South Central Credit Union

Jackson, Michigan
Last verified: August 4, 2026
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Verified rate book

Current South Central Credit Union rates

39 published offers verified as of August 4, 2026.

How we verify rates

Mortgage rates

8 offers
South Central Credit Union mortgage rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
30-Year Fixed30 year fixed6.625% APR6.625%—Standard
15-Year Fixed15 year fixed6.000% APR6.000%—Standard
15-Year Fixed Rate (5/1 Adjustable Rate Mortgage)5 1 arm5.875% APR5.875%—Standard
7/1 ARM7 1 arm6.000% APR6.000%—Standard
15-Year Fixed Rate (7/1 Adjustable Rate Mortgage)7 1 arm6.424% APR6.424%—Standard
One-Time Close Constructionother6.875% APR6.875%—Standard
30-Year Fixed, Refinance30 year fixed6.625% APR6.625%—Standard
15-Year Fixed, Refinance15 year fixed6.000% APR6.000%—Standard

Auto & vehicle rates

4 offers
South Central Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Secured Loans (Auto)auto_any_72mo4.990% APR4.990%72 moStandard
Secured Loans (Watercraft & Tractor)boat_any_96mo5.990% APR5.990%96 moStandard
Secured Loans (ATV & Motorcycle)powersports_any_72mo6.590% APR6.590%72 moStandard
Secured Loans (RV)rv_any_72mo6.790% APR6.790%72 moStandard

HELOC rates

3 offers
South Central Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
5-Year Home Equity Loan (Fixed)heloc_fixed6.250% APR6.250%—Standard
10-Year Home Equity Loan (Fixed)heloc_fixed7.625% APR7.625%—Standard
15-Year Home Equity Loan (Fixed)heloc_fixed7.875% APR7.875%—Standard

Personal loan rates

2 offers
South Central Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Unsecured Loans (Other Unsecured Closed End Loans)personal_unsecured8.990% APR8.990%—Standard
Personal Line of Creditploc_variable8.990% APR8.990%—Standard

Savings & CD rates

13 offers
South Central Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
**Platinum Plus Account ($1.00 to $2,999.99)savings0.15% APY0.15%—Standard
Reserve Sharessavings0.15% APY0.15%—Standard
Right Start Young Adultsavings0.25% APY0.25%—Eligibility restricted
**Platinum Plus Account ($3,000.00 to $24,999.99)savings0.90% APY0.90%—Standard
**Platinum Plus Account ($25,000 and over)savings1.00% APY1.00%—Standard
3-Month Certificatecd_3mo1.50% APY1.50%3 moStandard
6-Month Certificatecd_6mo1.55% APY1.55%6 moStandard
9-Month Certificatecd_9mo1.70% APY1.70%9 moStandard
12-Month Certificatecd_12mo2.00% APY2.00%12 moStandard
24-Month Certificatecd_24mo2.25% APY2.25%24 moStandard
36-Month Certificatecd_36mo2.35% APY2.35%36 moStandard
48-Month Certificatecd_48mo2.45% APY2.45%48 moStandard
60-Month Certificatecd_60mo2.55% APY2.55%60 moStandard

Other rates

9 offers
South Central Credit Union other rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
GOLD: Requires a minimum balance of $500.00 (3 Month)other1.500% %1.500%—Standard
GOLD: Requires a minimum balance of $500.00 (6 Month)other1.550% %1.550%—Standard
GOLD: Requires a minimum balance of $500.00 (9 Month)other1.700% %1.700%—Standard
GOLD: Requires a minimum balance of $500.00 (1 Year)other2.000% %2.000%—Standard
GOLD: Requires a minimum balance of $500.00 (2 Year)other2.250% %2.250%—Standard
GOLD: Requires a minimum balance of $500.00 (3 Year)other2.350% %2.350%—Standard
GOLD: Requires a minimum balance of $500.00 (4 Year)other2.450% %2.450%—Standard
GOLD: Requires a minimum balance of $500.00 (5 Year)other2.550% %2.550%—Standard
I am ready to:other3.040% %3.040%—Standard

As of August 4, 2026, South Central Credit Union offers a 30-year fixed mortgage at 6.625% APR. Vehicle loans available from 4.99% APR for 72 months. HELOC rates from 6.25% APR. Personal loan rates from 8.99% APR. Savings and certificate yields up to 2.55% APY.

Source: RateAPI.dev, verified from South Central Credit Union's official website

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About South Central Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
6.8K
Assets
$84.9M
Founded
1954
Locations reported
2
NCUA charter
62143
Charter type
Federally insured state-chartered credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial counseling
  • Student scholarships

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.

AeroquipAeroquip Credit Union · Jackson · MI · 49202-3916Branch in the same ZIPAmerican 1Cooper St · Jackson · MI · 49202Branch in the same ZIPMichigan FirstMeijer Jackson Branch · Jackson · MI · 49202-1239Branch in the same ZIPMichigan State UniversityMSUFCU - Jackson Branch · Jackson · MI · 49202-4198Branch in the same ZIPTrue CommunityClinton Road · Jackson · MI · 49202-2060Branch in the same ZIPCommunity Choice17 Jackson Member Center · Jackson · MI · 49201-8610About 3.9 miles away

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 South Central Credit Union

Membership eligibility from South Central Credit Union's own published criteria. How we verify this.

Membership via employers (City of Jackson Michigan +4 more)

  • LocationBranch, Calhoun, Eaton, Hillsdale, Ingham, Jackson, Lenawee, Livingston, Washtenaw — MI
  • EmployerCity of Jackson Michigan, County of Jackson Michigan, Michigan Railroaders, Jackson County Michigan Townships of Blackman, Leoni and Summit, South Central Credit Union

Verified from South Central Credit Union's membership page. Final membership determination is always made by the credit union.

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Frequently Asked Questions

What rates does South Central Credit Union offer?

South Central Credit Union currently offers mortgage, vehicle 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 South Central Credit Union rates updated?

RateAPI verifies South Central 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 South Central Credit Union's rate data?

Rate data is collected directly from South Central Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is South Central Credit Union's mortgage rate?

As of August 4, 2026, South Central Credit Union offers a 30-year fixed mortgage at 6.625% APR.

What are South Central Credit Union's auto, rv, boat & powersports loan rates?

As of August 4, 2026, South Central Credit Union offers vehicle loans from 4.99% APR.

What is South Central Credit Union's HELOC rate?

As of August 4, 2026, South Central Credit Union offers home equity lines of credit from 6.25% APR.

What is South Central Credit Union's personal loan rate?

As of August 4, 2026, South Central Credit Union offers personal loans from 8.99% APR.

What is South Central Credit Union's best CD rate?

As of August 4, 2026, South Central Credit Union offers savings and certificate (CD) yields up to 2.55% APY.

Related Rate Data

Compare South Central Credit Union's rates against national credit-union benchmarks.

More Michigan credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

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# Get rates for South Central Credit Union
curl "https://api.rateapi.dev/credit-unions/michigan/south-central" \
  -H "Authorization: Bearer YOUR_API_KEY"
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