Certificates

They’re like investing without all the risk.

Flexible. Worry-free. What could be better than a Cal Coast certificate? Choose from a maturity date between three months to five years, and get competitive rates that help you invest without the risk. 

Certificates

Primary
8 Month Liquid
15 Month
18 Month Bump Rate
Holiday Saver
Summer

15 Month Certificate

Get a competitive fixed rate for a short-term with our limited time 15 Month Certificate Special.

Saving with peace of mind
  • 0.75% APY*
  • Make additional deposits
  • Funds federally insured up to $250,000
Free ways to manage your money.
  • Free eStatements
  • Free Cal Coast Online
  • Free Mobile Banking**
  • Free CoastLine Telephone Banking

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*APY = Annual Percentage Yield. Rates are accurate as of 5/17/16. Early withdrawal penalty applies. Fees could reduce earnings. The minimum deposit required to open the 15-Month Certificate is $1,000. Offer excludes individual retirement accounts. At maturity, your 15-Month Liquid 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. Visit calcoastcu.org or visit one of our branch locations for details on rates, fees, and minimum balance requirements. Rates and terms are subject to change without notice. Federally insured by NCUA. **Check with your wireless provider to determine if data and text messages rates apply.

Certificate

With you for the short or long-term.

Maybe you’d like to save for just three months. Or you’d like something a bit longer. Like two, three, four or five years. A Certificate has a pretty attractive fixed rate, so why not go for it? It gives you the option with some cool features, and all it takes is a minimum opening balance of $1,000 to get started.

Pays off quickly.
  • Choice of terms, from 3 months to 5 years
  • Competitive, fixed rate
Free ways to manage your money.
  • Free eStatements
  • Free Cal Coast Online
  • Free Mobile Banking*
  • Free CoastLine Telephone Banking 

Open an Account Now!View Savings Rates

 

Penalty for early withdrawal applies to all certificate types unless otherwise indicated. Rates and terms are subject to change without notice. *Check with your wireless provider to determine if data and text messages rates apply.

 

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8 Month Liquid Certificate

Keeps your funds liquid.

Want to build savings with an easy, short-term commitment and access to your funds? Then enjoy the liquid benefits of our 8 Month Liquid Certificate.

Savings with flexibility
  • One penalty-free withdrawal
  • Make additional deposits
  • Fixed 0.25% APY*
  • Funds federally insured up to $250,000
Free ways to manage your money.
  • Free eStatements
  • Free Cal Coast Online
  • Free Mobile Banking**
  • Free CoastLine Telephone Banking

 

Open an Account Now! View Savings Rates

 

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*APY = Annual Percentage Yield. Rates are accurate as of 10/6/15. Early withdrawal penalty applies. Fees could reduce earnings. The minimum deposit required to open the 8-Month Liquid Certificate is $1,000. The minimum balance to earn the 0.25% APY is $1,000. Offer excludes individual retirement accounts. New money only. Additional deposits of $1,000 or more each may be made at any time into your 8-Month Liquid Certificate account. Certificate account balance cannot exceed $100,000. After the first seven days, you may make one penalty-free withdrawal of $1,000 or more during the term as long as that withdrawal either leaves a balance of $1,000 or more, or closes the certificate. At maturity, your 8-Month Liquid Certificate account will automatically renew into an 8-Month Certificate account at the prevailing rate in effect at that time, and credited dividends become part of the principal. Visit calcoastcu.org or visit one of our branch locations for details on rates, fees, and minimum balance requirements. Rates and terms are subject to change without notice. Federally insured by NCUA. **Check with your wireless provider to determine if data and text messages rates apply.

18 Month Bump Rate Certificate

They don’t call it bump for nothing!

If the rate rises, you can bump up to the higher rate once during the term.* Plus, you get a convenient feature or two.

Count on earnings.
  • Make additional deposits during the term
  • Fixed 0.40% APY*
  • Your funds are safe and secure
Keep track — quickly and easily.
  • Free eStatements
  • Free Cal Coast Online
  • Free Mobile Banking**
  • Free CoastLine Telephone Banking

Open an Account Now! View Savings Rates

 

 

*APY = Annual Percentage Yield. Rates are accurate as of 8/10/15. Early withdrawal penalty applies. Fees could reduce earnings. The minimum deposit required to open the 18-Month Bump Certificate is $1,000. The minimum balance to earn the 0.40% APY is $1,000. One time bump rate option available at the request of the certificate owner. The new rate from the date of the increase will remain in effect until the certificate maturity date. Additional deposits are allowed at any time during the term. Other rates and terms available. Visit calcoastcu.org or visit one of our branch locations for details on rates, fees, and minimum balance requirements. Rates and terms are subject to change without notice. Federally insured by NCUA. **Check with your wireless provider to determine if data and text messages rates apply.

 

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Holiday Saver Certificate

It’s going to be a very happy holiday this year!

There’s a lot to celebrate with a Holiday Saver Certificate! Open a certificate with as little as $50*, plus an additional $50 automatic monthly transfer from another Cal Coast share account for uncomplicated holiday savings! Open anytime between November 1 and July 31. Additional deposits are allowed at any time.

Happier holiday!
  • Certificate matures on October 31
  • Great fixed rate
  • Term depends on when certificate is opened
Convenience all year long.
  • Free eStatements
  • Free Cal Coast Online
  • Free Mobile Banking**
  • Free CoastLine Telephone Banking

Open an Account Now! View Savings Rates

Penalty for early withdrawal applies to all certificate types unless otherwise indicated. Rates and terms are subject to change without notice.

*A minimum $50 automatic deposit each month is required from another California Coast share account. Additional deposits are allowed at any time. If the balance falls below $50, or the automatic deposits are terminated, the certificate will be closed and the funds will be transferred to your savings account.*Check with your wireless provider to determine if data and text messages rates apply.

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Summer Certificate

How to make your savings sizzle!

Just open a Summer Certificate anytime between July 1 and March 31. All it takes is $50, plus an additional $50 automatic monthly transfer from another Cal Coast share account.* Additional deposits are allowed at any time.

Plenty of time to earn lots of interest!
  • Certificate matures on June 30 each year
  • Competitive fixed rate
  • Term depends on when certificate is opened
Hot ways to manage your savings.
  • Free eStatements
  • Free Cal Coast Online
  • Free Mobile Banking**
  • Free CoastLine Telephone Banking

Open an Account Now! View Savings Rates

Penalty for early withdrawal applies to all certificate types unless otherwise indicated. Rates and terms are subject to change without notice.

*A minimum $50 automatic deposit each month is required from another California Coast share account. Additional deposits are allowed at any time. If the balance falls below $50, or the automatic deposits are terminated, the certificate will be closed and the funds will be transferred to your savings account. *Check with your wireless provider to determine if data and text messages rates apply.

 

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Useful Tools & Services

We care about helping you save for whatever you need or want.

Savings calculators

Certificate rates

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Simply the Best

Great customer service! Everyone is always so friendly and helpful here. I left another bank because of their fees and horrible customer service. I am so happy I made the switch.

2014

Jacquelyn M

valued member

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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