Special Offers

We're offering some sweet specials!
Call (888) 546-CCCU to open an account
or 877-495-1600 for service.

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Tell me more! Contact Me
Tell me more! Contact Me

Special Offers

Current promotions: Credit Card | Auto | Checking | Take 5 Certificate | 15 Month Certificate | Home Loans

2.88% APR1 Credit Card Special

California Coast Credit Card

The California Coast Platinum Mastercard®—the perfect marriage of convenience and security!

Enjoy 2.88% Intro APR through 6/30/21 on purchases and balance transfers with no balance transfer fee and no annual fee! After that, the APR will be 11.88% - 17.88%.2

The Platinum Mastercard features—

NO balance transfer fee

NO annual fee

Credit limits up to $25,000

EMV chip technology

Plus ID Theft Protection4, Extended Warranty3,4, Price Protection3,4 and more!


Auto loans as low as 0.80% APR1

Limited-time offer! Save on your auto payment with low rates and up to 105% financing. Plus, make no payments for 90 days!5

Be sure to use the EMAIL SPECIAL promo code when you click the "Contact Me" button below.

  • Rates low as 0.80% APR for up to 29 months on used or new purchases when you use a Cal Coast Auto Buying Service.6

  • Or, take advantage of rates as low as 1.30% APR for up to 29 months on purchases, refinances or lease buyouts with Cal Coast rates.7 Additional rates available for terms up to 84 months.

  • Plus, make no payments for 90 days—this convenient option may not be available at your dealership.5    

Visit one of our convenient local branches, apply online, or call (888) 546-CCCU (toll-free) and we'll help you get the loan you need for the car you want.

Contact Me Apply Now View Rates

Calculate Payment Find a Branch

Free Checking that rewards you

New members—get $50 when you open an account!8

You’ll score $50 when you open a Free Checking account with eStatements, deposit $25 into your new savings account and add direct deposit or online banking.

Plus, get rewarded with Cal Coast Loyalty Rewards! Earn points for products and services—like your checking account—and redeem for rewards. That's the Cal Coast Advantage.

Open the checking account that's right for you when you apply with our quick app below.

What You’ll Love About Us

  • Free online banking & free bill pay.

  • Free ATM access—600 local & 30,000 nationwide

  • Free mobile banking, Apple Pay™, Samsung Pay, Google Pay, Send Money by PayPalTM, mobile bill pay and mobile deposit.9

  • More than 20 branches with convenient Saturday hours at select branches + 60 local shared branches.

  • Free financial counseling, free financial workshops and online financial education.

  • Plus, you’ll get an additional $25 when you add an auto loan and another $25 if you open a real estate loan.10

Visit one of our convenient local branches, open your account online, or call (888) 546-CCCU (toll-free) for details.

Use theREWARDpromo code when opening your account.

Open A Checking Account Now Send Yourself An Invite Find a Branch

Cal Coast Certificate Specials

Don’t settle for low returns, grow your savings faster with a Cal Coast certificate. We offer various terms, features and certificate specials to help meet your saving goals. Hurry, our certificate specials are only available for a limited time.

For more information about this limited time offer, call (888) 546-CCCU. To take advantage of these offers, apply online, call 877-495-1600, or visit one of our convenient branch locations.

Check if you can earn more at Cal Coast

Do you have a certificate at another financial institution? Our exceptionally high certificate rates can possibly help you earn more even if you ‘break’ your certificate before it’s maturity and have an early withdrawal penalty. Use our calculator to check if moving your money is the right move for you.

5.00% APY11
Take 5 Certificate13

Take a break from low-rate certificates and open a Cal Coast Take 5 certificate. Open an account today and relax knowing you are saving with a great rate.

  • Fixed 5.00% APY11 that maximizes your returns
  • 5-month term
  • Low minimum opening balance of $500
  • Available only for new memberships, new money required


Open an Account Find a Branch

1.00% APY11
15 Month Certificate14

Why settle for low rates at other places, move your money into our 15 Month Certificate special. This certificate features:

  • Add deposits at any time to accelerate your saving with no maximum deposit12
  • Minimum opening balance of $10,000
  • IRA certificates also available with minimum opening balance of $2,000
  • New money required


Open an Account Find a Branch

$0 Closing Costs Home Loans

Say goodbye to points, fees, and closing costs!

Who doesn't want a more affordable mortgage? Take advantage of one of our $0 closing costs15 home loans and save! The interest may even be tax-deductible (please consult your tax advisor).

Easygoing from the start.
  • Competitive interest rates with no points and no closing costs15
  • Our TermBuster loans offer 5, 7, or 10-year16 fixed-rate terms
No surprises along the way.
  • No negative amortization
  • No balloon payment
To take advantage of this exclusive offer, stop by one of our convenient branch locationsapply for a loan online, or call (888) 546-CCCU (toll-free) for details!

Apply Now View Rates Find a Branch

CREDIT CARD OFFER1APR = Annual Percentage Rate. 2Introductory rate valid through 6/30/21. 2.88% promotional offer cannot be used to pay off any CCCU loan or be made payable to cash, yourself, any joint owner(s) or co-maker(s).3For eligible items purchased with your California Coast Platinum Mastercard. 4Certain terms, conditions, and exclusions apply. Contact California Coast for complete coverage terms and conditions or call (800)-MC-ASSIST (800-622-7747) for assistance. All information is accurate as of 10/1/19 and is subject to change without notice. For current rates and terms, please click “More Info” above or contact California Coast Credit Union at (877) 495-1600. All loans subject to approval. Mastercard is a registered trademark of Mastercard International Incorporated.

AUTO LOAN OFFER: 1APR = Annual Percentage Rate. 590-day deferred payment option for qualified borrowers. Finance charges begin to accrue immediately and are repaid over the life of the loan. As a result, you may pay higher total finance charges on the loan than if payments began earlier. Restrictions apply. 6Subject to credit and collateral approval. Advertised rate is our lowest Annual Percentage Rate (APR) and is effective 5/1/20 and includes a discount for using a Cal Coast Auto Buying Service (TrueCar or New Cars Inc). Rates are subject to change without notice. Vehicle loan rates with the TrueCar/NCI discount currently as low as 0.80% APR, depending on credit history, loan term and vehicle model year. The as low as rate applies to vehicle model years 2014 and newer. A 29 month loan with a 0.80% fixed APR would have monthly payments of $34.83 per $1,000 borrowed. If you use TrueCar/NCI, the discounted offer is good for purchases; rate discount subject to change or end without notice. To qualify for discount offer, you must use a Cal Coast Auto Buying Service (TrueCar/NCI) and either fund the purchase of a vehicle from the certified dealer listed on your Price Quote Certificate (Cal Coast TrueCar Savings Certificate) or purchase a new vehicle from New Cars Inc. and finance your purchase with California Coast. The Cal Coast Auto Buying Service TrueCar Price Quote Certificate must be generated no more than 90 days prior to your loan being funded. Your loan will originally be set up without the rate discount. After your loan agreement is signed and your vehicle purchase is complete, we will confirm that you qualify for the discount and apply the discount to your loan as of the effective date of the loan. Discount for all year models is 0.50% off of the approved interest rate for loan terms up to 5 1/2 years (66 months). Discount for all year models is 0.25% off of the approved interest rate for loan terms of 67 months and longer. Discounted rates are available for purchases and not valid for refinances and lease buyouts. Please allow ten to fifteen business days after funding for processing your purchase and loan discount. 7Advertised rate is for 2015 and newer vehicles. Additional rates and terms available for model years 2014 and older. For 29 months at 1.30% APR estimated monthly payment is $35.05 per $1,000 borrowed. Limited time offer. Refinances of existing CCCU auto loans are not eligible. Maximum Term: Offer good for all 2019 or newer model years up to 5 1/2 years (66 months). Minimum loan amount restrictions apply to terms greater than 5 1/2 years (66 months). Rates and terms are based on credit history, subject to credit approval and subject to change. Other restrictions apply. Up to 105% financing available based on credit worthiness and model year. New: Manufacturer’s Suggested Retail Price (MSRP) and Used: Retail Kelley Blue Book (RKBB), plus, license fees and optional products such as Guaranteed Asset Protection (GAP) or Mechanical Repair Coverage (MRC) and is subject to approval. A valid driver license and current insurance information are required at time of financing.

NEW MEMBER CHECKING OFFER: 8Limited time offer. New member must be at least 13 or older to qualify. One-time $50 dividend bonus paid into new member savings account when qualifying accounts are opened. Qualifying accounts must be opened/funded within 60 days of membership date to be eligible for the $50 dividend bonus. Requires a $25 minimum savings or checking account balance. eStatements required. Rates are subject to change. Subject to tax reporting. Program subject to change without notice. Membership and credit subject to approval. Serving everyone who lives or works in San Diego or Riverside counties. A one-time $5 membership fee and savings account required. Cannot be combined with any other offer. Some restrictions apply. 9Check with your wireless provider to determine if data and text messaging rates apply. Maximum transfer amount is $1,000. There is no fee to use this service. The amount sent is withdrawn immediately from the selected account. To receive money, the recipient must have or open a new PayPal account. Recipients may be charged a fee based on their PayPal account type. Over 190 countries accept PayPal. PayPal currently charges for payments made to purchase goods or services or for personal payments to recipients outside the United States. If PayPal charges a fee for a payment, the payment recipient is responsible for paying the fee. Funds will be transferred immediately if the recipient has an email address or mobile number linked to a PayPal account. 10Up to $100 max will be deposited into the member’s account upon funding of the member’s loans within the first 90 days. Any party involved in connection with the real estate transaction, including Real Estate agents, are not eligible for this offer. Additional $25 dividend paid when auto loan funds. An additional $25 dividend paid when real estate loan funds.

CERTIFICATE OFFERS 11APY= Annual Percentage Yield. Early withdrawal penalty applies. Fees could reduce earnings. Rates are accurate as of 1/14/2020. Membership and credit subject to approval. Other restrictions may apply. Other rates and terms available. Serving anyone who lives or works in San Diego or Riverside counties. New members – a one-time $5 membership fee and savings account required. Cannot be combined with any other offer. Limited time offer, subject to change without notice. Visit a California Coast Credit Union branch or call (877) 495-1600 for details on rates, fees, and minimum balance requirements. Federally insured by NCUA.

12Additional new money deposits of $1,000 or more each are allowed at any time into certificate accounts only. No additional deposits are allowed for IRA certificate accounts.

TAKE 5 CERTIFICATE OFFER: 13Offer excludes individual retirement accounts. Take 5 Certificate is a new member offer and excludes existing membership. New money required. One Certificate per Consumer Account Member’s (Primary) Tax Identification Number or Business Account Member’s Tax Identification Number. The minimum deposit required to open the Celebration Certificate is $500. Certificate opening deposit balance cannot exceed $5,000. In addition the Consumer Account Member or Business Account Member must also have one of the following within 30 days of opening the Certificate and it must remain open for the term of the Certificate: (1) Consumer Account Members: An active (one transaction a month, including but not limited to, Direct Deposit, Preauthorized Payments, Checks, ATM, POS, Debit Card, and Bill Pay) checking account with eStatements OR an existing or open (funded) consumer loan (excluding share secured loans and Mastercard credit card account) OR a minimum balance of $5,000 in a money market account, regular certificate account, or IRA certificate account. (2) Business Account Members: An active (one transaction a month, including but not limited to, Direct Deposit, Preauthorized Payments, Checks, ATM, POS, Debit Card, and Bill Pay) checking account with eStatements OR a minimum balance of $5,000 in a money market account (fees charged, if applicable) OR a Business Line of Credit (LOC). You will have a 30-day grace period to meet the requirements. If the conditions are not met, the stated APY may be reduced to the APY in effect for a 3-Month Certificate Account for the remainder of the term. At maturity, the funds will be transferred into your Primary Savings Account or Business Savings Account, as applicable. Other restrictions may apply. Limited time offer, subject to change without notice.

15 MONTH CERTIFICATE OFFER: 14New money only. Offer includes Business Accounts and Individual Retirement Accounts. The minimum amount to open and earn the stated APY is $10,000 for a certificate account or $2,000 for an IRA certificate account. At maturity, your 15 Month Certificate account will automatically renew into a 12 Month Certificate account at the prevailing rate in effect at that time, and credited dividends become part of the principal. Contribution limits and other restrictions apply.

$0 CLOSING COSTS HOME LOANS OFFER: APR = Annual Percentage Rate. Loans are available for second homes and investment properties in CA at different rates and terms. Loans over 80% LTV require mortgage insurance. Rates and terms as of 2/6/2018 based on credit history, subject to credit approval, and subject to change without notice. Some restrictions apply. 15Closing costs paid by the lender include title search, escrow, credit report, tax service, and similar non-recurring fees. You are responsible for property taxes, insurance, homeowner association dues and for purchases, down payment, transfer taxes, and owner's title policy. 16Payment example: A $100,000 loan on a single-family, owner-occupied loan up to 70% LTV with a 5-year term at 2.875% APR has a monthly payment of $1,791.32, a 7-year term at 2.990% APR has a monthly payment of $1,320.88, and a 10-year term at 3.375% APR has a monthly payment of $983.01. This payment example does not include property insurance and taxes, and the payment will be higher than this disclosed payment.

Auto loans as low as 0.80% APR with Cal Coast Auto Buying Discount
Drive happy with Cal Coast's low auto loan rates!

Take advantage of our Cal Coast Auto Buying Discount for more savings!

Learn More

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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