Sheboygan Area Credit Union



Current Rates

 

Loan Rates

New or Used Vehicles and Motorcycles (2018 - 2022)
APPLY
Term
Monthly Payment**
APR* As Low As
24 Months
$42.65
2.25%
36 Months
$28.75
2.25%
48 Months
$21.80
2.25%
60 Months
$17.64
2.25%
72 Months
$14.97
2.50%
84 Months^
$13.10
2.75%

 ^84 month term if over $35,000 and 2020 or newer model

Used Vehicles and Motorcycles (2016 - 2017)
APPLY
Term
Monthly Payment **
APR* As Low As
24 Months
$42.65
2.25%
36 Months
$28.75
2.25%
48 Months
$21.91
2.50%
60 Months
$17.86
2.75%
72 Months
$15.19
3.00%

 

Used Vehicle and Motorcycles (2014 - 2015)
APPLY
Term
Monthly Payment **
APR* As Low As
24 Months
$42.76
2.50%
36 Months
$28.97
2.75%
48 Months
$22.13
3.00%
60 Months
$18.08
3.25%

 

Used Vehicles and Motorcycles (2011 to 2013)
APPLY
Term
Monthly Payment **
APR* As Low As
24 Months
$43.31
3.75%
36 Months
$29.52
4.00%
48 Months
$22.69
4.25%

 

   Used Vehicles and Motorcycles (2010-Older)                                                     
Term
Monthly Payment **
APR* As Low As
24 Months
$44.21
5.75%
36 Months
$30.76
6.75%
 
New or Used Recreational Vehicles - Motorhomes, Boats, Campers, Snowmobiles, ATVs (2016 and Newer)

 

APPLY

Term
Monthly Payment**
APR* As Low As
24 Months
$42.76
2.50%
36 Months
$28.86
2.50%
48 Months
$21.91
2.50%
60 Months
$17.75
2.50%
72 Months
$15.19
3.00%
36 Months Balloon***
up to 15 yr amortization
$6.79
2.75%
Used Recreational Vehicles - Motorhomes, Boats, Campers, Snowmobiles, ATVs (2015 and Older)
APPLY
Term
Monthly Payment **
APR* As Low As
24 Months
$43.31
3.75%
36 Months
$29.52
4.00%
48 Months
$22.69
4.25%
60 Months
$18.64
4.50%
36 Months Balloon***
up to 15 yr amortization
$7.40
4.00%

 * APR is Annual Percentage Rate.

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

*** 36 month balloon available for loan amounts $25,000 or greater.

Rates posted based on excellent credit and having three qualifying services. Rates are subject to change. Your actual loan amount, rate and term is based on your credit history and credit score, and age of collateral.

Please call 920.459.5154 for Personal Signature Loan Rates.

DISCLOSURES FEE SCHEDULE

Savings Rates

Effective: July 1, 2021
Subject to change at any time without notice

Deposit Type Minimum Balance to earn Dividends Rate APY* Dividend Period
Savings(Share)** $100.00 0.02% 0.02% Quarterly
Interest share draft $2,500.00 0.02% 0.02% Quarterly
Christmas Club*** $25.00 0.02% 0.02% Annually
Vacation Club*** $25.00 0.02% 0.02% Annually
Money Market $100.01 0.02% 0.02% Monthly
  $5,000.01 0.02% 0.02% Monthly
  $10,000.01 0.02% 0.02% Monthly
  $25,000.01 0.03% 0.03% Monthly
IRA****   0.03% 0.03% Quarterly
Premium Money Market $10,000 0.03% 0.03% Monthly
  $25,000 0.05% 0.05% Monthly
  $50,000 0.08% 0.08% Monthly
  $100,000 0.10% 0.10% Monthly
  $150,000 0.10% 0.10% Monthly

Term Share Certificate Rates including IRA Share Certificates****

3 month *Tier 1
$1000-$9,999.99
0.03% 0.03% Maturity
  *Tier 2
$10,000-$24,999.99
0.03% 0.03% Maturity
  *Tier 3
$25,000 & Over
0.03% 0.03% Maturity
6 month *Tier 1 0.03% 0.03% Maturity
  *Tier 2 0.03% 0.03% Maturity
  *Tier 3 0.03% 0.03% Maturity
1 Year *Tier 1 0.05% 0.05% Annually
  *Tier 2 0.05% 0.05% Annually
  *Tier 3 0.05% 0.05% Annually
2 Year *Tier 1 0.10% 0.10% Annually
  *Tier 2 0.10% 0.10% Annually
  *Tier 3 0.10% 0.10% Annually
3 Year *Tier 1 0.15% 0.15% Annually
  *Tier 2 0.15% 0.15% Annually
  *Tier 3 0.15% 0.15% Annually
4 Year *Tier 1 0.20% 0.20% Annually
  *Tier 2 0.20% 0.20% Annually
  *Tier 3 0.20% 0.20% Annually
5 Year *Tier 1 0.25% 0.25% Annually
  *Tier 2 0.25% 0.25% Annually
  *Tier 3 0.25% 0.25% Annually

Specials

       
9 month $5,000 0.03% 0.03% Maturity
  $10,000 0.03% 0.03% Maturity
  $25,000 0.03% 0.03% Maturity
13 month $5,000 0.05% 0.05% Annually
  $10,000 0.05% 0.05% Annually
  $25,000 0.05% 0.05% Annually
25 month $5,000 0.10% 0.10% Annually
  $10,000 0.10% 0.10% Annually
  $25,000 0.10% 0.10% Annually
37 month $5,000 0.15% 0.15% Annually
  $10,000 0.15% 0.15% Annually
  $25,000 0.15% 0.15% Annually
59 month $5,000 0.25% 0.25% Annually
  $10,000 0.25% 0.25% Annually
  $25,000 0.25% 0.25% 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.

 

DISCLOSURES FEE SCHEDULE

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^^
$4.77
4.00%
5.133%
Fixed Rate Mortgage up to 10 years
 $9.89
3.50%
3.576%
Fixed Mortgage up to 15 years
(Max 70% LTV)
 $7.65
4.50%
4.554%
Fixed Rate Mortgage up to 15 years
$7.78
4.75%
4.804%
Fixed Rate Mortgage up to 20 years
 $6.74
5.25%
5.294%
Fixed Rate Mortgage up to 30 years
 $5.68
5.50%
5.533%
5/5 ARM Non-Owner Occupied
up to 25 years^^
 $6.44
6.00%
5.902%
**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 $300 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.

Second Mortgage (In House)

Fixed rates fully amortized
80% and lower Loan To Value (LTV)

Term
Monthly Payment^ Interest Rate

APR** As Low As

36 Months
 $29.03 2.875%
2.955%
60 Months
$17.91 2.875%
2.924%
84 Months
 $13.55 3.75%
3.786%
120 Months  $10.12 4.00% 4.026%
**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.

Second Mortgage (In House)

Fixed rates fully amortized
Over 80% Loan To Value (LTV)

Term
Monthly Payment^

Interest Rate

APR** As Low As

36 Months
$30.08
5.25%
5.332%
60 Months
$19.10
5.50%
5.55%
84 Months
$14.49
5.75%
5.787%
120 Months $11.10 6.00% 6.027%
**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% Loan To Value
1.50% of Balance Min.
(Prime) 4.75%
Over 80% Loan To Value
1.50% of Balance Min.
(Prime + 2) 6.75%

^ 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%.

Home Improvement Loans*

Term
Monthly Payment^
APR** As Low As
Up to 10 Years and $10,000
$12.37
8.45%
Up to 15 years and $10,00.01-$25,000
$10.11
8.95%

*Home Improvement Underwriting Guidelines are established by third party program. 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.

 

Rates are subject to change without notice.

Your actual loan amount, rate and term is based on your credit worthiness. Membership eligibility required.

 Effective Date as of 6/30/2022

DISCLOSURES FEE SCHEDULE

Credit Card Rates

CARD TYPE ANNUAL PERCENTAGE RATE (APR)*
VISA PLATINUM 8.99%
VISA GOLD 10.99%
MASTERCARD CLASSIC 14.99%
MASTERCARD SECURED 18.99%

*APR is a FIXED rate and is based on credit worthiness.

VISA APPLICATION AND SOLICITATION DISCLOSURE 

MASTERCARD APPLICATION AND SOLICITATION DISCLOSURE