Business Certificate Account

Your business grows over time. Make sure your savings grows with it.

Successful businesses are always looking ahead, drawing up plans for next quarter, next year and well into the future. It  makes perfect sense for your financial strategy to mirror that detailed timeline. With a CoastHills Certificate Account, your business earns high dividends and can save for anywhere from three months to 84 months and know that your dividends will be available right when you need them.

Higher yields

Certificates earn more than traditional business savings accounts.

Variety of choices

Get Certificates that mature anywhere from 3 to 84 months, with lots of options in between. 

Predictable returns

By locking in fixed rates, you'll know from day one how much you'll earn when the Certificate matures.

Plenty of starting points

Initial Certificate deposits range from $500 to $200,000.¹

Make additional deposits

Increase your revenues with a special add-on feature² that allows you to increase your Certificate balance. 

CoastHills Credit Union is a full-service financial institution with 12 Central Coast locations throughout Santa Barbara and San Luis Obispo counties.

1 Minimum $500 deposit. Early Share Certificate withdrawals may be subject to penalties and will reduce earnings. Rates are subject to change without notice. For eligibility details, please speak with a Member Services Officer or visit

2 Add-on feature available at anytime, as long as the total of the deposits does not exceed the original opening deposit. A penalty may be imposed for early withdrawal.


Your questions answered

You can find your account number by logging in to CoastHills Online or Mobile Banking. Select the account, then the Account Details drop down. From there, you'll see the ACH number, which is your 13-digit account number.

Travel notes cannot be placed over the phone. To place a note on your account, you can send a secure message in CoastHills Online Banking or visit a CoastHills branch. 

To send a secure message, log in to CoastHills Online Banking. Select Additional Services, then Secure Messaging. Underneath the search bar, you'll click New Message and complete the ticket.

For mobile, you'll select More from the bottom of your screen, then Secure Messaging. Click on New Message and complete the ticket.

The CoastHills routing number is 322270822

Your checking account number starts with 18, followed by 0's up until your reach your Member Number. For example: 180000012345 is your checking account number. 12345 is your member number.

Your savings are federally insured by the National Credit Union Administration (NCUA), to at least $250,000 and backed by the full faith and credit of the United States Government.

To learn more about federally insured savings coverage, give us a call at (805) 733-7600 or make an appointment at one of our 12 local branches.

Business Online Banking

Manage your CoastHills business accounts on your terms with online banking.

Learn More

Here to help

No matter your inquiry, give us a call at (805) 733-7600, toll-free at (800) 262-4488, or use one of our other convenient contact methods.