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Vehicle Loans

Shoreline Hometown Credit Union can help you purchase a new or used car or other vehicle such as a recreational vehicle, motorcycle or boat. Become a member and apply for a loan HERE. You can also call or visit our convenient locations in Two Rivers or Manitowoc. Loans are subject to credit approval. Search for your new vehicle by payment using the calculator below, or to search for new or used cars from over 15,000 Dealer Partners visit CAR-TASTIC™.

Auto Loan Rates:


NEW OR USED, TITLED VEHICLE LOAN RATES                                             
Vehicles, Boats, RVs, On-Road Motorcycles
Term APR Rate Monthly Payment**
(up to) (as low as)**  
24 mo. 2.89% $42.93
36 mo. 2.89% $29.03
48 mo. 2.89% $22.09
60 mo. 3.14% $18.03
72 mo. 3.64% $15.48
84 mo. 4.14% $13.73
96 mo.* 4.89% $12.61






ATVs, Snowmobiles, Dirt Bikes, Personal Watercraft

Term APR Rate Monthly Payment**
(up to) (as low as)**  
24 mo. 6.89% $44.72
36 mo. 6.89% $30.83
48 mo. 6.89% $23.90 
60 mo. 7.14% $19.87
72 mo. 7.89% $17.48 









$40,000 and Over.

Term APR Rate Monthly Payment**
(up to) (as low as)*  
120 mo. 5.39% $10.80
*96 month available to highly qualified borrowers on loan amounts of $35,000 or greater. Only new, not previously titled autos/trucks and RVs, current year or newer. **100% Loan-To-Value. Monthly payment is based on payment per $1,000 borrowed for rate and term. Rates effective as of 11/1/2019. All rates subject to change.
Federally insured by NCUA.


Take a winter break and make no loan payments for 90 days when you bring a new loan to Shoreline Hometown Credit Union.

Think about it.

Total payment freedom for 90 days.

Take a payment holiday and get some extra spending money. Or catch up on your bills. So enter the payment-free zone and hurry in to any one of our two convenient locations or apply online at 


This offer applies to all consumer closed end loans. Loan terms and conditions are based on credit qualifications, relationship and approval. Rates, terms and conditions are subject to change. Interest will begin to accrue from the date of loan disbursal and will be amortized over the monthly loan payments for the ‘Take a winter break’ 90 Day no Pay offer. Up to 90 Days with approved credit. Offer valid through 1/31/2020. Membership eligibility required.Mortgage loans not included in this program. 90 Day no pay for (A & B) 680+ credit score and up to a 72 month loan. 90 days no pay for (C) 640-679 up to 48 months and 60 days no pay on 60 month loans. Shoreline Hometown Credit Union existing loans do not qualify.
Federally insured by the NCUA.



Shoreline Hometown Credit Union is pleased to announce CAR-TASTIC™, your one stop auto shop!

CAR-TASTIC™ is the most effective way to save time, money, and stress while searching for your next vehicle! Over 15,000 Dealer Partners share their inventory with CAR-TASTIC giving you plenty of choices!

The CAR-TASTIC™ site allows you to:

  • Search for new or used cars
  • Compare vehicles by make, model and price
  • Access CarFax® reports
  • Request a quote
  • Get pre-approved online
  • Research vehicle specifications
  • Access Kelley Blue Book Price Advisor Tool

Visit the website below to start shopping!




Hometown Loan Rebate Program.

Earn cash back to your loan!

Personalized Hometown service is a major benefit of banking at Shoreline Credit Union. Earn up to 0.50% cash back to your second mortgage, or up to 0.25% cash back to all other new loans by completing these steps.


Here is how you qualify* for 0.25% on consumer and mortgage loans:

  • Direct Deposits totaling $500 per month**
  • Register for Online Banking and eStatements
  • Having either a Hometown Credit Card or Platinum Credit Card on your account.

Here is how you qualify for an additional 0.25% cash back rebate on your new second mortgage:

  • Have an existing first mortgage with Shoreline Hometown Credit Union.
  • Approved and opened new second mortgage.
Consumer and mortgage loans or lines of credit opened after 9/30/2018 are eligible for up to 0.25% cash back. Second mortgages opened after 10/28/2019 qualify for an additional 0.25% cash back, for a total of 0.50% cash back If you meet the monthly qualifying requirements, the earned cash back, based on the loans’ average daily balance for the preceding month will be posted to your loan. All requirements must be completed under the same member number. Credit cards are excluded from receiving a cash back rebate. Loans and credit cards are subject to credit and collateral approval. **Direct Deposits will include credits that are directly deposited into your Shoreline Credit Union account and may include payroll and other ACH entries. The new 2nd mortgage must close 10/28/19 or later
Membership requirements apply. Equal Housing Opportunity. Federally insured by NCUA.




Learn more about GAP (Guaranteed Asset Protection) and MRC (Mechanical Repair Coverage).

Click on the links below to find out more. Protection yourself from unforeseen expenses in case of an accident or major car repairs.

GAP Protection

Mechanical Repair coverage PROTECTION



Looking to buy a new or used car? Shop smart. You may want to check out the car and truck models with the best fuel economy. Click on the button below and download a fuel economy guide courtesy of the U.S. Department of Energy

Fuel Economy Guides


Shoreline lending experts who can assist you with your loan requirements:

Bank from home! For first available Hometown Lender, email us Here


Karen Bauknecht 


NMLS ID 460820

[email protected]

3131 Mishicot Rd.

Two Rivers, WI 54241

Tomas Salinas


NMLS ID 1709773

[email protected]

4400 Calumet Ave.

Manitowoc, WI 54220

Now leaving Shoreline Credit Union

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