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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.
 Southern Lakes 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.
Read Full Bio →
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 8, 2026
Southern Lakes Credit Union's 60 month Term CDs rates are at 3.75%, Traditional IRA/Roth IRA Term CDs 60 month rates are at 3.75%, 18 month Term CDs rates are at 3.50%, 24 month Term CDs rates are at 3.50%, 36 month Term CDs rates are at 3.50%. Southern Lakes Credit Union's savings rates are at 0.10%. MonitorBankRates evaluates the financial stability of Southern Lakes Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.53%. Rates were last updated on 04/08/2026. Southern Lakes 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 Southern Lakes Credit Union? Share your experience about Southern Lakes Credit Union by leaving a review below, or read customer reviews before you decide to use Southern Lakes Credit Union. 
Southern Lakes Credit Union CD Rates
Southern Lakes Credit Union Savings Rates
Southern Lakes Credit Union Money Market Rates
Southern Lakes Credit Union Home Equity & HELOC
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Southern Lakes 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 Southern Lakes 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 Southern Lakes Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Southern Lakes Credit Union
Website
https://southernlakescu.org
Address
3000 80th St,
Kenosha, WI 53142
Phone
262-694-1600
Fax
262-694-5546
President
John Morrissey
CEO
John Lyon
Full-Time Employees
26
Part-Time Employees
9
Branch Locations
3
ATM Locations
3
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
5.53%
Return on Assets (ROA)
0.3975%
Return on Equity (ROE)
4.0428%
Non-Performing Loans Ratio (NPL)
0.82%
Total Assets
107,507,362
Total Amount of Shares and Deposits
96,144,799
Total Shares and Deposits < 1 Year
93,254,366
Total Shares and Deposits 1 3 Years
2,135,546
Total Shares and Deposits > 3 Years
754,886
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,673,888
Total Uninsured Shares and Deposits > $250K (F+J)
3,673,888
Total Insured Shares and Deposits > $250K (item 17 less item K)
92,470,911
Total Interest Expense (Sum of items 6 8)
276,977
Share Certificates
345
Number of Accounts for Share Drafts
4,546
IRA KEOGH Accounts
110
Number of Accounts for Regular Shares
11,062
All other shares
218
Money Market Shares
407
Net Income (unless the amount is already included in Undivided Earnings)
427,367
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
21,558,163
Total Liabilities
96,962,297
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Southern Lakes Credit UnionIs Southern Lakes Credit Union a safe place to deposit money?Yes, Southern Lakes Credit Union is considered a safe financial institution. With a Texas Ratio of 5.5292637921552%, 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 Southern Lakes Credit Union operate?Southern Lakes 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 Southern Lakes Credit Union?Yes, to access services at Southern Lakes 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, Southern Lakes 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, Southern Lakes Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Southern Lakes Credit Union offer online and mobile banking?Most modern institutions like Southern Lakes 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://southernlakescu.org. Current Southern Lakes Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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