My husband has been a Cal Coast Credit Union member for a few years now. While I've been with Wells Fargo for over 10 years. I finally decided to open a checking account with Cal Coast. Christopher Oakley helped me. He was very polite and super helpful. The whole process took about 30 min from start to finish. My husband has been very happy with Cal Coast services and I'm looking forward to start banking with them as well. Thanks Christopher! read more

I had a very disappointing experience with California Coast Credit Union. On 2/12/2026 I attempted to make a purchase for $5,132 and my card was declined. When I called, I was told there is a $5,000 daily purchase limit. I understand that limits exist. However, I was also told that a manager could approve a one-day temporary increase. When I spoke with the manager, she refused to increase the limit by $135 -- despite confirming that it was technically possible. She was dismissive and unwilling to offer any solution. I asked for an explanation as to why I could not access my own funds for a legitimate purchase, and the response was essentially that it "wasn't going to happen." It was surprising to see a financial institution willing to lose a customer over $135 and unwilling to provide reasonable flexibility. Policies are one thing -- customer service is another. Very disappointed in how this was handled read more

Dont bother calling these people. I have tried twice in the last ten days because every time I try and login, it directs me to call 877-495-1600 where you will sit for hours before a human takes your call. just today 30 minutes on hold as of this writing and god only knows when a human will answer. In this day and age, that's pretty unacceptable. read more

Worst bank I have ever dealt with, on multiple occasions, and I am not the only one. They provide misinformation CONSTANTLY. They can't even get the dates of payment correct. Nobody here cares or has any sense of urgency. They are incredibly incompetent. They need to get everyone on the same page and get proper training. read more

When someone is going through a tough time it is our community that listens, and keeps us going; and that is the Temecula branch of California Coast Credit Union. Many thanks to Shyla Stephenson, Amy Mort, Janette, Branch Manager Sheldon Garcia and others. read more

I have been trying to call for days where I will be on hold over 45 mins with no answer. Have not been able to reach them. this is super lame read more

The last few times I have called I have faced ridiculously long hold times to speak with someone. Also I have been having issues with Zelle. Not worth the stress and hassle. I will be closing my account. read more

These people have been more trouble than any other bank or credit union. I've had to deal with. They charge me an overdraft fee and then charge me an NFS fee for the same transaction and their reply was everybody does it. Now I know why there's never anybody in the lobby when I go there whether it's lunchtime or between five and six, steer clear of these thieves at all cost! read more

Janette is amazing!! So thankful for her today. Made everything I needed fast and easy. Great personality, communication, and eager to help.

Bills were coming up so I tried depositing cash at an ATM for my friend. She had informed me that she had an issue the day prior with the ATM and that she had to go into the branch instead. Since I had to withdraw cash from my local bank I thought that it wouldn't hurt to give the ATM deposit a try. Eh, failed. Posted the receipt that it printed out. I understand some checks not going through but cash? Come on!! My friend wrote up a review of this branch and they called her a liar. Requested proof and an error code. As if she works for the credit union. Luckily I kept my receipt. I saw her toss them at each ATM trash bin after each failed attempt. Unhappy with the initial response, she'll be closing out her account soon. #horriblecustomerservice read more

California Coast Credit Union - ATM $240 deposit failure. 3 separate occasions w/ same outcome. CSR called my friend a liar & to provide proof. #fail #badcustomerservice - Banks & Credit Unions Near Me - Temecula, California

The customer service I experienced was incredible. Janette really helped me solve a problem needing a solution in a tight timeframe. Customer service like hers is what keeps me a very loyal customer. read more

Audra, Analyn, and the entire team are great. I love this branch. Please don't ever let Marlisa back in! She does not fit in with this friendly, smiling, happy, customer service orientated branch. read more

According to this email (please see picture), CalCoast Credit Union made changes to the payee of one of my bill pay accounts without my prior permission, though it's not clear what changes were made or why. The default SHOULD NOT be to make changes to anyone's account, and then ask permission retroactively. (What could possibly go wrong there?) I'm now having problems with that vendor acknowledging they've been paid, even though I have a picture of a cancelled cheque. This situation at least has bad optics for both my personal responsibility to pay and for the CalCoast Credit Union bill pay system. All CalCoast support (some person named JBob) would say is that they mailed the check. This payment is critical. The fee is now increased as well. As a result, I may end up paying this payee a 2nd time, for the same service, a larger fee, which is IN ADDITION TO THE ORIGINAL FEE I paid earlier. I messaged the CalCoast Credit Union again, on their messaging system, regarding their fiduciary responsibility to their members. I shouldn't have to. Sometimes I think I'm dealing with school children here, rather than responsible bank administrators. read more

California Coast Credit Union - According to this email, CalCoast Credit Union made changes to the payee of one of my bill pay accounts without my prior permission. - Banks & Credit Unions Near Me - Temecula, California

The bank in itself is fine, but lord help you if you need help, the employee was suppose to cancel my husbands card ONLY , but...even tho we said this LITERALLY 2 seconds previous, this woman cancelled mine also. Really ?? . Soooo... we waited longer, while, I too had to have a new card issued.oh joy, I get to call for a new, pin, changing acts on line etc. THEN as we were on the phone getting a new pin, it wouldn't let me have a new pin, as it wouldn't recognize my new card. We are now on our second hour trying to fix it. Thanks illiterate teller at the Temecula branch. Appreciate it! read more

James, an assistant manager at the temecula branch, really helped me out. Instead of a lengthy process, he was able to help me handle it in days. Definitely recommend requesting his assistance if you need something done quickly and efficiently. read more

They have great service here. The people are always friendly and its nice not to have that big glass in front of you. Lines are never to big so i am in and out right away. read more

California Coast Credit Union - Banks & Credit Unions Near Me - Temecula, California

This bank is stuck in the stone age. The online banking is clunky and not intuitive. I have 3 car loans with them and setting up an external transfer to pay the loans was a nightmare. I call, no one knows what to do, i get put on hold, they come back with a caned basic answer which doesn't help. They put me on hold again. Its like the the bank still wants to do things before computers and the internet. Everything takes a long time including the in-branch transactions. As soon as my loans are paid off I wont be using them again. With how competitive banking is nowadays you have to stay ahead of the curve or your just going to die. Its a simple fact. read more

I opened a checking account today due to their low fees (like, none). The interior of the building on 79S is very well appointed, but that's where the attraction ends - so far, at least. I'll retract that a bit and say that the people working there are all very nice. However, they are slow, unorganized, and frankly not the sharpest tools in the drawer. It took nearly an hour and a half to open this account, and that's after speaking to someone in their call center yesterday who took my basic info. Come on, folks! The person who helped me was, again, very nice and all but sorely in need of more/better training with regard to helping new members. And the person was NOT a new employee, either. Confidence was not instilled. I hope it gets better; meanwhile, at least it's cheap. read more

This is probably one of the best California Coast Credit Union location experience. Dropped in to address fraud account concerns and review vehicle loan options. Requested Karina Moreno as she's been my rep. for the last couple years. Yet again consistently provides quality service from beginning to end with financial institution needs. If you're in the Inland Valley location, for profesional speedy solution Karina is your rep. Thanks so much for always making things right for your Member's. yay! Dedication & commitment ensuring utmost satisfaction. read more

Do Not process a home loan or refinancing with this company. To be fair, we've had 2 car loan with this branch with zero problems. We also had inquired on a motorcycle loan which went through, but another lender had a better deal, so we went with them. For our home refinancing, first, it took 6 months to process. Our paperwork was lost by multiple people in the chain, even though we'd uploaded through their online docu service. We could never get a straight answer on our questions, and had multiple people give us drastically different answers. It's almost like this is their first time doing a home refinance, and from reading the other reviews, it seems like this bank doesn't have seasoned employees in any of their departments. We finally closed on our refinance, and 2 days later, we're being called and being told that we need to pay more on our closing fees, because they didn't properly account for interest in the first place. Just very poor attention to detail and customer service. Seriously, if you are in the market, get a real estate agent's recommendation, or use Quicken Loans or some company that solely deals in real estate. Cal Coast and their employee Angele, were pretty bad. read more

My third time getting a car loan with Karina, personal finance representative. This time it was for my daughter. Things couldn't have gone smoother. Karina is personable and kind, also explains the process in a way even I can understand. I hope she continues to work at this branch for some time, as I plan to utilize her expertise in the future. Tyvm again read more

I've many different banks and this is the best one I've had yet. Would of gotten 4 stars but they wouldn't accept my exception on getting an auto loan. read more

California Coast Credit Union - Need to clean my window. Haha - Banks & Credit Unions Near Me - Temecula, California

My husband and I have been members of this bank for 17 years. I love this bank. It doesn't charge us fees and whenever I have gone to the branches they have always been very friendly and accommodating. I use online banking to pay my bills and I find it very convenient. I find that their app is very up-to-date. I also had a Wells Fargo account and their app was comparable to the app I use at California Coast. We have no complaints about dealing with this bank at all.I would recommend this bank to anyone. read more

The line is absolutely ridiculous every time I walk in to deposit. Also, this last time i went in I was asked for my ssn so she can write it on paper with my drivers license. For a deposit?? I've been banking here for two years and have never been asked if they could write my ssn on a form. I refused and she still took my deposit. Hmmmm...... this is exactly how identity theft happens. Unless I'm withdrawing without an ID you should never force a customer who's just depositing money for their ssn. ESPECIALLY IF I'M PRESENTING YOU WITH MY DRIVERS LICENSE!! read more

Lydia a Personal Banker there assisted me with a loan and opening an account. She was very professional, knowledgable and kept me informed of where my loan was in the process which was very important because I had to meet a deadline to pay off a loan. From applying for the loan to opening an account and dealing with the notary I was very pleased. Unfortunately that all changed today when I went into the branch to pay my bill and make a deposit, I delt with a teller by the name of Analynn, she was very impatient, rude and rushed me through my transaction. I was the only customer in the whole center so it wasn't like there was a line behind me.. To be honest I thought twice about not even depositing my money and putting it in my other account at my other bank. Not sure if I will be keeping my money there. read more

After 6 months, I have still not been able to add my husband to "our" account. Let me start with something positive...the tellers and everyone that works at this branch is incredibly friendly and nice and that is why they got 2 stars. Now why they get 2 stars...My husband and I decided to bank and this credit union because of their rates. It has now been 2 months and every time we go into the waiting area, we have waited up to 40 minutes and as of writing this, my husband is still not added to ahem, "our" account! Mind you, my husband is very busy like many of you, and he always has had to stop waiting and return to work. I had to open the account on my own and not add him. After 4 attempts, we were told to make an appointment. I made an appointment for 1:00 on Saturday, a walk-in was taken in front of us (someone I personally knew), and after 10 minutes of waiting, my husband wanted to say something since no one asked why we were there besides the employee who took the walk-in and I told her we had an appointment. Regardless of our, we still waited. After a while, we got up to leave and two employees were passing out water bottles to customers waiting for tellers and us as we were walking out! This tells you something...they have to pass out water because you might pass out from dehydration while waiting AND, these two ladies can't help us but have the time to greet and pass out water because no one is cross-trained and can only do "their job". I am closing my account since I can't add my husband. It may take six months! Boo. read more

To be fair, ANY bank you go to in Temecula will have long lines and a bit of a wait if you are going during peak hours. Lines can be long but they move. Every employee is positive and helpful. No one is rude or short tempered. I like banking here. read more

I wish I would have read all of the other reviews online before we had opened an account with this terrible bank. RUN from having your account with them! Beware of hidden policies and fees! This is the most shady and dishonest bank I have ever dealt with. I am filing a complaint with the proper boards, as I feel that I was not given the proper information upon opening an account. For example, their fee tier structure - apparently, they have the right to just make up what the fee amount will be (I've seen fees vary from $27-35, based on their whim for th day) - I still have yet to find this tier in any of the information I was presented with. They will also tell you you have a lower OD protection fees if within $20, for those occasional oops! moments, but when one really comes up, that lower fee will not exist, unless you meet a million exception criteria, that would never really happen in real life. And God forbid you go into the branch - Temecula constantly has long waits! The employees are usually just talking in the work area. And when you get to an actual employee, most act like you're inconveniencing them, by coming in; and then there's one lady who, I get talking with the customers and building relationships, but she talks to each member for so long (very often you can see on the face of the client that it's unwarrented) that it hold up the line for everyone else. I know I hope to God that I don't get her as a teller every time I come in! One extreme or the other when you go to that branch! Basically, they have shady policies and will steal your money - there are no perks to banking with them. Had my last straw with them this morning - will be closing out the account as soon as my last checks clear! read more

I have had nothing but positive experiences here, so far. (Member since last winter). The staff has always been friendly and helpful.

Really bad experience every time I have come here. Was trying to get an auto loan and got jerked around by many of the people. No one seemed to know what they were talking about and got different answers from each person. The asst manager here is awful, she was so rude she made me cry, needless to say we ripped up our preapproval letter there in the branch and I will be moving my bank account. read more

This branch has continually declined over the years. They seemed uninformed, and almost downright ignorant about their own products. The ATM is perpetually not working properly, the agents who sit at the desks to the left of the front doors are not exactly savy and seem more interested in proving the customer wrong instead of listening and realizing what the customer is saying, have little interest in their teller line, and generally make one wonder why their money is there. Go somewhere else. read more

I got a car loan at the Temecula branch. I was helped by Lydia Miranda. Her title suits her well, Personal Financial Representative. She made me feel like she was my very own personal banker. She was professional, knowledgeable, friendly and gave me a great rate. She made it stress free, quick and easy. I highly recommend this branch for all their services. I am sorry to see there are a few negative reviews about this branch. They must of come on an off day and we all have those. My husband and I both do all our banking there and have never had a problem. read more

I've been a California Coast account holder for over 5 years now and the service keeps getting worse and worse. Today I was there with my son and we were going to open a new account and also get help with my son's account sign on. We waited 20 minutes and I gave up and left. read more

Tried to add my husband to my account today and was initially informed there would be a minimum wait of 30 minutes. When I expressed dismay and asked if anyone else could do at the assistant manager was called, .she spent at least 10 minutes explaining that one employee was at lunch and another was helping a customer. My husband was extremely upset and repeatedly said he could not wait and expected a higher level of service. Instead of just helping us herself and simply adding him to the account she let us leave the bank saying she couldn't help. Simply unforgivable customer service especially in light of the fact I had been trying to persuade my husband to bank here for almost a year. Closing the account and moving on read more

Horrible service. Manager was no help. The bank clerk had to ask the manager for permission for me to withdraw from a shared branch account in which at hand did not have the account number. The manager was 10 foot away and did not come up to me on his own to talk to me. Obviously if I did not have an account number in hand, the least they can do for future references is let me access my account and write down the account number. This California Coast credit union is horrible. You're better off at Pacific coast or another California Coast. Horrible read more

The only reason I gave this location one star was that it is conveniently located if I can't get to another branch. I belong to another credit union and many of the Ca Coast Credit Unions do shared banking with other credit unions for convenience. That being said, this branch has very long lines, tellers (one in particular whose name begins with a T) who consider it an imposition to "help" those who are not members of their own credit union, and are very unhelpful and subtly sarcastic...if one of them can break away from visiting with each other to deal with the customers in line. The only thing I do there is deposit, which turns into a big deal. Every time I go there, I seem to get in T's line, where she tries to bully me into opening an account with them. The final straw happened today when I got there 45 minutes before closing time and she made a big deal about taking a deposit so close to closing time. My husband and I were close to opening a couple of accounts there, but are looking down the road to a couple of more friendly and helpful credit unions. I hope that management can learn that they are driving away prospective clients by the lack of customer service. read more

Opened an account here. Exceptionally impressed with free and cost effective services!!! Love the branch employees, love the services available. Have been share banking for years with them and finally realized they were kicking my credit union's butt so I moved all my accounts and loan over! They could use a tad more attention to the teller line, but that exists everywhere I've banked for 40 years. Instantly saved me BooKoo on auto loan and even moved some credit card debt over due to friendly rates. Great credit union! read more

When I come into this location in Temecula to do my banking business I enjoy when I am helped by Audra Dietz. She is very friendly always has a bright smile on her face and is very professional. Her customer service is Excellent! read more

I will never go to this branch again. I've been here 3 times and they have all been terrible experiences. Long waits, poor customer service..... Today I was in line for 15 minutes. Last time I was in line another teller opened up at a desk because there were so many people in line. She took the last person in line (no not the first person who was waiting the longest!) and then closed down. I see workers walking around doing I don't know what because they are not with a customer and only 2 tellers open! Totally frustrating! Especially when you are making a straight deposit! read more

I can't comment on any of CCCU's services as I am not a member. However I can offer you my experiences of dealing with this branch. I attempted to open an account on 3 separate occasions with this branch. The first attempt I was directed to wait in the lobby where an employee would help me when they were available. After about 45 minutes of waiting I was asked to return another day as they did not have the time to complete my transaction. I returned a few days later. Again I was directed to wait in the lobby and an employee would be with me shortly. I could see several employees sitting on computers. Every once in awhile an employee would get up and walk over to an other employee and carry on in light banter. telling jokes etc... then return to their cubicle. I asked several times for help. Each time I was told someone would be with me shortly. I waited about an hour and 45 minutes before I became frustrated and left. I called the CCCU's toll free number to relate to them my experiences with this particular branch. I was told to return to the branch and they would take care of me. So back to the branch I went only to be told that they didnt have the staff to help me and to come back another day. I decided right then and there I didnt want to bank there. If they dont have the staff to open up an account then they probably don't have the staff to open a home loan or an auto loan etc... Their customer service is really lacking. The staff just doesnt seem to care. read more