Credit union · NCUA insured
California Coast Credit Union
A $3.5B credit union, the 145th largest of 4,329, headquartered in San Diego, CA, with 212,497 members and 26 branches in California. Best rates: CDs 3.50% and savings 0.05% APY.
California Coast Credit Union Carrot Score
78
Carrot Score
Higher than 47% of U.S. banks and credit unions
#18 of 35 in San Diego, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About California Coast Credit Union
Founded by educators in 1929, California Coast Credit Union serves members who live or work across seven Southern California counties.
The credit union operates 26 branch locations and provides financial wellness programs to strengthen the community.
- Headquarters
- 9201 Spectrum Center Blvd, San Diego, CA 92123-1407
- NCUA charter
- 66584
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties.
Cost to join
- A one-time $5 membership fee and a savings account are required for membership.
Branches
26 branches in California
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California
26 branches
San Diego area · 22
- Chula Vista386 E H St Ste 213, Chula Vista, CA 91910Directions
- Otay Ranch1741 Eastlake Pkwy Ste 104, Chula Vista, CA 91915Directions
- El Cajon898 Jackman St, El Cajon, CA 92020Directions
- Encinitas429 Santa Fe Dr, Encinitas, CA 92024Directions
- Escondido962 W Valley Pkwy, Escondido, CA 92025Directions
- La Mesa8002 La Mesa Blvd, La Mesa, CA 91942Directions
- National City1704 Sweetwater Rd, National City, CA 91950Directions
- Oceanside3485 Marron Rd, Oceanside, CA 92056Directions
- Poway13616 Poway Rd Ste 200, Poway, CA 92064Directions
- Clairemont4265 Genesee Ave, San Diego, CA 92117Directions
- East Village777 J St, San Diego, CA 92101Directions
- Hillcrest1060 University Ave Ste A101, San Diego, CA 92103Directions
- Logan Heights2040 Imperial Ave Ste 3, San Diego, CA 92102Directions
- Mira Mesa8220 Mira Mesa Blvd Ste D, San Diego, CA 92126Directions
- SDSU CampusSDSU Conrad Prebys Aztec Student Union Ste 140, 5500 Campanile Dr, San Diego, CA 92182Directions
- Scripps Ranch9825 Mira Mesa Blvd, San Diego, CA 92131Directions
- Solar Turbines2200 Pacific Hwy, San Diego, CA 92101Directions
- Spectrum Innovation Branch9201 Spectrum Branch Suite 100, San Diego, CA 92123Directions
- University City3202 Governor Dr Ste 102, San Diego, CA 92122Directions
- University Heights4470 Park Blvd, San Diego, CA 92116Directions
- San Marcos140 Knoll Rd, San Marcos, CA 92069Directions
- Santee9808 Mission Gorge Rd Ste A, Santee, CA 92071Directions
Riverside area · 4
- Menifee30015 Haun Rd, Menifee, CA 92584Directions
- Murrieta Hot Springs40230 Murrieta Hot Springs Rd, Murrieta, CA 92563Directions
- Murrieta Madison24716 Madison Ave, Murrieta, CA 92562Directions
- Temecula32170 Temecula Pkwy Bldg C, Temecula, CA 92592Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.91% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.26% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.18% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $78 | $88 | — |
- CapitalNet worth ratio13.91%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.26%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.18%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$78Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of California Coast Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.