CoastHills Credit Union CD Rates

How CoastHills Credit Union’s CD rates compare

Compared with banks and credit unions near Santa Maria, CA, where CoastHills Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
CoastHills Credit Union
3.49%APY
Term
13 months
Minimum
$500
Earns on $10,000
$379
Promotional Share Certificate
Top rate
Kinecta
4.35%APY
Term
18 months
Minimum
$100
Earns on $10,000
$660
Kinecta rates
2nd-highest rate
Golden 1 Credit Union
4.30%APY
Term
9 months
Minimum
$500
Earns on $10,000
$321
Golden 1 Credit Union rates

Compare CD rates near you →

68

CD score

Higher than 21% of U.S. banks and credit unions

By term

3–8 months3–8 mo3.35%
9–15 months9–15 mo3.49%
16–30 months16–30 mo1.16%
31–60 months31–60 mo1.92%
QualifiedQualified3.49%

Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.

How the score works →

Where CoastHills Credit Union ranks

By CD score, in each area where it has branches

Every rate

Current CD rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Promotional Share Certificate

Up to 3.49%APY · 3 termsPromotionalFrom $500 to open

Limited time promotional certificate rate. Minimum $500 opening deposit. Add-on feature available at any time, as long as total deposits do not exceed original opening deposit. Early withdrawals may be subject to penalties and reduce earnings. For terms of 12 months or more, dividend rate bump option allows one dividend adjustment to the dividend rate of a certificate of the same term. Promotional certificates earn promotional rate only during initial term; renews at maturity for same term at prevailing rate.

Earnings on $10,000 over the term.
Term	APY · $500 – $50,000	APY · $50,000 – $100,000	APY · $100,000 – $200,000	APY · $200,000 and up	APY	Earns on $10,000Earns
4 months	3.30%	—	—	—	3.30%	$109
4 monthsJumbo	—	—	3.40%	—	—3.40% $100k–$200k	—
4 monthsMini-Jumbo	—	3.35%	—	—	—3.35% $50k–$100k	—
4 monthsSuper-Jumbo	—	—	—	3.45%	—3.45% from $200k	—
8 months	3.35%	—	—	—	3.35%	$222
8 monthsJumbo	—	—	3.45%	—	—3.45% $100k–$200k	—
8 monthsMini-Jumbo	—	3.40%	—	—	—3.40% $50k–$100k	—
8 monthsSuper-Jumbo	—	—	—	3.51%	—3.51% from $200k	—
13 months	3.49%	—	—	—	3.49%	$379
13 monthsJumbo	—	—	3.60%	—	—3.60% $100k–$200k	—
13 monthsMini-Jumbo	—	3.55%	—	—	—3.55% $50k–$100k	—
13 monthsSuper-Jumbo	—	—	—	3.65%	—3.65% from $200k	—

Sources (2)

All captured Oct 6, 2026

Share Certificate Account

Up to 2.02%APY · 8 termsFrom $500 to open

Minimum $500 opening deposit. No monthly fee. Add-on feature available at any time as long as total of deposits does not exceed original opening deposit. Early withdrawals may be subject to penalties (less than 1 year: forfeiture of up to 90 days dividends; 12 months or greater: up to 180 days; 60 months or greater: up to 365 days) and reduce earnings. For certificates with terms of 12 months or more, dividend rate bump option allows one dividend adjustment during the term to the dividend rate of a certificate of the same term.

Earnings on $10,000 over the term.
Term	APY · $500 – $49,999	APY · $50,000 and up	APY · $100,000 and up	APY · $200,000 and up	APY	Earns on $10,000Earns
3–5 months	0.25%	—	—	—	0.25%	$6
3–5 monthsJumbo	—	—	0.30%	—	—0.30% from $100k	—
3–5 monthsMini-Jumbo	—	0.25%	—	—	—0.25% from $50k	—
3–5 monthsSuper-Jumbo	—	—	—	0.50%	—0.50% from $200k	—
6–11 months	0.80%	—	—	—	0.80%	$40
6–11 monthsJumbo	—	—	0.90%	—	—0.90% from $100k	—
6–11 monthsMini-Jumbo	—	0.80%	—	—	—0.80% from $50k	—
6–11 monthsSuper-Jumbo	—	—	—	1.00%	—1.00% from $200k	—
12–23 months	1.00%	—	—	—	1.00%	$100
12–23 monthsJumbo	—	—	1.11%	—	—1.11% from $100k	—
12–23 monthsMini-Jumbo	—	1.00%	—	—	—1.00% from $50k	—
12–23 monthsSuper-Jumbo	—	—	—	1.26%	—1.26% from $200k	—
24–35 months	1.16%	—	—	—	1.16%	$233
24–35 monthsJumbo	—	—	1.26%	—	—1.26% from $100k	—
24–35 monthsMini-Jumbo	—	1.16%	—	—	—1.16% from $50k	—
24–35 monthsSuper-Jumbo	—	—	—	1.41%	—1.41% from $200k	—
36–47 months	1.36%	—	—	—	1.36%	$414
36–47 monthsJumbo	—	—	1.46%	—	—1.46% from $100k	—
36–47 monthsMini-Jumbo	—	1.36%	—	—	—1.36% from $50k	—
36–47 monthsSuper-Jumbo	—	—	—	1.61%	—1.61% from $200k	—
48–59 months	1.51%	—	—	—	1.51%	$618
48–59 monthsJumbo	—	—	1.66%	—	—1.66% from $100k	—
48–59 monthsMini-Jumbo	—	1.51%	—	—	—1.51% from $50k	—
48–59 monthsSuper-Jumbo	—	—	—	1.87%	—1.87% from $200k	—
60–83 months	1.92%	—	—	—	1.92%	$998
60–83 monthsJumbo	—	—	2.27%	—	—2.27% from $100k	—
60–83 monthsMini-Jumbo	—	1.92%	—	—	—1.92% from $50k	—
60–83 monthsSuper-Jumbo	—	—	—	2.53%	—2.53% from $200k	—
84 months	2.02%	—	—	—	2.02%	$1,503
84 monthsJumbo	—	—	2.38%	—	—2.38% from $100k	—
84 monthsMini-Jumbo	—	2.02%	—	—	—2.02% from $50k	—
84 monthsSuper-Jumbo	—	—	—	2.78%	—2.78% from $200k	—

Sources (2)

All captured Oct 6, 2026

Special-purpose accounts

Promotional IRA Certificate

Up to 3.49%APY · 3 termsIRAPromotionalFrom $500 to open

Limited time promotional certificate rate. Minimum $500 opening deposit. Add-on feature available at any time, as long as total deposits do not exceed original opening deposit. Early withdrawals may be subject to penalties and reduce earnings. For terms of 12 months or more, dividend rate bump option allows one dividend adjustment to the dividend rate of a certificate of the same term. Promotional certificates earn promotional rate only during initial term; renews at maturity for same term at prevailing rate. Individual Retirement Account (IRA) Share Certificates have specific tax, financial, and contribution implications.

Earnings on $10,000 over the term.
Term	APY · $500 – $50,000	APY · $50,000 – $100,000	APY · $100,000 – $200,000	APY · $200,000 and up	APY	Earns on $10,000Earns
4 months	3.30%	—	—	—	3.30%	$109
4 monthsJumbo	—	—	3.40%	—	—3.40% $100k–$200k	—
4 monthsMini-Jumbo	—	3.35%	—	—	—3.35% $50k–$100k	—
4 monthsSuper-Jumbo	—	—	—	3.45%	—3.45% from $200k	—
8 months	3.35%	—	—	—	3.35%	$222
8 monthsJumbo	—	—	3.45%	—	—3.45% $100k–$200k	—
8 monthsMini-Jumbo	—	3.40%	—	—	—3.40% $50k–$100k	—
8 monthsSuper-Jumbo	—	—	—	3.51%	—3.51% from $200k	—
13 months	3.49%	—	—	—	3.49%	$379
13 monthsJumbo	—	—	3.60%	—	—3.60% $100k–$200k	—
13 monthsMini-Jumbo	—	3.55%	—	—	—3.55% $50k–$100k	—
13 monthsSuper-Jumbo	—	—	—	3.65%	—3.65% from $200k	—

Sources (2)

All captured Oct 6, 2026

IRA Certificate Account

Up to 2.02%APY · 8 termsIRAFrom $500 to open

Minimum $500 opening deposit. Add-on feature available at any time as long as total of deposits does not exceed original opening deposit. Early withdrawals may be subject to penalties and reduce earnings. For certificates with terms of 12 months or more, dividend rate bump option allows one dividend adjustment during the term to the dividend rate of a certificate of the same term. Individual Retirement Account (IRA) Share Certificates have tax, financial, and contribution implications.

Earnings on $10,000 over the term.
Term	APY · $500 – $49,999	APY · $50,000 and up	APY · $100,000 and up	APY · $200,000 and up	APY	Earns on $10,000Earns
3–5 months	0.25%	—	—	—	0.25%	$6
3–5 monthsJumbo	—	—	0.30%	—	—0.30% from $100k	—
3–5 monthsMini-Jumbo	—	0.25%	—	—	—0.25% from $50k	—
3–5 monthsSuper-Jumbo	—	—	—	0.50%	—0.50% from $200k	—
6–11 months	0.80%	—	—	—	0.80%	$40
6–11 monthsJumbo	—	—	0.90%	—	—0.90% from $100k	—
6–11 monthsMini-Jumbo	—	0.80%	—	—	—0.80% from $50k	—
6–11 monthsSuper-Jumbo	—	—	—	1.00%	—1.00% from $200k	—
12–23 months	1.00%	—	—	—	1.00%	$100
12–23 monthsJumbo	—	—	1.11%	—	—1.11% from $100k	—
12–23 monthsMini-Jumbo	—	1.00%	—	—	—1.00% from $50k	—
12–23 monthsSuper-Jumbo	—	—	—	1.26%	—1.26% from $200k	—
24–35 months	1.16%	—	—	—	1.16%	$233
24–35 monthsJumbo	—	—	1.26%	—	—1.26% from $100k	—
24–35 monthsMini-Jumbo	—	1.16%	—	—	—1.16% from $50k	—
24–35 monthsSuper-Jumbo	—	—	—	1.41%	—1.41% from $200k	—
36–47 months	1.36%	—	—	—	1.36%	$414
36–47 monthsJumbo	—	—	1.46%	—	—1.46% from $100k	—
36–47 monthsMini-Jumbo	—	1.36%	—	—	—1.36% from $50k	—
36–47 monthsSuper-Jumbo	—	—	—	1.61%	—1.61% from $200k	—
48–59 months	1.51%	—	—	—	1.51%	$618
48–59 monthsJumbo	—	—	1.66%	—	—1.66% from $100k	—
48–59 monthsMini-Jumbo	—	1.51%	—	—	—1.51% from $50k	—
48–59 monthsSuper-Jumbo	—	—	—	1.87%	—1.87% from $200k	—
60–83 months	1.92%	—	—	—	1.92%	$998
60–83 monthsJumbo	—	—	2.27%	—	—2.27% from $100k	—
60–83 monthsMini-Jumbo	—	1.92%	—	—	—1.92% from $50k	—
60–83 monthsSuper-Jumbo	—	—	—	2.53%	—2.53% from $200k	—
84 months	2.02%	—	—	—	2.02%	$1,503
84 monthsJumbo	—	—	2.38%	—	—2.38% from $100k	—
84 monthsMini-Jumbo	—	2.02%	—	—	—2.02% from $50k	—
84 monthsSuper-Jumbo	—	—	—	2.78%	—2.78% from $200k	—

Sources (2)

All captured Oct 6, 2026

Who can join CoastHills Credit Union

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Visit institution website ↗Branches and institution details

How CoastHills Credit Union’s CD rates compare

CoastHills Credit Union CD score

Current CD rates

Promotional Share Certificate

Share Certificate Account

Special-purpose accounts

Promotional IRA Certificate

IRA Certificate Account

Who can join CoastHills Credit Union