Life is unpredictable. That's why CoastHills offers several Consumer Loan products to help you finance unexpected vacations and unplanned problems. If you don't see a loan for your particular need, contact us with your special request.
Apply for a loan online.
View Current Loan Rates.
View & Print a loan application.
Signature Loan
With a minimum payment as low as $25, signature loans are convenient and manageable. Fixed and variable rate signature loans are available. Borrow $250 to $25,000.
Line of Credit
These San Luis Obispo County, CA loans are ready lines of cash available for unexpected expenses. The Line of Credit can also act as overdraft protection on your CoastHills checking account. This loan costs nothing unless you use it. Borrow up to $25,000.
Share & Certificate Secured Loan
This loan allows you to borrow against your own money. Pay only 2% above the dividend rate. This option is great if you need your cash before maturity.
Computer Loan
Use this loan to buy a computer, printer, scanner, or to get connected to the Internet. Borrow up to $2,500 for a 24-month term.
Loan Protection
Loan protection is available on all of our San Luis Obispo County, CA consumer loans and may cover balance, payment, or interest of your loan in the event of a personal hardship. Loan protection is completely voluntary and is not required to obtain credit, nor is it a factor in making our credit decision.
Option 1 - Full payment coverage
- Loss of life
- Disability
- Involuntary unemployment
- Family leave
- Single: $3.00 per $1,000 of outstanding balance
- Joint: $5.40 per $1,000 of outstanding balance
Option 2 - Interest only protection
- Loss of life
- Interest cancellation disability
- Interest cancellation involuntary unemployment
- Interest cancellation family leave
- Single: $1.87 per $1,000 of outstanding balance
- Joint: $3.00 per $1,000 of outstanding balance
Option 3 - Life coverage only
- Loss of life
- Single: $.50 per $1,000 of outstanding balance
- Joint: $.90 per $1,000 of outstanding balance
If the outstanding balance is greater than $50,000, the rate will not be applied to the amount that exceeds $50,000. Contact us for more information regarding Loan Protection.
Service members Civil Relief Act
If you have been called to active duty, you may be eligible for a lower interest rate on debts incurred before your active duty status.
Under the Soldier's and Sailor's Civil Relief Act, as soon as an individual goes on active duty (or receives orders to report for active duty), that person may begin paying 6 percent interest on obligations incurred prior to active duty. Outstanding balances on lines of credit taken out prior to active duty, including credit card lending, home equity lines of credit, home mortgages, car loans, share secured loans, and signature loans, will be subject to a 6 percent interest rate limit during active duty.
The Act does not relieve active duty service members of obligations to repay debts. The 6 percent interest rate limit does not apply to new advances under an existing credit card or home equity line of credit program. In addition, the rate limitation does not apply to loans granted under the Guaranteed Student Loan Program. However, the Department of Education has in the past deferred or suspended payments on student loans for service members called to active duty.
If you've been called to active duty, please contact us.
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Your Community Bank
Coast Hills Federal Credit Union offers fast, friendly, and flexible options for that cover the full range from personal lines of credit to San Luis Obispo County, CA home loans options and friendly treatment every step of the way in services that cover the full range from business banking and real estate loans to home and car insurance. Get started today; call (805) 733-7600 or contact us online.
