Certificate Rates

Whether you're looking for a liquid or long-term certificate, you can take advantage of Cal Coast's competitive rates that help you invest without the risk.

Primary Certificate Rates 

3 Month Certificate

Tier Dividend Rate  APY1
$1,000 - $9,999.99 0.10% 0.10%
$10,000 - $49,999.99 0.20% 0.20%
$50,000 - $89,999.99 0.25% 0.25%
$90,000 or more 0.25% 0.25%

6 Month Certificate

Tier Dividend Rate APY1
$1,000 - $9,999.99 0.20% 0.20%
$10,000 - $49,999.99 0.30% 0.30%
$50,000 - $89,999.99 0.35% 0.35%
$90,000 or more 0.35% 0.35%

12 Month Certificate

Tier Dividend Rate APY1
$1,000 - $9,999.99 0.30% 0.30%
$10,000 - $49,999.99 0.40% 0.40%
$50,000 - $89,999.99 0.45% 0.45%
$90,000 or more 0.45% 0.45%

24 Month Certificate

Tier Dividend Rate APY1
$1,000 - $9,999.99 0.60% 0.60%
$10,000 - $49,999.99 0.70% 0.70%
$50,000 - $89,999.99 0.75% 0.75%
$90,000 or more 0.75% 0.75%

36 Month Certificate

Tier Dividend Rate APY1
$1,000 - $9,999.99 0.80% 0.80%
$10,000 - $49,999.99 0.90% 0.90%
$50,000 - $89,999.99 0.95% 0.95%
$90,000 or more 0.95% 0.95%

48 Month Certificate

Tier Dividend Rate APY1
$1,000 - $9,999.99 0.90% 0.90%
$10,000 - $49,999.99 1.00% 1.00%
$50,000 - $89,999.99 1.05% 1.05%
$90,000 or more 1.05% 1.05%

60 Month Certificate

Tier Dividend Rate APY1
$1,000 - $9,999.99 1.09% 1.10%
$10,000 - $49,999.99 1.19% 1.20%
$50,000 - $89,999.99 1.24% 1.25%
$90,000 or more 1.24% 1.25%

Special Certificate Rates

8 Month Liquid

Build your savings with our short-term certificate with easy access to your funds!

Tier Dividend Rate APY1
$1,000 or more 0.50% 0.50%

18 Month Bump Rate

Bump your rate when rates rise.

Tier Dividend Rate APY1
$1,000 - $9,999.99 0.50% 0.45%
$10,000 - $49,999.99 0.55% 0.55%
$50,000 - $89,999.99 0.60% 0.60%
$90,000 or more 0.60% 0.60%

Take 5 Certificate

Exceptionally high rate with a low minimum deposit.

Tier Dividend Rate APY1
$500 - $5,000 5.00% 5.00%

Seasonal Certificates

Holiday Saver Certificate

Open a certificate with as little as $50, plus an additional $50 automatic monthly transfer from another Cal Coast share account for uncomplicated holiday savings. 

Tier Dividend Rate APY
$49.99 and Under None Paid None Paid
$50 or more 0.50% 0.50%

Summer Certificate

Open a certificate with as little as $50, plus an additional $50 automatic monthly transfer from another Cal Coast share account to save for you summer expenses.

Tier Dividend Rate APY1
$49.99 and Under None Paid None Paid
$50 or More 0.50% 0.50%

1APY = Annual Percentage Yield. Dividend rates and APYs are accurate as of 11/25/2020. The Annual Percentage Yield assumes dividends will remain in the account until maturity. Penalty for early withdrawal applies to all certificates unless otherwise indicated. Terms are subject to change without notice.

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Have a question about your account, applying for a loan or perhaps you're ready to talk refinancing? Whatever your question or need, our Member Service Center is always happily available to walk you through every step of the process with your best interest at heart. 

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