Coast Central Credit Union

This is the most accurate and helpful banking establishment I have ever used. The staff is always friendly and professional. I would never change.

Coast central credit union has poor rates, only rate matches after you shop for better offers. The organization hires unethical financial advisors, and claims to serve the local community.

I'm about to lose my house because they can't communicate.

Today... I thought it couldn't be any easier. I called them promptly at 8:30 am, and talked to their Customer Care center. I informed them that a wire transfer was to be done by a member, our grandmother, forwarding over 10k worth of funds. I informed them these were specific wiring instructions, and asked what they wanted for the cover letter. They asked for her name, the location of the bank (McKinleyville), my routing number which would be on the transfer, as well as the amount. She said she would get it and forward it onto the bank. ... done. I even called and left a message with the Bank Manager, Kelsey Dunn, to confirm and please call me if they had any questions.

My bank created the cover, and sent it over at 8:48am. I call later at just before 11am to confirm they had gotten it. When I informed a different customer care person, they hadn't an idea about the fax, unsure if it came through, and asked which fax number we sent it to. I told them, they said it was right, but didn't see a fax. I said I'd get the bank to fax it again. BUT, went over the information again, JUST to make sure it was right, and she said yes, it was.

I called my bank, they confirmed the other went through, and resent the whole thing again. I called the Customer Care center at 11:08am to confirm it came through. They checked the same fax, and sure enough, it was there. They then said that the wiring instructions had two banks on it... which I explained, it's a whole set of instructions, and should detail how it works. She then read it and saw that it was INSTRUCTIONS... which is what they requested as well. And she would get them to their SUPERVISOR. I called the McKinleyville Bank Manager, Kelsey Dunn, again, and ask her to please call me with confirmation of the wire transfer and/or instructions that they should be getting.

I called the customer service center again at 1pm, to see if they had any troubles with the transfer. They said the did not see any transfers at all from that location (McKinleyville). I asked my wife to call her grandmother, and she said her grandmother was turned away when she didn't have INSTRUCTIONS needed for the wire transfer.

I am immediately fuming beyond all fucking comprehension at this point. I call, and ask to talk to a manager, and get the supervisor, Shelby Thompson. She tells me that the person has never come in, and nobody remember talking to anyone of that name. I inform her, that she was turned away... because she didn't have the instructions... the very fucking ones I have sent twice, and left messages with the bank managers, and have talked with customer care center five fucking times today, detailing every bit of information that could be detailed... and SOMEHOW, SOME... HOW... nobody has been able to get them to the bank.

... she then said she'd "walk" them over. I asked what she meant by "walk", and she says that they're in the same office as the McKinleyville credit union, so she could just walk them over....

It's now 2:00pm here... by bank has closed in the Midwest, and I'm on the cusp of losing our house... simply because not one... single... fucking... person... could "walk" over to give the wiring instructions, to the person handling the wiring...

I don't even have the words of how angry at the entirety of the incompetence of this whole situation is.

I have been a member at Coast Central Credit Union for nearly 5 years now. I got married last year in Mexico and went through the tiring process of changing my name on every official document imaginable. I was very worried that many businesses would not accept my Mexico marriage certificate as it was in spanish- I was pleasantly surprised with my experience at Coast Central. They took my Mexico marriage certificate without batting an eyelash and the whole process was completed within 5-10 minutes.

I also had to use their services for an international wire transfer for the final balance for the wedding ceremony. I had never done a wire transfer before, much less international, so I was very nervous. The rep at Coast Central was great, going over the whole process step-by-step for me, answering my questions, and double confirming the information I gave her for accuracy so I wouldn’t end up getting charged for an incomplete wire. I got a call from our coordinator in Mexico saying they received the wire transfer without issue the next morning!

I first got a checking and credit card account with Coast Central about 5 years ago. I have never had any problems. I once had my credit card information stolen and many transactions were made in the 12 hours before I found out. I went in person to the Coast Central bank in Eureka and the customer service rep. I spoke with got everything cleared up right away. The card was cancelled and I was not accountable for any of the fraudulent transactions. I was issued a new card very shortly. About a year ago I decided it was time to purchase a house and naturally decided to do my mortgage through Coast Central. Once again, I have had no problems. They are very fair in their practices and disclosures. They are nothing like those predatory major banks you hear about. I am by no means rich, and they worked out a plan with me that allows me to make monthly payments with ease. I have have been very happy the 5 years I have been banking with Coast Central.

A few years ago I simply got fed up with the major bank I was using. The hidden fees, the poor customer service, and complete disregard of people who aren't making tons of money. I pulled out my money and put it all into Coast Central. I mainly use the one in Arcata across from the town hall, but the bank in Eureka is also very nice. There is also a small Coast Central in the
Mckinleyville Rays. My experience has been nothing but positive. They actually seem to care about me even though I don't have a large account with them. I so far have just used them for checking, but soon I am planning on opening a line of credit. All the people there are very pleasant and the one time I had a problem with a debit transaction they immediately resolved the issue without forcing me to jump through hoops. Their policies are very clear and I feel like I am not being penalized just because I am fairly poor. I would absolutely recommend them to anyone living in the Humboldt area in California.

The very first bank account I had was at Coast Central Credit Union. I remember going into the bank with my mom quite often, back before online banking was even a thing. I've always had a good experience at Coast Central. The tellers recognize their customers, even to the point where they know your account number without having to look it up in the computer. I guess that could be alarming for some, but it was a nice touch at the time. The only locations I've been to are the ones in Crescent City, CA, and the one at the Bayshore Mall. Both locations have always been clean, rarely too busy, and as I said before, the tellers have always been friendly. I've only had a savings/checking account with them, so I don't know how they are on loans and such, but for a simple checking/savings account, they are great. I'd highly recommend them over any of the other big banks in the area.

For full disclosure, I haven't had any problems to be resolved with them despite the 5-star rating. I think that not having problems is a part of problem solving, though. The application process was quick and easy, and as far as I know, their disclosures are crystal clear. I haven't been proven wrong about that yet!

In 2005, I bought a used car. I couldn't have done it without the help of Coast Central Credit Union, or CCCU. Since I was visiting my mother in Eureka during spring break and I bought my used BMW in Eureka, CCCU came recommended by family and friends up there. I sat down with a representative and they helped me come up with the right numbers for my financing. I ended up with a $5,300 savings-secured (thanks mom!) loan at a very reasonable interest rate. I believe it was 3%. I also recall that the savings that secured it also earned about 3% in interest. Overall, I never had any problems with the credit union. Through my normal bank, I was able to pay electronically (they sent checks to CCCU on my behalf, I believe) and I paid the loan off in the prescribed 2-year term!