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Sharon & Crescent United Credit Union is a member-owned financial cooperative serving Massachusetts and Rhode Island with competitive rates on auto loans, home equity, debt consolidation, and savings products.
Data compiled from public sources
Sharon & Crescent United Credit Union (SCU) is a not-for-profit credit union headquartered in Massachusetts with Routing #211385556. The credit union has been serving members since at least 1969, indicating decades of operational history. SCU is federally regulated and insured through NCUA, operating as a traditional member-owned cooperative rather than a for-profit bank.
SCU offers a comprehensive range of consumer and business banking services including auto loans (rates as low as 4.99% APR), home equity loans (5.99% APR), debt consolidation with rate claims to verify, home renovation financing, Mass Save Heat Loans (0% APR), share savings accounts, and business banking solutions. Members can access online banking, mobile banking, payment services, and a Credit Score Simulator tool. The credit union also provides access to exclusive member benefits like discounted TurboTax (20% off) and H&R Block tax preparation services (up to $25 off).
SCU distinguishes itself through community partnerships, notably collaborating with Boys & Girls Clubs of Metro South to empower youth in Southeastern Massachusetts. The credit union serves a defined geographic region across eight Massachusetts counties (Barnstable, Bristol, Dukes, Middlesex, Nantucket, Norfolk, Plymouth, Suffolk) plus specific towns and Rhode Island counties, maintaining a community-focused membership model. Member testimonials consistently highlight friendly, knowledgeable staff and personalized service across multiple branch locations.
As a credit union, SCU members benefit from not-for-profit structure meaning profits are returned to members rather than shareholders. However, membership is geographically restricted, and the website provides limited detailed information about specific loan terms, fees, minimum deposit requirements, or comprehensive product comparisons relative to competing institutions. Service availability and product offerings appear tailored to regional retail banking needs rather than listed lending.
This is state-level context for Credit Unions consumers in Sharon, MA. It does not confirm that Sharon & Crescent United or this specific location is licensed.
State regulator
Massachusetts Division of Banks
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Sharon & Crescent United processed 535 mortgage applications in 2023, with 86.5% recorded as approved across 2 states.
535
Applications
86.5%
Approval Rate
$163K
Avg Loan
2
States Served
Based on 535 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
Sharon & Crescent United offers 12 services including Auto loans with rates as low as 4.99% APR, Home equity loans (5.99% APR minimum advertised), Debt consolidation loans with competitive rates, Mass Save Heat Loans (0% APR for energy efficiency), Personal savings and share accounts, and 7 more.
Sharon & Crescent United has profile signals associated with Massachusetts and Rhode Island residents seeking competitive auto refinancing and home equity loans, Homeowners interested in energy-efficient upgrades through Mass Save programs, Small business owners in the service area needing personal and business banking in one institution, Long-term savers and debt consolidation candidates who value credit union member-ownership benefits.
Key strengths: Auto loan rates as low as 4.99% APR with streamlined online application process; Home equity loans starting at 5.99% APR for renovations and home improvements; 0% APR Mass Save Heat Loans for energy-efficient home upgrades. Areas to consider: Membership restricted to specific geographic areas (8 Massachusetts counties + select towns and Rhode Island counties); Limited transparency on website regarding specific loan terms, fees, APR ranges, and minimum deposit amounts.
In the Credit Unions category, comparable providers include 600 Atlantic, Alden, Alpha. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
SCU Credit Union is best suited for Massachusetts and Rhode Island residents within the membership service area seeking rate claims to verify on auto loans, home equity products, and debt consolidation with a community-focused institution. The main caveat is strict geographic membership eligibility requirements and limited online transparency regarding specific rates, fees, and product terms—prospective members must contact branches or apply directly to obtain detailed pricing.
Federal credit union offering savings, checking, auto loans, mortgages, credit cards, and HELOCs to members. NCUA-insured with additional coverage through Mass Share Insurance Corp.
Profile signals: Eligible credit union members seeking no-fee checking and savings accounts, Borrowers with good credit looking for competitive auto and home loan rates
Member-owned credit union serving Hampden, Hampshire, and Worcester Counties in Massachusetts with competitive loan rates, free online banking, and ATM access.
Profile signals: Massachusetts residents in Hampden, Hampshire, or Worcester Counties seeking competitive loan rates without excessive fees, Small business owners and self-employed individuals needing local relationship banking with rate claims to verify
State-chartered Massachusetts credit union serving healthcare workers and their families since 1942, offering consumer loans, home equity products, and card management tools.
Profile signals: Healthcare workers at Boston-area medical institutions seeking member-owned cooperative banking with lifetime membership stability, Families of healthcare employees who want to maintain credit union membership across employment changes and relocations
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