Sheboygan Area Credit Union


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.  From Home Equity Lines of Credit to Mortgages, from loans for snowmobiles, to loans for Holiday shopping, we have everything you need!

Holiday Loan Sale!

QUICK AND EASY! Need money for the holidays? Let SACU help with great rates for a personal loan.  Apply online or contact our Loan Department at 920-459-5154 with any questions or to begin your loan application. Close your loan electronically or schedule an appointment to close your loan with a loan officer.  Subject to credit approval, membership required. Some restrictions apply. equal credit opportunity. 

*Annual Percentage Rate: Sample Personal Loan Payment at 5.95% APR would be a monthly payment of $44.30 based on a 24-month term, $1,000 loan amount, credit score above 719, loan closed electronically, and e-statements with direct deposit and automatic loan payments. Payment example does not include payment protection premiums and payment obligation may be higher. **Interest will begin to accrue from the date of loan disbursal and during first 90 days while no payments are being made. Monthly payment may be higher over the term of the loan. Only valid with this “Holiday Loan” promotion. Offer cannot be combined with any other offers 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 12/31/2021, rates are subject to change. Subject to credit approval. Other terms, conditions, and restrictions may apply. Membership Eligibility required. Equal Credit Opportunity. Insured by NCUA.

It's time for LOW Fall Fest rates in 2021!

Slide into Fall with great rates on auto loans! If you’re ready to refinance or purchase that new or pre-owned vehicle, today’s the day to make it happen. Rates as low as 1.65% APR*! An easy online application, quick approvals and fast funding from your friendly Neighborhood Credit Union. Apply online at or call 920-459-5154 for details. Sheboygan Area Credit Union has lots of options to help you save money. Subject to credit approval, membership required. Some restrictions apply. equal credit opportunity. 

*Annual Percentage Rate: A sample payment at 1.65% APR would be $21.54 per $1,000 borrowed based on a 48-month term, 2019 age of collateral, with having credit score above 719, active debit card with e-statements, direct deposit and automatic payments. APR, terms and conditions vary based on creditworthiness, vehicle value, member relationship, and qualifications are subject to change. Offer cannot be combined with any other offers and APR applies to consumer loans new to SACU. Credit cards, Kwik Cash, and real-estate secured loans or lines of credit are not eligible for this promotion. This offer applies to all consumer closed end loans. Subject to credit approval. Offer valid 9/1/2021 through 11/30/2021, rates are subject to change. Membership eligibility required. Equal Credit Opportunity. Federally insured by NCUA.

Mortgage Loans at Great Rates


Mortgage Loans at Great Rates. Looking for a LOWER monthly mortgage payment or paying off faster with a shorter term? How about consolidation of other debt or cashing out the equity for home improvements, college, etc.? A Mortgage Refinance could be the ANSWER! Apply today and take advantage of interest rates as low as 2.625% (2.686% APR*) on a 15 year fixed rate closed-end mortgage loan. Call 920-459-5154 for details. Subject to credit and collateral approval, membership required. Some restrictions apply.


*Annual Percentage Rate:  A sample payment at 2.686% APR would be $504.52 based on a loan amount of $75,000 with a term of 15 years, first lien position, 80% loan to value, and having a credit score above 719. Owner-occupied properties only with a maximum loan to value of 80%. Low closing costs. If an appraisal ($400 estimate) and title insurance ($375 estimate) are required, there will be an additional charge. Offer cannot be combined with any other offers. Consumer, credit cards, Kwik cash, and real-estate secured lines of credit are not eligible for this promotion. Monthly payments listed do not include taxes, homeowner’s insurance or add-ons. If applicable, the actual payment obligation will be greater. Rates are subject to change without any notice. Membership eligibility required. Equal Credit Opportunity,

Balance Transfer Promotion

SACU is currently promoting a 2.99% Annual Percentage Rate balance transfer offer for 6 months or 6 billing cycles. After the 6 month or 6 billing cycles have ended, your credit card's remaining transferred balance will revert back to the standard card rate. No balance transfer fee! $250.00 minimum balance transfer amount.

Additional limitations, terms and conditions may apply. Please see your SACU representative for specific terms and conditions.

Offer expires 12/30/2021

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
  • Boats
  • Motorcycles
  • Snowmobiles
  • Travel Trailers



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! 

  • ARM's
  • First Mortgages
  • Second Mortgages
  • Home Equity Loans / 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) 459-5151


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

If you need extra cash—for whatever reason—our Personal Loans can offer funds you need at rates you can afford.

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
  • Holiday Loans
  • Kwik Cash
  • Debt Consolidation
  • Many Other Purposes Just Ask!


Credit Cards

SACU offers MasterCard® and VISA® Credit Cards, featuring

  • Competitive, Low Interest Rates
  • No Annual Fees
  • VISA® and MasterCard®,
  • Online access to your account at


Account aCCESS   

Credit Card eStatements

Sign up for Credit Card eStatements:

• 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 eStatement.
  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

With college costs growing fast, it's time to borrow smarter. Get started.


Get the money you need to help make higher education happen Student loans for Sheboygan Area Credit Union by Sallie Mae® For borrowers attending or borrowing for a student attending a degree-granting institution

Whether you’re an undergraduate student, graduate student, or parent helping a student pay for school, these flexible loans are designed to meet your needs:

  • Competitive variable and fixed interest rates
  • No origination fee or prepayment penalty 
  • Multiple repayment options
 Learn which loan is right for you    


Smart Option Student Loan® for Undergraduate Students

Pay for your bachelor’s, associate’s, or certificate expenses at a degree-granting school


Graduate School Loan

Pay for expenses as you pursue your master’s and doctoral degrees

MBA Loan

Pay for your business school expenses as you pursue your Masters of Business Administration degree

Medical School Loan

Pay for your medical degree expenses in allopathic, general, osteopathic, podiatric, radiology, sports, and veterinary medicine

Dental School Loan

Pay for your dental degree expenses in general dentistry, endodontics, oral and maxillofacial surgery, orthodontics, pediatric dentistry, periodontics, and prosthodontics

Health Professions Graduate Loan

Pay for your health professions degree expenses in allied health, nursing, pharmacy, and other graduate-level health programs

Law School Loan

Pay for your school and associated expenses as you study for your law degree


Parent Loan

Help your student by taking responsibility with a loan in your name



Borrow responsibly We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.

These loans are made by Sallie Mae Bank or a lender partner. Sheboygan Area Credit Union is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.


Smart Option Student Loan and graduate loan products: This information is for borrowers attending degree granting institutions only. Smart Option Student Loan information is for undergraduate borrowers only. You must be attending a participating school located in the U.S. or have attended one during an eligible prior enrollment period. You must be a U.S. citizen or a permanent resident or a Non-U.S. citizen borrower with a creditworthy cosigner (who must be a U.S. citizen or permanent resident) and required U.S. Citizenship and Immigration Service (USCIS) documentation. U.S. citizens and permanent residents enrolled in eligible study abroad programs or who are attending or have attended schools located outside the U.S. are also eligible. For the Dental School Loan, Law School Loan, MBA Loan, and Medical School Loan, students must be enrolling in a graduate-level degree program in a field of study that is eligible for the loan and Graduate Certificate/Continuing Education coursework is not eligible. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

Parent Loan: This information is for borrowers with students attending degree-granting institutions only. The student is not eligible to be a borrower or cosigner and must be attending or have attended a participating school during an eligible prior enrollment period, or be enrolled in an eligible study abroad program. The borrower, cosigner and student must be U.S. citizens or permanent residents. The school may refund loan funds directly to the student, and if that occurs, borrower and cosigner (if applicable) would still be responsible for repaying that amount to Sallie Mae. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

Although we do not charge you a penalty or fee if you prepay your loan, any prepayment will be applied as provided in your promissory note: First to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal. SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE. © 2018 Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. All other names and logos used are the trademarks or service marks of their respective owners. SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America.