Credit union · NCUA insured
Sheboygan Area CU Savings Rates
Sheboygan Area CU’s best savings rate is 0.40% APY on $10,000, with its Premium Money Market. Rates checked October 16, 2026.
How Sheboygan Area CU’s savings rates compare
Compared with banks and credit unions near Sheboygan, WI, where Sheboygan Area CU has the most branches. $10,000, best rate first.
This credit union’s best
Sheboygan Area CU
0.40%APY
- Earns on $10,000 a year
- $40
Premium Money Market
Top rate
UMB Bank
3.71%APY
- Earns on $10,000 a year
- $371
2nd-highest rate
Kohler Credit Union
3.50%APY
- Earns on $10,000 a year
- $350
Sheboygan Area CU savings score
76
Savings score
Higher than 42% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0001.75%
- QualifiedQualified0.40%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Sheboygan Area CU ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Premium Money Market
0.40%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10,000 and upDividend period: Monthly. | 0.40% | $40 | Dividend period: Monthly. |
| $25,000 and upDividend period: Monthly. | 0.75% | — | Dividend period: Monthly. |
| $50,000 and upDividend period: Monthly. | 1.21% | — | Dividend period: Monthly. |
| $100,000 and upDividend period: Monthly. | 1.75% | — | Dividend period: Monthly. |
| $150,000 and upDividend period: Monthly. | 2.27% | — | Dividend period: Monthly. |
Sources (1)
- shebareacu.com/savings-rates · captured Sep 18, 2026
Money Market
Up to 0.32%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $100Dividend period: Monthly. | 0.10% | $10 | Dividend period: Monthly. |
| Over $5,000Dividend period: Monthly. | 0.32% | $32 | Dividend period: Monthly. |
| Over $10,000Dividend period: Monthly. | 0.40% | — | Dividend period: Monthly. |
| Over $25,000Dividend period: Monthly. | 0.50% | — | Dividend period: Monthly. |
Share Savings
0.05%APY
Dividends are compounded and paid quarterly on balances of $100.00 or more.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upQuarterly dividend period. $5 minimum deposit to open account and establish membership.$100 and up | 0.05% | $5 | Quarterly dividend period. $5 minimum deposit to open account and establish membership. |
Special-purpose accounts
Christmas Club
0.10%APY
Funds are disbursed on October 1. Early withdrawal penalty: 1 free per year, then $15.00 each.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upAnnual dividend period. Funds disbursed October 1.$25 and up | 0.10% | $10 | Annual dividend period. Funds disbursed October 1. |
Sources (3)
All captured Sep 18, 2026
IRA Share Account
0.10%APY
Tax-deferred retirement savings share account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceQuarterly dividend period. Minimum balance to earn dividends stated as N/A.Any balance | 0.10% | $10 | Quarterly dividend period. Minimum balance to earn dividends stated as N/A. |
Vacation Club
0.10%APY
Funds are disbursed on May 1. Early withdrawal penalty: 1 free per year, then $15.00 each.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upAnnual dividend period. Funds disbursed May 1.$25 and up | 0.10% | $10 | Annual dividend period. Funds disbursed May 1. |
Sources (3)
All captured Sep 18, 2026
Who can join Sheboygan Area CU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals living or working in Sheboygan, Manitowoc, Calumet, Fond du Lac, Ozaukee, or Washington Counties.
Employers and groups
- Membership is open to persons employed by Piggly Wiggly Midwest, LLC, and/or their affiliate stores.
Family and household
- Family members of persons employed by Piggly Wiggly Midwest, LLC, and/or their affiliate stores are eligible to join.
Cost to join
- Membership requires a $5.00 share deposit into a savings account.
Membership information collected October 5, 2026.