It's this simple: We like giving you money

At CoastHills, our Checking, Money Market, Certificate and retirement accounts all earn dividends that move you steadily toward your financial goals. Check out the rates below.

Effective Date: May 28, 2024

Basic Shares, Business Shares, Teen Scene, Sammy Savers Accounts (min. deposit $5.00) Rate APY
$5.00 and above0.05%0.05%

Dividends earned on daily balance. Fees may reduce earnings. Annual percentage yield (APY) and dividend rates are valid as of May 28, 2024 and subject to change at any time. APY calculation assumes no withdrawal of dividend. The annual percentage yield is accurate as of the last dividend declaration date. For members of CoastHills Credit Union only. This page is a supplement to the Truth in Savings Disclosure, Funds Availability Notice and Fee Schedule.

Special Shares, Trust, Holiday, IRA & Roth IRA Accounts Rate APY
$0.01 and above0.05%0.05%

Dividends earned on daily balance. Fees may reduce earnings. Annual percentage yield (APY) and dividend rates are valid as of May 28, 2024 and subject to change at any time. APY calculation assumes no withdrawal of dividend. The annual percentage yield is accurate as of the last dividend declaration date. For members of CoastHills Credit Union only. This page is a supplement to the Truth in Savings Disclosure, Funds Availability Notice and Fee Schedule.

Early Savers Shares ¹ (available for youth account up to age 17) Rate APY
Balances up to $5005.50%5.64%
Balances $500.01 and above0.05%0.05%

Dividends earned on daily balance. Fees may reduce earnings. Annual percentage yield (APY) and dividend rates are valid as of May 28, 2024 and subject to change at any time. APY calculation assumes no withdrawal of dividend. The annual percentage yield is accurate as of the last dividend declaration date. For members of CoastHills Credit Union only. This page is a supplement to the Truth in Savings Disclosure, Funds Availability Notice and Fee Schedule.

1 High dividend of 5.64% APY will be paid on balances up to and including $500. Base dividend of 0.05% APY will be paid on balances over $500. Available for children ages newborn to 17 years of age. Limit one Early Savers Share per membership account. Certain conditions apply. Our Early Savers Shares is a tiered-rate account. Dividend rate is paid only on the portion of the balance that falls within each specified tier.

Freedom Plus Checking and Super Checking Accounts (eligibility required)2,3 Rate APY
Qualifying balances up to $25,0000.50%0.50%
Non-qualifying balances up to $25,0000.05%0.05%
Balances $25,000.01 and above0.05%0.05%

Dividends earned on daily balance. Fees may reduce earnings. Annual percentage yield (APY) and dividend rates are valid as of May 28, 2024 and subject to change at any time. APY calculation assumes no withdrawal of dividend. The annual percentage yield is accurate as of the last dividend declaration date. For members of CoastHills Credit Union only. This page is a supplement to the Truth in Savings Disclosure, Funds Availability Notice and Fee Schedule.

2High dividend of 0.50% APY will be paid on qualifying balances up to and including $25,000. Base dividend of 0.05% APY will be paid on balances that do not qualify for high dividend, and for all qualifying balances over $25,000.
3Criteria required each month to receive high dividend APY and to receive ATM refunds (ATM refunds only available on Super Checking accounts): receive a minimum of one direct deposit of at least $100 to the checking account, or complete a check or cash deposit of at least $500 each month, perform a minimum of 10 debit card transactions (ATM and BillPay transactions not included), sign up to receive eStatements only, and maintain a valid email address on file with CoastHills. Minimum balance to open is $50. There are no minimum daily balance requirements. Our Freedom Plus Checking and Super Checking are tiered-rate accounts. Dividend rate is paid only on the portion of the balance that falls within each specified tier.

Money Market Account (min. opening deposit $5,000) Rate APY
$5,000 to $24,999.990.25%0.25%
$25,000 to $49,999.990.30%0.30%
$50,000 to $99,999.990.35%0.35%
$100,000 to $199,999.990.50%0.50%
$200,000 and above0.75%0.75%

Dividends earned on daily balance. Fees may reduce earnings. Annual percentage yield (APY) and dividend rates are valid as of May 28, 2024 and subject to change at any time. APY calculation assumes no withdrawal of dividend. The annual percentage yield is accurate as of the last dividend declaration date. For members of CoastHills Credit Union only. This page is a supplement to the Truth in Savings Disclosure, Funds Availability Notice and Fee Schedule.

Our Money Market is a tiered-rate account. Dividend rate is paid only on the portion of the balance that falls within each specified tier.

Peak Money Market Account (minimum balance $25,000) Rate APY
$25,000 to $49,999.990.25%0.25%
$50,000 to $99,999.990.50%0.50%
$100,000 to $249,999.991.00%1.00%
$250,000 to $499,999.991.49%1.50%
$500,000 to $749,999.991.98%2.00%
$750,000 to $999,999.992.47%2.50%
$1,000,000 and above2.96%3.00%

Dividends earned on daily balance. Fees may reduce earnings. Annual percentage yield (APY) and dividend rates are valid as of May 28, 2024 and subject to change at any time. APY calculation assumes no withdrawal of dividend. The annual percentage yield is accurate as of the last dividend declaration date. For members of CoastHills Credit Union only. This page is a supplement to the Truth in Savings Disclosure, Funds Availability Notice and Fee Schedule.

Our Peak Money Market is a tiered-rate account. Dividend rate is paid only on the portion of the balance that falls within each specified tier.

Promotional Share and IRA Certificate Accounts Term Rate APY
$500 and above5 & 10 months4,74.12%4.20%
15 months4,5,74.12%4.20%

Dividends earned on daily balance. Fees may reduce earnings. Annual percentage yield (APY) and dividend rates are valid as of May 28, 2024 and subject to change at any time. APY calculation assumes no withdrawal of dividend. The annual percentage yield is accurate as of the last dividend declaration date. For members of CoastHills Credit Union only. This page is a supplement to the Truth in Savings Disclosure, Funds Availability Notice and Fee Schedule.

4 Add-on feature available at anytime, as long as the total of the deposits does not exceed the original opening deposit. A penalty may be imposed for early withdrawal.
5During the term of the certificate, new certificates with terms of 12 months or more have a dividend rate bump option allowing one dividend adjustment to the dividend rate of a certifiate of the same term.
7 Minimum $500 opening deposit. The promotional certificates earn the promotional rate only during the initial term. At maturity, the certificate will renew for the same term at the rate offered by the Credit Union as of that date. Early Share Certificate withdrawals may be subject to penalties and will reduce earnings.

Share and IRA Certificate Accounts 4,5,6 Term Rate APY
$500 to $49,9993-5 months0.25%0.25%
6-11 months0.80%0.80%
12-23 months1.00%1.00%
24-35 months1.15%1.16%
36-47 months1.35%1.36%
48-59 months1.50%1.51%
60-83 months1.90%1.92%
84 months2.00%2.02%
$50,000+ (Mini-Jumbo)3-5 months0.25%0.25%
6-11 months0.80%0.80%
12-23 months1.00%1.00%
24-35 months1.15%1.16%
36-47 months1.35%1.36%
48-59 months1.50%1.51%
60-83 months1.90%1.92%
84 months2.00%2.02%
$100,000+ (Jumbo)3-5 months0.30%0.30%
6-11 months0.90%0.90%
12-23 months1.10%1.11%
24-35 months1.25%1.26%
36-47 months1.45%1.46%
48-59 months1.65%1.66%
60-83 months2.25%2.27%
84 months2.35%2.38%
$200,000+ (Super-Jumbo)3-5 months0.50%0.50%
6-11 months1.00%1.00%
12-23 months1.25%1.26%
24-35 months1.40%1.41%
36-47 months1.60%1.61%
48-59 months1.85%1.87%
60-83 months2.50%2.53%
84 months2.75%2.78%

Dividends earned on daily balance. Fees may reduce earnings. Annual percentage yield (APY) and dividend rates are valid as of May 28, 2024 and subject to change at any time. APY calculation assumes no withdrawal of dividend. The annual percentage yield is accurate as of the last dividend declaration date. For members of CoastHills Credit Union only. This page is a supplement to the Truth in Savings Disclosure, Funds Availability Notice and Fee Schedule.

4 Add-on feature available at anytime, as long as the total of the deposits does not exceed the original opening deposit. A penalty may be imposed for early withdrawal.
5 During the term of the certificate, new certificates with terms of 12 months or more have a dividend rate bump option that allows one dividend adjustment to the dividend rate of a certificate of the same term.
6 Minimum $500 deposit. Early Share Certificate withdrawals may be subject to penalties and will reduce account earnings.

Health Savings Accounts Rate APY
1.00%1.00%

Dividends earned on daily balance. Fees may reduce earnings. Annual percentage yield (APY) and dividend rates are valid as of May 28, 2024 and subject to change at any time. APY calculation assumes no withdrawal of dividend. The annual percentage yield is accurate as of the last dividend declaration date. For members of CoastHills Credit Union only. This page is a supplement to the Truth in Savings Disclosure, Funds Availability Notice and Fee Schedule.

Preferred Plus Business Checking & IOLTA Checking Accounts (min. opening deposit $100) Rate APY
$2,500 to $99,999.990.10%0.10%
$100,000 to $249,999.990.20%0.20%
$250,000 to $999,999.990.30%0.30%
$1,000,000 and above0.40%0.40%

Dividends earned on daily balance. Fees may reduce earnings. Annual percentage yield (APY) and dividend rates are valid as of May 28, 2024 and subject to change at any time. APY calculation assumes no withdrawal of dividend. The annual percentage yield is accurate as of the last dividend declaration date. For members of CoastHills Credit Union only. This page is a supplement to the Truth in Savings Disclosure, Funds Availability Notice and Fee Schedule.

Our Preferred Plus Business Checking & IOLTA Checking are tiered-rate accounts. Dividend rate is paid only on the portion of the balance that falls within each specified tier.

Preferred Plus Business Checking only Rate APY
$25M to $34,999,999.992.15%2.17%
$35M and above2.25%2.27%

Dividends earned on daily balance. Fees may reduce earnings. Annual percentage yield (APY) and dividend rates are valid as of May 28, 2024 and subject to change at any time. APY calculation assumes no withdrawal of dividend. The annual percentage yield is accurate as of the last dividend declaration date. For members of CoastHills Credit Union only. This page is a supplement to the Truth in Savings Disclosure, Funds Availability Notice and Fee Schedule.

Our Preferred Plus Business Checking is a tiered-rate account. Dividend rate is paid only on the portion of the balance that falls within each specified tier.

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

FAQs

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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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