Sharepoint Credit Union
Developers & AI agents: this data is available as JSON at GET https://api.rateapi.dev/credit-unions/minnesota/sharepoint — free API key in one request (POST https://api.rateapi.dev/keys, email only). MCP server: rateapi.dev/mcp.
Verified rate book
Current Sharepoint Credit Union rates
54 published offers verified as of August 21, 2026.
Mortgage rates
7 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| VA IRRRL 30-Year Fixed30 year fixed | 6.233% APR | 6.233% | — | Standard |
| VA 30-Year Fixed30 year fixed | 6.387% APR | 6.387% | — | Standard |
| 30-Year Fixed30 year fixed | 6.685% APR | 6.685% | — | Standard |
| 15-Year Fixed15 year fixed | 6.222% APR | 6.222% | — | Standard |
| Freedom Mortgage (Eight years or less)other | 5.990% APR | 5.990% | — | Standard |
| Freedom Mortgage (9-12 years)other | 6.240% APR | 6.240% | — | Standard |
| 30-Year Fixed, Refinance30 year fixed | 6.825% APR | 6.825% | — | Standard |
Auto & vehicle rates
12 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Auto Loans (49-65 Months)auto_any_65mo | 4.740% APR | 4.740% | 65 mo | Standard |
| Auto Loanauto | 4.740% APR | 4.740% | — | Standard |
| Auto Loans (1-48 Months)auto_any_48mo | 4.740% APR | 4.740% | 48 mo | Standard |
| Auto Loans (66-72 Months)auto_any_72mo | 5.240% APR | 5.240% | 72 mo | Standard |
| Auto Loans (73-84 Months)auto_any_84mo | 5.740% APR | 5.740% | 84 mo | Standard |
| 60-Month Boat Loanboat_any_60mo | 5.990% APR | 5.990% | 60 mo | Standard |
| 120-Month Boat Loanboat_any_120mo | 6.490% APR | 6.490% | 120 mo | Standard |
| Recreational Loans (60 months)powersports_any_60mo | 6.740% APR | 6.740% | 60 mo | Standard |
| Recreational Loanpowersports | 6.740% APR | 6.740% | — | Standard |
| 180-Month Boat Loanboat_any_180mo | 6.990% APR | 6.990% | 180 mo | Standard |
| Recreational Loans (120 months)powersports_any_120mo | 7.240% APR | 7.240% | 120 mo | Standard |
| Recreational Loans (48 months)powersports_any_48mo | 7.240% APR | 7.240% | 48 mo | Standard |
HELOC rates
6 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Home Equity Loan (Up to 80% Loan to Value)heloc_fixed | 5.990% APR | 5.990% | — | Standard |
| HE Loanheloc | 5.990% APR | 5.990% | — | Standard |
| HELOC (80% Loan to Value)heloc_variable | 6.750% APR | 6.750% | — | Standard |
| Home Equity Loan (Over 80% Loan to Value)heloc_fixed | 7.490% APR | 7.490% | — | Standard |
| Home Equity Loan (Over 80% Loan to Value)*heloc_fixed | 8.240% APR | 8.240% | — | Standard |
| HELOC (90% Loan to Value)heloc_variable | 9.750% APR | 9.750% | — | Standard |
Personal loan rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Unsecured (No Collateral)personal_unsecured_60mo | 11.490% APR | 11.490% | 60 mo | Standard |
| Unsecured Personal Loanpersonal_unsecured | 11.490% APR | 11.490% | — | Standard |
| Secured Personal Loanpersonal_secured | 11.490% APR | 11.490% | — | Standard |
| Reserve Line of Credit¹ploc_variable | 13.500% APR | 13.500% | — | Standard |
Credit card rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| SharePoint Pinnaclecredit_card | 11.650% APR | 11.650% | — | Standard |
| SharePoint Platinumcredit_card_platinum | 11.650% APR | 11.650% | — | Standard |
| SharePoint Classiccredit_card | 15.650% APR | 15.650% | — | Standard |
Savings & CD rates
22 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Primary Savings: $5.00 and Abovesavings | 0.09% APY | 0.09% | — | Standard |
| Secondary Savingssavings | 0.09% APY | 0.09% | — | Standard |
| IRAira | 0.39% APY | 0.39% | — | Standard |
| Money Market - Daily balance of $5,000 - $24,999.99money_market | 0.74% APY | 0.74% | — | Standard |
| Money Market (Up to $4,999.99)money_market | 0.74% APY | 0.74% | — | Standard |
| Money Marketmoney_market | 0.75% APY | 0.75% | — | Standard |
| Money Market - Daily balance of $25,000 - $49,999.99money_market | 0.79% APY | 0.79% | — | Standard |
| Money Market - Daily balance of $50,000 - $99,999.99money_market | 0.79% APY | 0.79% | — | Standard |
| Money Market - Daily balance of $100,000 - $249,999.99money_market | 0.89% APY | 0.89% | — | Standard |
| Money Market ($250,000+)money_market | 0.99% APY | 0.99% | — | Standard |
| 6-Month Certificateshare_certificate_6mo | 2.00% APY | 1.98% | 6 mo | Standard |
| 12-Month Certificateshare_certificate_12mo | 2.25% APY | 2.23% | 12 mo | Standard |
| 11 Month Flex Certificate 1cd_11mo | 3.30% APY | 3.25% | 11 mo | Standard |
| 36-Month Certificateshare_certificate_36mo | 3.60% APY | 3.55% | 36 mo | Standard |
| 60-Month Certificateshare_certificate_60mo | 3.60% APY | 3.55% | 60 mo | Standard |
| 48-Month Certificateshare_certificate_48mo | 3.60% APY | 3.55% | 48 mo | Standard |
| 18-Month Certificateshare_certificate_18mo | 3.60% APY | 3.55% | 18 mo | Standard |
| 24-Month Certificateshare_certificate_24mo | 3.60% APY | 3.55% | 24 mo | Standard |
| 13-Month Certificateshare_certificate_13mo | 4.00% APY | 3.94% | 13 mo | Standard |
| Refer a Friendsavings | 4.00% APY | 4.00% | — | Standard |
| eSavings 1 - Ongoing Rateother | 0.10% APY | 0.10% | — | Standard |
| eSavings 1 - Introductory Rateother | 3.00% APY | 3.00% | — | Introductory offer |
As of August 21, 2026, Sharepoint Credit Union offers a 30-year fixed mortgage at 6.233% APR. Vehicle loans available from 4.74% APR for 65 months. HELOC rates from 5.99% APR. Personal loan rates from 11.49% APR. Credit card rates from 11.65% APR. Savings and certificate yields up to 4.00% APY.
Source: RateAPI.dev, verified from Sharepoint Credit Union's official website
Live market position · Rates as of August 21, 2026
Where Sharepoint Credit Union ranks in Minnesota
How Sharepoint Credit Union's current published rate compares with other Minnesota credit unions we track in the same product. State best and median come from RateAPI's verified rate book; only products with enough tracked lenders to rank are shown.
| Product | Published APR | Position | Vs. state best | Vs. state median |
|---|---|---|---|---|
| 30-year fixed mortgage | 6.23% | #1 of 11 · lowest in Minnesota | State market leader | 52 bp better than median |
| HELOC | 5.99% | Better than the Minnesota median | 200 bp from state best | 51 bp better than median |
| personal loan | 11.49% | Room to improve vs. the Minnesota median | 994 bp from state best | 249 bp behind median |
This is the public snapshot. Claim Sharepoint Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up.
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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. 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.
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.
Membership criteria are published on Sharepoint Credit Union's website. Check the membership page below to confirm whether you qualify.
- EmployerPartner Companies
Verified from Sharepoint Credit Union's membership page. 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
Employee of Partner Companies
- Employee of partner companies
“or if you are affiliated with one of our Partner Companies”
source ↗
Family 1
Auto-verified against the source page
Family member (immediate family member) of a member
- Family of a member immediate family member
“You may also be eligible if an immediate family member is a current member”
source ↗
Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. How we verify membership rules. Final membership determination is always made by the credit union.
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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 August 21, 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 August 21, 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 mortgage rate?
As of August 21, 2026, Sharepoint Credit Union offers a 30-year fixed mortgage at 6.233% APR.
What are Sharepoint Credit Union's auto, boat & powersports loan rates?
As of August 21, 2026, Sharepoint Credit Union offers vehicle loans from 4.74% APR.
What is Sharepoint Credit Union's HELOC rate?
As of August 21, 2026, Sharepoint Credit Union offers home equity lines of credit from 5.99% APR.
What is Sharepoint Credit Union's personal loan rate?
As of August 21, 2026, Sharepoint Credit Union offers personal loans from 11.49% APR.
What is Sharepoint Credit Union's best CD rate?
As of August 21, 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.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.
View MethodologyTrack Sharepoint Credit Union rates
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# Get rates for Sharepoint Credit Union
curl "https://api.rateapi.dev/credit-unions/minnesota/sharepoint" \
-H "Authorization: Bearer YOUR_API_KEY"