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Shore to Shore Community Federal Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Shore to Shore Community Federal Credit Union's top rates as of October 12, 2026 are 2.95% APY on its 60 month CDs - 5 Year CD, 0.05% APY on savings, 0.75% APY on money market accounts, rv, boat and powersport loans from 5.74% APR, and credit cards from 9.99% APR, according to rates verified by MonitorBankRates. Other Shore to Shore Community Federal Credit Union CD rates include 60 month CDs - 5 Year at 2.90%, 48 month CDs - 4 Year at 2.85%, and 60 month CDs - 5 Year at 2.85%. MonitorBankRates evaluates the financial stability of Shore to Shore Community Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.97%. Rates last updated and verified on 10/12/2026.

Shore to Shore Community Federal 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 Shore to Shore Community Federal Credit Union? Share your experience about Shore to Shore Community Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Shore to Shore Community Federal Credit Union.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
1.97%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Shore to Shore Community Federal Credit Union
Main Office
4550 Division St
Trenton, MI 48183
https://www.shore2shorecu.com
Member NCUA
Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Shore to Shore Community Federal Credit Union CD Rates

Product Rate APY Term View More
60 month Certificates - 5 Year 2.95% 2.95% 60 Months
Min Balance $100,000
Details Balance: $100,000+
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 2.95% APY · checked 3 times
2.45%2.95%3.45%Oct 4, 2026: 2.95% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
60 month Certificates - 5 Year 2.90% 2.90% 60 Months
Min Balance $25,000
Details Balance: $25,000-$99,999
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 2.90% APY · checked 3 times
2.40%2.90%3.40%Oct 4, 2026: 2.90% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
48 month Certificates - 4 Year 2.85% 2.85% 48 Months
Min Balance $100,000
Details Balance: $100,000+
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 2.85% APY · checked 3 times
2.35%2.85%3.35%Oct 4, 2026: 2.85% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
60 month Certificates - 5 Year 2.85% 2.85% 60 Months
Min Balance $1,000
Details Balance: $1,000-$24,999
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 2.85% APY · checked 3 times
2.35%2.85%3.35%Oct 4, 2026: 2.85% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
48 month Certificates - 4 Year 2.80% 2.80% 48 Months
Min Balance $25,000
Details Balance: $25,000-$99,999
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 2.80% APY · checked 3 times
2.30%2.80%3.30%Oct 4, 2026: 2.80% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
48 month Certificates - 4 Year 2.75% 2.75% 48 Months
Min Balance $1,000
Details Balance: $1,000-$24,999
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Oct 4, 2026: 2.75% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
36 month Certificates - 3 Year 2.60% 2.60% 36 Months
Min Balance $100,000
Details Balance: $100,000+
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 2.60% APY · checked 3 times
2.10%2.60%3.10%Oct 4, 2026: 2.60% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
36 month Certificates - 3 Year 2.55% 2.55% 36 Months
Min Balance $25,000
Details Balance: $25,000-$99,999
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 2.55% APY · checked 3 times
2.05%2.55%3.05%Oct 4, 2026: 2.55% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
36 month Certificates - 3 Year 2.50% 2.50% 36 Months
Min Balance $1,000
Details Balance: $1,000-$24,999
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 2.50% APY · checked 3 times
2.00%2.50%3.00%Oct 4, 2026: 2.50% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
24 month Certificates - 2 Year 2.40% 2.40% 24 Months
Min Balance $100,000
Details Balance: $100,000+
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 2.40% APY · checked 3 times
1.90%2.40%2.90%Oct 4, 2026: 2.40% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
12 month Certificates - 1 Year 2.35% 2.35% 12 Months
Min Balance $100,000
Details Balance: $100,000+
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 2.35% APY · checked 3 times
1.85%2.35%2.85%Oct 4, 2026: 2.35% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
24 month Certificates - 2 Year 2.35% 2.35% 24 Months
Min Balance $25,000
Details Balance: $25,000-$99,999
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 2.35% APY · checked 3 times
1.85%2.35%2.85%Oct 4, 2026: 2.35% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
12 month Certificates - 1 Year 2.30% 2.30% 12 Months
Min Balance $25,000
Details Balance: $25,000-$99,999
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 2.30% APY · checked 3 times
1.80%2.30%2.80%Oct 4, 2026: 2.30% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
24 month Certificates - 2 Year 2.30% 2.30% 24 Months
Min Balance $1,000
Details Balance: $1,000-$24,999
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 2.30% APY · checked 3 times
1.80%2.30%2.80%Oct 4, 2026: 2.30% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
12 month Certificates - 1 Year 2.25% 2.25% 12 Months
Min Balance $1,000
Details Balance: $1,000-$24,999
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 2.25% APY · checked 3 times
1.75%2.25%2.75%Oct 4, 2026: 2.25% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Certificates - 6 Month 2.10% 2.10% 6 Months
Min Balance $100,000
Details Balance: $100,000+
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 2.10% APY
1.60%2.10%2.60%Oct 12, 2026: 2.10% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Certificates - 6 Month 2.05% 2.05% 6 Months
Min Balance $25,000
Details Balance: $25,000-$99,999
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 2.05% APY
1.55%2.05%2.55%Oct 12, 2026: 2.05% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Certificates - 6 Month 2.00% 2.00% 6 Months
Min Balance $1,000
Details Balance: $1,000-$24,999
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 12, 2026: 2.00% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Certificates - 3 Month 1.60% 1.60% 3 Months
Min Balance $100,000
Details Balance: $100,000+
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 1.60% APY
1.10%1.60%2.10%Oct 12, 2026: 1.60% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Certificates - 3 Month 1.55% 1.55% 3 Months
Min Balance $25,000
Details Balance: $25,000-$99,999
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 1.55% APY
1.05%1.55%2.05%Oct 12, 2026: 1.55% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Certificates - 3 Month 1.50% 1.50% 3 Months
Min Balance $1,000
Details Balance: $1,000-$24,999
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 1.50% APY
1.00%1.50%2.00%Oct 12, 2026: 1.50% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%

Shore to Shore Community Federal Credit Union Savings Rates

Product Rate APY View More
Holiday Club 0.05% 0.05%
Details Effective Date: Monday, October 12th, 2026
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 12, 2026: 0.05% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Regular Savings 0.05% 0.05%
Details Effective Date: Monday, October 12th, 2026
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 12, 2026: 0.05% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Secondary Savings 0.05% 0.05%
Details Effective Date: Monday, October 12th, 2026
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 12, 2026: 0.05% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%

Shore to Shore Community Federal Credit Union Money Market Rates

Product Rate APY View More
Money Market 0.75% 0.75%
Min Balance $75,000
Details Balance: $75,000 and over; Effective Date: Monday, October 12th, 2026
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 12, 2026: 0.75% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Money Market 0.65% 0.65%
Min Balance $20,000
Details Balance: $20,000-$74,999; Effective Date: Monday, October 12th, 2026
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.65% APY · checked 4 times
0.15%0.65%1.15%Sep 25, 2026: 0.65% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Money Market 0.55% 0.55%
Min Balance $2,500
Details Balance: Minimum $2500; Effective Date: Monday, October 12th, 2026
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.55% APY · checked 5 times
0.05%0.55%1.05%Sep 12, 2026: 0.55% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%

Shore to Shore Community Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Loans - - 6.00% 60 Months
Details As Low As; Effective Date: Monday, October 12th, 2026
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 6.00% APR · checked 9 times
5.50%6.00%6.50%Sep 12, 2026: 6.00% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Home Equity Loans - - 6.25% 120 Months
Details As Low As; Effective Date: Monday, October 12th, 2026
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 6.25% APR · checked 9 times
5.75%6.25%6.75%Sep 12, 2026: 6.25% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Home Equity Loans - - 6.50% 180 Months
Details As Low As; Effective Date: Monday, October 12th, 2026
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 6.50% APR · checked 9 times
6.00%6.50%7.00%Sep 12, 2026: 6.50% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%

Shore to Shore Community Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Autos - - 4.24% 48 Months
Details As Low As; Effective Date: Monday, October 12th, 2026; Term shows maximum number of months for loan
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 4.24% APR · checked 8 times
3.74%4.24%4.74%Sep 12, 2026: 4.24% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Vehicle Loans - New Autos - - 4.24% 48 Months
Details As Low As; Category: New Autos
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 4.24% APR
3.74%4.24%4.74%Oct 12, 2026: 4.24% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
New Autos - - 4.74% 60 Months
Details As Low As; Effective Date: Monday, October 12th, 2026; Term shows maximum number of months for loan
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 4.74% APR · checked 8 times
4.24%4.74%5.24%Sep 12, 2026: 4.74% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Vehicle Loans - New Autos - - 4.74% 60 Months
Details As Low As; Category: New Autos
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 4.74% APR
4.24%4.74%5.24%Oct 12, 2026: 4.74% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
New Autos - - 4.99% 72 Months
Details As Low As; Effective Date: Monday, October 12th, 2026; Term shows maximum number of months for loan
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 4.99% APR · checked 8 times
4.49%4.99%5.49%Sep 12, 2026: 4.99% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Used Auto 2021 & newer - - 4.99% 36 Months
Details As Low As; Effective Date: Monday, October 12th, 2026; Term shows maximum number of months for loan
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Oct 8, 2026: 4.99% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Used Auto 2021 & newer - - 4.99% 48 Months
Details As Low As; Effective Date: Monday, October 12th, 2026; Term shows maximum number of months for loan
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Oct 8, 2026: 4.99% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Used Auto 2021 & newer - - 4.99% 60 Months
Details As Low As; Effective Date: Monday, October 12th, 2026; Term shows maximum number of months for loan
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Oct 8, 2026: 4.99% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Used Auto 2021 & newer - - 4.99% 66 Months
Details As Low As; Effective Date: Monday, October 12th, 2026; Term shows maximum number of months for loan
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Oct 8, 2026: 4.99% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Vehicle Loans - New Autos - - 4.99% 72 Months
Details As Low As; Category: New Autos
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 12, 2026: 4.99% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Vehicle Loans - Used Auto 2021 & newer - - 4.99% 36 Months
Details As Low As; Category: Used Auto 2021 & newer
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 12, 2026: 4.99% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Vehicle Loans - Used Auto 2021 & newer - - 4.99% 48 Months
Details As Low As; Category: Used Auto 2021 & newer
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 12, 2026: 4.99% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Vehicle Loans - Used Auto 2021 & newer - - 4.99% 60 Months
Details As Low As; Category: Used Auto 2021 & newer
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 12, 2026: 4.99% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Vehicle Loans - Used Auto 2021 & newer - - 4.99% 66 Months
Details As Low As; Category: Used Auto 2021 & newer
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 12, 2026: 4.99% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
New Autos - - 5.24% 84 Months
Details As Low As; Effective Date: Monday, October 12th, 2026; Term shows maximum number of months for loan
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 5.24% APR · checked 8 times
4.74%5.24%5.74%Sep 12, 2026: 5.24% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Vehicle Loans - New Autos - - 5.24% 84 Months
Details As Low As; Category: New Autos
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 12, 2026: 5.24% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Used Auto 2017 - 2020 - - 5.29% 36 Months
Details As Low As; Effective Date: Monday, October 12th, 2026; Term shows maximum number of months for loan
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 5.29% APR · checked 2 times
4.79%5.29%5.79%Oct 8, 2026: 5.29% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Vehicle Loans - Used Auto 2017 - 2020 - - 5.29% 36 Months
Details As Low As; Category: Used Auto 2017 - 2020
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.29% APR
4.79%5.29%5.79%Oct 12, 2026: 5.29% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Used Auto 2017 - 2020 - - 5.79% 48 Months
Details As Low As; Effective Date: Monday, October 12th, 2026; Term shows maximum number of months for loan
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 5.79% APR · checked 2 times
5.29%5.79%6.29%Oct 8, 2026: 5.79% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Vehicle Loans - Used Auto 2017 - 2020 - - 5.79% 48 Months
Details As Low As; Category: Used Auto 2017 - 2020
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.79% APR
5.29%5.79%6.29%Oct 12, 2026: 5.79% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Classic Cars Loan - - 6.79% 60 Months
Details As Low As; Effective Date: Monday, October 12th, 2026; Term shows maximum number of months for loan
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 6.79% APR · checked 8 times
6.29%6.79%7.29%Sep 12, 2026: 6.79% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Used Auto 2016 & older - - 6.79% 36 Months
Details As Low As; Effective Date: Monday, October 12th, 2026; Term shows maximum number of months for loan
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 6.79% APR · checked 2 times
6.29%6.79%7.29%Oct 8, 2026: 6.79% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Vehicle Loans - Classic Cars - - 6.79% 60 Months
Details As Low As; Category: Classic Cars
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.79% APR
6.29%6.79%7.29%Oct 12, 2026: 6.79% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Vehicle Loans - Used Auto 2016 & older - - 6.79% 36 Months
Details As Low As; Category: Used Auto 2016 & older
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.79% APR
6.29%6.79%7.29%Oct 12, 2026: 6.79% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%

Shore to Shore Community Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Other Recreational - Motorcycles, Personal Watercraft & ATVs Loan - 5.74% 36 Months
Details As Low As; Effective Date: Monday, October 12th, 2026
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 5.74% APR · checked 8 times
5.24%5.74%6.24%Sep 12, 2026: 5.74% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Recreational Vehicles - Boats, RV's, Campers & Travel Trailers Loan - 5.74% 60 Months
Details As Low As; Year: New; Subject to credit approval; New boats and travel homes may require 10% down
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 5.74% APR · checked 3 times
5.24%5.74%6.24%Oct 4, 2026: 5.74% APROct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Other Recreational - Motorcycles, Personal Watercraft & ATVs Loan - 5.99% 48 Months
Details As Low As; Effective Date: Monday, October 12th, 2026
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 5.99% APR · checked 8 times
5.49%5.99%6.49%Sep 12, 2026: 5.99% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Other Recreational - Motorcycles, Personal Watercraft & ATVs Loan - 6.24% 60 Months
Details As Low As; Effective Date: Monday, October 12th, 2026
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 6.24% APR · checked 8 times
5.74%6.24%6.74%Sep 12, 2026: 6.24% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Recreational Vehicles - Boats, RV's, Campers & Travel Trailers Loan - 6.24% 60 Months
Details As Low As; Year: 2017 or newer; Subject to credit approval
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 6.24% APR · checked 3 times
5.74%6.24%6.74%Oct 4, 2026: 6.24% APROct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Recreational Vehicles - Boats, RV's, Campers & Travel Trailers Loan - 6.74% 120 Months
Details As Low As; Year: New; Minimum amount $15,000; Subject to credit approval; New boats and travel homes may require 10% down
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 6.74% APR · checked 3 times
6.24%6.74%7.24%Oct 4, 2026: 6.74% APROct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Recreational Vehicles - Boats, RV's, Campers & Travel Trailers Loan - 6.74% 180 Months
Details As Low As; Year: New; Minimum amount $25,000; Subject to credit approval; New boats and travel homes may require 10% down
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 6.74% APR · checked 3 times
6.24%6.74%7.24%Oct 4, 2026: 6.74% APROct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Recreational Vehicles - Boats, RV's, Campers & Travel Trailers Loan - 6.74% 60 Months
Details As Low As; Year: 2016 & Older; Subject to credit approval
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 6.74% APR · checked 3 times
6.24%6.74%7.24%Oct 4, 2026: 6.74% APROct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Recreational Vehicles - Boats, RV's, Campers & Travel Trailers Loan - 7.24% 120 Months
Details As Low As; Year: 2017 or newer; Minimum amount $15,000; Subject to credit approval
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 7.24% APR · checked 3 times
6.74%7.24%7.74%Oct 4, 2026: 7.24% APROct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Recreational Vehicles - Boats, RV's, Campers & Travel Trailers Loan - 7.74% 180 Months
Details As Low As; Year: 2017 or newer; Minimum amount $25,000; Subject to credit approval
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 7.74% APR · checked 3 times
7.24%7.74%8.24%Oct 4, 2026: 7.74% APROct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Recreational Vehicles - Boats, RV's, Campers & Travel Trailers Loan - 8.24% 120 Months
Details As Low As; Year: 2016 & Older; Minimum amount $15,000; Subject to credit approval
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 8.24% APR · checked 3 times
7.74%8.24%8.74%Oct 4, 2026: 8.24% APROct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Recreational Vehicles - Boats, RV's, Campers & Travel Trailers Loan - 8.74% 180 Months
Details As Low As; Year: 2016 & Older; Minimum amount $25,000; Subject to credit approval
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 8.74% APR · checked 3 times
8.24%8.74%9.24%Oct 4, 2026: 8.74% APROct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%

Shore to Shore Community Federal Credit Union Credit Card Rates

Product Rate APR View More
VISA - 9.99%
Details As Low As; Effective Date: Monday, October 12th, 2026
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 9.99% APR · checked 8 times
9.49%9.99%10.49%Sep 12, 2026: 9.99% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%

Shore to Shore Community Federal Credit Union Personal Loan Rates

Product APR Term View More
Other Recreational - Motorcycles, Personal Watercraft & ATVs Loan 5.74% 36 Months
Details As Low As; Effective Date: Monday, October 12th, 2026
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 5.74% APR · checked 8 times
5.24%5.74%6.24%Sep 12, 2026: 5.74% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Other Recreational - Motorcycles, Personal Watercraft & ATVs Loan 5.99% 48 Months
Details As Low As; Effective Date: Monday, October 12th, 2026
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 5.99% APR · checked 8 times
5.49%5.99%6.49%Sep 12, 2026: 5.99% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Other Recreational - Motorcycles, Personal Watercraft & ATVs Loan 6.24% 60 Months
Details As Low As; Effective Date: Monday, October 12th, 2026
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 6.24% APR · checked 8 times
5.74%6.24%6.74%Sep 12, 2026: 6.24% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Unsecured Closed End Loan 7.99% 24 Months
Details As Low As; Personal Loans; Subject to credit approval and credit score
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 7.99% APR · checked 7 times
7.49%7.99%8.49%Sep 17, 2026: 7.99% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Unsecured Closed End Loan 10.99% 48 Months
Details As Low As; Personal Loans; Subject to credit approval and credit score
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 10.99% APR · checked 7 times
10.49%10.99%11.49%Sep 17, 2026: 10.99% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Unsecured Closed End Loan 11.99% 60 Months
Details As Low As; Personal Loans; Subject to credit approval and credit score
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 11.99% APR · checked 7 times
11.49%11.99%12.49%Sep 17, 2026: 11.99% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%

Shore to Shore Community Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
Mobile Homes (Primary Residence) - 120 Months Loan - - 7.49% 120 Months
Details As low as; A 25% down payment is required on all Mobile Homes; Effective Date: Monday, October 12th, 2026
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 7.49% APR · checked 9 times
6.99%7.49%7.99%Sep 12, 2026: 7.49% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Mobile Homes (Primary Residence) - 180 Months Loan - - 8.24% 180 Months
Details As low as; A 25% down payment is required on all Mobile Homes; Effective Date: Monday, October 12th, 2026
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 8.24% APR · checked 9 times
7.74%8.24%8.74%Sep 12, 2026: 8.24% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Mobile Homes (Primary Residence) - 72 Months Loan - - 6.24% 72 Months
Details As low as; A 25% down payment is required on all Mobile Homes; Effective Date: Monday, October 12th, 2026
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 6.24% APR · checked 9 times
5.74%6.24%6.74%Sep 12, 2026: 6.24% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Mobile Homes (Primary Residence) Loan - - 6.24% 72 Months
Details As Low As; Primary Residence; 25% down payment required on all Mobile Homes; subject to credit approval and credit score
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 6.24% APR · checked 2 times
5.74%6.24%6.74%Sep 12, 2026: 6.24% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Mobile Homes (Primary Residence) Loan - - 7.49% 120 Months
Details As Low As; Primary Residence; 25% down payment required on all Mobile Homes; subject to credit approval and credit score
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 7.49% APR · checked 2 times
6.99%7.49%7.99%Sep 12, 2026: 7.49% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Mobile Homes (Primary Residence) Loan - - 8.24% 180 Months
Details As Low As; Primary Residence; 25% down payment required on all Mobile Homes; subject to credit approval and credit score
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 8.24% APR · checked 2 times
7.74%8.24%8.74%Sep 12, 2026: 8.24% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Revolving Line of Credit - - 12.00%
Details As Low As; Personal Loans
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 12.00% APR · checked 8 times
11.50%12.00%12.50%Sep 12, 2026: 12.00% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
IRA 0.50% - 0.50%
Details IRA = Individual Retirement Account; Effective Date: Monday, October 12th, 2026
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 12, 2026: 0.50% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
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Financial Health History

Shore to Shore Community Federal Credit Union’s Texas Ratio stayed near 1.93% in Q3 2023 to 1.97% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 2% 2.0★ 4.1% 3.0★ 6.1% 4.0★ 8.2% 5.0★ Healthy zone – entire history below the 15% limit 1.93% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A Q2 2025 A Q3 2025 A+ Q4 2025 A+ Q1 2026 1.97% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$85M1.97%5.0A+
March 31, 2026$85M1.91%5.0A+
December 31, 2025$82M3.92%5.0A+
September 30, 2025$82M6.03%5.0A
June 30, 2025$83M6.07%5.0A
March 31, 2025$84M5.26%5.0A+
December 31, 2024$82M3.75%5.0A+
September 30, 2024$82M3.44%5.0A+
June 30, 2024$85M3.46%5.0A+
March 31, 2024$83M0.96%5.0A+
December 31, 2023$79M4.36%5.0A+
September 30, 2023$82M1.93%5.0A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Shore to Shore Community Federal 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 Shore to Shore Community Federal 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 Shore to Shore Community Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Shore to Shore Community Federal Credit Union
Website https://www.shore2shorecu.com
Address 4550 Division St, Trenton, MI 48183
Phone 734-675-3100
Fax 734-675-4204
President Richard Savage
CEO Jennifer Guest
Full-Time Employees 15
Part-Time Employees 2
Branch Locations 2
ATM Locations 2
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
1.97%
Return on Assets (ROA)
0.8042%
Return on Equity (ROE)
6.6833%
Non-Performing Loans Ratio (NPL)
0.73%
Total Assets
85,050,462
Total Amount of Shares and Deposits
74,228,102
Total Shares and Deposits < 1 Year
73,969,968
Total Shares and Deposits 1 3 Years
162,705
Total Shares and Deposits > 3 Years
95,429
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,871,091
Total Uninsured Shares and Deposits > $250K (F+J)
3,871,091
Total Insured Shares and Deposits > $250K (item 17 less item K)
70,357,011
Total Interest Expense (Sum of items 6 8)
69,939
Share Certificates
182
Number of Accounts for Share Drafts
3,645
IRA KEOGH Accounts
97
Number of Accounts for Regular Shares
6,643
Money Market Shares
162
Net Income (unless the amount is already included in Undivided Earnings)
684,014
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)
9,413,211
Total Liabilities
74,850,666
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Shore to Shore Community Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Shore to Shore Community Federal Credit Union yet. Feel free to create one below.
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Shore to Shore Community Federal Credit Union

How many branches does Shore to Shore Community Federal Credit Union operate?

Shore to Shore Community Federal 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 Shore to Shore Community Federal Credit Union?

Yes, to access services at Shore to Shore Community Federal 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, Shore to Shore Community Federal 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, Shore to Shore Community Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Shore to Shore Community Federal Credit Union offer online and mobile banking?

Most modern institutions like Shore to Shore Community Federal 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.shore2shorecu.com.

Current Shore to Shore Community Federal Credit Union Rates

  • 12-Month CD2.25%
  • 24-Month CD2.30%
  • 60-Month CD2.85%
  • Savings0.05%
  • MMA0.75%
Retrieved from our database of financial products. Rates subject to change.

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