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Loan, Credit Card & Deposit Rates


Type Payment Period* Amount financed greater than $20,000. Annual Percentage Rate 'as low as'* Amount financed $10,000 - $19,999. Annual Percentage Rate 'as low as'*
New AND Used Vehicles; Model Years 2012 - 2014 Up to 36 months 1.89% 2.14%
New AND Used Vehicles; Model Years 2012 - 2014 Up to 75 months 2.74% 2.99%
New AND Used Vehicles; Model Years 2012 - 2014 84 months 3.74% 3.99%
New AND Used Vehicles; Model Years 2008 - 2011 Up to 36 months 2.74% 2.99%
New AND Used Vehicles; Model Years 2008 - 2011 Up to 75 months 3.24% 3.49%
New AND Used Vehicles; Model Years 2007 & Older Up to 66 months 4.49% 4.74%
Type Payment Period* Annual Percentage Rate 'as low as'*
Motorcycles and Scooters 2011 - 2014 up to 84 months
Term determined by loan amount
2.99%
Motorcycles and Scooters 2008 - 2010 up to 84 months
Term determined by loan amount
3.24%
Motorcycles and Scooters 2007 & Older up to 66 months
Term determined by loan amount
8.25%
*APR = Annual Percentage Rate. Rates are subject to change without notice.

1AUTO LOAN RATES

Loan interest rates and available terms are based on your credit quality, term, model year, loan to value ratio, and our usual credit criteria apply. Your rate may be different. All rates shown are fixed rate loans.

New and Pre-Owned/Used Cars: Rates may vary based on member qualifications and credit criteria. All rates and conditions subject to change.

Loan amounts less than $10,000, add .25% to the $10,000 - $19,999 rate.

For Business Loan interest rates, add .50% if LTV > 90%.

84 Month Requirements - minimum loan amount $20,000.

For any loan NOT ON TRANSFER from an existing SCCU account OR DIRECT PAYROLL DEPOSIT, one quarter of one percent (.25%) will be added to the approved rate.

If the mileage on the vehicle exceeds 75,000, add .50% to the rate.


2ALTERNATIVE VEHICLE RATE

Loan interest rates and loan to value are based on your credit quality and year of collateral. Yours may be different. All rates shown are fixed rate loans. Boat and RV loans: for qualified borrowers, financing up to 90% of invoice. Motorcycle loans: for qualified borrowers, financing up to 130% of invoice. Rates may vary based on member qualifications and credit criteria. Rates subject to change.

The maximum term will be determined by considering both the dollar amount and the member's credit rating.

Scooters: Engine size of 50cc’s or greater will be treated as a motorcycle loan. Anything less than 50cc’s will be considered a signature loan.

For any loan NOT ON TRANSFER from an existing SCCU account OR DIRECT PAYROLL DEPOSIT, one quarter of one percent, (.25%) will be added to the approved rate.
 
  • SCCU Routing Number: 263177903
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Space Coast Credit Union membership is open to all who work or live in Brevard, Broward, Flagler, Indian River, Martin, Miami-Dade, Monroe, Orange, Osceola, Palm Beach, Seminole, St. Johns, St. Lucie, or Volusia Counties in Florida.
*APR = Annual Percentage Rate. ^APY = Annual Percentage Yield.

  • Brevard: 321-752-2222
  • Broward: 954-704-5000
  • Miami-Dade: 305-882-5000
  • All Other Areas: 800-447-7228

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Member Rewards

Member Rewards is an exclusive Space Coast Credit Union program that provides benefits such as free or discounted services based on your level of participation in the credit union.

  • Gold members may order one FREE box of SCCU logo checks per year.
  • Platinum members may order unlimited FREE boxes of SCCU Exclusive Style checks (one box at a time).
Learn more about the Member Rewards program.