Shoreline Credit Union

Overview / Commentary
3131 Mishicot Road
Two Rivers, WI 54241

Shoreline Credit Union is headquartered in Manitowoc and is the 43rd largest credit union in the state of Wisconsin. It is also the 1,610th largest credit union in the nation. It was established in 1941 and as of December of 2023, it had grown to 32 employees and 7,558 members at 3 locations. Shoreline Credit Union's money market rates are 9X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership in Shoreline Hometown Credit Union open to those who live or work in the Wisconsin counties of Brown, Calumet, Door, Fond du Lac, Kewaunee, Manitowoc, Outagamie, Sheboygan, or Winnebago.
See current membership details

Reviews (2)

Shoreline's Authentic Staff.

I have been banking with Shoreline for about 4 years now. When I first opened my savings account, the staff was friendly and genuinely excited to see a new face. The process was quite simple and quick. Eventually I tried applying for a checking account but was rejected according to the CHEX system. They did have an alternative. A startup checking account with a $10 fee every month. At first, I was weary. In my dire need of a checking account I accepted. Turns out it was quite positive. There were no other fees or minimum balance and it accrues interest which is great since I only ever let my savings account grow. After 4 months I was upgraded to a regular checking account and there were no more $10 monthly fees. It's a small credit union with 2 locations, but with its interest only in the people banking with them, it's very trustworthy. Every time I visit the location, I am greeted by name and sometimes they have the popcorn machine running. Their website does feel a bit lacking and outdated, but it gets your needs done. All I really check is my statements. They recently just released a mobile app, although new, it feels too simple. I just use the app for balance checking.


The staff needs to get to know the members and their practices. Its inconvenient to do the same thing every month for years and still get hassled. ....learn your customers.


Health Grade Components

NCUA #66447
Year Chartered1941
Primary Regulator
Profit Margin
Return on Assets - YTD0.24%
Return on Equity - YTD3.24%
Annual Interest Income$5.2MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$127.2MM$128.2MM
LoansQ4 2023vs Q4 2022$95MM$92.3MM
DepositsQ4 2023vs Q4 2022$106.4MM$111.2MM
Equity CapitalQ4 2023vs Q4 2022$9.7MM$9MM
Loan Loss AllowanceQ4 2023vs Q4 2022$185K$110K
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$382K$592K
Real Estate OwnedQ4 2023vs Q4 2022$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Shoreline Credit Union Savings Account Rates

0.30%*$25k*-Health Savings Account (HSA)
OTHER TIERS: 0.10% $100 - $2.5k | 0.15% $2.5k - $10k | 0.20% $10k - $25k
0.10%--Christmas Club
0.10%$500-IRA Variable Rate Savings
0.10%*$10k*-Business Share
OTHER TIERS: 0.05% $500 - $10k
0.10%*$500*-The Hometown Kids Club
OTHER TIERS: 0.05% $5 - $500
0.05%*$500*$100kPrimary Share
OTHER TIERS: 0.02% $100 - $500
0.05%*$500*$100kSecondary Share
OTHER TIERS: 0.02% $100 - $500

Shoreline Credit Union Money Market Rates

4.00%*$1m*-Elite Money Market
OTHER TIERS: 0.20% $5k - $50k | 0.60% $50k - $75k | 0.90% $75k - $100k | 1.25% $100k - $250k | 3.00% $250k - $1m
1.00%*$50k*-Business Money Market
OTHER TIERS: 0.25% $2k - $10k | 0.40% $10k - $25k | 0.50% $25k - $50k
0.70%*$75k*-Traditional Money Market
OTHER TIERS: 0.05% $2k - $5k | 0.10% $5k - $10k | 0.25% $10k - $20k | 0.40% $20k - $30k | 0.50% $30k - $40k | 0.60% $40k - $75k

Shoreline Credit Union CD Rates

5.35%$10k-3 Month Flex Share Certificate Special - New Money
4.00%$1k-20 Month Flex Share Certificate Special - New Money
3.56%$1k-60 Month Flex Share Certificate Special - New Money
2.94%$1k-60 Month CD
2.85%$1k-36 Month CD
2.74%$5k-36 Month Bump-Up Flex SC Special - New Money
2.70%$1k-48 Month CD
2.33%$1k-24 Month CD
1.82%$1k-12 Month CD
1.26%$1k-6 Month CD

Shoreline Credit Union IRA Rates

2.94%$1k-60 Month IRA
2.85%$1k-36 Month IRA
2.74%$5k-36 Month Bump-Up IRA Special - New Money
2.70%$1k-48 Month IRA
2.33%$1k-24 Month IRA
1.82%$1k-12 Month IRA
1.26%$1k-6 Month IRA

Shoreline Credit Union Locations
Branch Office3131 Mishicot RdTwo Rivers, WI 54241
Branch Office4400 Calumet AveManitowoc, WI 54220
Branch Office2354 E Mason StGreen Bay, WI 54302

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