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

New money only. Not available for existing funds.

Tier Dividend Rate  APY1
$1,000 - $9,999.99 4.169% 4.250%
$10,000 - $49,999.99 4.169% 4.250%
$50,000 - $89,999.99 4.169% 4.250%
$90,000 or more 4.169% 4.250%

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 0.50% 0.50%
$10,000 - $49,999.99 0.60% 0.60%
$50,000 - $89,999.99 0.65% 0.65%
$90,000 or more 0.65% 0.65%

36 Month Certificate

Tier Dividend Rate APY1
$1,000 - $9,999.99 0.65% 0.65%
$10,000 - $49,999.99 0.75% 0.75%
$50,000 - $89,999.99 0.80% 0.80%
$90,000 or more 0.80% 0.80%

48 Month Certificate

Tier Dividend Rate APY1
$1,000 - $9,999.99 0.75% 0.75%
$10,000 - $49,999.99 2.47% 2.50%
$50,000 - $89,999.99 2.47% 2.50%
$90,000 or more 2.47% 2.50%

60 Month Certificate

Tier Dividend Rate APY1
$1,000 - $9,999.99 1.00% 1.00%
$10,000 - $49,999.99 2.62% 2.65%
$50,000 - $89,999.99 2.62% 2.65%
$90,000 or more 2.62% 2.65%

Special Certificate Rates

8 Month Liquid

Keep your money within reach.

Tier Dividend Rate APY1
$1,000 or more 3.93% 4.00%

15 Month Certificate

Reaching your savings goals just got faster.

Tier Dividend Rate APY1
$20,000 or more 4.89% 5.00%

18 Month Bump Rate

Bump your rate when rates rise.

Tier Dividend Rate APY1
$1,000 - $9,999.99 0.40% 0.40%
$10,000 - $49,999.99 0.50% 0.50%
$50,000 - $89,999.99 0.55% 0.55%
$90,000 or more 0.55% 0.55%

Take 5 Certificate

Exceptionally high rate with a low minimum deposit.

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

Youth Certificates

You can never start saving too early, start saving today with a Cal Coast Youth Certificate. 

Tier Dividend Rate APY1
$100 or more 0.20% 0.20%

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 03/19/2024. 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.

Don't be a stranger, we're your neighbor

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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