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Space Coast Credit Union

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Space Coast Credit Union Rates & Review November 2026

Q: What are the current interest rates at Space Coast Credit Union?

Current rates for Space Coast Credit Union include: 12-Month CD: 4.25%, 18-Month CD: 4.25%, 24-Month CD: 3.75%, 60-Month CD: 3.75%, Savings: 0.75%

Q: What CD terms does Space Coast Credit Union offer?

Space Coast Credit Union CD rates are 3.85% APY for a 6 month CD, 3.95% APY for a 9 month CD, 4.25% APY for a 12 month CD, 4.25% APY for an 18 month CD, 3.75% APY for a 2 year CD and 3.75% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Space Coast Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Space Coast Credit Union's CD - 12 month rates are at 4.25%, CD - 18 month rates are at 4.25%, CD - 9 month rates are at 3.95%, CD - 6 month rates are at 3.85%, CD - 24 month rates are at 3.75%. Space Coast Credit Union's savings rates are at 0.75%. Space Coast Credit Union's checking rates are as high as 0.30%. Space Coast Credit Union's Fixed Rate Conventional Mortgage - 10 Years - Purchase or Refi rates are at 6.00%, Jumbo Mortgage - 10 Years rates are at 6.12%, Fixed Rate Conventional Mortgage - 15 Years - Purchase rates are at 6.12%, Jumbo Mortgage - 15 Years rates are at 6.25%, Fixed Rate Conventional Mortgage - 15 Years - Refinance rates are at 6.25%. Space Coast Credit Union's Personal Loan Rates are as low as 12.50%. Space Coast Credit Union's CD rates are 39% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Space Coast Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.37%. Rates last updated and verified on 10/30/2026.

Space Coast Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Space Coast Credit Union? Share your experience about Space Coast Credit Union by leaving a review below, or read customer reviews before you decide to use Space Coast Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.37%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Space Coast Credit Union
Space Coast Credit Union-Headquarters

8045 N Wickham Rd
Melbourne, FL 32940-7920

https://www.sccu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Space Coast Credit Union CD Rates

Product	Rate	APY	Term
CD - 12 month	4.18%	4.25%	12 Months
Min Deposit $500 Min Balance $500 Details Effective Date: September 21, 2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85% Oct 5, 20264.25%▲ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
CD - 18 month	4.18%	4.25%	18 Months
Min Deposit $500 Min Balance $500 Details Effective Date: September 21, 2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85% Oct 5, 20264.25%▲ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
IRA CD 12 month	4.18%	4.25%	12 Months
Min Deposit $500 Min Balance $500 Details Visit a Branch to Open; Min. Average Daily Balance to Earn APY: $500 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85% Sep 22, 20264.25%▲ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
IRA CD 18 month	4.18%	4.25%	18 Months
Min Deposit $500 Min Balance $500 Details Visit a Branch to Open; Min. Average Daily Balance to Earn APY: $500 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85% Sep 22, 20264.25%▲ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
CD - 9 month	3.89%	3.95%	9 Months
Min Deposit $500 Min Balance $500 Details Effective Date: September 21, 2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 3.95% ▲ 0.20 pts · high 3.95% / low 3.75% Oct 5, 20263.95%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
IRA CD 9 month	3.89%	3.95%	9 Months
Min Deposit $500 Min Balance $500 Details Visit a Branch to Open; Min. Average Daily Balance to Earn APY: $500 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 3.95% ▲ 0.20 pts · high 3.95% / low 3.75% Sep 22, 20263.95%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
CD - 6 month	3.81%	3.85%	6 Months
Min Deposit $500 Min Balance $500 Details Effective Date: September 21, 2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75% Oct 5, 20263.85%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
IRA CD 6 month	3.81%	3.85%	6 Months
Min Deposit $500 Min Balance $500 Details Visit a Branch to Open; Min. Average Daily Balance to Earn APY: $500 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75% Sep 22, 20263.85%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
CD - 24 month	3.70%	3.75%	24 Months
Min Deposit $500 Min Balance $500 Details Effective Date: September 21, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
CD - 3 month	3.70%	3.75%	3 Months
Min Deposit $500 Min Balance $500 Details Effective Date: September 21, 2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50% Oct 5, 20263.75%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
CD - 60 month	3.70%	3.75%	60 Months
Min Deposit $500 Min Balance $500 Details Effective Date: September 21, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
IRA CD 24 month	3.70%	3.75%	24 Months
Min Deposit $500 Min Balance $500 Details Visit a Branch to Open; Min. Average Daily Balance to Earn APY: $500 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
IRA CD 3 month	3.70%	3.75%	3 Months
Min Deposit $500 Min Balance $500 Details Visit a Branch to Open; Min. Average Daily Balance to Earn APY: $500 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50% Sep 22, 20263.75%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
IRA CD 60 month	3.70%	3.75%	60 Months
Min Deposit $500 Min Balance $500 Details Visit a Branch to Open; Min. Average Daily Balance to Earn APY: $500 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
CD - 54 month	3.65%	3.70%	54 Months
Min Deposit $500 Min Balance $500 Details Effective Date: September 21, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
IRA CD 54 month	3.65%	3.70%	54 Months
Min Deposit $500 Min Balance $500 Details Visit a Branch to Open; Min. Average Daily Balance to Earn APY: $500 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
CD - 48 month	3.60%	3.65%	48 Months
Min Deposit $500 Min Balance $500 Details Effective Date: September 21, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
IRA CD 48 month	3.60%	3.65%	48 Months
Min Deposit $500 Min Balance $500 Details Visit a Branch to Open; Min. Average Daily Balance to Earn APY: $500 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
CD - 42 month	3.55%	3.60%	42 Months
Min Deposit $500 Min Balance $500 Details Effective Date: September 21, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
IRA CD 42 month	3.55%	3.60%	42 Months
Min Deposit $500 Min Balance $500 Details Visit a Branch to Open; Min. Average Daily Balance to Earn APY: $500 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
CD - 30 month	3.50%	3.55%	30 Months
Min Deposit $500 Min Balance $500 Details Effective Date: September 21, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
CD - 36 month	3.50%	3.55%	36 Months
Min Deposit $500 Min Balance $500 Details Effective Date: September 21, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
IRA CD 30 month	3.50%	3.55%	30 Months
Min Deposit $500 Min Balance $500 Details Visit a Branch to Open; Min. Average Daily Balance to Earn APY: $500 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
IRA CD 36 month	3.50%	3.55%	36 Months
Min Deposit $500 Min Balance $500 Details Visit a Branch to Open; Min. Average Daily Balance to Earn APY: $500 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%

Space Coast Credit Union Savings Rates

Product	Rate	APY
IRA Savings Account	0.75%	0.75%
Min Balance $250,000 Details Balance: $250,000 and over; Effective Date: September 01, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
IRA Savings Account	0.70%	0.70%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Effective Date: September 01, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.70% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
IRA Savings Account	0.65%	0.65%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Effective Date: September 01, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.65% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
IRA Savings Account	0.60%	0.60%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Effective Date: September 01, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
IRA Savings Account	0.55%	0.55%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Effective Date: September 01, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
IRA Savings Account	0.50%	0.50%
Min Balance $0 Details Balance: $0 - $9,999.99; Effective Date: September 01, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Savings Account	0.04%	0.04%
Min Balance $0 Details Balance: $0 - $499.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.04% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Savings Account	0.04%	0.04%
Min Balance $500 Details Balance: $500 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.04% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Savings Account	0.04%	0.04%
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.04% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%

Space Coast Credit Union Checking Rates

Product	Rate	APY
Interest Checking	0.30%	0.30%
Min Balance $50,000 Details Balance: $50,000 and over; Effective Date: September 01, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Interest Checking	0.25%	0.25%
Min Balance $5,000 Details Balance: $5,000 - $49,999.99; Effective Date: September 01, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Interest Checking	0.15%	0.15%
Min Balance $0 Details Balance: $0 - $4,999.99; Effective Date: September 01, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%

Space Coast Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Fixed Rate Conventional Mortgage - 10 Years - Purchase or Refi	6.00%	-	6.204%	10 Years
Details As Low As; Example loan amount $300,000; Example Last Updated 10/30/2026 Rate History 1 change since Oct 13, 2026 · 6.33% → 6.20% ▼ 0.13 pts · high 6.33% / low 6.20% Oct 30, 20266.20%▼ from 6.33% Oct 13, 20266.33%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Jumbo Mortgage - 10 Years	6.125%	-	6.233%	10 Years
Details As Low As; Effective Date: October 28, 2026; Example Loan Amount: $850,000; Example Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 6.36% → 6.23% ▼ 0.13 pts · high 6.36% / low 6.23% Oct 30, 20266.23%▼ from 6.36% Oct 19, 20266.36%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Fixed Rate Conventional Mortgage - 15 Years - Purchase	6.125%	-	6.27%	15 Years
Details As Low As; Example loan amount $300,000; Example Last Updated 10/30/2026 Rate History 1 change since Oct 13, 2026 · 6.40% → 6.27% ▼ 0.13 pts · high 6.40% / low 6.27% Oct 30, 20266.27%▼ from 6.40% Oct 13, 20266.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Jumbo Mortgage - 15 Years	6.25%	-	6.327%	15 Years
Details As Low As; Effective Date: October 28, 2026; Example Loan Amount: $850,000; Example Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 6.45% → 6.33% ▼ 0.13 pts · high 6.45% / low 6.33% Oct 30, 20266.33%▼ from 6.45% Oct 19, 20266.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Fixed Rate Conventional Mortgage - 15 Years - Refinance	6.25%	-	6.395%	15 Years
Details As Low As; Example loan amount $300,000; Example Last Updated 10/30/2026 Rate History 1 change since Oct 13, 2026 · 6.52% → 6.40% ▼ 0.13 pts · high 6.52% / low 6.40% Oct 30, 20266.40%▼ from 6.52% Oct 13, 20266.52%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Construction-to-Permanent Loan - 15 Years Jumbo	6.625%	-	6.702%	15 Years
Details As Low As; Jumbo; Example Loan Amount: $850,000; Example; Example monthly payments do not include taxes and insurance Last Updated 10/30/2026 Rate History 1 change since Oct 13, 2026 · 6.83% → 6.70% ▼ 0.13 pts · high 6.83% / low 6.70% Oct 30, 20266.70%▼ from 6.83% Oct 13, 20266.83%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Fixed Rate Conventional Mortgage - 30 Years - Purchase	6.875%	-	6.966%	30 Years
Details As Low As; Example loan amount $300,000; Example Last Updated 10/30/2026 Rate History 1 change since Oct 13, 2026 · 7.09% → 6.97% ▼ 0.13 pts · high 7.09% / low 6.97% Oct 30, 20266.97%▼ from 7.09% Oct 13, 20267.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Fixed Rate Conventional Mortgage - 20 Years - Purchase or Refi	6.875%	-	6.994%	20 Years
Details As Low As; Example loan amount $300,000; Example Last Updated 10/30/2026 Rate History 1 change since Oct 13, 2026 · 7.12% → 6.99% ▼ 0.13 pts · high 7.12% / low 6.99% Oct 30, 20266.99%▼ from 7.12% Oct 13, 20267.12%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Jumbo Mortgage - 30 Years	7.00%	-	7.048%	30 Years
Details As Low As; Effective Date: October 28, 2026; Example Loan Amount: $850,000; Example Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 7.17% → 7.05% ▼ 0.13 pts · high 7.17% / low 7.05% Oct 30, 20267.05%▼ from 7.17% Oct 19, 20267.17%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Jumbo Mortgage - 20 Years	7.00%	-	7.063%	20 Years
Details As Low As; Effective Date: October 28, 2026; Example Loan Amount: $850,000; Example Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 7.19% → 7.06% ▼ 0.13 pts · high 7.19% / low 7.06% Oct 30, 20267.06%▼ from 7.19% Oct 19, 20267.19%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Fixed Rate Conventional Mortgage - 30 Years - Refinance	7.00%	-	7.091%	30 Years
Details As Low As; Example loan amount $300,000; Example Last Updated 10/30/2026 Rate History 1 change since Oct 13, 2026 · 7.22% → 7.09% ▼ 0.13 pts · high 7.22% / low 7.09% Oct 30, 20267.09%▼ from 7.22% Oct 13, 20267.22%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Construction-to-Permanent Loan - 30 Years Jumbo	7.375%	-	7.424%	30 Years
Details As Low As; Jumbo; Example Loan Amount: $850,000; Example; Example monthly payments do not include taxes and insurance Last Updated 10/30/2026 Rate History 1 change since Oct 13, 2026 · 7.55% → 7.42% ▼ 0.13 pts · high 7.55% / low 7.42% Oct 30, 20267.42%▼ from 7.55% Oct 13, 20267.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%

Space Coast Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Adjustable Rate HELOC - Interest-Only Option 10/10	-	-	7.25%
Details As Low As; Thereafter APR: 7.25%; Option 10/10; Introductory rate not available on Interest-Only HELOC; Effective Date: October 01, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%

Space Coast Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan Purchase	-	-	5.74%	Up to 48 Months
Details As Low As; Minimum Loan Amount: No minimum loan amount; Fixed APR for vehicle model years 2024 and newer Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.49% → 5.74% ▲ 0.25 pts · high 5.74% / low 5.49% Oct 5, 20265.74%▲ from 5.49% Sep 14, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Auto Loan Purchase	-	-	5.99%	Up to 66 Months
Details As Low As; Minimum Loan Amount: $10,000; Fixed APR for vehicle model years 2024 and newer Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Auto Loan Purchase	-	-	6.49%	Up to 75 Months
Details As Low As; Minimum Loan Amount: $12,000; Fixed APR for vehicle model years 2024 and newer Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Auto Loan Purchase	-	-	6.74%	Up to 84 Months
Details As Low As; Minimum Loan Amount: $20,000; Fixed APR for vehicle model years 2024 and newer Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%

Space Coast Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boats & Watercraft Loan	-	5.74%	Up to 240 Months
Details As Low As; Term determined by loan amount; Rate determined by loan amount Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Motorcycles and Scooters 2023-2027 Loan	-	5.74%	36 Months
Details As Low As; Term determined by loan amount; Alternative Vehicle Rates Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Motorcycles and Scooters 2020-2022 Loan	-	6.24%	36 Months
Details As Low As; Term determined by loan amount; Alternative Vehicle Rates Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
RV Loan	-	6.24%	Up to 240 Months
Details As Low As; Term determined by loan amount; Rate determined by loan amount Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Motorcycles and Scooters 2019 & Older Loan	-	10.50%	48 Months
Details As Low As; Term determined by loan amount; Alternative Vehicle Rates Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 10.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%

Space Coast Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan	12.50%	Up to 60 Months
Details As Low As; Effective Date: August 01, 2025; Payment Period: Up to 60 Months Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 12.50% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%

Space Coast Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Condo Loans - 10 Years	6.25%	-	6.455%	10 Years
Details As Low As; Example Loan Amount: $300,000; Example Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 6.58% → 6.46% ▼ 0.13 pts · high 6.58% / low 6.46% Oct 30, 20266.46%▼ from 6.58% Oct 19, 20266.58%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Condo Loans - 15 Years	6.375%	-	6.521%	15 Years
Details As Low As; Example Loan Amount: $300,000; Example Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 6.65% → 6.52% ▼ 0.13 pts · high 6.65% / low 6.52% Oct 30, 20266.52%▼ from 6.65% Oct 19, 20266.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Condo Loans - 20 Years	7.125%	-	7.245%	20 Years
Details As Low As; Example Loan Amount: $300,000; Example Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 7.37% → 7.25% ▼ 0.13 pts · high 7.37% / low 7.25% Oct 30, 20267.25%▼ from 7.37% Oct 19, 20267.37%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Condo Loans - 30 Years	7.125%	-	7.217%	30 Years
Details As Low As; Example Loan Amount: $300,000; Example Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 7.34% → 7.22% ▼ 0.13 pts · high 7.34% / low 7.22% Oct 30, 20267.22%▼ from 7.34% Oct 19, 20267.34%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Construction-to-Permanent Loan - 10 Years	6.375%	-	6.58%	10 Years
Details As Low As; Example Loan Amount: $300,000; Example; Example monthly payments do not include taxes and insurance Last Updated 10/30/2026 Rate History 1 change since Oct 13, 2026 · 6.71% → 6.58% ▼ 0.13 pts · high 6.71% / low 6.58% Oct 30, 20266.58%▼ from 6.71% Oct 13, 20266.71%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Construction-to-Permanent Loan - 15 Years	6.50%	-	6.646%	15 Years
Details As Low As; Example Loan Amount: $300,000; Example; Example monthly payments do not include taxes and insurance Last Updated 10/30/2026 Rate History 1 change since Oct 13, 2026 · 6.77% → 6.65% ▼ 0.13 pts · high 6.77% / low 6.65% Oct 30, 20266.65%▼ from 6.77% Oct 13, 20266.77%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Construction-to-Permanent Loan - 20 Years	7.25%	-	7.37%	20 Years
Details As Low As; Example Loan Amount: $300,000; Example; Example monthly payments do not include taxes and insurance Last Updated 10/30/2026 Rate History 1 change since Oct 13, 2026 · 7.50% → 7.37% ▼ 0.13 pts · high 7.50% / low 7.37% Oct 30, 20267.37%▼ from 7.50% Oct 13, 20267.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Construction-to-Permanent Loan - 30 Years	7.25%	-	7.343%	30 Years
Details As Low As; Example Loan Amount: $300,000; Example; Example monthly payments do not include taxes and insurance Last Updated 10/30/2026 Rate History 1 change since Oct 13, 2026 · 7.47% → 7.34% ▼ 0.13 pts · high 7.47% / low 7.34% Oct 30, 20267.34%▼ from 7.47% Oct 13, 20267.47%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
FHA Home Loan - 15 Years	6.375%	-	6.521%	15 Years
Details Rate "As Low As"; APR "As Low As"; Example loan amount $300,000; Example; Effective Date: October 28, 2026 Last Updated 10/30/2026 Rate History 1 change since Oct 13, 2026 · 6.65% → 6.52% ▼ 0.13 pts · high 6.65% / low 6.52% Oct 30, 20266.52%▼ from 6.65% Oct 13, 20266.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
FHA Home Loan - 30 Years	7.125%	-	7.217%	30 Years
Details Rate "As Low As"; APR "As Low As"; Example loan amount $300,000; Example; Effective Date: October 28, 2026 Last Updated 10/30/2026 Rate History 1 change since Oct 13, 2026 · 7.34% → 7.22% ▼ 0.13 pts · high 7.34% / low 7.22% Oct 30, 20267.22%▼ from 7.34% Oct 13, 20267.34%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Fixed 2nd Mortgage	6.99%	-	6.99%	61 to 120 Months
Details As Low As; Example Loan Amount: $25,000; Effective Date: June 01, 2026 Last Updated 10/30/2026 Rate History No change since Oct 9, 2026 · 6.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
Fixed 2nd Mortgage	7.49%	-	7.49%	121 to 180 Months
Details As Low As; Example Loan Amount: $25,000; Effective Date: June 01, 2026 Last Updated 10/30/2026 Rate History No change since Oct 9, 2026 · 7.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
No Closing Costs Home Loan - 10 Years - Purchase or Refi	6.375%	-	6.58%	10 Years
Details As Low As; Example Loan Amount: $300,000; Example; No Closing Costs Option Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 6.71% → 6.58% ▼ 0.13 pts · high 6.71% / low 6.58% Oct 30, 20266.58%▼ from 6.71% Oct 19, 20266.71%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
No Closing Costs Home Loan - 15 Years - Purchase	6.50%	-	6.646%	15 Years
Details As Low As; Example Loan Amount: $300,000; Example; No Closing Costs Option Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 6.77% → 6.65% ▼ 0.13 pts · high 6.77% / low 6.65% Oct 30, 20266.65%▼ from 6.77% Oct 19, 20266.77%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
No Closing Costs Home Loan - 15 Years - Refinance	6.625%	-	6.772%	15 Years
Details As Low As; Example Loan Amount: $300,000; Example; No Closing Costs Option Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 6.90% → 6.77% ▼ 0.13 pts · high 6.90% / low 6.77% Oct 30, 20266.77%▼ from 6.90% Oct 19, 20266.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
No Closing Costs Home Loan - 20 Years - Purchase or Refi	7.25%	-	7.37%	20 Years
Details As Low As; Example Loan Amount: $300,000; Example; No Closing Costs Option Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 7.50% → 7.37% ▼ 0.13 pts · high 7.50% / low 7.37% Oct 30, 20267.37%▼ from 7.50% Oct 19, 20267.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
No Closing Costs Home Loan - 30 Years - Purchase	7.25%	-	7.343%	30 Years
Details As Low As; Example Loan Amount: $300,000; Example; No Closing Costs Option Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 7.47% → 7.34% ▼ 0.13 pts · high 7.47% / low 7.34% Oct 30, 20267.34%▼ from 7.47% Oct 19, 20267.47%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
No Closing Costs Home Loan - 30 Years - Refinance	7.375%	-	7.469%	30 Years
Details As Low As; Example Loan Amount: $300,000; Example; No Closing Costs Option Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 7.59% → 7.47% ▼ 0.13 pts · high 7.59% / low 7.47% Oct 30, 20267.47%▼ from 7.59% Oct 19, 20267.59%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
No Down Payment Home Loan - 10 Years	6.375%	-	6.58%	10 Years
Details As Low As; Available on select single-family purchase home loans; not available on refinance; 100% financing; Private mortgage insurance required Last Updated 10/30/2026 Rate History 1 change since Oct 9, 2026 · 6.71% → 6.58% ▼ 0.13 pts · high 6.71% / low 6.58% Oct 30, 20266.58%▼ from 6.71% Oct 9, 20266.71%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
No Down Payment Home Loan - 15 Years	6.50%	-	6.646%	15 Years
Details As Low As; Available on select single-family purchase home loans; not available on refinance; 100% financing; Private mortgage insurance required Last Updated 10/30/2026 Rate History 1 change since Oct 9, 2026 · 6.77% → 6.65% ▼ 0.13 pts · high 6.77% / low 6.65% Oct 30, 20266.65%▼ from 6.77% Oct 9, 20266.77%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
No Down Payment Home Loan - 20 Years	7.375%	-	7.496%	20 Years
Details As Low As; Available on select single-family purchase home loans; not available on refinance; 100% financing; Private mortgage insurance required Last Updated 10/30/2026 Rate History 1 change since Oct 9, 2026 · 7.62% → 7.50% ▼ 0.13 pts · high 7.62% / low 7.50% Oct 30, 20267.50%▼ from 7.62% Oct 9, 20267.62%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
No Down Payment Home Loan - 30 Years	7.375%	-	7.469%	30 Years
Details As Low As; Available on select single-family purchase home loans; not available on refinance; 100% financing; Private mortgage insurance required Last Updated 10/30/2026 Rate History 1 change since Oct 9, 2026 · 7.59% → 7.47% ▼ 0.13 pts · high 7.59% / low 7.47% Oct 30, 20267.47%▼ from 7.59% Oct 9, 20267.59%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
VA Home Loan - 15 Years	6.375%	-	6.521%	15 Years
Details Rate "As Low As"; APR "As Low As"; Example Loan Amount: $300,000; Example; Effective Date: October 28, 2026 Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 6.65% → 6.52% ▼ 0.13 pts · high 6.65% / low 6.52% Oct 30, 20266.52%▼ from 6.65% Oct 19, 20266.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
VA Home Loan - 30 Years	7.125%	-	7.217%	30 Years
Details Rate "As Low As"; APR "As Low As"; Example Loan Amount: $300,000; Example; Effective Date: October 28, 2026 Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 7.34% → 7.22% ▼ 0.13 pts · high 7.34% / low 7.22% Oct 30, 20267.22%▼ from 7.34% Oct 19, 20267.34%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
SCCU Saving Cents Account	2.25%	-	2.27%
Min Balance $0 Details Balance: $0 - $25,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.27% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%
SCCU Saving Cents Account	1.25%	-	1.26%
Min Balance $25,000 Details Balance: $25,000.01 and over Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.37%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Space Coast Credit Union’s Texas Ratio rose from 3.05% in Q3 2023 to 5.37% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$9.2B	5.37%	5.0	A+
March 31, 2026	$9.3B	4.16%	5.0	A+
December 31, 2025	$9.1B	4.84%	5.0	A+
September 30, 2025	$8.9B	4.38%	5.0	A+
June 30, 2025	$9.2B	4.55%	5.0	A+
March 31, 2025	$9.0B	3.86%	5.0	A+
December 31, 2024	$8.8B	4.60%	5.0	A+
September 30, 2024	$8.8B	3.70%	5.0	A+
June 30, 2024	$9.1B	3.48%	5.0	A+
March 31, 2024	$9.2B	3.05%	5.0	A+
December 31, 2023	$8.9B	3.38%	5.0	A+
September 30, 2023	$9.0B	3.05%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Space Coast Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Space Coast Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Space Coast Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Space Coast Credit Union

Website https://www.sccu.com

Address 8045 N Wickham Rd, Melbourne, FL 32940-7920

Phone 321-752-2222

Fax 321-956-7888

President Thomas Myers

CEO Shane Hoyle

Full-Time Employees 1,294

Part-Time Employees 7

Branch Locations 71

ATM Locations 82

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.37%

Return on Assets (ROA)

0.3933%

Return on Equity (ROE)

3.4452%

Non-Performing Loans Ratio (NPL)

0.80%

Total Assets

9,151,014,136

Total Amount of Shares and Deposits

7,755,660,972

Total Shares and Deposits < 1 Year

7,384,084,233

Total Shares and Deposits 1 3 Years

307,686,282

Total Shares and Deposits > 3 Years

63,890,457

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

534,297,436

Total Uninsured Shares and Deposits > $250K (F+J)

534,297,436

Total Insured Shares and Deposits > $250K (item 17 less item K)

7,221,363,536

Total Interest Expense (Sum of items 6 8)

70,927,561

Share Certificates

61,720

Number of Accounts for Share Drafts

402,501

IRA KEOGH Accounts

13,992

Number of Accounts for Regular Shares

749,420

All other shares

3,572

Non Member Deposits

1,193

Money Market Shares

11,602

Net Income (unless the amount is already included in Undivided Earnings)

35,986,485

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

426,626,639

Total Liabilities

8,132,864,254

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Space Coast Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Space Coast Credit Union

Does Space Coast Credit Union offer CDs?

Yes. Space Coast Credit Union current CD rates include its CD - 12 month at 4.25% APY, its CD - 18 month at 4.25% APY and its CD - 9 month at 3.95% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Space Coast Credit Union NCUA insured?

Yes. Space Coast Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Space Coast Credit Union?

The highest Space Coast Credit Union CD rate is its CD - 12 month at 4.25% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Space Coast Credit Union offer?

Space Coast Credit Union CD rates are 3.85% APY for a 6 month CD, 3.95% APY for a 9 month CD, 4.25% APY for a 12 month CD, 4.25% APY for an 18 month CD, 3.75% APY for a 2 year CD and 3.75% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Space Coast Credit Union for its full lineup.

What is the highest savings rate at Space Coast Credit Union?

The highest Space Coast Credit Union savings rate is its IRA Savings Account at 0.75% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at Space Coast Credit Union?

The highest Space Coast Credit Union checking rate is its Interest Checking at 0.30% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest 30 year fixed mortgage rate at Space Coast Credit Union?

The lowest Space Coast Credit Union 30 year fixed mortgage rate is its Fixed Rate Conventional Mortgage - 30 Years - Purchase at 6.875%, verified by MonitorBankRates as of October 30, 2026. Space Coast Credit Union mortgage rates are 6.875% for a 30 year mortgage, 6.875% for a 20 year mortgage, 6.125% for a 15 year mortgage and 6.00% for a 10 year mortgage.

What is the lowest auto loan rate at Space Coast Credit Union?

The lowest Space Coast Credit Union auto loan rate is its Auto Loan Purchase at 5.74% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at Space Coast Credit Union?

The lowest Space Coast Credit Union personal loan rate is its Signature Loan at 12.50% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does Space Coast Credit Union operate?

Space Coast Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Space Coast Credit Union?

Yes, to access services at Space Coast Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Space Coast Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Space Coast Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Space Coast Credit Union offer online and mobile banking?

Most modern institutions like Space Coast Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.sccu.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Space Coast Credit Union rates compare?

Space Coast Credit Union's CD rates are 39% higher than the MonitorBankRates national average, and it has an A+ health rating. Space Coast Credit Union's top rates are its CD - 12 month at 4.25% APY, its IRA Savings Account at 0.75% APY, its Interest Checking at 0.30% APY, its Fixed Rate Conventional Mortgage - 10 Years - Purchase or Refi at 6.00% and its Signature Loan at 12.50% APR, verified by MonitorBankRates on October 30, 2026.

Current Space Coast Credit Union Rates

12-Month CD4.25%
18-Month CD4.25%
24-Month CD3.75%
60-Month CD3.75%
Savings0.75%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Space Coast Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Space Coast Credit Union Texas Ratio

Space Coast Credit Union Health Trend

Space Coast Credit Union CD Rates

Space Coast Credit Union Savings Rates

Space Coast Credit Union Checking Rates

Space Coast Credit Union Mortgage Rates

Space Coast Credit Union Home Equity & HELOC

Space Coast Credit Union Auto Loan Rates

Space Coast Credit Union RV, Boat and Powersport Loan Rates

Space Coast Credit Union Personal Loan Rates

Space Coast Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Space Coast Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Space Coast Credit Union

Does Space Coast Credit Union offer CDs?

Are CDs from Space Coast Credit Union NCUA insured?

What is the highest CD rate at Space Coast Credit Union?

What CD terms does Space Coast Credit Union offer?

What is the highest savings rate at Space Coast Credit Union?

What is the highest checking rate at Space Coast Credit Union?

What is the lowest 30 year fixed mortgage rate at Space Coast Credit Union?

What is the lowest auto loan rate at Space Coast Credit Union?

What is the lowest personal loan rate at Space Coast Credit Union?

How many branches does Space Coast Credit Union operate?

Is a member application needed to join Space Coast Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Space Coast Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Space Coast Credit Union rates compare?

Current Space Coast Credit Union Rates

Compare to Other Credit Unions