California Coast Credit Union Escondido CA | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to California Coast in Escondido, where your financial well-being is our top priority! Located at 962 W Valley Pkwy, Escondido, CA 92025, we have been serving our community since 1929. With a strong commitment to our members and a deep understanding of their needs, we are proud to support over 206,000 members with tailored financial solutions. At California Coast, we understand that trust and reliability are essential in banking. That's why we've built a solid foundation with total assets of $3,400,571,279 and total deposits reaching $210,204,145. Our robust net worth of $440,048,118 demonstrates our commitment to your financial security. Whether you're looking for personal banking services such as checking accounts or auto loans, or business banking solutions like merchant services and business loans, we have you covered. Under the leadership of our CEO, Todd Lane, and Board President, Steve McMahon, we are dedicated to enhancing your banking experience. Our team of 556 employees is here to assist you every step of the way whether that's through our online banking services or by visiting us at the branch. While members can visit us at 962 W Valley Pkwy, official correspondence should be sent to the same address. If you have any questions or need assistance, don't hesitate to reach out at (858) 495-1600. We invite you to explore all the ways California Coast can help you achieve your financial goals. Visit us online at calcoastcu.org for more information on membership benefits and account openings. Join us today and discover how California Coast is more than just a credit union; we are your partner in building a better financial future!

Branch History & Mission

Community Engagement

We pride ourselves on being more than just a financial institution; we are an active participant in the community. From partnerships with local organizations to sponsorships of events that uplift our neighborhoods, California Coast is dedicated to making a positive impact where it matters most. In today's digital age, we've embraced technology while ensuring that all members have access to essential services like online banking and mobile payments. With ATM availability at our branch and no drive-thru service, we remain focused on creating an environment where personal connections thrive.

Join Us Today

If you're looking for a credit union that values community spirit and member satisfaction as much as you do, consider joining California Coast. Experience firsthand the benefits of membership where your financial goals meet compassionate support. Together, let's build a brighter financial future! For more information or assistance, feel free to reach out at (858) 495-1600 or visit us online at California Coast.

Our Mission

At California Coast, our mission is clear: we strive to empower individuals and families through accessible financial services while making meaningful contributions to the communities we serve. We offer a wide range of products including checking and savings accounts, auto loans, mortgages, personal loans, and business banking services. Our commitment extends beyond just banking; we believe in giving back through various outreach programs that support local initiatives. While members can visit us at 962 W Valley Pkwy Escondido Ca 92025, official correspondence should be sent to 962 W Valley Pkwy, Escondido, CA 92025-2554. Our operating hours are designed to accommodate your busy life: Monday through Thursday from 9 AM to 5 PM and Saturday from 9 AM to 2 PM.

Our Story

From our humble beginnings nearly a century ago, California Coast has steadily expanded its reach and capabilities. Located at 962 W Valley Pkwy, Escondido, CA 92025, our branch stands as a testament to our dedication to serving the community. We currently boast over 206,000 members and manage assets totaling more than $3.4 billion. This significant growth reflects not only the trust placed in us by our members but also our unwavering focus on providing excellent service tailored to their needs.

Branch Location & Accessibility

Convenient Access and Features

At California Coast, we prioritize accessibility for all our members. Our branch features ADA-compliant entryways and ramps, ensuring that everyone can visit us comfortably. You'll find ample parking available right outside the building, so you can park with ease and get in quickly. We know your time is valuable, which is why we're here to serve you during convenient hours. Our lobby is open Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 2 PM. If you have any questions or need assistance, feel free to give us a call at 858-495-1600.

Services Tailored for You

California Coast offers a variety of services designed to meet your financial needs. Whether you're looking for checking and savings accounts, auto loans, mortgage refinancing, or credit cards with rewards our friendly staff is here to help you every step of the way. Plus, we provide ATM access for quick cash withdrawals and balance checks whenever you need them. While members can visit us at our branch location for all these services, official correspondence should be sent to our mailing address at 962 W Valley Pkwy, Escondido, CA 92025-2554. We invite you to come experience the California Coast difference! Visit us today or call with any questions; we're eager to assist you on your financial journey.

Member Eligibility

Becoming a member of California Coast is like joining a family that truly cares about your financial well-being. If you live, work, or worship in the area or are a relative of an existing member, you're already on your way to enjoying the benefits we offer! Our community-focused approach means we're here to support you with everything from checking and savings accounts to loans and credit cards. For those interested in diving deeper into eligibility details, check out our comprehensive guide at http://www.calcoastcu.org/membership-benefits/. Opening an account is simple just visit us at our branch located at 962 W Valley Pkwy Escondido Ca 92025, or give us a call at (858) 495-1600 for more information on how to start your journey with us. We can't wait to welcome you into the California Coast family!

Business Banking & Commercial Services

Merchant Services That Make a Difference

Managing payments shouldn't be a hassle. Our merchant services offer simple solutions that allow you to accept payments easily, whether in-store or online. Imagine processing customer transactions smoothly while focusing on what you do best running your business. From point-of-sale systems to online payment gateways, we equip you with the tools necessary for seamless transactions. Come visit us at 962 W Valley Pkwy Escondido Ca 92025, Escondido, CA, or give us a call at (858) 495-1600. Let's work together to fuel your business's growth!

Tailored Loan Solutions

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.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash quickly? Our ATM services allow for easy withdrawals and balance checks whenever you need them. With convenient access across locations, getting cash is hassle-free. At California Coast, we prioritize not just offering services but ensuring they fit seamlessly into your lifestyle. We're here to help answer any questions and guide you through our offerings. Feel free to reach out to us at (858) 495-1600 or visit us at our Escondido branch today! Let's take the next step toward achieving your financial goals together.

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our Auto Loans & Vehicle Financing options provide competitive rates and flexible terms, making it easier for you to hit the road in style. Imagine driving off in your dream vehicle without breaking the bank. With our personalized service, we help you find the right loan that fits your budget.

Business Banking

For our entrepreneurial members, we provide comprehensive Business Banking services including Merchant Services & Business Loans. We understand that running a business comes with its own set of challenges; that's why we're here to support your financial needs as you grow and thrive.

Credit Cards with Rewards

Our Credit Cards with Rewards not only help you make purchases but also earn rewards while doing so! Use your card for everyday expenses and watch the benefits add up whether it's cash back or travel points, you'll enjoy perks just by being a member.

Mortgage Loans & Refinancing

If homeownership is on your mind, our Mortgage Loans & Refinancing services can help make that dream a reality. We guide you through every step of the process, whether you're purchasing your first home or looking to refinance your current mortgage for better rates.

Online & Mobile Banking

In today's busy world, convenience is key. With our robust Online & Mobile Banking platforms, managing your finances has never been easier. Check balances, transfer funds, pay bills, or apply for loans all from the comfort of your home or on-the-go.

Personal Banking

For those looking to manage day-to-day expenses or save for future goals, our Personal Banking options are designed just for you. We offer various Checking & Savings Accounts that come with features to help you track your spending and grow your savings. Whether you're saving for a vacation or setting aside funds for emergencies, we've got you covered.

Personal Loans & Debt Consolidation

Life can be unpredictable, and unexpected expenses often arise. Our Personal Loans & Debt Consolidation options offer a way to handle those surprises without stress. Need to consolidate multiple debts into one manageable payment? We've got solutions that work for you.

Digital & Online Banking

At California Coast, we understand that banking should fit into your busy life, not the other way around. That's why we offer a range of digital and online banking services designed to make managing your finances easy, secure, and convenient. With our 24/7 online banking services available at https://www.calcoastcu.org/, you can access your accounts anytime, anywhere. Whether you're checking your balance, transferring funds, or reviewing recent transactions, it's all just a click away. Our mobile application takes this convenience even further, allowing you to manage your finances directly from your smartphone. Need to make payments on the go? With our mobile payments feature, you can do just that with ease. Security is a top priority for us. You can rest assured knowing that all your transactions are protected with advanced security measures. Plus, we offer electronic signature authorization, so you can sign documents securely without needing to visit a branch. Keeping track of your statements is simple too! With e-statements available, you'll receive your financial statements electronically no more paper clutter! Our person-to-person transfers feature allows you to send money quickly and easily to friends or family, making shared expenses less of a hassle. At California Coast, we're committed to making banking accessible for everyone. Join us today and experience how our digital services can help simplify your financial management while keeping everything safe and sound.

Financial Strength

Building Trust Together

With a total of 461,358 share accounts, it's clear that many have chosen California Coast as their trusted partner for financial growth. Our financial strength means we can continue serving you confidently. Whether you're saving for the future or exploring loan options today, California Coast is here for you. Visit us at 962 W Valley Pkwy Escondido CA 92025 or call us at 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.

Dedicated Team Ready to Serve You

We take pride in having 531 full-time employees and 25 part-time employees who are dedicated to serving you with knowledgeable support. This team ensures that whether you're saving or borrowing, you receive personal attention tailored to your needs.

Member-Centric Savings Solutions

Your savings are secure with us. We have $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 and exclusive perks.

Operational Efficiency

While our reported net income is currently $0, this reflects strategic investments aimed at enhancing member services rather than operational inefficiencies. We are committed to ensuring that every dollar works towards providing you with the best possible banking experience.

Reinvesting in Member Services

Our commitment to excellence is reflected in our $344,339,647 in undivided earnings. This allows us to reinvest in innovative banking tools and stronger lending options to serve you better. With a total of $2,285,428,185 in loans and leases, including $24,022 in used auto loans, our lending capacity supports your financial goals across various sectors.

Strong Net Worth and Capital Foundation

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.

Loan Offering

Additional Loan Services

For those interested in expanding their business horizons, we have outstanding commercial loans totaling $273,626,903 available for qualified business owners. These loans provide the capital needed to grow and expand your business operations. If you're considering refinancing any existing loans or would like to explore eligibility options for our various loan products, our friendly staff at our Escondido branch is ready to assist you. You can reach us at (858) 495-1600 for more information or visit us at 962 W Valley Pkwy Escondido CA 92025. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At California Coast, we're committed to providing transparent services and helping you navigate your borrowing options with ease. Explore how our loan products can work for you today!

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. Whether you're interested in financing a brand-new model or a reliable used vehicle, our flexible terms can make it easier for you to get behind the wheel.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $366,658,382. Our team is here to guide you through the process and provide support every step of the way.

Unsecured Credit Card Loans

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. This option allows you to make purchases when needed without tying up your cash flow.

Loan Aggregator

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