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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: November 21, 2022
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   New Auto/Motorcycle 2021-2023

New Auto/Motorcycle*
For model years: 2021-2023
Approx. Term APR as low as
  24-60 months 4.95%
$12,500 and over 72 months 5.25%
$25,000 and over 84 months 5.75%

APR=Annual Percentage Rate. Rate effective November 21, 2022. The rate advertised can vary based on credit, age of vehicle, and terms of the loan. 4.95% is the lowest rate and includes a maximum 50 basis point (0.50%) qualifying discount.  

   Used Auto/Motorcycle 2018-2020

Used Auto/Motorcycle*
For model years: 2018-2020
Approx. Term APR as low as
  24-60 months 5.20%
$12,500 and over 72 months 5.50%
$25,000 and over 84 months 6.00%

APR=Annual Percentage Rate. Rate effective November 21, 2022. The rate advertised can vary based on credit, age of vehicle, and terms of the loan. 5.20% is the lowest rate and includes a maximum 50 basis point (0.50%) qualifying discount.  

   Used Auto/Motorcycle 2016-2017

Used Auto/Motorcycle*
For model years: 2016-2017
Approx. Term  APR as low as
  24-60 months 6.20%
 $12,500 and over 72 months 6.50%
 $25,000 and over 84 months 7.00%

APR=Annual Percentage Rate. Rate effective November 21, 2022. The rate advertised can vary based on credit, age of vehicle, and terms of the loan. 6.20% is the lowest rate and includes a maximum 50 basis point (0.50%) qualifying discount.   

   Used Auto/Motorcycle 2015 & older

Used Auto/Motorcycle*
For model years: 2015 & older
Approx. Term  APR as low as
  24-60 months 6.20%

APR=Annual Percentage Rate. Rate effective November 21, 2022. The rate advertised can vary based on credit, age of vehicle, and terms of the loan. 6.20% is the lowest rate and includes a maximum 50 basis point (0.50%) qualifying discount.

   New/Used RV

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 November 21, 2022. The rate advertised can vary based on credit, age of vehicle, and terms of the loan. 5.044% is the lowest rate and includes a maximum 50 basis point (0.50%) qualifying discount.

   New/Used Boat

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 November 21, 2022. The rate advertised can vary based on credit, age of vehicle, and terms of the loan. 6.79% is the lowest rate and includes a maximum 50 basis point (0.50%) qualifying discount.

   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.

   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.

   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 November 21, 2022. The rate advertised can vary based on credit and terms of the loan. 9.24% APR is the lowest rate.

   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
*Subject to credit approval. Certain other conditions may apply, please speak to a Member Services Officer for details. Rates are subject to change without notice.