Rates effective as of May 1, 2026
Consumer Loans
*APR = Annual Percentage Rate. 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. 100% financing available to qualified applicants
**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.
Loan Programs | Term | APR* – As Low As |
|---|---|---|
Auto | 24 months – 48 months | 3.99% – 11.99% |
Auto | 60 months – 72 months | 4.99% – 12.99% |
Auto | 84 months | 6.99% – 9.99% |
Motorcycle, ATV, UTV | 24 months – 72 months | 5.99% – 12.99% |
Boats, RV, Motorhomes | 24 months – 72 months | 5.99% – 12.99% |
Boats, RV, Motorhomes | 84 months – 120 months | 7.99% – 13.00% |
Mortgage Refinance** | Up to 180 months | 4.97% |
Home Equity 1st Lien** | Up to 180 months | 4.97% |
Home Equity 2nd Lien** | Up to 180 months | 6.72% |
Personal | 24-48 months | 11.99% – 17.99% |
Line of Credit | 24-48 months | 11.99% – 17.99% |
Shared Secured | 12-48 months | 3.00% – Above Share Rate |
Certificate Secured | Term TBD | 3.00% – Above CD Rate |
Furniture/Other Household | 12-48 months | 8.99% |
Farm Equipment | 12-48 months | 8.99% |