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
TermAPR Rate
24 Months6.15%
36 Months6.25%
48 Months6.35%
60 Months6.45%
72 Months7.45%
Used Cars
TermAPR Rate
2020-2024 Up to 60 months6.55%
2015-2019 Up to 60 months6.55%
2009-2014 up to 60 months6.65%
2008 & older up to 48 months6.75%
Boats
TermAPR Rate
New Boat up to 84 months8.90%
1 year old up to 72 months9.90%
2 years & older up to 60 months10.90%
Motorcycles, 4 Wheelers & Snow Mobiles
TermAPR Rate
New Motorcycle up to 60 months7.55%
1 year old up to 60 months7.65%
2 years & older up to 60 months7.75%
Mobile Homes
TermAPR Rate
New Mobile Homes up to 10 years10.90%
1 to 2 years old up to 10 years10.90%
3 to 6 years old up to 7 years10.90%
7 to 10 years old up to 5 years11.90%
Motorhomes & RV's
TermAPR Rate
New RV's up to 120 months7.25%
1 year old up to 120 months7.50%
2 years old up to 120 months7.75%
3 years old up to 120 months7.85%
4 years & older up to 120 months8.00%
Travel Trailers, 5th Wheels & Truck Campers
TermAPR Rate
New Trailers up to 180 months7.25%
3 year old up to 72 months7.50%
5 years old up to 72 months7.50%
7 years & older up to 72 months7.90%
Computers and Miscellaneous Collateral
TermAPR Rate
12 months to 36 months12.90%
Share Pledge Loans (Loan secured by Regular Savings Account)
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
TermAPR Rate
12 months to 42 months11.90%

Real Estate Loans

1st Mortgages
TermAPR Rate
15 Years9.75%
30 Years10.25%
2nd Mortgages
TermAPR Rate
15 Years10.90%
2nd Mortgage Heloc
TermAPR Rate
5 year variable 9.90% initial rate10.90%

Accounts

Savings
TitleEffective RateAPY
$5.00 and above0.10%0.10%
Checking
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 $99,999.990.75%0.75%
$100,000.00 and Above2.472%2.50%
Certificate of Deposit
TermEffective RateAPY
3 months1.985%2.00%
6 months2.237%2.25%
12 months3.25%3.25%
24 months3.203%3.25%
36 months3.445%3.50%
60 months3.928%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.