Beware of scams and phone number spoofing. California Coast will never contact you to ask for personal information or a passcode over the phone. Visit our Security Center to learn more.
Credit Card Rates
Looking for low rates and rewards? We have a credit card that fits your needs. More spending power to you!
Platinum Mastercard® Credit Card Disclosure Summary
|
Interest Rates and Interest Charges |
|
| Annual Percentage Rate (APR) for Purchases |
12.63% to 16.63% APR This APR will vary with the market based on the Prime Rate. |
| Annual Percentage Rate (APR) for Balance Transfers | 2.88% Introductory APR for 365 days from account opening.1 After that, 12.63% to 16.63% APR. Actual rate determined when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
| Annual Percentage Rate (APR) for Cash Advances |
12.63% to 16.63% APR This APR will vary with the market based on the Prime Rate. |
| Paying Interest | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. |
Fees |
|
| Annual Fee |
None |
|
Transaction Fees
|
|
|
Penalty Fees
|
Up to $10.00 (if 10 or more days late) Up to $20.00 |
|
Other Fees
|
$5.00 |
|
How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). See your credit card agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. |
|
Platinum Choice Rewards Mastercard® Credit Card Disclosure Summary
|
Interest Rates and Interest Charges |
|
| Annual Percentage Rate (APR) for Purchases |
1.98% Introductory APR for 365 days from account opening.2 Actual rate determined when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
| Annual Percentage Rate (APR) for Cash Advances |
13.63% to 17.63% APR This APR will vary with the market based on the Prime Rate. |
| Annual Percentage Rate (APR) for Balance Transfers |
13.63% to 17.63% APR This APR will vary with the market based on the Prime Rate. |
| Paying Interest | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. |
Fees |
|
| Annual Fee |
None |
|
Transaction Fees
|
|
|
Penalty Fees
|
Up to $10.00 (if 10 or more days late) Up to $20.00 |
|
Other Fees
|
$5.00 |
|
How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). See your credit card agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. |
|
Platinum Secured Mastercard® Credit Card Disclosure Summary
|
Interest Rates and Interest Charges |
|
| Annual Percentage Rate (APR) for Purchases and Balance Transfers | 15.99% APR Actual rate determined when you open your account, based on your creditworthiness. |
| Annual Percentage Rate (APR) for Cash Advances | 15.99% APR |
| Paying Interest | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. |
Fees |
|
| Annual Fee |
$20.00 |
|
Transaction Fees
|
|
|
Penalty Fees
|
Up to $10.00 (if 10 or more days late) Up to $20.00 |
|
Other Fees
|
$5.00 |
|
How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). See your credit card agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. |
|
Platinum Student Mastercard® Credit Card Disclosure Summary3
|
Interest Rates and Interest Charges |
|
| Annual Percentage Rate (APR) for Purchases and Balance Transfers | 13.99% APR Actual rate determined when you open your account, based on your creditworthiness. |
| Annual Percentage Rate (APR) for Cash Advances | 13.99% APR |
| Paying Interest | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. |
Fees |
|
| Annual Fee |
None |
|
Transaction Fees
|
|
|
Penalty Fees
|
Up to $10.00 (if 10 or more days late) Up to $20.00 |
|
Other Fees
|
$5.00 |
|
How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). See your credit card agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. |
|
All information is accurate as of 01/17/2025 and is subject to change without notice. For current rates and terms, please contact California Coast Credit Union at (858) 495-1600 or (877) 495-1600. All loans subject to approval.
- Introductory rate on balance transfers valid for 365 days from account opening. 2.88% promotional offer cannot be used to pay off any CCCU loan or be made payable to cash, yourself, any joint owner(s) or co-maker(s). Offer valid on new Platinum Mastercard® accounts only. Introductory rate on balance transfers does not apply to Platinum Choice Rewards, Platinum Secured and Platinum Student Credit Cards.
- Introductory rate on purchases valid for 365 days from account opening. 1.98% promotional offer cannot be used to pay off any CCCU loan or be made payable to cash, yourself, any joint owner(s) or co-maker(s). Offer valid on new Platinum Choice Rewards Mastercard® accounts only. Introductory rate on purchases does not apply to Platinum, Platinum Secured and Platinum Student Credit Cards.
- Applicants under the age of 21 must provide proof of income.
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!
