Credit union · NCUA insured
Shoreline Hometown Credit Union CD Rates
Top CarrotShoreline Hometown Credit Union’s best CD rate is 4.17% APY on a 20-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Shoreline Hometown Credit Union’s CD rates compare
Compared with banks and credit unions near Manitowoc, WI, where Shoreline Hometown Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Shoreline Hometown Credit Union
4.17%APY
- Term
- 20 months
- Minimum
- $1,000
- Earns on $10,000
- $705
Flex Certificate
Top rate
Community First Credit Union
5.05%APY
- Term
- 5 months
- Minimum
- —
- Earns on $10,000
- $207
2nd-highest rate
Kohler Credit Union
5.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $373
Shoreline Hometown Credit Union CD score
87
CD score
Higher than 78% of U.S. banks and credit unions
- 3–8 months3–8 mo2.99%
- 9–15 months9–15 mo3.13%
- 16–30 months16–30 mo4.17%
- 31–60 months31–60 mo4.05%
- QualifiedQualified4.17%
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 Shoreline Hometown Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Flex Certificate
Up to 4.17%APY · 3 terms
Allows continuous deposits over the duration of the certificate's term. Requires new money deposits. Compounded and credited quarterly. Penalty for early withdrawal is half of interest earned over the term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsRequires $10,000 new money deposit | 2.99% | $74 |
| 20 monthsRequires $1,000 new money deposit | 4.17% | $705 |
| 60 monthsRequires $1,000 new money deposit | 4.05% | $2,196 |
Sources (3)
All captured Oct 16, 2026
Share Certificate
Up to 4.01%APY · 6 terms
Membership eligibility required. Dividends compounded and credited quarterly. Penalty for early withdrawal is half of the interest earned over the term of the certificate. $1,000 minimum deposit ($500 for custodial accounts). Automatic renewal at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months$500 minimum opening balance for custodial accounts | 2.20% | $109 |
| 12 months$500 minimum opening balance for custodial accounts | 3.13% | $313 |
| 24 months$500 minimum opening balance for custodial accounts | 4.01% | $818 |
| 36 months$500 minimum opening balance for custodial accounts | 3.80% | $1,184 |
| 48 months$500 minimum opening balance for custodial accounts | 3.65% | $1,542 |
| 60 months$500 minimum opening balance for custodial accounts | 3.85% | $2,079 |
Sources (3)
All captured Oct 16, 2026
Bump-Up Flex Certificate
3.75%APY · 1 term
Allows continuous deposits anytime. Offers up to three rate bumps over the certificate term. $5,000 new money deposit. Penalty for early withdrawal is half of the interest earned over the term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 months$5,000 new money deposit. Allows up to 3 rate bumps over term | 3.75% | $1,168 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
IRA Certificate
Up to 4.01%APY · 6 terms
Available as Traditional or Roth IRA. Membership eligibility required. Dividends compounded and credited quarterly. Penalty for early withdrawal as governed by the IRS and half of the interest earned over the term of the certificate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months$500 minimum deposit for custodial accounts | 2.20% | $109 |
| 12 months$500 minimum deposit for custodial accounts | 3.13% | $313 |
| 24 months$500 minimum deposit for custodial accounts | 4.01% | $818 |
| 36 months$500 minimum deposit for custodial accounts | 3.80% | $1,184 |
| 48 months$500 minimum deposit for custodial accounts | 3.65% | $1,542 |
| 60 months$500 minimum deposit for custodial accounts | 3.85% | $2,079 |
Sources (3)
All captured Oct 16, 2026
Bump-Up IRA Certificate
3.75%APY · 1 term
Provides option to bump up interest rate if rates go up. $5,000 minimum deposit, new money only. Interest compounded quarterly. Penalty for early withdrawals as governed by the IRS.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 months$5,000 new money. Up to three rate-bumps over the term of the SC | 3.75% | $1,168 |
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.