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 Months3.95%
36 Months4.20%
48 Months4.25%
60 Months4.50%
72 Months5.30%
Used Cars
Rates Effective:
TermAPR Rate
2019-2023 Up to 60 months4.50%
2014-2018 Up to 60 months4.65%
2009-2013 up to 60 months5.40%
2008 & older up to 48 months5.50%
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 & Snow Mobiles
Rates Effective:
TermAPR Rate
New Motorcycle up to 60 months4.50%
1 year old up to 60 months4.50%
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 months6.50%
1 year old up to 120 months6.50%
2 years old up to 120 months6.50%
3 years old up to 120 months6.50%
4 years & older up to 120 months6.90%
Travel Trailers, 5th Wheels & Truck Campers
Rates Effective:
TermAPR Rate
New Trailers up to 180 months5.90%
3 year old up to 72 months5.90%
5 years old up to 72 months5.90%
7 years & older up to 72 months6.25%
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 Years8.75%
30 Years9.25%
2nd Mortgages
Rates Effective:
TermAPR Rate
15 Years9.90%
2nd Mortgage Heloc
Rates Effective:
TermAPR Rate
5 year variable 9.90% initial rate9.90%

Accounts

Savings
Rates Effective:
TitleEffective RateAPY
$5.00 and above0.10%0.10%
Checking
Rates Effective:
TermEffective RateAPY
$500.00 to $999.990.25%0.25%
$1,000.00 to $2,499.990.30%0.30%
$2,500.00 to $9,999.990.35%0.35%
$10,000.00 to $24,999.990.45%0.45%
$25,000.00 to $99,999.990.60%0.60%
$100,000.00 and Above1.24%1.25%
Certificate of Deposit
Rates Effective:
TermEffective RateAPY
3 months0.40%0.40%
6 months0.60%0.60%
12 months0.85%0.85%
24 months1.34%1.35%
36 months1.74%1.75%
60 months2.72%2.75%
* 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.