Consumer Loan Rates
We love giving credit
Yes, it’s true. Providing wallet-friendly loans is what we do best. Check out our current rates and see for yourself—we make it affordable to secure the financing you need.
Effective Date: January 1, 2022
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New/Used Auto 2018-2022 (up to 100,000 miles)
New/Used Auto
2018-2022 |
Approx. Term |
APR as low as |
| |
24-60 months |
2.70% |
| $12,500 and over |
72 months |
3.00% |
| $25,000 and over |
84 months |
3.50% |
APR=Annual Percentage Rate. Rate effective January 1, 2022. The rate advertised can vary based on credit, age of vehicle, and terms of the loan. 2.70% is the lowest rate and includes a maximum 50 basis point (0.50%) qualifying discount. Add 100 basis points (1.00%) to APR for model years 2016 or 2017; or if mileage is over 100,000. Add 200 basis points (2.00%) APR to model years 2015 or older. Rates are subject to change without notice.
Payment example: A $25,000 auto loan financed with CoastHills at 2.70% APR for 60 months will have a monthly payment of $446.
New/Used Motorcycle 2018-2022
New/Used Motorcycle
2018-2022 |
Approx. Term |
APR as low as |
| |
24-60 months |
2.70% |
| $12,500 and over |
72 months |
3.00% |
| $25,000 and over |
84 months |
3.50% |
APR=Annual Percentage Rate. Rate effective January 1, 2022. The rate advertised can vary based on credit, age of vehicle, and terms of the loan. 2.70% is the lowest rate and includes a maximum 50 basis point (0.50%) qualifying discount. Add 100 basis points (1.00%) to APR for model years 2016 or 2017; or if mileage is over 100,000. Add 200 basis points (2.00%) APR to model years 2015 or older. Rates are subject to change without notice.
Payment example: A $25,000 auto loan financed with CoastHills at 2.70% APR for 60 months will have a monthly payment of $446.
2016 & 2017 Auto/Motorcycle
| 2016 & 2017 Auto/Motorcycle |
Approx. Term |
APR as low as |
| |
24-60 months |
3.70% |
APR=Annual Percentage Rate. Rate effective January 1, 2022. The rate advertised can vary based on credit, age of vehicle, and terms of the loan. 3.70% is the lowest rate and includes a maximum 50 basis point (0.50%) qualifying discount. Rates are subject to change without notice.
Payment example: A $25,000 auto loan financed with CoastHills at 3.70% APR for 60 months will have a monthly payment of $457.04.
2015 & Older Auto/Motorcycle
| 2015 & Older Auto/Motorcycle |
Approx. Term |
APR as low as |
| |
24-60 months |
4.70% |
APR=Annual Percentage Rate. Rate effective January 1, 2022. The rate advertised can vary based on credit, age of vehicle, and terms of the loan. 4.70% is the lowest rate and includes a maximum 50 basis point (0.50%) qualifying discount. Rates are subject to change without notice.
Payment example: A $25,000 auto loan financed with CoastHills at 4.70% APR for 60 months will have a monthly payment of $468.36.
New/Used RV Never Title/Previously Titled
New/Used RV
Never Title/Previously Titled |
Approx. Term |
APR as low as |
|
12-60 months |
5.29% |
| $15,000 & over |
84 months |
5.79% |
$20,000 & over
|
120 months |
6.29% |
| $25,000 & over |
180 months |
6.79% |
| $50,000 & over |
240 months |
7.29% |
APR=Annual Percentage Rate. Rate effective January 1, 2022. The rate advertised can vary based on credit and terms of the loan. 5.29% APR for 60 months is the lowest rate and includes a maximum 25 basis point (0.25%) qualifying relationship rewards discount. Rates are subject to change without notice. Certain other conditions may apply, please speak to a Member Services Officer for eligibility details. Loans subject to credit approval.
Payment Example: A $25,000 RV loan financed with CoastHills Credit Union at 5.29% APR for 60 months will have a monthly payment of $477.36.
New/Used Boat Never Title/Previously Titled
New/Used Boat
Never Title/Previously Titled |
Approx. Term |
Rates as low as |
|
12-60 months |
7.04% APR |
| $15,000 & over |
84 months |
7.54% APR |
| $20,000 & over |
120 months |
8.04% APR |
| $25,000 & over |
180 months |
8.54% APR |
| $50,000 & over |
240 months |
9.04% APR |
APR=Annual Percentage Rate. Rate effective January 1, 2022. The rate advertised can vary based on credit and terms of the loan. 7.04% APR for 60 months is the lowest rate and includes a maximum 25 basis point (0.25%) qualifying relationship rewards discount. Rates are subject to change without notice. Certain other conditions may apply, please speak to a Member Services Officer for eligibility details. Loans subject to credit approval.
Payment Example: A $36,000 Boat loan financed with CoastHills Credit Union at 7.04% APR for 60 months will have a monthly payment of $713.53.
Line of Credit
| Line of Credit |
Approx. Term |
Rates as low as |
| |
Revolving |
9.99% APR |
APR=Annual Percentage Rate. 9.99% APR is our lowest rate for the Line of Credit. Your APR may vary depending on your credit score. All applications are subject to credit approval. All rates are subject to change without notice.
Credit Cards
| Credit Cards |
Approx. Term |
APR as low as |
| |
Revolving |
7.99% APR |
APR=Annual Percentage Rate. 7.99% APR is our lowest rate for the Encore Visa Signature® or Platinum Rewards Visa® credit cards. Your APR may vary depending on your credit score. All applications are subject to credit approval. All rates are subject to change without notice.
Signature
| Signature |
Approx. Term |
APR as low as |
| |
60 months |
9.24% |
| Add 0.75% for Debt Consolidation |
|
9.99% |
APR=Annual Percentage Rate. Rate effective January 1, 2022. The rate advertised can vary based on credit and terms of the loan. 9.24% APR is the lowest rate. Rates are subject to change without notice. Certain other conditions may apply, please speak to a Member Services Officer for eligibility details. Loans subject to credit approval.
Share/Certificate Secured
| Share/Certificate Secured |
APPROX. TERM |
APR |
Share Secured (100% of share balance)
|
60 months |
3.5% above dividend |
| Certificate Secured (90% of cert balance) |
12 months |
3.5% above dividend |
| Credit Builder |
36 months |
3.5% above dividend |
APR=Annual Percentage Rate.
Certificate Secured: The Annual Percentage Rate (APR) for Certificate secured advances will be the dividend rate being paid on the Certificate (Index) offered as security plus 3.5%. The Certificate must be renewed until the advance is completely paid. When the Certificate is renewed, the APR will change to reflect the new dividend rate. Any increase in the APR will result in more payments of the same amount until what you owe is repaid.
Auto & Motorcycle loans qualify for up to 50 basis points (0.50%) in discounts, including:
- 25 basis point (0.25%) discount for automatic payments from a CoastHills checking account
- 25 basis point (0.25%) discount for a refinance from another financial institution
- 25 basis point (0.25%) eco-friendly discount for purchase of a hybrid or electric vehicle
- 25 basis point (0.25%) relationship rewards discount
RV, Boat & Signature loans qualify for up to 25 basis points (0.25%) in discounts, including:
- 25 basis point (0.25%) relationship rewards "awesome" member discount
- 10 basis point (0.10%) relationship rewards "elite" member discount
Certain other conditions may apply.
Please speak to a Member Services Officer for eligibility details.