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Rates

Certificates & IRAs Deposit Vehicle Mortgage & Equity Rates Credit Cards Personal Business

Certificate and IRA Rates

All rates are subject to change. Effective date: January 1, 2024

Special Offers

Dividend Rate Annual Percentage Yield
Flex SC $10,000 new money*. Deposit any time.
3 month 5.21% 5.35%
Flex SC $1,000 new money*. Deposit any time.
20 month 3.92% 4.00%
60 month 3.50% 3.56%

*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.

Dividend Rate Annual Percentage Yield
Bump-Up Flex SC*
$5,000 new money. Deposit anytime.
36 month 2.70% 2.74%

 

Dividend Rate Annual Percentage Yield
Bump-Up IRA*
$5,000 new money.
36 month 2.70% 2.74%

*Up to three rate-bumps over the term of the SC

Current Offers

Dividend Rate Annual Percentage Yield
Share Certificates and IRAs
$1,000 minimum deposit
$500 minimum deposit custodial accounts
6 month 1.25% 1.26%
12 month 1.80% 1.82%
24 month 2.30% 2.33%
36 month 2.81% 2.85%
48 month 2.66% 2.70%
60 month 2.90% 2.94%
IRA Variable Rate Savings 0.10% 0.10%

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.

Federally insured by NCUA.

Deposit Rates

Current Savings, Share Draft, Money Market & HSA Rates

All rates are subject to change. Effective date: October 1, 2023

Dividend Rate Annual Percentage Yield
Share Draft Accounts (Checking)
Hometown Cash Back Checking 4.89% 5.00%
Health Savings Account (HSA)
$25,000+ 0.30% 0.30%
$10,000-$24,999 0.20% 0.20%
$2,500-$9,999 0.15% 0.15%
$100-$2,499 0.10% 0.10%

 

Dividend Rate Annual Percentage Yield
Money Market Accounts
Traditional Money Market (Average monthly balance)
$1,000 minimum deposit and $2,000+ earn dividends
$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%

 

Dividend Rate Annual Percentage Yield
Elite Money Market (Average monthly balance)
$50,000 minimum deposit and $5,000+ earn dividends
$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%

 

Dividend Rate Annual Percentage Yield
Saving Accounts
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%
Interest on all accounts is accrued average daily and all rates are subject to change.
Federally insured by NCUA.

Vehicle Loans

NEW OR USED, TITLED/NON-TITLED VEHICLE LOAN RATES

Up to 90 day no pay available.***

Vehicles, Boats, RVs, On-Road Motorcycles, ATVs, Snowmobiles, Dirt Bikes, Personal Watercraft

Term APR Rate Monthly Payment**
(up to) (as low as)*
24 mo. or less 5.99% $44.79
36 mo. 5.99% $30.94
48 mo. 5.99% $24.01
60 mo. 5.99% $19.87
72 mo. 7.14% $17.12
84 mo. 8.49% $15.83
120 mo. (Boat/RV’s >$40k, 100% LTV) 9.24% $12.80
180 mo. (Boat/RV’s >$40k, 100% LTV) 10.24% $10.89

 

*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 11/27/2023.  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. 

Federally insured by NCUA.

Mortgage Loans

Adjustable Rate Mortgage (ARM) Rates

Closing costs used for a purchase assuming / A credit / <80% LTV / $100,000 loan amount.

Term Rate APR Payment
5/1 ARM 6.49% 7.273% $631.76
7/1 ARM 6.74% 7.270% $648.30
10/1 ARM 6.99% 7.311% $665.01
Listed rates may change after the initial lock period.

Fixed-Rate Mortgage Rates

Closing costs used for a purchase assuming / A credit / <80% LTV / $100,000 loan amount.

Term Rate APR Monthly Payment
30 Year Fixed 7.000% 7.173% $665.30
20 Year Fixed 7.250% 7.479% $790.38
15 Year Fixed 6.500% 6.773% $871.11
10 Year Fixed 6.500% 6.884% $1,135.48
7 Year Fixed – In House 6.490% 6.899% $1,484.46

Closing Costs used for Second Mortgage Equity Loan / A Credit / <80% LTV / $50,000 loan amount.

Term Rate APR Monthly Payment
20 Year Fixed 7.375% 7.519% $399.07
15 Year Fixed 7.250% 7.425% $456.49
10 Year Fixed 7.125% 7.366% $583.80

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 4/18/2024. All rates subject to change. *FICO 08
Federally insured by NCUA.

Shoreline Hometown Rewards Credit Card

Earn Rewards Points on every purchase, and earn 2X Rewards Points at participating Hometown Businesses. Enjoy no annual fee, and no balance transfer fee!

APR Rate Monthly Payment**
(As low as*)
19.49% $20

 

Shoreline Hometown Platinum Credit Card

Enjoy no annual fee, and no balance transfer fee!

APR Rate Monthly Payment**
(As low as*)
17.49% $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 12/28/2023. All rates subject to change. Other terms may be available.
Federally insured by NCUA.
Credit Card Terms

Finance Charge
For Mastercard, Your due date will be at least 25 days following the statement closing date, and We will not charge You interest on purchases if You pay Your entire balance owed each month by Your due date. For all Feature Categories, We will begin charging interest on balance transfers and cash advances on the transaction date.
Other Fees And Charges
Applicable to Mastercard
Over-The-Credit Limit Fee. If You have affirmatively consented to allow Us to pay a transaction that would exceed Your Credit Limit and We have acknowledged Your consent as required by applicable law, subject to any limitations imposed by applicable law, You will be charged a fee for each billing cycle during which You exceed Your Credit Limit. The fee will be an amount equal to the lesser of: (a) $20.00; or (b) the amount by which You have exceeded Your Credit Limit.
Late Charge. If Your payment is 10 or more days late, You will be charged the lesser of: (i) $20.00; or (ii) the amount of the minimum payment due.
Returned Check Charge. You will be charged the lesser of $20.00 or the required minimum payment amount for the returned payment for any check (or other negotiable instrument used for payment) which is returned unpaid.
Replacement Card Fee. You will be charged $10.00 for each replacement Card You request ($25.00 if You request that the Card be replaced on an expedited basis).

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

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
*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. 
Federally insured by the NCUA.

Business Rates

Current Business Savings, Share Draft & Money Market Rates

All rates are subject to change. Effective date: January 1, 2023

Dividend Rate Annual Percentage Yield
Share Draft Accounts (Checking)
Basic Business Checking 0.00% 0.00%
Civic/Community Checking 0.00% 0.00%

 

Dividend Rate Annual Percentage Yield
Money Market Accounts
Business Money Market (Average monthly balance)
$1,000 minimum deposit and $2,000+ to earn dividends
$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%

 

Dividend Rate Annual Percentage Yield
Savings Account 
Business Share (Average monthly balance)
$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.
Federally insured by NCUA.