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Sharonview Federal Credit Union

Popular Accounts at this Credit Union

2.25%5-year CD60 Month CD
1.00%1-year CD12 - 23 Month CD
0.10%SavingsSpecial Purpose Share

Overview / Commentary
1081 Red Ventures Dr
Fort Mill, SC 29707-5001

Sharonview Federal Credit Union is headquartered in Fort Mill and is the 3rd largest credit union in the state of South Carolina. It is also the 187th largest credit union in the nation. It was established in 1976 and as of March of 2017, it had grown to 275 employees and 71,219 members at 17 locations. Sharonview Federal Credit Union's money market rates are 14% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Sharonview Federal Credit Union is to anyone through joining the Carolinas Consumer Council ($18 one-year fee). Membership is also open to the following: (1) those who live, work, volunteer, worship, or attend school in Gaston, Bladen, or Robinson Counties in North Carolina and in select areas of Charlotte, Salisbury, or Wilmington, North Carolina; (2) those who live, work, attend school, volunteer, or worship in Florence County or select areas of Spartanburg or Greenville Counties in South Carolina; (3) employees or retirees of American Asset, APAC-Atlantic, and over 100 other companies or organizations. (Membership requirements are detailed in the credit union's online application)
See current membership details

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Reviews (8)


Sharonview is the best credit union experience I have ever had. I have been using them as my credit union since 2004. I have enjoyed using their PAL revolving line of credit. They also love to help you each year with acquiring a copy of your credit report to review if you ask them.

The employees are always very helpful when I have to call in, there is never a wait time. Also, I travel overseas a lot, and I'm able to use my check card anywhere in the world without problems.

I moved to Seattle in 2006 and I still am able to enjoy Sharonview's excellent customer service from all the way on the other side of the country with no problems.

The Best Credit Union

Sharonview Credit Union I feel is the best around because of it's friendly employees and their ability to make transactions by either phone or website. They also have the lowest rates on loans of all kinds. By keeping you updated with the best information that they send to you weekly and through the mail,You have the ability to make very informed choices.

This Credit Union Will Rip You Off In High Fees

Posted by: Deb1 | Jan 12, 2017

High fees are taken out of your account. Smaller accounts can't take these hits. Bad customer service. Don't use this credit union.

Very Difficult To Get Company To Get Loans.

Sharonview is a company collect your money but when you need a loan there very difficult to get a mortgage loan or personal loan throught. I have been a member for 13 years and never defaulted on know loan I have ever gotten throught sharonview yet I can never quailfy for a mortgage loan with sharonview after paying off 3 auto loans in 13 years with them wow.

System Is Down Alot During Hours You Need Your Debit Card

Posted by: tpayne | Oct 13, 2012

I have been a member for 5+ years however in the last 6 months their system has been down a lot and during this downtime I can not access my money not debit, credit or ATM.  On 3 occassions in the last 6 months I have actually been somewhere trying to make a purchase it is a complete embarassment and very frustrating not being able to get my own money.  I can't even call and complain because they only have customer support Monday thru Friday 8-6pm so it is happens on a weekend or after hours your done.  Each time they respond to my email on Monday or Tuesday saying the system was down. No apology no response as to what they are doing to ensure it doesn't happen again.  I guess for them it is standard business practice.  So if you like not being able to access your own money then it is the credit union for you.  I am changing can't stand it anymore it is not a simple mistake they just don't care otherwise they might actually show some concern.

Not As Good As It Used To Be

I have been a Sharonview customer for 15 years and am closing my accounts. Their fees are higher than any other bank, customer service is non-existent, and their interest rates on savings accounts are way too low with too many restrictions. Sharonview better do some market research to be competitive with the industry or they will lose a lot more customers.

Good-Bye Forever Sharonview Federal Credit Union

Posted by: sbowers43 | Oct 12, 2011

As a member for over 15 years, I have immediately broken ties with this company.  Upon purchasing an new vehicle I called SFCU and was given a payoff amount for vehicle I had financed with them, which I relayed the amount to the new dealer (Sharonviews Rates were not competitive).  After paperwork was submitted, Sharonviews Auto Loan person (She was no hlep whatsoever) had a different amount of payoff, of course higher.  So now, I have to go back to dealer with a check in hand, as SFCU cannot explain why the amount was different, I was asked repeatedly "who was it you spoke to"...who cares, just send me a damn statment, I want to see facts..  I proceeded to ask this Auto Loan person to give me a statement, she would not and made up senseless excuses.

Shame on me for not getting the initial payoff in written statement sent to dealer, but shame on you for losing a customer for over 15 years.  Adios!

Unreliable And Dishonest!

Posted by: notafan86 | May 24, 2011

Sharonview Federal Credit Union -- I was with this union for 10 years and finally was forced to give up and take my business elsewhere. My former phone company had charged me early in 2010 for my phone bill without my authorization. I called them but they refused to rectify. I called Sharonview to get it fixed and the teller looked me in the eye and said, "Well you must have said they could charge you." I asked why I would pay my bill 3 weeks early when I had been paying my bill on time, on the same day, for the last 8 months. They refused to even investigate the situation and made me pay $30 for a stop payment on the charge. It still went through and I called Sharonview again and was told that "it happens sometimes" but that they were not able to return my $30 fee since it hadn't worked. This same issue happened 4 more times with the same phone company and at one point, I was $165 overdrawn, had no money for food, gas, or bills for two weeks, and both Sharonview and my phone company were willing to investigate or help figure out the situation. I finally went in to the bank manager and explained; I was 22 years old, new graduate, working part time for minimum wage, and my entire paycheck was direct deposit so it was taken as soon as it was put into my account. She explained that it was "your fault" for "not being diligent enough" with keeping my bills straight. I showed her that I had been with Sharonview for 10 years and had never had any overdrafts before this but she continued telling me it was my fault. I left crying and called corporate the next day. Long story short, I got the same response. I terminated my contract with my phone company and reported them to the BBB but i was still left with all of my overdraft fees, 4 stop payment fees, and late fees on all of my other bills that weren't getting paid because of this. Sharonview was very cold to my situation and weren't even willing to look into the situation. My mother was with them for 17 years up until this and ended up leaving them as well.


Health Grade Components

NCUA #22458
Year Chartered1976
Primary Regulator
Profit Margin
Return on Assets - YTD-0.42%
Return on Equity - YTD-4.07%
Annual Interest Income$15.3MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$1.40B$1.22B
LoansQ1 2017vs Q1 2016$1.22B$1.08B
DepositsQ1 2017vs Q1 2016$950.3MM$826.5MM
Equity CapitalQ1 2017vs Q1 2016$142.3MM$141.2MM
Loan Loss AllowanceQ1 2017vs Q1 2016$11.6MM$7.6MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$5.2MM$5.6MM
Real Estate OwnedQ1 2017vs Q1 2016$606.00K$1.3MM
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Sharonview Federal Credit Union Savings Account Rates

0.35%*$50k*-IRA Savings
OTHER TIERS: 0.20% $1k - $10k | 0.25% $10k - $25k | 0.30% $25k - $50k
0.10%--Regular Share
0.10%--Special Purpose Share

Sharonview Federal Credit Union Money Market Rates

0.75%$5k-Investor Money Market
0.50%$50k-Premium Plus Money Market
0.40%$25k-Premium Money Market
0.35%*$50k*-Money Market Savings
OTHER TIERS: 0.20% $1k - $10k | 0.25% $10k - $25k | 0.30% $25k - $50k

Sharonview Federal Credit Union CD Rates

2.25%*$100k*-60 Month CD
OTHER TIERS: 1.50% $500 - $10k | 2.00% $10k - $50k | 2.15% $50k - $100k
1.85%*$100k*-36 - 59 Month CD
OTHER TIERS: 1.25% $500 - $10k | 1.50% $10k - $50k | 1.75% $50k - $100k
1.25%*$100k*-24 - 35 Month CD
OTHER TIERS: 0.50% $500 - $10k | 0.75% $10k - $50k | 1.00% $50k - $100k
1.00%*$100k*-12 - 23 Month CD
OTHER TIERS: 0.35% $500 - $10k | 0.55% $10k - $50k | 0.65% $50k - $100k
0.45%*$100k*-6 - 11 Month CD
OTHER TIERS: 0.25% $500 - $10k | 0.30% $10k - $50k | 0.40% $50k - $100k
0.35%*$100k*-3 - 5 Month CD
OTHER TIERS: 0.20% $500 - $10k | 0.25% $10k - $50k | 0.30% $50k - $100k

Sharonview Federal Credit Union IRA Rates

2.25%*$100k*-60 Month IRA
OTHER TIERS: 1.50% $500 - $10k | 2.00% $10k - $50k | 2.15% $50k - $100k
1.85%*$100k*-36 - 59 Month IRA
OTHER TIERS: 1.25% $500 - $10k | 1.50% $10k - $50k | 1.75% $50k - $100k
1.25%*$100k*-24 - 35 Month IRA
OTHER TIERS: 0.50% $500 - $10k | 0.75% $10k - $50k | 1.00% $50k - $100k
1.00%*$100k*-12 - 23 Month IRA
OTHER TIERS: 0.35% $500 - $10k | 0.55% $10k - $50k | 0.65% $50k - $100k
0.45%*$100k*-6 - 11 Month IRA
OTHER TIERS: 0.25% $500 - $10k | 0.30% $10k - $50k | 0.40% $50k - $100k
0.35%*$100k*-3 - 5 Month IRA
OTHER TIERS: 0.20% $500 - $10k | 0.25% $10k - $50k | 0.30% $50k - $100k

Sharonview Federal Credit Union has 17 locations. Click to view all Sharonview Federal Credit Union locations.