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%

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Sharon And Crescent United Credit Union

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Sharon And Crescent United Credit Union Rates & Review October 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

Sharon And Crescent United Credit Union's top rates as of October 10, 2026 are 4.25% APY on its 30 Month CD Special, 4.00% APY on savings, 3.00% APY on money market accounts, 0.05% APY on checking, 5.50% on its Refinance Your Mortgage - On The House - 5/5 ARM, and personal loans from 9.99% APR, according to rates verified by MonitorBankRates. Other Sharon And Crescent United Credit Union CD rates include 30 Month IRA Special at 4.25%, 15 Month CD Special at 4.00%, and 15 Month IRA Special at 4.00%. Other Sharon And Crescent United Credit Union mortgage rates include 10 Year Fixed Rate Mortgage at 5.88%, Fixed Jumbo at 5.88%, and 5/5 ARM at 6.00%. 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 10/10/2026.

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 Q2 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
30 Month Certificate Special	4.17%	4.25%	30 Month
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 3.25% → 4.25% ▲ 1.00 pts · high 4.25% / low 3.25% Oct 10, 20264.25%▲ from 3.25% Sep 22, 20263.25%first recorded 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 Last Updated 10/10/2026 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%
15 Month Certificate Special	3.93%	4.00%	15 Month
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 4.00% APY · checked 5 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 $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
7 Month Certificate Special	3.69%	3.75%	7 Month
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
36 Month Step Up Year 1	3.00%	3.30%	36 months
Min Balance $500 Details Rates for each year of the 36-Month Step-Up Certificate account are fixed for that year as disclosed. APY = Annual Percentage Yield. All offered rates subject to change at any time. Rates for Certificate accounts are fixed at the time of account opening for the term of the account. Penalty may apply for early withdrawal from a Certificate account. Fees may reduce earnings. Please refer to SCU's Important Account Information for Our Members and Schedule of Fees and Service Charges for important information and disclosures. Minimum balance required to open and earn the stated Annual Percentage Yield. Other terms and conditions may apply. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
36 Month Step Up Year 2	3.25%	3.30%	36 months
Min Balance $500 Details Rates for each year of the 36-Month Step-Up Certificate account are fixed for that year as disclosed. APY = Annual Percentage Yield. All offered rates subject to change at any time. Rates for Certificate accounts are fixed at the time of account opening for the term of the account. Penalty may apply for early withdrawal from a Certificate account. Fees may reduce earnings. Please refer to SCU's Important Account Information for Our Members and Schedule of Fees and Service Charges for important information and disclosures. Minimum balance required to open and earn the stated Annual Percentage Yield. Other terms and conditions may apply. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
12 Month Certificate	3.20%	3.25%	12 Months
Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 7 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 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
18 Month Certificate	3.20%	3.25%	18 Months
Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 7 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 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
24 Month Certificate	3.20%	3.25%	24 Months
Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 7 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 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
36 Month Certificate	3.20%	3.25%	36 Months
Min Balance $500 Last Updated 10/10/2026 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%
36 month IRA Certificate	3.20%	3.25%	36 Months
Min Balance $250 Last Updated 10/10/2026 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 Certificate	3.20%	3.25%	48 Months
Min Balance $500 Last Updated 10/10/2026 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 Last Updated 10/10/2026 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%
6 Month Certificate	3.20%	3.25%	6 Months
Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
60 Month Certificate	3.20%	3.25%	60 Months
Min Balance $500 Last Updated 10/10/2026 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 Last Updated 10/10/2026 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 Certificate	3.20%	3.25%	9 Months
Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
9 Month IRA Certificate	3.20%	3.25%	9 Month
Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
3 Month Certificate	2.96%	3.00%	3 Months
Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 7 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 Balance $10 Details Tier 1; SCU Direct account offers a higher dividend rate to members who save systematically with a preauthorized weekly or monthly transfer from a SCU Checking Account. Unlimited withdrawals only when made in person. Online transfer available. Premium tiered variable dividend rate and APY. $10.00 minimum preauthorized transfer amount to open from your SCU Checking Account. $10,000 maximum opening deposit. Subsequent deposits to this account may be made only by means of a preauthorized weekly or monthly transfer from your qualifying checking account. Changing your transfer amount or frequency to this account can be done at any of our branch locations or by calling the contact center at 781-784-7725 or toll free at 877-661-3300; APY = Annual Percentage Yield. Rates are variable and may change after the account is opened at any time at SCU's discretion. Fees may reduce earnings on the account. Other conditions may apply. Please refer to SCU's Important Account Information for Our Members and Schedule of Fees and Service Charges for important information and disclosures.; Minimum balance required to open and earn the stated Annual Percentage Yield. Other terms and conditions may apply. Last Updated 10/10/2026 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	2.47%	3.75%
Min Balance $10,000 Details Published APY range: 3.75% - 2.75%. Tier 2; SCU Direct account offers a higher dividend rate to members who save systematically with a preauthorized weekly or monthly transfer from a SCU Checking Account. Unlimited withdrawals only when made in person. Online transfer available. Premium tiered variable dividend rate and APY. $10.00 minimum preauthorized transfer amount to open from your SCU Checking Account. $10,000 maximum opening deposit. Subsequent deposits to this account may be made only by means of a preauthorized weekly or monthly transfer from your qualifying checking account. Changing your transfer amount or frequency to this account can be done at any of our branch locations or by calling the contact center at 781-784-7725 or toll free at 877-661-3300; APY = Annual Percentage Yield. Rates are variable and may change after the account is opened at any time at SCU's discretion. Fees may reduce earnings on the account. Other conditions may apply. Please refer to SCU's Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 6 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 APY = Annual Percentage Yield. Requires a $5.00 minimum balance to open the account and remain on deposit to maintain membership status. Rates are variable and may change after the account is opened at any time at SCU's discretion. Fees may reduce earnings on the account. Other conditions may apply. Please refer to SCU's Important Account Information for Our Members and Schedule of Fees and Service Charges for important information and disclosures. Minimum balance required to open and earn the stated Annual Percentage Yield. Other terms and conditions may apply. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 7 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 APY = Annual Percentage Yield. Requires a $5.00 minimum balance to open the account and remain on deposit to maintain membership status. Rates are variable and may change after the account is opened at any time at SCU's discretion. Fees may reduce earnings on the account. Other conditions may apply. Please refer to SCU's Important Account Information for Our Members and Schedule of Fees and Service Charges for important information and disclosures. Minimum balance required to open and earn the stated Annual Percentage Yield. Other terms and conditions may apply. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 7 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 Balance: $500,000 - $999,999.99; APY = Annual Percentage Yield. Rates are variable and may change after the account is opened at any time at SCU's discretion. Fees may reduce earnings on the account. Other conditions may apply. Please refer to SCU's Important Account Information for Our Members and Schedule of Fees and Service Charges for important information and disclosures. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 6 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 Balance: $1,000,000 - $2,499,999.99; APY = Annual Percentage Yield. Rates are variable and may change after the account is opened at any time at SCU's discretion. Fees may reduce earnings on the account. Other conditions may apply. Please refer to SCU's Important Account Information for Our Members and Schedule of Fees and Service Charges for important information and disclosures. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 6 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 Balance: $2,500,000+; APY = Annual Percentage Yield. Rates are variable and may change after the account is opened at any time at SCU's discretion. Fees may reduce earnings on the account. Other conditions may apply. Please refer to SCU's Important Account Information for Our Members and Schedule of Fees and Service Charges for important information and disclosures. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 6 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 Balance: $50,000 - $249,999.99; APY = Annual Percentage Yield. Rates are variable and may change after the account is opened at any time at SCU's discretion. Fees may reduce earnings on the account. Other conditions may apply. Please refer to SCU's Important Account Information for Our Members and Schedule of Fees and Service Charges for important information and disclosures. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 6 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 Balance: $250,000 - $499,999.99; APY = Annual Percentage Yield. Rates are variable and may change after the account is opened at any time at SCU's discretion. Fees may reduce earnings on the account. Other conditions may apply. Please refer to SCU's Important Account Information for Our Members and Schedule of Fees and Service Charges for important information and disclosures. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 6 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 10/10/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 7 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 10/10/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 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 10/10/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 7 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 Balance: $10,000+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 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 Balance: $5,000 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 5 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
Refinance Your Mortgage - On The House - 5/5 ARM	5.50%	-	5.75%	10 Years
Details Receive a notification when this rate changesReceive a notification when this rate changes Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
10 Year Fixed Rate Mortgage	5.875%	-	5.875%	10 Years
Details Receive a notification when this rate changesReceive a notification when this rate changes Last Updated 10/10/2026 Rate History 1 change since Sep 27, 2026 · 5.63% → 5.88% ▲ 0.25 pts · high 5.88% / low 5.63% Oct 2, 20265.88%▲ from 5.63% Sep 27, 20265.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Fixed Jumbo	5.875%	-	5.875%	5 Years
Details Receive a notification when this rate changesReceive a notification when this rate changes Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 5.63% → 5.88% ▲ 0.25 pts · high 5.88% / low 5.63% Oct 2, 20265.88%▲ from 5.63% Sep 14, 20265.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
5/5 ARM	-	-	6.00%	30 years
No additional details. Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 5.50% → 6.00% ▲ 0.50 pts · high 6.00% / low 5.50% 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%
Refinance Your Mortgage - On The House - 5/5 ARM	5.99%	-	6.155%	12 Years
Details Receive a notification when this rate changesReceive a notification when this rate changes Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.16% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
12 Year Fixed Rate Mortgage	6.375%	-	6.375%	12 Years
Details Receive a notification when this rate changesReceive a notification when this rate changes Last Updated 10/10/2026 Rate History 1 change since Sep 27, 2026 · 6.13% → 6.38% ▲ 0.25 pts · high 6.38% / low 6.13% Oct 2, 20266.38%▲ from 6.13% Sep 27, 20266.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Fixed Jumbo	6.375%	-	6.375%	10 Years
Details Receive a notification when this rate changesReceive a notification when this rate changes Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.13% → 6.38% ▲ 0.25 pts · high 6.38% / low 6.13% Oct 2, 20266.38%▲ from 6.13% Sep 14, 20266.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Jumbo Loans - Adjustable Rate First Mortgages (ARM) - 7/1 Years (30 Years)	6.00%	0	6.629%	7/1 Years (30 Years)
Details Purchase owner occupied primary properties, single family residence; warrantable condominiums; 2-4 unit properties; credit score 720 or higher; Loan-to-value 80% or below. Initial 84 payments of $4,795.22 at a rate of 5.625%. Then, based on the current index, 275 payments of $5,071.53 at a rate of 6.250%, and 1 payment of $5,073.95 at a rate of 6.250%. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.63% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Adjustable Rate Mortgages (ARM) - 7/1 Years (30 Years)	6.00%	0	6.648%	7/1 Years (30 Years)
Details Rates are determined by loan amount, creditworthiness, loan-to value (LTV), loan term, occupancy status, property type, loan purpose, and lien position, so your rate could be higher. Advertised rates are based on a set of loan assumptions; 0 discounted points or fees, Purchase owner occupied primary properties, single family residence; warrantable condominiums; 2-4 unit properties; credit score 720 or higher; Loan-to-value 80% or below. Your actual rate, fees, payment, terms and costs could vary based on when your rate is locked, and according to the property and loan characteristics. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.65% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Jumbo Loans - Adjustable Rate First Mortgages (ARM) - 5/1 Years (30 Years)	5.75%	0	6.678%	5/1 Years (30 Years)
Details Purchase owner occupied primary properties, single family residence; warrantable condominiums; 2-4 unit properties; credit score 720 or higher; Loan-to-value 80% or below. Initial 60 payments of $4,599.86 at a rate of 5.250%. Then, based on the current index, 299 payments of $5,063.66 at a rate of 6.250% and 1 payment of $5,060.46 at a rate of 6.250%. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.68% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Adjustable Rate Mortgages (ARM) - 5/1 Years (30 Years)	5.75%	0	6.707%	5/1 Years (30 Years)
Details Rates are determined by loan amount, creditworthiness, loan-to value (LTV), loan term, occupancy status, property type, loan purpose, and lien position, so your rate could be higher. Advertised rates are based on a set of loan assumptions; 0 discounted points or fees, Purchase owner occupied primary properties, single family residence; warrantable condominiums; 2-4 unit properties; credit score 720 or higher; Loan-to-value 80% or below. Your actual rate, fees, payment, terms and costs could vary based on when your rate is locked, and according to the property and loan characteristics. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.71% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Jumbo Loans - Adjustable Rate First Mortgages (ARM) - 5/5 Years (30 Years)	6.00%	0	6.775%	5/5 Years (30 Years)
Details Purchase owner occupied primary properties, single family residence; warrantable condominiums; 2-4 unit properties; credit score 720 or higher; Loan-to-value 80% or below. Initial 60 payments of $4,861.16 at a rate of 5.750%. Then, based on the current index, 299 payments of $5,097.33 at a rate of 6.250% and 1 payment of $5,094.01 at a rate of 6.250%. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.78% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Adjustable Rate Mortgages (ARM) - 5/5 Years (30 Years)	6.00%	0	6.795%	5/5 Years (30 Years)
Details Rates are determined by loan amount, creditworthiness, loan-to value (LTV), loan term, occupancy status, property type, loan purpose, and lien position, so your rate could be higher. Advertised rates are based on a set of loan assumptions; 0 discounted points or fees, Purchase owner occupied primary properties, single family residence; warrantable condominiums; 2-4 unit properties; credit score 720 or higher; Loan-to-value 80% or below. Your actual rate, fees, payment, terms and costs could vary based on when your rate is locked, and according to the property and loan characteristics. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.80% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Jumbo Loans - Adjustable Rate First Mortgages (ARM) - 3/1 Years (30 Years)	5.625%	0	6.852%	3/1 Years (30 Years)
Details Purchase owner occupied primary properties, single family residence; warrantable condominiums; 2-4 unit properties; credit score 720 or higher; Loan-to-value 80% or below. Initial 36 payments of $4,535.58 at a rate of 5.125%. Then, based on the current index, 323 payments of $5,085.66 at a rate of 6.250%, and 1 payment of $5,085.94 at a rate of 6.250%. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.85% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Jumbo Loans - Adjustable Rate First Mortgages (ARM) - 10/1 Years (30 Years)	6.625%	0	6.863%	10 years
Details Term: 10/1 Years (30 Years); Purchase owner occupied primary properties, single family residence; warrantable condominiums; 2-4 unit properties; credit score 720 or higher; Loan-to-value 80% or below. Initial 120 payments of $5,061.40 at a rate of 6.125%. Then, based on the current index, 239 payments of $5,112.22 at a rate of 6.250% and 1 payment of $5,111.40 at a rate of 6.250%. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.86% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Adjustable Rate Mortgages (ARM) - 3/1 Years (30 Years)	5.625%	0	6.871%	3/1 Years (30 Years)
Details Rates are determined by loan amount, creditworthiness, loan-to value (LTV), loan term, occupancy status, property type, loan purpose, and lien position, so your rate could be higher. Advertised rates are based on a set of loan assumptions; 0 discounted points or fees, Purchase owner occupied primary properties, single family residence; warrantable condominiums; 2-4 unit properties; credit score 720 or higher; Loan-to-value 80% or below. Your actual rate, fees, payment, terms and costs could vary based on when your rate is locked, and according to the property and loan characteristics. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.87% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Fixed Jumbo	6.875%	-	6.875%	12 Years
Details Receive a notification when this rate changesReceive a notification when this rate changes Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.63% → 6.88% ▲ 0.25 pts · high 6.88% / low 6.63% Oct 2, 20266.88%▲ from 6.63% Sep 14, 20266.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Adjustable Rate Mortgages (ARM) - 10/1 Years (30 Years)	6.625%	0	6.89%	10 years
Details Term: 10/1 Years (30 Years); Rates are determined by loan amount, creditworthiness, loan-to value (LTV), loan term, occupancy status, property type, loan purpose, and lien position, so your rate could be higher. Advertised rates are based on a set of loan assumptions; 0 discounted points or fees, Purchase owner occupied primary properties, single family residence; warrantable condominiums; 2-4 unit properties; credit score 720 or higher; Loan-to-value 80% or below. Your actual rate, fees, payment, terms and costs could vary based on when your rate is locked, and according to the property and loan characteristics. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.89% APR 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 Home Equity Line of Credit (HELOC)	-	-	6.125%	Max Term - Revolving
Details Introductory Rate is for the first twelve months Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 5.99% → 6.13% ▲ 0.13 pts · high 6.13% / low 5.99% Oct 2, 20266.13%▲ 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	-	-	6.25%	1-5 Years
Details No points or attorney fees are associated with this loan. Applicable Trust review and recording fees apply. Other restrictions may apply. Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 5.99% → 6.25% ▲ 0.26 pts · high 6.25% / low 5.99% Oct 2, 20266.25%▲ from 5.99% Sep 22, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Home Equity Loan	-	-	6.25%	6-10 Years
Details No points or attorney fees are associated with this loan. Applicable Trust review and recording fees apply. Other restrictions may apply. Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 5.99% → 6.25% ▲ 0.26 pts · high 6.25% / low 5.99% Oct 2, 20266.25%▲ from 5.99% Sep 22, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
HELOC (Interest Only Payment)	-	-	6.50%	Max Term - Revolving
Details Minimum APR is 3.50%; Maximum APR is 18.00%; Variable APR equal to The Wall Street Journal Prime Rate (currently 7.00% as of September 17, 2026) minus .50% for the life of the loan thereafter; The current Variable rate is 6.50% APR; This rate is set monthly and subject to change; The amount of payments may change in the event that the Prime rate changes; Borrowers who maintain their first mortgage with SCU Credit Union may be eligible for a floor rate of 3.00% APR; Owner occupied properties only in MA or RI; Maximum LTV requirements apply; Up to 80% of the assessed value or up to 80% of the appraised value less the remaining balance on your first mortgage on 1-4 family owner occupied residences; Minimum credit line is $10,000.00; Credit lines available up to $750,000.00; Interest begins accruing upon loan disbursal; 10-year draw period followed by a 10-year repayment period; Property insurance and flood insurance, if applicable, are required; Closing costs do not include any taxes (if necessary); No points or closing attorney fees are associated with this loan; Applicable Trust and Power of Attorney review and recording fees apply; If the line of credit is paid off within 36 months, the borrower will be responsible for waived closing fees; These costs generally range from $300-$600; Consult your tax professional regarding deductibility of interest; A $5 primary share account is required for membership for each borrower; Membership eligibility required; Subject to creditworthiness; All loans are subject to credit approval; Other restrictions may apply. Last Updated 10/10/2026 Rate History No change since Oct 2, 2026 · 6.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Standard HELOC (Principal and Interest Payments)	-	-	6.50%	Max Term - Revolving
Details Minimum APR is 3.50%; Maximum APR is 18.00%; Variable APR equal to The Wall Street Journal Prime Rate (currently 7.00% as of September 17, 2026) minus .50% for the life of the loan thereafter; The current Variable rate is 6.50% APR; This rate is set monthly and subject to change; The amount of payments may change in the event that the Prime rate changes; Borrowers who maintain their first mortgage with SCU Credit Union may be eligible for a floor rate of 3.00% APR; Owner occupied properties only in MA or RI; Maximum LTV requirements apply; Up to 80% of the assessed value or up to 80% of the appraised value less the remaining balance on your first mortgage on 1-4 family owner occupied residences; Minimum credit line is $10,000.00; Credit lines available up to $750,000.00; Interest begins accruing upon loan disbursal; 10-year draw period followed by a 10-year repayment period; Property insurance and flood insurance, if applicable, are required; Closing costs do not include any taxes (if necessary); No points or closing attorney fees are associated with this loan; Applicable Trust and Power of Attorney review and recording fees apply; If the line of credit is paid off within 36 months, the borrower will be responsible for waived closing fees; These costs generally range from $300-$600; Consult your tax professional regarding deductibility of interest; A $5 primary share account is required for membership for each borrower; Membership eligibility required; Subject to creditworthiness; All loans are subject to credit approval; Other restrictions may apply. Last Updated 10/10/2026 Rate History No change since Oct 2, 2026 · 6.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Home Equity Home Improvement Loan	-	-	7.00%	1-5 Years
Details Maximum LTV requirements apply. Property insurance is required. Appraisal fee and/or flood insurance coverage may be required. No points or attorney fees are associated with this loan. Applicable Trust review and recording fees apply. Other restrictions may apply. Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 6.25% → 7.00% ▲ 0.75 pts · high 7.00% / low 6.25% Oct 2, 20267.00%▲ from 6.75% Sep 18, 20266.75%▲ from 6.25% Sep 14, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Home Equity Loan	-	-	7.00%	11-15 Year
Details No points or attorney fees are associated with this loan. Applicable Trust review and recording fees apply. Other restrictions may apply. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 2, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Home Equity Home Improvement Loan	-	-	7.25%	6-10 Years
Details Maximum LTV requirements apply. Property insurance is required. Appraisal fee and/or flood insurance coverage may be required. No points or attorney fees are associated with this loan. Applicable Trust review and recording fees apply. Other restrictions may apply. Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 6.50% → 7.25% ▲ 0.75 pts · high 7.25% / low 6.50% Oct 2, 20267.25%▲ from 7.00% Sep 18, 20267.00%▲ from 6.50% Sep 14, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Home Equity Loan	-	-	7.50%	16-20 Years
Details No points or attorney fees are associated with this loan. Applicable Trust review and recording fees apply. Other restrictions may apply. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 7.25% → 7.50% ▲ 0.25 pts · high 7.50% / low 7.25% Oct 2, 20267.50%▲ from 7.25% Sep 14, 20267.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Home Equity Home Improvement Loan	-	-	7.75%	11-15 Years
Details Maximum LTV requirements apply. Property insurance is required. Appraisal fee and/or flood insurance coverage may be required. No points or attorney fees are associated with this loan. Applicable Trust review and recording fees apply. Other restrictions may apply. Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 7.25% → 7.75% ▲ 0.50 pts · high 7.75% / low 7.25% Oct 2, 20267.75%▲ from 7.50% Sep 18, 20267.50%▲ from 7.25% Sep 14, 20267.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Home Equity Loan	-	-	8.00%	21-25 Years
Details No points or attorney fees are associated with this loan. Applicable Trust review and recording fees apply. Other restrictions may apply. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 7.75% → 8.00% ▲ 0.25 pts · high 8.00% / low 7.75% Oct 2, 20268.00%▲ from 7.75% Sep 14, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Home Equity Home Improvement Loan	-	-	8.25%	16-20 Years
Details Maximum LTV requirements apply. Property insurance is required. Appraisal fee and/or flood insurance coverage may be required. No points or attorney fees are associated with this loan. Applicable Trust review and recording fees apply. Other restrictions may apply. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 8.00% → 8.25% ▲ 0.25 pts · high 8.25% / low 8.00% Oct 2, 20268.25%▲ from 8.00% Sep 14, 20268.00%first recorded 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
New Auto Loan	-	-	4.99%	Up to 63 Months
Details Vehicle Year: 2025 - 2027; Your rate, term, and approved loan amount may vary based on your creditworthiness. Advertised APR is the lowest available. Not all borrowers will qualify for the lowest rate. Rates are effective as of today's date and are subject to change without notice. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Used Auto Loans - 2022 - 2026	-	-	4.99%	Up to 63 Months
Details Vehicle Year: 2022 - 2026 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
New Auto Loan	-	-	5.49%	64 - 72 Months
Details Vehicle Year:; 64-75-month terms available for a minimum amount financed of $10,000 on vehicles less than 90,000 miles. Your rate, term, and approved loan amount may vary based on your creditworthiness. Advertised APR is the lowest available. Not all borrowers will qualify for the lowest rate. Rates are effective as of today's date and are subject to change without notice. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Used Auto Loans - 2022 - 2026	-	-	5.49%	64 - 72 Months
Details Vehicle Year: 2022 - 2026 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Used Auto Loans - 2019 - 2021	-	-	5.99%	Up to 63 Months
Details Vehicle Year: 2019 - 2021 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
New Auto Loan	-	-	6.24%	73 - 75 Months
Details Vehicle Year:; 64-75-month terms available for a minimum amount financed of $10,000 on vehicles less than 90,000 miles. Your rate, term, and approved loan amount may vary based on your creditworthiness. Advertised APR is the lowest available. Not all borrowers will qualify for the lowest rate. Rates are effective as of today's date and are subject to change without notice. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Used Auto Loans - 2022 - 2026	-	-	6.24%	73 - 75 Months
Details Vehicle Year: 2022 - 2026 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
New Auto Loan	-	-	6.49%	76 - 84 Months
Details Vehicle Year:; 76-84-month terms available for a minimum amount financed of $25,000 on vehicles less than 30,000 miles. Your rate, term, and approved loan amount may vary based on your creditworthiness. Advertised APR is the lowest available. Not all borrowers will qualify for the lowest rate. Rates are effective as of today's date and are subject to change without notice. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Used Auto Loans - 2019 - 2021	-	-	6.74%	64 - 72 Months
Details Vehicle Year: 2019 - 2021 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Used Auto Loans - 2016 - 2018	-	-	6.99%	Up to 60 Months
Details Vehicle Year: 2016 - 2018 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Used Auto Loans - 2019 - 2021	-	-	6.99%	73 - 75 Months
Details Vehicle Year: 2019 - 2021 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 6 times 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 Loans - New (2026 - 2027)	-	10.49%	120 Months
Details Maximum loan amount for campers is $125,000. Maximum loan amount for motorhomes is $300,000. Loan amounts greater than $100,000 require a minimum 20% down payment. Your rate, term, and approved loan amount may vary based on your creditworthiness. Advertised APR is the lowest available. Not all borrowers will qualify for the lowest rate. Rates are effective as of today's date and are subject to change without notice. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Camper Loans - New (2026 - 2027)	-	11.49%	180 Months
Details Maximum loan amount for campers is $125,000. Maximum loan amount for motorhomes is $300,000. Loan amounts greater than $100,000 require a minimum 20% down payment. Your rate, term, and approved loan amount may vary based on your creditworthiness. Advertised APR is the lowest available. Not all borrowers will qualify for the lowest rate. Rates are effective as of today's date and are subject to change without notice. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.49% APR · checked 7 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 Loans	9.99%	Up to 36 Months
Details Maximum Loan: $25,000.00 Last Updated 10/10/2026 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%
Personal Loans	10.99%	37-48 Months
Details Maximum Loan: $25,000.00 Last Updated 10/10/2026 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 Loans	11.99%	49-60 Months
Details Maximum Loan: $25,000.00; 49-60 month terms available for a minimum loan amount of $10,000. Last Updated 10/10/2026 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 Loans	12.99%	61-72 Months
Details Maximum Loan: $25,000.00; 61-72 month terms available for a minimum loan amount of $15,000. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 12.99% APR · checked 6 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
Solar Loan	-	-	10.49%	Up to 60 Months
Details Maximum Loan: $35,000.00 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
IRA Share Account	0.05%	-	0.05%
Min Balance $5 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%
Share Account	0.01%	-	0.01%
Min Balance $5 Details APY = Annual Percentage Yield. Requires a $5.00 minimum balance to open the account and remain on deposit to maintain membership status. Rates are variable and may change after the account is opened at any time at SCU's discretion. Fees may reduce earnings on the account. Other conditions may apply. Please refer to SCU's Important Account Information for Our Members and Schedule of Fees and Service Charges for important information and disclosures. Minimum balance required to open and earn the stated Annual Percentage Yield. Other terms and conditions may apply. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 7 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

Q2 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

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.

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.

Compare to Other Credit Unions

Sharon And Crescent United Credit Union Rates & Review October 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

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?

Current Sharon And Crescent United Credit Union Rates

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