Personal Accounts Investments & Insurance
Whether you’ve already got retirement accounts that you want to transfer to Coast Central, or you don’t even know where to begin on the road to investing, we can help you out. We have all of the accounts and services you need, plus the financial advising and planning services to help you decide what’s right for you.
Please choose from the following options for more detailed information.
Financial Solution Center
Beyond monthly budgets and day-to-day expenses, what are your big-picture financial goals? A comfortable retirement? Saving for college? Buying a home? Starting a business? The list could be endless.
Regardless of your aspirations, a sound investment strategy can get you moving in the right direction. A variety of products, services, strategies and objectives await, but no matter where you are on your journey, it’s never too late to get started. To find out more, visit our Financial Solutions Center.
To schedule an appointment, please call us at (707) 445-8801. Check the background of this investment firm on FINRA’s BrokerCheck.
Coast Central offers different ways to save for your retirement, depending upon your individual needs and preferences. We offer both IRA savings accounts and IRA certificates of the following types. Ask any of our New Accounts Representatives about opening or transferring an IRA.
Contribute funds to this account as often as you like (up to a certain limit per year), and you can deduct the total amount from your income for that year. Later on, when you’re ready to retire (or for other qualified purposes like a first-time home purchase), you can withdraw funds and dividends at the current tax rate.
If you’d prefer to get taxes out of the way up-front, you may contribute to a Roth IRA and pay the income tax right away. This way, you have a good idea of how much money you can withdraw, and your earnings still grow tax-deferred.
Simplified Employee Pension (SEP) IRA accounts are for business owners and/or their employees – an employer can contribute funds for their workers and the accounts function in much the same way as a Traditional IRA.
When you devote a portion of your income to health care expenses, you can deduct a certain amount of your income per year (much like an IRA). This can help you with your current tax needs while helping you save for future health expenses. Later, when you make qualified withdrawals, you are taxed at the current income tax rate. Your dividends also grow tax-deferred.
Ask any of our New Accounts Representatives about opening or transferring an HSA.
Similar to the above accounts, you can contribute funds for a particular beneficiary (up to a certain amount per year) and still enjoy tax benefits with a Coverdell ESA. Contributions are not tax-deductible but when your withdrawals are for qualified educational expenses, you can withdraw your dividends tax-free. Funds can be used for elementary, secondary, or higher educational purposes.
Ask any of our New Accounts Representatives about opening or transferring an ESA.
In addition to the insurance options offered by TruStage Insurance (which include life insurance, accidental death or dismemberment insurance, and more), even further insurance benefits are available to you as a Coast Central member!
TruStage™ Auto & Home Insurance Program
You trust your credit union to offer products and services to help you do more with what you have. That’s why we’ve joined with a dedicated team of insurance professionals to bring you the TruStage Auto & Home Insurance Program.
Working with carefully selected insurance partners, these programs can provide discounted rates for credit union members, online services, and 24/7 claims service.
If you haven’t compared auto or home insurance rates lately, it’s a great time to take a look. Your credit union membership could result in some nice savings.
Get your free quote today or call 1-855-483-2149.
TruStage™ Auto and Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.
“Member Select” Dental & Vision Plans
In cooperation with the California Credit Union League, we are pleased to offer the Member Select CIGNA Dental and VSP Vision Care Plans to our members. For more information or to obtain an enrollment kit, please call (888) 293-4903 (option 2) for the plan administrator. Tell them you’re a member of Coast Central Credit Union and that you’d like to know more about enrollment.
All inquiries regarding this service should be directed to the number above. Please do not contact CIGNA or VSP directly for more information, since this program is separate and specifically tailored for our members. Coast Central does not have an available supply of brochures or enrollment materials. Our plan administrator at (888) 293-4903 will be happy to provide you with these materials and to answer any questions you may have.