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Advertiser Disclosure
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 Southern Lakes Credit Union Rates & Review October 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 9, 2026
Southern Lakes Credit Union's top rates as of October 9, 2026 are 3.75% APY on its 60 Month Term CD, 0.25% APY on savings, and personal loans from 9.99% APR, according to rates verified by MonitorBankRates. Other Southern Lakes Credit Union CD rates include Traditional IRA/Roth IRA Term CD - 60 month at 3.75%, 18 Month Term CD at 3.50%, and 24 Month Term CD at 3.50%. 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 4.18%. Rates last updated and verified on 10/09/2026. 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. 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. Southern Lakes Credit Union CD Rates
Southern Lakes Credit Union Savings Rates
Southern Lakes Credit Union Auto Loan Rates
Southern Lakes Credit Union RV, Boat and Powersport Loan Rates
Southern Lakes Credit Union Personal Loan Rates
Southern Lakes Credit Union Other Rates
Financial Health HistorySouthern Lakes Credit Union’s Texas Ratio fell from 7.61% in Q3 2023 to 4.18% 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 and its Health Grade from A to A+. 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 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
25
Part-Time Employees
12
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+ (98/100)
Texas Ratio
4.18%
Return on Assets (ROA)
0.2942%
Return on Equity (ROE)
3.0240%
Non-Performing Loans Ratio (NPL)
0.73%
Total Assets
112,601,506
Total Amount of Shares and Deposits
101,046,959
Total Shares and Deposits < 1 Year
98,385,263
Total Shares and Deposits 1 3 Years
1,996,303
Total Shares and Deposits > 3 Years
665,392
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
4,714,847
Total Uninsured Shares and Deposits > $250K (F+J)
4,714,847
Total Insured Shares and Deposits > $250K (item 17 less item K)
96,332,112
Total Interest Expense (Sum of items 6 8)
172,566
Share Certificates
352
Number of Accounts for Share Drafts
4,407
IRA KEOGH Accounts
114
Number of Accounts for Regular Shares
10,835
All other shares
185
Money Market Shares
414
Net Income (unless the amount is already included in Undivided Earnings)
331,227
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)
21,529,003
Total Liabilities
101,659,375
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Southern Lakes Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Southern Lakes Credit Union
Frequently Asked Questions About Southern Lakes Credit UnionHow 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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