Membership & Benefits

Join Cal Coast and Live a More Prosperous Life 

Becoming a member of Cal Coast Credit Union is easy and rewarding. If you live or work anywhere in San Diego or Riverside counties, we welcome you to join today by opening an account or applying for a loan - it's that easy!

Benefits Far Beyond Banking 

Being a part of Cal Coast doesn't just mean incredible rates on loans, mortgages and credit cards - it's receiving unparalleled service every time you call our member service center or walk into a branch, it's access to free personalized financial coaching - it's opening the doors to a world of perks and benefits for your personal and professional life. There's nothing more fulfilling than joining a community of like-minded people that value education, living comfortably and giving back. 

Member Perks

From loyalty rewards to personalized financial advise to sweepstakes, being a Cal Coast member is a no-brainer. 

Loyalty Program

Earn Loyalty Rewards
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From the moment you become a Cal Coast member, you start to build up loyalty rewards points! 

  • Earn points automatically as soon as you become a member
  • Gain points for using products/services, opening accounts, etc.
  • Redeem points as you wish!

Financial Wellness

Financial Workshops
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From one-on-one coaching to monthly webinars, Cal Coast works hard to provide constant and valuable financial wellness programs and education for our members and the community. 

Referral Program

Coast into Cash
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Refer a friend, family member or co-worker to Cal Coast and we'll reward you in the form of cash!

  • Refer a friend
  • Referral becomes a member
  • Both get rewarded

Online & Mobile Banking

Online & Mobile Banking
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We're all about providing you with convenient and remote access to your accounts, wherever you are. 

Member Referral Program

Earn up to $500 per year!

Get rewarded for sharing Cal Coast with your friends and family. For every successful referral, you'll get $50 and they'll get $50! It only takes a few seconds to refer and your friends can sign up online in minutes.1

About Us

Cal Coast Cares Foundation

In 2023, the Cal Coast Cares Foundation provided over $160,000 in scholarships to deserving college students, graduating high school seniors and foster students who are in, or have been in, the foster care program in San Diego or Riverside counties to pursue accredited degrees. The Foundation also supports local educators through grants for classroom projects. 

Membership and credit subject to approval. Serving everyone who lives or works in San Diego or Riverside counties. A one-time $5 membership fee and savings account required. Cannot be combined with any other offer. Restrictions apply.

1. Referring members can earn up to a maximum of $500 in referral bonuses per calendar year. Referring members must be at least 18 or older to participate in the Coast into Cash referral program. Up to $150 maximum referral bonus will be deposited into the referring member’s savings account when the new member’s qualifying accounts are opened/loan is funded; $50 paid when new member’s qualifying accounts are opened, $25 paid if new member funds an auto loan within the first 30 days, and an additional $75 paid if new member funds a home loan within the first 120 days. Excludes credit cards and lines of credit. Any party involved in connection with the real estate transaction, including Real Estate agents, are not eligible for this offer. New members must be at least 13 or older to qualify as a referral in the program. Ages 13 through 15 require a parent or guardian to be joint on the account. Savings account required. Requires a minimum opening deposit of $50 in a savings or checking account and a minimum balance of $50 must be maintained until dividend bonus is paid. One-time $50 dividend bonus paid into new member savings account when qualifying accounts are opened/loan is funded. Qualifying accounts must be opened within 30 days of membership date to be eligible for the $50 dividend bonus. Additional $75 dividend bonus paid when real estate loan funds within the first 120 days. Requires a minimum deposit balance of $50 in a savings or checking account. Bonus subject to tax reporting. The recipient is responsible for any federal, state or local taxes on this offer. Limited time offer; program subject to change without notice. Membership and credit subject to approval. Serving everyone who lives or works in San Diego or Riverside counties. A one-time $5 membership fee and savings account required. Cannot be combined with any other offer. Some restrictions apply. New member eligible for one $50 incentive.

Don't be a stranger, we're your neighbor

Have a question about your account, applying for a loan or perhaps you're ready to talk refinancing? Whatever your question or need, our Member Service Center is always happily available to walk you through every step of the process with your best interest at heart. 

Not a Cal Coast member? Join now or learn more

We look forward to hearing from you!

Are you an existing member?
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