Sheboygan Area Credit Union Rates and Review January 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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Have you opened an account or have any experiences at ? Share your experience about by leaving a review below, or read customer reviews before you decide to use . Sheboygan Area Credit Union Texas RatioSheboygan Area Credit Union's Texas Ratio is at 1.70%, which is considered excellent. The Texas Ratio for Sheboygan Area Credit Union is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
Sheboygan Area Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, Sheboygan Area Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable.
Sheboygan Area Credit Union
Sheboygan Area Credit Union
1707 Indiana Ave
Sheboygan, WI 53081 
Mortgage Rate ComparisonLender
Product
Rate
APR
Points
CD & Savings Rate ComparisonShow More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
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Credit Card Rate ComparisonVisa Shared Secured
7.900%
Visa Platinum Preferred Starter
17.990%
Visa Platinum Preferred Rewards
15.740% - 17.990%
Show More
The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. Personal Loan Rate ComparisonSummer/Holiday Loans
9.500%
$0
Personal Loan
11.240% - 17.950%
$0
25 - 36
Personal Loan Rates
5.740%
$0
1 - 36
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Sheboygan Area 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 Sheboygan Area 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 Sheboygan Area Credit Union's official website for the most current offers and terms.
Credit Union Profile & OverviewCredit Union Name: Sheboygan Area Credit Union
Website: https://www.shebareacu.com
Full Time Employees: 18Part Time Employees: 3 President: Dione Knop CEO: Lois Pluff Branch Locations: 2 ATM Locations: 2 Corporate Office Address:
1707 Indiana Ave
Sheboygan, WI 53081 Phone Number: 920-459-5151 Fax Number: 920-459-5158 FinancialsTotal Assets:
86,790,156
Total Amount of Shares and Deposits:
73,012,401
Total Shares and Deposits < 1 Year:
71,915,573
Total Shares and Deposits 1 3 Years:
768,221
Total Shares and Deposits > 3 Years:
328,605
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
1,198,836
Total Uninsured Shares and Deposits > $250K (F+J):
1,198,836
Total Insured Shares and Deposits > $250K (item 17 less item K):
71,813,565
Total Interest Expense (Sum of items 6 8):
335,732
Share Certificates:
325
Number of Accounts for Share Drafts:
3,813
IRA KEOGH Accounts:
117
Number of Accounts for Regular Shares:
10,189
Money Market Shares:
178
Net Income (unless the amount is already included in Undivided Earnings):
1,432,558
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
7,489,548
Total Liabilities:
73,891,111
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Source: NCUA Last Updated 09/30/2025
Customer ReviewssOTM
December 17, 2025
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Frequently Asked Questions About Sheboygan Area Credit UnionIs a member application needed to join Sheboygan Area Credit Union?Yes, to access services at Sheboygan Area Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Sheboygan Area Credit Union provides a range of mortgage and home equity products. Is Sheboygan Area Credit Union a safe place to deposit money?Yes, Sheboygan Area Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Sheboygan Area Credit Union offer online and mobile banking?Most modern institutions like Sheboygan Area Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
