Sheboygan Area Credit Union


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Applying for a loan online is secure, fast and easy.

Sheboygan Area Credit Union offers some of the lowest rates on loans you'll find anywhere. Because we're member-owned, we work to keep our rates low and our terms simple and easy to understand—with no unexpected surprises.  Optional payment protection if you become sick or injured. Check out our mechanical repair coverage available for your car or truck! From Home Equity Lines of Credit to Mortgages, from loans for your next vehicle, to loans for snowmobiles, we have everything you need!


  • Cross everything off your shopping list with a low interest rate personal loan from SACU!
  • Minimum Loan Amount = $500, Max Loan Amount = $2,500*
  • Apply online, get approved, and sign loan documents electronically. Quick turnaround with funds being deposited directly to your checking account!
  • Active checking account with direct deposit or automatic loan payment required to receive this promo APR. Other Personal Loan interest rates and terms available.
  • Questions - Contact our Loan Department at 920.459.5154 or APPLY ONLINE

*Annual Percentage Rate: Sample Personal Loan Payment at 7.25% APR would be a monthly payment of $108.05 based on a 25-month term, $2,500 loan amount, credit score above 640, active SACU checking account with direct deposit or automatic loan payments. Payment example does not include payment debt protection premiums and payment obligation may be higher. Offer cannot be combined with any other offers or discounts and APR applies to personal closed end loans new to SACU. Credit cards, Kwik Cash, and secured loans or lines of credit are not eligible for this promotion. Offer valid through 1/15/2023 and subject to change without notice. Subject to credit approval. Other restrictions may apply. Other personal loan rates and terms available, please contact us at 920-459-5154 or apply online. Membership Eligibility required. Equal Credit Opportunity. 



Use your home's equity to consolidate high interest credit cards and other debt, complete that kitchen or bathroom remodel you have dreamed of, or help with wedding expenses just to name a few reasons to tap into that equity. A home equity loan or line of credit can make your dreams come true! See our home equity rates on mortgages rate page!

*APR = Annual Percentage Rate. Sample Home Equity Loan Payment: Interest rate 5.375% with 5.425% APR for 60 months would be a monthly payment of $190.40 per $10,000 borrowed, with a credit score above 719 and loan to value of 80% or less. Payment example does not include any homeowner's insurance or payment protection premiums and payment obligation may be higher. The actual APR will depend on credit history and loan terms. Other rates and terms available. 

Sample Home Equity Line of Credit Payment: Credit balance of $10,000 and 6.25% APR would be a monthly payment of $150.00. Variable APR may increase after consummation and is tied to Wall Street Journal Prime Rate. Terms are based on a credit score above 719 and loan to value of 80% or less. Payment example does not include any homeowner's insurance and payment obligation may be higher. 

Contact our Loan Department at 920-459-5154 with any questions and see which product is right for you. Subject to credit approval, membership required. Rates effective October 3, 2022 and may change without notice. Some restrictions apply. equal credit opportunity. 


Auto & Recreation Vehicles

Whatever car you're dreaming of, we'll help put it in your driveway.

Whether it's that bright red sports car or a crossover for family adventures—or even your very first car ever—SACU can help get you behind the wheel. We've got great rates for new or used vehicle loans, and we can lend up to 115% of the retail value of your vehicle.

  • New and Used Vehicles
  • Recreational Vehicles
  • ATVs or UTVs
  • Boats and Boat Trailers
  • Motorcycles
  • Snowmobiles
  • Travel Trailers / Campers
  • Optional payment protection if you become sick or injured
  • Optional GAP protection - if your vehicle is in an accident and you owe more than the value, the difference is covered by GAP



Apply online and get pre-approved financing before you visit the dealership. Avoid the hassle of negotiating over financing so you can concentrate on finding the vehicle you want!


Mortgage Loans


Whether buying your first home or refinancing your current one, Sheboygan Area Credit Union is here to help you choose the right mortgage product to meet your needs! 

  • Adjustable Rate Mortgages (ARMs)
  • First Mortgages (10 to 30 year Fixed Rate)
  • Second Mortgages 
  • Home Equity Loans / Home Equity Lines of Credit

 A list of items you'll need while going through the Mortgage loan process:

  • Two most recent pay stubs for each applicant, unless paid weekly then you will need 4 paystubs.
  • Last two years W2s or 1099s for each applicant.
  • Last two months checking and savings account statements from all accounts.
  • Current awards letter from the provider of such income as disability, social security, child support, alimony, pension, annuity, or any other type of alternate income (if applicable).
  • Court order for child support or alimony paid or received (if applicable).
  • Most recent statement for any other assets (401k, IRA, pension, stocks, bonds, mutual funds, etc.).
  • Insurance agent contact information if known.

Follow the links below for information on some of our great Mortgage options:

  • ARM Loan - With an ARM your interest rate is a variable rate and may change over the life of the loan. Rate changes are based on 5-year Treasury Bill Index.
  • Conventional Loan - A popular mortgage option for borrowers looking to purchase or refinance a home.
  • FHA Loan - Designed for low-to-moderate income borrowers who are unable to make a large down payment. They are typically more flexible in credit and income requirements.
  • 203(k) Loan - An FHA loan that provides borrows with the opportunity to combine renovation costs with their mortgage financing.
  • USDA Loan - USDA loans have income limitations and are geared towards low-to-moderate income borrowers. they offer lower interest rates and no down payment is required.
  • VA Loan - A mortgage that is backed by the Department of Veterans Affairs for veterans. With no down payment requirement and competitive interest rates, its a great choice for eligible applicants. 
  • The FNMA HomeReady Program - Great for low to moderate income borrowers with modest savings, thanks to the low down payment options.


hide thisApply Today! Follow the Contact Us button below and speak with a Loan Officer. Contact SACU by phone for mortgage inquires at (920) 459-5154.

 Mortgage Rate Sheet available HERE!  (Click the "Mortgage Rates" tab on the Rates webpage.)

Contact US

Calculators & Frequently Asked Questions

Check out our helpful calculators to review your financial situation and learn more about home loans using the frequently asked questions.

Personal Loans / Kwik Cash Line of Credit

If you need extra cash—for whatever reason—our Personal Loans can offer funds you need at rates you can afford. Or Kwik Cash Line of Credit to have available when needed.

Personal loans are available for a wide variety of purposes such as vacations, computer equipment, household goods, appliances, taxes, back-to-school needs, etc.

  • Home Improvement Loans
  • Mobile Home Loans
  • Vacation Loans
  • Winter Wonderland Holiday Loans
  • Kwik Cash Consumer Line of Credit
  • Debt Consolidation
  • Many Other Purposes Just Ask!


Credit Cards

SACU offers MasterCard® and VISA® Credit Cards, featuring

  • Competitive, Low Fixed-Rate Interest Rates
  • No Annual Fees
  • No Balance Transfer Fees
  • 10-Day Grace Period
  • Online access to your account at


Account aCCESS   



Credit Card electronic Statements (e-Statements)

Sign up for Credit Card e-Statements:

• Eliminate paper clutter and save paper

• Protect your personal information from theft

• Reduce your risk of mail fraud

• Easy to access and Green!

• Receive your statements quickly and safely!

• An email will be sent each month when your statement is ready to view.

How to enroll:

  1. Single sign-on offered — just log into your SACU Home (online) Banking account. Click "Credit Cards" tab at the top of the page.
  2. You are now transferred to your Credit Card site eZcard. Select Statements > Statement Delivery Options.
  3. Click "Electronic" to change your statement preference. Once you choose this option, please view the agreement that appears.
  4. Click "Verification" button to open the PDF document and find your code. Enter the code in the field provided.
  5. Click Agree and Verify to finish your enrollment for Credit Card e-Statement.
  6. You may also enroll directly at
  7. Contact a SACU representative for help enrolling today! Call SACU at 920.459.5151 or Credit Card Services 866.604.0380

Student Loans                                                             



We work with ISL Education Lending to offer private loans to help you pay for college as well as refinance existing student loans. ISL Education Lending is a nonprofit organization with decades of student loan experience offering lower-priced loans.*

 ISL Education Lending offers:

  • Loans for college students.
  • A loan option for parents and family members who wish to borrow on behalf of a college student.
  • Multiple student loan refinance options.


In addition, they offer multiple scholarship opportunities and free college planning tools to help students and families avoid overborrowing and plan smart for life during and after college.

College costs can make obtaining an education challenging. Get the funds you need to help make higher education happen! 

Before applying for a private loan, we encourage you to first complete the FAFSA, or Free Application for Federal Student Aid. You should also work with your college financial aid office to explore and exhaust all sources of student financial aid before seeking a private student loan. 

Please note all loans offered by ISL Lending are subject to credit approval.

College Financing Options Info Brochure                                   

*Sheboygan Area Credit Union is compensated by ISL Education Lending for the referral of student loan borrowers.