Southcoast Credit Union
Verified rate book
Current Southcoast Credit Union rates
25 published offers verified as of August 4, 2026.
Auto & vehicle rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Used Auto Loanauto_used | 5.000% APR | 5.000% | used | Standard |
| New Auto Loanauto_new | 5.000% APR | 5.000% | new | Standard |
HELOC rates
9 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Floor*heloc | 4.500% APR | 4.500% | — | Standard |
| 10-Year Home Equity Loan (Fixed)heloc_fixed | 4.500% APR | 4.500% | — | Standard |
| 12-Year Home Equity Loan (Fixed)heloc_fixed | 5.000% APR | 5.000% | — | Standard |
| 2-Year Home Equity Loan (Fixed)heloc_fixed | 5.250% APR | 5.250% | — | Standard |
| 3-Year Home Equity Loan (Fixed)heloc_fixed | 5.500% APR | 5.500% | — | Standard |
| 15-Year Home Equity Loan (Fixed)heloc_fixed | 5.500% APR | 5.500% | — | Standard |
| 5-Year Home Equity Loan (Fixed)heloc_fixed | 5.750% APR | 5.750% | — | Standard |
| 7-Year Home Equity Loan (Fixed)heloc_fixed | 6.000% APR | 6.000% | — | Standard |
| Initial Rate* (fixed 36 months)heloc_fixed | 7.250% APR | 7.250% | — | Standard |
Personal loan rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Debt Consolidation Program - 48 month max termpersonal_unsecured_48mo | 4.990% APR | 4.990% | 48 mo | Standard |
| Unsecured Home Improvement Loan (60 months)personal_unsecured_60mo | 5.990% APR | 5.990% | 60 mo | Standard |
| Unsecured Loans (1-5 Years)personal_unsecured_60mo | 6.990% APR | 6.990% | 60 mo | Standard |
Savings & CD rates
10 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| $25 minimum to maintain membership in the Credit Unionsavings | 0.03% APY | 0.03% | — | Standard |
| 2,500.00 - 9,999.99savings | 0.05% APY | 0.05% | — | Standard |
| 10,000.00 - 24,999.99savings | 0.10% APY | 0.10% | — | Standard |
| 25,000.00 - 99,999.99savings | 0.15% APY | 0.15% | — | Standard |
| 48-Month Certificatecd_48mo | 0.65% APY | 0.65% | 48 mo | Standard |
| 60-Month Certificatecd_60mo | 0.75% APY | 0.75% | 60 mo | Standard |
| >100,000.00savings | 1.50% APY | 1.50% | — | Standard |
| 12-Month Certificatecd_12mo | 3.00% APY | 3.00% | 12 mo | Standard |
| 24-Month Certificatecd_24mo | 3.50% APY | 3.50% | 24 mo | Standard |
| 36-Month Certificatecd_36mo | 3.75% APY | 3.75% | 36 mo | Standard |
Other rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Seasonal Special - 11 month termother | 5.000% % | 5.000% | — | Standard |
Auto loans available from 5% APR. HELOC rates from 4.5% APR. Personal loan rates from 4.99% APR. Savings and certificate yields up to 3.75% APY.
Source: RateAPI.dev, verified from Southcoast Credit Union's official website
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About Southcoast Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 4.3K
- Assets
- $60.3M
- Founded
- 1976
- Locations reported
- 6
- NCUA charter
- 22426
- Charter type
- Federal credit union
Services and member support
- Online membership application
- Online loan application
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial education
- First-time homebuyer program
- Bilingual services
- Student scholarships
- Credit-builder products
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join Southcoast Credit Union
Membership eligibility from Southcoast Credit Union's own published criteria. How we verify this.
Membership via the Community Economic Development Center (CEDC) of Southeastern Massachusetts
- AssociationCommunity Economic Development Center (CEDC) of Southeastern Massachusetts
Cost to join: About $25.
Verified from Southcoast Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Southcoast Credit Union?
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Frequently Asked Questions
What rates does Southcoast Credit Union offer?
Southcoast Credit Union currently offers Auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Southcoast Credit Union rates updated?
RateAPI verifies Southcoast Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get Southcoast Credit Union's rate data?
Rate data is collected directly from Southcoast Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What are Southcoast Credit Union's auto loan rates?
As of August 4, 2026, Southcoast Credit Union offers auto loans from 5% APR.
What is Southcoast Credit Union's HELOC rate?
As of August 4, 2026, Southcoast Credit Union offers home equity lines of credit from 4.5% APR.
What is Southcoast Credit Union's personal loan rate?
As of August 4, 2026, Southcoast Credit Union offers personal loans from 4.99% APR.
What is Southcoast Credit Union's best CD rate?
As of August 4, 2026, Southcoast Credit Union offers savings and certificate (CD) yields up to 3.75% APY.
Related Rate Data
Compare Southcoast Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.
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# Get rates for Southcoast Credit Union
curl "https://api.rateapi.dev/credit-unions/massachusetts/southcoast" \
-H "Authorization: Bearer YOUR_API_KEY"