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rates

Save more. Earn more.

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.

Loans

New Cars
Rates Effective:
TermAPR Rate
24 Months3.25%
36 Months3.25%
48 Months3.25%
60 Months3.25%
72 Months3.50%
Used Cars
Rates Effective:
TermAPR Rate
2015-2019 Up to 60 months3.25%
2009-2014 Up to 60 months3.25%
2001-2008 up to 60 months3.25%
2000 & older up to 48 months3.90%
Boats
Rates Effective:
TermAPR Rate
New Boat up to 84 months6.90%
1 year old up to 72 months6.90%
2 years & older up to 60 months7.90%
Motorcycles & 4 Wheelers
Rates Effective:
TermAPR Rate
New Motorcycle up to 60 months3.90%
1 year old up to 60 months3.90%
2 years & older up to 60 months4.90%
Mobile Homes
Rates Effective:
TermAPR Rate
New Mobile Homes up to 10 years9.90%
1 to 2 years old up to 10 years9.90%
3 to 6 years old up to 7 years9.90%
7 to 10 years old up to 5 years10.90%
Motorhomes & RV's
Rates Effective:
TermAPR Rate
New RV's up to 120 months5.90%
1 year old up to 120 months5.90%
2 years old up to 120 months5.90%
3 years old up to 120 months6.25%
4 years & older up to 120 months6.90%
Travel Trailers, 5th Wheels & Truck Campers
Rates Effective:
TermAPR Rate
New Trailers up to 84 months5.25%
1 year old up to 72 months5.25%
2 years old up to 72 months5.25%
3 years & older up to 72 months5.25%
Computers and Miscellaneous Collateral
Rates Effective:
TermAPR Rate
12 months to 36 months9.90%
Share Pledge Loans (Loan secured by Regular Savings Account)
Rates Effective:
TermAPR Rate
12 months to 180 months2.50%

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

Unsecured Loans
Rates Effective:
TermAPR Rate
12 months to 42 months12.00%

Real Estate Loans

1st Mortgages
Rates Effective:
TermAPR Rate
15 Years6.25%
30 Years6.75%
2nd Mortgages
Rates Effective:
TermAPR Rate
15 Years8.90%
2nd Mortgage Heloc
Rates Effective:
TermAPR Rate
5 year variable 7.90% initial rate7.90%

Accounts

Savings
Rates Effective:
TitleEffective RateAPY
$5.00 and above0.10%0.10%
Checking
Rates Effective:
TermEffective RateAPY
$500.00 to $999.990.15%0.15%
$1,000.00 to $2,499.990.20%0.20%
$2,500.00 to $9,999.990.25%0.25%
$10,000.00 to $24,999.990.30%0.30%
$25,000.00 to $99,999.990.50%0.50%
$100,000.00 and Above0.95%0.95%
Certificate of Deposit
Rates Effective:
TermEffective RateAPY
3 months0.35%0.35%
6 months0.60%0.60%
12 months1.00%1.00%
24 months1.24%1.25%
36 months1.49%1.50%
60 months2.23%2.25%
* Rates are subject to change without notice. Rates effective date November 1, 2018
   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.