
This chocolate coconut bar recipe transforms simple ingredients into a decadent dessert that reminds me of my favorite candy bar but in cookie form. The combination of buttery graham cracker crust, sweet coconut filling, and rich chocolate topping creates an irresistible treat that disappears quickly whenever I make it for gatherings.
I first made these bars for a neighborhood potluck when I needed something quick but impressive. Three neighbors asked for the recipe that night, and now they've become my signature dessert for every gathering.
Ingredients
- Graham crackers: create the perfect buttery base that holds everything together without becoming soggy
- Unsalted butter: adds richness to the crust and helps bind the crumbs
- Granulated sugar: sweetens the graham layer just enough to complement the other flavors
- Sweetened condensed milk: creates that magical gooey texture and caramelizes slightly during baking
- Sweetened flaked coconut: provides the star flavor look for moist fresh coconut that feels soft when you squeeze the package
- Semisweet chocolate chips: create the perfect topping Baker's Secret use high quality chips for the smoothest melt
- Vegetable oil: helps thin the chocolate for easy spreading and prevents the chocolate from cracking when cut
Step-by-Step Instructions
- Prepare the Graham Crust:
- Process graham crackers into fine crumbs in your food processor until no large pieces remain. Add melted butter and sugar then pulse until the mixture resembles wet sand. The crumbs should hold together when pressed between your fingers. Press firmly into your prepared pan creating an even layer with no gaps. Bake for exactly 15 minutes until the edges just begin to turn golden.
- Add the Coconut Layer:
- Remove the hot crust from the oven and immediately sprinkle the flaked coconut evenly across the surface. Take your time to break up any clumps for consistent texture. Pour the sweetened condensed milk slowly over the entire surface working from the center outward. The milk will seep through the coconut layer and bond with the crust. Return to oven for another 15 minutes until the coconut begins to toast and the condensed milk bubbles around the edges.
- Create the Chocolate Topping:
- Place chocolate chips and vegetable oil in a microwave safe bowl. Heat for 30 seconds then stir thoroughly even if the chips don't look melted. Continue heating in 20 second intervals stirring between each until completely smooth. The oil prevents the chocolate from setting too hard which would cause cracking when cutting. Pour over the warm coconut layer and spread with an offset spatula for a perfectly smooth finish.
- Cool and Cut:
- Allow the bars to cool completely at room temperature for the shiniest chocolate finish. Once set cut into squares using a sharp knife that's been run under hot water and dried. Make quick decisive cuts to prevent the chocolate from cracking. For perfect squares cut in a 4×4 grid yielding 16 generous portions.

The sweetened condensed milk is truly the secret ingredient in this recipe. I once tried to substitute heavy cream and sugar but the texture was completely wrong. The condensed milk not only adds sweetness but creates that perfect chewy texture that makes these bars so addictive. My grandmother taught me this trick and I've never looked back.
Storage Tips
These chocolate coconut bars stay fresh at room temperature for up to 5 days when stored in an airtight container. Line the container with parchment paper and place pieces of parchment between layers to prevent sticking. For longer storage refrigerate for up to a week the chilled texture creates an even more satisfying bite similar to a candy bar. While they can be frozen for up to 3 months the texture of the coconut is best enjoyed within the first month.

Ingredient Substitutions
The beauty of this recipe lies in its flexibility. If you prefer milk chocolate chips over semisweet reduce the sugar in the crust by 1 tablespoon to balance the sweetness. Unsweetened coconut can be used instead of sweetened just add 2 tablespoons of sugar to the coconut before sprinkling. For an Almond Joy variation add 1/2 cup of chopped almonds over the coconut layer before pouring the condensed milk. Dark chocolate lovers can substitute bittersweet chocolate chips and add a pinch of sea salt to the topping for a sophisticated flavor profile.
Perfect Pairing Ideas
Serve these indulgent bars with a scoop of vanilla ice cream for an elevated dessert experience. The contrast between the cold creamy ice cream and the chewy coconut texture creates a memorable dessert. For coffee lovers these bars pair beautifully with a strong cup of espresso the bitterness of the coffee balances the sweetness of the bars. During holiday seasons I often add these to cookie platters alongside shortbread and gingerbread cookies for a variety of textures and flavors that complement each other.
Frequently Asked Questions
- → How do I store chocolate coconut bars?
Store the bars in an airtight container at room temperature for up to 5 days, or refrigerate them for up to a week. Wrapping them tightly with plastic wrap or foil also helps preserve freshness.
- → Can I make these bars without almonds?
Yes, almonds are optional. The bars are just as delicious without almonds, or you can substitute with chopped walnuts for a different twist.
- → What’s the best method for melting the chocolate topping?
Melt the chocolate chips in the microwave in 20-30 second intervals, stirring between each interval. Adding a small amount of vegetable oil helps create a smooth and shiny topping.
- → Can I use a different type of chocolate?
Yes, you can use milk chocolate or dark chocolate instead of semi-sweet chips. Adjust the sweetness level based on your preference.
- → How do I prevent the chocolate topping from cracking when cutting?
Ensure the chocolate is fully set before cutting the bars. Use a sharp knife and make quick, decisive cuts to minimize cracking.
- → Can I freeze the bars for longer storage?
Yes, you can freeze the bars. Wrap them individually or in layers separated by parchment paper in an airtight container. Thaw at room temperature before serving.
- → What’s the serving size for these bars?
The recipe makes 16 bars, with an approximate serving size of one 2x2-inch square.