Cal Coast and SDCCU Intent to Merge
By joining forces, these two financially sound, community-focused credit unions aim to better support our members and create greater impact across the communities we serve.
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United for a Stronger Future
More Access
Enjoy expanded branch and ATM locations across Southern California.
Upgraded Tools
Innovative financial solutions and upgraded digital tools powered by combined expertise.
Community Impact
Greater support for local nonprofits and financial literacy initiatives.
Everything we do starts with our members
At Cal Coast Credit Union, everything we do starts with our members. This partnership with SDCCU is about ensuring you have even more ways to thrive, while keeping the service and care you’ve always trusted.
For you, this means easier access, smarter solutions, and deeper community impact across Southern California. Thank you for being part of Cal Coast. We look forward to the road ahead, together.
Todd Lane
CEO, Cal Coast Credit Union
What you need to know
Nothing is changing right now. You can continue banking as usual while we work through approvals. We’ll notify you in advance of any changes and update this FAQ section with new information as it becomes available.
General FAQs
Absolutely. The Board of Directors of both institutions enthusiastically support the merger and are excited about the opportunities it brings for growth and enhanced benefits for everyone involved.
Not at all. We are excited to welcome new employees to the organization and the same familiar faces will be at your local branch.
By joining forces with SDCCU, the partnership will bring exciting opportunities including:
• Members will benefit from more branch and ATM locations across Southern California.
• The two organizations combined can achieve more than either of us could do on our own.
For now, it’s business as usual! Members will continue to access their accounts, use their checks, and enjoy the same friendly service they’re used to at both credit unions.
As we move forward with the merger, some enhancements will roll out over time. We’ll keep you informed every step of the way, ensuring any updates are shared well in advance. Rest assured, our commitment to exceptional service and putting members first remains our top priority.
This merger is a strategic partnership with two like-minded, financially sound and local credit unions. Pending regulatory and Cal Coast member approval, this merger will change the financial landscape in Southern California for the better!
For now, it’s business as usual! Please continue to use your accounts as you normally do. You can visit www.sdccu.com/merger for any information regarding SDCCU accountholders. Additionally, as you are a Cal Coast member, please visit their site at www.calcoastcu.org/merger for up-to-date information.
Strategic mergers offer the unique opportunity to combine our strengths, expand our impact, and offer our members more locations and leverage our size to enhance resources and develop innovative financial products and services.
Yes, member deposits will continue to be federally insured by the National Credit Union Share Insurance Fund (NCUSIF). For information regarding the insurance fund, as well as a calculator to help determine your coverage, you may visit: www.mycreditunion.gov/estimator.
Your funds in your account are insured by the National Credit Union Administration (NCUA) up to $250,000 per account, and in some cases more, due to vesting. If you have more funds than that combined, you may consider opening accounts with different ownership categories such as a single account, or a joint ownership account, and distribute your funds across each appropriately.
While there should be no effect on your debit or credit card, or your accounts in general for that matter, there is plenty of time before our systems are integrated. First, we still need regulatory approval and Cal Coast members must consent to the merger. We don’t anticipate system integration until late 2026, and into 2027. Both credit union’s members will be kept informed along the way. As a Cal Coast member, you can visit calcoastcu.org/merger to receive up to date information related to our integration process.
Merger Process
We’re committed to keeping you informed along the way. As the process continues, please refer to this special merger page for important notices, dates, and events.
This is a scam, and neither credit unions will send you a text regarding this information. You should go to our respective websites www.sdccu.com/merger or www.calcoastcu.org/merger to find the most recent information. As always, you must be diligent and take steps to protect yourself from scams.
Neither credit union will ask you for your username and/or password, your card CVV number, account PINS, login credentials, or other sensitive account information. You must always think twice before giving someone your personal credentials. Fraudsters frequently use tactics to try and trick the unsuspecting victim into thinking they are really communicating with the credit union. When in doubt, DELETE AND REPORT JUNK, HANG UP, and/or NEVER CLICK unsolicited texts, calls, or emails. You can always contact the credit union’s main number to ask if the request is truly coming from a legitimate source.
No employees will lose their job due to this merger, and credit union management is focused on retaining and supporting us all. This strategic partnership brings exciting opportunities for the employees. Both organizations are committed to maintaining a workplace that rewards, recognizes and supports the organization.
Both credit unions will operate independently until the legal merger date, which is anticipated to be in early 2026. At which point, the credit union will retain the California Coast Credit Union name and Todd Lane, the President/CEO of Cal Coast CU, will become the President/CEO of the combined credit union.
Questions?
Share questions and comments with us below, and we’ll make sure they are addressed in upcoming updates.
