Mortgage Rates


Your home sweet home deserves an equally attractive loan

At CoastHills, we roll out the welcome mat for borrowers by offering a variety of mortgage options with money-saving rates. Choose a loan that fits your finances and enjoy having extra funds for decorating, remodeling and repairs.

Effective Date: March 1, 2024

Term Rate Points APR Est. Payment
15-Year Fixed6.375%0.0006.521%$2,592.75
30-Year Fixed6.625%0.0006.714%$1,920.93
5/5 ARM5.750%0.0005.835%$1,750.72
15/15 ARM6.750%0.0006.840%$1,945.79

APR=Annual Percentage Rate. Rate based on $300,000 loan amount, 80% CLTV, 730 credit score, rate/term refinance of primary single-family residence (no cash out). Estimated payment assumes down payment of 20% for purchases and does not include property insurance and taxes. Example: the table above illustrates rates based on credit history and are subject to credit approval. Rates subject to change without notice. The rate lock period is 60 days. Membership qualifications apply.

Term Rate Points APR Est. Payment
30-Year Fixed6.250%0.0006.317%$1,847.15

APR=Annual Percentage Rate. Rate based on $300,000 loan amount, 80% CLTV, 730 credit score, rate/term refinance of primary single-family residence (no cash out). Estimated payment assumes down payment of 20% for purchases and does not include property insurance and taxes. Must meet VA eligibility requirements to qualify. Example: the table above illustrates rates based on credit history and are subject to credit approval. Rates subject to change without notice. The rate lock period is 60 days. Membership qualifications apply.

Term Rate Points APR Est. Payment
30-Year Fixed6.625%0.0006.652%$6,403.11

APR=Annual Percentage Rate. Rate based on $1,000,000 loan amount, 80% CLTV, 730 credit score, rate/term refinance of primary single-family residence (no cash out). Estimated payment assumes down payment of 20% for purchases and does not include property insurance and taxes. Example: the table above illustrates rates based on credit history and are subject to credit approval. Rates subject to change without notice. The rate lock period is 60 days. Membership qualifications apply.

Term Rate Points APR Est. Payment
15-Year Fixed8.000%0.0008.336%$955.65
20-Year Fixed8.250%0.0008.589%$852.07

APR=Annual Percentage Rate. Rate  based on $300,000 loan amount, 80% CLTV, 730 credit score, rate/term refinance of primary single-family residence (no cash out). Estimated payment does not include property insurance and taxes. Example: the table above illustrates rates based on credit history and are subject to credit approval. Rates subject to change without notice. The rate lock period is 60 days. Membership qualifications apply.

HELOC Approx. Term Rates as low as
$10,000 to $300,00010-year draw9.500%

Rate=Annual Percentage Rate. Your variable rate will be calculated using: Prime Rate + Margin of 1.000% to 1.750%, based on your credit worthiness. Not to exceed 18.000%. 10-year draw period, followed by a 15-year repayment period. Interest only during draw period. Rate is CLTV of 80% or less, owner occupied homes and requires a FICO score of 730+. Higher rates may apply, depending on CLTV and credit. All loans are subject to credit approval. Membership qualifications apply.

Your rate and terms may differ depending on your credit score. All applications are subject to credit approval. All rates are subject to change without notice. Additional pricing and term options are available. Speak to a CoastHills Mortgage Loan Officer for more details.

Conforming Rates:
$10,000 - $726,200

Jumbo Loans:
Up to a maximum of $2,000,000 aggregate of all CoastHills Credit Union loans.

High Balance Loans:
High balance loans cannot exceed $150,000 cash-out.

Santa Barbara San Luis Obispo Monterey Ventura Santa Cruz
$805,000.00 $911,950.00 $915,400.00 $948,750.00 $1,089,300.00

Effective: 2023

  Rate: As of:
Prime Rate: 8.5000 7/26/2023
Average Prime Rate Offer (APOR): 6.3500 2/26/2024
5 YR Treasury Constant Maturity: 4.2600 3/1/2024
10 YR Treasury Constant Maturity: 4.2700 3/1/2024

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