How to distinguish correctly if a long stored coconut oil is still usable?

Oddly [at least to me] the shelf life of refined coconut oil is much shorter than that of virgin.

The 5 signs of it going off are:-

1. Yellow colour

2. Blotchy or chunky

3. Black oil spots

4. Bitter or sour smell

5. Sour flavour.

Now, to me that looks a tad yellow - but as I live in the UK where coconut oil is generally a solid except for a week in July, it's not something I'm used to seeing. Melt point is about 24℃

I've had jars of virgin coconut oil that are still good three years past their sell-by, opened from new & just left in the pantry, but I don't really have any experience with refined. I buy it for the huge coconutty flavour-boost so refined doesn't suit my use-case.

The sediment doesn't really bother me, though again it's something I almost never see in liquid form in the jar. Personally, I'd call it OK if it doesn't smell or taste - perhaps try gently heating some just to see if any odour is being masked by it being cooler. It's unlikely to have gone mouldy if unopened, so there's only the slightly yellow colour that bothers me at all. Maybe shake it up & put it in the fridge for a day to see what it looks like as a solid. It should look like a jar of fresh snow.