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Sheridan Community Federal Credit Union

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Sheridan Community Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Sheridan Community Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

Sheridan Community Federal Credit Union's 1st Mortgage Loans - 15 Year rates are at 9.75%. Sheridan Community Federal Credit Union's Auto Loan Rates are as low as 4.45%. MonitorBankRates evaluates the financial stability of Sheridan Community Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.49%. Rates last updated and verified on 09/23/2026.

Sheridan 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 Sheridan Community Federal Credit Union? Share your experience about Sheridan Community Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Sheridan Community Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.49%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Sheridan Community Federal Credit Union
Main Building

141 S Gould St
Sheridan, WY 82801

https://www.sheridancreditunion.com

Sheridan Community Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
1st Mortgage Loans - 15 Year	-	-	9.75%	15 Year
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%

Sheridan Community Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Car Loans	-	-	4.45%
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Used Car Loan	-	-	4.85%	Up to 66 months
Details Model Year: 2016-2020 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Used Car Loan	-	-	4.95%	Up to 66 months
Details Model Year: 2010-2015 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Used Car Loan	-	-	6.05%	Up to 66 months
Details Model Year: 2009 & older Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%

Sheridan Community Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorhomes & RV's - New RV's Loan	-	7.15%	Up to 120 months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
New RV Loans	-	7.15%
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Motorcycles, 4 Wheelers & Snow Mobiles - New up to 60 months Loan	-	7.25%	up to 60 months
Details New Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Motorhomes & RV's - 1 year old Loan	-	7.25%	Up to 120 months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
New Motorcycle Loans	-	7.25%
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Used Motorcycle Loan	-	7.25%
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Used RV Loans	-	7.25%
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Motorcycles, 4 Wheelers & Snow Mobiles - 1 year old up to 60 months Loan	-	7.35%	up to 60 months
Details 1 year old Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Motorhomes & RV's - 2 years old Loan	-	7.35%	Up to 120 months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Motorhomes & RV's - 3 years old Loan	-	7.35%	Up to 120 months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Motorcycles, 4 Wheelers & Snow Mobiles - 2 years & older up to 60 months Loan	-	7.45%	up to 60 months
Details 2 years & older Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Motorhomes & RV's - 4 years & older Loan	-	7.45%	Up to 120 months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
New Boat Loan	-	8.00%	Up to 84 months
Details New Boat Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Used Boat Loan	-	8.25%	Up to 72 months
Details 1 year old Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Used Boat Loan	-	8.50%	Up to 60 months
Details 2 years & older Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
RV Loan	-	11.90%
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%

Sheridan Community Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
2nd Mortgage Loans	-	-	11.90%	15 Years
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
2nd Mortgage Loans	-	-	11.90%	5 year variable
Details initial rate 9.90% Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Mobile Homes Loan	-	-	11.90%	1
Details Term: 1 to 2 years old up to 10 years Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Mobile Homes Loan	-	-	11.90%	3
Details Term: 3 to 6 years old up to 7 years Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Mobile Homes Loan	-	-	12.90%	7
Details Term: 7 to 10 years old up to 5 years Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
New Mobile Homes Loan	-	-	11.90%	up to 10 years
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
New Trailers Loan	-	-	7.15%	up to 180 months
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Trailers 3 years old Loan	-	-	7.25%	up to 72 months
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Trailers 5 years old Loan	-	-	7.35%	up to 72 months
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Trailers 7 years & older Loan	-	-	7.45%	up to 72 months
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Certificate of Deposit	-	-	3.25%
Details Earn higher interest than a traditional savings account. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Sheridan Community Federal Credit Union’s Texas Ratio rose from 7.29% in Q2 2023 to 10.49% in Q1 2026, so its financial health has weakened 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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$100M	10.49%	5.0	A
December 31, 2025	$96M	8.57%	5.0	A
September 30, 2025	$94M	7.90%	5.0	A
June 30, 2025	$87M	7.18%	5.0	A
March 31, 2025	$88M	9.63%	5.0	A
December 31, 2024	$86M	8.65%	5.0	A
September 30, 2024	$82M	6.01%	5.0	A
June 30, 2024	$81M	6.92%	5.0	A
March 31, 2024	$81M	9.63%	5.0	A
December 31, 2023	$81M	8.86%	5.0	A
September 30, 2023	$82M	8.91%	5.0	A
June 30, 2023	$81M	7.29%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Sheridan 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 Sheridan 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 Sheridan Community Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Sheridan Community Federal Credit Union

Website https://www.sheridancreditunion.com

Address 141 S Gould St, Sheridan, WY 82801

Phone 307-672-3445

Fax 307-672-9459

President Tim Lenz

CEO Todd Hilling

Full-Time Employees 10

Part-Time Employees 1

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

10.49%

Return on Assets (ROA)

0.4092%

Return on Equity (ROE)

3.7607%

Non-Performing Loans Ratio (NPL)

1.66%

Total Assets

100,242,302

Total Amount of Shares and Deposits

89,116,504

Total Shares and Deposits < 1 Year

78,439,769

Total Shares and Deposits 1 3 Years

7,769,604

Total Shares and Deposits > 3 Years

2,907,131

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

6,689,858

Total Uninsured Shares and Deposits > $250K (F+J)

6,689,858

Total Insured Shares and Deposits > $250K (item 17 less item K)

82,426,646

Total Interest Expense (Sum of items 6 8)

510,526

Share Certificates

1,027

Number of Accounts for Share Drafts

2,991

Number of Accounts for Regular Shares

6,654

Non Member Deposits

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)

14,676,025

Total Liabilities

89,335,452

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Sheridan Community Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Sheridan Community Federal Credit Union

How many branches does Sheridan Community Federal Credit Union operate?

Sheridan 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 Sheridan Community Federal Credit Union?

Yes, to access services at Sheridan 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, Sheridan 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, Sheridan Community Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Sheridan Community Federal Credit Union offer online and mobile banking?

Most modern institutions like Sheridan 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.sheridancreditunion.com.