Coasthills Federal Credit Union

★★☆☆☆
  • 1320 N H St

    Lompoc, CA 93436

    Map & Directions
  • 805-733-7600

About Coasthills Federal Credit Union

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Mon-Thu 9am-5pm, Fri 9am-6pm

Finance

Finance
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Coasthills Federal Credit Union

1320 N H St Lompoc, CA

1.8571 21
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This bank used to be easy to deal with. I've had 5 car loans with Coast Hills.In the past 2 year (2009-20011) They have deteriorated into hands down the most difficult bank I have had to deal with. Want a pay off on your car? Send in a written request. Have a question about your application on a new loan? Talk to a middle man that can't answer direct questions and who relays communication between you and the underwriter over a series of call backs and return calls. Need to call and get some quick information about your account? Suffer through one of the most irritating automated voice choice menus on the planet. Once you get a member services rep on the phone? Prepare to know your blood type and DNA configuration before they'll confirm if your payment was received. I refinanced my car out of the Coast Hills red tape. It was the last time I'll ever do business with this company. It's a shame as they used to be easy to deal with. Beware. By the way I refinanced my car for a way better rate. I went online and googled best used car rates and came upon Pentagon Federal Credit Union. I got 2.49% on a 60 month auto refinance.

1
★☆☆☆☆

This bank used to be easy to deal with. I've had 5 car loans with Coast Hills.In the past 2 year (2009-20011) They have deteriorated into hands down the most difficult bank I have had to deal with. Want a pay off on your car? Send in a written request. Have a question about your application on a new loan? Talk to a middle man that can't answer direct questions and who relays communication between you and the underwriter over a series of call backs and return calls. Need to call and get some quick information about your account? Suffer through one of the most irritating automated voice choice menus on the planet. Once you get a member services rep on the phone? Prepare to know your blood type and DNA configuration before they'll confirm if your payment was received. I refinanced my car out of the Coast Hills red tape. It was the last time I'll ever do business with this company. It's a shame as they used to be easy to deal with. Beware. By the way I refinanced my car for a way better rate. I went online and googled best used car rates and came upon Pentagon Federal Credit Union. I got 2.49% on a 60 month auto refinance.

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THIS IS A TRULY HORRIBLE BUSINESS. AVOID IT!

1. Customer service is the absolute worst of any company I have dealt with.

2. Don't be fooled, There are no 'friends' at this place. More like
FIENDS !

3. They are incompetent. Checks that I have sent in have been lost or misplaced. (One employee even told me that this happens!)

4. When my check was misplaced, they blamed me and fined me for it!

5. They would NOT engage in my attempts to converse with them.

6. They ROBBED ME by attatching 'late fees' to my loan even though I DID NOTHING WRONG.

7. My attempts to protest my innocence and clear up the matter failed because they refused to respond to any of my e-mails and customer service on the phone was just insulting.

8. check out their promises on their web site and you will see the difference between 'marketing' and reality.

9. I noticed that someone else wrote 'bank among thieves' on their review. Do you spot a trend here?

10. BE WISE AND AVOID THIS PLACE because long term good and honest customers mean nothing to this horrible business.

1
★☆☆☆☆

THIS IS A TRULY HORRIBLE BUSINESS. AVOID IT!

1. Customer service is the absolute worst of any company I have dealt with.

2. Don't be fooled, There are no 'friends' at this place. More like
FIENDS !

3. They are incompetent. Checks that I have sent in have been lost or misplaced. (One employee even told me that this happens!)

4. When my check was misplaced, they blamed me and fined me for it!

5. They would NOT engage in my attempts to converse with them.

6. They ROBBED ME by attatching 'late fees' to my loan even though I DID NOTHING WRONG.

7. My attempts to protest my innocence and clear up the matter failed because they refused to respond to any of my e-mails and customer service on the phone was just insulting.

8. check out their promises on their web site and you will see the difference between 'marketing' and reality.

9. I noticed that someone else wrote 'bank among thieves' on their review. Do you spot a trend here?

10. BE WISE AND AVOID THIS PLACE because long term good and honest customers mean nothing to this horrible business.

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.

I'm reading all these reviews and this shocks me because it doesn't sound like the same bank I know and love. I have banked there for 15 years, live in lompoc and work in santa Maria and have always been given great service. The one thing that I do admit is that the lines are too long, but then again that just goes to prove that all those people are there for a reason. I love coasthills and I'm stocked with my 2.99 interest rate they offered me on my new car...:)

5
★★★★★

I'm reading all these reviews and this shocks me because it doesn't sound like the same bank I know and love. I have banked there for 15 years, live in lompoc and work in santa Maria and have always been given great service. The one thing that I do admit is that the lines are too long, but then again that just goes to prove that all those people are there for a reason. I love coasthills and I'm stocked with my 2.99 interest rate they offered me on my new car...:)

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0 out of 1 people found this review helpful.

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Where to begin? My long love afair with CFCU ended today, and let's just say: I shed no tears. As an USAF member & ex-Mil dependant, I've known of CFCU since it was going by Vandenberg Federal. As with most of the reviewers listed, I must agree that service has gotten worse as the years progressed. I have money with over 7 different institutions and none of them have shown the level of difficulty/ineptitude that I've experienced while with CFCU.

The minimum balance checking fees are a joke and appear seemingly at random.

Order replacement checks? I hope you live nearby. I got a call last week from a branch store rep. to tell me that my checks had been shoved in a drawer for almost 2 years... and would I like them still.

And on the topic of co-habitation, want to make a deposit? Pray that you've done so elsewhere and that CFCU's online abilities aren't down for... maintenance? Update? I don't know. They're consistently down when you need them. You can't deposit cash without standing in front of a teller. Basically, you can't do more than the absolute minimum without teller assistance because you're veiwed as an idiot.

Did you know that "Messina, IT" is a city in italy with its own version of Best Buy? I didn't until CFCU allowed one of these Italians to steal every penny from my account. When pressed to return said funds, my customer service rep. told me 5-7 business days. God help you if you actually needed that missing money cause they mean 10 business days.

I could go on, but you should get the point by now. Don't bank "Among Friends." Its not worth the headache.

1
★☆☆☆☆

Where to begin? My long love afair with CFCU ended today, and let's just say: I shed no tears. As an USAF member & ex-Mil dependant, I've known of CFCU since it was going by Vandenberg Federal. As with most of the reviewers listed, I must agree that service has gotten worse as the years progressed. I have money with over 7 different institutions and none of them have shown the level of difficulty/ineptitude that I've experienced while with CFCU.

The minimum balance checking fees are a joke and appear seemingly at random.

Order replacement checks? I hope you live nearby. I got a call last week from a branch store rep. to tell me that my checks had been shoved in a drawer for almost 2 years... and would I like them still.

And on the topic of co-habitation, want to make a deposit? Pray that you've done so elsewhere and that CFCU's online abilities aren't down for... maintenance? Update? I don't know. They're consistently down when you need them. You can't deposit cash without standing in front of a teller. Basically, you can't do more than the absolute minimum without teller assistance because you're veiwed as an idiot.

Did you know that "Messina, IT" is a city in italy with its own version of Best Buy? I didn't until CFCU allowed one of these Italians to steal every penny from my account. When pressed to return said funds, my customer service rep. told me 5-7 business days. God help you if you actually needed that missing money cause they mean 10 business days.

I could go on, but you should get the point by now. Don't bank "Among Friends." Its not worth the headache.

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0 out of 1 people found this review helpful.

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It's true that individuals are very nice, but the institution as a whole should really reconsider lying with their "bank among friends" slogan. That or I guess the people that run the place have really crappy friends.
I miss MidState Bank, I'd go back to them if they were still around.
And don't get me started on their home banking. It's not very clean/organized, and half the time I can't login due to "authentication failures" when I haven't even been prompted to answer any authentication questions... All in all, I'm counting the days til I can leave this bank.

1
★☆☆☆☆

It's true that individuals are very nice, but the institution as a whole should really reconsider lying with their "bank among friends" slogan. That or I guess the people that run the place have really crappy friends.
I miss MidState Bank, I'd go back to them if they were still around.
And don't get me started on their home banking. It's not very clean/organized, and half the time I can't login due to "authentication failures" when I haven't even been prompted to answer any authentication questions... All in all, I'm counting the days til I can leave this bank.

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1 out of 1 people found this review helpful.

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I was harassed by my manager for the latter portion of my tenure with CoastHills. When I discussed this with my manager and HR, I was written up with false allegations that evening and fired from work 10 days later. I had never had a complaint, write up or any other red mark on my employee record prior to voicing my issues with the way I was being treated in the workplace. As you can read, the treatment that is taking place behind closed doors only trickles down to the experience members are having within the branch.
CoastHills is an organization with questionable ethics at best. After our initial meeting regarding the way I was being treated, my manager didn't care to meet with me again for the week and a half up to and including the morning I was let go. We never spoke about the issue, they just "made it go away".
I'm fortunate to be gone and will not bank with CoastHills after my last check clears.
No one cares, and that's a bad place to have your money.

1
★☆☆☆☆

I was harassed by my manager for the latter portion of my tenure with CoastHills. When I discussed this with my manager and HR, I was written up with false allegations that evening and fired from work 10 days later. I had never had a complaint, write up or any other red mark on my employee record prior to voicing my issues with the way I was being treated in the workplace. As you can read, the treatment that is taking place behind closed doors only trickles down to the experience members are having within the branch.
CoastHills is an organization with questionable ethics at best. After our initial meeting regarding the way I was being treated, my manager didn't care to meet with me again for the week and a half up to and including the morning I was let go. We never spoke about the issue, they just "made it go away".
I'm fortunate to be gone and will not bank with CoastHills after my last check clears.
No one cares, and that's a bad place to have your money.

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2 out of 2 people found this review helpful.

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Months ago CHFC made a mistake on setting up an account pay from my other bank. This led to a 30 days late credit report and closing my accounts for $14. Two weeks ago I found they were paying my other bank from my CHFC account making it delinquent again. I sent a letter to Sally 10 days ago no response yet.

1
★☆☆☆☆

Months ago CHFC made a mistake on setting up an account pay from my other bank. This led to a 30 days late credit report and closing my accounts for $14. Two weeks ago I found they were paying my other bank from my CHFC account making it delinquent again. I sent a letter to Sally 10 days ago no response yet.

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1 out of 1 people found this review helpful.

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This is a criminal institution driven to drain every dollar out of your pocket. Their courtesy pay fees are disgusting. I opt'd out back in May, but I just found out it doesn't take effect until 15 August (when the government requires them to do so). They are milking a practice deemed incredibly unfair to the public to its fullest extent. Shame on you Coast Hills! May your greedy and oppressive practice return to all your employees three-fold.

1
★☆☆☆☆

This is a criminal institution driven to drain every dollar out of your pocket. Their courtesy pay fees are disgusting. I opt'd out back in May, but I just found out it doesn't take effect until 15 August (when the government requires them to do so). They are milking a practice deemed incredibly unfair to the public to its fullest extent. Shame on you Coast Hills! May your greedy and oppressive practice return to all your employees three-fold.

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1 out of 1 people found this review helpful.

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Terrible bank. Customer service is the worse. Choose another bank. They will hang up on you if you ask to speak to a supervisor.

1
★☆☆☆☆

Terrible bank. Customer service is the worse. Choose another bank. They will hang up on you if you ask to speak to a supervisor.

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1 out of 1 people found this review helpful.

.

It is so sad--I have banked at Coasthills since highschool--over 30 years and the level of service has disappeared. The indiviual tellers are nice but you have to wait in-line forever to be helped. I went in with a two party check from my doctor and they could not help me with it. I took it over to Community Bank of Lompoc (where I don't even have an account) and they cashed it immediately. As soon as my son graduates from college this Dec., I am switching my account. The onlky reason I have one now is to transfer funds to my son's Colorado credit union account.

1
★☆☆☆☆

It is so sad--I have banked at Coasthills since highschool--over 30 years and the level of service has disappeared. The indiviual tellers are nice but you have to wait in-line forever to be helped. I went in with a two party check from my doctor and they could not help me with it. I took it over to Community Bank of Lompoc (where I don't even have an account) and they cashed it immediately. As soon as my son graduates from college this Dec., I am switching my account. The onlky reason I have one now is to transfer funds to my son's Colorado credit union account.

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1 out of 1 people found this review helpful.

.

I think it's about time CoastHills Credit Union changes their motto, because "Banking among friends" sure does not apply to them anymore. I have been with this credit union for close to 25 years, from when they were Vandenberg Federal Credit Union. It used to be truly friendly and customer oriented, where you didn't need to jump through hoops to do anything. I even remember resolving many issue, from banking to loans, over the phone, without wasting your time and making you fill up tons of paperwork. They knew their customers and were always eager to help. And anytime you called, a live person would answer and help you.
Now, it's virtually impossible to reach someone at any of the branches. They don't give you the phone number to call the branch. and when you call their centralized number they transfer you if you want to an agent, but that's it. You need any service, loan, deposit, etc. don't expect much. You might as well just have walked into their branch yesterday. They lost that personal touch that VFCU used to be famous for, and that used to draw people to the credit union. You might even get some answering service, in the middle of the day, and that's after fiddling with their stupid phone system for half an hour. Too bad, because this was a great bank.

1
★☆☆☆☆

I think it's about time CoastHills Credit Union changes their motto, because "Banking among friends" sure does not apply to them anymore. I have been with this credit union for close to 25 years, from when they were Vandenberg Federal Credit Union. It used to be truly friendly and customer oriented, where you didn't need to jump through hoops to do anything. I even remember resolving many issue, from banking to loans, over the phone, without wasting your time and making you fill up tons of paperwork. They knew their customers and were always eager to help. And anytime you called, a live person would answer and help you.
Now, it's virtually impossible to reach someone at any of the branches. They don't give you the phone number to call the branch. and when you call their centralized number they transfer you if you want to an agent, but that's it. You need any service, loan, deposit, etc. don't expect much. You might as well just have walked into their branch yesterday. They lost that personal touch that VFCU used to be famous for, and that used to draw people to the credit union. You might even get some answering service, in the middle of the day, and that's after fiddling with their stupid phone system for half an hour. Too bad, because this was a great bank.

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.

--------- This is a customer's feedback based on poor banking experience with Coast Hills Federal Credit Union. This pseudo bank treats its customers badly, overcharges for common banking services and mishandles confidential data and information. The Coast Hills' supervisory management is rude and sadly, very incompetent. I encourage other clients to voice their opinion and join in forcing Coast Hills to clean up or get out. Additionally I suggest you lodge any complaints with the better business bureau of Lompoc or San Luis Obispo or the appropriate regulatory agencies in California and Washington, D.C.

1
★☆☆☆☆

--------- This is a customer's feedback based on poor banking experience with Coast Hills Federal Credit Union. This pseudo bank treats its customers badly, overcharges for common banking services and mishandles confidential data and information. The Coast Hills' supervisory management is rude and sadly, very incompetent. I encourage other clients to voice their opinion and join in forcing Coast Hills to clean up or get out. Additionally I suggest you lodge any complaints with the better business bureau of Lompoc or San Luis Obispo or the appropriate regulatory agencies in California and Washington, D.C.

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1 out of 1 people found this review helpful.

.

Coast Hills Sucks! They take forever to process transactions. The first time I had a problem I went to three different branches and three different managers before I got someone who could help. If you have to call in to ask a question be prepared for a minimum 15 minute wait, even thought they tell you somebody will be with you in 2 minutes. Today I spoke with a customer service rep. and she hung up on me even thought I was very polite to her. I have waisted my time with them, do not make the same mistake. Also they have lines out the door with only one or two clerks while oter emloyes talk to eachother or sit at there desk doing nothing. If you are looking for a federal credit union I recomend sesloc, My girlfriend has been with them for over 15 years and has not one complaint! p.s. look at the review dates. all the good ones are over 4 years old and all the complaints are of recent years.

1
★☆☆☆☆

Coast Hills Sucks! They take forever to process transactions. The first time I had a problem I went to three different branches and three different managers before I got someone who could help. If you have to call in to ask a question be prepared for a minimum 15 minute wait, even thought they tell you somebody will be with you in 2 minutes. Today I spoke with a customer service rep. and she hung up on me even thought I was very polite to her. I have waisted my time with them, do not make the same mistake. Also they have lines out the door with only one or two clerks while oter emloyes talk to eachother or sit at there desk doing nothing. If you are looking for a federal credit union I recomend sesloc, My girlfriend has been with them for over 15 years and has not one complaint! p.s. look at the review dates. all the good ones are over 4 years old and all the complaints are of recent years.

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1 out of 1 people found this review helpful.

.

I paid a local check for over $100k into our Super-ready checking at the Orcutt branch, the teller then told me they would place a hold of eleven days on it. I immediately asked for the check back, only to be no and that I would be charged insufficient funds if I tried to withdraw any of the funds as the check had a hold on it. Complaining to Customer Service only resulted in a vague "go back to the branch and see if they can help" I had tried that already. Also note that no interest is paid on deposits over $50k with Super-Ready checking.

1
★☆☆☆☆

I paid a local check for over $100k into our Super-ready checking at the Orcutt branch, the teller then told me they would place a hold of eleven days on it. I immediately asked for the check back, only to be no and that I would be charged insufficient funds if I tried to withdraw any of the funds as the check had a hold on it. Complaining to Customer Service only resulted in a vague "go back to the branch and see if they can help" I had tried that already. Also note that no interest is paid on deposits over $50k with Super-Ready checking.

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.

The staff is so poorly trained they can't complete basic transactions or provide basic financial services. Front line management is unprofessional, uncaring and lazy. I love my Star One Credit Union experience and Coast Hills is so much less quality in their staff and management. The Paso Robles Branch is a bad place for your money and should be avoided. There are good credit unions out there Coast Hills is not one of them. Senior Management either does not care about customer service or asleep while the poorly trained staff and management in Paso avoid questions and act busy instead of providing basic financial services as their untrained staff run around looking for someone to tell them how to do their job. It's shameful and unprofessional. Put your money somewhere else. Their are good credit unions out there, Coast Hills is not one of them.

1
★☆☆☆☆

The staff is so poorly trained they can't complete basic transactions or provide basic financial services. Front line management is unprofessional, uncaring and lazy. I love my Star One Credit Union experience and Coast Hills is so much less quality in their staff and management. The Paso Robles Branch is a bad place for your money and should be avoided. There are good credit unions out there Coast Hills is not one of them. Senior Management either does not care about customer service or asleep while the poorly trained staff and management in Paso avoid questions and act busy instead of providing basic financial services as their untrained staff run around looking for someone to tell them how to do their job. It's shameful and unprofessional. Put your money somewhere else. Their are good credit unions out there, Coast Hills is not one of them.

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1 out of 1 people found this review helpful.

.

Beware of Coasthills, they will file a complaint with the County DA on fully paid returned checks just to harass. Not such nice people as they want you to believe.

1
★☆☆☆☆

Beware of Coasthills, they will file a complaint with the County DA on fully paid returned checks just to harass. Not such nice people as they want you to believe.

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1 out of 1 people found this review helpful.

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I have had an account with coast hills now for about ten years personal and buisiness and they recently changed there system on the buiss. accounts. Let me tell you this and still is a nightmare they are losing deposits not being able to access your account at times and the tellers even tell me it was idiotic to do this. This has stopped all buiss. for me and im at the mercy of them to try to figure it out. dont get me wrong the ladies i deal with are great but upper management do not know what they are doing or what they have done. At this day and age where banks, houses, credit, jobs and economy not to mention stocks you as a buiss. is going to make these negative changes to do what stress your so called friends out! The motto should read where you bank among uncertainty not friends!

1
★☆☆☆☆

I have had an account with coast hills now for about ten years personal and buisiness and they recently changed there system on the buiss. accounts. Let me tell you this and still is a nightmare they are losing deposits not being able to access your account at times and the tellers even tell me it was idiotic to do this. This has stopped all buiss. for me and im at the mercy of them to try to figure it out. dont get me wrong the ladies i deal with are great but upper management do not know what they are doing or what they have done. At this day and age where banks, houses, credit, jobs and economy not to mention stocks you as a buiss. is going to make these negative changes to do what stress your so called friends out! The motto should read where you bank among uncertainty not friends!

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.

have been with coast hill credit union for 7 years, i have purchase 2 automobile in the same year 1 suv experdition,1 ford ranger. both 1999.i also do all my banking with coast hill. the staff there is very helpful,and very nice.I would tell anyone to bank with coast hill credit union.

4
★★★★☆

have been with coast hill credit union for 7 years, i have purchase 2 automobile in the same year 1 suv experdition,1 ford ranger. both 1999.i also do all my banking with coast hill. the staff there is very helpful,and very nice.I would tell anyone to bank with coast hill credit union.

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0 out of 1 people found this review helpful.

.

Have been with them for seventeen years. Great local service.
Have home and car loan with them. Easy to work with,
very heplful staff. Competative rates.

5
★★★★★

Have been with them for seventeen years. Great local service.
Have home and car loan with them. Easy to work with,
very heplful staff. Competative rates.

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0 out of 1 people found this review helpful.

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We have banked with them for 2 years now. Wonderful helpful people. The base branch is very helpful. The girls go out of there way to please customers and do what is necessary to keep them!

5
★★★★★

We have banked with them for 2 years now. Wonderful helpful people. The base branch is very helpful. The girls go out of there way to please customers and do what is necessary to keep them!

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0 out of 1 people found this review helpful.

.

Coasthills is a local credit union and lately they have been opening up many more local branches, which makes it very convenient for doing your banking. They usually offer good interest rates on loans and on CDs. They did not used to charge so many fees, but they have started charging more fees, like a $5 account fee per month just to have an account with them. However, you do get unlimited visits to the ATM, the tellers, point of sale and web bill paying services. I guess that the $5 per month fee is less than what many other banks charge for all of these services, so it is probably still a good deal. Coasthills also has an arrangement with many of the local car dealerships so that you can get your loan through Coasthills right at the dealership, which is very convenient.

4
★★★★☆

Coasthills is a local credit union and lately they have been opening up many more local branches, which makes it very convenient for doing your banking. They usually offer good interest rates on loans and on CDs. They did not used to charge so many fees, but they have started charging more fees, like a $5 account fee per month just to have an account with them. However, you do get unlimited visits to the ATM, the tellers, point of sale and web bill paying services. I guess that the $5 per month fee is less than what many other banks charge for all of these services, so it is probably still a good deal. Coasthills also has an arrangement with many of the local car dealerships so that you can get your loan through Coasthills right at the dealership, which is very convenient.

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