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. 

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Certificates

Primary
18-Month Bump Rate
Rising Rate Certificate
Holiday Saver
Summer Certificate

Rising Rate Certificate

Rise up to higher returns.

Looking for a secure way to step up your savings? Our new Rising Rate Certificate can help—the Certificate guarantees automatic rate increases during the 30-month term.* This offer is only available for a limited time so open your Certificate today!

 

Increase your peace of mind
  • Guaranteed fixed rising rates
  • Low minimum deposit
  • Make additional deposits during the first 18 months of the term
  • Your funds are safe and secure

 

30-Month Term
APY
First 1 - 6 Months 0.40%
Next 7 - 12 Months 0.60%
Next 13 - 18 Months 0.90%
Next 19 - 24 Months 1.20%
Next 25 - 30 Months 1.50%
 

Blended APY = 0.92%

 

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Access your accounts anytime, anywhere, for FREE!

 

  • Free eStatements
  • Free Cal Coast Online
  • Free Mobile Banking**
  • Free CoastLine Telephone Banking

 

 

 

 

 

 

 

 

 

 

 

 

APY=Annual Percentage Yield.*The Rising Rate Certificate offers rising dividend rates to replace the original dividend rate during the term of the account. A minimum deposit of $1,000 is required to open and maintain the account. Maximum opening deposit is $100,000. Offer excludes business and individual retirement accounts. New money only. There is no limit on the number of Rising Rate Certificate Accounts opened per member. However, the maximum certificate account aggregate balance per member cannot exceed $100,000. You may make additional deposits into your Rising Rate Certificate account within 18 months from the certificate account open date. Certificate account principal balance cannot exceed $100,000 (in aggregate). Penalty for early withdrawal applies to all certificate types unless otherwise indicated. At maturity, the funds will be transferred into your Primary Savings account. The Certificate will not automatically renew and dividends will not be paid after the maturity date. Limited time offer. Blended Rate/APY over account term = 0.915%/0.920%. Blended APY is based on the assumption that the original principal and dividends will remain on deposit until maturity. 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 

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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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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 dividend rate of .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

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

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 1. 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

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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What's Your Cal Coast Advantage?

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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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