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: June 1, 2026
| Basic Shares, Business Shares, Teen Scene, Sammy Savers Accounts | Rate | APY |
|---|---|---|
| $5.00 and above | 0.05% | 0.05% |
Dividends earned on daily balance. Fees may reduce earnings. Annual Percentage Yield (APY) and Dividend Rates are valid as of June 1, 2026, and subject to change at any time. APY calculation assumes no withdrawal of dividends. The annual percentage yield is accurate as of the last dividend declaration date. For accounts earning dividends, other than term share accounts, dividends are paid from current income and available earnings, after required transfers to reserves, at the end of a dividend period. For members of CoastHills Credit Union only.
This Deposit Rate Sheet is incorporated into, and a supplement to, the Membership and Account Agreement Disclosure. See the Consumer Fee Schedule or Business Fee Schedule for fee information, as applicable. For eligibility details, please speak to a Member Services Officer or visit CoastHills.coop.
| Special Shares, Holiday Club and IRA Share Accounts (Traditional and Roth) | Rate | APY |
|---|---|---|
| $0.01 and above | 0.05% | 0.05% |
Dividends earned on daily balance. Fees may reduce earnings. Annual Percentage Yield (APY) and Dividend Rates are valid as of June 1, 2026, and subject to change at any time. APY calculation assumes no withdrawal of dividends. The annual percentage yield is accurate as of the last dividend declaration date. For accounts earning dividends, other than term share accounts, dividends are paid from current income and available earnings, after required transfers to reserves, at the end of a dividend period. For members of CoastHills Credit Union only.
This Deposit Rate Sheet is incorporated into, and a supplement to, the Membership and Account Agreement Disclosure. See the Consumer Fee Schedule or Business Fee Schedule for fee information, as applicable. For eligibility details, please speak to a Member Services Officer or visit CoastHills.coop.
| Early Savers Shares (available for youth account up to age 17)1 | Rate | APY |
|---|---|---|
| Balances up to $500 | 5.50% | 5.64% |
| Balances $500.01 and above | 0.05% | 0.05% |
Dividends earned on daily balance. Fees may reduce earnings. Annual Percentage Yield (APY) and Dividend Rates are valid as of June 1, 2026, and subject to change at any time. APY calculation assumes no withdrawal of dividends. The annual percentage yield is accurate as of the last dividend declaration date. For accounts earning dividends, other than term share accounts, dividends are paid from current income and available earnings, after required transfers to reserves, at the end of a dividend period. For members of CoastHills Credit Union only.
This Deposit Rate Sheet is incorporated into, and a supplement to, the Membership and Account Agreement Disclosure. See the Consumer Fee Schedule or Business Fee Schedule for fee information, as applicable. For eligibility details, please speak to a Member Services Officer or visit CoastHills.coop.
1 Higher dividend APY will be paid on balances up to and including $500. Base dividend 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.
| Freedom Plus Checking and Super Checking Accounts (eligibility required)2,3 | Rate | APY |
|---|---|---|
| Qualifying balances up to $25,000 | 0.50% | 0.50% |
| Non-qualifying balances up to $25,000 | 0.05% | 0.05% |
| Balances $25,000.01 and above | 0.05% | 0.05% |
Dividends earned on daily balance. Fees may reduce earnings. Annual Percentage Yield (APY) and Dividend Rates are valid as of June 1, 2026, and subject to change at any time. APY calculation assumes no withdrawal of dividends. The annual percentage yield is accurate as of the last dividend declaration date. For accounts earning dividends, other than term share accounts, dividends are paid from current income and available earnings, after required transfers to reserves, at the end of a dividend period. For members of CoastHills Credit Union only.
This Deposit Rate Sheet is incorporated into, and a supplement to, the Membership and Account Agreement Disclosure. See the Consumer Fee Schedule or Business Fee Schedule for fee information, as applicable. For eligibility details, please speak to a Member Services Officer or visit CoastHills.coop.
2 Higher dividend APY will be paid on qualifying balances up to and including $25,000. Base dividend APY will be paid on balances that do not qualify for the high dividend APY, and on qualifying balances over $25,000.
3 Criteria required each month to receive the high dividend APY: 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 Bill Pay 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 Account4 | Rate | APY |
|---|---|---|
| $5,000 to $24,999.99 | 0.25% | 0.25% |
| $25,000 to $49,999.99 | 0.30% | 0.30% |
| $50,000 to $99,999.99 | 0.35% | 0.35% |
| $100,000 to $199,999.99 | 0.50% | 0.50% |
| $200,000 and above | 0.75% | 0.75% |
Dividends earned on daily balance. Fees may reduce earnings. Annual Percentage Yield (APY) and Dividend Rates are valid as of June 1, 2026, and subject to change at any time. APY calculation assumes no withdrawal of dividends. The annual percentage yield is accurate as of the last dividend declaration date. For accounts earning dividends, other than term share accounts, dividends are paid from current income and available earnings, after required transfers to reserves, at the end of a dividend period. For members of CoastHills Credit Union only.
This Deposit Rate Sheet is incorporated into, and a supplement to, the Membership and Account Agreement Disclosure. See the Consumer Fee Schedule or Business Fee Schedule for fee information, as applicable. For eligibility details, please speak to a Member Services Officer or visit CoastHills.coop.
4 This is a tiered-rate account (different rates apply to the specified account balance level). This account's tiered-rate method pays the stated Dividend Rate on the full balance in the account corresponding to the applicable balance tier. Only one APY applies to each tier.
| Peak Money Market Account4 | Rate | APY |
|---|---|---|
| $25,000 to $49,999.99 | 0.25% | 0.25% |
| $50,000 to $99,999.99 | 0.50% | 0.50% |
| $100,000 to $249,999.99 | 1.00% | 1.00% |
| $250,000 to $499,999.99 | 1.49% | 1.50% |
| $500,000 to $749,999.99 | 1.98% | 2.00% |
| $750,000 to $999,999.99 | 2.47% | 2.50% |
| $1,000,000 and above | 2.96% | 3.00% |
Dividends earned on daily balance. Fees may reduce earnings. Annual Percentage Yield (APY) and Dividend Rates are valid as of June 1, 2026, and subject to change at any time. APY calculation assumes no withdrawal of dividends. The annual percentage yield is accurate as of the last dividend declaration date. For accounts earning dividends, other than term share accounts, dividends are paid from current income and available earnings, after required transfers to reserves, at the end of a dividend period. For members of CoastHills Credit Union only.
This Deposit Rate Sheet is incorporated into, and a supplement to, the Membership and Account Agreement Disclosure. See the Consumer Fee Schedule or Business Fee Schedule for fee information, as applicable. For eligibility details, please speak to a Member Services Officer or visit CoastHills.coop.
4 This is a tiered-rate account (different rates apply to the specified account balance level). This account's tiered-rate method pays the stated Dividend Rate on the full balance in the account corresponding to the applicable balance tier. Only one APY applies to each tier.
| Promotional Share & IRA Certificate - 4-month term | Rate | APY |
|---|---|---|
| $500 to $49,999.99 | 3.25% | 3.30% |
| $50,000 to $99,999.99 (Mini-Jumbo) | 3.30% | 3.35% |
| $100,000 to $199,999.99 (Jumbo) | 3.35% | 3.40% |
| $200,000 and above (Super-Jumbo) | 3.40% | 3.45% |
Dividends earned on daily balance. Fees may reduce earnings. Annual Percentage Yield (APY) and Dividend Rates are valid as of June 1, 2026, and subject to change at any time. APY calculation assumes no withdrawal of dividends. The annual percentage yield is accurate as of the last dividend declaration date. For accounts earning dividends, other than term share accounts, dividends are paid from current income and available earnings, after required transfers to reserves, at the end of a dividend period. For members of CoastHills Credit Union only.
This Deposit Rate Sheet is incorporated into, and a supplement to, the Membership and Account Agreement Disclosure. See the Consumer Fee Schedule or Business Fee Schedule for fee information, as applicable. For eligibility details, please speak to a Member Services Officer or visit CoastHills.coop.
5 Minimum $500 opening deposit. Add-on feature available at any time, as long as the total of the deposits does not exceed the original opening deposit. Early Share Certificate withdrawals may be subject to penalties and will reduce earnings.
7 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.
| Promotional Share & IRA Certificate - 8-month term | Rate | APY |
|---|---|---|
| $500 to $49,999.99 | 3.30% | 3.35% |
| $50,000 to $99,999.99 (Mini-Jumbo) | 3.35% | 3.40% |
| $100,000 to $199,999.99 (Jumbo) | 3.40% | 3.45% |
| $200,000 and above (Super-Jumbo) | 3.45% | 3.51% |
Dividends earned on daily balance. Fees may reduce earnings. Annual Percentage Yield (APY) and Dividend Rates are valid as of June 1, 2026, and subject to change at any time. APY calculation assumes no withdrawal of dividends. The annual percentage yield is accurate as of the last dividend declaration date. For accounts earning dividends, other than term share accounts, dividends are paid from current income and available earnings, after required transfers to reserves, at the end of a dividend period. For members of CoastHills Credit Union only.
This Deposit Rate Sheet is incorporated into, and a supplement to, the Membership and Account Agreement Disclosure. See the Consumer Fee Schedule or Business Fee Schedule for fee information, as applicable. For eligibility details, please speak to a Member Services Officer or visit CoastHills.coop.
7 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.
| Promotional Share & IRA Certificate - 13-month term | Rate | APY |
|---|---|---|
| $500 to $49,999.99 | 3.44% | 3.49% |
| $50,000 to $99,999.99 (Mini-Jumbo) | 3.49% | 3.55% |
| $100,000 to $199,999.99 (Jumbo) | 3.54% | 3.60% |
| $200,000 and above (Super-Jumbo) | 3.59% | 3.65% |
Dividends earned on daily balance. Fees may reduce earnings. Annual Percentage Yield (APY) and Dividend Rates are valid as of June 1, 2026, and subject to change at any time. APY calculation assumes no withdrawal of dividends. The annual percentage yield is accurate as of the last dividend declaration date. For accounts earning dividends, other than term share accounts, dividends are paid from current income and available earnings, after required transfers to reserves, at the end of a dividend period. For members of CoastHills Credit Union only.
This Deposit Rate Sheet is incorporated into, and a supplement to, the Membership and Account Agreement Disclosure. See the Consumer Fee Schedule or Business Fee Schedule for fee information, as applicable. For eligibility details, please speak to a Member Services Officer or visit CoastHills.coop.
5 Minimum $500 opening deposit. Add-on feature available at any time, as long as the total of the deposits does not exceed the original opening deposit. Early Share Certificate withdrawals may be subject to penalties and will reduce earnings.
6 During 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 certificate of the same term.
7 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.
| Share and IRA Certificate Accounts 5,6 | Term | Rate | APY |
|---|---|---|---|
| $500 to $49,999 | 3-5 months | 0.25% | 0.25% |
| 6-11 months | 0.80% | 0.80% | |
| 12-23 months | 1.00% | 1.00% | |
| 24-35 months | 1.15% | 1.16% | |
| 36-47 months | 1.35% | 1.36% | |
| 48-59 months | 1.50% | 1.51% | |
| 60-83 months | 1.90% | 1.92% | |
| 84 months | 2.00% | 2.02% | |
| $50,000+ (Mini-Jumbo) | 3-5 months | 0.25% | 0.25% |
| 6-11 months | 0.80% | 0.80% | |
| 12-23 months | 1.00% | 1.00% | |
| 24-35 months | 1.15% | 1.16% | |
| 36-47 months | 1.35% | 1.36% | |
| 48-59 months | 1.50% | 1.51% | |
| 60-83 months | 1.90% | 1.92% | |
| 84 months | 2.00% | 2.02% | |
| $100,000+ (Jumbo) | 3-5 months | 0.30% | 0.30% |
| 6-11 months | 0.90% | 0.90% | |
| 12-23 months | 1.10% | 1.11% | |
| 24-35 months | 1.25% | 1.26% | |
| 36-47 months | 1.45% | 1.46% | |
| 48-59 months | 1.65% | 1.66% | |
| 60-83 months | 2.25% | 2.27% | |
| 84 months | 2.35% | 2.38% | |
| $200,000+ (Super-Jumbo) | 3-5 months | 0.50% | 0.50% |
| 6-11 months | 1.00% | 1.00% | |
| 12-23 months | 1.25% | 1.26% | |
| 24-35 months | 1.40% | 1.41% | |
| 36-47 months | 1.60% | 1.61% | |
| 48-59 months | 1.85% | 1.87% | |
| 60-83 months | 2.50% | 2.53% | |
| 84 months | 2.75% | 2.78% |
Dividends earned on daily balance. Fees may reduce earnings. Annual Percentage Yield (APY) and Dividend Rates are valid as of June 1, 2026, and subject to change at any time. APY calculation assumes no withdrawal of dividends. The annual percentage yield is accurate as of the last dividend declaration date. For accounts earning dividends, other than term share accounts, dividends are paid from current income and available earnings, after required transfers to reserves, at the end of a dividend period. For members of CoastHills Credit Union only.
This Deposit Rate Sheet is incorporated into, and a supplement to, the Membership and Account Agreement Disclosure. See the Consumer Fee Schedule or Business Fee Schedule for fee information, as applicable. For eligibility details, please speak to a Member Services Officer or visit CoastHills.coop.
5 Minimum $500 opening deposit. Add-on feature available at any time, as long as the total of the deposits does not exceed the original opening deposit. Early Share Certificate withdrawals may be subject to penalties and will reduce earnings.
6 During 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 certificate of the same term.
| 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 June 1, 2026, and subject to change at any time. APY calculation assumes no withdrawal of dividends. The annual percentage yield is accurate as of the last dividend declaration date. For accounts earning dividends, other than term share accounts, dividends are paid from current income and available earnings, after required transfers to reserves, at the end of a dividend period. For members of CoastHills Credit Union only.
This Deposit Rate Sheet is incorporated into, and a supplement to, the Membership and Account Agreement Disclosure. See the Consumer Fee Schedule or Business Fee Schedule for fee information, as applicable. For eligibility details, please speak to a Member Services Officer or visit CoastHills.coop.
| Preferred Plus Business Checking & IOLTA Checking Accounts (min. opening deposit $100)4 | Rate | APY |
|---|---|---|
| $2,500 to $99,999.99 | 0.10% | 0.10% |
| $100,000 to $249,999.99 | 0.20% | 0.20% |
| $250,000 to $999,999.99 | 0.30% | 0.30% |
| $1,000,000 and above | 0.40% | 0.40% |
Dividends earned on daily balance. Fees may reduce earnings. Annual Percentage Yield (APY) and Dividend Rates are valid as of June 1, 2026, and subject to change at any time. APY calculation assumes no withdrawal of dividends. The annual percentage yield is accurate as of the last dividend declaration date. For accounts earning dividends, other than term share accounts, dividends are paid from current income and available earnings, after required transfers to reserves, at the end of a dividend period. For members of CoastHills Credit Union only.
This Deposit Rate Sheet is incorporated into, and a supplement to, the Membership and Account Agreement Disclosure. See the Consumer Fee Schedule or Business Fee Schedule for fee information, as applicable. For eligibility details, please speak to a Member Services Officer or visit CoastHills.coop.
4 This is a tiered-rate account (different rates apply to the specified account balance level). This account's tiered-rate method pays the stated Dividend Rate on the full balance in the account corresponding to the applicable balance tier. Only one APY applies to each tier.
| Preferred Plus Business Checking4 only | Rate | APY |
|---|---|---|
| $25M to $34,999,999.99 | 2.15% | 2.17% |
| $35M and above | 2.25% | 2.27% |
Dividends earned on daily balance. Fees may reduce earnings. Annual Percentage Yield (APY) and Dividend Rates are valid as of June 1, 2026, and subject to change at any time. APY calculation assumes no withdrawal of dividends. The annual percentage yield is accurate as of the last dividend declaration date. For accounts earning dividends, other than term share accounts, dividends are paid from current income and available earnings, after required transfers to reserves, at the end of a dividend period. For members of CoastHills Credit Union only.
This Deposit Rate Sheet is incorporated into, and a supplement to, the Membership and Account Agreement Disclosure. See the Consumer Fee Schedule or Business Fee Schedule for fee information, as applicable. For eligibility details, please speak to a Member Services Officer or visit CoastHills.coop.
4 This is a tiered-rate account (different rates apply to the specified account balance level). This account's tiered-rate method pays the stated Dividend Rate on the full balance in the account corresponding to the applicable balance tier. Only one APY applies to each tier.
CoastHills Credit Union is a full-service financial institution with 11 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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