Credit union · NCUA insured
CoastHills Credit Union Savings Rates
Top CarrotCoastHills Credit Union’s best savings rate is 0.25% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How CoastHills Credit Union’s savings 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
0.25%APY
- Minimum
- $5,000
- Earns on $10,000 a year
- $25
Money Market
Top rate
MidFirst Bank
4.00%APY
- Minimum
- —
- Earns on $10,000 a year
- $400
2nd-highest rate
First Bank
2.90%APY
- Minimum
- $100
- Earns on $10,000 a year
- $290
CoastHills Credit Union savings score
71
Savings score
Higher than 28% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0001.00%
- QualifiedQualified0.25%
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.
Where CoastHills Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Peak Money Market
Up to 3.00%APY
Tiered-rate account; stated dividend rate is paid on the full balance corresponding to the applicable balance tier. $10 monthly fee waived if minimum average daily balance requirement of $25,000 is met. Membership with CoastHills Credit Union required.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25,000 – $50,000Monthly fee waived with $25,000 minimum average daily balance. | 0.25% | — | Monthly fee waived with $25,000 minimum average daily balance. |
| $50,000 – $100,000Monthly fee waived with $25,000 minimum average daily balance. | 0.50% | — | Monthly fee waived with $25,000 minimum average daily balance. |
| $100,000 – $250,000Monthly fee waived with $25,000 minimum average daily balance. | 1.00% | — | Monthly fee waived with $25,000 minimum average daily balance. |
| $250,000 – $500,000Monthly fee waived with $25,000 minimum average daily balance. | 1.50% | — | Monthly fee waived with $25,000 minimum average daily balance. |
| $500,000 – $750,000Monthly fee waived with $25,000 minimum average daily balance. | 2.00% | — | Monthly fee waived with $25,000 minimum average daily balance. |
| $750,000 – $1,000,000Monthly fee waived with $25,000 minimum average daily balance. | 2.50% | — | Monthly fee waived with $25,000 minimum average daily balance. |
| $1,000,000 and upMonthly fee waived with $25,000 minimum average daily balance. | 3.00% | — | Monthly fee waived with $25,000 minimum average daily balance. |
Money Market
0.25%APY
Tiered-rate account; stated dividend rate is paid on the full balance corresponding to the applicable balance tier. Membership with CoastHills Credit Union required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5,000 – $25,000 | 0.25% | $25 |
| $25,000 – $50,000 | 0.30% | — |
| $50,000 – $100,000 | 0.35% | — |
| $100,000 – $200,000 | 0.50% | — |
| $200,000 and up | 0.75% | — |
Basic Share (Savings) Account
0.05%APY
Opening this account establishes membership in CoastHills Credit Union. All new members pay a $5 minimum deposit plus a $5 membership fee at origination (deposited into CoastHills Community Foundation general fund).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.05% | $5 |
Special Share Account
0.05%APY
No minimum balance requirement and no monthly fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.05% | $5 |
Special-purpose accounts
Early Savers Shares
0.05%APY
Available for children ages newborn up to 17 years of age. Limit one Early Savers Share per membership account. All new members must pay a $5 minimum deposit plus a $5 fee at the time of share origination.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Higher dividend APY paid on balances up to and including $500. | 5.64% | — | Higher dividend APY paid on balances up to and including $500. |
| Over $500Base dividend APY paid on balances over $500. | 0.05% | $5 | Base dividend APY paid on balances over $500. |
Sources (2)
- coasthills.coop/personal/bank/youth-savings-accounts
- coasthills.coop/resources/support/rates/deposit-rates
All captured Sep 16, 2026
Health Savings Accounts
1.00%APY
To qualify, member must be enrolled in an HSA-eligible High Deductible Health Plan (HDHP) as their only health plan, cannot be eligible for Medicare, and cannot be claimed as a dependent on someone else's tax return.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.00% | $100 |
Holiday Club Account
0.05%APY
Funds can be transferred to checking or savings account in mid-November.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.05% | $5 |
IRA Share Accounts
0.05%APY
Applies to Traditional and Roth IRA share accounts.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.05% | $5 |
Sources (2)
- coasthills.coop/resources/support/rates/deposit-rates
- coasthills.coop/personal/bank/…retirement-accounts-iras
All captured Sep 16, 2026
Sammy Savers
0.05%APY
Youth savings account. $1 minimum deposit required to Sammy Savers Account within 60 days of birthday to receive a $5 birthday bonus.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.05% | $5 |
Sources (2)
- coasthills.coop/personal/bank/youth-savings-accounts
- coasthills.coop/resources/support/rates/deposit-rates
All captured Sep 16, 2026
Teen Scene
0.05%APY
Youth savings account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.05% | $5 |
Sources (2)
- coasthills.coop/personal/bank/youth-savings-accounts
- coasthills.coop/resources/support/rates/deposit-rates
All captured Sep 16, 2026
Who can join CoastHills Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.