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Loan, Credit Card & Deposit Rates


Effective date June 11, 2015

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 2013 - 2016 Up to 36 months 1.89% 2.14%
New AND Used Vehicles; Model Years 2013 - 2016 37-75 months 2.89% 3.14%
New AND Used Vehicles; Model Years 2013 - 2016 76-78 months 3.24% 3.49%
New AND Used Vehicles; Model Years 2013 - 2016 79-84 months 3.99% 4.24%
New AND Used Vehicles; Model Years 2009 - 2012 Up to 36 months 2.74% 2.99%
New AND Used Vehicles; Model Years 2009 - 2012 37-75 months 3.39% 3.64%
New AND Used Vehicles; Model Years 2008 & Older Up to 66 months 4.49% 4.74%
*APR = Annual Percentage Rate. Rates are subject to change without notice.
  •  Important Terms and Conditions

    Term
     
    Model Year 2013-2016
    Annual Percentage Rate
         Payment Per $1,000   
    1-36 MONTHS
    (financed amount >$20,000)
    1.89% $28.59
    1-36 MONTHS
    (financed amount $10,000-$19,999)
    2.14% $28.70
    37-75 months 
    (financed amount >$20,000)
    2.89% $14.59
    37-75 months 
    (financed amount $10,000-$19,999)
    3.14% $14.70
    76-78 months 
    (financed amount >$20,000)
    3.24% $14.24
    76-78 months 
    (financed amount $10,000-$19,999)
    3.49% $14.35
    79-84 months 
    (financed amount >$20,000)
    3.99% $13.66
    79-84 months 
    (financed amount $10,000-$19,999)
    4.24% $13.78
    Payments quoted are estimated monthly payments quoted per $1,000 borrowed for maximum term shown.

    Term
     
    Model Year 2009-2012
    Annual Percentage Rate
         Payment Per $1,000   
    1-36 MONTHS
    (financed amount >$20,000)
    2.74% $28.97
    1-36 MONTHS
    (financed amount $10,000-$19,999)
    2.99% $29.08
    37-75 months 
    (financed amount >$20,000)
    3.39% $14.81
    79-84 months 
    (financed amount $10,000-$19,999)
    3.64% $14.93
    Payments quoted are estimated monthly payments quoted per $1,000 borrowed for maximum term shown.

    Term
     
    Model Year 2008 & Older
    Annual Percentage Rate
         Payment Per $1,000   
    0-60 months
    (financed amount >$20,000)
    4.49% $18.64
    0-60 months
    (financed amount $10,000-$19,999)
    4.74% $18.75
    Payments quoted are estimated monthly payments quoted per $1,000 borrowed for maximum term shown.

    AUTO 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.



Alternative Vehicle Rates2

Effective date June 11, 2015
 
Type Payment Period Annual Percentage Rate 'as low as'
Motorcycles and Scooters 2013 - 2016 up to 84 months
Term determined by loan amount
2.99%
Motorcycles and Scooters 2009 - 2012 up to 84 months
Term determined by loan amount
3.24%
Motorcycles and Scooters 2008 & Older up to 66 months
Term determined by loan amount
8.25%
*APR = Annual Percentage Rate. Rates are subject to change without notice.
  •  Important Terms and Conditions


    Term
     
    Motorcycles and Scooters 2013 - 2016
    Annual Percentage Rate
         Payment Per $1,000   
    0-84 months 2.99% $9.25
    Payments quoted are estimated monthly payments quoted per $1,000 borrowed for maximum term shown.

    Term
     
    Motorcycles and Scooters 2009 - 2012
    Annual Percentage Rate
         Payment Per $1,000   
    0-84 months 3.24% $9.33
    Payments quoted are estimated monthly payments quoted per $1,000 borrowed for maximum term shown.

    Term
     
    Motorcycles and Scooters 2008 & Older
    Annual Percentage Rate
         Payment Per $1,000   
    0-66 months 8.25% $13.23
    Payments quoted are estimated monthly payments quoted per $1,000 borrowed for maximum term shown.

    ALTERNATIVE 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.

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

*APR = Annual Percentage Rate. ^APY = Annual Percentage Yield.

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