Coast Central Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, Coast Central Credit Union's highest tracked CD (share certificate) rate is 4.33% APY on a 60-month CD ($500 minimum). That is 3.1 times the FDIC national average for 60-month CDs (1.41%). Standard CD rates range from 3.30% to 4.33% APY.
Tracking began .
Coast Central Credit Union CD & share certificate rates
Membership required. Savings certificates from 90 days to 60 months, starting at $500; term ranges are shown at their lower bound. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 90 days | Savings Certificate | $10,000same APY in 2 balance tiers | 3.30% | −0.99% | Verified October 22, 2026 |
| 182 days | Savings Certificate | $500same APY in 3 balance tiers | 3.56% | −0.84% | Verified October 22, 2026 |
| 12 months | Savings Certificate | $500same APY in 3 balance tiers | 3.82% | −0.75% | Top 35% of tracked 12-month CDs · Verified October 22, 2026 |
| 24 months | Savings Certificate | $500same APY in 3 balance tiers | 3.92% | −0.95% | Top 27% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | Savings Certificate | $500same APY in 3 balance tiers | 4.02% | −0.93% | Top 17% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | Savings Certificate | $500same APY in 3 balance tiers | 4.18% | −0.80% | Top 11% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | Savings Certificate | $500same APY in 3 balance tiers | 4.33% | −0.68% | Top 10% of tracked 60-month CDs · Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Coast Central Credit Union's best CD rates by term?
Coast Central Credit Union's best rate is 4.33% APY on 60 months, verified October 22, 2026.
- 90 days3.30%
- 182 days3.56%
- 12 mo3.82%
- 24 mo3.92%
- 36 mo4.02%
- 48 mo4.18%
- 60 mo4.33%
How much interest could a Coast Central Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$2,360.78 interest · $12,360.78 at maturity on $10,000.00.
4.33% APY · 60 months · Savings Certificate · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 90 days | Not estimated | $80.383.30% APY · Savings Certificate · Standard | $200.943.30% APY · Savings Certificate · Standard | $401.893.30% APY · Savings Certificate · Standard |
| 182 days | $87.983.56% APY · Savings Certificate · Standard | $175.963.56% APY · Savings Certificate · Standard | $439.893.56% APY · Savings Certificate · Standard | $879.783.56% APY · Savings Certificate · Standard |
| 12 months | $191.003.82% APY · Savings Certificate · Standard | $382.003.82% APY · Savings Certificate · Standard | $955.003.82% APY · Savings Certificate · Standard | $1,910.003.82% APY · Savings Certificate · Standard |
| 24 months | $399.683.92% APY · Savings Certificate · Standard | $799.373.92% APY · Savings Certificate · Standard | $1,998.423.92% APY · Savings Certificate · Standard | $3,996.833.92% APY · Savings Certificate · Standard |
| 36 months | $627.574.02% APY · Savings Certificate · Standard | $1,255.134.02% APY · Savings Certificate · Standard | $3,137.834.02% APY · Savings Certificate · Standard | $6,275.654.02% APY · Savings Certificate · Standard |
| 48 months | $889.894.18% APY · Savings Certificate · Standard | $1,779.794.18% APY · Savings Certificate · Standard | $4,449.474.18% APY · Savings Certificate · Standard | $8,898.934.18% APY · Savings Certificate · Standard |
| 60 months | $1,180.394.33% APY · Savings Certificate · Standard | $2,360.784.33% APY · Savings Certificate · Standard | $5,901.964.33% APY · Savings Certificate · Standard | $11,803.924.33% APY · Savings Certificate · Standard |
How Coast Central Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 1825-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 35 of 332 tracked institutions with fresh 1825-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Coast Central Credit Union (this institution)Savings Certificate · Standard | 60 months | $500 | Membership required · branches in CA | 4.33% | October 22, 2026 |
| Popular DirectCD · Standard | 60 months | $10,000 | Available nationwide | 5.00% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 60 months | Not stated | Available nationwide | 4.80% | October 22, 2026 |
| BarclaysOnline CD · Standard | 60 months | Not stated | Available nationwide | 4.75% | October 22, 2026 |
| Tower Federal Credit Union (highest tracked APY for this term)Mini-Jumbo Share Certificate · Standard | 60 months | $20,000 | Membership required · branches in MD | 5.05% | October 22, 2026 |
| Treasury (APY-equivalent) | 60 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 5.01% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Coast Central Credit Union on October 22, 2026.
About Coast Central Credit Union
- Legal name
- Coast Central Credit Union
- Regulator ID
- NCUA 62367
- Headquarters
- Eureka, CA
- Available in
- CA
- Total assets
- $2.3 billion
- Also known as
- Website
- www.coastccu.org
Source: rates read from https://www.coastccu.org/savings-certificates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Coast Central Credit Union?
Among the rates we track, 4.33% APY on a 60-month CD, as of October 22, 2026.
What is the minimum deposit for a Coast Central Credit Union CD?
The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $75,000.
How does Coast Central Credit Union's best CD rate compare with Treasury yields?
4.33% APY is −0.68% versus the 60-month Treasury yield of 5.01% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.33% a good CD rate?
It is 3.1 times the FDIC national average for a similar term (1.41% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Coast Central Credit Union CDs insured?
Coast Central Credit Union is a federally insured credit union (NCUA 62367). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Coast Central Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check Coast Central Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from Coast Central Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Coast Central Credit Union before opening an account. This page is not financial advice.