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Fred Moore embodies what it means to be "100% Humboldt." As the President and CEO of Coast Central Credit Union, Fred brings a unique perspective shaped by five generations of family history in the region. His father's 52-year political career—including 35 years as Humboldt County Clerk and 12 years as Mayor of Eureka—instilled in Fred a deep understanding of public service that continues to guide his leadership today.

During this captivating conversation with Scott Hammond, Fred shares the distinction between politicians and true public servants: "A public servant has the ability to sublimate or set aside their own best interest for the will of the majority, for the will of their constituency." This philosophy has served as his north star throughout a remarkable career journey from staff accountant to credit union leader.

Fred's banking trajectory took him from Bean, Stanhope, Story, Wagner, McCauley to Humboldt Bank, where mentor Ted Mason advised him to "make yourself invaluable to your coworker and your supervisor." This guidance helped propel Fred through various roles before he joined John Dalby in founding Redwood Capital Bank—"a chance of a lifetime to be part of a team starting a bank in your own hometown." Now at Coast Central Credit Union, he oversees a $2.2 billion institution that handles 40% of deposits across three counties and funds one of every two local car loans.

Beyond banking, Fred reveals his entrepreneurial side through Humboldt Craft Spirits, which he founded with his wife Jackie, and reflects on the region's rich culinary history through beloved restaurants like Parlato's, and Angelina Inn. Throughout the conversation, his genuine appreciation for Humboldt County—especially its people, natural beauty, and resilient spirit—shines through. As Coast Central celebrates its 75th anniversary while giving back $650,000 annually to the community, Fred's leadership embodies the credit union philosophy of "people helping people."

About 100% Humboldt with Scott Hammond

Humboldt County CA USA is the home of some of the most iconoclastic, genuine, and interesting folks in the world.

We are getting curious about the movers, shakers, and difference makers in Humboldt County CA-Home of the giant redwoods, 6 Rivers, and the vast Pacific Ocean.

We will discover what makes people live/evolve in the beautiful, diverse, isolated, and ever-changing North Coast of California 100%!

Listen in and learn what it is to be 100% Humboldt!

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Monica Rose has spent 23 years witnessing transformations at the Boys and Girls Clubs of the Redwoods, where every day, over 300 kids find more than just a safe space—they discover possibilities they might never have imagined otherwise. Alongside board president Jessie James, who was once a club member herself, they reveal the profound impact that consistent mentorship has on young lives in Humboldt County.

What makes these clubs special? They actually listen to their kids. When youth express interest in a topic, programs evolve to meet their curiosity. From college tours that visit six campuses to hands-on job preparation in the Teen Lounge, the clubs create pathways to futures that might otherwise seem unattainable. For some children living with poverty or unstable housing, the club provides food to take home each night, computer access for schoolwork, and a sense of belonging that transcends socioeconomic barriers.

The heartbeat of the organization is its volunteer network. Take Jerry Nelsen, who started volunteering 12 years ago running Jeopardy games. Once the club's executive director 50 years ago, he now donates over $500 weekly in prizes and treats that have kids chanting his name when he arrives. These intergenerational connections form the foundation of the clubs' success.

With locations in Eureka and McKinleyville, and programs like Teen Court that provide alternatives to traditional juvenile justice, the Boys and Girls Clubs of the Redwoods exemplifies community in action. Though they charge only $35 annually for membership (while the actual cost exceeds $1,000 per child), their impact is priceless. Want to help? Visit bgcredwoods.org, attend their May 10th "Boots and Bling" fundraiser, or simply stop by to see firsthand how mentorship makes all the difference.

About 100% Humboldt with Scott Hammond

Humboldt County CA USA is the home of some of the most iconoclastic, genuine, and interesting folks in the world.

We are getting curious about the movers, shakers, and difference makers in Humboldt County CA-Home of the giant redwoods, 6 Rivers, and the vast Pacific Ocean.

We will discover what makes people live/evolve in the beautiful, diverse, isolated, and ever-changing North Coast of California 100%!

Listen in and learn what it is to be 100% Humboldt!

Find us on You Tube, Linked In, Facebook, Instagram, and Tik Tok!

Send us a text

Could the best years of your life still be ahead of you? That's the question Pete Ciotti asked himself at age 45 after running several businesses, touring with a rock band, and starting a family. His answer led to a complete transformation that he's now sharing through what he calls "The Five Fs" - a framework for becoming an expansive human being.

Pete takes us on his journey from serial entrepreneur (running Big Pete's Pizza for a decade and later managing the iconic Jambalaya venue) to his current landscaping business and budding coaching career. But the heart of our conversation explores how Pete's spontaneous decision to wake up at 5AM and go to the gym snowballed into a life-altering routine that led him to ultramarathon running, sobriety, and a rekindled faith.

With refreshing candor, Pete breaks down each component of his Five Fs framework - Family, Friendship, Faith, Fitness, and Finance - explaining how strengthening these five areas leads to what he calls the Four Gs: Gratitude, Grace, Grit, and God. His insights on forgiveness (particularly self-forgiveness) and replacing negative influences with positive ones offer practical wisdom for anyone feeling stuck.

As a father of four children (ranging from a high school senior to a newborn), Pete shares how prioritizing family relationships through consistent communication creates the foundation for everything else. His perspective on viewing wealth as "richness of life" rather than material possessions challenges conventional definitions of success.

Whether you're facing a mid-life reset or simply looking for a more purposeful approach to daily living, Pete's framework provides a refreshingly straightforward blueprint anyone can follow. The question now is: are you ready to become an expansive human?

About 100% Humboldt with Scott Hammond

Humboldt County CA USA is the home of some of the most iconoclastic, genuine, and interesting folks in the world.

We are getting curious about the movers, shakers, and difference makers in Humboldt County CA-Home of the giant redwoods, 6 Rivers, and the vast Pacific Ocean.

We will discover what makes people live/evolve in the beautiful, diverse, isolated, and ever-changing North Coast of California 100%!

Listen in and learn what it is to be 100% Humboldt!

Find us on You Tube, Linked In, Facebook, Instagram, and Tik Tok!