CoastHills Credit Union

Overview / Commentary
1075 E Betteravia Rd
Santa Maria, CA 93454

CoastHills Credit Union is headquartered in Santa Maria and is the 37th largest credit union in the state of California. It is also the 266th largest credit union in the nation. It was established in 1958 and as of December of 2023, it had grown to 262 employees and 76,795 members at 12 locations. CoastHills Credit Union 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

Reviews (2)

Errors Errors Galore

Posted by: |

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

Posted by: |

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 Grade Components

NCUA #68653
Year Chartered1958
Primary Regulator
Profit Margin
Return on Assets - YTD0.35%
Return on Equity - YTD4.72%
Annual Interest Income$75.1MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$1.79B$1.83B
LoansQ4 2023vs Q4 2022$1.28B$1.37B
DepositsQ4 2023vs Q4 2022$1.42B$1.47B
Equity CapitalQ4 2023vs Q4 2022$133.3MM$127.8MM
Loan Loss AllowanceQ4 2023vs Q4 2022$10.9MM$6.2MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$5.3MM$4MM
Real Estate OwnedQ4 2023vs Q4 2022$120K$120K

Rates for CoastHills Credit Union are currently being reviewed.



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