Certificates
CERTIFICATES
Lock in a fixed rate. Choose a term from 3 months to 5 years.
Right now, the 11- or 15-Month Certificate earns 3.50% APY on a $10,000 minimum7—one of several terms below, each insured up to $250,000 by NCUA.
Featured: 11-/15-Month
3.50%APY1,7
$10,000Minimum to open
11 or 15 monthsTerm
Rolls into 12-month cert.At maturity
Limited-time offer; renews at the prevailing standard rate unless you choose otherwise at maturity.
|
3mo–5yr terms available |
Fixed rate for the full term |
$250K+ NCUA insured |
$100 minimum, Youth Certificate |
3mo–5yr
terms available
Fixed
rate for the full term
$250K+
NCUA insured
$100
minimum, Youth Certificate
Compare standard certificates
| Primary Certificate | 8 Month Liquid Certificate2 | Pick Your Term Certificate3 | Take 5 Certificate4 | |
|---|---|---|---|---|
| APY1 | Varies by term and tier | 3.00% | 3.50% | 5.00% |
| Term | 3 months - 5 years | 8 months | 11 or 15 months | 5 months |
| Minimum to open | $1,000 | $1,000 | $10,000 | $500 (max $5,000) |
| Key feature | Competitive fixed rate | One penalty-free withdrawal | Choose your term | Fixed rate, new members |
| Additional deposits6 | Yes | Yes | No | No |
| New money required | No | No | No | Yes |
Seasonal certificates
| Summer Certificate5 | Holiday Saver Certificate5 | |
|---|---|---|
| APY1 | 0.50% | 0.50% |
| Matures | June 30 | October 31 |
| Minimum to open | $50 | $50 |
| Required monthly deposit | $50 automatic, from a Cal Coast share account | $50 automatic, from a Cal Coast share account |
Youth Certificate
| Youth Savings Certificate | |
|---|---|
| APY1 | Varies by term and tier |
| Term | 3 months – 2 years |
| Minimum to open | $100 |
| Additional deposits | Yes |
Pick a term. Lock in the rate.
From a 5-month Take 5 to a 5-year Primary Certificate — find the term that matches your timeline.
More ways to save
Fixed rates from 3 months to 5 years.
Higher dividend rates, easy access to funds.
Tips and tools to manage your money.
1. APY = Annual Percentage Yield. The Annual Percentage Yield assumes dividends will remain in the account until maturity. Penalty for early withdrawal applies to all certificates unless otherwise indicated. Fees could reduce earnings. Rates and terms are subject to change without notice. Visit calcoastcu.org or a branch location for details on rates, fees, and minimum balance requirements. Membership and credit subject to approval. Serving everyone who lives or works in San Diego, Riverside, Imperial, Orange, Los Angeles, Ventura, and San Bernardino counties. A one-time $5 membership fee and savings account required. Restrictions apply. Members may be eligible for rates other than those posted for non-promotional certificates based on their overall relationship with Cal Coast and matching a competitor's offer for a materially similar certificate; rate-matching requires documentation of the competitor's rate and is subject to matching at Cal Coast's sole discretion.
2. The minimum deposit to open the 8-Month Liquid Certificate is $1,000; the minimum balance to earn the stated APY is $1,000. Offer excludes IRAs and requires new money only. Additional deposits of $1,000 or more may be made at any time. After the first seven days, one penalty-free withdrawal of $1,000 or more is allowed during the term, as long as the withdrawal leaves a balance of $1,000 or more or closes the certificate. At maturity, the account automatically renews into an 8-Month Certificate at the prevailing rate, and credited dividends become part of the principal.
3. APY = Annual Percentage Yield. The minimum balance required to open and earn stated APY is $10,000. The Annual Percentage Yield assumes dividends will remain in the account until maturity. Early withdrawal penalty applies. Fees could reduce earnings. Offer excludes individual retirement accounts. At maturity, the promotional 11-and 15-Month Certificate automatically renews into a standard 12‑Month Certificate at the prevailing rate; credited dividends become part of principal. Limited-time offer. Cannot be combined with any other offer. Subject to change without notice. Other restrictions may apply. Must meet membership and account eligibility requirements, including a one-time $5 membership fee.
4. APY = Annual Percentage Yield. Early withdrawal penalty applies. Fees could reduce earnings. Offer excludes IRAs and requires new money only; available to new members only. A primary member may open one Take 5 Certificate under the same name and tax ID. Minimum balance to open and obtain the APY is $500; maximum opening deposit is $5,000. Consumer account members must also maintain an active checking account with eStatements, an open consumer loan, or a $5,000 minimum balance in a money market, certificate, or IRA certificate account; business account members must maintain an active business checking account with eStatements, a $5,000 minimum in a Business Money Market account, or a Business Line of Credit. A 30-day grace period applies to meet these conditions; if unmet, the rate may be reduced to the standard 3-Month Certificate rate for the remainder of the term. Limited-time offer, cannot be combined with other offers. Federally insured by NCUA.
5. Minimum balance to open and obtain the APY is $50, with a required $50 automatic monthly deposit from another Cal Coast share account. Additional deposits allowed at any time. If the balance falls below $50 or automatic deposits stop, the certificate closes and funds transfer to your savings account.
6. Certain deposit and term restrictions apply.
7. Minimum balance to open and earn the stated APY is $10,000. Assumes dividends remain in the account until maturity. Early withdrawal penalty applies. Fees could reduce earnings. Offer excludes IRAs. At maturity, the promotional 11- and 15-Month Certificate automatically renews into a standard 12-Month Certificate at the prevailing rate; credited dividends become part of principal. Limited-time offer, cannot be combined with other offers. Federally insured by NCUA.
