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Sharon And Crescent United Credit Union

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Sharon And Crescent United Credit Union Rates & Review November 2026

Q: What are the current interest rates at Sharon And Crescent United Credit Union?

Current rates for Sharon And Crescent United Credit Union include: 12-Month CD: 3.25%, 18-Month CD: 3.25%, 24-Month CD: 3.25%, 60-Month CD: 3.25%, Savings: 4.00%, MMA: 3.00%

Q: What CD terms does Sharon And Crescent United Credit Union offer?

Sharon And Crescent United Credit Union CD rates are 3.25% APY for a 12 month CD, 4.00% APY for a 15 month CD, 3.25% APY for an 18 month CD, 3.25% APY for a 2 year CD, 3.25% APY for a 3 year CD and 3.25% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Sharon And Crescent United Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Sharon And Crescent United Credit Union's 15 Month CD rates are at 4.00%, CD - 12 month rates are at 3.25%, CD - 18 month rates are at 3.25%, CD - 24 month rates are at 3.25%, CD - 36 month rates are at 3.25%. Sharon And Crescent United Credit Union's savings rates are at 4.00%. Sharon And Crescent United Credit Union's money market rates are at 3.00%. Sharon And Crescent United Credit Union's checking rates are as high as 0.05%. Sharon And Crescent United Credit Union's On The House Refinance - 5/5 ARM rates are at 5.50%, 5/5 ARM rates are at 6.25%, Jumbo Loans - Adjustable Rate First Mortgage - 7/1 Years (30 Years) rates are at 6.25%, Adjustable Rate Mortgage (ARM) - 7/1 Years (30 Years) rates are at 6.25%, Jumbo Loans - Adjustable Rate First Mortgage - 5/1 Years (30 Years) rates are at 6.00%. Sharon And Crescent United Credit Union's Personal Loan Rates are as low as 9.99%. Sharon And Crescent United Credit Union's top CD rate of 4.25% APY on an 11 month CD is 43% higher than the MonitorBankRates national average for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Sharon And Crescent United Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.19%. Rates last updated and verified on 10/30/2026.

Sharon And Crescent United 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 Sharon And Crescent United Credit Union? Share your experience about Sharon And Crescent United Credit Union by leaving a review below, or read customer reviews before you decide to use Sharon And Crescent United Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.19%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Sharon And Crescent United Credit Union
Operations Center

30 Pond St
Sharon, MA 02067-2040

https://www.scucu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Sharon And Crescent United Credit Union CD Rates

Product	Rate	APY	Term
11 Month IRA Special	4.17%	4.25%	11 Month
Min Balance $250 Details IRA Specials; Effective Date: October 16, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
30 Month IRA Special	4.17%	4.25%	30 Month
Min Balance $250 Details IRA Specials; Effective Date: October 16, 2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 4.25% ▲ 1.00 pts · high 4.25% / low 3.25% Oct 10, 20264.25%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Certificate Specials - 11 Month Special	4.17%	4.25%	11 Month
Min Balance $500 Details Minimum balance required to open and earn the stated APY; Effective Date: October 16, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Certificate Specials - 30 Month Special	4.17%	4.25%	30 Month
Min Balance $500 Details Minimum balance required to open and earn the stated APY; Effective Date: October 16, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
15 Month Certificate	-	4.00%	15 Month
Details Featured rate; See all deposit Rates Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
15 Month IRA Special	3.93%	4.00%	15 Month
Min Balance $250 Details IRA Specials; Effective Date: October 16, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Certificate Specials - 15 Month Special	3.93%	4.00%	15 Month
Min Balance $500 Details Minimum balance required to open and earn the stated APY; Effective Date: October 16, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Certificate Specials - 7 Month Special	3.69%	3.75%	7 Month
Min Balance $500 Details Minimum balance required to open and earn the stated APY; Effective Date: October 16, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
36 Month Step Up Certificates - Year 2	3.25%	3.30%	36 months
Min Balance $500 Details Step-up Year 2 of 3; rates fixed for each year as disclosed; Effective Date: December 31, 2025 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
IRA Step Up Certificate - 36 Month Step Up Certificate, Year 2	3.25%	3.30%	36 Months
Min Balance $500 Details Step Up Year 2; Effective Date: October 16, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
12 month IRA Certificate	3.20%	3.25%	12 Months
Min Balance $250 Details IRA Certificates; Effective Date: October 16, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
18 month IRA Certificate	3.20%	3.25%	18 Months
Min Balance $250 Details IRA Certificates; Effective Date: October 16, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
24 month IRA Certificate	3.20%	3.25%	24 Months
Min Balance $250 Details IRA Certificates; Effective Date: October 16, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
36 month IRA Certificate	3.20%	3.25%	36 Months
Min Balance $250 Details IRA Certificates; Effective Date: October 16, 2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00% Oct 10, 20263.25%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
48 month IRA Certificate	3.20%	3.25%	48 Months
Min Balance $250 Details IRA Certificates; Effective Date: October 16, 2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00% Oct 10, 20263.25%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
60 month IRA Certificate	3.20%	3.25%	60 Months
Min Balance $250 Details IRA Certificates; Effective Date: October 16, 2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00% Oct 10, 20263.25%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
9 Month IRA Certificate	3.20%	3.25%	9 Months
Min Balance $500 Details IRA Certificates; Effective Date: October 16, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Certificate - 12 month	3.20%	3.25%	12 Months
Min Balance $500 Details Effective Date: July 9, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Certificate - 18 month	3.20%	3.25%	18 Months
Min Balance $500 Details Effective Date: July 9, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Certificate - 24 month	3.20%	3.25%	24 Months
Min Balance $500 Details Effective Date: July 9, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Certificate - 36 month	3.20%	3.25%	36 Months
Min Balance $500 Details Effective Date: July 9, 2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00% Oct 10, 20263.25%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Certificate - 48 month	3.20%	3.25%	48 Months
Min Balance $500 Details Effective Date: July 9, 2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00% Oct 10, 20263.25%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Certificate - 6 month	3.20%	3.25%	6 Months
Min Balance $500 Details Effective Date: July 9, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Certificate - 60 month	3.20%	3.25%	60 Months
Min Balance $500 Details Effective Date: July 9, 2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00% Oct 10, 20263.25%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Certificate - 9 month	3.20%	3.25%	9 Months
Min Balance $500 Details Effective Date: July 9, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Certificate - 3 month	2.96%	3.00%	3 Months
Min Balance $500 Details Effective Date: July 9, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%

Sharon And Crescent United Credit Union Savings Rates

Product	Rate	APY
SCU Direct Savings Account	3.92%	4.00%
Min Deposit $10 Min Balance $10 Details Balance: $10.00 - $9,999.99; Premium tiered variable dividend rate and APY; Preauthorized weekly or monthly transfer from SCU Checking; $10,000 maximum opening deposit Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 10, 20264.00%▲ from 3.75% Sep 18, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
SCU Direct Savings Account	-	3.75%
Min Deposit $10 Min Balance $10,000 Details Published APY range: 3.75% - 2.75%. Balance: $10,000.00 - $49,999.99; Premium tiered variable dividend rate and APY; Preauthorized weekly or monthly transfer from SCU Checking; $10,000 maximum opening deposit Last Updated 10/30/2026 Rate History 2 changes since Sep 18, 2026 · 3.75% → 3.75% ▼ 0.00 pts · high 3.75% / low 2.75% Oct 19, 20263.75%▲ from 2.75% Oct 19, 20262.75%▼ from 3.75% Sep 18, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
IRA Share Account	0.05%	0.05%
Min Balance $5 Details Effective Date: October 16, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
MyHoliday Savings Club	0.01%	0.01%
Min Balance $1 Details Effective Date: January 1, 2026; Rates are variable Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
MyVacation Savings Club	0.01%	0.01%
Min Balance $1 Details Effective Date: January 1, 2026; Rates are variable Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Share Account	0.01%	0.01%
Min Balance $5 Details Effective Date: January 1, 2026; Rates are variable Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%

Sharon And Crescent United Credit Union Money Market Rates

Product	Rate	APY
MyPremium Money Market	2.96%	3.00%
Min Balance $500,000 Details Tier 3; Balance: $500,000 - $999,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
MyPremium Money Market	2.96%	3.00%
Min Balance $1,000,000 Details Tier 4; Balance: $1,000,000 - $2,499,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
MyPremium Money Market	2.96%	3.00%
Min Balance $2,500,000 Details Tier 5; Balance: $2,500,000 and over Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
MyPremium Money Market	2.71%	2.75%
Min Balance $50,000 Details Tier 1; Balance: $50,000 - $249,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
MyPremium Money Market	2.71%	2.75%
Min Balance $250,000 Details Tier 2; Balance: $250,000 - $499,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
MyMoney Market	1.24%	1.25%
Min Balance $50,000 Details Balance: $50,000+ Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
MyMoney Market	0.50%	0.50%
Min Balance $2,500 Details Balance: $2,500 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
MyMoney Market	0.03%	0.03%
Min Balance $5 Details Balance: $5.00 - $2,499.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%

Sharon And Crescent United Credit Union Checking Rates

Product	Rate	APY
MyInterest Checking	0.05%	0.05%
Min Balance $10,000 Details Tier 4; Balance: $10,000+ Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
MyInterest Checking	0.01%	0.01%
Min Balance $5,000 Details Tier 3; Balance: $5,000 - $9,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
MyInterest Checking	0.00%	0.00%
Min Balance $5 Details Tier 1; Balance: $5.00 - $499.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
MyInterest Checking	0.00%	0.00%
Min Balance $500 Details Tier 2; Balance: $500 - $4,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%

Sharon And Crescent United Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
On The House Refinance - 5/5 ARM	5.50%	-	5.75%	10 Years
Details Refinance only; first lien; no origination fees or points Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
On The House Refinance - 5/5 ARM	5.99%	-	6.155%	12 Years
Details Refinance only; first lien; no origination fees or points Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.16% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
5/5 ARM	-	-	6.25%	30 years
Details Adjustable rate mortgage; APR shown on homepage Last Updated 10/30/2026 Rate History 3 changes since Sep 14, 2026 · 5.50% → 6.25% ▲ 0.75 pts · high 6.25% / low 5.50% Oct 19, 20266.25%▲ from 6.00% Oct 10, 20266.00%▲ from 5.75% Sep 18, 20265.75%▲ from 5.50% Sep 14, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Jumbo Loans - Adjustable Rate First Mortgage - 7/1 Years (30 Years)	6.25%	0	6.757%	7/1 Years (30 Years)
Details Effective Date: October 15, 2026; Interest rate fixed for initial term, then adjusts by margin over index Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.76% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Adjustable Rate Mortgage (ARM) - 7/1 Years (30 Years)	6.25%	0	6.776%	7/1 Years (30 Years)
Details Effective Date: October 15, 2026 Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 6.65% → 6.78% ▲ 0.13 pts · high 6.78% / low 6.65% Oct 19, 20266.78%▲ from 6.65% Oct 14, 20266.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Jumbo Loans - Adjustable Rate First Mortgage - 5/1 Years (30 Years)	6.00%	0	6.777%	5/1 Years (30 Years)
Details Effective Date: October 15, 2026; Interest rate fixed for initial term, then adjusts by margin over index Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.78% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Adjustable Rate Mortgage (ARM) - 5/1 Years (30 Years)	6.00%	0	6.806%	5/1 Years (30 Years)
Details Effective Date: October 15, 2026 Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 6.71% → 6.81% ▲ 0.10 pts · high 6.81% / low 6.71% Oct 19, 20266.81%▲ from 6.71% Oct 14, 20266.71%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Jumbo Loans - Adjustable Rate First Mortgage - 5/5 Years (30 Years)	6.25%	0	6.875%	5/5 Years (30 Years)
Details Effective Date: October 15, 2026; Interest rate fixed for initial term, then adjusts by margin over index Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.88% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
On The House Refinance - Fixed Jumbo	6.875%	-	6.875%	12 Years
Details Refinance only; first lien; no origination fees or points Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.88% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Adjustable Rate Mortgage (ARM) - 5/5 Years (30 Years)	6.25%	0	6.894%	5/5 Years (30 Years)
Details Effective Date: October 15, 2026 Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 6.80% → 6.89% ▲ 0.10 pts · high 6.89% / low 6.80% Oct 19, 20266.89%▲ from 6.80% Oct 14, 20266.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Jumbo Loans - Adjustable Rate First Mortgage - 3/1 Years (30 Years)	5.875%	0	6.917%	3/1 Years (30 Years)
Details Effective Date: October 15, 2026; Interest rate fixed for initial term, then adjusts by margin over index Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.92% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Adjustable Rate Mortgage (ARM) - 3/1 Years (30 Years)	5.875%	0	6.936%	3/1 Years (30 Years)
Details Effective Date: October 15, 2026 Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 6.87% → 6.94% ▲ 0.06 pts · high 6.94% / low 6.87% Oct 19, 20266.94%▲ from 6.87% Oct 14, 20266.87%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Jumbo Loans - Adjustable Rate First Mortgage - 10/1 Years (30 Years)	6.875%	0	7.03%	10 years
Details Term: 10/1 Years (30 Years); Effective Date: October 15, 2026; Interest rate fixed for initial term, then adjusts by margin over index Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.03% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Adjustable Rate Mortgage (ARM) - 10/1 Years (30 Years)	6.875%	0	7.058%	10 years
Details Term: 10/1 Years (30 Years); Effective Date: October 15, 2026 Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 6.89% → 7.06% ▲ 0.17 pts · high 7.06% / low 6.89% Oct 19, 20267.06%▲ from 6.89% Oct 14, 20266.89%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%

Sharon And Crescent United Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Introductory Rate HELOC	-	-	6.125%	Max Term - Revolving
Details Introductory rate fixed for the first twelve months; thereafter Variable APR at Prime minus .50% (minimum APR 3.50%, maximum APR 18.00%); Minimum credit line $10,000.00; Maximum credit line $750,000.00; Minimum initial draw $10,000 at closing; 10-year draw period followed by 10-year repayment period; Combined Loan-to-Value (CLTV) 80% or lower Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.13% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Home Equity Loan	-	-	6.25%	1 to 10 years
Details Featured rate; See all home equity Loan Rates Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.99% → 6.25% ▲ 0.26 pts · high 6.25% / low 5.99% Oct 14, 20266.25%▲ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Home Equity Loan - 11-15 Year	-	-	7.00%	11-15 years
Details Effective Date: October 1, 2026; Rates subject to change at any time Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Home Equity Loan - 16-20 Years	-	-	7.50%	16-20 years
Details Effective Date: October 1, 2026; Rates subject to change at any time Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Home Equity Loan - 21-25 Years	-	-	8.00%	21-25 years
Details Effective Date: October 1, 2026; Rates subject to change at any time Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%

Sharon And Crescent United Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	5.49%	Up to 63 Months
Details Featured rate; See all Auto Loan Rates Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
New Auto Loan	-	-	5.49%	Up to 63 Months
Details Vehicle Year: 2025 - 2027; New vehicle: less than 5,000 miles; Up to 125% financing may be available Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.99% → 5.49% ▲ 0.50 pts · high 5.49% / low 4.99% Oct 19, 20265.49%▲ from 4.99% Sep 14, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Used Auto Loan	-	-	5.49%	Up to 63 Months
Details Vehicle Year: 2022 - 2026; Used vehicle: 2025-2026 with 5,000+ miles or 2016-2024 with 120,000 or less miles Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 4.99% → 5.49% ▲ 0.50 pts · high 5.49% / low 4.99% Oct 19, 20265.49%▲ from 4.99% Sep 18, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
New Auto Loan	-	-	5.99%	64 - 72 Months
Details Vehicle Year: 2025 - 2027; New vehicle: less than 5,000 miles; 64-75-month terms available for minimum amount financed of $10,000 on vehicles less than 90,000 miles Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.49% → 5.99% ▲ 0.50 pts · high 5.99% / low 5.49% Oct 19, 20265.99%▲ from 5.49% Sep 14, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Used Auto Loan	-	-	5.99%	64 - 72 Months
Details Vehicle Year: 2022 - 2026; Used vehicle: 2025-2026 with 5,000+ miles or 2016-2024 with 120,000 or less miles Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 5.49% → 5.99% ▲ 0.50 pts · high 5.99% / low 5.49% Oct 19, 20265.99%▲ from 5.49% Sep 18, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Used Auto Loan	-	-	6.24%	Up to 63 Months
Details Vehicle Year: 2019 - 2021; Used vehicle: 2025-2026 with 5,000+ miles or 2016-2024 with 120,000 or less miles Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 5.99% → 6.24% ▲ 0.25 pts · high 6.24% / low 5.99% Oct 19, 20266.24%▲ from 5.99% Sep 18, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
New Auto Loan	-	-	6.49%	73 - 75 Months
Details Vehicle Year: 2025 - 2027; New vehicle: less than 5,000 miles; 64-75-month terms available for minimum amount financed of $10,000 on vehicles less than 90,000 miles Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.24% → 6.49% ▲ 0.25 pts · high 6.49% / low 6.24% Oct 19, 20266.49%▲ from 6.24% Sep 14, 20266.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Used Auto Loan	-	-	6.49%	73 - 75 Months
Details Vehicle Year: 2022 - 2026; Used vehicle: 2025-2026 with 5,000+ miles or 2016-2024 with 120,000 or less miles Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 6.24% → 6.49% ▲ 0.25 pts · high 6.49% / low 6.24% Oct 19, 20266.49%▲ from 6.24% Sep 18, 20266.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
New Auto Loan	-	-	6.99%	76 - 84 Months
Details Vehicle Year: 2025 - 2027; New vehicle: less than 5,000 miles; 76-84-month terms available for minimum amount financed of $25,000 on vehicles less than 30,000 miles Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.49% → 6.99% ▲ 0.50 pts · high 6.99% / low 6.49% Oct 19, 20266.99%▲ from 6.49% Sep 14, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Used Auto Loan	-	-	6.99%	76 - 84 Months
Details Vehicle Year: 2022 - 2026; Used vehicle: 2025-2026 with 5,000+ miles or 2016-2024 with 120,000 or less miles Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Used Auto Loan	-	-	6.99%	64 - 72 Months
Details Vehicle Year: 2019 - 2021; Used vehicle: 2025-2026 with 5,000+ miles or 2016-2024 with 120,000 or less miles Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 6.74% → 6.99% ▲ 0.25 pts · high 6.99% / low 6.74% Oct 19, 20266.99%▲ from 6.74% Sep 18, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Used Auto Loan	-	-	6.99%	Up to 60 Months
Details Vehicle Year: 2016 - 2018; Used vehicle: 2025-2026 with 5,000+ miles or 2016-2024 with 120,000 or less miles Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 6.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Used Auto Loan	-	-	7.24%	73 - 75 Months
Details Vehicle Year: 2019 - 2021; Used vehicle: 2025-2026 with 5,000+ miles or 2016-2024 with 120,000 or less miles Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 6.99% → 7.24% ▲ 0.25 pts · high 7.24% / low 6.99% Oct 19, 20267.24%▲ from 6.99% Sep 18, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%

Sharon And Crescent United Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Camper Loan - New (2026 - 2027)	-	10.49%	120 Months
Details Up to 95% financing; Effective Date: January 1, 2026; 20% down payment required on campers/motor homes $100,000+ amount financed Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Camper Loan - New (2026 - 2027)	-	11.49%	180 Months
Details Up to 95% financing; Effective Date: January 1, 2026; 20% down payment required on campers/motor homes $100,000+ amount financed Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 11.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%

Sharon And Crescent United Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	9.99%	Up to 36 Months
Details Maximum Loan: $25,000.00; Membership eligibility required Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 8.99% → 9.99% ▲ 1.00 pts · high 9.99% / low 8.99% Sep 18, 20269.99%▲ from 8.99% Sep 14, 20268.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Solar Loan	10.49%	Up to 60 Months
Details Maximum Loan: $35,000.00; Effective Date: December 19, 2025 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Personal Loan	10.99%	37-48 Months
Details Maximum Loan: $25,000.00; Membership eligibility required Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 9.99% → 10.99% ▲ 1.00 pts · high 10.99% / low 9.99% Sep 18, 202610.99%▲ from 9.99% Sep 14, 20269.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Personal Loan	11.99%	49-60 Months
Details Maximum Loan: $25,000.00; Minimum loan amount of $10,000 for 49-60 month terms; Membership eligibility required Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 11.49% → 11.99% ▲ 0.50 pts · high 11.99% / low 11.49% Sep 18, 202611.99%▲ from 11.49% Sep 14, 202611.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Personal Loan	12.99%	61-72 Months
Details Maximum Loan: $25,000.00; Minimum loan amount of $15,000 for 61-72 month terms; Membership eligibility required Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 12.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%

Sharon And Crescent United Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Home Improvement Loan	-	-	7.00%	1-5 Years
Details Maximum: $100,000; No points or attorney fees associated with this loan Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Home Improvement Loan	-	-	7.25%	6-10 Years
Details Maximum: $100,000; No points or attorney fees associated with this loan Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Home Improvement Loan	-	-	7.75%	11-15 Years
Details Maximum: $100,000; No points or attorney fees associated with this loan Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Home Improvement Loan	-	-	8.25%	16-20 Years
Details Maximum: $100,000; No points or attorney fees associated with this loan Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
On The House Refinance - Fixed	5.375%	-	5.375%	5 Years
Details Refinance only; first lien; no origination fees or points Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.38% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
On The House Refinance - Fixed	5.875%	-	5.875%	10 Years
Details Refinance only; first lien; no origination fees or points Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.88% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
On The House Refinance - Fixed	6.375%	-	6.375%	12 Years
Details Refinance only; first lien; no origination fees or points Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.38% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%

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.

Financial Health History

Sharon And Crescent United Credit Union’s Texas Ratio stayed near 2.29% in Q3 2023 to 2.19% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.4B	2.19%	5.0	A+
March 31, 2026	$1.4B	1.57%	5.0	A+
December 31, 2025	$1.4B	1.93%	5.0	A+
September 30, 2025	$1.4B	2.94%	5.0	A+
June 30, 2025	$1.4B	1.63%	5.0	A+
March 31, 2025	$1.3B	1.20%	5.0	A+
December 31, 2024	$1.2B	2.14%	5.0	A+
September 30, 2024	$1.2B	1.76%	5.0	A+
June 30, 2024	$1.3B	1.57%	5.0	A+
March 31, 2024	$1.3B	2.31%	5.0	A+
December 31, 2023	$1.2B	3.13%	5.0	A+
September 30, 2023	$1.2B	2.29%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Sharon And Crescent United 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 Sharon And Crescent United 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 Sharon And Crescent United Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Sharon And Crescent United Credit Union

Website https://www.scucu.com

Address 30 Pond St, Sharon, MA 02067-2040

Phone 781-784-7725

Fax

President Howard Spiller

CEO Glenn Parsons

Full-Time Employees 154

Part-Time Employees 13

Branch Locations 11

ATM Locations 11

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.19%

Return on Assets (ROA)

0.4397%

Return on Equity (ROE)

3.4263%

Non-Performing Loans Ratio (NPL)

0.43%

Total Assets

1,401,684,022

Total Amount of Shares and Deposits

1,065,571,515

Total Shares and Deposits < 1 Year

1,017,104,868

Total Shares and Deposits 1 3 Years

46,067,726

Total Shares and Deposits > 3 Years

2,398,921

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

151,303,015

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

151,303,015

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

914,268,500

Total Interest Expense (Sum of items 6 8)

11,169,758

Share Certificates

6,080

Number of Accounts for Share Drafts

35,344

IRA KEOGH Accounts

2,571

Number of Accounts for Regular Shares

82,048

All other shares

2,027

Money Market Shares

1,768

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

100,214,143

Total Liabilities

1,222,583,864

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Sharon And Crescent United Credit Union earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Sharon And Crescent United Credit Union

Does Sharon And Crescent United Credit Union offer CDs?

Yes. Sharon And Crescent United Credit Union current CD rates include its 15 Month CD at 4.00% APY, its CD - 12 month at 3.25% APY and its CD - 18 month at 3.25% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Sharon And Crescent United Credit Union NCUA insured?

Yes. Sharon And Crescent United Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Sharon And Crescent United Credit Union?

The highest Sharon And Crescent United Credit Union CD rate is its 11 Month IRA Special CD at 4.25% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Sharon And Crescent United Credit Union offer?

Sharon And Crescent United Credit Union CD rates are 3.25% APY for a 12 month CD, 4.00% APY for a 15 month CD, 3.25% APY for an 18 month CD, 3.25% APY for a 2 year CD, 3.25% APY for a 3 year CD and 3.25% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Sharon And Crescent United Credit Union for its full lineup.

What is the highest savings rate at Sharon And Crescent United Credit Union?

The highest Sharon And Crescent United Credit Union savings rate is its SCU Direct Savings Account at 4.00% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at Sharon And Crescent United Credit Union?

The highest Sharon And Crescent United Credit Union money market rate is its MyPremium Money Market at 3.00% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at Sharon And Crescent United Credit Union?

The highest Sharon And Crescent United Credit Union checking rate is its MyInterest Checking at 0.05% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest mortgage rate at Sharon And Crescent United Credit Union?

The lowest Sharon And Crescent United Credit Union mortgage rate is its On The House Refinance - 5/5 ARM at 5.50%, verified by MonitorBankRates as of October 30, 2026. Sharon And Crescent United Credit Union mortgage rates are 6.25% for a 5 year mortgage, 5.875% for a 1 year mortgage and 5.50% for a 5/5 ARM.

What is the lowest auto loan rate at Sharon And Crescent United Credit Union?

The lowest Sharon And Crescent United Credit Union auto loan rate is its Auto Loan at 5.49% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at Sharon And Crescent United Credit Union?

The lowest Sharon And Crescent United Credit Union personal loan rate is its Personal Loan at 9.99% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does Sharon And Crescent United Credit Union operate?

Sharon And Crescent United 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 Sharon And Crescent United Credit Union?

Yes, to access services at Sharon And Crescent United 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, Sharon And Crescent United 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, Sharon And Crescent United Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Sharon And Crescent United Credit Union offer online and mobile banking?

Most modern institutions like Sharon And Crescent United 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.scucu.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Sharon And Crescent United Credit Union rates compare?

Sharon And Crescent United Credit Union's top CD rate of 4.25% APY on an 11 month CD is 43% higher than the MonitorBankRates national average for that term, and it has an A+ health rating. Sharon And Crescent United Credit Union's top rates are its 11 Month IRA Special CD at 4.25% APY, its SCU Direct Savings Account at 4.00% APY, its MyPremium Money Market at 3.00% APY, its MyInterest Checking at 0.05% APY, its On The House Refinance - 5/5 ARM at 5.50% and its Personal Loan at 9.99% APR, verified by MonitorBankRates on October 30, 2026.

Current Sharon And Crescent United Credit Union Rates

12-Month CD3.25%
18-Month CD3.25%
24-Month CD3.25%
60-Month CD3.25%
Savings4.00%
MMA3.00%

Retrieved from our database of financial products. Rates subject to change.

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Sharon And Crescent United Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Sharon And Crescent United Credit Union Texas Ratio

Sharon And Crescent United Credit Union Health Trend

Sharon And Crescent United Credit Union CD Rates

Sharon And Crescent United Credit Union Savings Rates

Sharon And Crescent United Credit Union Money Market Rates

Sharon And Crescent United Credit Union Checking Rates

Sharon And Crescent United Credit Union Mortgage Rates

Sharon And Crescent United Credit Union Home Equity & HELOC

Sharon And Crescent United Credit Union Auto Loan Rates

Sharon And Crescent United Credit Union RV, Boat and Powersport Loan Rates

Sharon And Crescent United Credit Union Personal Loan Rates

Sharon And Crescent United Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Sharon And Crescent United Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Sharon And Crescent United Credit Union

Does Sharon And Crescent United Credit Union offer CDs?

Are CDs from Sharon And Crescent United Credit Union NCUA insured?

What is the highest CD rate at Sharon And Crescent United Credit Union?

What CD terms does Sharon And Crescent United Credit Union offer?

What is the highest savings rate at Sharon And Crescent United Credit Union?

What is the highest money market rate at Sharon And Crescent United Credit Union?

What is the highest checking rate at Sharon And Crescent United Credit Union?

What is the lowest mortgage rate at Sharon And Crescent United Credit Union?

What is the lowest auto loan rate at Sharon And Crescent United Credit Union?

What is the lowest personal loan rate at Sharon And Crescent United Credit Union?

How many branches does Sharon And Crescent United Credit Union operate?

Is a member application needed to join Sharon And Crescent United Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Sharon And Crescent United Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Sharon And Crescent United Credit Union rates compare?

Current Sharon And Crescent United Credit Union Rates

Compare to Other Credit Unions