Sheboygan Area Credit Union



Current Rates

 

Loan Rates

New Vehicles and Motorcycles(2017 to 2018)
APPLY
Term
Monthly Payment**
APR* As Low As
24 Months
$42.98
2.99%
36 Months
$29.08
2.99%
48 Months
$22.13
2.99%
60 Months
$17.96
2.99%
72 Months
$15.64
3.99%
84 Months
$14.13
4.99%

 

Used Vehicles and Motorcycles (2015 or 2016)
APPLY
Term
Monthly Payment **
APR* As Low As
24 Months
$42.98
2.99%
36 Months
$29.08
2.99%
48 Months
$22.13
2.99%
60 Months
$17.96
2.99%
72 Months
$15.64
3.99%

 

Used Vehicle and Motorcycles (2012 to 2014)
APPLY
Term
Monthly Payment **
APR* As Low As
24 Months
$42.98
2.99%
36 Months
$29.08
2.99%
48 Months
$22.13
2.99%
60 Months
$17.96
2.99%
72 Months
$15.64
4.49%

 

Used Vehicles, Motorcycles and Collector Cars (2011-Older)
APPLY
Term
Monthly Payment **
APR* As Low As
24 Months
$44.32
5.99%
36 Months
$30.53
6.24%
48 Months
$23.71
6.49%

 

New Recreational Vehicles - Motorhomes, Boats, Campers, Snowmobiles, ATVs- 2015 or newer
APPLY
Term
Monthly Payment**
APR* As Low As
Up to 48 Months
$22.69
4.25%
72 Months
$15.76
4.25%
96 Months
$12.31
4.25%
Used Recreational Vehicles - Motorhomes, Boats, Campers, Snowmobiles, ATVs
APPLY
Term
Monthly Payment **
APR* As Low As
Up to 48 Months
$23.60
6.25%
72 Months
$16.69
6.25%
96 Months
$13.26
6.25%

 * APR is Annual Percentage Rate.

**Monthly payments are based on payment per $1000 for the terms noted and the lowest rate.

Rates are subject to change. Your actual loan amount, rate and term is based on your credit history and credit score.

DISCLOSURES FEE SCHEDULE

Savings Rates

Effective: January 10th, 2018
Subject to change at any time without notice

Deposit Type Minimum Balance Rate APY* Dividend Period
Savings $100.00 0.05% 0.05% Quarterly
Interest share draft $2,500.00 0.05% 0.05% Quarterly
Christmas Club** $ - 0.05% 0.05% Annually
Vacation Club** $ - 0.05% 0.05% Annually
Money Market $100.01 0.05% 0.05% Monthly
  $5,000.01 0.05% 0.05% Monthly
  $10,000.01 0.05% 0.05 % Monthly
  $25,000.01 0.06% 0.06% Monthly
IRA***   0.05% 0.05% Quarterly
Premium Money Market $10,000 0.06% 0.06% Monthly
  $25,000 0.10% 0.10% Monthly
  $50,000 0.15% 0.15% Monthly
  $100,000 0.20% 0.20% Monthly
  $150,000 0.25% 0.25% Monthly

Term Share Certificate Rates including IRA Share Certificates***

3 month *Tier 1
$1000-$9,999.99
0.06% 0.06% Maturity
  *Tier 2
$10,000-$24,999.99
0.06% 0.06% Maturity
  *Tier 3
$25,000 & Over
0.11% 0.11% Maturity
6 month *Tier 1 0.06% 0.06% Maturity
  *Tier 2 0.07% 0.07% Maturity
  *Tier 3 0.12% 0.12% Maturity
1 Year *Tier 1 0.06% 0.06% Annually
  *Tier 2 0.10% 0.10% Annually
  *Tier 3 0.15% 0.15% Annually
2 Year *Tier 1 0.07% 0.07% Annually
  *Tier 2 0.20% 0.20% Annually
  *Tier 3 0.30% 0.30% Annually
3 Year *Tier 1 0.25% 0.25% Annually
  *Tier 2 0.40% 0.40% Annually
  *Tier 3 0.50% 0.50% Annually
4 Year *Tier 1 0.35% 0.35% Annually
  *Tier 2 0.50% 0.50% Annually
  *Tier 3 0.60% 0.60% Annually
5 Year *Tier 1 0.60% 0.60% Annually
  *Tier 2 0.75% 0.75% Annually
  *Tier 3 0.85% 0.85% Annually

Specials

*Add .10% APY for $10,000 new money *Add .10% APY for active checking (10 or more transactions per month) with payroll direct deposit    
9 month $5,000 0.07% 0.07% Maturity
  $10,000 0.16% 0.16% Maturity
  $25,000 0.21% 0.21% Maturity
13 month $5,000 0.08% 0.08% Annually
  $10,000 0.30% 0.31% Annually
  $25,000 0.35% 036% Annually
25 month $5,000 0.25% 0.21% Annually
  $10,000 0.55% 0.45% Annually
  $25,000 0.61% 0.56% Annually
38 month $5,000 0.71% 0.56% Annually
  $10,000 1.01% 0.86% Annually
  $25,000 1.06% 0.91% Annually
59 month $5,000 1.31% 1.31% Annually
  $10,000 1.61% 1.61% Annually
  $25,000 1.66% 1.66% Annually

*APY denotes annual percentage yield.
**Christmas Club funds disbursed October 1st. Vacation Club disbursed May 1st.
***Member responsible for determining maximum contribution limits on IRAs.
For accounts other than certificates, rates may change after account is opened.
For certificates, a penalty may be imposed for early withdrawal. For all other accounts, fees may reduce earnings.
Please refer to the Truth in Savings disclosure for additional terms and conditions.

 

DISCLOSURES FEE SCHEDULE

Mortgage Rates

Fixed Rate Mortgages 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
APR* As Low As
5/5 ARM up to 30 Years
4.000%
Fixed Mortgage up to 10 years
3.750%
5/5 ARM Non-Owner Occupied up to 25 years
6.000%

Second Mortgage (In House)

Fixed rates fully amortized
Under 80% Loan To Value

Term

APR** As Low As

36 Months
3.500%
60 Months
3.750%
84 Months
4.000%
120 Months 4.250%

Second Mortgage (In House)

Fixed rates fully amortized
Over 80% Loan To Value

Term
APR* As Low As
36 Months
5.500%
60 Months
5.750%
84 Months
6.000%
120 Months
6.250%

HELOC  (Home Equity Line Of Credit)

100% With appraisal / 80% with fair market value (use Tax Bill)

Term
APR* As Low As
Up to 80% Loan To Value
Prime Rate
Over 80% Loan To Value
Prime Rate + 2%

Property Improvement Loans

Up To $10,000

Term
APR* As Low As
Up to 10 Years
8.95%

APR is Annual Percentage Rate. Rates are subject to change.
Your actual loan amount, rate and term is based on your credit history.

 

DISCLOSURES FEE SCHEDULE

Credit Card Rates

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