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Coast Into Better Banking
At Cal Coast, we believe banking should do more than manage your money—it should support your goals, reward your loyalty, and simplify your life.
Join Cal Coast
Whether you're looking for early access to your paycheck, smart solutions to support your goals, or a financial partner with a legacy of trust, we’re here to help you thrive. Our commitment to stability, personalized support, and member-first benefits makes banking with Cal Coast a smarter, more rewarding experience.
Savings on your terms. Pick the path that works for you.
- Earn a fixed 4.00% APY1 with a short 7- or 11-Month term
- Start with $10,000 minimum opening balance, and no maximum (NEW MONEY ONLY)
- Add $1,000 increments anytime to boost your balance
- Rest easy knowing your funds are insured up to at least $250,000 by NCUA
If you have a Cal Coast checking account with Direct Deposit, then you may have noticed that your last paycheck was deposited a couple days early... that's right - it wasn't a fluke!
Open a checking account today or enroll in Direct Deposit to take advantage and get paid earlier.
- Refer your friends to Cal Coast and earn up to $5003
- Free financial guidance
- Honest advice
- Simple tools to pay bills, track spending, and save
Fee-Free Banking Everywhere You Go
Open a Free Checking with eStatements and get the freedom of no monthly fee and a secure debit card.
- 30,000 ATMs Nationwide
- Unlimited Check Writing
- Convenient Digital Banking
- CoastLine Telephone Banking
We are proud to offer our members free one-on-one coaching with a Certified Financial Coach. Learn more about how to budget, understand how to improve your credit score, and more.
- APY= Annual Percentage Yield. Rates are accurate as of 03/31/2026. NEW FUNDS REQUIRED. The minimum balance required to open and earn stated APY is $10,000. The Annual Percentage Yield assumes dividends will remain in the account until maturity. Early withdrawal penalty applies. Fees could reduce earnings. Offer excludes individual retirement accounts. Additional deposits of $1,000 or more in new money may be made at any time during the term. Term‑specific requirements: 7‑Month Certificate: At maturity, the 7‑Month Certificate automatically renews into a standard 6‑Month Certificate at the prevailing rate; credited dividends become part of principal. 11‑Month Certificate: At maturity, the 11‑Month Certificate automatically renews into a standard 12‑Month Certificate at the prevailing rate; credited dividends become part of principal. Limited-time offer. Cannot be combined with any other offer. Subject to change without notice. Other restrictions may apply.
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Direct Deposit may be credited up to two business days prior to the designated payment date if provided by the payer. Actual deposit date is not guaranteed.
- Referring Members: To qualify, the referring member must be an existing active California Coast Credit Union member in good standing. The referred member must be a new member to California Coast Credit Union, open a separate membership account, pay a one-time membership fee of $5, open a savings account and make a minimum deposit of $50 into a checking or savings account (balance must remain at $50 until incentive has been paid). An additional $25 dividend bonus is paid to the referring member when the referred member funds an auto loan within 30 days of account opening. Referral dividend bonuses are paid to the savings account within 3 business days of the criteria being met. Referring members can receive a maximum of $200 referral bonus, per new member referred maximum and a total of $500 in referral dividend bonuses per calendar year.
Referred Members: To qualify, the referred member must be a first-time new member, meet membership eligibility and account opening criteria, be at least 13 years old, and open the required account types: savings account, checking account with eStatements, plus deposit and maintain at least a $50 balance in either account, and one of the following: enroll in Online Banking, use Bill Pay, or set-up Direct Deposit. An additional $25 dividend bonus is paid for an auto loan that is funded within 30 days of account opening and a $75 dividend bonus is paid for a real estate loan that is funded within 120 days (excludes credit cards and lines of credit). Any party involved in connection with the real estate transaction, including Real Estate agents, are not eligible for this offer. Referral dividend bonuses are paid to the savings account within 3 business days of the criteria being met, including maintaining a $50 balance.
Additional Promotion Terms: Referring members must be 18 years old to participate in the Coast into Cash referral program. Referred members who are 13 to 15 years old require a parent or guardian to be joint on the account. Referrals are subject to verification. All related individuals may no longer qualify for this promotion and may not receive all or a portion of the bonus if, in California Coast Credit Union’s sole discretion, they are linked to an unqualified referral or misuse of the program. Dividend bonus payments subject to tax. Cannot be combined with any other offer. California Coast Credit Union branch employees not eligible. Limited time offer. Terms and conditions subject to change without notice and promotion may be discontinued. Learn more at calcoastcu.org/refer.
Serving anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties.