There’s always something new and exciting happening at Cal Coast.

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.

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.

Help Pack the Pantry for local college students facing hunger

November 4 - 18

Did you know that 50% of local college students face food insecurities?  As a result, these students have a much higher probability of missing classes, dropping classes, and ultimately dropping out of college all together.

To help students thrive, Cal Coast is partnering with the San Diego Food Bank to fill all of the food pantries at local community colleges to ensure every student has access to nutrition.

If you want to help Pack the Pantry, just drop off non-perishable food items at any Cal Coast branch from November 4-18 or visit the link below to donate

Donate Now.

Be Aware of Phone Scams this Holiday Season

August 29, 2019

At California Coast Credit Union, the safety and security of your accounts are always our top priority. We have recently been made aware of a new phone scam impacting San Diego area residents. We are sharing this information to our members so you can take necessary precautions.

What you need to know

This latest scam involves fraudsters pretending to be calling from a customer's financial institution and stating there has been a breach to their Mobile Banking. They are then asked to provide their Mobile Banking user name and password to gain access to their account, as well as their email user name and password.

Please be aware that California Coast Credit Union will never ask for your mobile user name, password, or mobile authentication code over the phone. 

If you believe you have been a target of this scam, please contact the credit union immediately.

Sprint Credit Union Member Cash Rewards

Earn up to $200 cash when you switch to Sprint!

Sprint Credit Union Member Cash Rewards

Switch to Sprint and rake in $200 cash with your 1st and 2nd lines plus – lines 3, 4 and 5 are Free.* Click the banner to register for your rewards today!1

*Cash Reward: Via deposit. $100 per line, max 2 lines. Req. qualifying plan and registration within 30 days of activation. Click on the banner for the full disclosure. 1CCCU 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.

90th Anniversary Celebration

Established in 1929, California Coast is celebrating 90 years of member service and commitment to our community! Join us as we celebrate with special promotions and events throughout the year, including a "Day of Service" volunteer opportunity for the entire community! For additional information on our upcoming events, visit the link below.

Learn More

Social Security Administration Scam reported by the Federal Trade Commission (FTC)

The FTC is seeing increased reports on phone scams with fraudsters posing as agents from the Social Security office. Be sure to take the appropriate actions to protect yourself from this scam as well as the others out in the marketplace. The FTC has recommended the following:

  • Do not trust caller ID. Scam calls may show up on caller ID as the Social Security Administration and look like the agency’s real number.
  • Don’t give the caller your Social Security number or other personal information. If you already did, visit to find out what steps you can take to protect your credit and your identity.
  • Check with the real Social Security Administration. The SSA will not contact you out of the blue. But you can call them directly at 1-800-772-1213 to find out if SSA is really trying to reach you and why.
  • Talk about it. People recognize the IRS scam, but many are getting caught off guard by these new imposters. You can help by telling people that the SSA scam is a new version of the IRS scam.

These scammers will attempt to obtain funds from victims via wire transfer, gift cards or deposits to Bitcoin ATMs. The Social Security office will never ask to be paid by these methods.

In a world of ever-changing technology, transaction methods, and ways of communication, it is more essential than ever to protect yourself from fraud and scams. Take a look at the checklist below containing other common situations taken from the FBI that might mean you are at risk. If any of the following scenarios seem familiar, please contact a California Coast Credit Union representative immediately.

Protecting yourself from fraud:
  • Have you responded to any emails asking for you to provide information, confirm, or update your account?
  • Are you the “winner” of a lottery that you did not enter?
  • Is someone instructing you to wire or send money to a large city or different country?
  • Have you been asked to pay in order to receive a deposit from another country?
  • Are you getting paid for facilitating money transfers with your account?
Protecting yourself from check scams:
  • Are you receiving a check for an online purchase?
  • Is the amount of the check for more than the price the item was sold for?
  • Will the check be shipped to you through an overnight shipping service?
  • Can you verify the identity of the person sending the check, or have you only met over email?
  • Is the check drawn on a different account or type of account than what the buyer would be expected to use?

If you have answered “yes” to any of the questions above, and feel you are at risk, please call us at (855) 631-2496 or toll free at (877) 495-1600.

Automated Fraud Text Alerts

Real-time text alerts are an added layer of protection that can notify you of suspicious activity on your account and allow you to instantly respond and verify transactions. Enroll your Cal Coast credit and debit cards now by signing into banking and clicking on the alerts tab.

Learn more

Take home buying to the next level with Cal Coast Home Rewards

Buying a home can be stressful, but we're here to make the experience easy and rewarding for our members. 

Introducing Cal Coast Home Rewards 

Our new Cal Coast Home Rewards program is an exclusive credit union member benefit, and it features tons of perks that will help you get a leg up as a home buyer (or seller)! Check out some of the benefits you can take advantage of when you enroll:

Access to the most up to date home listings in Southern California

Get personalized, timely alerts when new home listings become available 

Guidance from a dedicated home buying expert 

Earn up to a 25% rebate when you buy or sell a home with the help of our Cal Coast Home Rewards agent

Learn More Enroll

This Winter, Enjoy Peace of Mind with Travel Notifications

Winter is here. Enjoy peace of mind on your trip with Travel Notifications!

Available in both Online Banking and the Cal Coast Mobile app, Travel Notifications lets you easily set up a travel plan in advance to ensure uninterrupted use of your card while on the road.

To schedule a travel notification in Cal Coast Mobile:

1.       Tap “Card Control” from the menu.

2.       At the top of the screen, tap the “Scheduled Travels” tab.

3.       Tap the + button to add a new travel notification.

4.       Provide your dates of travel and the destination, then tap “Submit”.

You’re all set! Click here to find out more about setting up travel notifications in Cal Coast Online.

Happy trails!

Featured Yelp

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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We always have your best interest in mind. It shows in everything we do.

Our members are our most valuable asset. That’s why everything we do — from the accounts, loans and rates we offer, to the personalized caring attention we provide — is designed to help you to achieve your goals.

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