Current Rates
Last updated 3/24/2025
Loan Rates
New or Used Vehicles and Motorcycles (2021 & Newer)
| Term | Monthly Payment** | APR* As Low As |
|---|---|---|
| 36 Months | $ | |
| 48 Months | $ | |
| 60 Months | $ | |
| 72 Months | $ | |
| 84 Months^ | $ |
^84 month term if loan amount over $35,000 and 2021 or newer model
Used Vehicles and Motorcycles (2019 - 2020)
| Term | Monthly Payment** | APR* As Low As |
|---|---|---|
| 36 Months | $ | |
| 48 Months | $ | |
| 60 Months | $ | |
| 72 Months | $ |
Used Vehicles and Motorcycles (2017 - 2018)
| Term | Monthly Payment** | APR* As Low As |
|---|---|---|
| 24 Months | $ | |
| 36 Months | $ | |
| 48 Months | $ | |
| 60 Months | $ |
Used Vehicles and Motorcycles (2014 - 2016)
| Term | Monthly Payment** | APR* As Low As |
|---|---|---|
| 24 Months | $ | |
| 36 Months | $ | |
| 48 Months | $ |
Used Vehicles and Motorcycles (2004 - 2013)
| Term | Monthly Payment** | APR* As Low As |
|---|---|---|
| 24 Months | $ | |
| 36 Months | $ |
*APR is Annual Percentage Rate.
**Monthly payments are based on payment per $1,000 for the terms noted and the lowest rate available.
Purchasing your new or used RV, camper, boat, ATV, snowmobile, or UTV? SACU can pre-approve your loan before you shop!
Looking to refinance your current loan for a lower rate? Apply today and see how much you could save!
Contact us at (920) 459-5154 to discuss loan options.
New or Used Recreational Vehicles - Motorhomes, Boats, Campers, Snowmobiles, ATVs (2019 and Newer)
| Term | Monthly Payment** | APR* As Low As |
|---|---|---|
| 24 Months | $ | |
| 36 Months | $ | |
| 48 Months | $ | |
| 60 Months | $ | |
| 72 Months | $ | |
| 60 Months Balloon*** up to 15 yr amortization |
$ |
Used Recreational Vehicles - Motorhomes, Boats, Campers, Snowmobiles, ATVs (2018 and Older)
| Term | Monthly Payment** | APR* As Low As |
|---|---|---|
| 24 Months | $ | |
| 36 Months | $ | |
| 48 Months | $ | |
| 60 Months | $ | |
| 36 Months Balloon*** up to 15 yr amortization |
$ |
*APR is Annual Percentage Rate.
**Monthly payments are based on payment per $1,000 for the terms noted and the lowest rate available.
*** Balloon terms available for loan amounts $25,000 or greater.
Rates posted based on excellent credit and having three qualifying services. Rates as of 3/24/2025 and are subject to change without notice. Your actual loan amount, rate, and term is based on your credit history and credit score, and age of collateral.
Mortgage Rates
Fixed Rate Mortgage programs available. Please call the Sheboygan Area Credit Union loan department at (920) 459-5154 for more information.
First Mortgage (In House)
Fixed and Adjustable Rate Mortgages
| Description | Monthly Payment* | Interest Rate | APR** As Low As |
|---|---|---|---|
| 5/5 ARM up to 30 Years^ | $ | ||
| 7/1 ARM up to 30 Years^^ | $ | ||
| Fixed Rate - 7 Years | $ | ||
| Fixed Rate - 10 Years | $ | ||
| Fixed Rate - 15 Years (Max 70% LTV) | $ | ||
| Fixed Rate - 15 Years | $ | ||
| Fixed Rate - 20 Years | $ | ||
| Fixed Rate - 30 Years | $ | ||
| 5/5 ARM Non-Owner Occupied up to 25 Years^ | $ |
APR=Annual Percentage Rate. **APR listed is based on a credit score of 720 or greater, 80% loan to value unless otherwise noted, and includes a $325 processing fee. *Monthly payment is based on payment per $1,000 for term and rate shown above. APR example is based on $100,000 loan amount. Payments do not include taxes or insurance, the actual payment obligation will be greater. ^The APR is variable and subject to change after 61 months and may cause the monthly payment to increase. ^^The APR is variable and subject to change after 84 months and may cause the monthly payment to increase.
Home Equity Loans
Fixed rates fully amortized
80% and lower Loan To Value (LTV)
| Term | Monthly Payment* | Interest Rate | APR* As Low As |
|---|---|---|---|
| 36 Months | $ | ||
| 60 Months | $ | ||
| 84 Months | $ | ||
| 120 Months | $ |
**APR=Annual Percentage Rate. APR listed is based on a credit score of 720 or greater. ^ Monthly payment is based on payment per $1,000 for term and rate shown above. APR example is based on $50,000 loan amount. Payments do not include taxes or insurance, the actual payment obligation will be greater.
Home Equity Loans
Fixed rates fully amortized
Over 80% Loan To Value (LTV)
| Term | Monthly Payment* | Interest Rate | APR* As Low As |
|---|---|---|---|
| 36 Months | $ | ||
| 60 Months | $ | ||
| 84 Months | $ | ||
| 120 Months | $ |
**APR=Annual Percentage Rate. APR listed is based on a credit score of 720 or Greater.
^ Monthly payment is based on payment per $1,000 for term and rate shown above. APR example is based on $50,000 loan amount. Payments do not include taxes or insurance; the actual payment obligation will be greater.
HELOC (Home Equity Line Of Credit)
Over 80% LTV requires a real estate appraisal/valuation of property
| Term | Monthly Payment* | APR** As Low As |
|---|---|---|
| Up to 80% LTV | of Balance Min. | (Prime minus .50%) |
| 80.01% to 90% LTV | of Balance Min. | (Prime + 1.00%) |
| 90.01% to 100% LTV | of Balance Min. | (Prime + 2.00%) 9.50% |
* Greater of $150.00 or $1.50 for each $100 of outstanding balance as of the date of last advance. **Variable Annual Percentage Rate may increase after consummation. Variable rate tied to Wall Street Prime Rate. Maximum APR is 17.50%. 10 year draw period, then the line of credit will have a repayment period.
Home Improvement Unsecured Loan (Personal Loan)*
| Term | Monthly Payment* | APR* As Low As |
|---|---|---|
| Up to 10 Years and $10,000 | $ | |
| Up to 15 years and $10,000.01-$25,000 | $ |
*Home Improvement Underwriting Guidelines are established by third party program. Based on credit worthiness and income. Tax bill required to verify property ownership. Check must be made to contractor or supplier. **APR = Annual Percentage Rate. ^Monthly payment is based on payment per $1,000 loan amount for term and APR listed.