Checking & Savings

Specially priced to keep more
money in your pocket.

Checking & Savings

Effective: October 1, 2014

At California Coast Credit Union, our competitive rates on checking accounts, savings accounts, certificates and IRA accounts will provide you with the steps you need to save for your future.

Checking
Savings
Certificates
IRAs
Youth
Tier Dividend Rate APY*
Ultra Performance Checking
Under $2,500 None Paid None Paid
$2,500 - $9,999.99 0.05% 0.05%
$10,000 - $24,999.99 0.05% 0.05%
$25,000 to $49,999.99 0.05% 0.05%
$50,000 - $89,999.99 0.05% 0.05%
$90,000 - $499,999.99 0.05% 0.05%
$500,000 or more 0.10% 0.10%
Dividend Checking
Under $50 None Paid None Paid
$50 or more 0.05% 0.05%
Free Checking with eStatements
All Tiers None Paid None Paid
Extra Value Checking
All Tiers None Paid None Paid
APY = Annual Percentage Yield. Dividend rates are variable and may change at any time. Fees may reduce earnings. Rates and terms are subject to change without notice.

PAYMENT OF DIVIDENDS:  The frequency and conditions upon which dividends are paid on all accounts are in accordance with the bylaws of this credit union, California law, and the Truth-in-Savings Act and Regulations. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. For all dividend-bearing accounts, dividends will be compounded monthly and will be credited monthly. The dividend period is monthly; for example, the beginning date of the first dividend period of the calendar year is January 1 and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date follows the ending date of a dividend period, and for the example is January 31. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will begin to accrue on the business day you deposit non-cash items (e.g., checks) to your account if deposited before the close of business.

EARLY WITHDRAWAL PENALTIES:  A penalty equal to 90 days’ dividends on the amount withdrawn for certificates with an original maturity of six months or less will be imposed. A penalty equal to 180 days’ dividends on the amount withdrawn for certificates with an original maturity greater than six months to 24 months will be imposed. A penalty equal to 365 days’ dividends on the amount withdrawn for certificates with an original maturity greater than 24 months will be imposed.

*Rates are variable and may change at any time after the account is opened.

**Estimated Annual Percentage Yield (APY) is calculated using $5,000. Actual APY earned may vary based upon actual account balances. Fees may reduce earnings.



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Tier Dividend Rate APY*
Money Market Index
Under $2,500 None Paid None Paid
$2,500 to $24,999.99 0.05% 0.05%
$25,000 or more 0.10% 0.10%
Money Market Savings
Under $2,500 None Paid None Paid
$2,500 - $9,999.99 0.05% 0.05%
$10,000 - $24,999.99 0.10% 0.10%
$25,000 - $49,999.99 0.10% 0.10%
$50,000 - $89,999.99 0.10% 0.10%
$90,000 - $499,999.99 0.10% 0.10%
$500,000 or more 0.10% 0.10%
Smart Savings
Under $1,000 None Paid None Paid
$1,000 or more 0.05% 0.05%
Primary Savings
Under $50 None Paid None Paid
$50 or more 0.05% 0.05%

Rates subject to change without notice.

*APY = Annual Percentage Yield. Fees may reduce dividends. Rates are variable and may change at any time.

Tier $1,000 -
$9,999.99
$10,000 - $49,999.99 $50,000 - $89,999.99 $90,000
or more
Dividend
Rate
APY* Dividend
Rate
APY* Dividend
Rate
APY* Dividend
Rate
APY*
Certificates
3 - 6 Month 0.05% 0.05% 0.15% 0.15% 0.20% 0.20% 0.20% 0.20%
6 - 12 Month 0.10% 0.10% 0.20% 0.20% 0.25% 0.25% 0.25% 0.25%
1 - 2 Year 0.15% 0.15% 0.25% 0.25% 0.30% 0.30% 0.30% 0.30%
2 - 3 Year 0.30% 0.30% 0.40% 0.40% 0.45% 0.45% 0.45% 0.45%
3 - 4 Year 0.45% 0.45% 0.55% 0.55% 0.60% 0.60% 0.60% 0.60%
4 - 5 Year 0.65% 0.65% 0.75% 0.75% 0.80% 0.80% 0.80% 0.80%
5 Year 0.90% 0.90% 1.00% 1.00% 1.05% 1.05% 1.05% 1.05%
18-Month Bump Rate Certificate 0.40% 0.40% 0.40% 0.40% 0.40% 0.40% 0.40% 0.40%
11-Month Liquid Certificate-Discontinued 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10%
*APY = Annual Percentage Yield. The Annual Percentage Yield assumes dividends will remain in the account until maturity. Penalty for early withdrawal applies to all certificates unless otherwise indicated. Dividend rates and APYs are accurate as of the Rates Effective date, above. Terms are subject to change without notice.

 

Minimum Balance Dividend Rate APY*
Holiday Saver Certificate
Under $50 None Paid None Paid
$50 or more 0.15% 0.15%
Summer Certificate
Under $50 None Paid None Paid
$50 or more 0.25% 0.25%
*APY = Annual Percentage Yield. The Annual Percentage Yield assumes dividends will remain in the account until maturity. Penalty for early withdrawal applies to all certificates unless otherwise indicated. Dividend rates and APYs are accurate as of the Rates Effective date, above. Terms are subject to change without notice.
Tier $1,000 -
$9,999.99
$10,000 - $49,999.99 $50,000 - $89,999.99 $90,000
or more
Dividend
Rate
APY* Dividend
Rate
APY* Dividend
Rate
APY* Dividend
Rate
APY*
Certificates
3 - 6 Month 0.05% 0.05% 0.15% 0.15% 0.20% 0.20% 0.20% 0.20%
6 - 12 Month 0.10% 0.10% 0.20% 0.20% 0.25% 0.25% 0.25% 0.25%
1 - 2 Year 0.15% 0.15% 0.25% 0.25% 0.30% 0.30% 0.30% 0.30%
2 - 3 Year 0.30% 0.30% 0.40% 0.40% 0.45% 0.45% 0.45% 0.45%
3 - 4 Year 0.45% 0.45% 0.55% 0.55% 0.60% 0.60% 0.60% 0.60%
4 - 5 Year 0.65% 0.65% 0.75% 0.75% 0.80% 0.80% 0.80% 0.80%
5 Year 0.90% 0.90% 1.00% 1.00% 1.05% 1.05% 1.05% 1.05%
18-Month Bump Rate Certificate 0.40% 0.40% 0.40% 0.40% 0.40% 0.40% 0.40% 0.40%

Rates subject to change without notice.

*APY = Annual Percentage Yield. Annual Percentage Yield assumes that dividends will remain in the account until maturity. Fees may reduce earnings. Penalty for early withdrawal.

 

 

Minimum Balance Dividend Rate APY*
IRA Savings
Under $50 None Paid None Paid
$50 or more 0.05% 0.05%

Rates subject to change without notice.

*APY = Annual Percentage Yield. Annual Percentage Yield assumes that dividends will remain in the account until maturity. Fees may reduce earnings. Penalty for early withdrawal.

Tier Dividend Rate APY*
Youth Certificate (Age 25 and under)**
 Under $100  None Paid  None Paid
$100 or more 0.20% 0.20%

Rates subject to change without notice

* APY = Annual Percentage Yield. Fees may reduce earnings.

** Youth Certificate: Terms 3 months to 2 years. Maximum balance of $3,000.00

Penalty for early withdrawal.

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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