Seaside, CA 93955
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.02% 1.60% →
1-Year CD 0.35% 1.55% →
2-Year CD 0.45% 1.45% →
5-Year CD N.A. 1.66% →
30-Year Mortgage N.A. 3.08% →
15-Year Mortgage N.A. 2.65% →
HELOC N.A. 2.77% →

2020 Overview

General Credit Union Information

Central Coast is an NCUA insured institution located in Seaside, CA. It was founded in 1961 and has approximately $145.66 millions in assets.

NCUA Insured Yes
Charter Number # # 14455
Date Established 1961
Assets $145.66 million
Loans $74.85 million
Deposits $131.89 million
Capital $12.87 million

Field of Membership Restrictions

Membership is open to those who live, worship, attend school or work in Monterey County, California and to parents of any student attending university in Monterey County.

Deposit Rates - May 31, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.02% $100 $9,999 Learn More
Money Market
0.03% $2,500 $9,999 Learn More
Money Market
0.05% $10,000 $24,999 Learn More
Money Market
0.10% $25,000 - Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.15% $1,000 - Learn More
12 Mo CD
0.35% $1,000 - Learn More
24 Mo CD
0.45% $5,000 - Learn More
36 Mo CD
0.76% $5,000 - Learn More
Variable IRA Rates APY MIN MAX
0.30% $100 - Learn MoreShow Less

Loan Rates - May 31, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for CENTRAL COAST

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.114% 3.990% 1.00 $3,750 $1,193 Learn More
Rocket Mortgage
NMLS ID: 3030
3.998% 3.875% 1.00 $3,750 $1,176 Learn More
NMLS ID: 2890
License#: MC-3098
2.952% 2.875% 1.00 $2,485 $1,038 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info

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Below are Central Coast branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Central Coast Locations

Financial Details

Central Coast Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Central Coast. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Central Coast U.S. Average
12.19% 5.92

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of September 30, 2019, Central Coast had $1,540,819 in non-current loans and $106,457 in owned assets. To cover these potential losses it had $12,867,508 in net worth and $643,246 in loans loss reserves. That gives it a Texas Ratio of 12.19%.

Net Worth
Central Coast U.S. Average
8.83% 13.86%

Central Coast FCU has a net worth of 8.83% versus the BestCashCow average of 13.86. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Central Coast

Branches and Savings

What is Central Coast?

A federal credit union, registered with the NCUA under certificate #14455.
Learn more about credit unions here.

Is Central Coast FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Central Coast?

Please see Field of Membership information above for information on who is eligible to join.

What are Central Coast's share account and share certificate rates?

Central Coast's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Central Coast?

Central Coast has total capital of $12.87 million. Full information on Central Coast's financial position is located above.

Who owns Central Coast?

Credit Unions are owned by their members.

Where are Central Coast branches located?

See branch locations nearby.

Are Central Coast ATMs Open 24/7?

Do Central Coast ATMs accept cash deposits?

Can Central Coast customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Central Coast have a mobile app?

Does Central Coast have mobile deposit?

Does Central Coast have quick pay?

How can Central Coast transfer money to other banks or credit unions?

Does Central Coast report to credit bureaus?

Does Central Coast use Chexsystems?

Does Central Coast use Equifax?

What is Central Coast's toll free phone number?

What is Central Coast's ACH Routing Number?

What is Central Coast's SWIFT code?

Where can I find Central Coast's wire transfer form?

What is the Central Coast address for deposits?

What Products Does Central Coast Offer

Does Central Coast offer mortgages?

Compare mortgage rates here.

Does Central Coast offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Central Coast offer auto and RV loans?

Compare auto loan rates here.

Does Central Coast offer student loans or personal loans?

Compare personal loan rates here.

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