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18 Month Bump Rate Certificate

They don’t call it bump for nothing.

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Bump Your Rate When Rates Rise

If you're concerned you may be missing out on higher rates later, check out our 18 Month Bump Rate certificate. If the rate rises, you can bump up to the higher rate.1 

18 Month Bump Rate Certificate Benefits:
  • One rate bump allowed during the term of the certificate
  • Make additional deposits during the term
Easy access to accounts:
  • Online Banking—review transaction history, utilize budget tools, make external transfers, and more.
  • Mobile Banking2 including Bill Pay, Deposit, PayItNow person-to-person payments3
  • Free eStatements
  • CoastLine Telephone Banking 

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  1. APY = Annual Percentage Yield. Rates are accurate as of 04/30/2026. 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 visit one of our branch locations for details on rates, fees, and minimum balance requirements. Federally insured by NCUA. 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 opportunities require documentation of competitors’ rates and are subject to matching at Cal Coast’s sole discretion.

    The minimum deposit required to open the 18-Month Bump Certificate is $1,000. The minimum balance to earn dividends 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.
  2. Check with your wireless provider to determine if data and text messages rates apply.
  3. Maximum transfer amount is $1,000. There is no fee to use this service. Learn More.

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ABA/Routing No: 322281578
NMLS ID# 407951