What are the current interest rates at Shoreline Credit Union?

Current rates for Shoreline Credit Union include: 12-Month CD: 3.13%, 24-Month CD: 4.01%, 60-Month CD: 3.85%, Savings: 1.32%, MMA: 3.99%

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Shoreline Credit Union

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Shoreline Credit Union Rates & Review October 2026

Q: How many branches does Shoreline Credit Union operate?

Shoreline 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.

Q: Is a member application needed to join Shoreline Credit Union?

Yes, to access services at Shoreline 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.

Q: Is there a first-time homebuyer program?

Currently, Shoreline 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Shoreline 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: October 13, 2026

Shoreline Credit Union's top rates as of October 13, 2026 are 4.01% APY on its 24 Month CDs and IRA CDs CD, 1.32% APY on savings, 3.99% APY on money market accounts, 5.74% on its Fixed-Rate Mortgage - 10 Year Fixed, personal loans from 9.99% APR, and credit cards from 15.99% APR, according to rates verified by MonitorBankRates. Other Shoreline Credit Union CD rates include 60 Month CDs and IRA CDs at 3.85%, 36 Month CDs and IRA CDs at 3.80%, and 36 Month Bump-Up Flex CD - Bump-Up Flex SC at 3.75%. Other Shoreline Credit Union mortgage rates include Adjustable Rate Mortgage (ARM) 5/1 ARM at 5.88%, Fixed-Rate Mortgage - 15 Year Fixed at 6.67%, and Adjustable Rate Mortgage (ARM) 7/1 ARM at 6.38%. MonitorBankRates evaluates the financial stability of Shoreline Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.64%. Rates last updated and verified on 10/13/2026.

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

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

2.64%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Shoreline Credit Union
Manitowoc Branch

4400 Calumet Ave
Manitowoc, WI 54220

https://www.shorelinecu.org

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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.

Shoreline Credit Union CD Rates

Product	Rate	APY	Term
24 Month Share Certificates and IRA Certificates	3.95%	4.01%	24 month
Min Deposit $1,000 Details $500 minimum deposit for custodial accounts; Membership eligibility is required; Penalty for early withdrawal is half of the interest earned over the term Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 4.01% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
60 Month Share Certificates and IRA Certificates	3.80%	3.85%	60 month
Min Deposit $1,000 Details $500 minimum deposit for custodial accounts; Membership eligibility is required; Penalty for early withdrawal is half of the interest earned over the term Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 3.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
36 Month Share Certificates and IRA Certificates	3.75%	3.80%	36 month
Min Deposit $1,000 Details $500 minimum deposit for custodial accounts; Membership eligibility is required; Penalty for early withdrawal is half of the interest earned over the term Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 3.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
36 Month Bump-Up Flex Certificate - Bump-Up Flex SC	3.70%	3.75%	36 month
Min Deposit $5,000 Details $5,000 new money. Deposit anytime.; Up to three rate-bumps over the term of the SC.; Flex Certificates are a limited time offer. Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
48 Month Share Certificates and IRA Certificates	3.60%	3.65%	48 month
Min Deposit $1,000 Details $500 minimum deposit for custodial accounts; Membership eligibility is required; Penalty for early withdrawal is half of the interest earned over the term Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 3.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
12 Month Share Certificates and IRA Certificates	3.09%	3.13%	12 month
Min Deposit $1,000 Details $500 minimum deposit for custodial accounts; Membership eligibility is required; Penalty for early withdrawal is half of the interest earned over the term Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 3.13% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
6 Month Share Certificates and IRA Certificates	2.18%	2.20%	6 month
Min Deposit $1,000 Details $500 minimum deposit for custodial accounts; Membership eligibility is required; Penalty for early withdrawal is half of the interest earned over the term Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 2.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

Shoreline Credit Union Savings Rates

Product	Rate	APY
Hometown High Yield Savings Account	-	1.32%
Min Deposit $2,500 Min Balance $2,500 Details Variable rate account; rates and APY subject to change without notice; dividends calculated and accrued daily; $2500 minimum daily balance required to earn dividends; membership eligibility required Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.32% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Hometown HYSA - High Yield Savings	1.31%	1.32%
Details Rates effective 10/13/2026 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 1.32% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Christmas Club	0.10%	0.10%
No additional details. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Saving Accounts - The Hometown Kids Club	0.10%	0.10%
Min Balance $500 Details Balance: $500-$9,999 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Saving Accounts - The Hometown Kids Club	0.05%	0.05%
Min Balance $0 Details Balance: $0-$499 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

Shoreline Credit Union Money Market Rates

Product	Rate	APY
Elite Money Market	3.93%	3.99%
Min Deposit $50,000 Min Balance $1,000,000 Details Balance: $1,000,000 and over; Average monthly balance; $50,000 minimum deposit and $5,000+ earn dividends Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.99% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Elite Money Market	2.96%	2.99%
Min Deposit $50,000 Min Balance $250,000 Details Balance: $250,000 - $999,999; Average monthly balance; $50,000 minimum deposit and $5,000+ earn dividends Last Updated 10/13/2026 Rate History No change since Oct 1, 2026 · 2.99% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Elite Money Market	1.24%	1.25%
Min Deposit $50,000 Min Balance $100,000 Details Balance: $100,000 - $249,999; Average monthly balance; $50,000 minimum deposit and $5,000+ earn dividends Last Updated 10/13/2026 Rate History No change since Oct 1, 2026 · 1.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Elite Money Market	0.90%	0.90%
Min Deposit $50,000 Min Balance $75,000 Details Balance: $75,000 - $99,999; Average monthly balance; $50,000 minimum deposit and $5,000+ earn dividends Last Updated 10/13/2026 Rate History No change since Oct 1, 2026 · 0.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Traditional Money Market	0.70%	0.70%
Min Deposit $1,000 Min Balance $75,000 Details Balance: $75,000+; Average monthly balance; $1,000 minimum deposit and $2,000+ earn dividends Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Elite Money Market	0.60%	0.60%
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 - $74,999; Average monthly balance; $50,000 minimum deposit and $5,000+ earn dividends Last Updated 10/13/2026 Rate History No change since Oct 1, 2026 · 0.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Traditional Money Market	0.60%	0.60%
Min Deposit $1,000 Min Balance $40,000 Details Balance: $40,000-$74,999; Average monthly balance; $1,000 minimum deposit and $2,000+ earn dividends Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Traditional Money Market	0.50%	0.50%
Min Deposit $1,000 Min Balance $30,000 Details Balance: $30,000-$39,999; Average monthly balance; $1,000 minimum deposit and $2,000+ earn dividends Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Traditional Money Market	0.40%	0.40%
Min Deposit $1,000 Min Balance $20,000 Details Balance: $20,000-$29,999; Average monthly balance; $1,000 minimum deposit and $2,000+ earn dividends Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Traditional Money Market	0.25%	0.25%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000-$19,999; Average monthly balance; $1,000 minimum deposit and $2,000+ earn dividends Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Elite Money Market	0.20%	0.20%
Min Deposit $50,000 Min Balance $5,000 Details Balance: $5,000 - $49,999; Average monthly balance; $50,000 minimum deposit and $5,000+ earn dividends Last Updated 10/13/2026 Rate History No change since Oct 1, 2026 · 0.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Traditional Money Market	0.10%	0.10%
Min Deposit $1,000 Min Balance $5,000 Details Balance: $5,000-$9,999; Average monthly balance; $1,000 minimum deposit and $2,000+ earn dividends Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Traditional Money Market	0.05%	0.05%
Min Deposit $1,000 Min Balance $2,000 Details Balance: $2,000-$4,999; Average monthly balance; $1,000 minimum deposit and $2,000+ earn dividends Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

Shoreline Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	0.99%	1.00%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000+; Average monthly balance; $2,000+ to earn dividends Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Business Money Market	0.50%	0.50%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000-$49,999; Average monthly balance; $2,000+ to earn dividends Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Business Money Market	0.40%	0.40%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000-$24,999; Average monthly balance; $2,000+ to earn dividends Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Business Money Market	0.25%	0.25%
Min Deposit $1,000 Min Balance $2,000 Details Balance: $2,000-$9,999; Average monthly balance; $2,000+ to earn dividends Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

Shoreline Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Fixed-Rate Mortgage - 10 Year Fixed	5.74%	-	5.792%	10 years
Details Closing costs used for a purchase assuming / A credit / <80% LTV / $160,000 loan amount Last Updated 10/13/2026 Rate History 1 change since Oct 1, 2026 · 5.94% → 5.79% ▼ 0.15 pts · high 5.94% / low 5.79% Oct 13, 20265.79%▼ from 5.94% Oct 1, 20265.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Adjustable Rate Mortgage (ARM) 5/1 ARM	5.875%	-	6.544%
Details Closing costs assume purchase, A credit, <80% LTV, $160,000 loan amount; FICO 08; Listed rates may change after the initial lock period Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.54% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Fixed-Rate Mortgage - 15 Year Fixed	6.675%	-	6.768%	15 years
Details Closing costs used for a purchase assuming / A credit / <80% LTV / $160,000 loan amount Last Updated 10/13/2026 Rate History 1 change since Oct 1, 2026 · 6.37% → 6.77% ▲ 0.39 pts · high 6.77% / low 6.37% Oct 13, 20266.77%▲ from 6.37% Oct 1, 20266.37%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Adjustable Rate Mortgage (ARM) 7/1 ARM	6.375%	-	7.049%
Details Closing costs assume purchase, A credit, <80% LTV, $160,000 loan amount; FICO 08; Listed rates may change after the initial lock period Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.05% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Adjustable Rate Mortgage (ARM) 10/1 ARM	6.74%	-	7.113%
Details Closing costs assume purchase, A credit, <80% LTV, $160,000 loan amount; FICO 08; Listed rates may change after the initial lock period Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.11% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Fixed-Rate Mortgage - 20 Year Fixed	7.125%	-	7.201%	20 years
Details Closing costs used for a purchase assuming / A credit / <80% LTV / $160,000 loan amount Last Updated 10/13/2026 Rate History 1 change since Oct 1, 2026 · 6.62% → 7.20% ▲ 0.59 pts · high 7.20% / low 6.62% Oct 13, 20267.20%▲ from 6.62% Oct 1, 20266.62%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Fixed-Rate Mortgage - 30 Year Fixed	7.375%	-	7.434%	30 years
Details Closing costs used for a purchase assuming / A credit / <80% LTV / $160,000 loan amount Last Updated 10/13/2026 Rate History 1 change since Oct 1, 2026 · 6.53% → 7.43% ▲ 0.91 pts · high 7.43% / low 6.53% Oct 13, 20267.43%▲ from 6.53% Oct 1, 20266.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

Shoreline Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	6.375%	-	6.577%	10 Year Fixed
Details Closing costs used for Second Mortgage Equity Loan / A Credit / <80% LTV / $50,000 loan amount; FICO 08 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.58% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Home Equity Loan	7.25%	-	7.852%	15 Year Fixed
Details Closing costs used for Second Mortgage Equity Loan / A Credit / <80% LTV / $50,000 loan amount; FICO 08 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.90% → 7.85% ▲ 0.95 pts · high 7.85% / low 6.90% Oct 9, 20267.85%▲ from 6.90% Sep 14, 20266.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Home Equity Loan	7.75%	-	8.081%	20 Year Fixed
Details Closing costs used for Second Mortgage Equity Loan / A Credit / <80% LTV / $50,000 loan amount; FICO 08 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.25% → 8.08% ▲ 0.83 pts · high 8.08% / low 7.25% Oct 9, 20268.08%▲ from 7.25% Sep 14, 20267.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

Shoreline Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Vehicle Loan	-	-	4.49%	24 months or less
Details As Low As; New or Used: Vehicles, Boats, RVs, On-Road Motorcycles, ATVs, Snowmobiles, Dirt Bikes, Personal Watercraft; Rate subject to loan-to-value ratios; Up to 90 day no pay available Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 4.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Vehicle Loan	-	-	4.49%	36 months
Details As Low As; New or Used: Vehicles, Boats, RVs, On-Road Motorcycles, ATVs, Snowmobiles, Dirt Bikes, Personal Watercraft; Rate subject to loan-to-value ratios; Up to 90 day no pay available Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 4.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Vehicle Loan	-	-	4.49%	48 months
Details As Low As; New or Used: Vehicles, Boats, RVs, On-Road Motorcycles, ATVs, Snowmobiles, Dirt Bikes, Personal Watercraft; Rate subject to loan-to-value ratios; Up to 90 day no pay available Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 4.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Vehicle Loan	-	-	4.49%	60 months
Details As Low As; New or Used: Vehicles, Boats, RVs, On-Road Motorcycles, ATVs, Snowmobiles, Dirt Bikes, Personal Watercraft; Rate subject to loan-to-value ratios; Up to 90 day no pay available Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 4.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Vehicle Loan	-	-	4.74%	72 months
Details As Low As; New or Used: Vehicles, Boats, RVs, On-Road Motorcycles, ATVs, Snowmobiles, Dirt Bikes, Personal Watercraft; Rate subject to loan-to-value ratios; Up to 90 day no pay available Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Vehicle Loan	-	-	5.74%	84 months
Details As Low As; New or Used: Vehicles, Boats, RVs, On-Road Motorcycles, ATVs, Snowmobiles, Dirt Bikes, Personal Watercraft; Rate subject to loan-to-value ratios; Up to 90 day no pay available Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Vehicle Loan	-	-	5.74%	120 months
Details As Low As; Boat/RV's >$40k, 100% LTV; New or Used: Vehicles, Boats, RVs, On-Road Motorcycles, ATVs, Snowmobiles, Dirt Bikes, Personal Watercraft; Rate subject to loan-to-value ratios; Up to 90 day no pay available Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 5.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Vehicle Loan	-	-	6.74%	180 months
Details As Low As; Boat/RV's >$40k, 100% LTV; New or Used: Vehicles, Boats, RVs, On-Road Motorcycles, ATVs, Snowmobiles, Dirt Bikes, Personal Watercraft; Rate subject to loan-to-value ratios; Up to 90 day no pay available Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 6.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

Shoreline Credit Union Credit Card Rates

Product	Rate	APR
Hometown Values Credit Card	-	15.99%
Details As Low As; APR posted is for credit score 776 and above; Monthly minimum payment $25 or 2.5% of balance, whichever is greater Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 15.74% → 15.99% ▲ 0.25 pts · high 15.99% / low 15.74% Sep 22, 202615.99%▲ from 15.74% Sep 14, 202615.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Hometown Rewards Credit Card with 5x Rewards	-	17.99%
Details As Low As; APR posted for credit score 776 and above; Monthly minimum payment or 2.5% of balance, whichever is greater Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 17.74% → 17.99% ▲ 0.25 pts · high 17.99% / low 17.74% Sep 22, 202617.99%▲ from 17.74% Sep 14, 202617.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

Shoreline Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loans	9.99%	24 months or less
Details APR posted is for credit score 740 and above; membership requirements apply Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

Shoreline Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Kwik Cash Loans	-	-	11.99%
Details As Low As; Unsecured; can be used for Overdraft Protection; APR posted is for credit score 740 and above; Membership requirements apply Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 11.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Bump-Up IRA	3.70%	-	3.75%	36 month
Details IRA certificate; $5,000 new money required; up to three rate-bumps over the term of the certificate; membership eligibility required Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Business Share	0.10%	-	0.10%
Min Balance $10,000 Details Balance: $10,000+; Average monthly balance Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Business Share	0.05%	-	0.05%
Min Balance $500 Details Balance: $500-$9,999; Average monthly balance Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Flex SC	2.96%	-	2.99%	3 month
Min Deposit $10,000 Details Certificates Special Offers; $10,000 new money; deposit any time; funds must be new deposits to the credit union Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.99% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Flex SC	4.11%	-	4.17%	20 month
Min Deposit $1,000 Details Certificates Special Offers; $1,000 new money; deposit any time; funds must be new deposits to the credit union Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.17% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Flex SC	3.99%	-	4.05%	60 month
Min Deposit $1,000 Details Certificates Special Offers; $1,000 new money; deposit any time; funds must be new deposits to the credit union Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Saving Accounts - Primary and Secondary	0.05%	-	0.05%
Min Balance $10,000 Details Balance: $10,000+; Average monthly balance Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Saving Accounts - Primary and Secondary	0.05%	-	0.05%
Min Balance $500 Details Balance: $500-$9,999; Average monthly balance Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Saving Accounts - Primary and Secondary	0.02%	-	0.02%
Min Balance $100 Details Balance: $100-$499; Average monthly balance Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.02% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

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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Financial Health History

Shoreline Credit Union’s Texas Ratio stayed near 2.51% in Q3 2023 to 2.64% 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; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$160M	2.64%	5.0	A+
March 31, 2026	$153M	3.11%	5.0	A+
December 31, 2025	$151M	6.17%	5.0	A
September 30, 2025	$146M	5.73%	5.0	A+
June 30, 2025	$141M	3.06%	5.0	A+
March 31, 2025	$139M	1.13%	5.0	A+
December 31, 2024	$129M	4.50%	5.0	A+
September 30, 2024	$128M	4.52%	5.0	A+
June 30, 2024	$128M	4.58%	5.0	A+
March 31, 2024	$128M	4.94%	5.0	A+
December 31, 2023	$127M	3.62%	5.0	A+
September 30, 2023	$131M	2.51%	5.0	A+

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 Shoreline 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 Shoreline 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 Shoreline Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Shoreline Credit Union

Website https://www.shorelinecu.org

Address 4400 Calumet Ave, Manitowoc, WI 54220

Phone 920-482-3700

Fax 920-482-3701

President Gretchen Bauknecht-Pech

CEO Nathan Grossenbach

Full-Time Employees 35

Part-Time Employees 2

Branch Locations 4

ATM Locations 3

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

2.64%

Return on Assets (ROA)

0.2745%

Return on Equity (ROE)

2.7120%

Non-Performing Loans Ratio (NPL)

0.38%

Total Assets

160,036,835

Total Amount of Shares and Deposits

129,723,540

Total Shares and Deposits < 1 Year

117,761,483

Total Shares and Deposits 1 3 Years

10,515,894

Total Shares and Deposits > 3 Years

1,446,163

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

10,088,761

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

10,088,761

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

119,634,779

Total Interest Expense (Sum of items 6 8)

766,344

Share Certificates

744

Number of Accounts for Share Drafts

5,962

IRA KEOGH Accounts

269

Number of Accounts for Regular Shares

11,244

All other shares

239

Non Member Deposits

Money Market Shares

226

Net Income (unless the amount is already included in Undivided Earnings)

429,432

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)

13,922,060

Total Liabilities

144,053,375

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Shoreline 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"
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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Shoreline Credit Union

How many branches does Shoreline Credit Union operate?

Shoreline 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 Shoreline Credit Union?

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

Does Shoreline Credit Union offer online and mobile banking?

Most modern institutions like Shoreline 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.shorelinecu.org.

Current Shoreline Credit Union Rates

12-Month CD3.13%
24-Month CD4.01%
60-Month CD3.85%
Savings1.32%
MMA3.99%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Shoreline Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Shoreline Credit Union Texas Ratio

Shoreline Credit Union Health Trend

Shoreline Credit Union CD Rates

Shoreline Credit Union Savings Rates

Shoreline Credit Union Money Market Rates

Shoreline Credit Union Business Money Market Rates

Shoreline Credit Union Mortgage Rates

Shoreline Credit Union Home Equity & HELOC

Shoreline Credit Union Auto Loan Rates

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Shoreline Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Shoreline Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Shoreline Credit Union

How many branches does Shoreline Credit Union operate?

Is a member application needed to join Shoreline Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Shoreline Credit Union offer online and mobile banking?

Current Shoreline Credit Union Rates

Compare to Other Credit Unions