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50+ Years
experience
Your Trusted Financial Partner in Sheboygan, WI
Sheboygan Area Credit Union (SACU) has served member-owners in Sheboygan County since 1954, operating as a not-for-profit financial cooperative. Founded to provide accessible financial services to local employees, the credit union has grown to offer comprehensive banking solutions while maintaining its community-focused mission. Our services include home equity loans, auto financing, business lending, and digital banking tools designed for modern financial needs. With two physical branches and surcharge-free access to thousands of ATMs nationwide, we prioritize convenience and accessibility for all members. Our digital wallet integration, mobile deposit capabilities, and 24/7 online banking reflect our commitment to technological innovation.

As a member-owned institution, we reinvest earnings to benefit our community through competitive rates and personalized service. Our team combines decades of local expertise with modern financial solutions to meet evolving member needs. Through challenges like the 1973 office fire, we've demonstrated resilience and adaptability while maintaining core values. Today, we continue expanding digital services like Picture Pay and Brella Debit Card Manager to enhance financial security. Our mission remains unchanged: delivering progressive financial services aligned with credit union principles.
Services
Home Equity Loans Auto Loans Credit Cards Business Loans Student Loans Mobile Banking Bill Pay Services Digital Wallet Integration
Details
  • Year established: 1954
Highlights and features
  • We operate as a member-owned financial cooperative since 1954
  • Our digital banking includes mobile deposit and contactless payment options
  • We offer surcharge-free access to 4,905 ATMs nationwide
  • Our Brella Debit Card Manager provides real-time fraud protection
  • We maintain local decision-making for personalized financial solutions
Services
Home Equity Loans
Utilize your home's equity for debt consolidation, home improvements, or education expenses. Our flexible home equity lines of credit offer competitive rates based on creditworthiness. Members benefit from personalized loan terms and local decision-making processes.
Mobile Banking
Manage accounts 24/7 through our mobile app with features like mobile deposit, bill pay, and real-time transaction alerts. The platform supports secure digital wallet integration and electronic statements for enhanced security.
Auto Loans
Access competitive APR rates for new and used vehicle purchases with terms based on individual credit profiles. Our loan specialists provide personalized financing options for member vehicles including cars, RVs, and boats.
Business Loans
Support local business growth with tailored lending solutions for working capital, equipment purchases, and commercial property investments. Our underwriting process emphasizes local market knowledge and member relationships.
Digital Wallet Integration
Add SACU debit cards to Apple Pay, Google Pay, or Samsung Pay for secure contactless transactions. This service uses tokenization technology to protect card information during in-store and online purchases.
Questions
How do I apply for a home equity line of credit?
Visit our website to review rates and requirements, then complete an application online or contact our loan department for personalized assistance.
What digital banking features are available?
Our mobile app offers mobile deposit, bill pay, account transfers, e-statements, and real-time transaction alerts through secure messaging.
Are there fees for using Picture Pay?
Standard Picture Pay usage is free, though same-day electronic payments incur a $7.95 fee and overnight mail payments cost $29.95.
How can I protect my debit card from fraud?
Use the Brella Debit Card Manager app to monitor transactions, set spending limits, and receive real-time alerts for suspicious activity.
What are the requirements for membership?
Anyone living, working, or attending school in Sheboygan County qualifies for membership with a $5 minimum share deposit.