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

Rates effective as of October 1, 2023

Loan ProgramsTermAPR* - As Low As...
Auto24 months - 72 months5.99% - 18.00%
Auto84 months6.99% - 18.00%
Motorcycle, ATV, UTV24 months - 72 months7.99% - 18.00%
Boats, RV, Motorhomes24 months - 120 months7.99% - 18.00%
Mortgage Refinance**6.78%
Home Equity 1st Lien**Up to 180 months6.78%
Home Equity 2nd Lien**Up to 180 months9.53%
Personal24-48 months11.99% - 17.99%
Line of Credit24-48 months11.99% - 17.99%
Shared Secured12-48 months3.00% - Above Share Rate
Furniture / Other Household12-48 months8.99%
Instrument Loans12-60 months10.50% Fixed Rate - Instruments Under 25k
72-120 months10.50% Variable Rate - Instruments Over 25k*
Farm Equipment24-48 months8.99%
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.

*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.


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