California Coast Credit Union Encinitas CA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to California Coast, your trusted financial partner located at 429 Santa Fe Dr, Encinitas, CA 92024. Since our establishment in 1929, we have been dedicated to providing exceptional banking services tailored to meet the needs of our community. With a proud membership base of over 206,167 members and total assets exceeding $3.4 billion, we are committed to helping you achieve your financial goals. At California Coast, we understand that each member has unique needs. That's why we offer a wide range of services, from personal banking options like checking and savings accounts to auto loans and mortgage refinancing. Our focus is on delivering value through competitive rates and personalized support. Currently, we have issued a total of 110,750 loans and leases, ensuring that members can access the funds they need when they need them. Our leadership team is dedicated to fostering a supportive environment for our members. Under the guidance of CEO Todd Lane and Board President Steve McMahon, we strive to create a welcoming atmosphere where financial education is encouraged, and members feel valued. In addition to our extensive financial offerings, we proudly maintain a net worth of $440 million and cash in hand amounting to $23,546,872, showcasing our stability and reliability as your credit union. Whether you're looking for business loans or personal credit cards with rewards, California Coast is here to support you every step of the way. While members can visit us at 429 Santa Fe Dr, official correspondence should be sent to the same address for consistency. If you have any questions or need assistance, don't hesitate to call us at (858) 495-1600. We invite you to explore all that California Coast has to offer by visiting our website at calcoastcu.org. Join us today and experience the difference with California Coast your community-focused credit union!

Branch History & Mission

California Coast has a rich history that began in 1929, when it first opened its doors to the community of Encinitas, CA. Since then, we have grown and evolved into a trusted financial partner for over 206,000 members. Our commitment to serving our members and the surrounding community remains as strong as ever. Located at 429 Santa Fe Dr, Encinitas, CA 92024, our branch is nestled in a vibrant area known for its beautiful beaches and welcoming atmosphere. As you visit us, you'll find not only a friendly team ready to assist you but also an array of services tailored to meet your financial needs. At California Coast, we pride ourselves on our mission: to provide exceptional financial services while making a positive impact in our community. This mission drives us to offer products such as personal banking accounts, auto loans, mortgage options, and business banking solutions. We strive to empower our members with the resources they need to achieve their financial goals. As we look back on our journey, we celebrate key milestones that showcase our growth and dedication. With total assets now exceeding $3.4 billion, we have positioned ourselves as a significant player in the local financial landscape. Our efforts extend beyond banking; we actively participate in community outreach programs and partnerships that aim to uplift those around us. While members can visit us at our branch location, official correspondence should be sent to the same address: 429 Santa Fe Dr, Encinitas, CA 92024. We understand the importance of accessibility; that's why we offer convenient ATM services and online banking options. Although we do not have drive-thru service at this time, our lobby hours are designed for your convenience: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 2 PM. As we move forward into the future, we remain dedicated to enhancing member experiences through digital advancements and customer-centric initiatives. Our ongoing commitment includes ensuring ADA compliance and providing an easy-to-use online platform for all your banking needs. We invite you to join California Coast today! Experience firsthand how we combine quality financial services with genuine support for our community. Let's grow together! For more information or to become a member, feel free to reach out at (858) 495-1600 or visit us online at calcoastcu.org.

Branch Location & Accessibility

Convenient Access

At our branch, we prioritize accessibility for all members. Our facility is ADA compliant, ensuring that everyone can enjoy our services without any barriers. We offer ample parking right outside our doors, making visits hassle-free whether you're stopping by for a quick transaction or spending some time with one of our financial advisors.

Operating Hours

We understand that life can get busy, so we've tailored our operating hours to fit your schedule. Visit us Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 2 PM. Whether you need assistance with personal banking, auto loans, or mortgage inquiries, our team is here ready to help during these hours.

Services Offered

Our branch offers a variety of services designed to meet your financial needs. From checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Plus, if you're on the go, take advantage of our ATM availability for quick cash withdrawals and balance checks. While members can visit us at 429 Santa Fe Dr, official correspondence should be sent to the same address as well. If you have any questions or would like more information about our services, feel free to give us a call at (858) 495-1600. We look forward to welcoming you into our community!

Member Eligibility

Joining the California Coast family means becoming part of a supportive community dedicated to helping you achieve your financial goals. If you live, work, or attend school in San Diego County or are related to a current member, you're likely eligible to join us! It's really that simple your connection to our vibrant community opens the door to personalized financial services designed just for you. Plus, as a member of California Coast, you'll enjoy exclusive benefits like competitive loan rates, no monthly fees on certain accounts, and access to various financial resources. For more detailed information about eligibility, feel free to check out our website at calcoastcu.org/membership-benefits. When you're ready to take the next step in joining us, opening an account is easy! Just visit this link or give us a call at (858) 495-1600 if you have any questions. We're excited to welcome you to California Coast, located at 429 Santa Fe Dr Encinitas Ca 92024!

Business Banking & Commercial Services

Financing Options That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $106 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $6 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $273,626,903, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make Transactions Easy

Imagine having a reliable partner to manage your transactions so you can focus on what you do best running your business. Our merchant services simplify payment processing, making it easy for you to accept payments from customers quickly and securely. Whether it's credit card transactions or mobile payments, we've got you covered. At California Coast, located at 429 Santa Fe Dr Encinitas Ca 92024, we're here to help your business thrive. If you're ready to take the next step, reach out to us at (858) 495-1600 today!

Comprehensive List Of Services

Business Banking Support

For our business members in Encinitas, we offer specialized services like merchant services and business loans to help your company thrive. Whether you're just starting out or looking to expand, we're here to support your entrepreneurial journey with tailored financial solutions.

Convenient Access Anytime

We know that convenience matters. That's why we provide ATM and cash withdrawal services at our location and beyond. You can easily access your funds when needed with basic ATM features like balance checks and withdrawals. For any questions or assistance with our services at California Coast, feel free to reach out at 858-495-1600. We're excited to help you navigate your financial journey! Join us today at California Coast in Encinitas your trusted partner in achieving financial wellness!

Credit Cards with Rewards

With our credit cards, not only do you get the convenience of cashless transactions, but you'll also earn rewards on your everyday purchases! Use them wisely and watch the benefits add up perfect for members who love to travel or enjoy exclusive perks.

Home Sweet Home

When it comes to securing a roof over your head, our mortgage loans are designed with you in mind. Whether you're buying your first home or refinancing an existing mortgage, we guide you through each step of the process. Our team is here to ensure you understand all options available so that you can make informed decisions.

Personal Banking Made Easy

In today's fast-paced world, having access to reliable banking services is essential. At California Coast, we offer various personal banking solutions. You can choose from our Checking and Savings Accounts tailored to fit your lifestyle. With online and mobile banking, managing your finances is a breeze check balances, transfer funds, and pay bills right from your phone.

Personal Loans & Debt Relief

Life can be unpredictable, and sometimes unexpected expenses arise. Our personal loans offer a flexible solution when you need extra cash for emergencies or large purchases. Plus, if you're juggling multiple debts, consider our debt consolidation options. We help simplify your payments so you can focus on what matters most.

Vehicle Financing Solutions

Thinking about purchasing a new car? Our auto loans provide competitive rates that make vehicle financing accessible and straightforward. We also cater to those looking to refinance their existing auto loans for better terms. Imagine driving off in the car of your dreams without breaking the bank!

Digital & Online Banking

24/7 Access and Security

Our commitment to security is unwavering. With 24/7 online banking services, you can keep an eye on your accounts whenever you need to. Rest assured that all transactions are protected by advanced security measures, so you can bank with confidence. In short, whether you're checking balances, transferring funds, or applying for loans from the comfort of your couch, California Coast's digital and online banking services are designed with you in mind. Experience the ease of managing your finances today!

Key Features of Our Online Banking

With our robust online banking platform, available at https://www.calcoastcu.org/, you can access your accounts anytime, anywhere. Enjoy features like electronic signature authorization for secure transactions, making it easy to sign important documents without the hassle of printing or scanning. Plus, you can switch to e-statements with just a click no more waiting for paper statements in the mail! Our mobile application puts banking right in your pocket. You can easily make person-to-person transfers with just a few taps, allowing you to send money to friends and family quickly and securely. And if you're someone who loves using digital wallets, you'll be pleased to know that we support mobile payments, making purchases fast and convenient.

Financial Strength

At California Coast, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share insights about our financial health, which reflects our commitment to serving you and your financial needs. With a net worth of $440,048,118, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1292 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $869,867,890 in share certificates and $931,369,924 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $51,539,224, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $344,339,647 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $24,022 in used auto loans and a total of $2,285,428,185 in loans and leases. Our financial performance is reflected in our operational efficiency with a net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 531 full-time employees and 25 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $0. Total Share and Deposit Accounts: 461358, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, California Coast is your trusted partner. Visit us at 429 Santa Fe Dr Encinitas Ca 92024 or call 858-495-1600 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $404,647,400 in used vehicle loans and $383,522,079 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles, ensuring you can find the right fit for your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $273,626,903 provide the capital needed to grow and expand. We understand the unique challenges businesses face and work closely with you to tailor financing solutions that fit your goals.

Conclusion

Whatever your financial needs are be it purchasing a vehicle or a home California Coast is here to support you every step of the way. For more information on our loan offerings or eligibility options, feel free to reach out at 858-495-1600 or visit us at 429 Santa Fe Dr Encinitas Ca 92024. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you navigate your financial path today!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $366,658,382, make buying or refinancing simple. We offer competitive rates and flexible terms that can help you secure a place to call home. If you're considering refinancing your existing mortgage, we have options available that may save you money over time.

Unsecured Credit Card Loans

Managing daily expenses can be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $81,737,644 in loans helping members manage their finances effectively. These cards come with various benefits and rewards designed to suit your lifestyle.

Loan Aggregator

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