Rates

Vehicle Loans

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

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

APR Rate does not include 0.25% Hometown Loan Rebate.

Term APR Rate Monthly Payment***
(up to) (as low as)**
24 mo. or less 2.79% $42.88
36 mo. 3.09% $29.12
48 mo. 3.19% $22.21
60 mo. 3.29% $18.09
72 mo. 3.59% $15.45
84 mo. 4.29% $13.80
120 mo.* (Boat/RV’s >$40k, 100% LTV) 5.29% $10.74

 

 

**100% Loan-To-Value. Monthly payment is based on payment per $1,000 borrowed for rate and term. Rates effective as of 9/3/2020. All rates subject to change. Membership Eligibility Required.
Federally insured by NCUA.

Mortgage Loans

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

APR Rate does not include 0.25% Hometown Loan Rebate.

Term Rate APR Monthly Payment
30 Year Fixed 3.740% 3.82% $462.55
20 Year Fixed 3.740% 3.85% $592.37
15 Year Fixed 3.125% 3.26% $696.61
10 Year Fixed 3.490% 3.57% $988.39
5.25/1 Yr. ARM 3.240% (30 yr. amortization) 2.735% $434.66
5.25/1 Yr. ARM 2.490% (15 yr. amortization) 2.540% $666.32

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

Term Rate APR Monthly Payment
20 Year Fixed 4.375% 4.42% $625.92
15 Year Fixed 3.750% 3.81% $727.22
10 Year Fixed 4.125% 4.17% $1,018.40

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% – 89.99%+ Prime + 1.00 Prime + 1.25 Prime + 1.50
Membership requirements apply. Loans subject to credit and collateral approval. Equal Housing Opportunity. 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*)
11.240% $20

 

Shoreline Hometown Platinum Credit Card

Enjoy no annual fee, and no balance transfer fee!

APR Rate Monthly Payment**
(As low as*)
9.240% $25
Credit Cards are subject to credit approval. Membership requirements apply. *APR posted is for credit score 740 and above. **Monthly payment is based off of 2% of balance on Credit Card for rate. Rates effective as of 1/1/2020. All rates subject to change. Other terms may be available.
Federally insured by the NCUA.

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*)
12.3% $47.21

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 8.87% $45.62
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 1/1/2020. All rates subject to change. Other terms may be available. 
Federally insured by the NCUA.

Deposit Rates

Current Savings, Share Draft, Money Market & HSA Rates

All rates are subject to change. Effective date: September 22, 2020

Dividend Rate Annual Percentage Yield
Share Draft Accounts (Checking)
Rebate Checking 2.00% 2.00%
Health Savings Account (HSA)
$25,000+ 0.40% 0.40%
$10,000-$24,999 0.30% 0.30%
$2,500-$9,999 0.20% 0.20%
$100-$2,499 0.05% 0.05%

 

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+  0.25%  0.25%
$40,000-$74,999 0.20% 0.20%
$30,000-$39,999 0.20% 0.20%
$20,000-$29,999 0.15% 0.15%
$10,000-$19,999 0.15% 0.15%
$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+ 0.55% 0.55%
$250,000-$999,999 0.45% 0.45%
$99,999-$249,999 0.35% 0.35%
$75,000-$99,999 0.30% 0.30%
$50,000-$74,999 0.25% 0.25%
$5,000-$49,999 0.15% 0.15%

 

All rates are subject to change. Effective date: April 10, 2020

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%
Savers Sweepstakes 0.25% 0.25%
The Hometown Kids Club
$500-$9,999 0.10% 0.10%
$0-$499 0.05% 0.05%
Christmas Club 0.05% 0.05%
Interest on all accounts is accrued average daily and all rates are subject to change.
Federally insured by NCUA.

Certificate and IRA Rates

All rates are subject to change. Effective date: September 22, 2020

Special Offers

Dividend Rate Annual Percentage Yield
Flex SC
$1,000 new money. Deposit anytime.
20 month 0.35% 0.35%
50 month 0.66% 0.66%

 

Dividend Rate Annual Percentage Yield
Bump-Up Flex SC*
$5,000 new money. Deposit anytime.
36 month 0.45% 0.45%

 

Dividend Rate Annual Percentage Yield
Bump-Up Flex IRA*
$5,000 new money. Deposit anytime.
36 month 0.45% 0.45%

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

Current Offers

Dividend Rate Annual Percentage Yield
Certificates and IRAs
$1,000 minimum deposit
$500 minimum deposit custodial accounts
6 month 0.22% 0.22%
12 month 0.32% 0.32%
24 month 0.38% 0.38%
36 month 0.48% 0.48%
48 month 0.59% 0.59%
60 month 0.67% 0.67%
IRA Variable Rate Savings 0.10% 0.10%
Interest on all accounts is accrued average daily and all rates are subject to change.
Federally insured by NCUA.

Business Rates

Current Business Savings, Share Draft & Money Market Rates

All rates are subject to change. Effective date: March 1, 2017

Dividend Rate Annual Percentage Yield
Share Draft Accounts (Checking)
Basic Business Checking 0.00% 0.00%
Business Advantage Checking $1,000+ 0.02% 0.02%
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
$25,000+ 0.25% 0.25%
$10,000-$24,999 0.15% 0.15%
$2,000-$9,999 0.10% 0.10%
$0-$1,999 0.00% 0.00%

 

Dividend Rate Annual Percentage Yield
Savings Account 
Business Share (Average monthly balance)
$10,000-$100,000+ 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.