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Coast Hills

Business Loans

Credit that helps you grow your investments—from machinery to office renovations. CoastHills offers business loan and credit products suited for every business—so you can continue making a difference. Here’s what we offer:

Equipment Loans
Getting the nuts and bolts should be the easy part of your job. Whether you’re buying medical equipment, heavy machinery, or hardware or software, we offer loans for the big stuff.

Details:

  • Fixed monthly payments
  • Variable or fixed interest rate options available
  • Flexible terms and repayments options available
  • Can be used for heavy-duty trucks (2.5 tons or more)


Agricultural Loans

We’re from the Central Coast. We get it. Agricultural equipment is expensive— yet it yields a positive ROI. Come to CoastHills when you need to buy land or new machinery for your business.

Details:

  • Fixed monthly payments
  • Variable or fixed interest rate options available
  • Up to 10 years to repay
  • Quarterly, semi-annual or annual payments for members with seasonal revenue


Commercial Real Estate
When the time comes to grow, move or renovate your commercial space, we’ll help you do it (well, except for the actual moving part). We can however, offer you a competitively-priced commercial real estate loan to get you the money you need.

Details:

  • Fixed monthly payments
  • Take up to 15 years amortized over 30 years
  • Variable or fixed interest rate options available


Construction and Development Loans
As soon as the ink dries on your latest land acquisition, get a short-term construction and development loan.

Details:

  • Interest-only monthly payments
  • Variable or fixed interest rate options available
  • Funds disbursed based on construction schedule


SFR Construction Loans

Details:

  • Non-revolving Loan
  • Variable or fixed interest rate options available
  • Terms up to 1 year


SFR Non-Owner Occupied Investment Properties

Details:

  • Variable or fixed interest rates options available
  • Up to 15 year repayment term
  • Amortization periods as long as 30 years


Lines of Credit

Details:

  • Interest-only monthly payments
  • Variable interest rate
  • Secured and unsecured options available
  • Revolving/non-revolving credit line options
  • Typically 1 year, renewing annually
  • Draw funds as you need them
  • Variable or fixed interest rates


Standby Letters of Credit
Use as a financial guarantee to a third party that your business will fulfill its contractual obligations.

Details:

  • The guarantee replaces the creditworthiness of the member with that of the credit union, providing financial enhancement to the underlying transaction
  • Frees up cash that would otherwise have to be held in escrow
  • Secured and unsecured options available
  • Payment begins when letter is activated
  • Fixed interest rate


Term Loans
Use to finance inventory and materials, refinance existing debt, or as permanent working capital.

Details:

  • Fixed monthly payments
  • Take up to 8 years to repay
  • Secured and unsecured options available
  • Variable or fixed interest rate options available


Looking to conserve your working capital? For loan options with a lower down payment and more flexibility with repayment and maturity terms, we offer SBA loans.

AnyTime Online Mobile Banking

A nice way to say “hi” to your money.

We make it easy to stay connected to your money—wherever your adventures take you. Use your smartphone or mobile device to stay on top of your finances, check account balances, pay bills, set up alerts, even make remote deposits (it’s as easy as taking a picture). The app is free and available at the Apple App Store and Google Play.

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Real Estate Loan

Real Estate Loans

Let's buy a house together.

Our real estate lending team can help guide you through one of life’s biggest financial decisions—buying or refinancing a home. And with many different ways to borrow, you’ll have a monthly payment that fits you like a comfy pair of socks. Learn more