Certificate Accounts


Time can be a powerful ingredient to make your money grow

Earning higher returns doesn't take a large investment or genius-level strategy. All it takes is a $500 minimum deposit and a little patience. With a Certificate Account, you choose a savings period of anywhere from 3 to 84 months. During that time, your money earns more money while you're working, eating, sleeping and having fun. When the future finally arrives, you walk away with more than when you started.

Locked-in earnings

Certificates come with fixed rates, meaning that it's clear from the beginning how much you'll eventually earn.

Longer can be better

Though all Certificates outpace traditional savings accounts, longer-term Certificates generally feature even higher rates.

No dips, flips or surprises

As long as you wait to the maturity date, Certificate earnings are fully guaranteed.

Add something extra

You can add to your Certificate at anytime, as long the total of the extra deposits doesn't exceed the opening deposit.

Bump it up

If we increase our rate on a certificate of the same term as yours, you can choose to increase your rate once, too.1

Other benefits

There's no monthly fee for our Certificates Accounts, plus they can be used to secure a Personal Loan.

Protected deposits

Your savings are federally insured up to $250,000 by the NCUA and you can visit us to explore ways to potentially increase this coverage.

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

A penalty may be imposed if you withdraw any funds from your certificate account before the maturity date. Share certificates with a term of less than one year will be subject to a forfeiture of up to 90 days of dividends on the total certificate balance at the time of early withdraw. Share certificates with a term of 12 months or greater will be subject to a forfeiture of up to 180 days of dividends on the total certificate balance at the time of early withdrawal. Share certificates with a term of 60 months or greater will be subject to a forfeiture of up to 365 days of dividends on the total certificate balance at the time of early withdrawal.

1New certificates with terms of 12 months or greater may have a dividend bump option that allows one dividend rate adjustment during the term of the certificate.

FAQs

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.

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Here to help

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