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Certificate Rates

Whether you're looking for a liquid or long-term certificate, you can take advantage of Cal Coast's competitive rates that help you invest without the risk.

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Primary Certificate Rates

3 Month Certificate

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Tier  Dividend Rate  APY1
$1,000 - $9,999.99 0.10% 0.10%
$10,000 - $49,999.99 0.20% 0.20%
$50,000 - $89,999.99 0.25% 0.25%
$90,000 or more 0.25% 0.25%

6 Month Certificate

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Tier Dividend Rate APY1
$1,000 - $9,999.99 0.20% 0.20%
$10,000 - $49,999.99 0.30% 0.30%
$50,000 - $89,999.99 0.35% 0.35%
$90,000 or more 0.35% 0.35%

12 Month Certificate

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Tier Dividend Rate APY1
$1,000 - $9,999.99 0.30% 0.30%
$10,000 - $49,999.99 0.40% 0.40%
$50,000 - $89,999.99 0.45% 0.45%
$90,000 or more 0.45% 0.45%

24 Month Certificate

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Tier Dividend Rate APY1
$1,000 - $9,999.99 0.50% 0.50%
$10,000 - $49,999.99 0.60% 0.60%
$50,000 - $89,999.99 0.65% 0.65%
$90,000 or more 0.65% 0.65%

36 Month Certificate

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Tier Dividend Rate APY1
$1,000 - $9,999.99 0.65% 0.65%
$10,000 - $49,999.99 0.75% 0.75%
$50,000 - $89,999.99 0.80% 0.80%
$90,000 or more 0.80% 0.80%

48 Month Certificate

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Tier Dividend Rate APY1
$1,000 - $9,999.99 0.75% 0.75%
$10,000 - $49,999.99 2.47% 2.50%
$50,000 - $89,999.99 2.47% 2.50%
$90,000 or more 2.47% 2.50%

60 Month Certificate

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Tier Dividend Rate APY1
$1,000 - $9,999.99 1.00% 1.00%
$10,000 - $49,999.99 2.62% 2.65%
$50,000 - $89,999.99 2.62% 2.65%
$90,000 or more 2.62% 2.65%

Special Certificate Rates

8 Month Liquid

Build your savings with our short-term certificate with easy access to your funds!

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Tier Dividend Rate APY1
$1,000 or more 2.96% 3.00%

18 Month Bump Rate

Bump your rate when rates rise.

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Tier Dividend Rate APY1
$1,000 - $9,999.99 0.40% 0.40%
$10,000 - $49,999.99 0.50% 0.50%
$50,000 - $89,999.99 0.55% 0.55%
$90,000 or more 0.55% 0.55%

Take 5 Certificate

Exceptionally high rate with a low minimum deposit.

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Tier Dividend Rate APY1
$500 - $5,000 4.89% 5.00%

Youth Certificates

You can never start saving too early, start saving today with a Cal Coast Youth Certificate. 

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Tier Dividend Rate APY1
$100 or more 0.20% 0.20%

Seasonal Certificates

Holiday Saver Certificate

Open a certificate with as little as $50, plus an additional $50 automatic monthly transfer from another Cal Coast share account for uncomplicated holiday savings. 

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Tier Dividend Rate APY
$49.99 and Under None Paid None Paid
$50 or more 0.50% 0.50%

Summer Certificate

Open a certificate with as little as $50, plus an additional $50 automatic monthly transfer from another Cal Coast share account to save for you summer expenses.

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Tier Dividend Rate APY1
$49.99 and Under None Paid None Paid
$50 or More 0.50% 0.50%

1APY = Annual Percentage Yield. Dividend rates and APYs 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. Terms are subject to change without notice. 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.

PAYMENT OF DIVIDENDS: The frequency and conditions upon which dividends are paid on all accounts are in accordance with the bylaws of this credit union, California law, and the Truth-in-Savings Act and Regulations. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. For all dividend-bearing accounts, dividends will be compounded monthly and will be credited monthly. The dividend period is monthly; for example, the beginning date of the first dividend period of the calendar year is January 1 and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date follows the ending date of a dividend period, and for the example is January 31. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will begin to accrue on the business day you deposit non-cash items (e.g., checks) to your account if deposited before the close of business.

EARLY WITHDRAWAL PENALTIES: A penalty equal to 90 days’ dividends on the amount withdrawn for certificates with an original maturity of six months or less will be imposed. A penalty equal to 180 days’ dividends on the amount withdrawn for certificates with an original maturity greater than six months to 24 months will be imposed. A penalty equal to 365 days’ dividends on the amount withdrawn for certificates with an original maturity greater than 24 months will be imposed.

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