Credit union · NCUA insured
Shoreline Hometown Credit Union Savings Rates
Top CarrotShoreline Hometown Credit Union’s best savings rate is 1.32% APY on $10,000, with its Hometown HYSA. Rates checked October 16, 2026.
How Shoreline Hometown Credit Union’s savings 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
1.32%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $132
Hometown HYSA
Top rate
Kohler Credit Union
3.50%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $350
2nd-highest rate
Associated Bank
3.20%APY
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000 a year
- $320
Shoreline Hometown Credit Union savings score
88
Savings score
Higher than 80% of U.S. banks and credit unions
- $1,000 balance$1,0001.32%
- $10,000 balance$10,0001.32%
- $100,000 balance$100,0001.32%
- QualifiedQualified1.32%
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 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.
Elite Money Market
0.20%APY
Tiered rate account. Minimum opening deposit of $50,000. Minimum balance of $5,000 to earn dividends. Membership eligibility required.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5,000 – $49,999Average monthly balance tier. Minimum deposit $50,000, $5,000+ earn dividends. | 0.20% | $20 | Average monthly balance tier. Minimum deposit $50,000, $5,000+ earn dividends. |
| $50,000 – $74,999Average monthly balance tier. Minimum deposit $50,000, $5,000+ earn dividends. | 0.60% | — | Average monthly balance tier. Minimum deposit $50,000, $5,000+ earn dividends. |
| $75,000 – $99,999Average monthly balance tier. Minimum deposit $50,000, $5,000+ earn dividends. | 0.90% | — | Average monthly balance tier. Minimum deposit $50,000, $5,000+ earn dividends. |
| $100,000 – $249,999Average monthly balance tier. Minimum deposit $50,000, $5,000+ earn dividends. | 1.25% | — | Average monthly balance tier. Minimum deposit $50,000, $5,000+ earn dividends. |
| $250,000 – $999,999Average monthly balance tier. Minimum deposit $50,000, $5,000+ earn dividends. | 2.99% | — | Average monthly balance tier. Minimum deposit $50,000, $5,000+ earn dividends. |
| $1,000,000 and upAverage monthly balance tier. Minimum deposit $50,000, $5,000+ earn dividends. | 3.99% | — | Average monthly balance tier. Minimum deposit $50,000, $5,000+ earn dividends. |
Hometown HYSA
1.32%APY
Variable rate account. Membership eligibility required. Minimum opening deposit of $2,500. $2,500 minimum daily balance requirement to earn dividends.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Any balanceUnknown to open | 1.32% | Unknown | $132 | |
| $2,500 and upDividends calculated and accrued daily and assume dividends remain in the account; credited quarterly. · $2,500 to open | 1.32% | $2,500 | $132 | Dividends calculated and accrued daily and assume dividends remain in the account; credited quarterly. |
Traditional Money Market
0.25%APY
Tiered rate account. Minimum opening deposit of $1,000. Minimum balance of $2,000 to earn dividends. Membership eligibility required.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 – $4,999Average monthly balance tier. Minimum deposit $1,000, $2,000+ earn dividends. | 0.05% | — | Average monthly balance tier. Minimum deposit $1,000, $2,000+ earn dividends. |
| $5,000 – $9,999Average monthly balance tier. Minimum deposit $1,000, $2,000+ earn dividends. | 0.10% | — | Average monthly balance tier. Minimum deposit $1,000, $2,000+ earn dividends. |
| $10,000 – $19,999Average monthly balance tier. Minimum deposit $1,000, $2,000+ earn dividends. | 0.25% | $25 | Average monthly balance tier. Minimum deposit $1,000, $2,000+ earn dividends. |
| $20,000 – $29,999Average monthly balance tier. Minimum deposit $1,000, $2,000+ earn dividends. | 0.40% | — | Average monthly balance tier. Minimum deposit $1,000, $2,000+ earn dividends. |
| $30,000 – $39,999Average monthly balance tier. Minimum deposit $1,000, $2,000+ earn dividends. | 0.50% | — | Average monthly balance tier. Minimum deposit $1,000, $2,000+ earn dividends. |
| $40,000 – $74,999Average monthly balance tier. Minimum deposit $1,000, $2,000+ earn dividends. | 0.60% | — | Average monthly balance tier. Minimum deposit $1,000, $2,000+ earn dividends. |
| $75,000 and upAverage monthly balance tier. Minimum deposit $1,000, $2,000+ earn dividends. | 0.70% | — | Average monthly balance tier. Minimum deposit $1,000, $2,000+ earn dividends. |
Savings Account
0.05%APY
Membership eligibility required. $5 deposit to own one share of Shoreline Credit Union. No minimum balance or maintenance fee.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| $100 – $499Primary & Secondary Share. Dividends earned daily, paid quarterly. $5 opening deposit for Primary only. · $5 to open | 0.02% | $5 | — | Primary & Secondary Share. Dividends earned daily, paid quarterly. $5 opening deposit for Primary only. |
| $100 – $499Primary and Secondary (Average monthly balance). · Unknown to open | 0.02% | Unknown | — | Primary and Secondary (Average monthly balance). |
| $500 and upPrimary & Secondary Share. Dividends earned daily, paid quarterly. $5 opening deposit for Primary only. · $5 to open | 0.05% | $5 | $5 | Primary & Secondary Share. Dividends earned daily, paid quarterly. $5 opening deposit for Primary only. |
| $500 – $9,999Primary and Secondary (Average monthly balance). · Unknown to open | 0.05% | Unknown | — | Primary and Secondary (Average monthly balance). |
| $10,000 and upPrimary and Secondary (Average monthly balance). · Unknown to open | 0.05% | Unknown | $5 | Primary and Secondary (Average monthly balance). |
Sources (4)
- shorelinecu.org/checking-savings/savings-accounts
- shorelinecu.org/checking-savings
- shorelinecu.org/rates-sheet
- shorelinecu.org/rates
All captured Oct 5, 2026
Special-purpose accounts
Health Savings Account (HSA)
0.20%APY
Membership eligibility required. Tax-free earnings and tax-free withdrawals for qualified medical expenses.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $2,499Dividends compounded & credited monthly. | 0.10% | — | Dividends compounded & credited monthly. |
| $2,500 – $9,999Dividends compounded & credited monthly. | 0.15% | — | Dividends compounded & credited monthly. |
| $10,000 – $24,999Dividends compounded & credited monthly. | 0.20% | $20 | Dividends compounded & credited monthly. |
| $25,000 and upDividends compounded & credited monthly. | 0.30% | — | Dividends compounded & credited monthly. |
Sources (2)
All captured Oct 16, 2026
Christmas Club Account
Up to 0.10%APY
Membership eligibility required. No minimum balance. On the last business day of October, all funds will be transferred to your regular share account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance | 0.10% | $10 | |
| Any balanceDividends earned daily, credited annually.Any balance | 0.05% | $5 | Dividends earned daily, credited annually. |
Sources (3)
All captured Sep 18, 2026
IRA Variable Rate Savings
0.10%APY
Membership eligibility required. Available as Traditional or Roth IRA.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded & credited quarterly.Any balance | 0.10% | $10 | Dividends compounded & credited quarterly. |
Sources (2)
All captured Oct 16, 2026
The Hometown Kids Club
Up to 0.10%APY
Membership eligibility required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $499 | 0.05% | — |
| $500 – $9,999 | 0.10% | — |
Sources (1)
- shorelinecu.org/rates · 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.