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What's New at California Coast Credit Union

What's New

New developments, new community partnerships, new people helping people — there’s always a lot happening at Cal Coast.

New Scams Preying on Coronavirus Fears

March 12, 2020

At California Coast Credit Union the safety and security of your accounts is our top priority. We have recently been made aware of new scams preying on fears surrounding the spread of Coronavirus (COVID-19). We are sharing this information so you can take necessary precautions. 

What you need to know

Please be aware and vigilant about false information related to cures, vaccinations, product shortages, and updates about the COVID-19 virus. Do not click links on any unsolicited emails or other electronic communications related to this topic. According to the U.S. Food & Drug Administration (FDA), there are currently no approved products available that can treat the virus.

These scams involve fraudsters sending emails and using malicious tactics to get victims to click links that can compromise their online banking credentials, credit card numbers, or other Personal Identification Information (PII).

Be suspicious about any offer via email or telephone that appears too good to be true. Never provide Personal Identifying Information on an unsolicited phone call or click any links on an unsolicited email. Always determine if the person or business you are interacting with is legitimate. If in doubt, go directly to the company's website or call a reputable number to verify any information.

If you believe you have been a victim of this scam, please contact the credit union immediately. For more information regarding these ongoing scams, please refer to the FDA and the Federal Trade Commission (FTC).

Member Health and Safety Update

March 11, 2020

Dear Valued Member,  
  
At Cal Coast, the health, safety & well-being of our members, employees and the community is our top priority. We want to assure you that we have a robust business continuity program to ensure continued service to our members. 
  
There has been a lot of news lately about the Coronavirus (COVID-19) and the impact it is having around the world, nationally and even locally. Our hearts go out to those who have been affected. 
  
Please know that California Coast Credit Union continues to take every precaution to ensure our branch locations are as clean and safe as possible. We have increased cleanings at our branches and have provided additional supplies (anti-bacterial gel, sanitizing wipes, tissues, etc.) to ensure our employees and members work and do their banking in a healthy environment. We are monitoring the latest information provided by the CDC, as well as local health officials, and will update our procedures as needed based on their recommendations and guidelines.  
  
All of our branches are currently operating on their regular schedule. If you aren’t feeling well, and are experiencing flu like symptoms, we ask that you please avoid visiting a branch. Cal Coast provides many convenient options for our members to bank with us, including using mobile banking or online banking (calcoastcu.org) or calling us toll-free at (877) 495-1600. You also have access to hundreds of surcharge-free ATMs in San Diego and Riverside Counties and throughout our nationwide network of 30,000 ATMs. 
  
Cal Coast is committed to maintaining normalcy and a sense of calm, as we have been through both good and challenging times for the last ninety years while serving the San Diego area. For your information, we have attached a flyer with some tips for helping to protect yourself and your family during this time. 
  
If you have any questions, please give us a call at (877) 495-1600. From all of us at Cal Coast, please take good care of yourself and your family.  
  
Sincerely, 
  
Todd Lane 
President & CEO

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Sprint Credit Union Member Cash Rewards

Get rewarded for switching to Sprint - Members can receive a $200 cash reward for up to 2 lines $50 for every line registered in with Sprint's Credit Union Member Cash Rewards.1 Click the banner to register for your rewards today!2


1Available for eligible credit union members & member employees. $100/line, max 2 lines. See more. 2CCCU does not endorse or encourage the product or services. CCCU urges you to do your own due diligence on the vendor and its product/service.

Scholarships for College-Bound High School Seniors and Foster Students

Application deadline - April 30, 2020

Scholarships for College-Bound High School Seniors & Foster Students

The Cal Coast Cares Foundation1 is providing $100,000 in scholarships in 2020.

High School Senior Scholarships
  • The James L. McPheters California Coast Credit Union High School Scholarship program is offering $30,000 in scholarships to college-bound high school seniors residing in San Diego and/or Riverside counties.

Apply Here

Foster Student Scholarships
  • The Cal Coast Cares Foundation is providing $40,000 in foster student scholarships to college-bound high school seniors and current college students who are in or have been in the foster care program in San Diego and/or Riverside counties. 

Apply Here

All applications must be received or postmarked no later than April 30, 2020.


1The Cal Coast Cares Foundation was established by California Coast Credit Union as a non-profit organization to give back to our community and transform lives by providing scholarship opportunities for students pursuing accredited degrees. The Cal Coast Cares Foundation is a 501(c)(3) non-profit organization. Federal Tax ID Number 47-5249703. Donations are tax deductible as applicable by law. Consult your tax advisor for additional information. Please email calcoastcaresfoundation@calcoastcu.org with any questions.

Call for Board of Directors and Supervisory Committee Nominations

There are currently no open positions on the Board of Directors. Nominations are being accepted for the Supervisory Committee to fill one position for a three-year term. Position is voluntary. To apply, please submit your resume with supporting qualifications or a petition signed by a minimum of 500 voting members. Qualifications or a petition for nomination must be received no later than April 1, 2020 and should be mailed to:

Nominating Committee at California Coast Credit Union
P.O. Box 502080
San Diego, CA 92150-2080

Keep your account safe - beware of social engineering

Protect yourself and your money from fraudsters

It’s a high-tech spin on an old-fashioned scamming scheme, yet social engineering is a powerful technique that can be used to trick you into cooperating with scam artists and identity thieves. These fraudsters can use various scare tactics to trick you into providing your financial institution’s login credentials and card data or paying for unnecessary technical support services or other items.

This can be done through a phone call, where a scam artist pretends to represent a credit union, a fraud department, a software company like Microsoft, or a popular anti-virus company. They may spoof the caller ID so that it displays a legitimate phone number from a company, and then ask you to install an application and provide them with the code that gives them remote access to your computer. 

Text messaging is another method that scam artists will use to fool you. These attacks can occur as SMishing (SMS text phishing) and Vishing (Voice phishing). SMishing and Vishing occurrences usually involve a member receiving a text message or phone call that is asking about suspicious transactions. However, the real information the fraudster is looking for is your card number, CV2 code, PIN number, or other information that could compromise your account.

Below are a few red flags that can help you identify if the text you received might be a SMishing attempt. Be wary if you receive a text about a suspicious transaction that contains any of these:

  • Requests for card numbers, PIN numbers, CV2 codes or expiration dates.
  • References to merchants that are vague or nondescript. Legitimate transactions should contain detailed information.
  • Links to unknown websites
  • Hyperlinked phone numbers

A fraudster may also display a fake message on a website, or a pop-up message that won't go away. Messages like this, known as “scareware”, may indicate a virus or other malware. These messages are fake, and are designed to trick you into calling a phone number staffed with fake technical support.

When you engage with these fraudsters, they will offer fake solutions and ask for payment in the form of a one-time fee, subscription service, or gift card. 

Protect yourself from social engineering using these tips:

  • Be cautious when responding to unsolicited text messages and voice calls, even if they appear to be from the credit union.
  • If you have questions, always hang up and call back the credit union at a reliable, known phone number to inquire about the messages you might have received.
  • Never provide personal information in response to SMS messages or phone calls that are supposed to be from the credit union.
  • Be cautious when clicking links in text messages. Most legitimate card activity validation requests will require a simple “YES” or “NO” response, and will not include hyperlinks or a member’s personal information.
  • Do not provide your credit or debit card information to these fraudsters.
  • Do not give a gift card number or PIN on the back of a gift card to settle a demand for payment. Scammers will typically request popular gift cards such as Amazon, Google Play, iTunes, Steam, and MoneyPak, among others. You can visit the Federal Trade Commission’s site to learn more about gift card scams and how to report them.
  • Most companies do not send unsolicited email messages or make unsolicited phone calls to request personal or financial information, or to provide technical support to fix your computer.
  • Any customer identifying communication with most companies must be initiated by you.
  • If a notification appears with a phone number, don’t call the number.
  • Do not give remote access of your computer to a fraudster.
  • If you need technical support, you should initiate contact with a reputable company that you have researched first.
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Great branch and customer service at this location. I preferred sticking with this branch instead of joining Navy Fed or USAA after joining the military. I've never had a problem here.

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