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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Shoreline Credit Union Rates & Review November 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 and Verified: October 29, 2026
Shoreline Credit Union's CD - 24 Month rates are at 4.01%, CD - 60 Month rates are at 3.85%, CD - 36 Month rates are at 3.80%, CD - 48 Month rates are at 3.65%, CD - 12 Month rates are at 3.13%. Shoreline Credit Union's savings rates are at 1.32%. Shoreline Credit Union's money market rates are at 3.99%. Shoreline Credit Union's Fixed-Rate Mortgage - 10 Year Fixed rates are at 5.74%, Fixed-Rate Mortgage - 15 Year Fixed rates are at 6.67%, Fixed-Rate Mortgage - 20 Year Fixed rates are at 7.12%, Fixed-Rate Mortgage - 30 Year Fixed rates are at 7.38%. Shoreline Credit Union's Personal Loan Rates are as low as 9.99%. Shoreline Credit Union's Credit Card Rates are at 15.99%. Shoreline Credit Union's CD rates are 19% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Shoreline Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.64%. Rates last updated and verified on 10/29/2026. Shoreline 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 Shoreline Credit Union? Share your experience about Shoreline Credit Union by leaving a review below, or read customer reviews before you decide to use Shoreline Credit Union. Shoreline Credit Union
Manitowoc Branch 4400 Calumet Ave
https://www.shorelinecu.org Manitowoc, WI 54220  Customer Reviews
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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. Shoreline Credit Union CD Rates
Shoreline Credit Union Savings Rates
Shoreline Credit Union Business Savings Rates
Shoreline Credit Union Money Market Rates
Shoreline Credit Union Business Money Market Rates
Shoreline Credit Union Checking Rates
Shoreline Credit Union Business Checking Rates
Shoreline Credit Union Mortgage Rates
Shoreline Credit Union Home Equity & HELOC
Shoreline Credit Union Auto Loan Rates
Shoreline Credit Union Credit Card Rates
Shoreline Credit Union Personal Loan Rates
Shoreline Credit Union Other Rates
Financial Health HistoryShoreline Credit Union’s Texas Ratio stayed near 2.51% in Q3 2023 to 2.64% 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; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Shoreline 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 Shoreline 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 Shoreline Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Shoreline Credit Union
Website
https://www.shorelinecu.org
Address
4400 Calumet Ave,
Manitowoc, WI 54220
Phone
920-482-3700
Fax
920-482-3701
President
Gretchen Bauknecht-Pech
CEO
Nathan Grossenbach
Full-Time Employees
35
Part-Time Employees
2
Branch Locations
4
ATM Locations
3
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.64%
Return on Assets (ROA)
0.2745%
Return on Equity (ROE)
2.7120%
Non-Performing Loans Ratio (NPL)
0.38%
Total Assets
160,036,835
Total Amount of Shares and Deposits
129,723,540
Total Shares and Deposits < 1 Year
117,761,483
Total Shares and Deposits 1 3 Years
10,515,894
Total Shares and Deposits > 3 Years
1,446,163
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
10,088,761
Total Uninsured Shares and Deposits > $250K (F+J)
10,088,761
Total Insured Shares and Deposits > $250K (item 17 less item K)
119,634,779
Total Interest Expense (Sum of items 6 8)
766,344
Share Certificates
744
Number of Accounts for Share Drafts
5,962
IRA KEOGH Accounts
269
Number of Accounts for Regular Shares
11,244
All other shares
239
Non Member Deposits
4
Money Market Shares
226
Net Income (unless the amount is already included in Undivided Earnings)
429,432
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)
13,922,060
Total Liabilities
144,053,375
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Shoreline Credit UnionDoes Shoreline Credit Union offer CDs?Yes. Shoreline Credit Union current CD rates include its CD - 24 Month at 4.01% APY, its CD - 60 Month at 3.85% APY and its CD - 36 Month at 3.80% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from Shoreline Credit Union NCUA insured?Yes. Shoreline 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 Shoreline Credit Union?The highest Shoreline Credit Union CD rate is its CD - 24 Month at 4.01% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Shoreline Credit Union offer?Shoreline Credit Union CD rates are 3.13% APY for a 12 month CD, 4.01% APY for a 2 year CD, 3.80% APY for a 3 year CD, 3.65% APY for a 4 year CD and 3.85% 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 Shoreline Credit Union for its full lineup. What is the highest savings rate at Shoreline Credit Union?The highest Shoreline Credit Union savings rate is its High Yield Savings at 1.32% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest money market rate at Shoreline Credit Union?The highest Shoreline Credit Union money market rate is its Elite Money Market at 3.99% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest 30 year fixed mortgage rate at Shoreline Credit Union?The lowest Shoreline Credit Union 30 year fixed mortgage rate is its Fixed-Rate Mortgage - 30 Year Fixed at 7.375%, verified by MonitorBankRates as of October 29, 2026. Shoreline Credit Union mortgage rates are 7.375% for a 30 year mortgage, 7.125% for a 20 year mortgage, 6.675% for a 15 year mortgage and 5.74% for a 10 year mortgage. What is the lowest auto loan rate at Shoreline Credit Union?The lowest Shoreline Credit Union auto loan rate is its Vehicle Loan - 24 mo. at 4.49% APR, verified by MonitorBankRates as of October 29, 2026. Shoreline Credit Union auto loan rates are 4.49% APR for a 24 month auto loan, 4.49% APR for a 36 month auto loan, 4.49% APR for a 48 month auto loan, 4.49% APR for a 60 month auto loan, 4.74% APR for a 72 month auto loan, 5.74% APR for an 84 month auto loan, 5.74% APR for a 120 month auto loan and 6.74% APR for a 180 month auto loan. What is the lowest personal loan rate at Shoreline Credit Union?The lowest Shoreline Credit Union personal loan rate is its Personal Loans at 9.99% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest credit card APR at Shoreline Credit Union?The lowest Shoreline Credit Union credit card APR is its Hometown Values Credit Card at 15.99% APR, verified by MonitorBankRates as of October 29, 2026. How many branches does Shoreline Credit Union operate?Shoreline 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 Shoreline Credit Union?Yes, to access services at Shoreline 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, Shoreline 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, Shoreline Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Shoreline Credit Union offer online and mobile banking?Most modern institutions like Shoreline 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.shorelinecu.org. 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 Shoreline Credit Union rates compare?Shoreline Credit Union's CD rates are 19% higher than the MonitorBankRates national average, and it has an A+ health rating. Shoreline Credit Union's top rates are its CD - 24 Month at 4.01% APY, its High Yield Savings at 1.32% APY, its Elite Money Market at 3.99% APY, its Fixed-Rate Mortgage - 10 Year Fixed at 5.74%, its Personal Loans at 9.99% APR and its Hometown Values Credit Card at 15.99% APR, verified by MonitorBankRates on October 29, 2026. Current Shoreline Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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