Individual Retirement Accounts (IRAs)

Save for the (near) future

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Make sure your retirement years really are golden

When you leave the working world, you'll have plenty of options. Go to far-off places, get closer to loved ones, spend time with old friends, explore new hobbies. One way to make the most of every day is to build up your savings so you can live comfortably. At CoastHills, we can help you along that financial journey with IRAs that feature tax advantages, steady earnings, and visions of a bright future.

Start early

Even if retirement is well down the road, the longer you save the more money you'll end up with.

A simple approach

You can contribute up to $7,000 a year either in a lump sum or in deductions from your weekly paycheck.

Play catch-up

If you're over 50, you can contribute an extra $1,000 annually.

Two great choices

Traditional and Roth IRAs both offer potential tax advantages. Consult your tax advisor for details.

Rock-solid earnings

Your savings grows with our competitive rates and deposits are protected by the National Credit Union Administration up to $250,000. Visit us to explore ways to potentially increase this coverage.

Personal service

Still have questions or want help setting up an IRA? Call us at (805) 733-7600 or stop by a CoastHills location.

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


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.