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 August 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 and Verified: August 28, 2026

Sharon And Crescent United Credit Union's 15 Month IRA Special rates are at 4.00%, 15 Month Special rates are at 4.00%, 7 Month Special rates are at 3.75%, 36 Month Step Up CD, Year 1 rates are at 3.30%, 36 Month Step Up CD, Year 2 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%, Refinance Your Mortgage - On The House - 5/5 ARM rates are at 5.50%, Refinance Your Mortgage - On The House - 5/5 ARM Jumbo rates are at 5.50%, 7/1 Years (30 Years) Loan rates are at 5.50%, 5/1 Years (30 Years) Loan 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 last updated and verified on 08/28/2026.

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
15 Month IRA Special	3.93%	4.00%	15 Month
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
15 Month Special	3.93%	4.00%	15 Month
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
7 Month Special	3.69%	3.75%	7 Month
Min Balance $500 Last Updated 08/28/2026 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 Month
Min Balance $500 Last Updated 08/28/2026 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 Month
Min Balance $500 Last Updated 08/28/2026 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 Month
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
36 Month Step Up Year 1	3.00%	3.30%	36 Month
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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
36 Month Step Up Year 2	3.25%	3.30%	36 Month
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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
36 Month Step Up Year 3	3.50%	3.30%	36 Month
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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
12 month IRA Certificate	3.20%	3.25%	12 Month
Min Balance $250 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
18 month IRA Certificate	3.20%	3.25%	18 Month
Min Balance $250 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
24 month IRA Certificate	3.20%	3.25%	24 Month
Min Balance $250 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
30 Month IRA Special	3.20%	3.25%	30 Month
Min Balance $250 Last Updated 08/28/2026 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 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
9 Month IRA Certificate	3.20%	3.25%	9 Month
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
6 month Certificates of Deposit	3.20%	3.25%	6 Months
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
36 month IRA Certificate	2.96%	3.00%	36 Month
Min Balance $250 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
48 month IRA Certificate	2.96%	3.00%	48 Month
Min Balance $250 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
60 month IRA Certificate	2.96%	3.00%	60 Month
Min Balance $250 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
3 month Certificates of Deposit	2.96%	3.00%	3 Months
Min Balance $500 Last Updated 08/28/2026 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	3.68%	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 Last Updated 08/28/2026 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 Last Updated 08/28/2026 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 Last Updated 08/28/2026 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 08/28/2026 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 08/28/2026 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	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. 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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
MyPremium Money Market	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. 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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
MyMoney Market	1.24%	1.25%
Min Balance $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
MyMoney Market	0.50%	0.50%
Min Balance $2,500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
MyMoney Market	0.03%	0.03%
Min Balance $5 Last Updated 08/28/2026 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	0.05%	0.05%
Min Balance $10,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
MyInterest Checking	0.01%	0.01%
Min Balance $5,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
MyInterest Checking	0.00%	0.00%
Min Balance $5 Last Updated 08/28/2026 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
5/5 ARM	-	-	5.50%	30 years
No additional details. Last Updated 08/28/2026 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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
Refinance Your Mortgage - On The House - 5/5 ARM	5.50%	-	5.75%	10 Years
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
Refinance Your Mortgage - On The House - 5/5 ARM Jumbo	5.50%	-	5.75%	10 Years
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
7/1 Years (30 Years) Loan	5.50%	0	6.04%	30 Years
Details Rates are determined by loan amount, creditworthiness, loan-to value (LTV), loan term, occupancy status, property type, loan purpose, and lien position, so your rate could be higher. Advertised rates are based on a set of loan assumptions; 0 discounted points or fees, Purchase owner occupied primary properties, single family residence; warrantable condominiums; 2-4 unit properties; credit score 720 or higher; Loan-to-value 80% or below. Your actual rate, fees, payment, terms and costs could vary based on when your rate is locked, and according to the property and loan characteristics. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
5/1 Years (30 Years) Loan	5.25%	0	6.07%	30 Years
Details Rates are determined by loan amount, creditworthiness, loan-to value (LTV), loan term, occupancy status, property type, loan purpose, and lien position, so your rate could be higher. Advertised rates are based on a set of loan assumptions; 0 discounted points or fees, Purchase owner occupied primary properties, single family residence; warrantable condominiums; 2-4 unit properties; credit score 720 or higher; Loan-to-value 80% or below. Your actual rate, fees, payment, terms and costs could vary based on when your rate is locked, and according to the property and loan characteristics. Last Updated 08/28/2026 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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
Refinance Your Mortgage - On The House - 5/5 ARM	5.99%	-	6.16%	12 Years
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
Refinance Your Mortgage - On The House - 5/5 ARM Jumbo	5.99%	-	6.16%	12 Years
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
3/1 Years (30 Years) Loan	5.13%	0	6.19%	30 Years
Details Rates are determined by loan amount, creditworthiness, loan-to value (LTV), loan term, occupancy status, property type, loan purpose, and lien position, so your rate could be higher. Advertised rates are based on a set of loan assumptions; 0 discounted points or fees, Purchase owner occupied primary properties, single family residence; warrantable condominiums; 2-4 unit properties; credit score 720 or higher; Loan-to-value 80% or below. Your actual rate, fees, payment, terms and costs could vary based on when your rate is locked, and according to the property and loan characteristics. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
10/1 Years (30 Years) Loan	6.13%	0	6.31%	30 Years
Details Rates are determined by loan amount, creditworthiness, loan-to value (LTV), loan term, occupancy status, property type, loan purpose, and lien position, so your rate could be higher. Advertised rates are based on a set of loan assumptions; 0 discounted points or fees, Purchase owner occupied primary properties, single family residence; warrantable condominiums; 2-4 unit properties; credit score 720 or higher; Loan-to-value 80% or below. Your actual rate, fees, payment, terms and costs could vary based on when your rate is locked, and according to the property and loan characteristics. Last Updated 08/28/2026 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 08/28/2026 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 Loan	-	-	5.99%	1-5 Years
Details No points or attorney fees are associated with this loan. Applicable Trust review and recording fees apply. Other restrictions may apply. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
Home Equity Loans	-	-	5.99%	1 to 10 years
No additional details. Last Updated 08/28/2026 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; is for the first twelve months Last Updated 08/28/2026 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. Applicable Trust review and recording fees apply. Other restrictions may apply. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
Home Equity Line of Credit (HELOC) HELOC (Interest Only Payment)	-	-	6.25%	Max Term - Revolving
Details 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 maximum APR of 18.00%. 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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
Home Equity Line of Credit (HELOC) Standard HELOC (Principal and Interest Payments)	-	-	6.25%	Max Term - Revolving
Details 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 maximum APR of 18.00%. 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 08/28/2026 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. Applicable Trust review and recording fees apply. Other restrictions may apply. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
Home Equity Loan	-	-	6.75%	11-15 Year
Details No points or attorney fees are associated with this loan. Applicable Trust review and recording fees apply. Other restrictions may apply. Last Updated 08/28/2026 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. Applicable Trust review and recording fees apply. Other restrictions may apply. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
Home Equity Loan	-	-	7.25%	16-20 Years
Details No points or attorney fees are associated with this loan. Applicable Trust review and recording fees apply. Other restrictions may apply. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
Home Equity Loan	-	-	7.75%	21-25 Years
Details No points or attorney fees are associated with this loan. Applicable Trust review and recording fees apply. Other restrictions may apply. Last Updated 08/28/2026 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. Applicable Trust review and recording fees apply. Other restrictions may apply. Last Updated 08/28/2026 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
New Auto Loans	-	-	4.99%	Up to 63 Months
Details New vehicle: Less than 5,000 miles. Up to 125% financing may be available. Your rate, term, and approved loan amount may vary based on your creditworthiness. 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. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
Used Auto Loans	-	-	4.99%	Up to 63 Months
Details Vehicle Year: 2022 - 2026 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
New Auto Loans	-	-	5.49%	64 - 72 Months
Details New vehicle: Less than 5,000 miles. Up to 125% financing may be available. Your rate, term, and approved loan amount may vary based on your creditworthiness. 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. 64-75-month terms available for a minimum amount financed of $15,000. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
Used Auto Loans	-	-	5.49%	64 - 72 Months
Details Vehicle Year: 2022 - 2026 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
Used Auto Loans	-	-	5.99%	Up to 63 Months
Details Vehicle Year: 2019 - 2021 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
New Auto Loans	-	-	6.24%	73 - 75 Months
Details New vehicle: Less than 5,000 miles. Up to 125% financing may be available. Your rate, term, and approved loan amount may vary based on your creditworthiness. 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. 76-84-month terms available for a minimum amount financed of $30,000. 64-75-month terms available for a minimum amount financed of $15,000. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
Used Auto Loans	-	-	6.24%	73 - 75 Months
Details Vehicle Year: 2022 - 2026 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
New Auto Loans	-	-	6.49%	76 - 84 Months
Details New vehicle: Less than 5,000 miles. Up to 125% financing may be available. Your rate, term, and approved loan amount may vary based on your creditworthiness. 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. 76-84-month terms available for a minimum amount financed of $30,000. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
Used Auto Loans	-	-	6.74%	64 - 72 Months
Details Vehicle Year: 2019 - 2021 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
Used Auto Loans	-	-	6.99%	73 - 75 Months
Details Vehicle Year: 2019 - 2021 Last Updated 08/28/2026 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 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
Personal Loans	-	9.99%
Details Maximum Loan: $25,000.00 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.94%
Personal Loans	-	11.49%
Details Maximum Loan: $25,000.00. Certain restrictions may apply for members with existing SCU personal loans. 49-60 month terms available for a minimum loan amount of $15,000. Last Updated 08/28/2026 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

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

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.