CoastHills Credit Union

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CURRENT TOP RATE

Early Savers Shares

TODAY'S FEATURED RATES

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.coasthills.coop

805-733-7600

1075 E Betteravia Rd
Santa Maria, CA 93454

CoastHills Credit Union is headquartered in Santa Maria and is the 38^th largest credit union in the state of California. It is also the 273^rd largest credit union in the nation. It was established in 1958 and as of March of 2025, it had grown to 256 employees and 80,247 members at 12 locations. CoastHills Credit Union's money market rates are 7X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership in Coast Hills Credit Union is open to those who live, work, worship, or attend school in the California counties of Monterey, Santa Barbara, Santa Cruz, San Luis Obispo, or Ventura.
See current membership details

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Health

B

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
Year Established	1958
Employees	256
Primary Regulator

Profit Margin
Return on Assets - YTD	0.24%
Return on Equity - YTD	3.25%
Annual Interest Income	$20.8MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$1.81B$1.83B
Loans	Q1 2025vs Q1 2024	$1.27B$1.27B
Deposits	Q1 2025vs Q1 2024	$1.48B$1.47B
Equity Capital	Q1 2025vs Q1 2024	$134.3MM$129.8MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$14.6MM$13.4MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$16.7MM$3.7MM
Real Estate Owned	Q1 2025vs Q1 2024	$88K$120K

TODAY'S FEATURED RATES

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

CoastHills Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
5.64%^*	$0	$500	Early Savers Shares
OTHER TIERS: 0.05% → $500+
1.00%	$0	-	Health Savings Acocunt
0.05%	$5	-	Basic Shares
0.05%	$5	-	Business Shares
0.05%	$5	-	Teen Scene
0.05%	$5	-	Sammy Savers Account
0.05%	$0	-	Special Shares
0.05%	$0	-	Trust Account
0.05%	$0	-	Holiday Club

CoastHills Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
3.00%^*	$1m^*	-	Peak Money Market
OTHER TIERS: 0.25% → $25k - $50k \| 0.50% → $50k - $100k \| 1.00% → $100k - $250k \| 1.50% → $250k - $500k \| 2.00% → $500k - $750k \| 2.50% → $750k - $1m
0.75%^*	$200k^*	-	Money Market Account
OTHER TIERS: 0.25% → $5k - $25k \| 0.30% → $25k - $50k \| 0.35% → $50k - $100k \| 0.50% → $100k - $200k

CoastHills Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.27%^*	$35m^*	-	Business Preferred Plus Checking
OTHER TIERS: 2.17% → $25m - $35m
0.50%^*	$0	$25k	Super Checking Account
OTHER TIERS: 0.05% → $25k+
0.50%	$0	$25k	Freedom Plus Checking Account
0.40%^*	$1m^*	-	IOLTA Checking Account
OTHER TIERS: 0.10% → $2.5k - $10k \| 0.20% → $10k - $250k \| 0.30% → $250k - $1m

CoastHills Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
3.55%	$500	-	13 Month Promotional Certificate
3.45%	$500	-	4 Month Promotional Certificate
2.78%	$200k	-	84 Month Super-Jumbo Share Certificate
2.53%	$200k	-	60 - 83 Month Super-Jumbo Share Certificate
2.38%	$100k	-	84 Month Jumbo Share Certificate
2.27%	$100k	-	60 - 83 Month Jumbo Share Certificate
2.02%	$50k	$100k	84 Month Mini-Jumbo Share Certificate
2.02%	$500	$50k	84 Month Share Certificate
1.92%	$500	$50k	60 - 83 Month Share Certificate
1.92%	$50k	$100k	60 - 83 Month Mini-Jumbo Share Certificate
1.87%	$200k	-	48 - 59 Month Super-Jumbo Share Certificate
1.66%	$100k	-	48 - 59 Month Jumbo Share Certificate
1.61%	$200k	-	36 - 47 Month Super-Jumbo Share Certificate
1.51%	$500	$50k	48 - 59 Month Share Certificate
1.51%	$50k	$100k	48 - 59 Month Mini-Jumbo Share Certificate
1.46%	$100k	-	36 - 47 Month Jumbo Share Certificate
1.41%	$200k	-	24 - 35 Month Super-Jumbo Share Certificate
1.36%	$500	$50k	36 - 47 Month Share Certificate
1.36%	$50k	$100k	36 - 47 Month Mini-Jumbo Share Certificate
1.26%	$100k	-	24 - 35 Month Jumbo Share Certificate
1.26%	$200k	-	12 - 23 Month Super-Jumbo Share Certificate
1.16%	$500	-	24 - 35 Month Share Certificate
1.16%	$50k	-	24 - 35 Month Mini-Jumbo Share Certificate
1.11%	$100k	-	12 - 23 Month Jumbo Share Certificate
1.00%	$500	-	12 - 23 Month Share Certificate
1.00%	$50k	-	12 - 23 Month Mini-Jumbo Share Certificate
1.00%	$200k	-	6 - 11 Month Super-Jumbo Share Certificate
0.90%	$100k	-	6 - 11 Month Jumbo Share Certificate
0.80%	$500	$50k	6 - 11 Month Share Certificate
0.80%	$50k	$100k	6 - 11 Month Mini-Jumbo Share Certificate
0.50%	$200k	-	3 - 5 Month Super-Jumbo Share Certificate
0.30%	$100k	-	3 - 5 Month Jumbo Share Certificate
0.25%	$500	$50k	3 - 5 Month Share Certificate
0.25%	$50k	$100k	3 - 5 Month Mini-Jumbo Share Certificate

CoastHills Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
3.55%	$500	-	13 Month Promotional IRA Certificate
3.45%	$500	-	4 Month Promotional IRA Certificate
2.78%	$200k	-	84 Month Super-Jumbo IRA Certificate
2.53%	$200k	-	60 - 83 Month Super-Jumbo IRA Certificate
2.38%	$100k	-	84 Month Jumbo IRA Certificate
2.27%	$100k	-	60 - 83 Month Jumbo IRA Certificate
2.02%	$500	$50k	84 Month IRA Certificate
2.02%	$50k	$100k	84 Month Mini-Jumbo IRA Certificate
1.92%	$500	$50k	60 - 83 Month IRA Certificate
1.92%	$50k	$100k	60 - 83 Month Mini-Jumbo IRA Certificate
1.87%	$200k	-	48 - 59 Month Super-Jumbo IRA Certificate
1.66%	$100k	-	48 - 59 Month Jumbo IRA Certificate
1.61%	$200k	-	36 - 47 Month Super-Jumbo IRA Certificate
1.51%	$500	$50k	48 - 59 Month IRA Certificate
1.51%	$50k	$100k	48 - 59 Month Mini-Jumbo IRA Certificate
1.46%	$100k	-	36 - 47 Month Jumbo IRA Certificate
1.41%	$200k	-	24 - 35 Month Super-Jumbo IRA Certificate
1.36%	$500	$50k	36 - 47 Month IRA Certificate
1.36%	$50k	$100k	36 - 47 Month Mini-Jumbo IRA Certificate
1.26%	$100k	-	24 - 35 Month Jumbo IRA Certificate
1.26%	$200k	-	12 - 23 Month Super-Jumbo IRA Certificate
1.16%	$500	$50k	24 - 35 Month IRA Certificate
1.16%	$50k	$100k	24 - 35 Month Mini-Jumbo IRA Certificate
1.11%	$100k	-	12 - 23 Month Jumbo IRA Certificate
1.00%	$500	$50k	12 - 23 Month IRA Certificate
1.00%	$50k	$100k	12 - 23 Month Mini-Jumbo IRA Certificate
1.00%	$200k	-	6 - 11 Month Super-Jumbo IRA Certificate
0.90%	$100k	-	6 - 11 Month Jumbo IRA Certificate
0.80%	$500	$50k	6 - 11 Month IRA Certificate
0.80%	$50k	$100k	6 - 11 Month Mini-Jumbo IRA Certificate
0.50%	$200k	-	3 - 5 Month Super-Jumbo IRA Certificate
0.30%	$100k	-	3 - 5 Month Jumbo IRA Certificate
0.25%	$500	$50k	3 - 5 Month IRA Certificate
0.25%	$50k	$100k	3 - 5 Month Mini-Jumbo IRA Certificate
0.05%	$0	-	IRA Account

Locations

Availability

Santa Barbara Area

Santa Barbara Area bank & credit union details

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