Overview / Commentary
3131 Mishicot Road
Two Rivers, WI 54241

Shoreline Credit Union is headquartered in Manitowoc and is the 46th largest credit union in the state of Wisconsin. It is also the 1,688th largest credit union in the nation. It was established in 1941 and as of December of 2018, it had grown to 34 employees and 8,755 members at 2 locations. Shoreline Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live or work in Kewaunee, Manitowoc, Calumet, Brown, Door, Outagamie, Winnebago, Fond du Lac or Sheboygan counties in Wisconsin.
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 Their website does feel a bit lacking and outdated, but it gets your needs done.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.

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Shoreline Credit Union has a relatively low asset base.

Health Grade Components

NCUA #66447
Year Chartered1941
Primary Regulator
Profit Margin
Return on Assets - YTD0.13%
Return on Equity - YTD1.26%
Annual Interest Income$3.4MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$92.1MM$96.6MM
LoansQ4 2018vs Q4 2017$60.6MM$64.7MM
DepositsQ4 2018vs Q4 2017$82.6MM$80.5MM
Equity CapitalQ4 2018vs Q4 2017$9.3MM$9.5MM
Loan Loss AllowanceQ4 2018vs Q4 2017$269.00K$249.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$267.00K$302.00K
Real Estate OwnedQ4 2018vs Q4 2017$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

0.50%*$25k*-Health Savings Account (HSA)
OTHER TIERS: 0.05% $100 - $2.5k | 0.25% $2.5k - $10k | 0.35% $10k - $25k
0.10%*$10k*$100kPrimary Share
OTHER TIERS: 0.05% $500 - $10k
0.10%*$10k*$100kSecondary Share
OTHER TIERS: 0.05% $500 - $10k
0.10%*$500*$10kFreedom Club
OTHER TIERS: 0.05% Up to $500
0.10%*$500*$10kPete Pirate Club
OTHER TIERS: 0.05% Up to $500
0.10%$500-IRA Variable Rate Savings
0.05%--Christmas Club

Shoreline Credit Union Money Market Rates

0.40%*$100k*-Advantage Money Market
OTHER TIERS: 0.10% $5k - $50k | 0.20% $50k - $75k | 0.30% $75k - $100k
0.30%*$25k*-Traditional Money Market
OTHER TIERS: 0.05% $2k - $5k | 0.10% $5k - $10k | 0.15% $10k - $25k

Shoreline Credit Union Checking Account Rates

0.02%$1k$100kAdvantage Checking

Shoreline Credit Union CD Rates

1.10%$5k-36 Month Bump-Up CD
0.75%$5k-36 Month Shoreline PRIME CD
0.70%$1k-60 Month CD
0.60%$1k-48 Month CD
0.50%$5k-38 Month Member’s Choice CD
0.50%$5k-24 Month Shoreline PRIME CD
0.50%$1k-36 Month CD
0.40%$1k-24 Month CD
0.30%$1k-12 Month CD
0.25%$5k-12 Month Shoreline PRIME CD
0.20%$1k-6 Month CD

Shoreline Credit Union IRA Rates

0.70%$1k-60 Month IRA
0.60%$1k-48 Month IRA
0.50%$1k-36 Month IRA
0.40%$1k-24 Month IRA
0.30%$1k-12 Month IRA
0.20%$1k-6 Month IRA

Shoreline Credit Union Locations
Branch Office3131 Mishicot RdTwo Rivers, WI 54241
Branch Office4400 Calumet AveManitowoc, WI 54220

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