Coasthills Credit Union Atascadero CA | Affordable Auto Loans & Mortgage Refinancing

Introduction

Welcome to Coasthills, your trusted financial partner right here in Atascadero, California. Established in 1958, our Atascadero Branch is dedicated to serving our community with personalized banking solutions that fit your lifestyle. Located at 8900 Pueblo Ave, Atascadero, CA 93422, we pride ourselves on being more than just a credit union; we're a part of your neighborhood. With over 79,000 members and total assets exceeding $1.8 billion, Coasthills is committed to providing the resources and support you need for your financial journey. Our branch offers a variety of services, including personal banking, auto loans, mortgage options, and business banking solutions tailored to meet your needs. Whether you're looking to save for the future or secure financing for a new vehicle, our team is ready to help. As part of our dedication to the community, we understand the importance of transparency and reliability in banking. That's why we maintain a strong net worth of $137,586,401 and have cash reserves totaling $18,115,478 ensuring that we are always here for you when it counts. Under the leadership of CEO James Ledford and Board President Homero Contreras, our experienced team of 302 employees is passionate about empowering our members through education and service. While members can visit us at our Atascadero location, official correspondence should be sent to our mailing address: PO Box 8000, Santa Maria, CA 93456. For any questions or assistance, don't hesitate to reach out by phone at 805-733-7600. Explore all that Coasthills has to offer by visiting our website at Coasthills.coop. We invite you to become a part of our community-focused credit union family today!

Branch History & Mission

Community Engagement

We believe that being part of the community means actively engaging with it. Over the years, we have forged partnerships with local organizations to support initiatives that benefit everyone from educational programs to financial literacy workshops. We are dedicated to providing resources that uplift those around us.

Join Us Today!

As we look toward the future, we invite you to become part of the Coasthills family. Experience firsthand how we blend exceptional financial services with genuine community care. Whether you're looking for a new bank or simply seeking advice on your financial journey, we're here for you every step of the way. For any inquiries or assistance, feel free to reach out at 805-733-7600 or visit us in person at our Atascadero branch. Join us today and discover how Coasthills can help you achieve your financial goals!

Modern Banking Experience

In today's fast-paced world, we understand the importance of accessibility and convenience. That's why we offer robust online and mobile banking options. With features like e-statements and mobile payments available to our members, managing finances has never been easier or more efficient. Our branch operates Monday through Thursday from 9:00 AM to 5:00 PM and Friday until 6:00 PM. For those on-the-go, we are pleased to provide ATM availability for quick cash withdrawals and balance checks.

Our Mission

At Coasthills, our mission goes beyond just banking; it's about building relationships and making a difference. We strive to enhance the financial well-being of our members while fostering a sense of belonging within our community. Our commitment includes providing a wide range of services such as personal banking, auto loans, mortgages, credit cards with rewards, and business banking solutions. While members can visit us at 8900 Pueblo Ave, official correspondence should be sent to PO Box 8000, Santa Maria, CA 93456. This ensures all communication remains smooth and effective.

Branch Location & Accessibility

Call to Action

We invite you to visit us at Coasthills' Atascadero Branch today! If you have any questions or need assistance before stopping by, feel free to call us at 805-733-7600. We're excited to help you reach your financial goals!

Nearby Landmarks and Accessibility

Our branch is easily accessible and close to several well-known spots in the area. You can find us near the beautiful Atascadero Lake Park, making it a great stop if you're enjoying a day outdoors. We pride ourselves on offering ample parking for our members, so you can visit us without any hassle. Plus, our location is ADA compliant, ensuring everyone can access our services comfortably.

Operating Hours and Services

We understand that life gets busy! That's why our lobby hours are designed to fit your schedule: we're open Monday through Thursday from 9 AM to 5 PM and Fridays from 9 AM to 6 PM. Our friendly staff is ready to assist you with a range of services including personal banking options like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking solutions. For added convenience, we offer ATM access for cash withdrawals and balance checks. While we currently do not have drive-thru banking available at this branch, our shared service center allows members from partner credit unions to perform basic transactions like deposits and withdrawals.

Member Eligibility

Joining the Coasthills family means becoming part of a warm, supportive community where your financial needs are prioritized. To become a member of Coasthills, simply meet a few friendly eligibility criteria. You can qualify if you live, work, or worship in San Luis Obispo County or if you're affiliated with one of our partner organizations. We believe in inclusivity, so we encourage anyone who meets these criteria to reach out and see how we can support you on your financial journey. For more detailed information about eligibility, feel free to visit our website at . Opening an account is straightforward! Just stop by our branch located at 8900 Pueblo Ave, Atascadero, CA 93422, or give us a call at (805) 733-7600. Our team is ready to help you navigate the process and answer any questions you might have. We look forward to welcoming you into our community!

Business Banking & Commercial Services

Enhancing Transactions with Merchant Services

Imagine being able to accept payments from customers seamlessly, whether they prefer credit cards, mobile payments, or other options. Our merchant services make this possible. They not only simplify transactions but also help you manage your cash flow effectively. By providing these essential tools, we empower you to focus on what matters most growing your business. Located at 8900 Pueblo Ave Atascadero Ca 93422, Atascadero, CA, our team is ready to partner with you in your journey toward success. Give us a call at (805) 733-7600 to learn more about how we can assist your business today!

Unlocking Business Growth with Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $227 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $15 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $175,119,107, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Banking at Your Fingertips

In today's fast-paced world, convenience is key. Our online and mobile banking platforms allow you to access your accounts anytime, anywhere. Whether it's checking your balance, transferring funds, or making payments, you'll find our digital features easy to navigate. Plus, with ATM access for withdrawals and balance checks available through our network, managing your money has never been simpler.

Credit Cards That Reward You

Why not earn rewards while you spend? Our credit cards come with great rewards programs, allowing you to benefit from your everyday purchases. Whether you use them for groceries or travel, you'll find that these cards are designed with your lifestyle in mind.

Personal Banking Made Simple

When it comes to personal banking, we offer everything you need for your day-to-day financial activities. Our checking and savings accounts are designed to fit various lifestyles, whether you're saving for a big purchase or managing everyday expenses. If you're considering purchasing a new car or refinancing an existing vehicle, our auto loans and vehicle financing options make the process smooth and hassle-free. For those looking to buy a home or refinance an existing mortgage, our mortgage loans come with competitive rates and flexible terms. We understand that life can be unpredictable, so our personal loans and debt consolidation services are available to help you manage unexpected expenses or simplify your finances.

Shared Branching for Greater Accessibility

As part of our commitment to serving you better, we also offer basic shared branch transactions for members of partner credit unions. This means deposits and withdrawals can be made easily at various locations beyond just Coasthills. We invite you to experience the full range of services available at Atascadero Branch. For any questions or assistance regarding our offerings, please don't hesitate to contact us at (805) 733-7600. Visit us today and let's work together towards achieving your financial goals!

Supporting Your Business Ventures

If you're a business owner, Coasthills offers specialized services to support your entrepreneurial journey. From merchant services that make transactions easier for your customers to business loans that help you expand or invest in your operations, we are here to assist every step of the way.

Digital & Online Banking

Key Features

Our mobile application makes banking even more accessible. You can deposit checks, view transaction history, and manage your accounts right from your smartphone. Plus, with mobile payments, making purchases is as easy as tapping your phone no need for cash or cards. For those times when you want to send money to friends or family quickly, our person-to-person transfers feature allows you to do just that. It's fast, safe, and incredibly convenient. Security is always a top priority at Coasthills. We use robust measures to protect your personal information. You can even sign documents electronically with our electronic signature authorization feature making it easier than ever to complete transactions without having to visit the branch. Additionally, we offer e-statements, so you can keep track of your finances without the clutter of paper statements. It's all about making banking as easy and efficient as possible. In summary, our digital and online banking options at Coasthills provide the convenience and security you need in today's fast-paced world. Join us today and experience how easy managing your finances can be!

Financial Strength

Commitment to Growth and Innovation

With $135,897,841 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our capacity to lend is reflected in our $17,557 in used auto loans and $1,263,452,825 in total loans and leases, supporting your financial goals across various sectors.

Growing Member Base

Total Share and Deposit Accounts stand at 151,419, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments) amount to $45,746,637, further solidifying our ability to meet your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Coasthills is your trusted partner. Visit us at 8900 Pueblo Ave Atascadero Ca 93422 or call (805) 733-7600 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $499,117,097 in share certificates and $142,428,906 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $30,499,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is highlighted by a net income of $-106,666, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 263 full-time employees and 39 part-time employees who ensure our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Foundation

With a net worth of $137,586,401, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $762 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $308,539,857 in used vehicle loans and $134,609,440 in new vehicle loans already helping members get on the road. We also have options for refinancing existing auto loans if you're looking to lower your monthly payments or interest rates.

Business Loans

For business owners, our outstanding commercial loans totaling $175,119,107 provide the capital needed to grow and expand your operations. We understand the challenges businesses face and are committed to providing tailored financing solutions that work for you. At Coasthills located at 8900 Pueblo Ave Atascadero Ca 93422, we pride ourselves on delivering personalized service that meets your unique financial needs. You can reach us at 805-733-7600 during our operating hours: Monday through Thursday from 9:00 AM to 5:00 PM and Friday from 9:00 AM to 6:00 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore our loan offerings today and discover how we can assist you in achieving your financial dreams!

Credit Cards and Personal Loans

Managing your expenses is easier with our flexible terms on unsecured credit card loans. We currently offer a total of $89,893,557 in unsecured credit card loans that help members manage their finances effectively. Additionally, if you're considering personal loans for debt consolidation or other needs, our competitive rates can help you achieve your financial objectives.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $76,891,151, make buying or refinancing simple. We guide you through the mortgage process to ensure you find the best loan for your situation. If you're interested in refinancing an existing mortgage, our team can assist you in exploring eligibility options.

Loan Aggregator

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COASTHILLS FEDERAL CREDIT UNION - Atascadero, CA