Something extraordinary is happening in Southern California, where the spirit of innovation meets a deep-rooted tradition of community. California Coast Credit Union and San Diego County Credit Union have announced their intent to merge, creating a financial powerhouse that promises to reshape the future of banking for generations to come.

In a world where bigger is not always better, this merger is different. It is a story of two mission-driven institutions coming together, fueled by shared values, a love for their communities, and a bold vision for what is possible.

Two Stories One Shared Dream

Both California Coast and San Diego County credit unions began as small but mighty forces in their communities. Founded by teachers in 1929, California Coast Credit Union grew from a simple idea — neighbors helping neighbors. Across town, San Diego County Credit Union opened its doors in 1938, first serving county employees before expanding its welcome to anyone seeking a financial institution that truly cared.

Over the decades, these two credit unions became pillars of trust, resilience, and service. Today, they stand on the threshold of something even greater — a future where their combined strength will serve more people, create more opportunities, and spark even greater community impact across nine California counties.

Pending regulatory approval and a member vote, the merged organization will bring together nearly $13.5 billion in assets, 65 branches, and over 1,400 employees, instantly becoming one of the largest credit unions in the country. Yet at its core, it remains about people, not profits.

A Merger That Puts Members First

For members, the merger means more than just expanded services and new locations. It is about preserving the personal touch, the familiar faces at local branches, and the commitment to helping members thrive financially at every stage of life.

“This is about building something even stronger together,” said Teresa Campbell, President and CEO of SDCCU. “It is a partnership that will deliver more access, better services, and a lasting positive impact for our members and the communities we love.”

Todd Lane, President and CEO of Cal Coast, shares that sentiment. “We are proud of our legacy, and this merger strengthens our ability to carry that legacy into the future. It is about staying true to our values while reaching new heights of service and innovation.”

Importantly, both leaders have emphasized that no jobs will be lost as a result of the merger. Instead, employees will have greater opportunities for growth and advancement in a thriving, expanding organization.

Smooth Sailing Ahead for Members

If you are a member, you can breathe easy. There will be no immediate changes to your accounts, services, or favorite branch locations. Both credit unions will continue operating independently until the expected legal date of merger in early 2026, with full system integration extending into 2027.

Once complete, the combined organization will proudly carry the California Coast Credit Union name, with Todd Lane stepping in as President and CEO following Teresa Campbell’s planned retirement.

Throughout the transition, transparency will be key. Members will receive regular updates through the credit unions’ websites and communications to ensure that every step is clear, smooth, and seamless.

More Access More Services More Impact

Imagine having access to more branches, more ATMs, and even more financial tools designed to make life easier. That is exactly what this merger promises. Members across Imperial, Los Angeles, Orange, Riverside, San Bernardino, San Diego, San Luis Obispo, Santa Barbara, and Ventura counties will benefit from a wider network and expanded resources.

Yet the merger is not just about scale. It is about impact. Both Cal Coast and SDCCU have long histories of giving back, from supporting local schools and nonprofits to hosting financial literacy programs and community events. Together, they will be able to amplify these efforts, creating a ripple effect of good that reaches even further.

For members who believe their financial institution should be a force for positive change, this is a powerful step forward.

A Legacy of Excellence that Only Grows Stronger

California Coast Credit Union carries the distinction of being San Diego’s longest-serving financial institution, tracing its roots back nearly a century. Their commitment to education, community support, and financial wellness has never wavered, even as they have grown to serve more than 200,000 members.

Meanwhile, San Diego County Credit Union has made its own indelible mark. With more than 428,000 members and a shelf full of awards for service excellence, community leadership, and workplace culture, SDCCU has become a model for what a member-focused financial institution can achieve.

In bringing these legacies together, the merger creates a new chapter filled with even greater promise.

The Future of Banking With Heart

While the financial world continues to evolve, some things remain timeless. Integrity, service, and community connection have always been the foundation of California Coast and San Diego County credit unions. This merger strengthens those values and positions the new organization to lead with heart, innovation, and purpose.

For those looking for a financial institution that feels like a true partner, the future looks brighter than ever. Expanded services, deeper community roots, and a continued commitment to excellence are all on the horizon.

To stay informed about this exciting merger, visit www.calcoastcu.org/merger or www.sdccu.com/merger.

Here are some other articles related to your search:

• Boosting Your Bottom Line: Strategies Learned at a Business Workshop