--- title: "Southern Lakes Credit Union Rates (Nov 2026): CDs to 3.75%" description: "Southern Lakes Credit Union rates today: savings & CDs up to 3.75% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Southern Lakes Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/wisconsin/southern-lakes" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Southern Lakes Credit Union Rates (Nov 2026): CDs to 3.75% ### Auto & vehicle rates 7 offers | Product | Published | Rate | Term / condition | Status | | **Titled Vehicles (72 Months)** auto_any_72mo | — APR | 4.907% | 72 mo | Context only | | **Titled Vehicles (Up to 60 Months)** auto_any_60mo | — APR | 4.910% | 60 mo | Context only | | **Titled Vehicles (84 Months)** auto_any_84mo | — APR | 5.405% | 84 mo | Context only | | **Titled RVs, Motor Homes, and Boats (Up to 60 Months)** rv_any_60mo | — APR | 6.210% | 60 mo | Standard | | **Non-Titled Vehicles, ATVs, RVs, and Boats (Up to 60 Months)** powersports_any_60mo | — APR | 6.460% | 60 mo | Standard | | **Titled RVs, Motor Homes, and Boats (72 Months)** rv_any_72mo | — APR | 6.476% | 72 mo | Standard | | **Titled RVs, Motor Homes, and Boats (84 Months)** rv_any_84mo | — APR | 7.465% | 84 mo | Standard | Southern Lakes Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Fixed Rate HELOC (Up to 80% LTV; 5 year draw then 10 year repayment)** heloc_fixed | — APR | 6.240% | — | Standard | Southern Lakes Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Lifestyle Unsecured Loans (Up to 36 Months)** personal_unsecured_36mo | — APR | 9.990% | 36 mo | Standard | | **Kwik Cash Line of Credit** ploc_variable | — APR | 10.990% | — | Standard | Southern Lakes Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 26 offers | Product | Published | Rate | Term / condition | Status | | **$5,000 – $7,499.99** savings | — APY | 0.10% | — | Standard | | **Less than $2,000** savings | — APY | 0.10% | — | Standard | | **$7,500 and Greater** savings | — APY | 0.10% | — | Standard | | **$2,000 – $4,999.99** savings | — APY | 0.10% | — | Standard | | **Vacation Share Savings** share_savings | — APY | 0.10% | — | Standard | | **Health Savings Share** savings | — APY | 0.10% | — | Standard | | **Tax Escrow Share Savings** share_savings | — APY | 0.20% | — | Standard | | **Youth Share Savings** share_savings | — APY | 0.25% | — | Eligibility restricted | | **Less than $10,000** savings | — APY | 0.26% | — | Standard | | **$10,000 – $24,999.99** savings | — APY | 0.35% | — | Standard | | **$25,000 – $49,999.99** savings | — APY | 0.38% | — | Standard | | **$50,000 and Greater** savings | — APY | 0.40% | — | Standard | | **6-Month Certificate** share_certificate_6mo | 0.56% APY | 0.55% | 6 mo | Standard | | **Traditional IRA/Roth IRA Term Share Certificates (18 Months)** ira_cd_18mo | 0.56% APY | 0.56% | 18 mo | Standard | | **12-Month Certificate** share_certificate_12mo | 3.25% APY | 3.22% | 12 mo | Standard | | **Term Share Certificates (My CD)** share_certificate | 3.25% APY | 3.22% | — | Standard | | **Traditional IRA/Roth IRA Term Share Certificates (12 Months)** ira_cd_12mo | 3.25% APY | 3.25% | 12 mo | Standard | | **Traditional IRA/Roth IRA Term Share Certificates (36 Months)** ira_cd_36mo | 3.50% APY | 3.47% | 36 mo | Standard | | **Traditional IRA/Roth IRA Term Share Certificates (48 Months)** ira_cd_48mo | 3.50% APY | 3.47% | 48 mo | Standard | | **Traditional IRA/Roth IRA Term Share Certificates (24 Months)** ira_cd_24mo | 3.50% APY | 3.47% | 24 mo | Standard | | **18-Month Certificate** share_certificate_18mo | 3.50% APY | 3.46% | 18 mo | Standard | | **24-Month Certificate** share_certificate_24mo | 3.50% APY | 3.47% | 24 mo | Standard | | **36-Month Certificate** share_certificate_36mo | 3.50% APY | 3.47% | 36 mo | Standard | | **48-Month Certificate** share_certificate_48mo | 3.50% APY | 3.47% | 48 mo | Standard | | **Traditional IRA/Roth IRA Term Share Certificates (60 Months)** ira_cd_60mo | 3.75% APY | 3.71% | 60 mo | Standard | | **60-Month Certificate** share_certificate_60mo | 3.75% APY | 3.71% | 60 mo | Standard | Southern Lakes Credit Union savings & cd rates as of November 12, 2026 ### Other rates 3 offers | Product | Published | Rate | Term / condition | Status | | **84 Months (84 Months)** other | — % | 7.453% | — | Standard | | **84 Months (120 Months)** other | — % | 8.192% | — | Standard | | **84 Months (180 Months)** other | — % | 9.191% | — | Standard | Southern Lakes Credit Union other rates as of November 12, 2026 Savings and certificate yields up to 3.75% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/wisconsin/southern-lakes) , verified from [Southern Lakes Credit Union's official website](https://www.southernlakescu.org/) Loading branch locator… ## About Southern Lakes Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 9.7K Assets $113.2M Founded 1935 Locations reported 3 NCUA charter 66707 Charter type Federally insured state-chartered credit union ### Services and member support - Electronic statements - Financial education - Bilingual services 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. [**Blackhawk Community** Kenosha 75th St · Kenosha · WI · 53142-8131 Branch in the same ZIP](https://rateapi.dev/credit-unions/wisconsin/blackhawk-community) [**Trustone Financial** Green Bay Road · Kenosha · WI · 53142-1425 About 0.9 miles away](https://rateapi.dev/credit-unions/minnesota/trustone-financial) [**Summit** Kenosha · Kenosha · WI · 53142 About 1.2 miles away](https://rateapi.dev/credit-unions/wisconsin/summit) [**Educators** Educators Credit Union -Pleasant Praire · Kenosha · WI · 53142-8425 About 1.4 miles away](https://rateapi.dev/credit-unions/wisconsin/educators) [**Baxter** Kenosha · Kenosha · WI · 53142-8423 About 3.0 miles away](https://rateapi.dev/credit-unions/illinois/baxter) [**Great Lakes** Zion Branch · Zion · IL · 60099 About 8.0 miles away](https://rateapi.dev/credit-unions/illinois/great-lakes) 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 Southern Lakes Credit Union Membership eligibility from Southern Lakes Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Southern Lakes Credit Union's website. Check the membership page below to confirm whether you qualify. - Location kenosha, walworth, milwaukee, racine, rock, waukesha, lake, mchenry — WI, IL - Employer Kenosha Unified School District, Gateway Technical College, Kenosha News, United Communications Corporation, Modine Manufacturing Company, Pioneer Products, Inc., Petersen Machine, US Competition Arms, Inc., Letsch Mfg., Inc., Kolar Arms, Inc. - Association St. Charles Borromeo Church, Burlington, St. Robert Bellarmine Church, Union Grove - Place of worship St. Charles Borromeo Church, Burlington Verified from [Southern Lakes Credit Union's membership page](https://www.southernlakescu.org/membership/) . Final membership determination is always made by the credit union. ## Membership rules for Southern Lakes Credit Union Geography 8 counties · Employers 10 · Associations 2 · Places of worship · Family 2 31 published paths to membership, last verified August 27, 2026, quoted from Southern Lakes Credit Union’s own published criteria. ### Geography 8 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Kenosha County, WI - Lake County, IL - Mchenry County, IL - Milwaukee County, WI - Racine County, WI - Rock County, WI - Walworth County, WI - Waukesha County, WI “You are eligible to join Southern Lakes if you live and/or work in the following Wisconsin counties: Kenosha, Walworth, Milwaukee, Racine, Rock, and Waukesha or in the following Illinois counties: Lake and McHenry.” > [source ↗](https://www.southernlakescu.org/membership/) ### Employers 10 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of Kenosha Unified School District “Employees of the following businesses/organizations: Kenosha Unified School District” > [source ↗](https://www.southernlakescu.org/membership/) - Employee of Kenosha Unified School District - Employee of Gateway Technical College “Gateway Technical College” > [source ↗](https://www.southernlakescu.org/membership/) - Employee of Gateway Technical College - Employee of Kenosha News “Kenosha News” > [source ↗](https://www.southernlakescu.org/membership/) - Employee of Kenosha News - Employee of United Communications Corporation “United Communications Corporation’s Kenosha based employees” > [source ↗](https://www.southernlakescu.org/membership/) - Employee of United Communications Corporation - Employee of Modine Manufacturing Company “Modine Manufacturing Company” > [source ↗](https://www.southernlakescu.org/membership/) - Employee of Modine Manufacturing Company - Employee of Pioneer Products, Inc. “Pioneer Products, Inc.” > [source ↗](https://www.southernlakescu.org/membership/) - Employee of Pioneer Products, Inc. - Employee of Petersen Machine “Petersen Machine” > [source ↗](https://www.southernlakescu.org/membership/) - Employee of Petersen Machine - Employee of US Competition Arms, Inc. “US Competition Arms, Inc.” > [source ↗](https://www.southernlakescu.org/membership/) - Employee of US Competition Arms, Inc. - Employee of Letsch Mfg., Inc. “Letsch Mfg., Inc.” > [source ↗](https://www.southernlakescu.org/membership/) - Employee of Letsch Mfg., Inc. - Employee of Kolar Arms, Inc. “Kolar Arms, Inc.” > [source ↗](https://www.southernlakescu.org/membership/) - Employee of Kolar Arms, Inc. ### Associations 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Member of St. Charles Borromeo Church “St. Charles Borromeo Church, Burlington” > [source ↗](https://www.southernlakescu.org/membership/) - Member of St. Charles Borromeo Church - Member of union “St. Robert Bellarmine Church, Union Grove” > [source ↗](https://www.southernlakescu.org/membership/) - Member of union ### Places of worship 1 Human-reviewed quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of St. Charles Borromeo Church, Burlington “Members of the following churches: St. Charles Borromeo Church, Burlington” > [source ↗](https://www.southernlakescu.org/membership/) - Member of St. Charles Borromeo Church, Burlington ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member “Additionally any member of the immediate family of any existing member may become a member of the Credit Union” > [source ↗](https://www.southernlakescu.org/membership/) - Family member of a member - Family of a member immediate family “Additionally any member of the immediate family of any existing member may become a member of the Credit Union” > [source ↗](https://www.southernlakescu.org/membership/) - Family member (immediate family) 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 Southern Lakes Credit Union? Yes No ## Work at Southern Lakes 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 Southern Lakes Credit Union ranks against Wisconsin peers. - See which AI assistants fetched Southern Lakes Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Wisconsin - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=southern-lakes&state=wisconsin&code=WI&name=Southern%20Lakes%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Southern Lakes Credit Union offer? Southern Lakes Credit Union currently offers vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Southern Lakes Credit Union rates updated? RateAPI verifies Southern Lakes 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 Southern Lakes Credit Union's rate data? Rate data is collected directly from Southern Lakes 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 Southern Lakes Credit Union's best CD rate? As of November 12, 2026, Southern Lakes Credit Union offers savings and certificate (CD) yields up to 3.75% APY. ### Who can join Southern Lakes Credit Union? Southern Lakes Credit Union publishes its membership criteria on its own website. RateAPI tracks 31 published membership paths covering 8 counties, 10 employers, 2 associations and 1 places of worship for Southern Lakes Credit Union, each quoted from Southern Lakes Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Southern Lakes Credit Union's rates against national credit-union benchmarks. [More Wisconsin credit unions](https://rateapi.dev/credit-unions/wisconsin) [Wisconsin auto loan rate leaders](https://rateapi.dev/auto-loan-rates/wisconsin) [Wisconsin HELOC rate leaders](https://rateapi.dev/heloc-rates/wisconsin) [Wisconsin personal loan leaders](https://rateapi.dev/personal-loan-rates/wisconsin) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [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.southernlakescu.org/) ### 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 Southern Lakes Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Wisconsin 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 Southern Lakes Credit Union curl "https://api.rateapi.dev/credit-unions/wisconsin /southern-lakes " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Southern Lakes Credit Union locations Search, filter, and browse all 3 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/wisconsin/southern-lakes Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp