2. CoastHills Credit Union

CoastHills Credit Union


Overview / Commentary
www.coasthills.coop
805-733-7600
3880 Constellation Rd
Lompoc, CA 93436-1404

CoastHills Credit Union is headquartered in Lompoc and is the 41st largest credit union in the state of California. It is also the 260th largest credit union in the nation. It was established in 1958 and as of December of 2018, it had grown to 253 employees and 68,061 members at 13 locations. CoastHills Credit Union's CD rates are 2X the national average, and it has an A health rating.

Field of Membership Restrictions

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

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Reviews (2)

Errors Errors Galore

Posted by: Sarah112 | Jul 31, 2014

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.

3

Non Sufficient Fees

Posted by: Anonymous | Aug 20, 2012

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.

3


Health
A

Data as of Q4 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #68653
Year Chartered1958
Employees253
Primary Regulator
Profit Margin
Return on Assets - YTD0.45%
Return on Equity - YTD5.02%
Annual Interest Income$44.7MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$1.16B$1.08B
LoansQ4 2018vs Q4 2017$1.01B$968.9MM
DepositsQ4 2018vs Q4 2017$962.0MM$888.9MM
Equity CapitalQ4 2018vs Q4 2017$103.5MM$98.8MM
Loan Loss AllowanceQ4 2018vs Q4 2017$13.4MM$10.5MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$4.9MM$8.9MM
Real Estate OwnedQ4 2018vs Q4 2017$588.00K$131.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not CoastHills Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%--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%--Special Shares
0.05%--Trust Account
0.05%--Holiday Club
0.05%--IRA Account

CoastHills Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.19%*$50k*-Money Market Account
OTHER TIERS: 0.10% → $5k - $50k

CoastHills Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.26%*-$25kSuper Checking Account
OTHER TIERS: 0.10% → $25k+
1.26%*-$25kFreedom Plus Checking Account
OTHER TIERS: 0.10% → $25k+
0.65%*$50k*-Business Preferred Plus Checking
OTHER TIERS: 0.20% → $2.5k - $10k | 0.35% → $10k - $50k
0.65%*$50k*-IOLTA Checking Account
OTHER TIERS: 0.20% → $2.5k - $10k | 0.35% → $10k - $50k

CoastHills Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.27%$100k-84 Month Awesome Members Jumbo Share Certificate
2.12%$100k-84 Month Elite Members Jumbo Share Certificate
2.12%$500-24 - 35 Month CD Promo (Add-on & Rate Bump Available)
2.02%$100k-84 Month Jumbo Share Certificate
2.02%$100k-60 - 83 Month Awesome Members Jumbo Share Certificate
2.02%$500-12 - 23 Month CD Promo (Add-on & Rate Bump Available)
1.87%$100k-60 - 83 Month Elite Members Jumbo Share Certificate
1.76%$100k-60 - 83 Month Jumbo Share Certificate
1.76%$100k-48 - 59 Month Awesome Members Jumbo Share Certificate
1.71%$100k-36 - 47 Month Awesome Members Jumbo Share Certificate
1.61%$100k-48 - 59 Month Elite Members Jumbo Share Certificate
1.56%$100k-36 - 47 Month Elite Members Jumbo Share Certificate
1.51%$100k-48 - 59 Month Jumbo Share Certificate
1.46%$100k-36 - 47 Month Jumbo Share Certificate
1.31%$500$50k84 Month Awesome Members Share Certificate
1.31%$50k$100k84 Month Awesome Members Mini-Jumbo Share Certificate
1.21%$500$50k60 - 83 Month Awesome Members Share Certificate
1.21%$50k$100k60 - 83 Month Awesome Members Mini-Jumbo Share Certificate
1.16%$500$50k84 Month Elite Members Share Certificate
1.16%$50k$100k84 Month Elite Members Mini-Jumbo Share Certificate
1.16%$500$50k48 - 59 Month Awesome Members Share Certificate
1.16%$50k$100k48 - 59 Month Awesome Members Mini-Jumbo Share Certificate
1.11%$500$50k36 - 47 Month Awesome Members Share Certificate
1.11%$50k$100k36 - 47 Month Awesome Members Mini-Jumbo Share Certificate
1.06%$50k$100k84 Month Mini-Jumbo Share Certificate
1.06%$500$50k84 Month Share Certificate
1.06%$500$50k60 - 83 Month Elite Members Share Certificate
1.06%$50k$100k60 - 83 Month Elite Members Mini-Jumbo Share Certificate
1.00%$50k$100k48 - 59 Month Elite Members Mini-Jumbo Share Certificate
1.00%$500$50k48 - 59 Month Elite Members Share Certificate
0.95%$500$50k60 - 83 Month Share Certificate
0.95%$50k$100k60 - 83 Month Mini-Jumbo Share Certificate
0.95%$50k$100k36 - 47 Month Elite Members Mini-Jumbo Share Certificate
0.95%$500$50k36 - 47 Month Elite Members Share Certificate
0.90%$500$50k48 - 59 Month Share Certificate
0.90%$50k$100k48 - 59 Month Mini-Jumbo Share Certificate
0.85%$500$50k36 - 47 Month Share Certificate
0.85%$50k$100k36 - 47 Month Mini-Jumbo Share Certificate
0.65%$100k-6 - 11 Month Awesome Members Jumbo Share Certificate
0.50%$500$50k6 - 11 Month Awesome Members Share Certificate
0.50%$50k$100k6 - 11 Month Awesome Members Mini-Jumbo Share Certificate
0.50%$100k-6 - 11 Month Elite Members Jumbo Share Certificate
0.45%$100k-3 - 5 Month Awesome Members Jumbo Share Certificate
0.40%$100k-6 - 11 Month Jumbo Share Certificate
0.35%$500$50k3 - 5 Month Awesome Members Share Certificate
0.35%$50k$100k3 - 5 Month Awesome Members Mini-Jumbo Share Certificate
0.35%$50k$100k6 - 11 Month Elite Members Mini-Jumbo Share Certificate
0.35%$500$50k6 - 11 Month Elite Members Share Certificate
0.30%$100k-3 - 5 Month Elite Members Jumbo Share Certificate
0.25%$500$50k6 - 11 Month Share Certificate
0.25%$50k$100k6 - 11 Month Mini-Jumbo Share Certificate
0.20%$100k-3 - 5 Month Jumbo Share Certificate
0.20%$50k$100k3 - 5 Month Elite Members Mini-Jumbo Share Certificate
0.20%$500$50k3 - 5 Month Elite Members Share Certificate
0.10%$500$50k3 - 5 Month Share Certificate
0.10%$50k$100k3 - 5 Month Mini-Jumbo Share Certificate

CoastHills Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.27%$100k-84 Month Awesome Members Jumbo IRA
2.12%$100k-84 Month Elite Members Jumbo IRA
2.12%$500-24 - 35 Month IRA Promo (Add-on & Rate Bump Available)
2.02%$100k-84 Month Jumbo IRA Certificate
2.02%$100k-60 - 83 Month Awesome Members Jumbo IRA
2.02%$500-12 - 23 Month IRA Promo (Add-on & Rate Bump Available)
1.87%$100k-60 - 83 Month Elite Members Jumbo IRA
1.76%$100k-60 - 83 Month Jumbo IRA Certificate
1.76%$100k-48 - 59 Month Awesome Members Jumbo IRA Certificate
1.71%$100k-36 - 47 Month Awesome Members Jumbo IRA Certificate
1.61%$100k-48 - 59 Month Elite Members Jumbo IRA Certificate
1.56%$100k-36 - 47 Month Elite Members Jumbo IRA Certificate
1.51%$100k-48 - 59 Month Jumbo IRA Certificate
1.46%$100k-36 - 47 Month Jumbo IRA Certificate
1.31%$500$50k84 Month Awesome Members IRA
1.31%$50k$100k84 Month Awesome Members Mini-Jumbo IRA
1.21%$500$50k60 - 83 Month Awesome Members IRA
1.21%$50k$100k60 - 83 Month Awesome Members Mini-Jumbo IRA
1.16%$500$50k84 Month Elite Members IRA
1.16%$50k$100k84 Month Elite Members Mini-Jumbo IRA
1.16%$50k$100k48 - 59 Month Awesome Members Mini-Jumbo IRA Certificate
1.16%$500$50k48 - 59 Month Awesome Members IRA Certificate
1.11%$50k$100k36 - 47 Month Awesome Members Mini-Jumbo IRA Certificate
1.11%$500$50k36 - 47 Month Awesome Members IRA Certificate
1.06%$500$50k84 Month IRA Certificate
1.06%$50k$100k84 Month Mini-Jumbo IRA Certificate
1.06%$500$50k60 - 83 Month Elite Members IRA
1.06%$50k$100k60 - 83 Month Elite Members Mini-Jumbo IRA
1.00%$50k$100k48 - 59 Month Elite Members Mini-Jumbo IRA Certificate
1.00%$500$50k48 - 59 Month Elite Members IRA Certificate
0.95%$500$50k60 - 83 Month IRA Certificate
0.95%$50k$100k60 - 83 Month Mini-Jumbo IRA Certificate
0.95%$50k$100k36 - 47 Month Elite Members Mini-Jumbo IRA Certificate
0.95%$500$50k36 - 47 Month Elite Members IRA Certificate
0.90%$500$50k48 - 59 Month IRA Certificate
0.90%$50k$100k48 - 59 Month Mini-Jumbo IRA Certificate
0.85%$500$50k36 - 47 Month IRA Certificate
0.85%$50k$100k36 - 47 Month Mini-Jumbo IRA Certificate
0.65%$100k-6 - 11 Month Awesome Members Jumbo IRA Certificate
0.50%$50k$100k6 - 11 Month Awesome Members Mini-Jumbo IRA Certificate
0.50%$500$50k6 - 11 Month Awesome Members IRA Certificate
0.50%$100k-6 - 11 Month Elite Members Jumbo IRA Certificate
0.45%$100k-3 - 5 Month Awesome Members Jumbo IRA Certificate
0.40%$100k-6 - 11 Month Jumbo IRA Certificate
0.35%$50k$100k3 - 5 Month Awesome Members Mini-Jumbo IRA Certificate
0.35%$500$50k3 - 5 Month Awesome Members IRA Certificate
0.35%$50k$100k6 - 11 Month Elite Members Mini-Jumbo IRA Certificate
0.35%$500$50k6 - 11 Month Elite Members IRA Certificate
0.30%$100k-3 - 5 Month Elite Members Jumbo IRA Certificate
0.25%$500$50k6 - 11 Month IRA Certificate
0.25%$50k$100k6 - 11 Month Mini-Jumbo IRA Certificate
0.20%$100k-3 - 5 Month Jumbo IRA Certificate
0.20%$50k$100k3 - 5 Month Elite Members Mini-Jumbo IRA Certificate
0.20%$500$50k3 - 5 Month Elite Members IRA Certificate
0.10%$500$50k3 - 5 Month IRA Certificate
0.10%$50k$100k3 - 5 Month Mini-Jumbo IRA Certificate
Locations

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