Consumer Loan Rates


We're known for our wallet-friendly financing

On shopping trips, you look for the best deal possible. The same cost-conscious strategy should apply to personal loans, vehicle financing, lines of credit and credit cards. At CoastHills, you'll find low rates that save you money on interest charges, and help keep your budget on track.

Effective Date: March 6, 2024

New/Used Auto/Motorcycle* For model years: 2020-2024 Approx. Term APR as low as
24-60 months6.45%
$12,500 and over72 months6.75%
$25,000 and over84 months7.75%

APR=Annual Percentage Rate. The rate advertised can vary based on credit, age of vehicle, and terms of the loan. All rates disclosed are based on a maximum 75 basis point (0.75%) qualifying discount. Payment Example: A $40,000 auto loan financed with CoastHills Credit Union at 6.45% APR for 60 months will have a monthly payment of $781.68.

Used Auto/Motorcycle* For model years: 2018-2019 Approx. Term APR as low as
24-60 months7.45%
$12,500 and over72 months7.75%
$25,000 and over84 months8.75%

APR=Annual Percentage Rate. The rate advertised can vary based on credit, age of vehicle, and terms of the loan. All rates disclosed are based on a maximum 75 basis point (0.75%) qualifying discount. Payment Example: A $25,000 auto loan financed with CoastHills Credit Union at 7.45% APR for 60 months will have a monthly payment of $500.34.

Used Auto/Motorcycle* For model years: 2017 & older Approx. Term APR as low as
24-60 months7.45%

APR=Annual Percentage Rate. The rate advertised can vary based on credit, age of vehicle, and terms of the loan. All rates disclosed are based on a maximum 75 basis point (0.75%) qualifying discount. Payment Example: A $20,000 auto loan financed with CoastHills Credit Union at 7.45% APR for 60 months will have a monthly payment of $400.27.

New/Used RV* Never Title/Previously Titled Approx. Term APR as low as
12-60 months7.29%
$15,000 & over84 months7.79%
$20,000 & over120 months8.29%
$25,000 & over180 months8.79%

APR=Annual Percentage Rate. The rate advertised can vary based on credit, age of vehicle, and terms of the loan. All rates disclosed are based on a maximum 75 basis point (0.75%) qualifying discount. Payment Example: A $45,000 RV loan financed with CoastHills Credit Union at 7.29% APR for 60 months will have a monthly payment of $897.19.

Used RV* For model years: 2017 & older Approx. Term APR as low as
12-60 months7.79%
$15,000 & over84 months8.29%
$20,000 & over120 months8.79%
$25,000 & over180 months9.29%

APR=Annual Percentage Rate. The rate advertised can vary based on credit, age of vehicle, and terms of the loan. All rates disclosed are based on a maximum 75 basis point (0.75%) qualifying discount. Payment Example: A $40,000 RV loan financed with CoastHills Credit Union at 7.79% APR for 60 months will have a monthly payment of $807.01.

New/Used Boat* Never Title/Previously Titled Approx. Term Rates as low as
12-60 months7.54% APR
$15,000 & over84 months8.04% APR
$20,000 & over120 months8.54% APR
$25,000 & over180 months9.04% APR

APR=Annual Percentage Rate. The rate advertised can vary based on credit, age of vehicle, and terms of the loan. All rates disclosed are based on a maximum 75 basis point (0.75%) qualifying discount. Payment Example: A $35,000 boat loan financed with CoastHills Credit Union at 7.54% APR for 60 months will have a monthly payment of $701.97.

Used Boat* For model years: 2017 & older Approx. Term Rates as low as
12-60 months8.04% APR
$15,000 & over84 months8.54% APR
$20,000 & over120 months9.04% APR
$25,000 & over180 months9.54% APR

APR=Annual Percentage Rate. The rate advertised can vary based on credit, age of vehicle, and terms of the loan. All rates disclosed are based on a maximum 75 basis point (0.75%) qualifying discount. Payment Example: A $35,000 boat loan financed with CoastHills Credit Union at 8.04% APR for 60 months will have a monthly payment of $710.31.

Line of Credit* Approx. Term Rates as low as
Revolving11.99% APR

APR=Annual Percentage Rate. 11.99% APR is our lowest rate for the Line of Credit. Your APR may vary depending on your credit score.

Credit Cards* Approx. Term APR as low as
Revolving10.74%

APR= Annual Percentage Rate. Your APR will be calculated using: Prime Rate + Margin of 2.24% to 9.74%, based on your credit worthiness. Not to exceed 17.99%. All applications are subject to credit approval. All rates are subject to change without notice.

Signature* Approx. Term APR as low as
60 months11.24%
Add 0.75% for Debt Consolidation11.99%

APR=Annual Percentage Rate. The rate advertised can vary based on credit and terms of the loan. 11.24% APR is the lowest rate and includes a maximum 25 basis point (0.25%) qualifying discount. Payment Example: A $10,000 Signature Loan financed with CoastHills Credit Union at 11.24% APR for 60 months will have a monthly payment of $218.61.

Share/Certificate Secured Approx. Term APR (above dividend)
Share Secured (100% of share balance)60 months3.5%
Certificate Secured (90% of cert balance)12 months3.5%
Credit Builder36 months3.5%

APR=Annual Percentage Rate.

Certificate Secured: The Annual Percentage Rate (APR) for Certificate secured advances will be the dividend rate being paid on the Certificate (Index) offered as security plus 3.5%. The Certificate must be renewed until the advance is completely paid. When the Certificate is renewed, the APR will change to reflect the new dividend rate. Any increase in the APR will result in more payments of the same amount until what you owe is repaid.

Auto & Motorcycle loans qualify for up to 75 basis points (0.75%) in discounts, including:
  • 50 basis point (0.50%) discount for automatic payments from a CoastHills checking account
  • 25 basis point (0.25%) discount for a refinance from another financial institution
  • 25 basis point (0.25%) eco-friendly discount for purchase of a hybrid or electric vehicle
  • up to 25 basis point (0.25%) relationship rewards discount

RV & Boat loans qualify for up to 75 basis points (0.75%) in discounts, including:
  • 50 basis point (0.50%) discount for automatic payments from a CoastHills checking account
  • 25 basis point (0.25%) discount for a refinance from another financial institution
  • up to 25 basis point (0.25%) relationship rewards discount

Signature loans qualify for up to 25 basis points (0.25%) in discounts, including:
  • up to 25 basis point (0.25%) relationship rewards discount

*Subject to credit approval. Certain other conditions may apply, please speak to a Member Services Officer for details. Rates are subject to change without notice.

 

 

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

FAQs

Your questions answered


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.

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