What are the current interest rates at Sharon And Crescent United Credit Union?

Current rates for Sharon And Crescent United Credit Union include: 12-Month CD: 3.25%, 18-Month CD: 3.25%, 24-Month CD: 3.25%, 60-Month CD: 3.00%, Savings: 0.01%, MMA: 0.03%

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Sharon And Crescent United Credit Union

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Sharon And Crescent United Credit Union Rates & Review July 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Sharon And Crescent United Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: July 7, 2026

Sharon And Crescent United Credit Union's 6 month rates are at 3.50%, 1 Year 36 Month Step Up CD rates are at 3.30%, 36 Month Step Up CD, Year 1 rates are at 3.30%, 36 Month Step Up CD, Year 2 rates are at 3.30%, 36 Month Step Up CD, Year 3 rates are at 3.30%. Sharon And Crescent United Credit Union's savings rates are at 0.01%. Sharon And Crescent United Credit Union's money market rates are at 0.03%. Sharon And Crescent United Credit Union's Fixed Jumbo rates are at 5.62%, 5/5 ARM rates are at 5.50%, 5/5 ARM Jumbo rates are at 5.50%, Jumbo Loans - Adjustable Rate First Mortgages (ARM) 7/1 Years (30 Years) rates are at 5.50%, Jumbo Loans - Adjustable Rate First Mortgages (ARM) 5/1 Years (30 Years) rates are at 5.25%. Sharon And Crescent United Credit Union's Personal Loan Rates are at 8.99%. MonitorBankRates evaluates the financial stability of Sharon And Crescent United Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.94%. Rates were last updated on 07/07/2026.

Sharon And Crescent United Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Sharon And Crescent United Credit Union? Share your experience about Sharon And Crescent United Credit Union by leaving a review below, or read customer reviews before you decide to use Sharon And Crescent United Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.94%

Excellent Lower than avg

Sharon And Crescent United Credit Union
Operations Center

30 Pond St
Sharon, MA 02067 2040

https://www.scucu.com

Sharon And Crescent United Credit Union CD Rates

Product	Rate	APY	Term
6 month	3.45%	3.50%	6 Months
Min Balance $500 Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
1 Year 36 Month Step Up Certificate	3.00%	3.30%	1 Year
Min Balance $500 Details Rates for each year of the 36-Month Step-Up Certificate account are fixed for that year as disclosed. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
36 Month Step Up Certificate, Year 1	3.00%	3.30%	36 months
Min Balance $500 Details Year 1 rate Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
36 Month Step Up Certificate, Year 2	3.25%	3.30%	36 months
Min Balance $500 Details Year 2 rate Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
36 Month Step Up Certificate, Year 3	3.50%	3.30%	36 months
Min Balance $500 Details Year 3 rate Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
12 month	3.20%	3.25%	12 Months
Min Balance $500 Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
12 month IRA Certificate	3.20%	3.25%	12 months
Min Balance $250 Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
15 Month IRA Special	3.20%	3.25%	15 months
Min Balance $250 Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
15 Month Special	3.20%	3.25%	15 Month
Min Balance $500 Details All offered rates subject to change at any time. Rates for Certificate accounts are fixed at the time of account opening for the term of the account. Penalty may apply for early withdrawal from a Certificate account. Fees may reduce earnings. Please refer to SCU's Important Account Information for Our Members and Schedule of Fees and Service Charges for important information and disclosures. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
18 month	3.20%	3.25%	18 Months
Min Balance $500 Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
18 month IRA Certificate	3.20%	3.25%	18 months
Min Balance $250 Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
24 month	3.20%	3.25%	24 Months
Min Balance $500 Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
24 month IRA Certificate	3.20%	3.25%	24 months
Min Balance $250 Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
30 Month IRA Special	3.20%	3.25%	30 months
Min Balance $250 Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
30 Month Special	3.20%	3.25%	30 Month
Min Balance $500 Details All offered rates subject to change at any time. Rates for Certificate accounts are fixed at the time of account opening for the term of the account. Penalty may apply for early withdrawal from a Certificate account. Fees may reduce earnings. Please refer to SCU's Important Account Information for Our Members and Schedule of Fees and Service Charges for important information and disclosures. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
9 Month IRA Special	3.20%	3.25%	9 months
Min Balance $250 Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
9 Month Special	3.20%	3.25%	9 Month
Min Balance $500 Details All offered rates subject to change at any time. Rates for Certificate accounts are fixed at the time of account opening for the term of the account. Penalty may apply for early withdrawal from a Certificate account. Fees may reduce earnings. Please refer to SCU's Important Account Information for Our Members and Schedule of Fees and Service Charges for important information and disclosures. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
3 month	2.96%	3.00%	3 Months
Min Balance $500 Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
36 month	2.96%	3.00%	36 Months
Min Balance $500 Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
36 month IRA Certificate	2.96%	3.00%	36 months
Min Balance $250 Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
48 month	2.96%	3.00%	48 Months
Min Balance $500 Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
48 month IRA Certificate	2.96%	3.00%	48 months
Min Balance $250 Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
60 month	2.96%	3.00%	60 Months
Min Balance $500 Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
60 month IRA Certificate	2.96%	3.00%	60 months
Min Balance $250 Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%

Sharon And Crescent United Credit Union Savings Rates

Product	Rate	APY
SCU Direct Savings Account	3.69%	3.75%
Min Balance $10 Details SCU Direct account offers a higher dividend rate to members who save systematically with a preauthorized weekly or monthly transfer from a SCU Checking Account. Unlimited withdrawals only when made in person. Online transfer available. Premium tiered variable dividend rate and APY. $10.00 minimum preauthorized transfer amount to open from your SCU Checking Account. $10,000 maximum opening deposit. Subsequent deposits to this account may be made only by means of a preauthorized weekly or monthly transfer from your qualifying checking account. Changing your transfer amount or frequency to this account can be done at any of our branch locations or by calling the contact center at 781-784-7725 or toll free at 877-661-3300. APY = Annual Percentage Yield. Rates are variable and may change after the account is opened at any time at SCU's discretion. Fees may reduce earnings on the account. Other conditions may apply. Please refer to SCU's Important Account Information for Our Members and Schedule of Fees and Service Charges for important information and disclosures. Minimum balance required to open and earn the stated Annual Percentage Yield. Other terms and conditions may apply. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
SCU Direct Savings Account	1.00%	2.75%
Min Balance $50,000 Details SCU Direct account offers a higher dividend rate to members who save systematically with a preauthorized weekly or monthly transfer from a SCU Checking Account. Unlimited withdrawals only when made in person. Online transfer available. Premium tiered variable dividend rate and APY. $10.00 minimum preauthorized transfer amount to open from your SCU Checking Account. $10,000 maximum opening deposit. Subsequent deposits to this account may be made only by means of a preauthorized weekly or monthly transfer from your qualifying checking account. Changing your transfer amount or frequency to this account can be done at any of our branch locations or by calling the contact center at 781-784-7725 or toll free at 877-661-3300. APY = Annual Percentage Yield. Rates are variable and may change after the account is opened at any time at SCU's discretion. Fees may reduce earnings on the account. Other conditions may apply. Please refer to SCU's Important Account Information for Our Members and Schedule of Fees and Service Charges for important information and disclosures. Minimum balance required to open and earn the stated Annual Percentage Yield. Other terms and conditions may apply. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
SCU Direct Savings Account	0.05%	1.35%
Min Balance $250,000 Details SCU Direct account offers a higher dividend rate to members who save systematically with a preauthorized weekly or monthly transfer from a SCU Checking Account. Unlimited withdrawals only when made in person. Online transfer available. Premium tiered variable dividend rate and APY. $10.00 minimum preauthorized transfer amount to open from your SCU Checking Account. $10,000 maximum opening deposit. Subsequent deposits to this account may be made only by means of a preauthorized weekly or monthly transfer from your qualifying checking account. Changing your transfer amount or frequency to this account can be done at any of our branch locations or by calling the contact center at 781-784-7725 or toll free at 877-661-3300. APY = Annual Percentage Yield. Rates are variable and may change after the account is opened at any time at SCU's discretion. Fees may reduce earnings on the account. Other conditions may apply. Please refer to SCU's Important Account Information for Our Members and Schedule of Fees and Service Charges for important information and disclosures. Minimum balance required to open and earn the stated Annual Percentage Yield. Other terms and conditions may apply. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
MyHoliday Savings Club	0.01%	0.01%
Min Balance $1 Details Minimum balance required to open and earn the stated Annual Percentage Yield. Other terms and conditions may apply. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
MyVacation Savings Club	0.01%	0.01%
Min Balance $1 Details Minimum balance required to open and earn the stated Annual Percentage Yield. Other terms and conditions may apply. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%

Sharon And Crescent United Credit Union Money Market Rates

Product	Rate	APY
MyPremium Money Market Tier 3	2.96%	3.00%
Min Balance $500,000 Details Rates are variable and may change after the account is opened at any time at SCU's discretion. Fees may reduce earnings on the account. Other conditions may apply. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
MyPremium Money Market Tier 4	2.96%	3.00%
Min Balance $1,000,000 Details Rates are variable and may change after the account is opened at any time at SCU's discretion. Fees may reduce earnings on the account. Other conditions may apply. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
MyPremium Money Market Tier 5	2.96%	3.00%
Min Balance $2,500,000 Details Rates are variable and may change after the account is opened at any time at SCU's discretion. Fees may reduce earnings on the account. Other conditions may apply. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
MyPremium Money Market Tier 1	2.71%	2.75%
Min Balance $50,000 Details Rates are variable and may change after the account is opened at any time at SCU's discretion. Fees may reduce earnings on the account. Other conditions may apply. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
MyPremium Money Market Tier 2	2.71%	2.75%
Min Balance $250,000 Details Rates are variable and may change after the account is opened at any time at SCU's discretion. Fees may reduce earnings on the account. Other conditions may apply. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
MyMoney Market Tier 3	1.24%	1.25%
Details Rates are variable and may change after the account is opened at any time at SCU's discretion. Fees may reduce earnings on the account. Other conditions may apply. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
MyMoney Market Tier 2	0.50%	0.50%
Min Balance $2,500 Details Rates are variable and may change after the account is opened at any time at SCU's discretion. Fees may reduce earnings on the account. Other conditions may apply. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
MyMoney Market Tier 1	0.03%	0.03%
Min Balance $5 Details Rates are variable and may change after the account is opened at any time at SCU's discretion. Fees may reduce earnings on the account. Other conditions may apply. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%

Sharon And Crescent United Credit Union Checking Rates

Product	Rate	APY
MyInterest Checking Tier 4	0.05%	0.05%
Min Balance $10,000 Details Minimum balance required to open and earn the stated Annual Percentage Yield. Refer to our Service Charges Schedule for any applicable fees. Other terms and conditions may apply. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
MyInterest Checking Tier 3	0.01%	0.01%
Min Balance $5,000 Details Minimum balance required to open and earn the stated Annual Percentage Yield. Refer to our Service Charges Schedule for any applicable fees. Other terms and conditions may apply. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
MyInterest Checking Tier 1	-	0.00%
Min Balance $5 Details Minimum balance required to open and earn the stated Annual Percentage Yield. Refer to our Service Charges Schedule for any applicable fees. Other terms and conditions may apply. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
MyInterest Checking Tier 2	-	0.00%
Min Balance $500 Details Minimum balance required to open and earn the stated Annual Percentage Yield. Refer to our Service Charges Schedule for any applicable fees. Other terms and conditions may apply. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%

Sharon And Crescent United Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Adjustable Rate Mortgages	-	-	5.50%	30 years
Details 5/5 ARM Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
Fixed Jumbo	5.63%	-	5.63%	5 Years
No additional details. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
5/5 ARM	5.50%	-	5.75%	10 Years
No additional details. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
5/5 ARM Jumbo	5.50%	-	5.75%	10 Years
No additional details. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
Jumbo Loans - Adjustable Rate First Mortgages (ARM) 7/1 Years (30 Years)	5.50%	0	6.02%	30 Years
Details Initial 84 payments of $4,795.22 at a rate of 5.625%. Then, based on the current index, 275 payments of $5,071.53 at a rate of 6.250%, and 1 payment of $5,073.95 at a rate of 6.250%. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
Jumbo Loans - Adjustable Rate First Mortgages (ARM) 5/1 Years (30 Years)	5.25%	0	6.04%	30 Years
Details Initial 60 payments of $4,599.86 at a rate of 5.250%. Then, based on the current index, 299 payments of $5,063.66 at a rate of 6.250% and 1 payment of $5,060.46 at a rate of 6.250%. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
Fixed Jumbo	6.13%	-	6.13%	10 Years
No additional details. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
Jumbo Loans - Adjustable Rate First Mortgages (ARM) 5/5 Years (30 Years)	5.50%	0	6.13%	30 Years
Details Initial 60 payments of $4,861.16 at a rate of 5.750%. Then, based on the current index, 299 payments of $5,097.33 at a rate of 6.250% and 1 payment of $5,094.01 at a rate of 6.250%. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
5/5 ARM	5.99%	-	6.16%	12 Years
No additional details. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
5/5 ARM Jumbo	5.99%	-	6.16%	12 Years
No additional details. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
Jumbo Loans - Adjustable Rate First Mortgages (ARM) 3/1 Years (30 Years)	5.13%	0	6.18%	30 Years
Details Initial 36 payments of $4,535.58 at a rate of 5.125%. Then, based on the current index, 323 payments of $5,085.66 at a rate of 6.250%, and 1 payment of $5,085.94 at a rate of 6.250%. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
Jumbo Loans - Adjustable Rate First Mortgages (ARM) 10/1 Years (30 Years)	6.13%	0	6.28%	30 Years
Details Initial 120 payments of $5,061.40 at a rate of 6.125%. Then, based on the current index, 239 payments of $5,112.22 at a rate of 6.250% and 1 payment of $5,111.40 at a rate of 6.250%. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
Fixed Jumbo	6.63%	-	6.63%	12 Years
No additional details. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%

Sharon And Crescent United Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loans	-	-	5.99%	1 to 10 years
Details Intro rate Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
Introductory Rate Home Equity Line of Credit (HELOC)	-	-	5.99%	Max Term - Revolving
Details Introductory Rate; Intro rate expires: 12 months; Variable APR equal to The Wall Street Journal Prime Rate minus .50% for the life of the loan thereafter, with a minimum APR of 3.50% and a maximum APR of 18.00%. The current Variable rate is 6.25% APR. No points or closing costs are associated with this loan. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
HELOC (Interest Only Payment)	-	-	6.25%	Max Term - Revolving
Details Prime - .50% for the life of the loan. Minimum APR is 3.50%. The Wall Street Journal Prime Rate (currently 6.75% as of December 11, 2025) minus .50% for the life of the loan thereafter, with a minimum APR of 3.50% and a maximum APR of 18.00%. This rate is set monthly and subject to change. The amount of payments may change in the event that the Prime rate changes. Borrowers who maintain their first mortgage with SCU Credit Union may be eligible for a floor rate of 3.00% APR. Owner occupied properties only in MA or RI. Maximum LTV requirements apply. Up to 80% of the assessed value or up to 80% of the appraised value less the remaining balance on your first mortgage on 1-4 family owner occupied residences. Minimum credit line is $10,000.00. Credit lines available up to $750,000.00. Interest begins accruing upon loan disbursal. 10-year draw period followed by a 10-year repayment period. Property insurance and flood insurance, if applicable, are required. Closing costs do not include any taxes (if necessary). No points or closing attorney fees are associated with this loan. Applicable Trust and Power of Attorney review and recording fees apply. If the line of credit is paid off within 36 months, the borrower will be responsible for waived closing fees. These costs generally range from $300-$600. Consult your tax professional regarding deductibility of interest. A $5 primary share account is required for membership for each borrower. Membership eligibility required. Subject to creditworthiness. All loans are subject to credit approval. Other restrictions may apply. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
Home Equity Home Improvement Loan	-	-	6.25%	1-5 Years
Details Maximum LTV requirements apply. Property insurance is required. Appraisal fee and/or flood insurance coverage may be required. No points or attorney fees are associated with this loan. Applicable Trust review and recording fees apply. Other restrictions may apply. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
Standard HELOC (Principal and Interest Payments)	-	-	6.25%	Max Term - Revolving
Details Prime - .50% for the life of the loan. Minimum APR is 3.50%. The Wall Street Journal Prime Rate (currently 6.75% as of December 11, 2025) minus .50% for the life of the loan thereafter, with a minimum APR of 3.50% and a maximum APR of 18.00%. This rate is set monthly and subject to change. The amount of payments may change in the event that the Prime rate changes. Borrowers who maintain their first mortgage with SCU Credit Union may be eligible for a floor rate of 3.00% APR. Owner occupied properties only in MA or RI. Maximum LTV requirements apply. Up to 80% of the assessed value or up to 80% of the appraised value less the remaining balance on your first mortgage on 1-4 family owner occupied residences. Minimum credit line is $10,000.00. Credit lines available up to $750,000.00. Interest begins accruing upon loan disbursal. 10-year draw period followed by a 10-year repayment period. Property insurance and flood insurance, if applicable, are required. Closing costs do not include any taxes (if necessary). No points or closing attorney fees are associated with this loan. Applicable Trust and Power of Attorney review and recording fees apply. If the line of credit is paid off within 36 months, the borrower will be responsible for waived closing fees. These costs generally range from $300-$600. Consult your tax professional regarding deductibility of interest. A $5 primary share account is required for membership for each borrower. Membership eligibility required. Subject to creditworthiness. All loans are subject to credit approval. Other restrictions may apply. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
Home Equity Home Improvement Loan	-	-	6.50%	6-10 Years
Details Maximum LTV requirements apply. Property insurance is required. Appraisal fee and/or flood insurance coverage may be required. No points or attorney fees are associated with this loan. Applicable Trust review and recording fees apply. Other restrictions may apply. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
Home Equity Home Improvement Loan	-	-	7.25%	11-15 Years
Details Maximum LTV requirements apply. Property insurance is required. Appraisal fee and/or flood insurance coverage may be required. No points or attorney fees are associated with this loan. Applicable Trust review and recording fees apply. Other restrictions may apply. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
Home Equity Home Improvement Loan	-	-	8.00%	16-20 Years
Details Maximum LTV requirements apply. Property insurance is required. Appraisal fee and/or flood insurance coverage may be required. No points or attorney fees are associated with this loan. Applicable Trust review and recording fees apply. Other restrictions may apply. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%

Sharon And Crescent United Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	4.99%	Up to 63 Months
No additional details. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%

Sharon And Crescent United Credit Union Personal Loan Rates

Product	Rate	APR
Personal Loans	-	8.99%
Details Maximum Loan: $25,000.00. Advertised APR is the lowest available. Not all borrowers will qualify for the lowest rate. Rates are effective as of today's date and are subject to change without notice. Membership eligibility is required. Certain restrictions may apply for members with existing SCU personal loans. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
Personal Loans	-	9.99%
Details Maximum Loan: $25,000.00. Advertised APR is the lowest available. Not all borrowers will qualify for the lowest rate. Rates are effective as of today's date and are subject to change without notice. Membership eligibility is required. Certain restrictions may apply for members with existing SCU personal loans. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
Personal Loans	-	11.49%
Details Maximum Loan: $25,000.00. 49-60 month terms available for a minimum loan amount of $15,000. Advertised APR is the lowest available. Not all borrowers will qualify for the lowest rate. Rates are effective as of today's date and are subject to change without notice. Membership eligibility is required. Certain restrictions may apply for members with existing SCU personal loans. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Sharon And Crescent United Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Sharon And Crescent United Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Sharon And Crescent United Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Sharon And Crescent United Credit Union

Website https://www.scucu.com

Address 30 Pond St, Sharon, MA 02067 2040

Phone 781-784-7725

Fax

President Howard Spiller

CEO Glenn Parsons

Full-Time Employees 149

Part-Time Employees 6

Branch Locations 11

ATM Locations 12

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.94%

Return on Assets (ROA)

0.5264%

Return on Equity (ROE)

4.2452%

Non-Performing Loans Ratio (NPL)

0.56%

Total Assets

1,385,502,043

Total Amount of Shares and Deposits

1,056,119,056

Total Shares and Deposits < 1 Year

982,118,620

Total Shares and Deposits 1 3 Years

72,137,841

Total Shares and Deposits > 3 Years

1,862,593

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

143,333,630

Total Uninsured Shares and Deposits > $250K (F+J)

143,333,630

Total Insured Shares and Deposits > $250K (item 17 less item K)

912,785,426

Total Interest Expense (Sum of items 6 8)

16,608,485

Share Certificates

6,340

Number of Accounts for Share Drafts

35,363

IRA KEOGH Accounts

2,652

Number of Accounts for Regular Shares

83,891

All other shares

2,008

Money Market Shares

1,720

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

67,694,690

Total Liabilities

1,214,707,202

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About Sharon And Crescent United Credit Union

How many branches does Sharon And Crescent United Credit Union operate?

Sharon And Crescent United Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Sharon And Crescent United Credit Union?

Yes, to access services at Sharon And Crescent United Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Sharon And Crescent United Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Sharon And Crescent United Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Sharon And Crescent United Credit Union offer online and mobile banking?

Most modern institutions like Sharon And Crescent United Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.scucu.com.