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 RateMonthly Payment**
(as low as)*
24 mo. or less5.24%$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.

TermAPR Rate*Monthly Payment***
(as low as**)
24 months or less9.99%$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.

TermRateAPRMonthly Payment
30 Year Fixed6.500%6.613%$1,011.31
20 Year Fixed – In House6.240%6.313%$1,168.55
15 Year Fixed6.375%6.560%$1,382.80
10 Year Fixed – In House5.875%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.

TermRateAPRPayment
5/1 ARM5.875%6.996%$946.95
7/1 ARM5.990%6.850%$958.75
10/1 ARM6.240%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.

TermRateAPRMonthly Payment
20 Year Fixed6.875%6.974%$369.12
15 Year Fixed6.250%6.371%$424.71
10 Year Fixed6.500%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-Value740> Credit Grade*739-680 Credit Grade*679-640 Credit Grade*
80% or LessPrimePrime + .25Prime + .50
80.01% – 90.00%Prime + 1.00Prime + 1.25Prime + 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 AccountsDividend RateAnnual Percentage Yield
Primary and Secondary (Average monthly balance)
$10,000+0.05%0.05%
$500-$9,9990.05%0.05%
$100-$4990.02%0.02%
The Hometown Kids Club
$500-$9,9990.10%0.10%
$0-$4990.05%0.05%
Christmas Club0.10%0.10%

Checking

Checking AccountsDividend RateAnnual Percentage Yield
Hometown Cash Back Checking4.89%5.00%
Worry-Free™ Hometown Checking0.00%0.00%
FreshStart™ Checking0.00%0.00%

Traditional Money Market

Traditional Money Market (Average monthly balance)Dividend RateAnnual Percentage Yield
$75,000+0.70%0.70%
$40,000-$74,9990.60%0.60%
$30,000-$39,9990.50%0.50%
$20,000-$29,9990.40%0.40%
$10,000-$19,9990.25%0.25%
$5,000-$9,9990.10%0.10%
$2,000-$4,9990.05%0.05%
$1,000 minimum deposit and $2,000+ earn dividends

Elite Money Market

Elite Money Market (Average monthly balance)Dividend RateAnnual Percentage Yield
$1,000,000+3.93%4.00%
$250,000-$999,9992.96%3.00%
$100,000-$249,9991.24%1.25%
$75,000-$99,9990.90%0.90%
$50,000-$74,9990.60%0.60%
$5,000-$49,9990.20%0.20%
$50,000 minimum deposit and $5,000+ earn dividends.

Certificates

Special Offers

Dividend RateAnnual Percentage Yield
Flex SC
$10,000 new money*. Deposit any time.
3 month4.65%4.76%
Flex SC
$1,000 new money*. Deposit any time.
20 month4.00%4.08%
60 month4.05%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 RateAnnual Percentage Yield
Bump-Up Flex SC*
$5,000 new money. Deposit anytime.
36 month3.75%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 RateAnnual Percentage Yield
Bump-Up IRA*
$5,000 new money.
36 month3.75%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 RateAnnual Percentage Yield
6 month2.24%2.27%
12 month3.09%3.14%
24 month3.95%4.03%
36 month3.80%3.87%
48 month3.75%3.82%
60 month3.95%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 RateAnnual Percentage Yield
$10,000+0.10%0.10%
$500-$9,9990.05%0.05%
$100-$4990.00%0.00%
Interest on all accounts is accrued average daily and all rates are subject to change.

Business Checking

Business Checking AccountsDividend RateAnnual Percentage Yield
Basic Business Checking0.00%0.00%
Civic/Community Checking0.00%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-$49,9990.50%0.50%
$10,000-$24,9990.40%0.40%
$2,000-$9,9990.25%0.25%
*$1,000 minimum deposit and $2,000+ to earn dividends
Interest on all accounts is accrued average daily and all rates are subject to change.