Fixed Rate Mortgages

A rock-solid loan that's easy to live with

These home loans come with fixed rates, meaning you have the same monthly payment (excluding insurance and property taxes) in Year 10, 20 or 30 as you have on day one. In short, world events won't ever cause your rate to jump and you can feel more confident planning your long-term finances.

Already have an application? Check your borrower portal for updates on your loan.

Local service

Our lending team is local and accessible, making all funding decisions here.

More loan choices

While the traditional mortgage length is 30 years, 10-, 15- and 20-year options are gaining popularity.

Payment predictability

Your interest rate won't ever change over the life of the loan.

Refinancing available

Switch to a loan with a lower rate - or change from an adjustable-rate to a fixed-rate loan to eliminate the possibility of a rate increase.

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

*Subject to credit approval. Some restrictions may apply.


Your questions answered

By setting up automatic payments on any loan, you're reducing your risk of missing a payment which could result in late fees. For help in setting up autopay, visit any of our 12 Central Coast locations, or call us at (805) 733-7600

Freedom Plus Checking

High-dividend, free checking loaded with fantastic perks.

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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.