EARN 3.50% APY¹

Pick your term: 11- or 15-Month Certificates

Celebrate with the freedom to choose your term. Whether you’re managing personal savings or thinking ahead, it’s a better way to save with flexible short-term options and a fixed rate.

No Maximum Limit

Start with a minimum $10,000 to earn 3.50% APY.

Short-Term

Short-term commitment with reliable returns.

Safe and Secure

Your money is protected up to at least $250,000 by NCUA.

	11-Month Certificate	15-Month Certificate
Minimum Balance	$10,000 required to earn APY	$10,000 required to earn APY
Starting Deposit Example	$50,000	$50,000
Value at Maturity	$51,601.86	$52,196.99
Total Dividends Earned	$1,601.86	$2,196.99
APY	3.50%	3.50%
Best Benefit	Quick turnaround with strong yield	Extra months = more dividends earned
Term Length	Short-term, fast maturity	Longer term for more growth
Risk Level	None - fixed return	None - fixed return
Ideal For	Parking liquid funds you won't need immediately	Savers seeking higher return without long-term commitment
	Open Now	Open Now

Must meet membership and account eligibility requirements, including a one-time $5 membership fee.

1. APY = Annual Percentage Yield and are accurate as of 06/01/26. The minimum balance required to open and earn stated APY is $10,000. The Annual Percentage Yield assumes dividends will remain in the account until maturity. Early withdrawal penalty applies. Fees could reduce earnings. Offer excludes individual retirement accounts. At maturity, the promotional 11-and 15-Month Certificate automatically renews into a standard 12‑Month Certificate at the prevailing rate; credited dividends become part of principal. Limited-time offer. Cannot be combined with any other offer. Subject to change without notice. Other restrictions may apply.

2. Referring members can earn up to a maximum of $500 in referral bonuses per calendar year. Bonus payments are subject to tax. Additional restrictions apply. Learn more at calcoastcu.org/refer.

3. Direct Deposit may be credited up to 2 business days prior to the designated payment date if provided by the payer. Actual deposit date is not guaranteed.

4. Minimum opening balance of $25. Maintenance fee of $3.75 charged monthly. Applicant must be at least 18 years of age to open an account. Identity theft insurance is underwritten by Lyndon Southern Insurance Company, a member of the Fortegra family of companies. Insurance products are not federally insured, are not obligations of, or guaranteed by the credit union. The information provided is a program summary. Please refer to the Identity Theft Expense Reimbursement Evidence of Coverage forms for additional information including details of benefits, specific exclusions, terms, conditions and limitations of coverage. Coverage is currently not available to residents of the state of New York and may not be available in other U.S. territories or jurisdictions in the future. Insurance products are not federally insured, are not obligations of, or guaranteed by the credit union.