Coast Hills

Personal Loans

Lean on us.

Whether it’s a chance of a lifetime or an unexpected expense, we’re ready to lend a hand and make anything possible. And affordable.

Line of Credit

Borrow for any reason (even for overdraft protection on your CoastHills checking), and don’t pay a thing unless you use it. It’s a great way to be ready for anything life throws your way. And with a low, fixed rate, you won’t be hit with unexpected rate hikes. This makes it a cost-effective way to consolidate debt and pay off high interest credit. Get ready to start checking off your “to do” list.

emPowerSBC Home Upgrade Loans

If you want to upgrade your home, but can't afford the upfront costs, CoastHills and the Counties of Santa Barbara and San Luis Obispo want to help. emPowerSBC provides a low cost financing option to empower residents to upgrade their property through energy efficiency, water efficiency or renewable improvements. These improvements can save money, enhance your property, create local jobs and, of course, help the environment... a win-win for you and the community.  Click here for more information.

OnSpot Financing

Looking to pay for an uncovered medical or dental expense? OnSpot Financing is just what the doctor ordered. With an easy application, low fixed rates (usually much lower than other lenders), and zero hidden fees, you’ll be happy and healthy in no time.

Signature Loan

Yes, we want your autograph! With just your signature (and of course a credit check), you’ll be able to borrow between $500 to $40,000. We offer fixed and variable rate signature loans.

Share & Certificate Secured Loan

If you have money in a CoastHills savings account or certificate, you have access to a pretty special loan that let’s you borrow at a low rate—only 2% above the dividend rate. It’s a great way to make your money work for you.


Mobile Banking

Apple or Android, 
no judgement here.

Our iPhone and Android apps make mobile banking as easy as tapping your touchscreen. Use your smartphone or mobile device to stay on top of your finances - check balances, pay bills, set up alerts, transfer funds, even make remote deposits (it's as easy as taking a picture). The app is free and available at the Apple iTunes Store and Google Play

A nice way to say "hi" to your money. 

Relationship Rewards

Let's take our relationship
to the next level.

At CoastHills, we're in it for the long-haul. From financing your next car and home, to providing everything you need for quick and easy access to your money, we want to be the only financial institution you’ll need… from now to forever. Sound like a big goal? We’re ready to prove it with Relationship Rewards. It’s our way to say “thank you” for using CoastHills for all your financial services.   

Ready to take your membership to the next level?

33,000 ATMs
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