Central Coast Federal Credit Union
Our records indicate that this credit union has been acquired by WESCOM CENTRAL.
Headquarters
4242 Gigling Road
Seaside, CA 93955
See all branch locations →
2024 Overview
General Credit Union Information
Central Coast is an NCUA insured institution located in Seaside, CA. It was founded in 1961 and has approximately $172.11 millions in assets.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 14455 |
| Date Established | 1961 |
| Assets | $172.11 million |
| Loans | $105.70 million |
| Deposits | $166.43 million |
| Capital | $11.76 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 - November 19, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.02% | $2,500 | $4,999 |
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|
|
Money Market
|
0.03% | $2,500 | $2,999 |
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|
|
Money Market
|
0.05% | $10,000 | $14,999 |
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|
|
Money Market
|
0.10% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 12 Mo CD
|
0.35% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.35% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.45% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.45% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.76% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.76% | $100,000 | $199,999 |
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|
Loan Rates - November 19, 2024
Your Current Location: Ohio, OH 43085
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 - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 2578474 |
6.596% | 6.500% | 0.63 | $3,210 | $2,023 | Learn More |
NMLS ID: 1025894 |
6.869% | 6.750% | 1.00 | $3,897 | $2,076 | Learn More |
NMLS ID: 3030 |
7.325% | 7.250% | 0.75 | $2,400 | $2,183 | Learn More |
NMLS ID: 1907 |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.240 % After Intro: 7.240 % |
$0 |
Learn More
More Info |
Achieve Loans See Table |
Intro APR 9.250 % After Intro: 9.250 % |
$0 |
Learn More
More Info |
Note to Central Coast
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Branches
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.
Your Location:
Columbus,Ohio
Central Coast Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 2037.69 | A | View Lobby Hours | |
| 2061.54 | B | View Lobby Hours | |
| 2069.67 | C | View Lobby Hours |
Climate Policy and Initiatives
CENTRAL COAST is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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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 |
|---|---|
| 15.19% | 5.83 |
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 June 30, 2024, Central Coast had $1,855,563 in non-current loans and $8,000 in owned assets. To cover these potential losses it had $11,758,274 in net worth and $512,747 in loans loss reserves. That gives it a Texas Ratio of 15.19%.
Net Worth
| Central Coast | U.S. Average |
|---|---|
| 6.82% | 13.93% |
Central Coast FCU has a net worth of 6.82% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Central Coast
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