Your Financial Partner for Life
Pacific Coast Credit Union has been serving our community with integrity and excellence since 1985. As a member-owned financial cooperative, we're committed to your financial success.
🏆 Member Owned
You're not just a customer - you're an owner with a voice in how we operate.
💰 Better Rates
Enjoy higher savings rates and lower loan rates compared to traditional banks.
🏛️ NCUA Insured
Your deposits are federally insured up to $250,000 by the NCUA.
🤝 Community Focused
We invest in our local community and support the causes that matter to you.
Member Login
Access your accounts securely
Welcome to Pacific Coast Credit Union
💳 Personal Banking
Comprehensive checking and savings accounts with competitive rates and no hidden fees.
🏠 Home Loans
Get your dream home with our low-interest mortgage options and flexible payment plans.
💼 Business Solutions
Grow your business with our commercial banking services and business credit lines.
About Pacific Coast Credit Union
Founded in 1985, Pacific Coast Credit Union has been proudly serving the financial needs of our community for over 40 years. As a member-owned, not-for-profit financial cooperative, we are committed to providing exceptional service and competitive rates to our members.
Our mission is to enhance the financial well-being of our members through personalized service, innovative products, and community involvement. We believe in the credit union philosophy of "people helping people" and demonstrate this through our member-focused approach to banking.
$2.8 Billion
Assets Under Management
85,000+
Proud Members
25
Branch Locations
40 Years
Serving the Community
Membership Eligibility
Who Can Join?
- Employees of participating companies and organizations
- Residents of San Diego, Orange, and Imperial counties
- Family members of current credit union members
- Members of affiliated associations and organizations
- Students attending participating educational institutions
Member Benefits
- Higher Savings Rates: Competitive dividend rates on savings and certificates
- Lower Loan Rates: Reduced interest rates on auto loans, mortgages, and personal loans
- Lower Fees: Minimal fees compared to traditional banks
- Democratic Control: Vote for board members and participate in annual meetings
- Personalized Service: Dedicated member service representatives
- Community Focus: Supporting local initiatives and charities
Complete Financial Services
Personal Banking
- Free Checking Accounts
- High-Yield Savings
- Money Market Accounts
- Certificates of Deposit
- Individual Retirement Accounts (IRAs)
- Health Savings Accounts (HSAs)
Lending Services
- Auto Loans (New & Used)
- Motorcycle & RV Loans
- Home Mortgages
- Home Equity Lines of Credit
- Personal Loans
- Student Loans
Digital Banking
- Online Banking Platform
- Mobile Banking App
- Mobile Check Deposit
- Bill Pay & eStatements
- Account Alerts
- Shared Branching Network
Business Services
- Business Checking & Savings
- Commercial Loans
- Business Credit Cards
- Merchant Services
- Payroll Services
- Cash Management
Visit Us or Get in Touch
Main Branch
Address:
1250 Pacific Coast Highway
Oceanside, CA 92054
Phone: (760) 555-PCCU (7228)
Email: info@pacificcoastcu.org
Hours:
Monday - Friday: 9:00 AM - 6:00 PM
Saturday: 9:00 AM - 2:00 PM
Sunday: Closed
Member Support
24/7 Phone Banking:
(760) 555-2400
Lost/Stolen Cards:
(760) 555-HELP (4357)
Online Support:
Available through online banking
and mobile app chat
Routing Number:
322275052
Additional Locations
North County: 15 branches
South County: 8 branches
Inland: 2 branches
ATM Network:
500+ surcharge-free ATMs
throughout California
Shared Branching:
Access your accounts at over
5,000 credit union locations nationwide