Credit union · NCUA insured
California Coast Credit Union CD Rates
California Coast Credit Union’s best CD rate is 3.50% APY on an 11-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How California Coast Credit Union’s CD rates compare
Compared with banks and credit unions near San Diego, CA, where California Coast Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
California Coast Credit Union
3.50%APY
- Term
- 11 months
- Minimum
- $10,000
- Earns on $10,000
- $320
Pick Your Term Certificate
Top rate
California Credit Union
4.50%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $488
2nd-highest rate
San Diego Firefighters Federal Credit Union
4.45%APY
- Term
- 12 months
- Minimum
- $2,000
- Earns on $10,000
- $445
California Coast Credit Union CD score
67
CD score
Higher than 19% of U.S. banks and credit unions
- 3–8 months3–8 mo3.00%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo0.60%
- 31–60 months31–60 mo2.65%
- QualifiedQualified3.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where California Coast Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Take 5 Certificate
5.00%APY · 1 term
Available to new members only. One certificate per Social Security Number. Requires new money only. Opening deposit between $500 and $5,000. Within 30 days of opening, member must maintain an active checking account with eStatements (one transaction a month) OR one of: new money market ($5,000 min), new regular certificate ($5,000 min), new IRA certificate ($5,000 min), or new funded consumer loan (excluding credit cards and share/cert secured loans); if conditions are not met, rate may be reduced to standard 3-Month Certificate rate for remainder of term. No additional deposits or withdrawals during term. Automatically transfers to primary savings upon maturity. Excludes IRAs. $5 one-time membership fee and savings account required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsNew members only, 1 per SSN. New money only. Must maintain active checking with eStatements or $5,000 in MM/CD/IRA CD or funded consumer loan within 30-day grace period, or rate reduces to standard 3-Month Certificate rate. No additional deposits or withdrawals. Excludes IRAs. Automatically transfers to savings at maturity | 5.00% | — |
Pick Your Term Certificate
3.50%APY · 2 terms
Limited-time promotional certificate. Minimum opening and earning balance $10,000. Excludes IRAs. No additional deposits allowed. At maturity, automatically renews into a standard 12-Month Certificate at prevailing rate; credited dividends become part of principal. $5 one-time membership fee and savings account required for membership.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 11 monthsLimited-time promotional offer. Excludes IRAs. Automatically rolls into a 12-month certificate at maturity | 3.50% | $320 |
| 15 monthsLimited-time promotional offer. Excludes IRAs. Automatically rolls into a 12-month certificate at maturity | 3.50% | $439 |
8 Month Liquid Certificate
3.00%APY · 1 term
One penalty-free withdrawal of $1,000 or more allowed after the first 7 days, as long as the withdrawal leaves a balance of $1,000 or more or closes the certificate. Additional deposits of $1,000 or more may be made at any time. Excludes IRAs and requires new money only. Automatically renews at maturity into an 8-Month Certificate at prevailing rate. $5 one-time membership fee and savings account required for membership.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 8 monthsRequires new money only. Excludes IRAs. Additional deposits of $1,000 or more allowed at any time. One penalty-free withdrawal after first 7 days leaving $1,000 balance or closing account | 3.00% | $199 |
Primary Certificate
Up to 2.65%APY · 7 terms
Terms from 3 months to 5 years. Compounded and credited monthly. Daily balance method. Early withdrawal penalties apply. $5 one-time membership fee and savings account required for membership.
| Term | APY · $1,000 – $10,000 | APY · $10,000 – $50,000 | APY · $50,000 – $90,000 | APY · $90,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 3 months | 0.10% | 0.20% | 0.25% | 0.25% | 0.20%0.10% $1k–$10k0.25% $50k–$90k0.25% from $90k | $5 |
| 6 months | 0.20% | 0.30% | 0.35% | 0.35% | 0.30%0.20% $1k–$10k0.35% $50k–$90k0.35% from $90k | $15 |
| 12 months | 0.30% | 0.40% | 0.45% | 0.45% | 0.40%0.30% $1k–$10k0.45% $50k–$90k0.45% from $90k | $40 |
| 24 months | 0.50% | 0.60% | 0.65% | 0.65% | 0.60%0.50% $1k–$10k0.65% $50k–$90k0.65% from $90k | $120 |
| 36 months | 0.65% | 0.75% | 0.80% | 0.80% | 0.75%0.65% $1k–$10k0.80% $50k–$90k0.80% from $90k | $227 |
| 48 months | 0.75% | 2.50% | 2.50% | 2.50% | 2.50%0.75% $1k–$10k2.50% $50k–$90k2.50% from $90k | $1,038 |
| 60 months | 1.00% | 2.65% | 2.65% | 2.65% | 2.65%1.00% $1k–$10k2.65% $50k–$90k2.65% from $90k | $1,397 |
18 Month Bump Rate Certificate
0.50%APY · 1 term
Allows one rate bump during the term at owner's request if rates rise; new rate remains in effect until maturity. Additional deposits allowed at any time during the term. Minimum deposit and balance to earn dividends is $1,000. $5 one-time membership fee and savings account required for membership.
| Term | APY · $1,000 – $10,000 | APY · $10,000 – $50,000 | APY · $50,000 – $90,000 | APY · $90,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 18 monthsAllows one rate bump during term. Additional deposits allowed anytime | 0.40% | 0.50% | 0.55% | 0.55% | 0.50%0.40% $1k–$10k0.55% $50k–$90k0.55% from $90k | $75 |
Summer Certificate
0.50%APY
Open anytime between July 1st through March 31st. Matures on June 30th. Term depends on when certificate is opened. Minimum opening balance $50, with a required $50 automatic monthly deposit from another Cal Coast share account. Additional deposits allowed at any time. If balance falls below $50 or automatic deposits terminate, certificate closes and funds transfer to savings account. $5 one-time membership fee and savings account required for membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upRequires $50 minimum opening deposit and $50 automatic monthly transfer from another Cal Coast share account. Open between July 1 and March 31; matures June 30. Additional deposits allowed anytime.$50 and up | 0.50% | $50 | Requires $50 minimum opening deposit and $50 automatic monthly transfer from another Cal Coast share account. Open between July 1 and March 31; matures June 30. Additional deposits allowed anytime. |
Special-purpose accounts
IRA Certificate
Up to 2.65%APY · 7 terms
Available as Traditional, Roth, Spousal, Coverdell, and SEP certificates. Terms available from 3 months to 5 years. Minimum single deposit as low as $1,000. Compounded and credited monthly. Daily balance method. Early withdrawal penalties apply. $5 one-time membership fee and savings account required for membership.
| Term | APY · $1,000 – $10,000 | APY · $10,000 – $50,000 | APY · $50,000 – $90,000 | APY · $90,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 3 months | 0.10% | 0.20% | 0.25% | 0.25% | 0.20%0.10% $1k–$10k0.25% $50k–$90k0.25% from $90k | $5 |
| 6 months | 0.20% | 0.30% | 0.35% | 0.35% | 0.30%0.20% $1k–$10k0.35% $50k–$90k0.35% from $90k | $15 |
| 12 months | 0.30% | 0.40% | 0.45% | 0.45% | 0.40%0.30% $1k–$10k0.45% $50k–$90k0.45% from $90k | $40 |
| 24 months | 0.50% | 0.60% | 0.65% | 0.65% | 0.60%0.50% $1k–$10k0.65% $50k–$90k0.65% from $90k | $120 |
| 36 months | 0.65% | 0.75% | 0.80% | 0.80% | 0.75%0.65% $1k–$10k0.80% $50k–$90k0.80% from $90k | $227 |
| 48 months | 0.75% | 2.50% | 2.50% | 2.50% | 2.50%0.75% $1k–$10k2.50% $50k–$90k2.50% from $90k | $1,038 |
| 60 months | 1.00% | 2.65% | 2.65% | 2.65% | 2.65%1.00% $1k–$10k2.65% $50k–$90k2.65% from $90k | $1,397 |
18 Month Bump Rate IRA Certificate
0.50%APY · 1 term
One rate bump allowed during the term of the certificate at owner's request. Additional deposits allowed at any time. $1,000 minimum deposit. Available as IRA certificates. $5 one-time membership fee and savings account required for membership.
| Term | APY · $1,000 – $10,000 | APY · $10,000 – $50,000 | APY · $50,000 – $90,000 | APY · $90,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 18 monthsOne rate bump allowed during term. Additional deposits allowed | 0.40% | 0.50% | 0.55% | 0.55% | 0.50%0.40% $1k–$10k0.55% $50k–$90k0.55% from $90k | $75 |
Sources (2)
All captured Oct 6, 2026
Holiday Saver Certificate
0.50%APY
Open anytime between November 1st and July 31st. Matures on October 31st. Term depends on when certificate is opened. Minimum opening deposit $50, with a required $50 automatic monthly transfer from another Cal Coast share account. Additional deposits allowed at any time. If balance falls below $50 or automatic deposits stop, certificate closes and funds transfer to savings account. $5 one-time membership fee and savings account required for membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upRequires $50 minimum opening deposit and $50 automatic monthly transfer from another Cal Coast share account. Open between November 1 and July 31; matures October 31. Additional deposits allowed anytime.$50 and up | 0.50% | $50 | Requires $50 minimum opening deposit and $50 automatic monthly transfer from another Cal Coast share account. Open between November 1 and July 31; matures October 31. Additional deposits allowed anytime. |
Youth Certificate
0.20%APY · 1 term
Available for youth age 25 or younger. Terms from 3 months to 2 years (24 months). Minimum opening deposit $100; maximum certificate amount $3,000. Additional deposits allowed. Dividends may be withdrawn at any time without penalty or added to principal. $5 one-time membership fee and savings account required for membership.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–24 monthsFor members age 25 or younger. Terms from 3 months to 2 years. Maximum certificate amount $3,000. Additional deposits allowed. Dividends may be withdrawn anytime without penalty | 0.20% | $5 |
Who can join California Coast Credit Union
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.
Membership information collected October 5, 2026.