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Overview / Commentary
805-733-7600
3880 Constellation Rd
Lompoc, CA 93436-1404

CoastHills Federal Credit Union is headquartered in Lompoc and is the 52nd largest credit union in the state of California. It is also the 306th largest credit union in the nation. It was established in 1958 and as of March of 2014, it had grown to 196 employees and 58,021 members. CoastHills Federal Credit Union's savings rates are 92% higher than the national average, and it has a A health rating.

Field of Membership Restrictions

You are eligible if you live, work, worship, or attend school in the Central Caost community compurised of San Luis Obispo and North Santa Barbara counties. - See Details

Reviews (2)

Errors Errors Galore

I have been a member with Coasthills for over 24 years and their customer service has gone downhill. The branch located on Broadway is awful. The tellers have no idea how to lower their voices when dealing with sensitive information. The line was long and almost out the door we were standing waiting for our turn to go up to the bank teller and we could hear everyone's business. My heart went out to those who were being told they were overdrawn, didn't have enough money in their accounts, etc. The bank tellers were downright rude. That’s why if I have to go into a branch, I go to the one in Orcutt located in the Walmart shopping center. Over the last year Coasthills has been making a lot of errors. I have gone to the ATM and have had times were I couldn't use my debit card not because there wasn't any money in my checking or savings account supposedly we are only allowed 6 withdrawals from the savings account. I have never heard such a thing and how would that effect my checking account. I am not the only one to have this experience; it’s happened to me, family and friends and when you ask them what's going on no one can give you an answer. I have called in advance (several times) because I am heading out of state or the country to let them know that I will be away. I get to my destination and they have put a hold on my card. I call Coasthills and again they have no idea what’s going on with my account. Everyone I talk to has a different explanation. I have already started looking for a new bank. I am tired of having to call them at least twice a month to find out what’s going on with my money.

Non Sufficient Fees

I was charged a $29 fee for non sufficient funds when I had more than enough in my account. They would not rectify the situation, unlike Chase (who I don't care for) which has given me decent customer service.



Health

Data for Q1 2014

Institution Health

A

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 CoastHills Federal Credit Union had $2.76 million in non-current loans and owned real-estate with $75.19 million in equity and loan loss allowances on hand to cover it. This gives CoastHills Federal Credit Union a Texas Ratio of 3.67% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for CoastHills Federal Credit Union decreased slightly from 5.18% as of March 31, 2013 to 3.67% as of March 31, 2014, resulting in a positive change of 29.07%.This indicates that the balance sheet and financial strength for CoastHills Federal Credit Union has improved slightly in recent periods.

Deposit Growth

GRADE:
A

In the past year, CoastHills Federal Credit Union has increased its total deposits by $19.64 million, resulting in 3.22% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth CoastHills Federal Credit Union has shown is excellent.

Capitalization

GRADE:
B+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. CoastHills Federal Credit Union has $740.42 million in assets with $75.19 million in equity, resulting in a capitalization level of 10.15%, which is above average.

Institution Statistics

Overall
NCUA #12525
Year Chartered1958
Employees196
Primary Regulator
Assets and Liabilities
Assets$740.42 million
Loans$653.36 million
Deposits$629.38 million
Equity Capital$65.11 million
Loan Loss Allowance$10.08 million
Unbacked Noncurrent Loans$2.35 million
Real Estate Owned$417,000
Historic Data - March 2013
Assets$705.96 million
Equity Capital$59.89 million
Loan Loss Allowance$10.85 million
Unbacked Noncurrent Loans$2.35 million
Real Estate Owned$739,000
Profit Margin - Quarterly
Return on Assets1.16%
Return on Equity13.2%
Interest Income$7.43 million
Rates

Always verify rates and promotions with the bank or credit union. We are not CoastHills Federal Credit Union, we are a rate comparison website and can not provide official rates or promotions.

CoastHills Federal Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
1.00%--Health Savings Accounts - Single
1.00%--Health Savings Accounts - Family
0.10%--Basic Shares
0.10%--EDGE
0.10%--Business Shares
0.10%--Teen Scene
0.10%--Sammy Savers Account
0.10%--Special Shares
0.10%--Trust
0.10%--Holiday
0.10%--IRA
0.10%--Roth IRA Account

CoastHills Federal Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.10%--Classic Money Market Account
0.10%--Index Money Market Account
0.10%--Anniversary Money Market Account

CoastHills Federal Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
1.26%-$25kSuperReady Checking Account - Qualifying
0.75%$50k-B-Plus Checking Account
0.10%$2,500-Ready Plus Checking Account

CoastHills Federal Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
2.32%$100k-84 Month Promo Jumbo Share Certificate (New Money)
2.32%$50k$100k84 Month Promo Mini-Jumbo Share Certificate (New Money)
2.32%$10k$50k84 Month Promo Share Certificate (New Money)
2.02%$100k-84 Month Jumbo Share Certificate
2.02%$100k-60 Month Promo Jumbo Share Certificate (New Money)
2.02%$50k$100k60 Month Promo Mini-Jumbo Share Certificate (New Money)
2.02%$10k$50k60 Month Promo Share Certificate (New Money)
1.92%$50k$100k84 Month Mini-Jumbo Share Certificate
1.81%$100k-60 Month Jumbo Share Certificate
1.81%$25k$50k84 Month Share Certificate
1.71%$50k$100k60 Month Mini-Jumbo Share Certificate
1.61%$25k$50k60 Month Share Certificate
1.46%$100k-48 - 59 Month Jumbo Share Certificate
1.36%$50k$100k48 - 59 Month Mini-Jumbo Share Certificate
1.26%$25k$50k48 - 59 Month Share Certificate
1.11%$100k-36 - 47 Month Jumbo Share Certificate
1.00%$50k$100k36 - 47 Month Mini-Jumbo Share Certificate
0.90%$25k$50k36 - 47 Month Share Certificate
0.90%$100k-24 - 35 Month Jumbo Share Certificate
0.80%$50k$100k24 - 35 Month Mini-Jumbo Share Certificate
0.70%$25k$50k24 - 35 Month Share Certificate
0.70%$100k-12 - 23 Month Jumbo Share Certificate
0.60%$50k$100k12 - 23 Month Mini-Jumbo Share Certificate
0.50%$25k$50k12 - 23 Month Share Certificate
0.35%$100k-6 - 11 Month Jumbo Share Certificate
0.30%$50k-6 - 11 Month Mini-Jumbo Share Certificate
0.25%$500$50k6 - 11 Month Share Certificate
0.20%$100k-3 - 5 Month Jumbo Share Certificate
0.15%$500$50k3 - 5 Month Share Certificate
0.15%$50k-3 - 5 Month Mini-Jumbo Share Certificate

CoastHills Federal Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
2.32%$10k$50k84 Month Promo IRA Certificate (New Money)
2.32%$100k-84 Month Promo Jumbo IRA Certificate (New Money)
2.32%$50k$100k84 Month Promo Mini-Jumbo IRA Certificate (New Money)
2.02%$100k-84 Month Jumbo IRA Certificate
2.02%$10k$50k60 Month Promo IRA Certificate (New Money)
2.02%$100k-60 Month Promo Jumbo IRA Certificate (New Money)
2.02%$50k$100k60 Month Promo Mini-Jumbo IRA Certificate (New Money)
1.92%$50k$100k84 Month Mini-Jumbo IRA Certificate
1.81%$100k-60 Month Jumbo IRA Certificate
1.81%$25k$50k84 Month IRA Certificate
1.71%$50k$100k60 Month Mini-Jumbo IRA Certificate
1.61%$25k$50k60 Month IRA Certificate
1.46%$100k-48 - 59 Month Jumbo IRA Certificate
1.36%$50k$100k48 - 59 Month Mini-Jumbo IRA Certificate
1.26%$25k$50k48 - 59 Month IRA Certificate
1.11%$100k-36 - 47 Month Jumbo IRA Certificate
1.00%$50k$100k36 - 47 Month Mini-Jumbo IRA Certificate
0.90%$25k$50k36 - 47 Month IRA Certificate
0.90%$100k-24 - 35 Month Jumbo IRA Certificate
0.80%$50k$100k24 - 35 Month Mini-Jumbo IRA Certificate
0.70%$25k$50k24 - 35 Month IRA Certificate
0.70%$100k-12 - 23 Month Jumbo IRA Certificate
0.60%$50k$100k12 - 23 Month Mini-Jumbo IRA Certificate
0.50%$25k$50k12 - 23 Month IRA Certificate
0.35%$100k-6 - 11 Month Jumbo IRA Certificate
0.30%$50k-6 - 11 Month Mini-Jumbo IRA Certificate
0.25%$500$50k6 - 11 Month IRA Certificate
0.20%$100k-3 - 5 Month Jumbo IRA Certificate
0.15%$500$50k3 - 5 Month IRA Certificate
0.15%$50k-3 - 5 Month Mini-Jumbo IRA Certificate
Locations

CoastHills Federal Credit Union has 11 locations. Click to view all CoastHills Federal Credit Union locations.