At a glance
From its website, read 2 Nov 2026Coast Central Credit Union is a credit union based in Eureka, California. Its website describes auto loans, energy-efficiency loans and home mortgages. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (707) 445-8801 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.coastccu.org |
| Office (official list) | 2650 Harrison Ave, Eureka, CA 95501 |
What their website says about applying
It’s easy, Apply Now by clicking the button below! Or Schedule an Appointment with our friendly experts when and where it’s convenient for you, either in-person or via phone.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Auto / vehicle loans | Term: see their wording | Terms range up to 84 months, and financing up to 135% (+ tax & license). | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- First-time homebuyer program
First-time Homebuyer Loans
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 16 Jan 2025 |
| RSSD ID | 657897 |
| Address | 2650 Harrison Ave, Eureka, CA 95501 Directions (Google Maps) |
| Website | www.coastccu.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. The service area comes from the page title; no membership eligibility rule was found, and loan amounts were stated only for home equity lines. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | We offer fixed rates on new and used vehicles and special financing on older models. Terms range up to 84 months, and financing up to 135% (+ tax & license). | source |
| Energy / solar / efficiency loans | — | Supporting solar energy efforts through loans. | source |
| Home mortgages | — | Fixed Rate Loans with 15 and 30-year terms (owner-occupied and non-owner occupied) | source |
Loan sizes
new primary residence (not manufactured homes) home equity lines from $25,000 up to $200,000, and 80% combined loan-to-value (CLTV)
source
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Apply Online
source
Pages read (7)
- https://www.coastccu.org/
- https://www.coastccu.org/personal/auto-loans/
- https://www.coastccu.org/personal/mortgage-loans/
- https://www.coastccu.org/power-up-home-energy-efficient-upgrades/
- https://www.coastccu.org/personal/financial-planning/corporate-collaborations/
- https://www.coastccu.org/business/merchant-services/paying-with-credit-card-for-a-baguette/
- https://www.coastccu.org/personal/personal-loans-and-lines-of-credit/working-on-mortgage-rates/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and energy-efficiency loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as COAST CENTRAL (charter 62367). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $2.3 billion (as of 30 Jun 2026) |
|---|---|
| Members | 80,768 (as of 30 Jun 2026) |
| Offices | 11 (as of 30 Jun 2026) |
Offices by state and county (11)
California (11 offices)
- Del Norte County (1): 660 L St, Crescent City 95531
- Humboldt County (9): 2650 Harrison Ave, Eureka 95501 (main office); 1551 Giuntoli Ln, Arcata 95521; 686 F St Ste A, Arcata 95521; 3300 Broadway, Eureka 95501; 402 F St, Eureka 95501; 1814 Main St, Fortuna 95540; 12700 Highway 96, Hoopa 95546; 1968 Central Ave, Mckinleyville 95519; 39007 Highway 299, Willow Creek 95573
- Trinity County (1): 40 Glen Road, Suite A, Weaverville 96093
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Coast Central Credit Union (NCUA charter 62367, filed as “COAST CENTRAL”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $1.18 billion, 30,733 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 13.5% from $1.04 billion on 30 Jun 2025 |
| Members | 80,768 (as of 30 Jun 2026); 79,312 (as of 30 Jun 2025) |
| Loans per member | $14,668 (total loans divided by members, 30 Jun 2026) |
| Total assets | $2.31 billion (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $71.3 million | 6.0% |
| Used vehicle loans | $163.3 million | 13.8% |
| First-lien home mortgages (1-4 family) | $447.4 million | 37.8% |
| Other real estate loans (junior liens, other) | $39.7 million | 3.4% |
| Commercial (business) loans | $382.8 million | 32.3% |
| Credit cards | $15.2 million | 1.3% |
| Other unsecured loans | $13 million | 1.1% |
| Leases and other secured loans | $52 million | 4.4% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| SBA approvals, FY2023–24 → FY2025–26 | 4 → 5 | Rank among the 21 certified CDFIs in California with SBA approvals in either period: 11 → 9. |
| Total assets (Call Report, 30 Jun 2026) | $2.31 billion | Larger than 92% of the 25 other certified credit unions in California (median $425.5 million). |
| Loans as a share of assets | 51% | Median of the same 25 credit unions: 72%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $1.04 billion → $1.18 billion (+13%) | Median change of 24 other certified credit unions in California: +4%. Rank by loans held among these 25: 5 → 5. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| SBA approvals then vs now | certified CDFIs in California with SBA approvals FY2023–2026 | 20 | rank 11 → 9 of 21 |
| Call Report total assets | other certified credit unions in California | 25 | larger than 92% |
| Loans held then vs now | certified credit unions in California reporting both dates | 24 | rank 5 → 5 of 25 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 11 SBA-backed approvals for Coast Central Credit Union in fiscal years 2020–2026 (October 2019 to September 2026):
- 1 7(a) loans as the lender
- 10 504 projects as the third-party (first-lien) lender: $5.9M in total (its own third-party loan amount), median $256,000
By fiscal year: FY2020 0 · FY2021 2 · FY2022 0 · FY2023 1 · FY2024 3 · FY2025 2 · FY2026 3.
What actually happened
- Size of its 504 first-lien loans (third-party lender): half were between $221,125 and $433,125, median $256,000 (10 loans)
- Term of its 504 first-lien loans (third-party lender): median 300 months (25 years) (10 loans)
Descriptive only: what the SBA file records for loans this lender approved in fiscal years 2020–2026. Each figure covers at least 10 loans; with fewer we show nothing. It is not an offer, not the rate or term you would get, and says nothing about your chance of approval.
By program
- 504 projects (as the third-party lender) (10, 91%)
- 7(a) standard (1, 9%)
Borrower industries
NAICS sector, 3 or more loans.
- Accommodation and food services (4)
How this lender was matched in the SBA files: 504 third-party lender name: same name, state and city (SBA lists “Coast Central Credit Union”); NCUA charter 62367, found through the RSSD ID in NCUA records (SBA lists “Coast Central Credit Union”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Coast Central Credit Union may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Eureka and California
- Arcata Economic Development CorporationLoan fund · Eureka, CACommercial real estate loans, Microloans, Small-business loansVerified
- REDWOOD CAPITAL BANCORPBank holding company · Eureka, CAOfficial list only
- REDWOOD CAPITAL BANKBank or thrift · Eureka, CAOfficial list only
- AccessityLoan fund · San Diego, CASmall-business loansVerified
- Accion Opportunity Fund Community DevelopmentLoan fund · San Jose, CAEquipment loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- AltaOne Federal Credit UnionCredit union · Ridgecrest, CAAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
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