Home Equity Line of Credit Special
Holiday shopping, travel, and seasonal costs don't have to come with a high interest rate. With SharePoint Credit Union HELOC, leverage your home's equity with special introductory rate of 3.99% APR* for 12 months thereafter a variable rate of 7.00% APR* currently. Pay off high-interest debt and consolidate into one manageable payment.
Let Us Beat Your Rate
Put us to the test! See how your current auto loan rate compares to what SharePoint Credit Union may be able to offer. If we can’t offer you a lower interest rate, you’ll walk away with $50¹.
13 Month CD Special
Looking for a guaranteed return in today's market? Lock in a great rate and watch your money grow with our 13-Month CD Special at 4.00% APY². With a low minimum deposit of just $500, it’s an easy, secure way to maximize your savings.
Flex Certificate
It's back for a limited time! Open a flex certificate and enjoy the advantage of adding funds to your certificate anytime.
11 Month Certificate: 3.30% APY³
Youth Account
Open an All Star Youth Savings Account, and we’ll match up to $254 of the initial deposit! Help them build smart savings habits now so they can thrive later.
Refer a Friend
Earn up to $5005! New member that opens a checking account or qualifying loan will earn $50! Current members will receive $50 for each new eligible member referred! Promotional funds will be deposited to each eligible member within 60 days of account opening or loan closing.
Tools & Resources
*APR= Annual Percentage Rate. Introductory offer valid for new HELOCs only. Promotional rates available for HELOC’s under 80% Loan-To-Value. Promotional rate will be 3.99% for first 12 months and change to a variable rate thereafter to the effective Wall Street Journal Prime Rate, currently 7.00% APR. A HELOC will never go below 4.00% APR and will not exceed 18.00% APR and will never exceed the highest allowable rate for this type of agreement as determined by applicable state or federal law. A HELOC has a seven-year draw period with a ten-year repayment period. Property must be the primary residence. Home Equity Line of Credit loans may only be written for homes in MN and WI. Closing costs will vary based on loan amount, appraisal requirement, geographic location, and title examination findings. For loan amounts of $25,000 to $150,000, costs will typically range from $365 to $1250 including an appraisal if one is required. Property insurance required for Home Equity Lines of Credit. Subject to credit approval and require income verification. Rates and terms are subject to change. NMLS# 527701. Equal Housing Opportunity Lender. Contact a SharePoint Credit Union Representative for details. Must be eligible for membership. Must apply by 12/31/26 and close within 60 days of application.
¹Rates are as low as and subject to approval. Rates may vary, based on credit history, loan term and age of vehicle. Rates include a .25% discount for automatic payment. Rate and promotion is intended for new loans and not valid for the refinancing of existing SharePoint CU loans. An additional $35 fee will be charged at the time of loan origination which will increase the final APR. Rates are subject to change without notice. 1Let Us Beat Your Rate Promotion is intended for refinance auto loans only. Available to new and existing SharePoint Credit Union members. Provide a loan statement showing your current auto loan rate. SharePoint Credit Union must be able to offer a lower rate than the qualifying rate provided. If SharePoint Credit Union cannot beat the qualifying rate, you will receive $50 within 60 days of application, if you are a SharePoint member the amount will be deposited into your SharePoint CU account. If you are not a SharePoint CU member, a check will be sent to the address on your application. Limit two $50 incentives per person. Offer applies for new or used vehicles 10 years old or newer. Loan approval, rates and terms are subject to credit approval and eligibility. Other restrictions may apply. Promotion ends December 31, 2026.
²APY = Annual Percentage Yield. Dividends for Share Certificates are calculated on the daily balance and paid quarterly. Interest rates are reviewed weekly and are subject to change without notice. Minimum required to open a 13-month is $500.00. At maturity, balance of the 13-month certificate will automatically roll into a 12-month certificate at the current rate at that time. Rate effective 6/23/26. Cannot be combined with any other offers. Restrictions may apply. Federally insured by NCUA. Early Withdrawal Penalty: one year or less will equal 90 days of interest on the amount withdrawn subject to penalty, and over one year will equal 180 days of interest on the amount withdrawn subject to penalty. Deposit accounts are insured up to $250,000 by the National Credit Union Association (NCUA) and an additional $250,000 through Excess Share Insurance (ESI).
³APY = Annual Percentage Yield. Dividends for Share Certificates are calculated on the average daily balance and paid quarterly. Rates are reviewed weekly and are subject to change without notice. Minimum required to open a Flex Share Certificate is $500. Maximum $250,000. 11-month certificate will earn dividend rate of 3.25%. Additional deposits allowed during term of loan up to the maximum certificate deposit amount allowed. At maturity, balance of the 11-month certificate will automatically roll into a 12-month certificate at the current rate at that time. Does not qualify for IRAs. Rates are effective 3/2/26 subject to cancel at any time. Subject to change without notice. Cannot be combined with any other offers. Restrictions may apply. Can have multiple Flex Certificates not to exceed $500,000. Early Withdrawal Penalty: one year or less will equal 90 days of interest on the amount withdrawn subject to penalty, and over one year will equal 180 days of interest on the amount withdrawn subject to penalty. Deposit accounts are insured up to $250,000 by the National Credit Union Association (NCUA) and an additional $250,000 through Excess Share Insurance (ESI).
4Federally insured by the NCUA. Minimum to open: $5. The Annual Percentage Yield (APY) for All-Star Accounts is 0.10% 1/1/2025. Rates subject to change. SharePoint CU will match up to $25 of the deposit made when the account is opened. Matched funds will be deposited into the account at the time of opening. Accounts closed within the first three months may forfeit matched funds. Must be 17 and under to be eligible for All-Star Accounts and eligible for Membership. All accounts are subject to approval. A minimum balance of $0.01 is required to earn APY. Offer ends 12/31/2025 and is subject to change without notice. The value of this bonus will be reported to the IRS. The recipient is responsible for any federal, state or local taxes on this offer. Offer valid for new members only. Contact a Team Member for further information about fees and terms.
5All accounts subject to approval. Existing member must be in good standing with the credit union and fill out Referral Form online to be eligible to receive reward. Referral must be eligible for membership. The existing member will receive $50 for each new SharePoint Credit Union member that opens an active checking account and/or qualified loan. New member will receive $50 with a new active checking account OR a qualifying loan. Checking account is considered active with five or more of the following transactions during their monthly statement cycle: debit card transactions, direct deposit, Bill Pay, automatic withdrawal, check, or cash deposit. Transactions less than $5, do not qualify as one of the five monthly transactions. One $50 reward per new member. This offer is eligible on all consumer checking accounts and consumer loans. Excludes home mortgages and savings accounts. Must be 18 years or older. Reward will be deposited into each eligible member’s savings account within 60 days of meeting the qualifications. Member is responsible for any related taxes according to MN laws. Employees are not eligible for reward. Offer effective 1/1/25- 12/31/25 and subject to change without notice. Other restrictions may apply. Federally insured by the NCUA.
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