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Sheboygan Area Credit Union

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Sheboygan Area Credit Union Rates & Review November 2026

Q: What are the current interest rates at Sheboygan Area Credit Union?

Current rates for Sheboygan Area Credit Union include: 12-Month CD: 3.00%, 24-Month CD: 2.75%, 60-Month CD: 2.50%, Savings: 0.05%, MMA: 2.27%

Q: What CD terms does Sheboygan Area Credit Union offer?

Sheboygan Area Credit Union CD rates are 3.28% APY for a 6 month CD, 4.00% APY for a 9 month CD, 3.00% APY for a 12 month CD, 3.25% APY for a 13 month CD, 2.75% APY for a 2 year CD, 3.00% APY for a 25 month CD and 2.50% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Sheboygan Area Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Sheboygan Area Credit Union's CD Specials - 9 Month rates are at 4.00%, Term CD - 6 Month rates are at 3.28%, CD Specials - 13 Month rates are at 3.25%, CD Specials - 25 Month rates are at 3.00%, Term CD - 1 Year rates are at 3.00%. Sheboygan Area Credit Union's savings rates are at 0.05%. Sheboygan Area Credit Union's money market rates are at 2.27%. Sheboygan Area Credit Union's checking rates are as high as 0.10%. Sheboygan Area Credit Union's First Mortgage (In House) - Fixed Rate 7 Years rates are at 5.25%, First Mortgage (In House) - Fixed Rate 10 Years rates are at 5.75%, First Mortgage (In House) - Fixed Rate 20 Years rates are at 6.75%, First Mortgage (In House) - Fixed Rate 30 Years rates are at 7.00%. Sheboygan Area Credit Union's Personal Loan Rates are as low as 8.75%. Sheboygan Area Credit Union's CD rates are 10% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Sheboygan Area Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.48%. Rates last updated and verified on 10/29/2026.

Sheboygan Area 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 Sheboygan Area Credit Union? Share your experience about Sheboygan Area Credit Union by leaving a review below, or read customer reviews before you decide to use Sheboygan Area Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.48%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Sheboygan Area Credit Union
Sheboygan Area Credit Union

1707 Indiana Ave
Sheboygan, WI 53081

https://www.shebareacu.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.

Sheboygan Area Credit Union CD Rates

Product	Rate	APY	Term
Share Certificate Specials - 9 Month	4.00%	4.00%	9 Month
Min Deposit $5,000 Details Dividend Period: Maturity Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Term Share Certificate - 6 Month	3.25%	3.28%	6 Month
Min Deposit $1,000 Min Balance $1,000 Details Dividend Period: Maturity; Certificates for $10,000 or more with these terms: add 0.25% to APY Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.28% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Share Certificate Specials - 13 Month	3.25%	3.25%	13 Month
Min Deposit $5,000 Details Dividend Period: Annually Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Share Certificate Specials - 25 Month	3.00%	3.00%	25 Month
Min Deposit $5,000 Details Dividend Period: Annually Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Term Share Certificate - 1 Year	3.00%	3.00%	1 Year
Min Deposit $1,000 Min Balance $1,000 Details Dividend Period: Annually; Certificates for $10,000 or more with these terms: add 0.25% to APY Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Term Share Certificate - 2 Year	2.75%	2.75%	2 Year
Min Deposit $1,000 Min Balance $1,000 Details Dividend Period: Annually Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Share Certificate Specials - 37 Month	2.55%	2.55%	37 Month
Min Deposit $5,000 Details Dividend Period: Annually Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Term Share Certificate - 3 Year	2.55%	2.55%	3 Year
Min Deposit $1,000 Min Balance $1,000 Details Dividend Period: Annually Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Term Share Certificate - 4 Year	2.50%	2.50%	4 Year
Min Deposit $1,000 Min Balance $1,000 Details Dividend Period: Annually Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Term Share Certificate - 5 Year	2.50%	2.50%	5 Year
Min Deposit $1,000 Min Balance $1,000 Details Dividend Period: Annually Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Term Share Certificate - 3 Month	1.15%	1.15%	3 Month
Min Deposit $1,000 Min Balance $1,000 Details Dividend Period: Maturity Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 1.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%

Sheboygan Area Credit Union Savings Rates

Product	Rate	APY
Christmas Club	0.10%	0.10%
Min Balance $25 Details Dividend Period: Annually; Funds disbursed October 1st Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Vacation Club	0.10%	0.10%
Min Balance $25 Details Dividend Period: Annually; Funds disbursed May 1st Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Savings (Share)	0.05%	0.05%
Min Balance $100 Details Dividend Period: Quarterly; $5.00 par requirement Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%

Sheboygan Area Credit Union Money Market Rates

Product	Rate	APY
Premium Money Market	2.25%	2.27%
Min Balance $150,000 Details Balance: $150,000 and over; Dividend Period: Monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.27% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Premium Money Market	1.74%	1.75%
Min Balance $100,000 Details Balance: $100,000 and over; Dividend Period: Monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Premium Money Market	1.20%	1.21%
Min Balance $50,000 Details Balance: $50,000 and over; Dividend Period: Monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.21% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Premium Money Market	0.75%	0.75%
Min Balance $25,000 Details Balance: $25,000 and over; Dividend Period: Monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Money Market	0.50%	0.50%
Min Balance $25,000 Details Balance: $25,000.01 and over; Dividend Period: Monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Money Market	0.40%	0.40%
Min Balance $10,000 Details Balance: $10,000.01 and over; Dividend Period: Monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Premium Money Market	0.40%	0.40%
Min Balance $10,000 Details Balance: $10,000 and over; Dividend Period: Monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Money Market	0.32%	0.32%
Min Balance $5,000 Details Balance: $5,000.01 and over; Dividend Period: Monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.32% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Money Market	0.10%	0.10%
Min Balance $100 Details Balance: $100.01 and over; Dividend Period: Monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%

Sheboygan Area Credit Union Checking Rates

Product	Rate	APY	View More
Interest Share Draft	0.10%	0.10%
Min Balance $2,500 Details Dividend Period: Quarterly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%

Sheboygan Area Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
First Mortgage (In House) - Fixed Rate 7 Years	5.25%	-	5.38%	7 Years
Details Monthly payment per $1,000: $14.25; APR based on credit score of 720 or greater, 80% LTV unless noted, includes $360 processing fee Last Updated 10/29/2026 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: 0.48%
First Mortgage (In House) - Fixed Rate 10 Years	5.75%	-	5.845%	10 Years
Details Monthly payment per $1,000: $10.98; APR based on credit score of 720 or greater, 80% LTV unless noted, includes $360 processing fee Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 5.85% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
First Mortgage (In House) - Fixed Rate 20 Years	6.75%	-	6.805%	20 Years
Details Monthly payment per $1,000: $7.60; APR based on credit score of 720 or greater, 80% LTV unless noted, includes $360 processing fee Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 6.81% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
First Mortgage (In House) - Fixed Rate 30 Years	7.00%	-	7.043%	30 Years
Details Monthly payment per $1,000: $6.65; APR based on credit score of 720 or greater, 80% LTV unless noted, includes $360 processing fee Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 7.04% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%

Sheboygan Area Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan - 120 Months	5.95%	-	5.981%	120 Months
Details Fixed rate, fully amortized, 80% LTV and lower; APR based on credit score of 720 or greater Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 5.79% → 5.98% ▲ 0.20 pts · high 5.98% / low 5.79% Oct 26, 20265.98%▲ from 5.79% Oct 13, 20265.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
HELOC (Home Equity Line Of Credit)	-	-	6.50%
Details As Low As; Up to 80% LTV; Rate: (Prime minus .50%) 6.50%; Monthly Payment: 1.50% of Balance Min.; Over 80% LTV requires appraisal; Variable rate tied to Wall Street Prime; Maximum APR 17.50%; 10 year draw period Last Updated 10/29/2026 Rate History 1 change since Sep 22, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25% Oct 1, 20266.50%▲ from 6.25% Sep 22, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Home Equity Loan / Second Mortgage	6.95%	-	6.981%	120 Months
Details Over 80% LTV; Fixed rate, fully amortized; APR As Low As based on credit score 720 or greater Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 6.79% → 6.98% ▲ 0.20 pts · high 6.98% / low 6.79% Oct 19, 20266.98%▲ from 6.79% Oct 9, 20266.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Home Equity Loans / Second Mortgages	6.95%	-	6.981%	120 Months
Details Over 80% LTV; Fixed rates fully amortized; APR based on credit score of 720 or greater Last Updated 10/29/2026 Rate History 3 changes since Sep 14, 2026 · 5.66% → 6.98% ▲ 1.33 pts · high 6.98% / low 5.66% Oct 26, 20266.98%▲ from 5.98% Oct 19, 20265.98%▲ from 5.79% Oct 1, 20265.79%▲ from 5.66% Sep 14, 20265.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
HELOC (Home Equity Line Of Credit)	-	-	8.00%
Details As Low As; 80.01% to 90% LTV; Rate: (Prime + 1.00%) 8.00%; Monthly Payment: 1.50% of Balance Min.; Over 80% LTV requires appraisal; Variable rate tied to Wall Street Prime; Maximum APR 17.50%; 10 year draw period Last Updated 10/29/2026 Rate History 1 change since Sep 22, 2026 · 7.75% → 8.00% ▲ 0.25 pts · high 8.00% / low 7.75% Oct 1, 20268.00%▲ from 7.75% Sep 22, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
HELOC (Home Equity Line Of Credit)	-	-	9.00%
Details As Low As; 90.01% to 100% LTV; Rate: (Prime + 2.00%) 9.00%; Monthly Payment: 1.50% of Balance Min.; Over 80% LTV requires appraisal; Variable rate tied to Wall Street Prime; Maximum APR 17.50%; 10 year draw period Last Updated 10/29/2026 Rate History 1 change since Sep 22, 2026 · 8.75% → 9.00% ▲ 0.25 pts · high 9.00% / low 8.75% Oct 1, 20269.00%▲ from 8.75% Sep 22, 20268.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%

Sheboygan Area Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New or Used Vehicles and Motorcycles (2022 & Newer) Loan	-	-	4.25%	36 Months
Details As Low As; Model Year: 2022 & Newer Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 4.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
New or Used Vehicles and Motorcycles (2022 & Newer) Loan	-	-	4.25%	48 Months
Details As Low As; Model Year: 2022 & Newer Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 4.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
New or Used Vehicles and Motorcycles (2022 & Newer) Loan	-	-	4.25%	60 Months
Details As Low As; Model Year: 2022 & Newer Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 4.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Used Vehicles and Motorcycles (2020 - 2021) Loan	-	-	4.25%	36 Months
Details As Low As; Model Year: 2020 - 2021 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Used Vehicles and Motorcycles (2020 - 2021) Loan	-	-	4.50%	48 Months
Details As Low As; Model Year: 2020 - 2021 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 4.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Used Vehicles and Motorcycles (2020 - 2021) Loan	-	-	4.50%	60 Months
Details As Low As; Model Year: 2020 - 2021 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 4.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
New or Used Vehicles and Motorcycles (2022 & Newer) Loan	-	-	4.75%	72 Months
Details As Low As; Model Year: 2022 & Newer Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Used Vehicles and Motorcycles (2018 - 2019) Loan	-	-	5.00%	24 Months
Details As Low As; Model Year: 2018 - 2019 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Used Vehicles and Motorcycles (2018 - 2019) Loan	-	-	5.25%	36 Months
Details As Low As; Model Year: 2018 - 2019 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Used Vehicles and Motorcycles (2020 - 2021) Loan	-	-	5.25%	72 Months
Details As Low As; Model Year: 2020 - 2021 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Used Vehicles and Motorcycles (2018 - 2019) Loan	-	-	5.30%	48 Months
Details As Low As; Model Year: 2018 - 2019 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.30% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Used Vehicles and Motorcycles (2018 - 2019) Loan	-	-	5.65%	60 Months
Details As Low As; Model Year: 2018 - 2019 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.65% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
New or Used Vehicles and Motorcycles (2022 & Newer) Loan	-	-	6.00%	84 Months
Details As Low As; Model Year: 2022 & Newer; 84 month term if loan amount over $35,000 and 2023 or newer model Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Used Vehicles and Motorcycles (2015 - 2017) Loan	-	-	6.50%	24 Months
Details As Low As; Model Year: 2015 - 2017 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Used Vehicles and Motorcycles (2015 - 2017) Loan	-	-	6.75%	36 Months
Details As Low As; Model Year: 2015 - 2017 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Used Vehicles and Motorcycles (2015 - 2017) Loan	-	-	7.50%	48 Months
Details As Low As; Model Year: 2015 - 2017 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Used Vehicles and Motorcycles (2006 - 2014) Loan	-	-	7.75%	24 Months
Details As Low As; Excellent credit and three qualifying services Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Used Vehicles and Motorcycles (2006 - 2014) Loan	-	-	8.50%	36 Months
Details As Low As; Excellent credit and three qualifying services Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%

Sheboygan Area Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New or Used Recreational Vehicles - Motorhomes, Boats, Campers, Snowmobiles, ATVs (2020 and Newer) Loan	-	4.50%	24 Months
Details As Low As Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
New Recreational Vehicles - Motorhomes, Boats, Campers, Snowmobiles, ATVs (2020 and Newer) Loan	-	4.50%	24 Months
Details As Low As; Rates posted based on excellent credit and having three qualifying services; Rates as of 6/03/2025 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
New or Used Recreational Vehicles - Motorhomes, Boats, Campers, Snowmobiles, ATVs (2020 and Newer) Loan	-	4.55%	36 Months
Details As Low As Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 4.55% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
New or Used Recreational Vehicles - Motorhomes, Boats, Campers, Snowmobiles, ATVs (2020 and Newer) Loan	-	4.55%	48 Months
Details As Low As Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 4.55% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
New Recreational Vehicles - Motorhomes, Boats, Campers, Snowmobiles, ATVs (2020 and Newer) Loan	-	4.55%	36 Months
Details As Low As; Rates posted based on excellent credit and having three qualifying services; Rates as of 6/03/2025 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.55% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
New Recreational Vehicles - Motorhomes, Boats, Campers, Snowmobiles, ATVs (2020 and Newer) Loan	-	4.55%	48 Months
Details As Low As; Rates posted based on excellent credit and having three qualifying services; Rates as of 6/03/2025 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.55% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
New or Used Recreational Vehicles - Motorhomes, Boats, Campers, Snowmobiles, ATVs (2020 and Newer) Loan	-	4.75%	60 Months
Details As Low As Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
New Recreational Vehicles - Motorhomes, Boats, Campers, Snowmobiles, ATVs (2020 and Newer) Loan	-	4.75%	60 Months
Details As Low As; Rates posted based on excellent credit and having three qualifying services; Rates as of 6/03/2025 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
New or Used Recreational Vehicles - Motorhomes, Boats, Campers, Snowmobiles, ATVs (2020 and Newer) Loan	-	5.00%	60 Months Balloon
Details As Low As; Balloon loan, up to 15 yr amortization Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
New Recreational Vehicles - Motorhomes, Boats, Campers, Snowmobiles, ATVs (2020 and Newer) Loan	-	5.00%	60 Months Balloon
Details As Low As; Up to 15 yr amortization; Balloon terms available for loan amounts $25,000 or greater; Rates posted based on excellent credit and having three qualifying services; Rates as of 6/03/2025 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Used Recreational Vehicles - Motorhomes, Boats, Campers, Snowmobiles, ATVs (2019 and Older) Loan	-	5.50%	24 Months
Details As Low As; Model Year: 2019 and Older Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
New or Used Recreational Vehicles - Motorhomes, Boats, Campers, Snowmobiles, ATVs (2020 and Newer) Loan	-	5.60%	72 Months
Details As Low As Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.60% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
New Recreational Vehicles - Motorhomes, Boats, Campers, Snowmobiles, ATVs (2020 and Newer) Loan	-	5.60%	72 Months
Details As Low As; Rates posted based on excellent credit and having three qualifying services; Rates as of 6/03/2025 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.60% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Used Recreational Vehicles - Motorhomes, Boats, Campers, Snowmobiles, ATVs (2019 and Older) Loan	-	5.60%	36 Months
Details As Low As; Model Year: 2019 and Older Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.60% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Used Recreational Vehicles - Motorhomes, Boats, Campers, Snowmobiles, ATVs (2019 and Older) - Balloon Loan	-	5.85%	36 Months
Details As Low As; Balloon term, up to 15 yr amortization; available for loan amounts $25,000 or greater; APR is Annual Percentage Rate; Rates posted based on excellent credit and having three qualifying services; Rates as of 6/03/2025 and subject to change without notice Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.85% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Used Recreational Vehicles - Motorhomes, Boats, Campers, Snowmobiles, ATVs (2019 and Older) Loan	-	5.85%	36 Months Balloon
Details As Low As; Model Year: 2019 and Older; Balloon: up to 15 yr amortization; Balloon terms available for loan amounts $25,000 or greater Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.85% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Used Recreational Vehicles - Motorhomes, Boats, Campers, Snowmobiles, ATVs (2019 and Older) Loan	-	6.00%	48 Months
Details As Low As; Model Year: 2019 and Older Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Used Recreational Vehicles - Motorhomes, Boats, Campers, Snowmobiles, ATVs (2019 and Older) Loan	-	6.50%	60 Months
Details As Low As; Model Year: 2019 and Older Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%

Sheboygan Area Credit Union Personal Loan Rates

Product	APR	Term
Home Improvement Unsecured Loan (Personal Loan)	8.75%	Up to 10 Years
Details Term: Up to 10 Years and $10,000; As Low As Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Home Improvement Unsecured Loan (Personal Loan)	9.75%	Up to 15 years
Details Term: Up to 15 years and $10,000.01-$25,000; As Low As Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Personal Loan - 36 Months	9.75%	36 Months
Details As Low As; Rate posted based on excellent credit and auto payment and electronic signing with estatements Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 9.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%

Sheboygan Area Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
First Mortgage (In House) - Fixed Rate 15 Years (Max 70% LTV)	6.00%	-	6.067%	15 Years
Details Maximum 70% loan to value; Monthly payment per $1,000: $8.44; APR based on credit score of 720 or greater, 80% LTV unless noted, includes $360 processing fee Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 6.07% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
IRA	0.10%	-	0.10%
Details Dividend Period: Quarterly; Member responsible for determining maximum contribution limits on IRAs Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%

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

Sheboygan Area Credit Union’s Texas Ratio fell from 2.18% in Q3 2023 to 0.48% in Q2 2026, so its financial health has improved and is now 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	$93M	0.48%	5.0	A+
March 31, 2026	$91M	1.23%	5.0	A+
December 31, 2025	$87M	1.56%	5.0	A+
September 30, 2025	$87M	1.64%	5.0	A+
June 30, 2025	$86M	0.84%	5.0	A+
March 31, 2025	$86M	0.03%	5.0	A+
December 31, 2024	$82M	1.70%	5.0	A+
September 30, 2024	$81M	0.39%	5.0	A+
June 30, 2024	$82M	0.79%	5.0	A+
March 31, 2024	$81M	1.46%	5.0	A+
December 31, 2023	$79M	1.12%	5.0	A+
September 30, 2023	$79M	2.18%	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 Sheboygan Area 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 Sheboygan Area 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 Sheboygan Area Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Sheboygan Area Credit Union

Website https://www.shebareacu.com

Address 1707 Indiana Ave, Sheboygan, WI 53081

Phone 920-459-5151

Fax 920-459-5158

President Dione Knop

CEO Lois Pluff

Full-Time Employees 18

Part-Time Employees 2

Branch Locations 2

ATM Locations 2

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.48%

Return on Assets (ROA)

0.9523%

Return on Equity (ROE)

6.2419%

Non-Performing Loans Ratio (NPL)

0.13%

Total Assets

93,421,452

Total Amount of Shares and Deposits

78,137,932

Total Shares and Deposits < 1 Year

77,247,412

Total Shares and Deposits 1 3 Years

462,864

Total Shares and Deposits > 3 Years

427,656

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

1,807,858

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

1,807,858

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

76,330,074

Total Interest Expense (Sum of items 6 8)

250,424

Share Certificates

367

Number of Accounts for Share Drafts

3,807

IRA KEOGH Accounts

112

Number of Accounts for Regular Shares

10,027

Money Market Shares

177

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

889,673

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)

9,679,777

Total Liabilities

79,168,325

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Sheboygan Area Credit Union earned the Verified Healthy badge

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Sheboygan Area Credit Union

Does Sheboygan Area Credit Union offer CDs?

Yes. Sheboygan Area Credit Union current CD rates include its CD Specials - 9 Month at 4.00% APY, its Term CD - 6 Month at 3.28% APY and its CD Specials - 13 Month at 3.25% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Sheboygan Area Credit Union NCUA insured?

Yes. Sheboygan Area 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 Sheboygan Area Credit Union?

The highest Sheboygan Area Credit Union CD rate is its CD Specials - 9 Month at 4.00% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Sheboygan Area Credit Union offer?

Sheboygan Area Credit Union CD rates are 3.28% APY for a 6 month CD, 4.00% APY for a 9 month CD, 3.00% APY for a 12 month CD, 3.25% APY for a 13 month CD, 2.75% APY for a 2 year CD, 3.00% APY for a 25 month CD and 2.50% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Sheboygan Area Credit Union for its full lineup.

What is the highest savings rate at Sheboygan Area Credit Union?

The highest Sheboygan Area Credit Union savings rate is its Savings (Share) at 0.05% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Sheboygan Area Credit Union?

The highest Sheboygan Area Credit Union money market rate is its Premium Money Market at 2.27% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest 30 year fixed mortgage rate at Sheboygan Area Credit Union?

The lowest Sheboygan Area Credit Union 30 year fixed mortgage rate is its First Mortgage (In House) - Fixed Rate 30 Years at 7.00%, verified by MonitorBankRates as of October 29, 2026. Sheboygan Area Credit Union mortgage rates are 7.00% for a 30 year mortgage, 6.75% for a 20 year mortgage, 5.75% for a 10 year mortgage and 5.25% for a 7 year mortgage.

What is the lowest auto loan rate at Sheboygan Area Credit Union?

The lowest Sheboygan Area Credit Union auto loan rate is its New or Used Vehicles and Motorcycles (2022 & Newer) Loan at 4.25% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at Sheboygan Area Credit Union?

The lowest Sheboygan Area Credit Union personal loan rate is its Home Improvement Unsecured Loan (Personal Loan) at 8.75% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does Sheboygan Area Credit Union operate?

Sheboygan Area 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 Sheboygan Area Credit Union?

Yes, to access services at Sheboygan Area 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, Sheboygan Area 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, Sheboygan Area Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Sheboygan Area Credit Union offer online and mobile banking?

Most modern institutions like Sheboygan Area 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.shebareacu.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 Sheboygan Area Credit Union rates compare?

Sheboygan Area Credit Union's CD rates are 10% lower than the MonitorBankRates national average, and it has an A+ health rating. Sheboygan Area Credit Union's top rates are its CD Specials - 9 Month at 4.00% APY, its Savings (Share) at 0.05% APY, its Premium Money Market at 2.27% APY, its Interest Share Draft at 0.10% APY, its First Mortgage (In House) - Fixed Rate 7 Years at 5.25% and its Home Improvement Unsecured Loan (Personal Loan) at 8.75% APR, verified by MonitorBankRates on October 29, 2026.

Current Sheboygan Area Credit Union Rates

12-Month CD3.00%
24-Month CD2.75%
60-Month CD2.50%
Savings0.05%
MMA2.27%

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

Compare to Other Credit Unions

Sheboygan Area Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Sheboygan Area Credit Union Texas Ratio

Sheboygan Area Credit Union Health Trend

Sheboygan Area Credit Union CD Rates

Sheboygan Area Credit Union Savings Rates

Sheboygan Area Credit Union Money Market Rates

Sheboygan Area Credit Union Checking Rates

Sheboygan Area Credit Union Mortgage Rates

Sheboygan Area Credit Union Home Equity & HELOC

Sheboygan Area Credit Union Auto Loan Rates

Sheboygan Area Credit Union RV, Boat and Powersport Loan Rates

Sheboygan Area Credit Union Personal Loan Rates

Sheboygan Area Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Sheboygan Area Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Sheboygan Area Credit Union

Does Sheboygan Area Credit Union offer CDs?

Are CDs from Sheboygan Area Credit Union NCUA insured?

What is the highest CD rate at Sheboygan Area Credit Union?

What CD terms does Sheboygan Area Credit Union offer?

What is the highest savings rate at Sheboygan Area Credit Union?

What is the highest money market rate at Sheboygan Area Credit Union?

What is the lowest 30 year fixed mortgage rate at Sheboygan Area Credit Union?

What is the lowest auto loan rate at Sheboygan Area Credit Union?

What is the lowest personal loan rate at Sheboygan Area Credit Union?

How many branches does Sheboygan Area Credit Union operate?

Is a member application needed to join Sheboygan Area Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Sheboygan Area 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 Sheboygan Area Credit Union rates compare?

Current Sheboygan Area Credit Union Rates

Compare to Other Credit Unions