Loan Rates
All rates are subject to change. Effective date: 11/02/2024
Loans and Credit Cards
Vehicle Rates
Up to 90 day no pay available.***
New or Used: Vehicles, Boats, RVs, On-Road Motorcycles, ATVs, Snowmobiles, Dirt Bikes, Personal Watercraft
Term | APR Rate | Monthly Payment** |
---|---|---|
(as low as)* | ||
24 mo. or less | 5.24% | $43.98 |
36 mo. | 5.24% | $30.08 |
48 mo. | 5.24% | $23.14 |
60 mo. | 5.24% | $18.98 |
72 mo. | 5.49% | $16.33 |
84 mo. | 6.99% | $15.09 |
120 mo. (Boat/RV’s >$40k, 100% LTV) | 6.99% | $11.61 |
180 mo. (Boat/RV’s >$40k, 100% LTV) | 7.99% | $9.55 |
*Rate subject to loan-to-value ratios. All rates subject to change. Membership Eligibility Required. Loan terms and conditions are based on credit qualifications, relationship and approval.
** Monthly payment is based on payment per $1,000 borrowed for rate and term. Rates effective as of 11/02/2024. Rates, terms, and conditions are subject to change without notice.
*** This offer applies to all consumer closed end loans. Loan terms and conditions are based on credit qualifications, relationship, and approval. Rates, terms, and conditions are subject to change. Interest will begin to accrue from the date of loan disbursal and will be amortized over the monthly loan payments. Up to 90 days no pay with approved credit. Membership eligibility required. Mortgage loans not included in this program.
Personal and Kwik Cash Rates
Personal Loans
As a member of Shoreline Credit Union, you may borrow with or without collateral for debt consolidation, a vacation, medical expenses or any worthwhile purpose.
Term | APR Rate* | Monthly Payment*** |
---|---|---|
(as low as**) | ||
24 months or less | 9.99% | $46.14 |
Kwik Cash Loans
Kwik Cash Loans are quick and convenient! These loans are unsecured and can be used for your Overdraft Protection.
APR Rate* | Monthly Payment*** |
---|---|
(As low as**) | |
11.99% | $47.07 |
*Loans are subject to credit approval. Membership requirements apply. **APR posted is for credit score 740 and above. ***Monthly payment is based on payment per $1,000 borrowed for rate and term. Rates effective as of 09/09/2022. All rates subject to change. Other terms may be available.
Credit Card Rates
Hometown Rewards Credit Card with 5x Rewards
APR Rate* | Monthly Payment*** |
---|---|
(As low as**) | |
18.99% | $20 |
Hometown Values Credit Card
APR Rate* | Monthly Payment*** |
---|---|
(As low as**) | |
16.99% | $25 |
*Credit Cards are subject to credit approval. Membership requirements apply. *APR posted is for credit score 776 and above. **Monthly minimum payment or it is based off of 2.5% of balance on Credit Card for rate, whichever is greater. Rates effective as of 11/02/2024. All rates subject to change. Other terms may be available.
Mortgage Rates
Fixed-Rate Mortgage Rates
Closing costs used for a purchase assuming / A credit / <80% LTV / $160,000 loan amount.
Term | Rate | APR | Monthly Payment |
---|---|---|---|
30 Year Fixed | 6.500% | 6.613% | $1,011.31 |
20 Year Fixed – In House | 6.240% | 6.313% | $1,168.55 |
15 Year Fixed | 6.375% | 6.560% | $1,382.80 |
10 Year Fixed – In House | 5.875% | 5.928% | $1,766.30 |
Membership requirements apply. Loans subject to credit and collateral approval. Equal Housing Opportunity. Rates effective as of 11/02/2024. All rates subject to change. *FICO 08
Adjustable Rate Mortgage (ARM) Rates
Closing costs used for a purchase assuming / A credit / <80% LTV / $160,000 loan amount.
Term | Rate | APR | Payment |
---|---|---|---|
5/1 ARM | 5.875% | 6.996% | $946.95 |
7/1 ARM | 5.990% | 6.850% | $958.75 |
10/1 ARM | 6.240% | 6.781% | $984.63 |
Listed rates may change after the initial lock period. Membership requirements apply. Loans subject to credit and collateral approval. Equal Housing Opportunity. Rates effective as of 11/02/2024. All rates subject to change. *FICO 08
Fixed-Rate Secondary Mortgage Rates
Closing Costs used for Second Mortgage Equity Loan / A Credit / <80% LTV / $50,000 loan amount.
Term | Rate | APR | Monthly Payment |
---|---|---|---|
20 Year Fixed | 6.875% | 6.974% | $369.12 |
15 Year Fixed | 6.250% | 6.371% | $424.71 |
10 Year Fixed | 6.500% | 6.671% | $567.74 |
Membership requirements apply. Loans subject to credit and collateral approval. Equal Housing Opportunity. Rates effective as of 11/02/2024. All rates subject to change. *FICO 08
Home Equity Line of Credit Rates
Loan-to-Value | 740> Credit Grade* | 739-680 Credit Grade* | 679-640 Credit Grade* |
---|---|---|---|
80% or Less | Prime | Prime + .25 | Prime + .50 |
80.01% – 90.00% | Prime + 1.00 | Prime + 1.25 | Prime + 1.50 |
Membership requirements apply. Loans subject to credit and collateral approval. Equal Housing Opportunity. Rates effective as of 11/02/2024. All rates subject to change. *FICO 08
Deposit Rates
All rates are subject to change. Effective date: 11/02/2024
Savings and Checking
Savings Accounts
Saving Accounts | Dividend Rate | Annual Percentage Yield |
---|---|---|
Primary and Secondary (Average monthly balance) | ||
$10,000+ | 0.05% | 0.05% |
$500-$9,999 | 0.05% | 0.05% |
$100-$499 | 0.02% | 0.02% |
The Hometown Kids Club | ||
$500-$9,999 | 0.10% | 0.10% |
$0-$499 | 0.05% | 0.05% |
Christmas Club | 0.10% | 0.10% |
Checking
Checking Accounts | Dividend Rate | Annual Percentage Yield |
---|---|---|
Hometown Cash Back Checking | 4.89% | 5.00% |
Worry-Free™ Hometown Checking | 0.00% | 0.00% |
FreshStart™ Checking | 0.00% | 0.00% |
Traditional Money Market
Traditional Money Market (Average monthly balance) | Dividend Rate | Annual Percentage Yield |
---|---|---|
$75,000+ | 0.70% | 0.70% |
$40,000-$74,999 | 0.60% | 0.60% |
$30,000-$39,999 | 0.50% | 0.50% |
$20,000-$29,999 | 0.40% | 0.40% |
$10,000-$19,999 | 0.25% | 0.25% |
$5,000-$9,999 | 0.10% | 0.10% |
$2,000-$4,999 | 0.05% | 0.05% |
$1,000 minimum deposit and $2,000+ earn dividends
Elite Money Market
Elite Money Market (Average monthly balance) | Dividend Rate | Annual Percentage Yield |
---|---|---|
$1,000,000+ | 3.93% | 4.00% |
$250,000-$999,999 | 2.96% | 3.00% |
$100,000-$249,999 | 1.24% | 1.25% |
$75,000-$99,999 | 0.90% | 0.90% |
$50,000-$74,999 | 0.60% | 0.60% |
$5,000-$49,999 | 0.20% | 0.20% |
$50,000 minimum deposit and $5,000+ earn dividends.
Certificates
Special Offers
Dividend Rate | Annual Percentage Yield | |
---|---|---|
Flex SC $10,000 new money*. Deposit any time. | ||
3 month | 4.65% | 4.76% |
Flex SC $1,000 new money*. Deposit any time. | ||
20 month | 4.00% | 4.08% |
60 month | 4.05% | 4.13% |
*Funds must be new deposits to the credit union. Money cannot be drawn from existing balances or certificates already held here. Promotion is subject to change at any time without notice. Contact credit union for complete details.
Membership eligibility is required. Certain restrictions apply. APR= Annual Percentage Rate. APY = Annual Percentage Yield. APY and offer are subject to change without notice. Interest is calculated on average daily balance and is credited quarterly. Flex Certificates are a limited time offer. Penalty for early withdrawal on all Share Certificates is half of the interest that is earned over the term of the certificate. See your Shoreline representative for more details.
Bump-Up Flex Certificate
Dividend Rate | Annual Percentage Yield | |
---|---|---|
Bump-Up Flex SC* $5,000 new money. Deposit anytime. | ||
36 month | 3.75% | 3.82% |
*Up to three rate-bumps over the term of the SC.
Membership eligibility is required. Certain restrictions apply. APR= Annual Percentage Rate. APY = Annual Percentage Yield. APY and offer are subject to change without notice. Interest is calculated on average daily balance and is credited quarterly. Flex Certificates are a limited time offer. Penalty for early withdrawal on all Share Certificates is half of the interest that is earned over the term of the certificate. See your Shoreline representative for more details.
Bump-up IRA Certificate
Dividend Rate | Annual Percentage Yield | |
---|---|---|
Bump-Up IRA* $5,000 new money. | ||
36 month | 3.75% | 3.82% |
*Up to three rate-bumps over the term of the SC.
Membership eligibility is required. Certain restrictions apply. APR= Annual Percentage Rate. APY = Annual Percentage Yield. APY and offer are subject to change without notice. Interest is calculated on average daily balance and is credited quarterly. Penalty for early withdrawal on all Share Certificates is half of the interest that is earned over the term of the certificate. See your Shoreline representative for more details.
Current Offers
Share Certificates and IRA Certificates* | Dividend Rate | Annual Percentage Yield |
---|---|---|
6 month | 2.24% | 2.27% |
12 month | 3.09% | 3.14% |
24 month | 3.95% | 4.03% |
36 month | 3.80% | 3.87% |
48 month | 3.75% | 3.82% |
60 month | 3.95% | 4.03% |
*$1,000 minimum deposit, $500 minimum deposit custodial accounts.
Membership eligibility is required. Certain restrictions apply. APR= Annual Percentage Rate. APY = Annual Percentage Yield. APY and offer are subject to change without notice. Interest is calculated on average daily balance and is credited quarterly. Penalty for early withdrawal on all Share Certificates is half of the interest that is earned over the term of the certificate. See your Shoreline representative for more details.
Business Deposit Rates
Business Savings
Business Share (Average monthly balance) | Dividend Rate | Annual Percentage Yield |
---|---|---|
$10,000+ | 0.10% | 0.10% |
$500-$9,999 | 0.05% | 0.05% |
$100-$499 | 0.00% | 0.00% |
Interest on all accounts is accrued average daily and all rates are subject to change.
Business Checking
Business Checking Accounts | Dividend Rate | Annual Percentage Yield |
---|---|---|
Basic Business Checking | 0.00% | 0.00% |
Civic/Community Checking | 0.00% | 0.00% |
Interest on all accounts is accrued average daily and all rates are subject to change.
Business Money Market
Business Money Market (Average monthly balance) | Dividend Rate* | Annual Percentage Yield |
---|---|---|
$50,000+ | 0.99% | 1.00% |
$25,000-$49,999 | 0.50% | 0.50% |
$10,000-$24,999 | 0.40% | 0.40% |
$2,000-$9,999 | 0.25% | 0.25% |