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SHERWIN Rates & Review March 2026

Q: Is SHERWIN a safe place to deposit money?

Yes, SHERWIN is considered a safe financial institution. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

Q: How many branches does SHERWIN operate?

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

Q: Is a member application needed to join SHERWIN?

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

Q: Is there a first-time homebuyer program?

Currently, SHERWIN 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.

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 29, 2026

You can compare SHERWIN rates to other rates in our database, including 12-month share certificate rates currently at 3.25%, 6-month share certificate rates at 1.00% and 3-month share certificate rates at 2.70%. Savings rates are at 1.50% and money market rates are at 0.10%. Mortgage rates on 30-year fixed loans are around 5.78%. All these rates can be compared to SHERWIN rates. MonitorBankRates evaluates the financial stability of SHERWIN with a 5.0 Star Rating and an A+ Overall Health Grade. Rates were last updated on 03/29/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

No Data No data

Lea County State Bank
Main Office

607 8th St
Portland, TX 78374

http wwwsherwinfcuorg

Current Rate Availability

We do not have SHERWIN rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for SHERWIN 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 SHERWIN 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 SHERWIN's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name SHERWIN

Website http wwwsherwinfcuorg

Address 607 8th St, Portland, TX 78374

Phone 361-704-9100

Fax 361-704-6966

President Jacob Lopez

CEO SANDRA REYES

Full-Time Employees 3

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Return on Assets (ROA)

-0.6955%

Return on Equity (ROE)

-2.0558%

Non-Performing Loans Ratio (NPL)

0.00%

Total Assets

6,973,444

Total Amount of Shares and Deposits

4,553,468

Total Shares and Deposits < 1 Year

4,553,467

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

4,553,468

Total Interest Expense (Sum of items 6 8)

10,966

Share Certificates

Number of Accounts for Share Drafts

310

Number of Accounts for Regular Shares

846

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

1,283,345

Total Liabilities

4,614,079

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About SHERWIN

Is SHERWIN a safe place to deposit money?

Yes, SHERWIN is considered a safe financial institution. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does SHERWIN operate?

SHERWIN 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 SHERWIN?

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

Does SHERWIN offer online and mobile banking?

Most modern institutions like SHERWIN 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: http wwwsherwinfcuorg.