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Coast Hills

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: September 1, 2022
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   New Auto/Motorcycle 2021-2023 (up to 10,000 miles)

New Auto/Motorcycle
2021-2023
Approx. Term APR as low as*
  24-60 months 3.20%
$12,500 and over 72 months 3.50%
$25,000 and over 84 months 4.00%

*As low as rate includes applicable discounts and is contingent to current monthly Applicable Federal Rate (AFR).

APR=Annual Percentage Rate. Rate effective September 1, 2022. The rate advertised can vary based on credit, age of vehicle, and terms of the loan. 3.20% is the lowest rate and includes a maximum 50 basis point (0.50%) qualifying discount. Rates are subject to change without notice.

   Used Auto/Motorcycle 2021-2022 (greater than 10,000 miles)

Used Auto/Motorcycle
2021-2022
Approx. Term APR as low as*
  24-60 months 3.45%
$12,500 and over 72 months 3.75%
$25,000 and over 84 months 4.25%

*As low as rate includes applicable discounts and is contingent to current monthly Applicable Federal Rate (AFR).

APR=Annual Percentage Rate. Rate effective September 1, 2022. The rate advertised can vary based on credit, age of vehicle, and terms of the loan. 3.45% is the lowest rate and includes a maximum 50 basis point (0.50%) qualifying discount. Rates are subject to change without notice.

   2016 & 2017 Auto/Motorcycle

2016 & 2017 Auto/Motorcycle Approx. Term  APR as low as*
  24-60 months 4.45%

*As low as rate includes applicable discounts and is contingent to current monthly Applicable Federal Rate (AFR).

APR=Annual Percentage Rate. Rate effective September 1, 2022. The rate advertised can vary based on credit, age of vehicle, and terms of the loan. 4.45% is the lowest rate and includes a maximum 50 basis point (0.50%) qualifying discount. Rates are subject to change without notice.

   2015 & Older Auto/Motorcycle

2015 & Older Auto/Motorcycle Approx. Term  APR as low as*
  24-60 months 4.45%

*As low as rate includes applicable discounts and is contingent to current monthly Applicable Federal Rate (AFR).

APR=Annual Percentage Rate. Rate effective September 1, 2022. The rate advertised can vary based on credit, age of vehicle, and terms of the loan. 4.45% is the lowest rate and includes a maximum 50 basis point (0.50%) qualifying discount. Rates are subject to change without notice.

   New/Used RV Never Title/Previously Titled

New/Used RV
Never Title/Previously Titled
Approx. Term APR as low as

12-60 months 5.04%
$15,000 & over 84 months 5.54%
$20,000 & over
120 months 6.04%
$25,000 & over 180 months 6.54%
$50,000 & over 240 months 7.04%

APR=Annual Percentage Rate. Rate effective September 1, 2022. The rate advertised can vary based on credit and terms of the loan. 5.04% APR for 60 months is the lowest rate and includes a maximum 50 basis point (0.50%) qualifying discount. Add 50 basis points (0.50%) for model years 2015 or older. Maximum mileage on eligible Recreational Vehicles is 100,000. Rates are subject to change without notice. RV loans qualify for up to 50 basis points (0.50%) in discounts, including a 25 basis point (0.25%) discount for automatic payments from a CoastHills Credit Union checking account, 25 basis point (0.25%) discount for a refinance from another financial institution and up to 25 basis point (0.25%) relationship reward discount. Certain other conditions may apply, please speak to a Member Services Officer for eligibility details.

The two types of RVs that may be financed by CoastHills include, motorized RVs and towable RVs. Motorized RVs include motor homes, mini-motor homes and camper vans. Towable RVs include travel trailers, fifth wheels, folding camper trailers and truck campers. New and used recreational vehicles (RV) defined as a vehicle designed to provide temporary living accommodations for travel, vacation or recreational use and to be driven, towed or transported. New RVs are characterized as current model year or no previous title owner.

New RV values will be characterized as the sales price listed on the dealer purchase order, invoice, or MSRP, whichever is less. Used RV values will be based on NADA retail value (adjusted for equipment and mileage). RV loan requests exceeding $50,000 may require an independent appraisal conducted by a certified RV appraiser completed at the member's expense.

   New/Used Boat Never Title/Previously Titled

New/Used Boat
Never Title/Previously Titled
Approx. Term Rates as low as

12-60 months 6.79% APR
$15,000 & over 84 months 7.29% APR
$20,000 & over 120 months 7.79% APR
$25,000 & over 180 months 8.29% APR
$50,000 & over 240 months 8.79% APR

APR=Annual Percentage Rate. Rate effective September 1, 2022. The rate advertised can vary based on credit and terms of the loan. 6.79% APR for 60 months is the lowest rate and includes a maximum 50 basis point (0.50%) qualifying discount. Add 50 basis points (0.50%) for model years 2015 or older. Rates are subject to change without notice. Boat loans qualify for up to 50 basis points (0.50%) in discounts, including a 25 basis point (0.25%) discount for automatic payments from a CoastHills Credit Union checking account, 25 basis point (0.25%) discount for a refinance from another financial institution and up to 25 basis point (0.25%) relationship reward discount. Certain other conditions may apply, please speak to a Member Services Officer for eligibility details.

   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 September 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
  • up to 25 basis point (0.25%) relationship rewards discount

RV & Boat 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
  • up to 25 basis point (0.25%) relationship rewards discount

Signature loans qualify for up to 25 basis points (0.25%) in discounts, including:

  • up to 25 basis point (0.25%) relationship rewards discount

Certain other conditions may apply.
Please speak to a Member Services Officer for eligibility details.