Rates

Interested in our interest rates?

Loans

Mortgage and Home Equity

Checking

Savings

Share Certificates

Loans

Loans

Fixed Rate APR as low as
New Auto (3 years & newer) 1.99%*
Used Auto (4-10 years old) 1.99%*
Older Auto (11 years & older) 5.00%*
First Time Auto Buyer (10 years & newer) 9.75%*
Classic Credit Card 16.00%
New RVs & Watercraft (3 years & newer) 4.25%*
Used RVs & Watercraft (4 -10 years old) 5.25%*
Motorcycle & ATVs 4.50%*
Personal Loan - Custom Cash Secured 8.25%*
Personal Loan - Custom Cash Unsecured 9.75%*
Variable Rate APR as low as
Member Select Credit Card 7.00%
Personal Loan - Custom Cash Secured 7.50%
Personal Loan - Custom Cash Unsecured 8.50%
Personal Line of Credit - My Line 7.50%

*APR assumes automatic payment. Loan to value and term restrictions may apply.

Mortgage and Home Equity

Click here for our current rates.

Checking

Checking

If qualifications are met APY* Minimum to open
Cash Rewards Checking (balances up to $15,000) 1.50% $50
Cash Rewards Checking (balances over $15,000) 0.28% - 1.50% $50
If qualifications are not met APY* Minimum to open
Cash Rewards Checking 0.01% $50

Qualifications: Must perform at least 10 debit card purchases, have a direct deposit or ACH transaction, and must receive their statement via e-statements to a valid email address. Qualifying transactions must post and settle to the account during the monthly qualification cycle. The qualification cycle ends on the second to the last business day of each month. Transactions may take one or more banking days from the date the transaction was made to post to an account. Any internal transfers made within or between SHCU accounts do not count as qualifying ACH or automatic payment transactions.

Savings

Savings

Regular Savings APY* Minimum to open
$5 to $299 0.00% $5
$300 to $9,999 0.05% $5
$10,000 to $49,999 0.05% $5
$50,000 and higher 0.10% $5
IRA Savings APY* Minimum to open
$5 to $24,999 0.10% $5
$25,000 and higher 0.25% $5
Money Market APY* Minimum to open
$0 to $4,999 0.00% $5,000
$5,000 to 24,999 0.10% $5,000
$25,000 to $49,000 0.10% $5,000
$50,000 to $74,999 0.15% $5,000
$75,000 to $99,999 0.15% $5,000
$100,000 to $249,999 0.20% $5,000
$250,000 and higher 0.20% $5,000
Cub Club Savings APY* Minimum to open
$0 to $9,999 0.05% $5
$10,000 and higher 0.10% $5
Teen Savings APY* Minimum to open
$0 to $9,999 0.05% $5
$10,000 and higher 0.10% $5
Special Savings APY* Minimum to open
$5 to $299 0.00% $5
$300 to $9,999 0.05% $5
$10,000 to $49,999 0.05% $5
$50,000 and higher 0.10% $5
Christmas Club APY* Minimum to open
$5 to $299 0.00% $5
$300 to $9,999 0.05% $5
$10,000 to $49,999 0.05% $5
$50,000 and higher 0.10% $5
Share Certificates

Share Certificates

6 Month APY* Minimum to open
$500 to $9,999 0.10% $500
$10,000 to $24,999 0.15% $10,000
$25,000 to $49,000 0.20% $25,000
$50,000 to $99,999 0.25% $50,000
$100,000 and higher 0.30% $100,000
12 Month APY* Minimum to open
$500 to $9,999 0.25% $500
$10,000 to $24,999 0.30% $10,000
$25,000 to $49,000 0.35% $25,000
$50,000 to $99,999 0.40% $50,000
$100,000 and higher 0.45% $100,000
24 Month APY* Minimum to open
$500 to $9,999 0.40% $500
$10,000 to $24,999 0.45% $10,000
$25,000 to $49,000 0.50% $25,000
$50,000 to $99,999 0.55% $50,000
$100,000 and higher 0.60% $100,000
36 Month APY* Minimum to open
$500 to $9,999 0.70% $500
$10,000 to $24,999 0.75% $10,000
$25,000 to $49,000 0.80% $25,000
$50,000 to $99,999 0.85% $50,000
$100,000 and higher 0.90% $100,000
60 Month APY* Minimum to open
$500 to $9,999 1.05% $500
$10,000 to $24,999 1.10% $10,000
$25,000 to $49,000 1.15% $25,000
$50,000 to $99,999 1.20% $50,000
$100,000 and higher 1.25% $100,000
36 Month Cub Club APY* Minimum to open
$200 to $10,000 0.70% $200
12 Month
Save to Win
APY* Minimum to Open
$25 to $3,000 0.20% $25

Early withdrawal penalties may apply.

Non-Compounding Share Certificates

12 Month APY* Minimum to open
$500 to $9,999 0.35% $500
$10,000 to $24,999 0.40% $10,000
$25,000 to $49,000 0.45% $25,000
$50,000 to $99,999 0.50% $50,000
$100,000 and higher 0.55% $100,000
24 Month APY* Minimum to open
$500 to $9,999 0.50% $500
$10,000 to $24,999 0.55% $10,000
$25,000 to $49,000 0.60% $25,000
$50,000 to $99,999 0.65% $50,000
$100,000 and higher 0.70% $100,000
60 Month APY* Minimum to open
$500 to $9,999 1.05% $500
$10,000 to $24,999 1.09% $10,000
$25,000 to $49,000 1.14% $25,000
$50,000 to $99,999 1.19% $50,000
$100,000 and higher 1.24% $100,000

Early withdrawal penalties may apply.

IRA Share Certificates

12 Month APY* Minimum to open
$500 to $9,999 0.35% $500
$10,000 to $24,999 0.40% $10,000
$25,000 to $49,000 0.45% $25,000
$50,000 to $99,999 0.50% $50,000
$100,000 and higher 0.55% $100,000
24 Month APY* Minimum to open
$500 to $9,999 0.50% $500
$10,000 to $24,999 0.55% $10,000
$25,000 to $49,000 0.60% $25,000
$50,000 to $99,999 0.65% $50,000
$100,000 and higher 0.70% $100,000
36 Month APY* Minimum to open
$500 to $9,999 0.70% $500
$10,000 to $24,999 0.75% $10,000
$25,000 to $49,000 0.80% $25,000
$50,000 to $99,999 0.85% $50,000
$100,000 and higher 0.90% $100,000

Early withdrawal penalties may apply.

*APY – Annual Percentage Yield. Fees may reduce earnings. All APRs and APYs are effective as of 7/25/2016 and may change in the future.

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