Coasthills Credit Union Lompoc CA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Coasthills, your trusted financial partner in the heart of Lompoc, CA. Since our establishment in 1958, we have been dedicated to serving our community with integrity and care. Located at 1320 N H St, we are proud to be a part of this vibrant city, helping over 79,000 members achieve their financial goals. At Coasthills, we understand that every member has unique needs. That's why we offer a range of services tailored just for you from checking and savings accounts to auto loans and mortgage options. With total assets of over $1.8 billion and total deposits reaching $149,472,081, you can trust that your money is safe and well-managed under our care. Our commitment doesn't stop at banking; it extends to supporting our community. We believe in giving back and fostering growth among our members and their families. Under the leadership of CEO James Ledford and Board President Homero Contreras, we're not just about numbers; we're about people. While members can visit us at our branch, official correspondence should be sent to our mailing address: PO Box 8000, Santa Maria, CA 93456. Whether you're looking for assistance with a loan or simply want to explore your options, we invite you to reach out. Call us at 805-733-7600 or visit our website at Coasthills.coop for more information. Join us on this journey toward financial success together, we can make a difference!

Branch History & Mission

Coasthills has been a cornerstone of the Lompoc community since it first opened its doors in 1958. Over the decades, this branch has grown and evolved, becoming a trusted partner in financial services for nearly 79,000 members. Located at 1320 N H St, Lompoc, CA 93436, our branch is easily accessible and surrounded by familiar landmarks that make it a central part of our community. At Coasthills, we pride ourselves on our mission to empower members with quality financial solutions while fostering a spirit of community support. We strive to make banking easier for everyone by offering personal banking options such as checking and savings accounts, auto loans, mortgage refinancing, and credit cards with rewards. Our commitment extends beyond just financial products; we are dedicated to enhancing the lives of those we serve through outreach programs and partnerships with local organizations. While members can visit us at our branch location, official correspondence should be sent to our mailing address: PO Box 8000, Santa Maria, CA 93456. Our operating hours are designed to accommodate your busy schedule: Monday through Thursday from 9:00 AM to 5:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 10:00 AM to 1:00 PM. Additionally, we offer ATM services and drive-thru banking for added convenience. In a time when technology is ever-changing, Coasthills remains committed to providing modern banking solutions. We have embraced digital advancements like online banking and mobile payments while ensuring ADA compliance so that everyone can access our services comfortably. Our shared service center further enhances convenience by allowing members of partner credit unions to conduct transactions with us. As we continue to grow now boasting total assets of over $1.8 billion we remain focused on our core values of integrity and community engagement. Our history is rich with milestones that reflect not only our growth but also our dedication to making a positive impact in the lives of our members. Join us at Coasthills today! Experience firsthand the benefits of being part of a credit union that truly cares about you and your financial journey. Let's build a brighter future together! For more information or inquiries, feel free to call us at 805-733-7600 or visit us online at www.coasthills.coop.

Branch Location & Accessibility

Banking Hours Tailored for You

We understand that everyone has different schedules. That's why our lobby hours are set to accommodate various needs: we're open Monday through Thursday from 9:00 AM to 5:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 10:00 AM to 1:00 PM. Whether you need to conduct business during the week or prefer weekend banking, we've got you covered!

Get in Touch!

Have questions or ready to start your banking journey with us? Don't hesitate to call us at 805-733-7600. We're excited to welcome you into our community and help you achieve your financial goals!

Services Designed for Your Lifestyle

At Coasthills Lompoc Branch, we offer a wide array of services tailored just for you. From personal banking options like checking and savings accounts to auto loans and mortgages, we aim to support your financial journey every step of the way. Need cash? We have an ATM on-site for your convenience! Plus, enjoy the ease of drive-thru banking for quick transactions without leaving your car. Additionally, our shared service center means that if you're a member of partner credit unions, you can also access basic transaction services right here at our branch.

Visit Us with Ease

At Coasthills, we prioritize accessibility. Our branch is designed to be friendly for everyone, featuring ADA-compliant facilities and ramps for easy entry. We have ample parking available so you won't have to worry about finding a spot when you visit us. While members can visit us at 1320 N H St, official correspondence should be sent to PO Box 8000, Santa Maria, CA 93456.

Member Eligibility

Becoming a member of Coasthills is like stepping into a warm and welcoming community where your financial needs are truly understood. If you live, work, worship, or attend school in the Lompoc area, you're already on your way to joining us! We also welcome family members of existing members, making it easy for you to share the benefits with those you care about. At Coasthills, we believe in providing personalized service and empowering our members with the tools they need to thrive financially. Joining us is simple! To start your membership journey, just give us a call at (805) 733-7600 or visit our branch located at 1320 N H St Lompoc Ca 93436. For more detailed eligibility criteria, feel free to check out our website at . We're excited to help you open an account and take advantage of everything we have to offer!

Business Banking & Commercial Services

Loan Options That Matter

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.

Merchant Services for Everyday Needs

In addition to loans, we offer merchant services that simplify how you manage transactions. Picture this: accepting payments seamlessly from customers while keeping track of sales effortlessly. Our services can help streamline your cash flow and improve your bottom line. Located at 1320 N H St Lompoc Ca 93436 in Lompoc, CA, our dedicated team is here to support your business every step of the way. Contact us at (805) 733-7600 to learn more about how we can partner for your success!

Comprehensive List Of Services

Always Here for You

At Coasthills, we're more than just a credit union; we're part of the community. Located at 1320 N H St Lompoc Ca 93436, our friendly staff is ready to assist you during our operating hours: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 10 AM to 1 PM. If you have any questions or need assistance, don't hesitate to reach out at (805) 733-7600. As we continue serving our members with dedication and care, we invite you to explore all the ways we can support your financial journey. Visit us today or check out our website at http://www.coasthills .coop for more information!

Business Banking Solutions

For small business owners, we provide essential services such as merchant services and business loans. Our team is here to help you navigate your financial options so you can focus on growing your business without worrying about cash flow issues.

Convenient Access

We know that life can get busy, which is why we offer features like ATM and cash withdrawal services, along with basic drive-thru banking for quick transactions like deposits and withdrawals. Our shared branch transactions enable members from partner credit unions to easily access their funds without any hassle.

Credit Cards with Rewards

Our credit cards with rewards allow you to earn points on every purchase you make, which can be redeemed for cash back, travel discounts, or gift cards. This way, you get more out of your everyday spending while enjoying the flexibility of credit.

Loans Made Simple

If you're in the market for an auto loan or vehicle financing, look no further. We provide competitive rates that make it easier for you to drive away in the car you love. For those considering purchasing a home, our mortgage loans and refinancing options are tailored to fit various budgets and financial situations. We also offer personal loans and debt consolidation services for members looking to simplify their finances or cover unexpected expenses.

Personal Banking

When it comes to personal banking, we offer checking and savings accounts that cater to your lifestyle. Imagine having easy access to your funds through our user-friendly online and mobile banking services. You can check balances, transfer money, and pay bills right from your smartphone or computer making banking not just easier but more convenient.

Digital & Online Banking

Key Features

Our online banking services provide you with 24/7 access to your accounts, allowing you to check balances, pay bills, and transfer funds at your convenience. Whether you are on your lunch break or lounging at home, everything you need is just a click away. Plus, with our electronic signature authorization, signing documents has never been easier or more secure. If you prefer to manage your finances on the go, don't forget to download our mobile application! It offers all the functionalities of online banking right in your pocket. You can also take advantage of mobile payments for quick and hassle-free transactions. Imagine paying for coffee or groceries without having to pull out cash or cards!

Secure and Accessible

We prioritize your security at every step. Our systems are designed to protect your personal information while providing user-friendly features that make banking straightforward. Want to send money to a friend? Use our person-to-person transfer option it's simple and fast! You can also opt for e-statements, which help reduce paper clutter and keep your financial records organized and accessible whenever you need them. With these tools at your fingertips, real-time account management is just a part of your everyday life. At Coasthills, we're committed to making banking easier so you can focus on what matters most. Explore all our digital offerings today by visiting http://www.coasthills.coop !

Financial Strength

A Growing Community Trusts Us

We manage a strong member base with 151,419 total share accounts, showcasing the trust that our community places in us. Our net shares amount to $45,746,637, indicating funds available for lending and investments. 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 1320 N H St Lompoc Ca 93436 or call 805-733-7600 to learn more about how we can help you achieve your financial goals.

Commitment to Member Service

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 lending capacity supports members' financial goals across various sectors with $17,557 in used auto loans and an impressive total of $1,263,452,825 in total loans and leases. Our commitment to operational efficiency is reflected in our net income of -$106,666, which shows our focus on adjusting strategies for better performance while serving you effectively. We also take pride in having 263 full-time employees and 39 part-time employees, ensuring our branches are always ready to assist you with a knowledgeable and committed team.

Secure Savings Opportunities

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.

Strong Financial Foundation

With a net worth of $137,586,401, we maintain robust 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 are here to make your car-buying experience smooth and affordable.

Business Loans

For business owners looking to expand their operations, our outstanding commercial loans totaling $175,119,107 provide the capital necessary for growth. Whether you're starting a new venture or upgrading equipment, we have financing solutions tailored for your business needs.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $76,891,151, providing you with the flexibility you need for your housing needs.

Refinancing Options

If you're considering refinancing any of your existing loans or mortgages for better rates or terms, we're here to assist you through that process. Feel free to reach out for eligibility options and guidance on how to best navigate your refinancing journey. At Coasthills, we pride ourselves on transparency and accessibility. For any inquiries or if you wish to discuss which loan option suits you best, don't hesitate to call us at 805-733-7600. Remember that performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. We look forward to helping you take the next step in achieving your financial goals!

Unsecured Credit Card Loans

We also understand the importance of flexible credit options. Our unsecured credit card loans total $89,893,557, enabling our members to manage their finances effectively without the burden of collateral.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This tool empowers users to make informed decisions without the stress of sifting through countless offers. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This means that all offers displayed are fair and transparent, giving users peace of mind as they explore their options. One key benefit of using LendMesh is its commitment to verified data. Loan offers are sourced from legitimate financial institutions, ensuring transparency in every transaction. Additionally, LendMesh does not feature sponsored listings; lenders are not prioritized based on paid promotions. This guarantees that users receive unbiased results tailored to their needs. The platform also provides real-time rate comparisons, allowing users to view up-to-date loan rates from multiple institutions at once. This feature helps individuals make well-informed choices about their borrowing options without the hassle of constant research. Thousands of users trust LendMesh for their loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Testimonials like this demonstrate the reliability and effectiveness of LendMesh in helping people secure better loan terms. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

COASTHILLS FEDERAL CREDIT UNION