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Advertiser Disclosure
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 Coasthills Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 9, 2026
Coasthills Credit Union's 15-Year Fixed rates are at 5.62%, VA First Lien Mortgage Loans 30-Year Fixed rates are at 5.88%, 30-Year Fixed Jumbo First Lien Mortgage Loans rates are at 6.25%. Coasthills Credit Union's Personal Loan Rates are at 4.75%. MonitorBankRates evaluates the financial stability of Coasthills Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.74%. Rates were last updated on 04/09/2026. Coasthills Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Coasthills Credit Union? Share your experience about Coasthills Credit Union by leaving a review below, or read customer reviews before you decide to use Coasthills Credit Union. Coasthills Credit Union
Santa Maria HQ 1075 E Betteravia Rd
https://coasthills.coop/ Santa Maria, CA 93454 
Coasthills Credit Union Savings Rates
Coasthills Credit Union Checking Rates
Coasthills Credit Union Mortgage Rates
Coasthills Credit Union Home Equity & HELOC
Coasthills Credit Union Auto Loan Rates
Coasthills Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Coasthills Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Coasthills Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Coasthills Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Coasthills Credit Union
Website
https://coasthills.coop/
Address
1075 E Betteravia Rd,
Santa Maria, CA 93454
Phone
805-733-7600
Fax
805-733-4230
President
Kristopher "Kris" Andrews
CEO
Paul Cook
Full-Time Employees
259
Part-Time Employees
38
Branch Locations
13
ATM Locations
12
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.74%
Return on Assets (ROA)
0.2231%
Return on Equity (ROE)
2.8917%
Non-Performing Loans Ratio (NPL)
0.29%
Total Assets
1,795,667,147
Total Amount of Shares and Deposits
1,442,629,759
Total Shares and Deposits < 1 Year
1,300,401,262
Total Shares and Deposits 1 3 Years
133,092,994
Total Shares and Deposits > 3 Years
9,135,503
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
79,753,040
Total Uninsured Shares and Deposits > $250K (F+J)
79,753,040
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,362,876,719
Total Interest Expense (Sum of items 6 8)
17,038,131
Share Certificates
6,636
Number of Accounts for Share Drafts
45,191
IRA KEOGH Accounts
2,104
Number of Accounts for Regular Shares
77,930
All other shares
9,660
Non Member Deposits
9
Money Market Shares
3,432
Net Income (unless the amount is already included in Undivided Earnings)
4,005,555
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
87,834,061
Total Liabilities
1,666,376,182
Source: NCUA — Last Updated 09/30/2023
Frequently Asked Questions About Coasthills Credit UnionIs Coasthills Credit Union a safe place to deposit money?Yes, Coasthills Credit Union is considered a safe financial institution. With a Texas Ratio of 2.7430315290606%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Coasthills Credit Union operate?Coasthills Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Coasthills Credit Union?Yes, to access services at Coasthills Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Coasthills Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Coasthills Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Coasthills Credit Union offer online and mobile banking?Most modern institutions like Coasthills Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://coasthills.coop/. Compare to Other Credit Unions
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