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: March 1, 2024

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

APY's and Dividend Rates effective 3/1/2024. For members only. APY calculation assumes no withdrawal of dividend. Dividends earned on daily balance. Dividend rates subject to change. Fees may reduce earnings.
The Annual Percentage & Yield Dividend Rate Sheet are supplements to the Account Information Disclosure & Funds Availability Notice & Fee Schedule.
Annual Percentage Yield (APY) and Dividend Rate changes are within Credit Union discretion.

Special Shares, Trust, Holiday, IRA & Roth IRA Accounts Rate APY
0.05%0.05%

APY's and Dividend Rates effective 3/1/2024. For members only. APY calculation assumes no withdrawal of dividend. Dividends earned on daily balance. Dividend rates subject to change. Fees may reduce earnings.
The Annual Percentage & Yield Dividend Rate Sheet are supplements to the Account Information Disclosure & Funds Availability Notice & Fee Schedule.
Annual Percentage Yield (APY) and Dividend Rate changes are within Credit Union discretion.

Early Savers Shares ¹ (available for youth account up to age 17) Rate APY
Up to $5005.50%5.64%
Above $5000.05%0.05%

APY's and Dividend Rates effective 3/1/2024. For members only. APY calculation assumes no withdrawal of dividend. Dividends earned on daily balance. Dividend rates subject to change. Fees may reduce earnings.
The Annual Percentage & Yield Dividend Rate Sheet are supplements to the Account Information Disclosure & Funds Availability Notice & Fee Schedule.
Annual Percentage Yield (APY) and Dividend Rate changes are within Credit Union discretion.
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.*

*For eligibility details, please speak to a Member Services Officer.

 

Freedom Plus Checking and Super Checking Accounts (eligibility required)2,3 Rate APY
Up to $25,0000.50%0.50%
Above $25,0000.05%0.05%

APY's and Dividend Rates effective 3/1/2024. For members only. APY calculation assumes no withdrawal of dividend. Dividends earned on daily balance. Dividend rates subject to change. Fees may reduce earnings.
The Annual Percentage & Yield Dividend Rate Sheet are supplements to the Account Information Disclosure & Funds Availability Notice & Fee Schedule.
Annual Percentage Yield (APY) and Dividend Rate changes are within Credit Union discretion.
2 High 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.
3 Criteria 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.

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 above1.05%1.06%

APY's and Dividend Rates effective 3/1/2024. For members only. APY calculation assumes no withdrawal of dividend. Dividends earned on daily balance. Dividend rates subject to change. Fees may reduce earnings.
The Annual Percentage & Yield Dividend Rate Sheet are supplements to the Account Information Disclosure & Funds Availability Notice & Fee Schedule.
Annual Percentage Yield (APY) and Dividend Rate changes are within Credit Union discretion.

Promotional Share and IRA Certificate Accounts4,7 Term Rate APY
$500 and above4-month term3.78%3.85%
7-month term4.75%4.85%

APY's and Dividend Rates effective 3/1/2024. For members only. APY calculation assumes no withdrawal of dividend. Dividends earned on daily balance. Dividend rates subject to change. Fees may reduce earnings.
The Annual Percentage & Yield Dividend Rate Sheet are supplements to the Account Information Disclosure & Funds Availability Notice & Fee Schedule.
Annual Percentage Yield (APY) and Dividend Rate changes are within Credit Union discretion.
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.
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.*

*For eligibility details, please speak to a Member Services Officer.

Share and IRA Certificate Accounts 4,5,6 Term APY Rate
$500 to $49,9993-5 months0.25%0.25%
6-11 months0.80%0.80%
12-23 months1.00%1.00%
24-35 months1.16%1.15%
36-47 months1.36%1.35%
48-59 months1.51%1.50%
60-83 months1.92%1.90%
84 months2.02%2.00%
$50,000+ (Mini-Jumbo)3-5 months0.25%0.25%
6-11 months0.80%0.80%
12-23 months1.00%1.00%
24-35 months1.16%1.15%
36-47 months1.36%1.35%
48-59 months1.51%1.50%
60-83 months1.92%1.90%
84 months2.02%2.00%
$100,000+ (Jumbo)3-5 months0.30%0.30%
6-11 months0.90%0.90%
12-23 months1.11%1.10%
24-35 months1.26%1.25%
36-47 months1.46%1.45%
48-59 months1.66%1.65%
60-83 months2.27%2.25%
84 months2.38%2.35%
$200,000+ (Super-Jumbo)3-5 months0.50%0.50%
6-11 months1.00%1.00%
12-23 months1.26%1.25%
24-35 months1.41%1.40%
36-47 months1.61%1.60%
48-59 months1.87%1.85%
60-83 months2.53%2.50%
84 months2.78%2.75%

APY's and Dividend Rates effective 3/1/2024. For members only. APY calculation assumes no withdrawal of dividend. Dividends earned on daily balance. Dividend rates subject to change. Fees may reduce earnings.
The Annual Percentage & Yield Dividend Rate Sheet are supplements to the Account Information Disclosure & Funds Availability Notice & Fee Schedule.
Annual Percentage Yield (APY) and Dividend Rate changes are within Credit Union discretion.
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%

APY's and Dividend Rates effective 3/1/2024. For members only. APY calculation assumes no withdrawal of dividend. Dividends earned on daily balance. Dividend rates subject to change. Fees may reduce earnings.
The Annual Percentage & Yield Dividend Rate Sheet are supplements to the Account Information Disclosure & Funds Availability Notice & Fee Schedule.
Annual Percentage Yield (APY) and Dividend Rate changes are within Credit Union discretion.

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%

APY's and Dividend Rates effective 3/1/2024. For members only. APY calculation assumes no withdrawal of dividend. Dividends earned on daily balance. Dividend rates subject to change. Fees may reduce earnings.
The Annual Percentage & Yield Dividend Rate Sheet are supplements to the Account Information Disclosure & Funds Availability Notice & Fee Schedule.
Annual Percentage Yield (APY) and Dividend Rate changes are within Credit Union discretion.

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

APY's and Dividend Rates effective 3/1/2024. For members only. APY calculation assumes no withdrawal of dividend. Dividends earned on daily balance. Dividend rates subject to change. Fees may reduce earnings.
The Annual Percentage & Yield Dividend Rate Sheet are supplements to the Account Information Disclosure & Funds Availability Notice & Fee Schedule.
Annual Percentage Yield (APY) and Dividend Rate changes are within Credit Union discretion.

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

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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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