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Rates

Deposit Rates

Savings
Effective Date: Sunday, July 21st, 2024
TypeDividend RateAPY*Term
Primary Savings: $5.00 and Above 0.09% 0.10% n/a
Secondary Savings 0.09% 0.10% n/a
eSavings^ - Introductory Rate 2.96% 3.00% 24
eSavings^ - Ongoing Rate 0.09% 0.10% n/a
IRA Savings 0.39% 0.40% n/a
Holiday Savings** 2.23% 2.25% 12
All Star Savings¹ 0.09% 0.10% n/a

*APY = Annual Percentage Yield. Dividends for Savings and IRAs are calculated on the average daily balance and paid quarterly. Rates are subject to change without notice. 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).

^APY = Annual Percentage Yield. Dividends are calculated on the average daily balance and paid quarterly. Promotional rate of 3.00% APY will be offered for two years from the account opening date. After two years, the rate will convert to the going rate on the Secondary Savings, currently 0.10% APY. Balances above $10,000 will earn the going rate on the Secondary Savings, currently 0.10% APY. $50 minimum direct deposit per month. A $2 fee will be charged for each paper statement mailed to the member; this fee can be avoided by signing up for eStatements. Must enroll in online banking. If the monthly direct deposit is not met, a fee of $3.95 will be charged.  Fees may reduce earnings. 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). One account per member. Some restrictions may apply. Offer effective 4/1/2020 and subject to change without notice. Cannot be combined with other offers.

**APY = Annual Percentage Yield. Some restrictions may apply. One Holiday Savings account per member. Maximum balance is $1,500. Must have regular deposits of at least $20 per month. Dividends are calculated on the average daily balance and paid quarterly. Subject to change without notice. SharePoint is federally insured by the NCUA.

¹All Star Savings will convert to a Primary Savings upon members eighteenth birthday.

Learn more about current Special Offers.

Share Certificates
Effective Date: Sunday, July 21st, 2024
TypeDividend RateAPY*Term
6 Month Share Certificate 1.98% 2.00% 6
12 Month Share Certificate 2.23% 2.25% 12
18 Month Share Certificate 1.73% 1.75% 18
24 Month Share Certificate 1.98% 2.00% 24
36 Month Share Certificate 2.23% 2.25% 36
48 Month Share Certificate 2.47% 2.50% 48
60 Month Share Certificate 2.72% 2.75% 60
7 Month Share Certificate Special 4.90% 5.00%² 7
13 Month Flex Share Certificate 4.90% 5.00%¹ 13

*APY = Annual Percentage Yield. Dividends for Share Certificates are calculated on the average daily balance and paid quarterly. Interest rates are reviewed weekly and are subject to change without notice. Minimum required to open a Share Certificate is $500. IRA certificates will earn the above yields with $500.00 minimum balance.

¹To earn 0.25% APY rate increase member must meet the following criteria: Have an active loan or credit card; or have a checking account with electronic Statements. If member does not meet criteria member will earn 4.75% APY (13 month). Minimum $500.00. Maximum $500,000. Additional deposits allowed during term of certificate up to the maximum certificate deposit amount allowed. At maturity, balance of the 13-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 4/1/24 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.

²Minimum required to open a 7 month Share Certificate is $10,000. At maturity, balance of the 7-month certificate will automatically renew into a 6-month certificate at the current interest rate at that time. Does not qualify for IRA's. Interest rates are effective 4/1/24 and subject to cancel at any time. Subject to change without notice. Cannot be combined with any other offers. Restrictions may apply. Can have multiple 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). Full Share Certificate Disclosure

Learn more about current Special Offers.

Money Market
Effective Date: Sunday, July 21st, 2024
NameDividend RateAPY*
Money Market - Average daily balance up to $4,999.99 0.74% 0.75%
Money Market - Average daily balance of $5,000 - $24,999.99 0.74% 0.75%
Money Market - Average daily balance of $25,000 - $49,999.99 0.79% 0.80%
Money Market - Average daily balance of $50,000 - $99,999.99 0.79% 0.80%
Money Market - Average daily balance of $100,000 - $249,999.99 0.89% 0.90%
Money Market - Average daily balance $250,000 and over 0.99% 1.00%

*APY = Annual Percentage Yield. Dividends for Money Market are calculated on the average daily balance and paid monthly. Rates are subject to change without notice. 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).

Learn more about current Special Offers.

Checking
Effective Date: Sunday, July 21st, 2024
TypeDividend RateAPY*
Free Checking 0.00% n/a
Choice Plus Checking 0.09% 0.10%
Premier Rate Checking - Introductory Rate 4.88% 5.00%
Premier Rate Checking - Ongoing Rate 0.99% 1.00%
Advantage Checking 0.09% 0.10%
All Star Checking** 0.00% n/a

*APY = Annual Percentage Yield. Dividends for Checking are calculated on the daily average balance and paid monthly. Interest rates are subject to change without notice. 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). †Not available for new accounts. For full details on Checking Account requirements click here.

** All Star Checking will covert to a Free Checking upon the members eighteenth birthday.

Learn more about current Special Offers.

Consumer Loan Rates

Auto Loans
Effective Date: Sunday, July 21st, 2024
Auto YearTerm (up to)APR as low as*Payment per $1,000
2014 and newer 36 months 6.24% $31.39
  65 months 6.24% $18.74
  72 months 6.74% $17.46
2013 or older 36 months 6.74% $31.62
  48 months 6.74% $24.53

*APR = Annual Percentage Rate. Rates are as low as and subject to approval. Rates may vary, based on credit history, loan term and age of vehicle. A down payment may be required. Rates include a .25% discount for automatic payment. Rate is intended for new loans and not valid for the refinancing of existing SharePoint loans. An additional $10 fee will be charged at the time of loan origination which will increase the final APR.  Rates are subject to change without notice.

Interest will continue to accrue. Timing of first payment will vary based on credit approved loan terms and cannot be subject to negative amortization. Contact a SharePoint Representative for full details.

Learn more about current Special Offers.

 

Recreational Loans
Effective Date: Sunday, July 21st, 2024
Rec. YearTerm (up to)APR as low as*Payment per $1,000
2014 and newer 36 months 7.24% $31.74
  60 months 7.24% $20.40
  120 months 7.74% $12.29
  180 months 8.24% $9.94
2013 or older 36 months 7.74% $31.98
  48 months 7.74% $24.88

*APR = Annual Percentage Rate. Rates are as low as and subject to approval. Rates may vary, based on credit history, loan term and age of collateral. A down payment may be required. Rates include a .25% discount for automatic payment. Rate is intended for new loans and is not valid for the refinancing of existing SharePoint loans. An additional $10 fee will be charged at the time of loan origination which will increase the final APR.  Rates are subject to change without notice.

Interest will continue to accrue. Timing of first payment will vary based on approved loan terms and cannot be subject to negative amortization. Contact a SharePoint Representative for full details.

Learn more about current Special Offers.

 

Personal Loans
Effective Date: Sunday, July 21st, 2024
TypeAPR* as low asTerm
Savings Secured Loan Deposit rate plus 2.0% 60 months
Unsecured (No Collateral) 11.49% 60 months
Reserve Line of Credit¹ 15.25% - Variable Rate  

*APR = Annual Percentage Rate. Subject to approval. All posted rates are as low as and may vary, based on your credit history. Additional loan rates and terms are available. ¹The Reserve Line’s APR is variable based on an index plus a margin of 6.75%. The current index being used is the Prime Rate as published by the Wall Street Journal. Contact a SharePoint Representative for full details. 

Learn more about current Special Offers.

Visa Credit Cards
NameVariable Rate APR*
SharePoint Pinnacle 13.40%
SharePoint Platinum 13.40%
SharePoint Classic 17.40%

*APR = Annual Percentage Rate. Please note our Visa Credit Card Disclosure.

Learn more about current Special Offers.

Home Loan Rates

Mortgage Loans
Effective Date: Friday, July 19th, 2024
NameRatesAPR^PointsMonthly Payment
Conventional 15-Year Fixed 6.375% 6.473% 0.00 $2,160.63 ^
Conventional 30-Year Fixed 7.000% 7.062% 0.00 $1,663.26 ^
VA 30-Year Fixed 6.250% 6.514% 0.00 $1,572.39 ^
VA IRRRL 30-Year Fixed 5.750% 5.856% 0.00 $1,466.23 ^

Freedom Mortgage Loans
Effective Date: Sunday, July 21st, 2024
NameAPR as low as*Term
Freedom Mortgage (Eight years or less) 6.99% 96 months
Freedom Mortgage (9-12 years) 7.24% 144 months

*APR=Annual Percentage Rate. Subject to approval and income verification. All posted rates are as low as and may vary, subject to your credit history. Additional loan rates and terms are available. Contact a SharePoint Credit Union Representative for details.

Rates and terms subject to change. Maximum Loan-To-Value = 80%. SharePoint Credit Union must be in the first lien position. Property must be the primary residence or a non-investment vacation home located in MN or WI. Maximum term is 12 years. 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 $375 to $1,300 including an appraisal if one is required. Payment example assumes property is located in Hennepin County and the borrower has a credit score above 680:

Payment example: Borrow at 6.99 % for 8 years, $136.30 per $10,000.

Payment example: Borrow at 7.24% for 12 years, $104.14 per $10,000.  

Sample payment does not include taxes and insurance. Property insurance required. Escrow account not available.

Learn more about current Special Offers.

 

 

Home Equity Loans - Fixed
Effective Date: Sunday, July 21st, 2024
NameAPR*TermPayment per $1,000
Home Equity Loan (Up to 80% Loan to Value) 6.74% 60 months $20.16
Home Equity Loan (Over 80% Loan to Value) 7.74% 60 months $20.15
Home Equity Loan (Up to 80% Loan to Value) 6.99% 120 months $11.89
Home Equity Loan (Over 80% Loan to Value) 8.24% 120 months $12.26
Home Equity Loan (Up to 80% Loan to Value) 7.49% 180 months $9.50
Home Equity Loan (Over 80% Loan to Value)* 8.74% 180 months $9.99

*APR=Annual Percentage Rate. Subject to approval. All posted rates are as low as and may vary, subject to your credit history. Additional loan rates and terms are available. Property must be the primary residence or a non-investment second/vacation home. Home Equity Loan and Credit Lines may only be written for homes in MN and WI. Closing costs will vary based on loan amount, appraisal requirement, geo- graphic location, and title examination findings. For loan amounts of $25,000 to $150,000, costs will typically range from $816 to $1,116 including an appraisal if one is required. Property insurance required for Home Equity Loans and Credit Lines. Subject to credit approval and require income verification. Rates and terms are subject to change. Cannot be combined with any other offer. SharePoint is an equal housing opportunity. Contact a SharePoint Credit Union Representative for details.

Learn more about current Special Offers.

Home Equity Line of Credit - Variable
Effective Date: Sunday, July 21st, 2024
NameVariable APR*
Home Equity Line of Credit (80% Loan to Value) 8.50% (Current Prime Rate 8.50%)
Home Equity Line of Credit (90% Loan to Value) 11.50%
*APR=Annual Percentage Rate. Subject to approval. All posted rates are as low as and may vary, subject to your credit history. Additional loan rates and terms are available. Home Equity Line of Credit (HELOC) has a variable rate indexed to the Prime Rate as published by the Wall Street Journal plus a set Margin. A HELOC with a Loan to Value (LTV) of 80% or less does not have a Margin added to the Prime Rate. A HELOC with a LTV greater than 80% will have a Margin of 3.00% APR added to the Prime Rate. 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 or a non-investment second/vacation home. Home Equity Loan andCredit Lines may only be written for homes in MN and WI. Closing costs will vary based on loan amount, appraisal requirement, geo-graphic location, and title examination findings. For loan amounts of $25,000 to $150,000, costs will typically range from $591 to $961 including an appraisal if one is required. Property insurance required for Home Equity Loans and Credit Lines. Subject to credit approval and require income verification. Rates and terms are subject to change. Cannot be combined with any other offer. SharePoint is an equal housing lender. Contact a SharePoint Credit Union Representative for details.

 

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