Current Rates
Loan Rates
New Vehicles and Motorcycles(2020 to 2018) |
APPLY |
|
Term
|
Monthly Payment**
|
APR* As Low As
|
|
24 Months
|
$42.54
|
1.99%
|
|
36 Months
|
$28.64
|
1.99%
|
|
48 Months
|
$21.69
|
1.99%
|
|
60 Months
|
$17.52
|
1.99%
|
|
72 Months
|
$15.08
|
2.74%
|
|
84 Months
|
$13.32
|
3.24%
|
Used Vehicles and Motorcycles (2017 to 2016) |
APPLY |
|
Term
|
Monthly Payment **
|
APR* As Low As
|
|
24 Months
|
$42.54
|
1.99%
|
|
36 Months
|
$28.75
|
2.24%
|
|
48 Months
|
$21.91
|
2.49%
|
|
60 Months
|
$17.74
|
2.49%
|
|
72 Months
|
$15.53
|
3.74%
|
Used Vehicle and Motorcycles (2015 to 2014) |
APPLY |
|
Term
|
Monthly Payment **
|
APR* As Low As
|
|
24 Months
|
$42.87
|
2.74%
|
|
36 Months
|
$29.08
|
2.99%
|
|
48 Months
|
$22.24
|
3.24%
|
|
60 Months
|
$18.19
|
3.49%
|
Used Vehicles and Motorcycles (2013-2009) |
APPLY |
|
Term
|
Monthly Payment **
|
APR* As Low As
|
|
24 Months
|
$43.53
|
4.24%
|
|
36 Months
|
$29.74
|
4.49%
|
|
48 Months
|
$22.91
|
4.74%
|
Used Vehicles and Motorcyles (2008-Older)
|
Term
|
Monthly Payment **
|
APR* As Low As
|
|
36 Months
|
$30.99
|
7.25%
|
New Recreational Vehicles - Motorhomes, Boats, Campers, Snowmobiles, ATVs |
|
|
Term
|
Monthly Payment**
|
APR* As Low As
|
|
24 Months
|
$42.65
|
2.24%
|
|
36 Months
|
$28.86
|
2.49%
|
|
48 Months
|
$21.91
|
2.49%
|
|
60 Months
|
$17.85
|
2.74%
|
|
72 Months
|
$15.08
|
2.74%
|
|
Balloon with 15 yr amortization
36 Months
|
$6.55
|
2.24%
|
Used Recreational Vehicles - Motorhomes, Boats, Campers, Snowmobiles, ATVs |
APPLY |
|
Term
|
Monthly Payment **
|
APR* As Low As
|
|
24 Months
|
$43.09
|
3.24%
|
|
36 Months
|
$29.30
|
3.49%
|
|
48 Months
|
$22.46
|
3.74%
|
|
60 Months
|
$18.41
|
3.99%
|
|
Balloon with 15 yr amortization
36 Months
|
$7.14
|
3.49%
|
* 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.
Savings Rates
Effective: July 2, 2020
Subject to change at any time without notice
| Deposit Type | Minimum Balance to earn Dividends | Rate | APY* | Dividend Period |
| Savings(Share)** | $100.00 | 0.03% | 0.03% | Quarterly |
|---|---|---|---|---|
| Interest share draft | $2,500.00 | 0.03% | 0.03% | Quarterly |
| Christmas Club*** | $25.00 | 0.03% | 0.03% | Annually |
| Vacation Club*** | $25.00 | 0.03% | 0.03% | Annually |
| Money Market | $100.01 | 0.03% | 0.03% | Monthly |
| $5,000.01 | 0.03% | 0.03% | Monthly | |
| $10,000.01 | 0.03% | 0.03% | Monthly | |
| $25,000.01 | 0.05% | 0.05% | Monthly | |
| IRA**** | 0.03% | 0.03% | Quarterly | |
| Premium Money Market | $10,000 | 0.05% | 0.05% | Monthly |
| $25,000 | 0.06% | 0.06% | Monthly | |
| $50,000 | 0.10% | 0.10% | Monthly | |
| $100,000 | 0.15% | 0.15% | Monthly | |
| $150,000 | 0.20% | 0.20% | 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 |
0.06% | 0.06% | Maturity | |
| 6 month | *Tier 1 | 0.06% | 0.06% | Maturity |
| *Tier 2 | 0.06% | 0.06% | Maturity | |
| *Tier 3 | 0.06% | 0.06% | Maturity | |
| 1 Year | *Tier 1 | 0.06% | 0.06% | Annually |
| *Tier 2 | 0.10% | 0.10% | Annually | |
| *Tier 3 | 0.10% | 0.10% | Annually | |
| 2 Year | *Tier 1 | 0.07% | 0.07% | Annually |
| *Tier 2 | 0.15% | 0.15% | Annually | |
| *Tier 3 | 0.15% | 0.15% | Annually | |
| 3 Year | *Tier 1 | 0.25% | 0.25% | Annually |
| *Tier 2 | 0.25% | 0.25% | Annually | |
| *Tier 3 | 0.25% | 0.25% | Annually | |
| 4 Year | *Tier 1 | 0.35% | 0.35% | Annually |
| *Tier 2 | 0.35% | 0.35% | Annually | |
| *Tier 3 | 0.35% | 0.35% | Annually | |
| 5 Year | *Tier 1 | 0.40% | 0.40% | Annually |
| *Tier 2 | 0.40% | 0.40% | Annually | |
| *Tier 3 | 0.40% | 0.40% | Annually | |
Specials |
*Add .10% APY for active checking (10 or more transactions per month) with direct deposit of payroll or other income | |||
| 9 month | $5,000 | 0.07% | 0.07% | Maturity |
| $10,000 | 0.07% | 0.07% | Maturity | |
| $25,000 | 0.07% | 0.07% | Maturity | |
| 13 month | $5,000 | 0.08% | 0.08% | Annually |
| $10,000 | 0.08% | 0.08% | Annually | |
| $25,000 | 0.08% | 0.08% | Annually | |
| 25 month | $5,000 | 0.10% | 0.10% | Annually |
| $10,000 | 0.15% | 0.15% | Annually | |
| $25,000 | 0.15% | 0.15% | Annually | |
| 37 month | $5,000 | 0.25% | 0.25% | Annually |
| $10,000 | 0.25% | 0.25% | Annually | |
| $25,000 | 0.25% | 0.25% | Annually | |
| 59 month | $5,000 | 0.40% | 0.40% | Annually |
| $10,000 | 0.40% | 0.40% | Annually | |
| $25,000 | 0.40% | 0.40% | Annually | |
*APY denotes annual percentage yield.
** $5.00 par requirement.
***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, APY may change after account opening.
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.
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
|
2.250%
|
|
Fixed Mortgage up to 10 years
|
2.500%
|
|
5/5 ARM Non-Owner Occupied up to 25 years
|
4.250%
|
Second Mortgage (In House)Fixed rates fully amortized |
|
Term
|
APR** As Low As |
|
36 Months
|
2.625%
|
|
60 Months
|
2.875%
|
|
84 Months
|
3.125%
|
| 120 Months | 3.375% |
Second Mortgage (In House)Fixed rates fully amortized |
|
Term
|
APR* As Low As
|
|
36 Months
|
4.625%
|
|
60 Months
|
4.875%
|
|
84 Months
|
5.125%
|
|
120 Months
|
5.375%
|
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) 3.25%
|
|
Over 80% Loan To Value
|
(Prime + 2) 5.25%
|
|
*Variable Annual Percentage Rate may increase after consummation. Property Improvement Loans |
|
Term
|
APR* As Low As
|
|
Up to 10 Years and $10,000
|
7.45%
|
|
Up to 15 years and $10,00.01-$25,000
|
7.95%
|
APR is Annual Percentage Rate. Rates are subject to change.
Your actual loan amount, rate and term is based on your credit history.