Credit union · NCUA insured
Shoreline Hometown Credit Union Auto Loan Rates
Top CarrotShoreline Hometown Credit Union auto loans start at 4.49% APR for a new vehicle and 4.49% for a used one. Rates checked October 16, 2026.
How Shoreline Hometown Credit Union’s auto loan rates compare
Compared with banks and credit unions near Manitowoc, WI, where Shoreline Hometown Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Shoreline Hometown Credit Union
4.49%APR
- Terms
- up to 60 months
- Discount
- None included
Auto Loan
Lowest rate
Community First Credit Union
3.50%APR
- Terms
- up to 66 months
- Discount
- None included
3rd-lowest rate
UnitedOne Credit Union
4.49%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Shoreline Hometown Credit Union auto loan score
89
Auto loan score
Higher than 89% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Shoreline Hometown Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loan
Financing available at equal rates regardless of vehicle year for new, used, or classic cars and trucks. Loan terms up to 84 months. Membership eligibility required; loan terms and conditions based on credit qualifications, relationship, and approval. Rate subject to loan-to-value ratios, term length, and credit score.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.49% | Rate is 'as low as'. Up to 90-day no payments available (interest begins to accrue from date of loan disbursal). Promotional rate condition footnote requires $15,000 new money, eStatements, >=15 debit transactions/mo (excluding ATM), and >=$500/mo direct deposit for 0.50% rebate. |
| up to 36 months | 4.49% | Rate is 'as low as'. Up to 90-day no payments available (interest begins to accrue from date of loan disbursal). Promotional rate condition footnote requires $15,000 new money, eStatements, >=15 debit transactions/mo (excluding ATM), and >=$500/mo direct deposit for 0.50% rebate. |
| up to 48 months | 4.49% | Rate is 'as low as'. Up to 90-day no payments available (interest begins to accrue from date of loan disbursal). Promotional rate condition footnote requires $15,000 new money, eStatements, >=15 debit transactions/mo (excluding ATM), and >=$500/mo direct deposit for 0.50% rebate. |
| up to 60 months | 4.49% | Rate is 'as low as'. Up to 90-day no payments available (interest begins to accrue from date of loan disbursal). Promotional rate condition footnote requires $15,000 new money, eStatements, >=15 debit transactions/mo (excluding ATM), and >=$500/mo direct deposit for 0.50% rebate. |
| up to 72 months | 4.74% | Rate is 'as low as'. Up to 90-day no payments available (interest begins to accrue from date of loan disbursal). Promotional rate condition footnote requires $15,000 new money, eStatements, >=15 debit transactions/mo (excluding ATM), and >=$500/mo direct deposit for 0.50% rebate. |
| up to 84 months | 5.74% | Rate is 'as low as'. Up to 90-day no payments available (interest begins to accrue from date of loan disbursal). Promotional rate condition footnote requires $15,000 new money, eStatements, >=15 debit transactions/mo (excluding ATM), and >=$500/mo direct deposit for 0.50% rebate. |
Sources (2)
All captured Oct 16, 2026
Who can join Shoreline Hometown Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- You are eligible to join if you live or work in Manitowoc, Kewaunee, Brown, Calumet, Door, Outagamie, Winnebago, Fond du Lac, or Sheboygan counties.
Family and household
- You are eligible to join if you are related to a resident of Manitowoc, Kewaunee, Brown, Calumet, Door, Outagamie, Winnebago, Fond du Lac, or Sheboygan Counties.
Cost to join
- Opening membership requires a savings account deposit of at least $5.
Membership information collected October 5, 2026.