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Field of Membership
Your family qualifies for membership if one of you lives, works, worships, or attends school in San Luis Obispo or North Santa Barbara counties, in California. You must live north of Gaviota State Park, to qualify as a resident of northern Santa Barbara County. Eligibility details...
NerdWallet's Consumer Friendliness Accolades
Credit Unions receive stars for meeting our consumer friendliness requirements.
CoastHills Federal Credit Union is 5 stars better than your typical bank:
 Branches |  ATMs |  No Penalty APR |  No Int'l Fee |  No Advance Fee |
- Branch Convenience - This credit union is a member of CU Service Centers, a nationwide cooperative that allows customers to bank at over 4,000 partner credit union branches.
- ATM Convenience - This credit union is part of the CO-OP ATM Network, which gives you access to 28,000+ surcharge free ATMs around the country.
- No Penalty APR - This credit union does not charge a higher penalty APR for being 60 days delinquent on credit card payments.
- No Foreign Transaction Fee - Most credit unions charge around 1%, whereas most banks charge around 3%. Very few credit unions earn a star here, which requires the credit union to eat the ~1% fee charged by Visa/MasterCard.
- No Cash Advance Fee - Your typical bank charges around 3%, while many credit unions charge much less. We give out stars for 0% cash advance fees on credit cards.
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