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Loan Rates

Member loans are our shining star. No hidden costs. No harsh penalties. Just the best fair and honest rates around.

Rates effective as of March 1, 2024

Consumer Loans
100% financing available to qualified applicants. Rates and terms are subject to change at any time. Usual credit criteria apply to the issuance of all Space City CU loans. Discounts may apply to New and Used car rates. *All loan rates expressed as Annual Percentage Rate. Click to See Savings Rates.

*Variable Rate Instrument Loans
Instrument loans are variable rate loans at Prime +3% minimum.

**Real Estate and Home Equity Loans
Rates subject to change at any time based on market conditions. Real Estate loans have max fixed rate terms of 180 months and may amortize payments up to 360 months depending on credit.

Loan Programs
Term
APR* – As Low As
Auto
24 months – 72 months
5.99% – 18.00%
Auto
84 months
6.99% – 18.00%
Motorcycle, ATV, UTV
24 months – 72 months
7.99% – 18.00%
Boats, RV, Motorhomes
24 months – 120 months
7.99% – 18.00%
Mortgage Refinance**
Up to 180 months
5.69%
Home Equity 1st Lien**
Up to 180 months
5.69%
Home Equity 2nd Lien**
Up to 180 months
8.44%
Personal
24-48 months
11.99% – 17.99%
Line of Credit
24-48 months
11.99% – 17.99%
Shared Secured
12-48 months
3.00% – Above Share Rate
Certificate Secured
Term TBD
3.00% – Above CD Rate
Furniture/Other Household
12-48 months
8.99%
Instrument Loans
12-60 months
10.50% Fixed Rate – Instruments under 25k
Instrument Loans
72-120 months
10.50% Fixed Rate – Instruments over 25k*
Farm Equipment
12-48 months
8.99%
VISA – Classic
Open
12.90% – No Annual Fee!
VISA – Platinum
Open
9.90% – No Annual Fee!

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You are leaving our website now.  Our website does not provide, and is not responsible for, the product, service, or overall website content on third-party websites. Our privacy policies do not apply to linked third-party websites. Visitors should consult the privacy disclosures on any particular website for further information.