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Rates

Inside the numbers

Sheridan Community Federal CU's rates help members in Sheridan, WY, and everywhere save money on mortgages, car/boat/motorcycle/RV loans and personal loans while earning more on their savings accounts and certificates of deposit.

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Loans

New Cars

Term	APR Rate
24 Months	5.10%
36 Months	5.20%
48 Months	5.30%
60 Months	5.40%
72 Months	6.40%

Used Cars

Term	APR Rate
2020-2024 Up to 60 months	5.65%
2015-2019 Up to 60 months	5.70%
2009-2014 up to 60 months	6.80%
2008 & older up to 48 months	6.90%

Boats

Term	APR Rate
New Boat up to 84 months	8.90%
1 year old up to 72 months	9.90%
2 years & older up to 60 months	10.90%

Motorcycles, 4 Wheelers & Snow Mobiles

Term	APR Rate
New Motorcycle up to 60 months	7.55%
1 year old up to 60 months	7.65%
2 years & older up to 60 months	7.75%

Mobile Homes

Term	APR Rate
New Mobile Homes up to 10 years	10.90%
1 to 2 years old up to 10 years	10.90%
3 to 6 years old up to 7 years	10.90%
7 to 10 years old up to 5 years	11.90%

Motorhomes & RV's

Term	APR Rate
New RV's up to 120 months	7.25%
1 year old up to 120 months	7.50%
2 years old up to 120 months	7.75%
3 years old up to 120 months	7.85%
4 years & older up to 120 months	8.00%

Travel Trailers, 5th Wheels & Truck Campers

Term	APR Rate
New Trailers up to 180 months	7.25%
3 year old up to 72 months	7.50%
5 years old up to 72 months	7.50%
7 years & older up to 72 months	7.90%

Computers and Miscellaneous Collateral

Term	APR Rate
12 months to 36 months	12.90%

Share Pledge Loans (Loan secured by Regular Savings Account)

Term	APR Rate
12 months to 180 months	2.50%

Certificate secured loans are 2.00% over the certificate rate
ROUNDED UP TO THE NEAREST QUARTER PERCENT

Unsecured Loans

Term	APR Rate
12 months to 42 months	11.90%

Real Estate Loans

1st Mortgages

Term	APR Rate
15 Years	9.75%
30 Years	10.25%

2nd Mortgages

Term	APR Rate
15 Years	10.90%

2nd Mortgage Heloc

Term	APR Rate
5 year variable 9.90% initial rate	10.90%

Accounts

Savings

Title	Effective Rate	APY
$5.00 and above	0.10%	0.10%

Checking

Term	Effective Rate	APY
$500.00 to $999.99	0.25%	0.25%
$1,000.00 to $2,499.99	0.30%	0.30%
$2,500.00 to $9,999.99	0.35%	0.35%
$10,000.00 to $24,999.99	0.45%	0.45%
$25,000.00 to $99,999.99	0.75%	0.75%
$100,000.00 and Above	2.472%	2.50%

Certificate of Deposit

Term	Effective Rate	APY
3 months	1.985%	2.00%
6 months	2.237%	2.25%
12 months	3.25%	3.25%
24 months	3.203%	3.25%
36 months	3.445%	3.50%
60 months	3.928%	4.00%

* Rates are subject to change without notice. Rates effective date November 1, 2020
W.A.C. Not everyone will qualify for the lowest available rate

Sheridan Community Federal CU exists to provide a financial boost to members in Sheridan, WY. Find out how our competitive rates on savings accounts and various loans can work in your favor.

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