--- title: "Sharepoint Credit Union Rates (Nov 2026): CDs to 4.00%" description: "Sharepoint Credit Union rates today: savings & CDs up to 4.00% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Sharepoint Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/minnesota/sharepoint" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Sharepoint Credit Union Rates (Nov 2026): CDs to 4.00% ### Mortgage rates 9 offers | Product | Published | Rate | Term / condition | Status | | **VA IRRRL 30-Year Fixed** 30 year fixed | — APR | 6.715% | — | Standard | | **VA 30-Year Fixed** 30 year fixed | — APR | 7.002% | — | Standard | | **30-Year Fixed** 30 year fixed | — APR | 7.171% | — | Standard | | **15-Year Fixed** 15 year fixed | — APR | 6.556% | — | Standard | | **5/1 ARM** 5 1 arm | — APR | 6.683% | — | Standard | | **Freedom Mortgage** other | — APR | 5.990% | — | Standard | | **Freedom Mortgage (Eight years or less)** other | — APR | 5.990% | — | Standard | | **Freedom Mortgage (9-12 years)** other | — APR | 6.240% | — | Standard | | **30-Year Fixed, Refinance** 30 year fixed | — APR | 6.665% | — | Standard | Sharepoint Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 9 offers | Product | Published | Rate | Term / condition | Status | | **Auto Loans (49-65 Months)** auto_any_65mo | — APR | 4.740% | 65 mo | Standard | | **Auto Loan** auto | — APR | 4.740% | — | Standard | | **Auto Loans (1-48 Months)** auto_any_48mo | — APR | 4.740% | 48 mo | Standard | | **Auto Loans (66-72 Months)** auto_any_72mo | — APR | 5.240% | 72 mo | Standard | | **Auto Loans (73-84 Months)** auto_any_84mo | — APR | 5.740% | 84 mo | Standard | | **Recreational Loan** powersports | — APR | 6.740% | — | Standard | | **Recreational Loans (60 months)** powersports_any_60mo | — APR | 6.740% | 60 mo | Standard | | **Recreational Loans (120 months)** powersports_any_120mo | — APR | 7.240% | 120 mo | Standard | | **Recreational Loans (48 months)** powersports_any_48mo | — APR | 7.240% | 48 mo | Standard | Sharepoint Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 7 offers | Product | Published | Rate | Term / condition | Status | | **HELOC Special 1 (80% Loan to Value)** heloc_variable | — APR | 3.990% | — | Standard | | **Home Equity Loan (Up to 80% Loan to Value)** heloc_fixed | — APR | 5.990% | — | Standard | | **HE Loan** heloc | — APR | 5.990% | — | Standard | | **HELOC 2 (80% Loan to Value)** heloc_variable | — APR | 7.000% | — | Standard | | **Home Equity Loan (Over 80% Loan to Value)** heloc_fixed | — APR | 7.490% | — | Standard | | **Home Equity Loan (Over 80% Loan to Value)*** heloc_fixed | — APR | 8.240% | — | Standard | | **HELOC 2 (90% Loan to Value)** heloc_variable | — APR | 10.000% | — | Standard | Sharepoint Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Secured Personal Loan** personal_secured | — APR | 7.000% | — | Standard | | **Unsecured Personal Loan** personal_unsecured | — APR | 11.490% | — | Standard | | **Unsecured (No Collateral)** personal_unsecured_60mo | — APR | 11.490% | 60 mo | Standard | | **Reserve Line of Credit¹** ploc_variable | — APR | 13.750% | — | Standard | Sharepoint Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 3 offers | Product | Published | Rate | Term / condition | Status | | **SharePoint Pinnacle** credit_card | — APR | 11.900% | — | Standard | | **SharePoint Platinum** credit_card_platinum | — APR | 11.900% | — | Standard | | **SharePoint Classic** credit_card | — APR | 15.900% | — | Standard | Sharepoint Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 29 offers | Product | Published | Rate | Term / condition | Status | | **Primary Savings: $5.00 and Above** savings | — APY | 0.09% | — | Standard | | **Secondary Savings** savings | — APY | 0.09% | — | Standard | | **Choice Plus Checking 2** checking | — APY | 0.10% | — | Standard | | **IRA** ira | — APY | 0.39% | — | Standard | | **Money Market - Daily balance of $5,000 - $24,999.99** money_market | — APY | 0.74% | — | Standard | | **Money Market (Up to $4,999.99)** money_market | — APY | 0.74% | — | Standard | | **Investors Silver Checking 3 balance of $100,000.01 - $250.000.00** checking | — APY | 0.75% | — | Standard | | **Money Market** money_market | — APY | 0.75% | — | Standard | | **Money Market - Daily balance of $50,000 - $99,999.99** money_market | — APY | 0.79% | — | Standard | | **Money Market - Daily balance of $25,000 - $49,999.99** money_market | — APY | 0.79% | — | Standard | | **Money Market - Daily balance of $100,000 - $249,999.99** money_market | — APY | 0.89% | — | Standard | | **Money Market ($250,000+)** money_market | — APY | 0.99% | — | Standard | | **Investors Gold Checking 3 balance of $100,000.01 - $250.000.00** checking | — APY | 1.00% | — | Standard | | **Premier Rate Checking - Ongoing** checking | — APY | 1.00% | — | Standard | | **Investors Silver Checking 3 balance up to $100,000.00** checking | — APY | 1.75% | — | Standard | | **Investors Gold Checking 3 balance up to $100,000.00** checking | — APY | 2.00% | — | Standard | | **6-Month Certificate** share_certificate_6mo | 2.00% APY | 1.98% | 6 mo | Standard | | **12-Month Certificate** share_certificate_12mo | 2.25% APY | 2.23% | 12 mo | Standard | | **11 Month Flex Certificate 1** cd_11mo | 3.30% APY | 3.25% | 11 mo | Standard | | **36-Month Certificate** share_certificate_36mo | 3.60% APY | 3.55% | 36 mo | Standard | | **60-Month Certificate** share_certificate_60mo | 3.60% APY | 3.55% | 60 mo | Standard | | **48-Month Certificate** share_certificate_48mo | 3.60% APY | 3.55% | 48 mo | Standard | | **18-Month Certificate** share_certificate_18mo | 3.60% APY | 3.55% | 18 mo | Standard | | **24-Month Certificate** share_certificate_24mo | 3.60% APY | 3.55% | 24 mo | Standard | | **13-Month Certificate** share_certificate_13mo | 4.00% APY | 3.94% | 13 mo | Standard | | **13-Month Certificate** cd_13mo | — APY | 4.74% | 13 mo | Standard | | **Premier Rate Checking - Introductory** checking | — APY | 5.00% | — | Introductory offer | | **eSavings 1 - Ongoing Rate** other | — APY | 0.10% | — | Standard | | **eSavings 1 - Introductory Rate** other | — APY | 3.00% | — | Introductory offer | Sharepoint Credit Union savings & cd rates as of November 12, 2026 Savings and certificate yields up to 4.00% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/minnesota/sharepoint) , verified from [Sharepoint Credit Union's official website](https://www.sharepointcu.com/) Loading branch locator… ## About Sharepoint Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 20.7K Assets $368.2M Founded 1933 Locations reported 7 NCUA charter 63098 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial education - First-time homebuyer program - Bilingual services - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**MY** Bloomington · Bloomington · MN · 55437 About 1.1 miles away](https://rateapi.dev/credit-unions/minnesota/my) [**Building Trades** Building Trades CU - Bloomington · Bloomington · MN · 55420 About 2.6 miles away](https://rateapi.dev/credit-unions/minnesota/building-trades) [**Royal** Edina Office · Edina · MN · 55435 About 2.9 miles away](https://rateapi.dev/credit-unions/wisconsin/royal) [**Ent** Edina · Edina · MN · 55435 About 3.3 miles away](https://rateapi.dev/credit-unions/colorado/ent) [**Topline Financial** Bloomington · Bloomington · MN · 55420-1020 About 3.5 miles away](https://rateapi.dev/credit-unions/minnesota/topline-financial) [**Toro Employees** Toro Employees Federal Credit Union · Bloomington · MN · 55420 About 3.5 miles away](https://rateapi.dev/credit-unions/minnesota/toro-employees) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Sharepoint Credit Union Membership eligibility from Sharepoint Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Sharepoint Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Partner Companies Verified from [Sharepoint Credit Union's membership page](https://www.sharepointcu.com/resources/about-sharepoint) . Final membership determination is always made by the credit union. ## Membership rules for Sharepoint Credit Union Employers · Family 2 published paths to membership, last verified August 21, 2026, quoted from Sharepoint Credit Union’s own published criteria. ### Employers 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of partner companies “or if you are affiliated with one of our Partner Companies” > [source ↗](https://www.sharepointcu.com/resources/about-sharepoint) - Employee of partner companies ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member immediate family member “You may also be eligible if an immediate family member is a current member” > [source ↗](https://www.sharepointcu.com/resources/about-sharepoint) - Family member (immediate family member) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Sharepoint Credit Union? Yes No ## Work at Sharepoint Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Sharepoint Credit Union ranks against Minnesota peers. - See which AI assistants fetched Sharepoint Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Minnesota - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=sharepoint&state=minnesota&code=MN&name=Sharepoint%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Sharepoint Credit Union offer? Sharepoint Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Sharepoint Credit Union rates updated? RateAPI verifies Sharepoint Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Sharepoint Credit Union's rate data? Rate data is collected directly from Sharepoint Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Sharepoint Credit Union's best CD rate? As of November 12, 2026, Sharepoint Credit Union offers savings and certificate (CD) yields up to 4.00% APY. ### Who can join Sharepoint Credit Union? Sharepoint Credit Union publishes its membership criteria on its own website. RateAPI tracks 2 published membership paths covering 1 employer for Sharepoint Credit Union, each quoted from Sharepoint Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Sharepoint Credit Union's rates against national credit-union benchmarks. [More Minnesota credit unions](https://rateapi.dev/credit-unions/minnesota) [Minnesota mortgage rate leaders](https://rateapi.dev/mortgage-rates/minnesota) [Minnesota auto loan rate leaders](https://rateapi.dev/auto-loan-rates/minnesota) [Minnesota HELOC rate leaders](https://rateapi.dev/heloc-rates/minnesota) [Minnesota personal loan leaders](https://rateapi.dev/personal-loan-rates/minnesota) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.sharepointcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Sharepoint Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Minnesota credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Sharepoint Credit Union curl "https://api.rateapi.dev/credit-unions/minnesota /sharepoint " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Sharepoint Credit Union locations Search, filter, and browse all 7 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/minnesota/sharepoint Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp