Coast Central CU

What Coast Central CU does

Coast Central Credit Union is a member-owned, not-for-profit financial cooperative founded in 1950 and headquartered in Eureka, California. It serves consumers, small-to-medium businesses, non-profits, and economically underserved communities across Humboldt, Del Norte, and Trinity counties through 11 Member Services Branches, a digital banking platform (online portal and iOS/Android mobile app), and a 30,000+ ATM CO-OP surcharge-free network. As of early-to-mid 2026 the institution reports over $2.3 billion in total assets and more than 81,000 members.

The product portfolio spans consumer and commercial banking: tiered checking (Basic, Interest, Simple, Primetime), savings and certificates, multiple IRAs and HSAs, Visa credit cards (Classic, Platinum, First) and debit cards, mortgages (fixed, ARM, jumbo, construction), home equity loans/HELOCs, auto and boat/RV loans, personal loans and lines of credit, and a Business suite including SBA 7(a) loans and merchant services. Investment and wealth services are delivered through partnerships with Access Softek/DriveWealth (EasyVest robo-advisor) and LPL Financial (Wealth Management). Insurance referrals are routed through TruStage. The digital experience includes mobile check deposit, Card Control (alerts/limits/suspend), person-to-person payments, and Apple/Google/Samsung Pay wallet integration.

The revenue model is dominated by net interest income from mortgage, auto, consumer, and business loans, supplemented by deposit-related fees (checking service fees, with ~80% of Basic Checking members fee-waived), Visa credit-card interest and interchange, SBA loan origination, and referral commissions from TruStage insurance and LPL Financial wealth management. Distribution relies on a hybrid motion of physical branches, direct sales teams (6-person mortgage team, 3-person Business Services unit, 2-person wealth team), community sponsorships of 200+ local organizations, school-based financial education through the Practical Money Skills program, and digital self-service. The institution holds CDFI certification and Bank On Certified 2025 status, positioning it within the community-development lending segment.

Name

Coast Central CU

Legal name

Coast Central Credit Union

Website

https://coastccu.org

Company type

Private

Founded year

1950

Operating status

Operating

Headcount range

101–250 employees

Short description

Coast Central Credit Union is a member-owned, CDFI-certified financial cooperative founded in 1950, serving over 81,000 consumers, small businesses, and non-profits across Humboldt, Del Norte, and Trinity counties in Northern California with 11 branches, $2.3B+ in assets, and a full suite of lending, deposit, and wealth products.

Ownership category

akta.pro rank

Product category

Retail Banking (Credit Union)

NAICS

Credit Unions (52213), Credit Unions (522130)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

Keywords

• Retail banking services
• Consumer lending products
• Business banking solutions
• Credit union services
• Mortgage and loan financing

Headquarters

HQ city

Eureka

HQ country

United States

HQ region

North America

Offices12 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Interest Income from Loans: Primary revenue source from interest charged on mortgage loans, auto loans, boat/RV loans, personal loans, credit cards, home equity loans/lines of credit, and business loans including SBA loans
2. Checking Account Fees: Monthly service fees on checking accounts ($5 for Basic, $8 for Interest, $3 for Simple Checking) that can be waived based on qualifying criteria
3. Credit Card Fees: Annual percentage rates and fees associated with Visa credit cards including Classic, Platinum, First, and Business cards
4. Dividend Interest on Deposits: Interest paid to members on savings, checking, and certificate accounts from the credit union's earnings
5. TruStage Insurance Referrals: Commission revenue from referring members to TruStage for auto, home, and debt protection insurance products
6. LPL Financial Wealth Management Referrals: Referral fees from LPL Financial for investment and wealth management services offered to members

Pricing tiers

Go-to-market motion2 records

Distribution channels10 records

Marketing channels9 records

Core offering

Coast Central Credit Union is a member-owned financial cooperative providing retail and commercial banking products to consumers and small businesses in Northern California's Humboldt, Del Norte, and Trinity counties. Its offerings span deposit products (checking, savings, IRAs, certificates), consumer lending (mortgages, auto, boat/RV, home equity, personal loans), credit cards (Visa Classic/Platinum/First), business banking (checking, SBA 7(a) loans, merchant services), digital banking (mobile app, online banking, Card Control, digital wallets), and investment services (EasyVest robo-advisor, LPL Financial wealth management). The credit union operates 11 branches and a 30,000+ ATM CO-OP network, supported by NCUA federal insurance and CDFI certification.

Product overview

Coast Central Credit Union offers a comprehensive suite of financial products and services organized into personal banking, business banking, and digital banking channels. The personal banking portfolio includes multiple checking account tiers (Basic, Interest, Simple, Primetime), savings accounts (Membership Savings, Liquid Assets, Holiday Club, Youth Savings), and Savings Certificates with terms from 90 days to 60 months. Retirement products include Traditional IRA, Roth IRA, SEP IRA, Education ESA, and Health Savings Account. Credit products span Visa credit cards (Classic, Platinum, First), Visa Debit Cards with multiple design options, and Prepaid MasterCards. Lending products include fixed-rate and adjustable-rate mortgages (with a current no-origination-fee promotion), home equity loans and lines of credit, auto loans, boat/RV loans, and personal loans. The business banking suite offers business checking, savings, credit cards, debit cards, commercial loans, SBA 7(a) loans, and merchant services. Digital banking capabilities are delivered through Online Banking, Mobile Banking App (iOS/Android), Card Control, and Digital Wallets (Apple Pay, Google Pay, Samsung Pay). Investment services are provided via EasyVest (YourChoice and Automated Advisor) in partnership with DriveWealth/Access Softek, and Wealth Management through LPL Financial. Insurance products include Debt Protection and TruStage auto/home insurance. The credit union also supports the community through grants, sponsorships, college scholarships, and financial education via Practical Money Skills.

Differentiator

Problem solved

Functional benefit

Brands

• EasyVest: Robo-advisor investment service provided in partnership with Access Softek Advisory Services and DriveWealth for automated investment management.
• Coast Central Wealth Management

Products and services

• Basic Checking Standard personal checking account with $50 minimum opening deposit, $5 monthly service fee waivable through qualifying activities, unlimited check writing, and CheckFlash mobile deposit. Approximately 80% of members pay no fees through e-statements, direct deposit, minimum balance, loan relationship, or age 60+ waivers.
• Interest Checking Interest-earning personal checking account for members with larger balances, featuring $8 monthly service fee waivable with $5,000 combined balances or direct deposit.
• Simple Checking Checking account for members with prior checking issues or those establishing their first checking account, with lowest monthly fee at $3 which cannot be waived.
• Primetime Checking Checking account for members age 60 or older offering $0 monthly service fee, free box of standard checks, 3 free cashier's checks per month, and $20 safe deposit box discount.
• Membership Savings Required savings account for credit union membership with $25 minimum opening deposit. Earns quarterly dividends at 1.16% APY on balances of $100+. The $25 balance represents the member ownership share.
• Liquid Assets (Liquid Savings) High-dividend savings account with monthly dividend payments. Rates range from 0.75% APY for $0-$9,999 balances up to 1.51% APY for balances of $75,000 and above.
• Holiday Club Savings Savings account for holiday planning with automatic monthly transfers from other Coast Central accounts, with balance transferring to checking prior to holidays for spending.
• Youth Savings Savings account for members under age 18 with $5 minimum opening balance. Includes Kirby Kangaroo Club for ages 12 and under and GreenTeen$ program for ages 13-17. Earns quarterly interest.
• Savings Certificates Certificate of deposit accounts with terms from 90 days to 60 months and minimum opening balance of $500. Rates range from 2.53% APY for 90-181 day terms up to 3.82% APY for 60-month terms.
• Traditional IRA Individual Retirement Account with tax-deductible contributions and tax-deferred earnings. Early withdrawal penalty applies before age 59.5.
• Roth IRA Individual Retirement Account featuring tax-free earnings and withdrawals. Contributions are not tax-deductible but qualified withdrawals are tax-free.
• SEP IRA Simplified Employee Pension IRA for sole proprietors and small business owners to provide retirement benefits to employees.
• Education IRA (Coverdell ESA) Coverdell Education Savings Account for saving for education expenses. Beneficiary must be a minor with tax-free distributions for qualified education expenses.
• Health Savings Account (HSA) Tax-advantaged account for medical expenses, available with $25 minimum opening deposit. Employers can also offer HSAs for their employees.
• Classic Visa Credit Card Entry-level credit card with limits starting at $500. Earns 1 point per dollar spent and 1.5 points for restaurants, fuel, and travel. Fixed APR starting at 15.70%.
• Platinum Visa Credit Card Premium credit card with higher limits starting at $5,000, lower interest rates, free Purchase Security insuring most items for 90 days against theft, fire, and damage. Earns 2 points per dollar for restaurants, fuel, and travel. Variable APR starting at 9.70%.
• First Visa Credit Card Credit card for those with no or limited credit history, requiring 6 months of employment history. Maximum limit of $1,000. Designed for credit-building consumers.
• Visa Debit Card Debit card with multiple design options (Del Norte Forest, Humboldt Ocean, Trinity Mountains, Gradient, Dots) accepted wherever Visa is accepted. Features include 30,000+ surcharge-free ATMs, mobile deposits, and Visa Secure Remote Commerce.
• Fixed-Rate Mortgage Mortgage loans with fixed rates for 15 and 30-year terms available for owner-occupied and non-owner occupied properties. Down payments as low as 3-5% for owner-occupied homes. Currently offering no origination fee promotion (up to $1,200 savings).
• Adjustable-Rate Mortgage (ARM) Adjustable rate mortgages including 3/1, 5/1, and 7/1 ARM options with lifetime cap of 6% over original rate. Up to 30 years financing with no points.
• Jumbo Mortgage Mortgage loans exceeding conforming loan limits for higher-value properties. Based on $900,000 loan amount example.
• Home Construction Loan Construction financing up to 80% of appraised value not exceeding 100% of cost to build. Features $400 upfront application fee, $1,500 origination fee, and 2 points.
• Home Equity Loan Closed-ended loan for major projects with fixed rates. Offers 10 and 15-year terms, single disbursement, and up to $300,000. Current rate as low as 6.500% (15-year fixed).
• Home Equity Line of Credit (HELOC) Open-ended revolving credit line for ongoing projects with variable rates. Up to 80% of appraised value, lifetime cap of 6% over original rate, maximum loan of $300,000. Current promotional rate of 3.75% APR for 9 months for primary residence with $25,000 minimum draw.
• Auto Loan New and used vehicle financing with fixed rates as low as 5.24% APR. Financing up to 135% of MSRP plus GAP for 2022 models or newer, with terms up to 84 months. Partners with local dealerships including BMW of Humboldt Bay, Northwood Hyundai, McCrea Nissan, and others.
• Boat & RV Loan Financing for boats and recreational vehicles with up to 100% of approved value including tax and license. Fixed rates with terms up to 10 years.
• Personal Loan Unsecured loans for various needs including moving expenses, home repairs, vacations, education, and medical expenses. Rate as low as 12.00% APR with maximum loan of $50,000 and terms up to 5 years.
• Signature Line of Credit Revolving credit line for emergencies or smaller projects with borrow up to $50,000 and low variable rates.
• Online Banking Web-based banking platform providing 24/7 account access, bill pay, fund transfers, e-statements, e-notices, e-alerts, and CheckFlash mobile check deposit.
• Mobile Banking App Free smartphone and tablet app for iPhone (iOS) and Android providing on-the-go access to check balances, pay bills, deposit checks, transfer funds, view e-statements, receive alerts, and manage card controls.
• EasyVest YourChoice Self-directed investment option with $250 minimum starting investment. Enables custom investment selection, real-time stock trading, and fractional share investments through Coast Central's online and mobile banking.
• EasyVest Automated Advisor Robo-advisor investment service with $25 minimum starting investment. Provides customized investment strategies based on goals, automatic portfolio rebalancing, and live market data analysis.
• Wealth Management Financial advisory services provided through LPL Financial for retirement planning, investment management, business retirement plans, and estate planning for credit union members.
• Digital Wallets (Apple Pay, Google Pay, Samsung Pay) Mobile payment services including Apple Pay (iPhone 6+, Apple Watch), Google Pay (Android 5.0+, iOS 7+), and Samsung Pay (Galaxy S6+). Accepts contactless payments at millions of merchants worldwide.
• Business Checking Business checking accounts with low opening balances and fee waiver options. Supports multiple employee cards and expense tracking for local businesses.
• Business Savings Business savings accounts for accumulating funds and managing business finances separately from personal accounts.
• Business Visa Credit Card Credit cards for businesses with enhanced security, better rewards, and flexibility. Available with Visa Signature Business benefits including travel accident, trip cancellation, cell phone protection, and hotel theft protection. Supports Tap-to-Pay contactless payments. Mass-reissued in March 2026.
• Business Visa Debit Card Debit cards for business owners and employees with multiple cards available. Features enhanced security and expense tracking capabilities. Mass-reissued in March 2026.
• Business Loans & Lines of Credit Customized commercial loan packages designed by the Business Services team for various business financing needs.
• SBA 7(a) Loan Small Business Administration loans with SBA guarantee (75-90%), reducing lender risk. Features lower down payments, longer repayment terms (up to 25 years for real estate), lower collateral requirements, and competitive rates without balloon payments. Can fund CRE purchases, debt refinancing, construction, business expansion, inventory, franchises, equipment, acquisitions, working capital, and startups.
• Merchant Services Payment processing services for businesses to accept debit and credit card payments from customers.
• Trust Accounts Accounts allowing beneficiaries to be named, providing for family financial security in case of tragedy.
• TruStage Auto & Home Insurance Auto and home insurance products offered through TruStage Insurance Agency with member discounts. Includes 24/7 claims service.
• Debt Protection Payment protection covering life, terminal illness, accidental dismemberment, hospitalization, family medical leave, loss of life of a dependent, disability, and involuntary unemployment. Offered through TruStage.
• Solar Loans Loans supporting solar energy efforts for home energy-efficient upgrades.
• Prepaid MasterCard Prepaid card for travel safety and budgeting. Available for gift-giving with online balance management. Accepted wherever MasterCard is accepted worldwide.

Quantifiable outcome

• 80% of Basic Checking members pay no monthly fees by meeting qualifying criteria
• +4 more outcomes

Named customers10 records

Segments7 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

AI capability1 record

Feature5 records

Partnerships

Ten partnerships are on record, tiered minor and core.

• Walk to End Alzheimer's - Humboldt CountyminorGTM or Marketing Partner · 7 June 2026Coast Central Credit Union sponsors the Walk to End Alzheimer's event in Humboldt County as a Tier III Kids Zone sponsor. This reflects the credit union's commitment to community health initiatives and local causes.
• StartUp Humboldt CompetitioncoreGTM or Marketing Partner · 15 January 2026$25,000 sponsorship of StartUp Humboldt Competition, an innovation hub investing $200,000 in high-potential startups with milestone-based funding, expert mentorship, and business training. Consortium includes Cal Poly Humboldt, College of the Redwoods, Norcal SBDC, and other regional partners.
• Access Softek Advisory Services, LLCcoreTechnology or IntegrationProvider of EasyVest robo-advisor investment service. Access Softek is a registered investment advisor providing the technology platform for Coast Central's investment offerings through Online Banking and Mobile Banking App.
• DriveWealth LLCcoreTechnology or IntegrationRegistered broker-dealer providing the trading infrastructure for EasyVest investment services, enabling real-time stock trading and fractional share investments for Coast Central members.
• TruStagecoreGTM or Marketing PartnerTruStage provides auto, home, and debt protection insurance products to Coast Central members. TruStage offers 24/7 claim service, online services, and member discounts on insurance products.
• LPL FinancialcoreStrategic or Co-development PartnerRegistered investment advisor and broker-dealer providing wealth management services through Coast Central Wealth Management. LPL Financial advisors Mark Alan Gorge and Reed Nichols offer financial planning, investment management, and retirement planning services to members.
• Shred AwareminorGTM or Marketing PartnerShred Aware provides secure on-site document shredding services for Coast Central's Free Member Shred Days held at 6-8 locations each year, some twice per year.
• Local Auto Dealerships NetworkcoreChannel Partner/ Reseller/ DistributorNetwork of local dealerships including BMW of Humboldt Bay, Northwood Hyundai, McCrea Nissan, McCrea Subaru, Harper Motors, and others in Brookings OR, Crescent City, Eureka, Fortuna, and McKinleyville for auto loan financing partnerships.
• StartUp Humboldt ConsortiumcoreStrategic or Co-development PartnerInnovation hub consortium including Cal Poly Humboldt, College of the Redwoods, Norcal SBDC, North Coast SBDC, Institute for Entrepreneurship Education, BlueTech Valley, and Lost Coast Ventures.
• Practical Money Skills (Visa)minorGTM or Marketing PartnerPartnership with Visa's Practical Money Skills program providing comprehensive financial literacy resources, digital courses, and educational materials for members and the community.

Scale indicators19 records

Recent moves6 records

Expansion highlights5 records

Market position

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/coastcentral
• Instagraminstagram.com/coastccu

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles16 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Coast Central CU