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

Rates effective as of April 1, 2021

Loan ProgramsTermAPR* - As Low As...
Auto24 months1.59% - 18.00%
Auto36 months1.69% - 18.00%
Auto48 months1.79% - 18.00%
Auto60 months1.89% - 18.00%
Auto72 months1.99% - 18.00%
Auto84 months2.99% - 18.00%
 
Boats, Motorcycle, RV, ATV, UTV, Motorhomes24 months2.99% - 18.00%
Boats, Motorcycle, RV, ATV, UTV, Motorhomes36 months2.99% - 18.00%
Boats, Motorcycle, RV, ATV, UTV, Motorhomes48 months2.99% - 18.00%
Boats, Motorcycle, RV, ATV, UTV, Motorhomes60 months3.99% - 18.00%
Boats, Motorcycle, RV, ATV, UTV, Motorhomes72 months4.99% - 17.99%
Boats, Motorcycle, RV, ATV, UTV, Motorhomes84 months5.49% - 17.99%
Boats, Motorcycle, RV, ATV, UTV, Motorhomes96 months5.99% - 17.99%
Boats, Motorcycle, RV, ATV, UTV, Motorhomes120 months6.49% - 17.99%
 
Mortgage Refinance**2.63%
Home Equity 1st Lien**Up to 180 months2.63%
Home Equity 2nd Lien**Up to 180 months5.38%
 
Personal24-48 months6.99% - 17.95%
Line of Credit24-48 months9.99%
Shared Secured12-48 months3.00% - Above Share Rate
 
Computer12-48 months8.95%
 
Furniture / Other Household12-48 months8.95%
 
Instrument Loans12-60 months8.75% Fixed Rate - Instruments Under 25k
72-120 months8.75% Variable Rate - Instruments Over 25k
 
Farm Equipment24-48 months8.95%
 
Certificate SecuredTerm TBD3.00% - Above CD Rate
 
VISA – Classicopen12.90% - No Annual Fee!
 
VISA – Platinumopen9.90% - No Annual Fee!

 

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.

**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.

Spring into Savings
*All loan rates expressed as Annual Percentage Rate.
**See web site for more RV rates and terms up to 120 months!
^See Credit Card promotion on web site for complete details.
Real Estate Loan Rates: All real estate-related products' APR and financing options are based on your creditworthiness, occupancy and property loan-to-value. Please call us for your qualifying rate. Rates may change at any time and quoted rates above may not apply tomorrow, they may be higher or lower depending on when you apply and receive a rate lock. Call a loan officer for details. NMLS# ID 643834. Promotion ends April 30, 2021.

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