Credit union · NCUA insured
Coast Central Credit Union CD Rates
Top CarrotCoast Central Credit Union’s best CD rate is 4.33% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Coast Central Credit Union’s CD rates compare
Compared with banks and credit unions near Eureka, CA, where Coast Central Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Coast Central Credit Union
4.33%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,361
Savings Certificates
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
3rd-highest rate
Compass Community Credit Union
4.25%APY
- Term
- 11 months
- Requires
- None
- Minimum
- $7,500
- Earns on $10,000
- $389
Coast Central Credit Union CD score
88
CD score
Higher than 84% of U.S. banks and credit unions
- 3–8 months3–8 mo3.56%
- 9–15 months9–15 mo3.82%
- 16–30 months16–30 mo3.92%
- 31–60 months31–60 mo4.33%
- QualifiedQualified4.33%
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 Coast Central 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.
Savings Certificates
Up to 4.33%APY · 7 terms
Dividends are calculated daily and paid monthly. Early withdrawal penalty: certificates with 12-month maturity or less carry a 60-day forfeiture of dividends; over one year carry a 90-day forfeiture of dividends. Dividend penalty will never exceed dividends actually earned. No monthly service fee.
| Term | APY · $500 – $9,999 | APY · $10,000 – $74,999 | APY · $75,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3–6 monthsTerm 90 to 181 Days (7100) | — | 3.30% | 3.30% | 3.30%3.30% from $75k | $81 |
| 7–12 monthsTerm 182 to 364 days (7200) | 3.56% | 3.56% | 3.56% | 3.56%3.56% $500–$10k3.56% from $75k | $178 |
| 12–23 monthsTerm 12 to 23 months (7300) | 3.82% | 3.82% | 3.82% | 3.82%3.82% $500–$10k3.82% from $75k | $382 |
| 24–35 monthsTerm 24 to 35 months (7400) | 3.92% | 3.92% | 3.92% | 3.92%3.92% $500–$10k3.92% from $75k | $799 |
| 36–47 monthsTerm 36 to 47 months (7500) | 4.02% | 4.02% | 4.02% | 4.02%4.02% $500–$10k4.02% from $75k | $1,255 |
| 48–59 monthsTerm 48 to 59 months (7600) | 4.18% | 4.18% | — | 4.18%4.18% $500–$10k | $1,780 |
| 48–59 monthsTerms: 48 to 59 months | 4.18% | — | — | —4.18% $500–$10k | — |
| 60 monthsTerm 60 months (7700) | 4.33% | 4.33% | 4.33% | 4.33%4.33% $500–$10k4.33% from $75k | $2,361 |
Sources (4)
- coastccu.org/personal/savings-and-certificates
- coastccu.org/rates
- coastccu.org/savings-certificate-future
- coastccu.org/savings-certificates
All captured Oct 16, 2026
Special-purpose accounts
Coverdell Education Savings Account (ESA) Certificates
Up to 4.33%APY · 5 terms
Dividends are calculated daily and paid monthly. Early withdrawal penalty: certificates with 12-month maturity or less carry a 60-day forfeiture of dividends; over one year carry a 90-day forfeiture of dividends. Dividend penalty will never exceed dividends actually earned. $10.00 Coverdell Annual Maintenance Fee.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12–23 monthsTerm 12 to 23 months (9100) | 3.82% | $382 |
| 24–35 monthsTerm 24 to 35 months (9200) | 3.92% | $799 |
| 36–47 monthsTerm 36 to 47 months (9300) | 4.02% | $1,255 |
| 48–59 monthsTerm 48 to 59 months (9400) | 4.18% | $1,780 |
| 60 monthsTerm 60 months (9500) | 4.33% | $2,361 |
Sources (2)
All captured Oct 16, 2026
Roth IRA Certificates
Up to 4.33%APY · 5 terms
Dividends are calculated daily and paid monthly. Early withdrawal penalty: certificates with 12-month maturity or less carry a 60-day forfeiture of dividends; over one year carry a 90-day forfeiture of dividends. Dividend penalty will never exceed dividends actually earned. $10.00 Roth Annual Maintenance Fee.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12–23 monthsTerm 12 to 23 months (9100) | 3.82% | $382 |
| 24–35 monthsTerm 24 to 35 months (9200) | 3.92% | $799 |
| 36–47 monthsTerm 36 to 47 months (9300) | 4.02% | $1,255 |
| 48–59 monthsTerm 48 to 59 months (9400) | 4.18% | $1,780 |
| 60 monthsTerm 60 months (9500) | 4.33% | $2,361 |
Sources (2)
All captured Oct 16, 2026
Simplified Employee Pension (SEP) IRA Certificates
Up to 4.33%APY · 5 terms
Dividends are calculated daily and paid monthly. Early withdrawal penalty: certificates with 12-month maturity or less carry a 60-day forfeiture of dividends; over one year carry a 90-day forfeiture of dividends. Dividend penalty will never exceed dividends actually earned.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12–23 monthsTerm 12 to 23 months (9100) | 3.82% | $382 |
| 24–35 monthsTerm 24 to 35 months (9200) | 3.92% | $799 |
| 36–47 monthsTerm 36 to 47 months (9300) | 4.02% | $1,255 |
| 48–59 monthsTerm 48 to 59 months (9400) | 4.18% | $1,780 |
| 60 monthsTerm 60 months (9500) | 4.33% | $2,361 |
Sources (1)
- coastccu.org/rates · captured Oct 16, 2026
Traditional IRA Certificates
Up to 4.33%APY · 5 terms
Dividends are calculated daily and paid monthly. Early withdrawal penalty: certificates with 12-month maturity or less carry a 60-day forfeiture of dividends; over one year carry a 90-day forfeiture of dividends. Dividend penalty will never exceed dividends actually earned. $10.00 Traditional Annual Maintenance Fee.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12–23 monthsTerm 12 to 23 months (9100) | 3.82% | $382 |
| 24–35 monthsTerm 24 to 35 months (9200) | 3.92% | $799 |
| 36–47 monthsTerm 36 to 47 months (9300) | 4.02% | $1,255 |
| 48–59 monthsTerm 48 to 59 months (9400) | 4.18% | $1,780 |
| 60 monthsTerm 60 months (9500) | 4.33% | $2,361 |
Sources (2)
All captured Oct 16, 2026
Who can join Coast Central Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in Humboldt, Del Norte, or Trinity County are eligible for membership.
Cost to join
- A $25 opening deposit is required for a Membership Savings Account.
Membership information collected October 5, 2026.