Relationship Rewards


It's our special way of saying "thank you" for working with us

What happens when you make CoastHills your go-to financial institution? You earn our gratitude - and a lot more. As you add accounts, loans, or credit cards - or use direct deposit and other financial services - you'll earn points. As the points pile up, we'll celebrate our warm relationship by rewarding you with free services, discounts and other perks. The more points you earn, the bigger the rewards.

Here’s how it works:

You earn points for each CoastHills product and service you use.

Extra points can be earned by, for example, making regular use of your debit card and reaching certain deposit account balances.

As your points add up, you’ll be placed in one of four levels.

Points can also be earned on joint accounts.

Benefit Level Highlights

  • Free Super Checking
  • 0.25% APR consumer installment loan rate reduction*
  • $500 mortgage processing fee discount
  • Several free account features
  • Elite and Priority Member Benefits
  • 0.10% APR consumer installment loan rate reduction*
  • $250 mortgage processing fee discount
  • Free safe deposit box, check orders and outgoing wire transfers
  • Priority Member Benefits
  • $100 mortgage processing fee discount
  • Free cashier’s checks
  • Free money orders
  • No perks yet, but don't give up - you're not that far away.

Relationship benefits are determined by the number of points earned for the membership account, and any share or loan that the member is joint on. Points are calculated each month and rewards are determined by the highest point level reached during the month.

  • Active checking (max 1 point)
  • Direct deposit of $100, or a $500 check deposit (max 1 point)
  • 10+ debit card transactions (max 1 point)
  • Activated credit card (max 1 point)
  • Activated Encore Visa Signature® card (max 1 point)
  • Active credit card (max 1 point)
  • Wealth management account (max 1 point)
  • 1 point for each open loan product (excluding credit cards), and additional points based on aggregate loan balances: $50,000, $100,000, $150,000, $200,000, and $250,000+ (max 5 points for number of loans and/or balance of loans)
  • Deposit aggregate balances, 1 point for each tier reached: $10,000, $25,000, $50,000, $100,000, $250,000+ (max 5 points)
  • 10+ points (Awesome)
  • 8 – 9 points (Elite)
  • 6 – 7 points (Priority)
  • 0 – 5 points (Traditional)

Complete list of benefits

Each member will receive the benefits for their tier. (No relationship benefits for Traditional tier)

  • 0.25% APR reduction for consumer installment loans*
  • No monthly Super Checking fee
  • Free 3” x 5” safe deposit box (based on availability)
  • Free CoastHills checks1
  • Free outgoing wires
  • $500 mortgage processing fee discount
  • No overdraft transfer to savings fee
  • Free cashier’s checks
  • Free money orders
  • Free debit card replacement
  • Free stop payments
  • No fee for foreign currency orders
  • No ATM network fee
  • Free pay by phone service
  • Free print statements and copies
  • Free account research
  • 0.10% APR reduction for consumer installment loans2
  • Free 3” x 5” safe deposit box (based on availability)
  • Free Standard CoastHills checks
  • Free outgoing wires
  • $250 mortgage processing fee discount
  • Free cashier’s checks
  • Free money orders
  • Free cashier’s checks
  • Free money orders
  • $100 mortgage processing fee discount

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

1 Shipping and handling not included. Please speak to a Member Services Officer for more information.

2APR = Annual Percentage Rate. Discount available for new vehicle loans and signature loans. Please refer to the most current rate sheet for current annual percentage rate. Your annual percentage rate may vary depending on your credit score. All applicants are subject to credit approval.

FAQs

Your questions answered


CoastHills does not provide copies of drafts with our statements.

CoastHills does not provide copies of deposited items.

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