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CoastHills Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.26%Reward CheckingSuper Checking Account
1.75% - National Average
1.61%5-year CD60 - 83 Month Share Certificate
1.85% - Synchrony Bank 60 Month CDAdvertisement
0.50%1-year CD12 - 23 Month Share Certificate
1.05% - Ally Bank High Yield 12-Month CDAdvertisement
View all CoastHills Credit Union rates »

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 47th largest credit union in the state of California. It is also the 281st largest credit union in the nation. It was established in 1958 and as of June of 2016, it had grown to 229 employees and 61,229 members at 12 locations. CoastHills Credit Union has an A health rating.

Field of Membership Restrictions

Coast Hills CU is open to the residents, people that maintain employment, church members, and registered students throughout the entire Central Coast of California; our geographic field extends from Ventura County through the county of Santa Cruz.
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 Q2 2016

Learn more about bank health

Health Grade Components

Overall
NCUA #68653
Year Chartered1958
Employees229
Primary Regulator
Profit Margin
Return on Assets - YTD1.06%
Return on Equity - YTD11.6%
Annual Interest Income$18.0MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$944.8MM$863.9MM
LoansQ2 2016vs Q2 2015$836.5MM$776.5MM
DepositsQ2 2016vs Q2 2015$764.2MM$692.8MM
Equity CapitalQ2 2016vs Q2 2015$85.8MM$75.7MM
Loan Loss AllowanceQ2 2016vs Q2 2015$10.2MM$9.5MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$5.9MM$2.9MM
Real Estate OwnedQ2 2016vs Q2 2015$578.00K$136.00K
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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 Club
0.10%--IRA Account

CoastHills Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.19%*$50k*-Index Money Market Account
OTHER TIERS: 0.10% → Up to $50k
0.10%--Classic Money Market Account

CoastHills Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.26%-$25kSuper Checking Account - Qualifying
0.75%*$50k*-Business Preferred Plus Checking
OTHER TIERS: 0.30% → $2,500 - $5k | 0.33% → $5k - $10k | 0.38% → $10k - $25k | 0.45% → $25k - $50k
0.10%$2,500-Plus Checking Account

CoastHills Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%$100k-84 Month Jumbo Share Certificate
2.02%$100k-Student 84 Month Jumbo Share Certificate
1.92%$50k$100k84 Month Mini-Jumbo Share Certificate
1.92%$50k-Student 84 Month Mini-Jumbo Share Certificate
1.81%$100k-60 - 83 Month Jumbo Share Certificate
1.81%*$25k*$50k84 Month Share Certificate
OTHER TIERS: 1.61% → $500 - $10k | 1.71% → $10k - $25k
1.81%$100k-Student 60 - 83 Month Jumbo Share Certificate
1.81%*$25k*$50kStudent 84 Month Share Certificate
OTHER TIERS: 1.61% → $100 - $10k | 1.71% → $10k - $25k
1.71%$50k$100k60 - 83 Month Mini-Jumbo Share Certificate
1.71%$50k-Student 60 - 83 Month Mini-Jumbo Share Certificate
1.61%*$25k*$50k60 - 83 Month Share Certificate
OTHER TIERS: 1.41% → $500 - $10k | 1.51% → $10k - $25k
1.61%*$25k*$50kStudent 60 - 83 Month Share Certificate
OTHER TIERS: 1.41% → $100 - $10k | 1.51% → $10k - $25k
1.46%$100k-48 - 59 Month Jumbo Share Certificate
1.46%$100k-Student 48 - 59 Month Jumbo Share Certificate
1.36%$50k$100k48 - 59 Month Mini-Jumbo Share Certificate
1.36%$50k-Student 48 - 59 Month Mini-Jumbo Share Certificate
1.26%*$25k*$50k48 - 59 Month Share Certificate
OTHER TIERS: 1.06% → $500 - $10k | 1.16% → $10k - $25k
1.26%*$25k*$50kStudent 48 - 59 Month Share Certificate
OTHER TIERS: 1.06% → $100 - $10k | 1.16% → $10k - $25k
1.11%$100k-36 - 47 Month Jumbo Share Certificate
1.11%$100k-Student 36 - 47 Month Jumbo Share Certificate
1.00%$50k$100k36 - 47 Month Mini-Jumbo Share Certificate
1.00%$50k-Student 36 - 47 Month Mini-Jumbo Share Certificate
0.90%*$25k*$50k36 - 47 Month Share Certificate
OTHER TIERS: 0.70% → $500 - $10k | 0.80% → $10k - $25k
0.90%$100k-24 - 35 Month Jumbo Share Certificate
0.90%$100k-Student 24 - 35 Month Jumbo Share Certificate
0.90%*$25k*$50kStudent 36 - 47 Month Share Certificate
OTHER TIERS: 0.70% → $100 - $10k | 0.80% → $10k - $25k
0.80%$50k$100k24 - 35 Month Mini-Jumbo Share Certificate
0.80%$50k-Student 24 - 35 Month Mini-Jumbo Share Certificate
0.70%*$25k*$50k24 - 35 Month Share Certificate
OTHER TIERS: 0.50% → $500 - $10k | 0.60% → $10k - $25k
0.70%$100k-12 - 23 Month Jumbo Share Certificate
0.70%$100k-Student 12 - 23 Month Jumbo Share Certificate
0.70%*$25k*$50kStudent 24 - 35 Month Share Certificate
OTHER TIERS: 0.50% → $100 - $10k | 0.60% → $10k - $25k
0.60%$50k$100k12 - 23 Month Mini-Jumbo Share Certificate
0.60%$50k-Student 12 - 23 Month Mini-Jumbo Share Certificate
0.50%*$25k*$50k12 - 23 Month Share Certificate
OTHER TIERS: 0.35% → $500 - $10k | 0.40% → $10k - $25k
0.50%*$25k*$50kStudent 12 - 23 Month Share Certificate
OTHER TIERS: 0.35% → $100 - $10k | 0.40% → $10k - $25k
0.35%$100k-6 - 11 Month Jumbo Share Certificate
0.35%$100k-Student 6 - 11 Month Jumbo Share Certificate
0.30%$50k-6 - 11 Month Mini-Jumbo Share Certificate
0.30%$50k-Student 6 - 11 Month Mini-Jumbo Share Certificate
0.25%$500$50k6 - 11 Month Share Certificate
0.25%$100$50kStudent 6 - 11 Month Share Certificate
0.20%$100k-3 - 5 Month Jumbo Share Certificate
0.20%$100k-Student 3 - 5 Month Jumbo Share Certificate
0.15%$500$50k3 - 5 Month Share Certificate
0.15%$50k-3 - 5 Month Mini-Jumbo Share Certificate
0.15%$50k-Student 3 - 5 Month Mini-Jumbo Share Certificate
0.15%$100$50kStudent 3 - 5 Month Share Certificate

CoastHills Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%$100k-84 Month Jumbo IRA Certificate
2.02%$100k-Student 84 Month Jumbo IRA Certificate
1.92%$50k-84 Month Mini-Jumbo IRA Certificate
1.92%$50k-Student 84 Month Mini-Jumbo IRA Certificate
1.81%$100k-60 - 83 Month Jumbo IRA Certificate
1.81%*$25k*$50k84 Month IRA Certificate
OTHER TIERS: 1.61% → $500 - $10k | 1.71% → $10k - $25k
1.81%$100k-Student 60 - 83 Month Jumbo IRA Certificate
1.81%*$25k*$50kStudent 84 Month IRA Certificate
OTHER TIERS: 1.61% → $100 - $10k | 1.71% → $10k - $25k
1.71%$50k-60 - 83 Month Mini-Jumbo IRA Certificate
1.71%$50k-Student 60 - 83 Month Mini-Jumbo IRA Certificate
1.61%*$25k*$50k60 - 83 Month IRA Certificate
OTHER TIERS: 1.41% → $500 - $10k | 1.51% → $10k - $25k
1.61%*$25k*$50kStudent 60 - 83 Month IRA Certificate
OTHER TIERS: 1.41% → $100 - $10k | 1.51% → $10k - $25k
1.46%$100k-48 - 59 Month Jumbo IRA Certificate
1.46%$100k-Student 48 - 59 Month Jumbo IRA Certificate
1.36%$50k-48 - 59 Month Mini-Jumbo IRA Certificate
1.36%$50k-Student 48 - 59 Month Mini-Jumbo IRA Certificate
1.26%*$25k*$50k48 - 59 Month IRA Certificate
OTHER TIERS: 1.06% → $500 - $10k | 1.16% → $10k - $25k
1.26%*$25k*$50kStudent 48 - 59 Month IRA Certificate
OTHER TIERS: 1.06% → $100 - $10k | 1.16% → $10k - $25k
1.11%$100k-36 - 47 Month Jumbo IRA Certificate
1.11%$100k-Student 36 - 47 Month Jumbo IRA Certificate
1.00%$50k-36 - 47 Month Mini-Jumbo IRA Certificate
1.00%$50k-Student 36 - 47 Month Mini-Jumbo IRA Certificate
0.90%*$25k*$50k36 - 47 Month IRA Certificate
OTHER TIERS: 0.70% → $500 - $10k | 0.80% → $10k - $25k
0.90%$100k-24 - 35 Month Jumbo IRA Certificate
0.90%$100k-Student 24 - 35 Month Jumbo IRA Certificate
0.90%*$25k*$50kStudent 36 - 47 Month IRA Certificate
OTHER TIERS: 0.70% → $100 - $10k | 0.80% → $10k - $25k
0.80%$50k-24 - 35 Month Mini-Jumbo IRA Certificate
0.80%$50k-Student 24 - 35 Month Mini-Jumbo IRA Certificate
0.70%*$25k*$50k24 - 35 Month IRA Certificate
OTHER TIERS: 0.50% → $500 - $10k | 0.60% → $10k - $25k
0.70%$100k-12 - 23 Month Jumbo IRA Certificate
0.70%$100k-Student 12 - 23 Month Jumbo IRA Certificate
0.70%*$25k*$50kStudent 24 - 35 Month IRA Certificate
OTHER TIERS: 0.50% → $100 - $10k | 0.60% → $10k - $25k
0.60%$50k-12 - 23 Month Mini-Jumbo IRA Certificate
0.60%$50k-Student 12 - 23 Month Mini-Jumbo IRA Certificate
0.50%*$25k*$50k12 - 23 Month IRA Certificate
OTHER TIERS: 0.35% → $500 - $10k | 0.40% → $10k - $25k
0.50%*$25k*$50kStudent 12 - 23 Month IRA Certificate
OTHER TIERS: 0.35% → $100 - $10k | 0.40% → $10k - $25k
0.35%$100k-6 - 11 Month Jumbo IRA Certificate
0.35%$100k-Student 6 - 11 Month Jumbo IRA Certificate
0.30%$50k-6 - 11 Month Mini-Jumbo IRA Certificate
0.30%$50k-Student 6 - 11 Month Mini-Jumbo IRA Certificate
0.25%$500$50k6 - 11 Month IRA Certificate
0.25%$100$50kStudent 6 - 11 Month IRA Certificate
0.20%$100k-3 - 5 Month Jumbo IRA Certificate
0.20%$100k-Student 3 - 5 Month Jumbo IRA Certificate
0.15%$500$50k3 - 5 Month IRA Certificate
0.15%$50k-3 - 5 Month Mini-Jumbo IRA Certificate
0.15%$100$50kStudent 3 - 5 Month IRA Certificate
0.15%$50k-Student 3 - 5 Month Mini-Jumbo IRA Certificate
Locations

CoastHills Credit Union has 12 locations. Click to view all CoastHills Credit Union locations.