What are the current interest rates at SharePoint Credit Union?

Current rates for SharePoint Credit Union include: 12-Month CD: 2.25%, 18-Month CD: 1.75%, 24-Month CD: 2.00%, 60-Month CD: 2.75%, Savings: 0.10%, MMA: 0.75%

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SharePoint Credit Union Rates & Review March 2026

Q: How many branches does SharePoint Credit Union operate?

SharePoint Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join SharePoint Credit Union?

Yes, to access services at SharePoint Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, SharePoint Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 28, 2026

SharePoint Credit Union's 11 Month Flex CD rates are at 3.30%, 60 Month CD rates are at 2.75%, 48 Month CD rates are at 2.50%, 12 Month CD rates are at 2.25%, 36 Month CD rates are at 2.25%. SharePoint Credit Union's savings rates are at 0.10%. SharePoint Credit Union's money market rates are at 0.75%. SharePoint Credit Union's VA IRRRL 30-Year Fixed rates are at 5.75%, Conventional 15-Year Fixed rates are at 6.00%, VA 30-Year Fixed rates are at 6.12%, 30-Year Fixed Refinance rates are at 6.38%, Conventional 30-Year Fixed rates are at 6.62%. SharePoint Credit Union's Personal Loan Rates are at 4.74%. MonitorBankRates evaluates the financial stability of SharePoint Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.61%. Rates were last updated on 03/28/2026.

SharePoint Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at SharePoint Credit Union? Share your experience about SharePoint Credit Union by leaving a review below, or read customer reviews before you decide to use SharePoint Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.61%

Excellent Lower than avg

SharePoint Credit Union
Corporate Office

5300 Hyland Greens Dr
Bloomington, MN 55437 3933

https://www.sharepointcu.com

SharePoint Credit Union CD Rates

Product	Rate	APY	Term
11 Month Flex Certificate	3.25%	3.30%	11
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%
60 Month Share Certificate	2.72%	2.75%	60
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%
48 Month Share Certificate	2.47%	2.50%	48
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%
12 Month Share Certificate	2.23%	2.25%	12
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%
36 Month Share Certificate	2.23%	2.25%	36
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%
24 Month Share Certificate	1.98%	2.00%	24
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%
6 Month Share Certificate	1.98%	2.00%	6
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%
18 Month Share Certificate	1.73%	1.75%	18
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%

SharePoint Credit Union Savings Rates

Product	Rate	APY
IRA Savings	0.39%	0.40%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%
All Star Savings	0.09%	0.10%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%
All Star Savings1	0.09%	0.10%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%
eSavings^ - Ongoing Rate	0.09%	0.10%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%
Primary Savings	0.09%	0.10%
Min Balance $5 Details $5.00 and Above Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%
Regular Savings	0.10%	0.10%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%
Secondary Savings	0.09%	0.10%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%

SharePoint Credit Union Money Market Rates

Product	Rate	APY
Money Market	0.99%	1.00%
Min Balance $250,000 Details Daily balance $250,000 and over Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%
Money Market	0.89%	0.90%
Min Balance $100,000 Details Daily balance of $100,000 - $249,999.99 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%
Money Market	0.79%	0.80%
Min Balance $25,000 Details Daily balance of $25,000 - $49,999.99 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%
Money Market	0.75%	0.75%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%

SharePoint Credit Union Checking Rates

Product	Rate	APY
Premier Rate Checking - Introductory Rate	4.88%	5.00%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%
Premier Rate Checking - Ongoing Rate	0.99%	1.00%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%
Advantage Checking	0.09%	0.10%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%
Choice Plus Checking	0.09%	0.10%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%
All Star Checking	-	0.00%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%
Free Checking	-	0.00%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%

SharePoint Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
VA IRRRL 30-Year Fixed	5.75%	0.00%	5.86%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%
Conventional 15-Year Fixed	6.00%	0.00%	6.10%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%
Freedom Mortgage (Eight years or less)	-	-	6.24%	96 months
Details As Low As; Subject to approval and income verification. All posted rates are as low as and may vary, subject to your credit history. Additional loan rates and terms are available. Contact a SharePoint Credit Union Representative for details. Rates and terms subject to change. Maximum Loan-To-Value = 80%. SharePoint Credit Union must be in the first lien position. Property must be the primary residence or a non-investment vacation home located in MN or WI. Maximum term is 12 years. Closing costs will vary based on loan amount, appraisal requirement, geographic location, and title examination findings. For loan amounts of $25,000 to $150,000, costs will typically range from $875 to $1,500 including an appraisal if one is required. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%
VA 30-Year Fixed	6.13%	0.00%	6.39%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%
30-Year Fixed Refinance	6.38%	0.08%	6.45%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%
Conventional 30-Year Fixed	6.63%	0.00%	6.69%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%

SharePoint Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan (Up to 80% Loan to Value)	-	-	5.99%	60 months
Details As Low As; Subject to approval. All posted rates are as low as and may vary, subject to your credit history. Additional loan rates and terms are available. Property must be the primary residence or a non-investment second/vacation home. Home Equity Loan and Credit Lines may only be written for homes in MN and WI. Closing costs will vary based on loan amount, appraisal requirement, geo- graphic location, and title examination findings. For loan amounts of $25,000 to $150,000, costs will typically range from $812 to $1100 including an appraisal if one is required. Property insurance required for Home Equity Loans and Credit Lines. Subject to credit approval and require income verification. Rates and terms are subject to change. Cannot be combined with any other offer. SharePoint is an equal housing opportunity. Contact a SharePoint Credit Union Representative for details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%
Home Equity Loan (Up to 80% Loan to Value)	-	-	6.24%	120 months
Details As Low As; Subject to approval. All posted rates are as low as and may vary, subject to your credit history. Additional loan rates and terms are available. Property must be the primary residence or a non-investment second/vacation home. Home Equity Loan and Credit Lines may only be written for homes in MN and WI. Closing costs will vary based on loan amount, appraisal requirement, geo- graphic location, and title examination findings. For loan amounts of $25,000 to $150,000, costs will typically range from $812 to $1100 including an appraisal if one is required. Property insurance required for Home Equity Loans and Credit Lines. Subject to credit approval and require income verification. Rates and terms are subject to change. Cannot be combined with any other offer. SharePoint is an equal housing opportunity. Contact a SharePoint Credit Union Representative for details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%
Home Equity Loan (Up to 80% Loan to Value)	-	-	6.74%	180 months
Details As Low As; Subject to approval. All posted rates are as low as and may vary, subject to your credit history. Additional loan rates and terms are available. Property must be the primary residence or a non-investment second/vacation home. Home Equity Loan and Credit Lines may only be written for homes in MN and WI. Closing costs will vary based on loan amount, appraisal requirement, geo- graphic location, and title examination findings. For loan amounts of $25,000 to $150,000, costs will typically range from $812 to $1100 including an appraisal if one is required. Property insurance required for Home Equity Loans and Credit Lines. Subject to credit approval and require income verification. Rates and terms are subject to change. Cannot be combined with any other offer. SharePoint is an equal housing opportunity. Contact a SharePoint Credit Union Representative for details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%
HELOC - Variable	-	-	6.75%
Details (Prime Rate 6.75%) Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%
Home Equity Line of Credit (80% Loan to Value)	-	-	6.75%
Details As Low As; (Prime Rate 6.75%) Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%
Home Equity Loan (Over 80% Loan to Value)	-	-	7.49%	60 months
Details As Low As; Subject to approval. All posted rates are as low as and may vary, subject to your credit history. Additional loan rates and terms are available. Property must be the primary residence or a non-investment second/vacation home. Home Equity Loan and Credit Lines may only be written for homes in MN and WI. Closing costs will vary based on loan amount, appraisal requirement, geo- graphic location, and title examination findings. For loan amounts of $25,000 to $150,000, costs will typically range from $812 to $1100 including an appraisal if one is required. Property insurance required for Home Equity Loans and Credit Lines. Subject to credit approval and require income verification. Rates and terms are subject to change. Cannot be combined with any other offer. SharePoint is an equal housing opportunity. Contact a SharePoint Credit Union Representative for details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%
Home Equity Loan (Over 80% Loan to Value)	-	-	7.74%	120 months
Details As Low As; Subject to approval. All posted rates are as low as and may vary, subject to your credit history. Additional loan rates and terms are available. Property must be the primary residence or a non-investment second/vacation home. Home Equity Loan and Credit Lines may only be written for homes in MN and WI. Closing costs will vary based on loan amount, appraisal requirement, geo- graphic location, and title examination findings. For loan amounts of $25,000 to $150,000, costs will typically range from $812 to $1100 including an appraisal if one is required. Property insurance required for Home Equity Loans and Credit Lines. Subject to credit approval and require income verification. Rates and terms are subject to change. Cannot be combined with any other offer. SharePoint is an equal housing opportunity. Contact a SharePoint Credit Union Representative for details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%
Home Equity Loan (Over 80% Loan to Value)*	-	-	8.24%	180 months
Details As Low As; Subject to approval. All posted rates are as low as and may vary, subject to your credit history. Additional loan rates and terms are available. Property must be the primary residence or a non-investment second/vacation home. Home Equity Loan and Credit Lines may only be written for homes in MN and WI. Closing costs will vary based on loan amount, appraisal requirement, geo- graphic location, and title examination findings. For loan amounts of $25,000 to $150,000, costs will typically range from $812 to $1100 including an appraisal if one is required. Property insurance required for Home Equity Loans and Credit Lines. Subject to credit approval and require income verification. Rates and terms are subject to change. Cannot be combined with any other offer. SharePoint is an equal housing opportunity. Contact a SharePoint Credit Union Representative for details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%
Home Equity Line of Credit (90% Loan to Value)	-	-	9.75%
Details As Low As Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%

SharePoint Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans	-	-	4.74%	49-65
Details As Low As; Rates may vary, based on credit history, loan term and age of vehicle. A down payment may be required. Rates include a .25% discount for automatic payment. Rate is intended for new loans and not valid for the refinancing of existing SharePoint loans. An additional $25 fee will be charged at the time of loan origination which will increase the final APR. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%
Auto Loans 2023 and newer	-	-	4.74%	1-48
Details As Low As; Rates may vary, based on credit history, loan term and age of vehicle. A down payment may be required. Rates include a .25% discount for automatic payment. Rate is intended for new loans and not valid for the refinancing of existing SharePoint loans. An additional $25 fee will be charged at the time of loan origination which will increase the final APR. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%
Auto Loans	-	-	4.99%	49-65
Details As Low As; Rates may vary, based on credit history, loan term and age of vehicle. A down payment may be required. Rates include a .25% discount for automatic payment. Rate is intended for new loans and not valid for the refinancing of existing SharePoint loans. An additional $25 fee will be charged at the time of loan origination which will increase the final APR. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%
Auto Loans 2022-2019	-	-	4.99%	1-48
Details As Low As; Rates may vary, based on credit history, loan term and age of vehicle. A down payment may be required. Rates include a .25% discount for automatic payment. Rate is intended for new loans and not valid for the refinancing of existing SharePoint loans. An additional $25 fee will be charged at the time of loan origination which will increase the final APR. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%
Auto Loans	-	-	5.24%	66-72
Details As Low As; Rates may vary, based on credit history, loan term and age of vehicle. A down payment may be required. Rates include a .25% discount for automatic payment. Rate is intended for new loans and not valid for the refinancing of existing SharePoint loans. An additional $25 fee will be charged at the time of loan origination which will increase the final APR. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%
Auto Loans 2018 and Older	-	-	5.24%	1-48
Details As Low As; Rates may vary, based on credit history, loan term and age of vehicle. A down payment may be required. Rates include a .25% discount for automatic payment. Rate is intended for new loans and not valid for the refinancing of existing SharePoint loans. An additional $25 fee will be charged at the time of loan origination which will increase the final APR. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%
Auto Loans	-	-	5.49%	66-72
Details As Low As; Rates may vary, based on credit history, loan term and age of vehicle. A down payment may be required. Rates include a .25% discount for automatic payment. Rate is intended for new loans and not valid for the refinancing of existing SharePoint loans. An additional $25 fee will be charged at the time of loan origination which will increase the final APR. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%
Auto Loans	-	-	5.74%	73-84
Details As Low As; Rates may vary, based on credit history, loan term and age of vehicle. A down payment may be required. Rates include a .25% discount for automatic payment. Rate is intended for new loans and not valid for the refinancing of existing SharePoint loans. An additional $25 fee will be charged at the time of loan origination which will increase the final APR. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.61%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for SharePoint Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather SharePoint Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with SharePoint Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name SharePoint Credit Union

Website https://www.sharepointcu.com

Address 5300 Hyland Greens Dr, Bloomington, MN 55437 3933

Phone 952-930-0700

Fax 952-930-9740

President Joseph Budnick

CEO Phillip Kopischke

Full-Time Employees 72

Part-Time Employees 0

Branch Locations 7

ATM Locations 6

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.61%

Return on Assets (ROA)

0.3299%

Return on Equity (ROE)

2.9662%

Non-Performing Loans Ratio (NPL)

0.78%

Total Assets

366,326,199

Total Amount of Shares and Deposits

325,556,947

Total Shares and Deposits < 1 Year

317,665,375

Total Shares and Deposits 1 3 Years

6,081,906

Total Shares and Deposits > 3 Years

1,809,667

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

17,857,865

Total Uninsured Shares and Deposits > $250K (F+J)

17,857,865

Total Insured Shares and Deposits > $250K (item 17 less item K)

307,699,082

Total Interest Expense (Sum of items 6 8)

3,624,295

Share Certificates

2,316

Number of Accounts for Share Drafts

14,950

IRA KEOGH Accounts

899

Number of Accounts for Regular Shares

28,464

All other shares

Money Market Shares

1,282

Net Income (unless the amount is already included in Undivided Earnings)

1,208,354

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

15,651,536

Total Liabilities

329,016,486

Source: NCUA — Last Updated 09/30/2025

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Total Reviews

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Frequently Asked Questions About SharePoint Credit Union

Is SharePoint Credit Union a safe place to deposit money?

Yes, SharePoint Credit Union is considered a safe financial institution. With a Texas Ratio of 4.6061259150242%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does SharePoint Credit Union operate?

SharePoint Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join SharePoint Credit Union?

Yes, to access services at SharePoint Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, SharePoint Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, SharePoint Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does SharePoint Credit Union offer online and mobile banking?

Most modern institutions like SharePoint Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.sharepointcu.com.