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 Shore to Shore Community Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 11, 2026
Shore to Shore Community Federal Credit Union's 60 month 5 Year Tier 3 CD rates are at 2.95%, 60 month 5 Year Tier 2 CD rates are at 2.90%, 48 month 4 Year Tier 3 CD rates are at 2.85%, 60 month 5 Year Tier 1 CD rates are at 2.85%, 48 month 4 Year Tier 2 CD rates are at 2.80%. Shore to Shore Community Federal Credit Union's savings rates are at 0.05%. Shore to Shore Community Federal Credit Union's money market rates are at 0.55%. Shore to Shore Community Federal Credit Union's Personal Loan Rates are at 5.74%. MonitorBankRates evaluates the financial stability of Shore to Shore Community Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.27%. Rates were last updated on 04/11/2026. Shore to Shore Community Federal 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 Shore to Shore Community Federal Credit Union? Share your experience about Shore to Shore Community Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Shore to Shore Community Federal Credit Union. Shore to Shore Community Federal Credit Union
Main Office 4550 Division St
https://www.shore2shorecu.com Trenton, MI 48183 
Shore to Shore Community Federal Credit Union CD Rates
Shore to Shore Community Federal Credit Union Savings Rates
Shore to Shore Community Federal Credit Union Money Market Rates
Shore to Shore Community Federal Credit Union Home Equity & HELOC
Shore to Shore Community Federal Credit Union Credit Card Rates
Shore to Shore Community Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Shore to Shore Community Federal 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 Shore to Shore Community Federal 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 Shore to Shore Community Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Shore to Shore Community Federal Credit Union
Website
https://www.shore2shorecu.com
Address
4550 Division St,
Trenton, MI 48183
Phone
734-675-3100
Fax
734-675-4204
President
Richard Savage
CEO
Jennifer Guest
Full-Time Employees
15
Part-Time Employees
1
Branch Locations
2
ATM Locations
2
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.27%
Return on Assets (ROA)
1.0540%
Return on Equity (ROE)
9.2668%
Non-Performing Loans Ratio (NPL)
2.03%
Total Assets
81,524,403
Total Amount of Shares and Deposits
71,854,651
Total Shares and Deposits < 1 Year
71,647,404
Total Shares and Deposits 1 3 Years
100,430
Total Shares and Deposits > 3 Years
106,817
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,414,885
Total Uninsured Shares and Deposits > $250K (F+J)
3,414,885
Total Insured Shares and Deposits > $250K (item 17 less item K)
68,439,766
Total Interest Expense (Sum of items 6 8)
102,303
Share Certificates
201
Number of Accounts for Share Drafts
3,696
IRA KEOGH Accounts
96
Number of Accounts for Regular Shares
6,766
Money Market Shares
159
Net Income (unless the amount is already included in Undivided Earnings)
859,256
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
4,571,471
Total Liabilities
72,286,889
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Shore to Shore Community Federal Credit UnionIs Shore to Shore Community Federal Credit Union a safe place to deposit money?Yes, Shore to Shore Community Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 6.2742836226832%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Shore to Shore Community Federal Credit Union operate?Shore to Shore Community Federal 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 Shore to Shore Community Federal Credit Union?Yes, to access services at Shore to Shore Community Federal 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, Shore to Shore Community Federal 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, Shore to Shore Community Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Shore to Shore Community Federal Credit Union offer online and mobile banking?Most modern institutions like Shore to Shore Community Federal 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.shore2shorecu.com. Current Shore to Shore Community Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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