Coasthills Credit Union Santa Maria CA | Quick Auto Loans & Business Banking

Introduction

Welcome to Coasthills, your trusted partner in financial well-being, proudly serving the Santa Maria community since 1958. Located at 1125 E Clark Ave, Santa Maria, CA 93455, our Orcutt Branch is dedicated to providing personalized banking solutions that meet your unique needs. With over 79,000 members and total assets exceeding $1.8 billion, we are committed to supporting our members and enhancing their financial journeys. At Coasthills, we believe in making a positive impact in our community. Our focus extends beyond just numbers; we aim to build lasting relationships with our members through exceptional service. We manage $149,472,081 in deposits and have provided a total of 52,324 loans, ensuring that our members have access to the funds they need for their personal and business goals. Under the leadership of CEO James Ledford and Board President Homero Contreras, our team of over 300 employees is here to help you navigate your financial options confidently. Whether you're looking for checking accounts, auto loans, mortgage refinancing, or business banking solutions, we have services tailored just for you. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address: PO Box 8000, Santa Maria, CA 93456. Explore more about what Coasthills has to offer by visiting our website at coasthills.coop. We invite you to reach out at 805-733-7600 or stop by during our operating hours: Monday through Thursday from 9:00 AM to 5:00 PM and Friday until 6:00 PM. Join us today and discover how Coasthills can help you achieve your financial dreams!

Branch History & Mission

Join Us!

We invite you to become part of the Coasthills family! Experience firsthand how we can help you achieve your financial goals while contributing to a vibrant community. Visit us during our operating hours Monday through Thursday from 9:00 am to 5:00 pm and Friday until 6:00 pm or give us a call at 805-733-7600. Together, let's build a brighter financial future!

Our Evolution

Over the years, Coasthills has achieved significant milestones that reflect our commitment to growth and innovation. With total assets now reaching an impressive $1,804,620,743, we are well-equipped to provide a wide range of financial services. From auto loans to mortgage financing and credit cards with rewards, our offerings are designed to meet the diverse needs of our members. As we evolved, we embraced technology to enhance our services. We offer online banking and mobile payments to make managing your finances more convenient than ever. Our commitment to accessibility is evident through our ADA-compliant facilities and customer-centric initiatives.

Our Mission

At the heart of Coasthills lies our mission: to empower our members through exceptional financial services while fostering community support. We believe that strong communities build strong individuals. That's why we actively engage in outreach efforts and partnerships that benefit local organizations and initiatives. While members can visit us at 1125 E Clark Ave for all their banking needs, official correspondence should be sent to PO Box 8000, Santa Maria, CA 93456 if needed.

Branch Location & Accessibility

Accessibility Features

We understand that convenience matters. That's why our branch offers ample parking and is fully ADA compliant, ensuring that everyone can access our services easily. If you're looking for quick service, take advantage of our drive-thru banking option for deposits, withdrawals, and other simple transactions without leaving your vehicle.

Operating Hours

Our doors are open Monday through Thursday from 9:00 AM to 5:00 PM and on Friday from 9:00 AM to 6:00 PM, making it easy for you to visit us during your busy week. Need immediate assistance? Feel free to call us at 805-733-7600 during these hours.

Services Available

At Coasthills, we offer a range of personal banking services including checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and even business banking solutions. Plus, with ATM availability on-site and shared service options with partner credit unions, managing your finances has never been easier. While members can visit us at 1125 E Clark Ave Santa Maria Ca 93455, official correspondence should be sent to PO Box 8000, Santa Maria, CA 93456. We invite you to come by and discover how we can support your financial journey! Whether you're new to banking or looking for tailored services that fit your lifestyle, we're excited to meet you at the Coasthills Orcutt Branch!

Member Eligibility

Becoming a member of Coasthills is like joining a caring community where your financial well-being matters. If you're interested in joining us, you'll be pleased to know that membership is open to anyone who lives, works, or worships in our local area. Additionally, family members of existing members are also welcome to join! This inclusive approach ensures that you can enjoy all the benefits we offer, from personal banking services to various loan options tailored just for you. To learn more about the specific eligibility criteria, feel free to visit our website at . The process of opening an account with us is straightforward and welcoming. You can easily start your membership journey by reaching out to us at (805) 733-7600 or visiting us in person at our branch located at 1125 E Clark Ave Santa Maria Ca 93455. Our friendly team is here to guide you through every step and answer any questions you may have. Join us today and experience the supportive environment at Coasthills, where we prioritize your financial goals!

Business Banking & Commercial Services

Business Loan Options

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

Alongside our loan offerings, we provide comprehensive merchant services that simplify transactions for local businesses. Picture this: a bustling café using our payment processing solutions to keep lines moving smoothly during peak hours. Our services ensure that you can focus on serving your customers while we handle the financial details. Visit us at 1125 E Clark Ave Santa Maria Ca 93455 in Santa Maria, CA, or give us a call at (805) 733-7600 to learn more about how we can assist your business today!

Comprehensive List Of Services

Auto Loans and Vehicle Financing

If you're in the market for a new vehicle, consider our Auto Loans & Vehicle Financing options. We understand that purchasing a car can be daunting, which is why we strive to provide competitive rates and flexible terms that fit your budget. Picture yourself driving off in that new car with an affordable loan from us!

Business Banking

Running a business? Our Business Banking services include Merchant Services and Business Loans designed specifically for entrepreneurs like you. We understand the challenges of managing finances while growing a business and are committed to providing tailored solutions.

Credit Cards with Rewards

Maximize your spending power with our Credit Cards featuring rewards programs. Use them for everyday purchases and watch as points accumulate, giving you the chance to earn rewards on what you already buy!

Drive-Thru and Shared Branch Transactions

Need assistance on-the-go? Utilize our Basic Drive-Thru Banking for quick deposits and withdrawals without leaving your vehicle. Additionally, as part of our commitment to accessibility, we offer Basic Shared Branch Transactions so members from partner credit unions can easily conduct deposits and withdrawals at our location. At Coasthills, we're not just about banking; we're about building relationships within our community. If you're ready to experience personalized service along with comprehensive financial solutions, give us a call at (805) 733-7600 or visit us at 1125 E Clark Ave Santa Maria Ca 93455 in Santa Maria today! Your financial journey starts here!

Mortgage Loans & Refinancing

For those looking to purchase their dream home or refinance their current mortgage, we offer comprehensive Mortgage Loans & Refinancing solutions. Our knowledgeable staff can guide you through the process, helping you understand your options and find the best rates available.

Online & Mobile Banking

Embrace convenience with our Online & Mobile Banking features. You can manage your accounts anytime, anywhere whether it's paying bills or transferring money between accounts all from your smartphone or computer.

Personal Banking

Our personal banking services are designed to give you flexibility and convenience. We offer Checking & Savings Accounts that cater to your daily financial needs. Imagine having easy access to your funds while earning interest on your savings! Plus, our ATM & Cash Withdrawal Services make it simple to manage your cash flow.

Personal Loans & Debt Consolidation

Life can sometimes throw unexpected expenses your way. That's where our Personal Loans & Debt Consolidation services come into play. Whether you need funds for home repairs or want to simplify your finances by consolidating debt, we're here to support you with straightforward lending options.

Digital & Online Banking

Key Features for Your Convenience

One of the highlights of our digital banking is the ability to set up e-statements. You can say goodbye to paper clutter and easily view your statements online whenever you need them. Plus, our electronic signature authorization feature makes signing documents a breeze no more printing or mailing required! For those on the go, our mobile application allows you to manage your accounts right from your smartphone. With options like mobile payments, you can make purchases directly from your device, making shopping easier than ever. Additionally, our person-to-person transfer service lets you send money quickly to friends and family without any hassle.

Security You Can Trust

We prioritize your security at Coasthills. All transactions made through our digital banking platform are encrypted to protect your information. You can bank with peace of mind knowing that your data is safe with us. In summary, whether you're looking to pay bills, check balances, or transfer money, Coasthills has the digital tools you need for effective account management. Experience the convenience today by visiting us at http://www.coasthills.coop !

Financial Strength

Investing Back Into Our Community

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 is robust; with $17,557 in used auto loans and $1,263,452,825 in total loans and leases, we support your financial goals across various sectors.

Member-Centric Savings Options

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 operations reflect efficiency as shown by our $-106,666. This allows 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, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Foundations

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.

Strong Membership Base

Total Share Accounts: 151,419, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $45,746,637. In conclusion, 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 1125 E Clark Ave Santa Maria Ca 93455 or call (805) 733-7600 to learn more about how we can help you achieve your financial goals.

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 provide flexible terms and competitive interest rates, ensuring you can find a financing option that fits your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $175,119,107 provide the capital needed to grow and expand. We understand the unique challenges businesses face and are dedicated to offering solutions that help you thrive.

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 are here to guide you through the process of securing your future home with ease and confidence.

Refinancing Options

If you're considering refinancing any of your existing loans, we can help. Our team will work with you to explore eligibility options that can lower your payments or adjust your loan terms to better suit your current financial situation. At Coasthills, we prioritize transparency and support throughout your lending journey. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. For more information or assistance, feel free to reach out to us at (805) 733-7600 or visit us at our location at 1125 E Clark Ave Santa Maria Ca 93455 in Santa Maria, CA. Your financial success is our mission!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $89,893,557 in loans helping members manage their finances effectively. Our credit cards come with various rewards and benefits, making it easier to handle everyday expenses while earning perks along the way.

Loan Aggregator

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Ensuring Accurate Comparisons

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COASTHILLS FEDERAL CREDIT UNION