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

Introduction

Welcome to California Coast, your trusted partner in financial wellness, located at 3485 Marron Rd, Oceanside, CA 92056. Since our establishment in 1929, we have dedicated ourselves to serving our members with a strong commitment to community and excellence. With over 206,000 members and total assets exceeding $3.4 billion, we are proud to be a cornerstone of the Oceanside community. At California Coast, we believe in putting our members first. Our leadership team, led by CEO Todd Lane and Board President Steve McMahon, is passionate about providing exceptional service and innovative financial solutions tailored to your needs. Whether you're looking for personal banking options like checking accounts and auto loans or business banking services, we've got you covered. While you can visit us at our branch, official correspondence should be sent to the same address: 3485 Marron Rd, Oceanside, CA 92056. We understand that convenience is key; that's why we offer online and mobile banking services, allowing you to manage your finances anytime, anywhere. With total loans of 110,750 and deposits reaching $210 million, our financial strength is a testament to our dedication to helping our members thrive. We also maintain a healthy net worth of $440 million, ensuring stability for all who choose to bank with us. Join us today at California Coast where you will experience personalized service and a welcoming environment. For any inquiries or assistance, feel free to call us at (858) 495-1600. We look forward to helping you achieve your financial goals!

Branch History & Mission

Commitment to Innovation

In today's fast-paced world, we understand the importance of innovation. Our branch embraces digital advancements while ensuring compliance with ADA standards so that everyone can enjoy our services without barriers. We are proud to offer features like electronic signatures, mobile payments, and person-to-person transactions that simplify banking for all. Whether you visit us during our operating hours Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, or Saturday from 9 AM to 2 PM or utilize our drive-thru service for quick transactions, your experience is always at the forefront of what we do. If you want to learn more about becoming part of California Coast's family or if you have any inquiries about our services, please reach out at 858-495-1600 or visit us online at www.calcoastcu.org. Join us today and experience firsthand how we can support your financial journey!

Our Mission

At California Coast, our mission is clear: we strive to empower individuals and families by providing them with personalized banking solutions tailored to their unique needs. Whether you're looking for checking and savings accounts, auto loans, mortgages, or business banking services, we aim to offer products that help you achieve your financial goals. We believe in making banking accessible and convenient; that's why we provide options like online and mobile banking along with ATM access for ease of use. Community support is also at the heart of what we do. We actively engage with local organizations and initiatives that uplift and strengthen our neighborhoods. Our partnerships extend beyond just financial services; they encompass a broader commitment to enhancing the quality of life for all residents in Oceanside and surrounding areas.

Branch Location & Accessibility

Contact Us Today!

We invite you to come by and experience the friendly atmosphere at our Oceanside Tri-city branch. If you have questions or need assistance before your visit, don't hesitate to call us at 858-495-1600. Our dedicated team looks forward to serving you!

Nearby Landmarks and Accessibility

Our branch is nestled in the heart of Oceanside, close to popular landmarks like the vibrant shopping areas and local parks. This prime location means you can stop by while running errands or enjoying a day out. We offer ample parking space right outside the branch for your convenience. Plus, our facility is designed with accessibility in mind, featuring ADA-compliant ramps and entrances to ensure everyone feels welcome.

Operating Hours

We know your time is valuable! That's why our lobby hours are designed to fit your schedule. You can 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. If you need quick banking solutions, take advantage of our drive-thru service for simple transactions without leaving your car.

Services Offered

At California Coast, we pride ourselves on offering a wide range of services tailored to meet your needs. Whether you're looking for checking and savings accounts, auto loans, mortgages, or even credit cards with rewards, we have you covered! Our shared service center also allows members of partner credit unions to make deposits and withdrawals seamlessly.

Member Eligibility

Becoming a member of California Coast is like joining a warm, supportive community where your financial well-being is the priority. If you live, work, or go to school in the areas we serve, you're likely eligible to join us! We welcome individuals from various backgrounds and walks of life, ensuring that everyone can benefit from our personal banking services. To learn more about the specific eligibility criteria, feel free to check out this resource: http://www.calcoastcu.org/membership-benefits/. Once you're ready to take the next step, opening an account is easy! Just visit us at 3485 Marron Rd Oceanside Ca 92056, or give us a call at (858) 495-1600 for assistance. You can also start your application online by following this link: https://calcoastcu.mortgagewebcenter.com/account/login?returnurl=%2fapplynow&_ga=2.210847829.1947839381.1603723635-939147346.1597771707. At California Coast, we believe that everyone deserves access to tailored financial solutions, and we can't wait to help you on your journey!

Business Banking & Commercial Services

Loan Options Tailored for You

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 Simplify Transactions

Running a business means juggling various tasks daily. Our merchant services streamline payment processing, allowing you to focus on what matters most serving your customers. From mobile payments to online transactions, we offer solutions that fit seamlessly into your operations. Visit us at 3485 Marron Rd Oceanside Ca 92056 in Oceanside, CA, or call us at (858) 495-1600 to learn more about how our business banking and commercial services can help turn your vision into reality. Your success is our priority!

Comprehensive List Of Services

ATM and Cash Withdrawal Services

Need cash on the go? Our ATM services allow for easy withdrawals and balance checks, ensuring that you always have access to your funds when you need them. Plus, our drive-thru banking provides a quick solution for deposits and withdrawals without leaving your car.

Business Banking Solutions

For local entrepreneurs, our business banking services include merchant services and business loans to help you grow your venture. We understand that running a business comes with its challenges, and we're here to support you every step of the way.

Credit Cards and Rewards

Don't forget about our credit cards with rewards! They're not just a way to pay; they can also earn you points or cashback on purchases, making every transaction rewarding.

Online and Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking options. You can manage your accounts from anywhere with just a few clicks or taps on your phone. Features like person-to-person payments allow you to send money easily to friends or family without any hassle.

Personal Banking Services

Our personal banking options are designed with your lifestyle in mind. If you're managing day-to-day expenses, consider our checking and savings accounts that help you keep track of your finances effortlessly. Planning for a new car? Our auto loans and vehicle financing make it easy to drive off in a vehicle you love without straining your budget. Thinking about homeownership? We offer mortgage loans and refinancing options that can help you secure the perfect home while making the process straightforward. For those unexpected expenses or consolidating debt, our personal loans provide quick access to cash when you need it most.

Shared Branch Transactions

If you're a member of another partner credit union, don't worry! We offer basic shared branch transactions where you can make deposits and withdrawals conveniently at our location. At California Coast, we strive to provide quality service that meets all your financial needs under one roof. If you're ready to experience these benefits first-hand, feel free to reach out by calling us at 858-495-1600 or visit us in person. We invite you to explore everything we have to offer and become part of our community today! For more information on membership benefits or to open an account, check out our website at calcoastcu.org. Let's work together towards a brighter financial future!

Digital & Online Banking

In today's fast-paced world, having access to your finances anytime and anywhere is crucial. At California Coast, we make banking easy and secure with our range of digital and online banking services. Whether you're at home or on the go, managing your money has never been more convenient. Our online banking platform allows you to access your accounts 24/7 through a user-friendly interface. Simply visit https://www.calcoastcu.org/ to get started! You can check balances, pay bills, and transfer funds without ever stepping foot in a branch. Plus, with our electronic signature authorization, signing documents is quick and hassle-free. If you prefer keeping up with your finances on your smartphone, our mobile application is available for download. It supports mobile payments, making it easy to pay for purchases directly from your account. You can also enjoy person-to-person transfers, so sending money to friends or family is as simple as a few taps on your screen. For those who want to stay organized and environmentally friendly, we offer e-statements that allow you to view your financial statements online instead of waiting for them in the mail. This feature not only saves paper but also ensures you have real-time access to your financial information. Security is a top priority at California Coast. Our systems are designed to keep your data safe while providing ease of use. With everything from account management to payment processing secured by advanced technologies, you can feel confident knowing that your finances are protected. At California Coast, we understand that convenience matters. That's why our digital banking services empower you to take control of your finances wherever life takes you. Start enjoying these benefits today!

Financial Strength

Commitment to Growth

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 your financial goals with $24,022 in used auto loans and a total of $2,285,428,185 in loans and leases available.

Efficient Operations

Our commitment to operational efficiency is reflected in our $0, which allows us to continue providing competitive loan rates and solid financial products for our members. We 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.

Growing Trust

We also boast a strong member base with a total of 461,358 share accounts, showcasing the trust our members place in us for their financial needs. The funds available for lending and investments stand at $0. 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 3485 Marron Rd Oceanside Ca 92056 or call (858) 495-1600 to learn more about how we can help you achieve your financial goals.

Secure Savings

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.

Solid Foundation

With a net worth of $440,048,118, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,292 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

Auto Loans

Looking to buy a new car? Our auto loans provide 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 assisting members in getting on the road. Whether you're eyeing a brand-new model or a reliable used vehicle, we have flexible financing options to fit your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $273,626,903 provide the capital needed to grow and expand your business. Whether you're looking for working capital or funding for new equipment, we have solutions that can help you thrive.

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. These loans are designed to help you secure the home of your dreams while enjoying competitive interest rates.

Refinancing Options

If you're considering refinancing any existing loans or are curious about eligibility options, our team is here to guide you through the process. We strive to ensure that each member receives personalized service and support tailored to their unique situation. For more information or if you have questions about our loan offerings, feel free to call us at 858-495-1600. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us today and take the first step towards achieving your financial goals!

Unsecured Credit Card Loans

We also provide flexible terms on unsecured credit card loans, with a total of $81,737,644 helping our members manage their finances effectively. These cards offer an excellent way to build credit while enjoying rewards and benefits tailored to your spending habits.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment to transparency ensures that users receive fair and accurate loan offers.