--- title: "Southcoast Credit Union: #1 HELOC in Massachusetts" description: "Southcoast Credit Union has the lowest tracked HELOC rate in Massachusetts (4.50% APR) among 42 credit unions we verify. Southcoast Credit Union rates today: HELOC from 4.50% APR, savings & CDs up to 0.75% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Southcoast Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/massachusetts/southcoast" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Southcoast Credit Union: #1 HELOC in Massachusetts ### Auto & vehicle rates 2 offers | Product | Published | Rate | Term / condition | Status | | **New Auto Loan** auto_new | — APR | 4.990% | new | Standard | | **Used Auto Loan** auto_used | — APR | 5.000% | used | Context only | Southcoast Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 9 offers | Product | Published | Rate | Term / condition | Status | | **2-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 3.750% | — | Standard | | **3-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 4.000% | — | Standard | | **5-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 4.250% | — | Standard | | **Floor*** heloc | 4.500% APR | 4.500% | — | Standard | | **7-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 4.500% | — | Standard | | **10-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 4.500% | — | Standard | | **12-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 5.000% | — | Standard | | **15-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 5.500% | — | Standard | | **Initial Rate* (fixed 36 months)** heloc_fixed | 7.250% APR | 7.250% | — | Standard | Southcoast Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Debt Consolidation Program - 48 month max term** personal_unsecured_48mo | — APR | 4.990% | 48 mo | Standard | | **Unsecured Home Improvement Loan (60 months)** personal_unsecured_60mo | — APR | 5.990% | 60 mo | Standard | | **Unsecured Loans (1-5 Years)** personal_unsecured_60mo | — APR | 6.990% | 60 mo | Context only | Southcoast Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 11 offers | Product | Published | Rate | Term / condition | Status | | **$25 minimum to maintain membership in the Credit Union** savings | — APY | 0.03% | — | Context only | | **1,000.00 - 2,499.99** savings | — APY | 0.03% | — | Standard | | **2,500.00 - 9,999.99** savings | — APY | 0.05% | — | Standard | | **10,000.00 - 24,999.99** savings | — APY | 0.10% | — | Standard | | **25,000.00 - 99,999.99** savings | — APY | 0.15% | — | Standard | | **48-Month Certificate** cd_48mo | 0.65% APY | 0.65% | 48 mo | Standard | | **60-Month Certificate** cd_60mo | 0.75% APY | 0.75% | 60 mo | Standard | | **>100,000.00** savings | — APY | 1.50% | — | Standard | | **12-Month Certificate** cd_12mo | — APY | 3.00% | 12 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 3.50% | 24 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 3.75% | 36 mo | Standard | Southcoast Credit Union savings & cd rates as of November 12, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Seasonal Special - 11 month term** other | — % | 5.000% | — | Standard | Southcoast Credit Union other rates as of November 12, 2026 HELOC rates from 4.5% APR. Savings and certificate yields up to 0.75% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/massachusetts/southcoast) , verified from [Southcoast Credit Union's official website](https://southcoastcu.org/learn-more/hours-locations/) Best product position **#1 of 42** HELOC Gap to state best **0 bp** State market leader Vs. state median **225 bp better than median** HELOC Products ranked **1** across tracked Massachusetts markets | Product | Published APR | Position | Vs. state best | Vs. state median | | HELOC | 4.50% | #1 of 42 · lowest in Massachusetts | State market leader | 225 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Southcoast Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=southcoast&state=massachusetts&code=MA&name=Southcoast%20Credit%20Union) Loading branch locator… ## 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](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . 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. [**First Citizens'** DOWNTOWN NEW BEDFORD · NEW BEDFORD · MA · 02740 About 0.4 miles away](https://rateapi.dev/credit-unions/massachusetts/first-citizens) [**New Bedford** New Bedford Credit Union · New Bedford · MA · 02740-6635 About 0.6 miles away](https://rateapi.dev/credit-unions/massachusetts/new-bedford) [**Santo Christo** New Bedford Credit Union · New Bedford · MA · 02740-6635 About 0.6 miles away](https://rateapi.dev/credit-unions/massachusetts/santo-christo) [**Taunton** Taunton Federal Credit Union · New Bedford · MA · 02740 About 0.8 miles away](https://rateapi.dev/credit-unions/massachusetts/taunton) [**St. Anne's** Fairhaven · Fairhaven · MA · 02719-3090 About 2.0 miles away](https://rateapi.dev/credit-unions/massachusetts/st-annes) [**Alltrust** Alltrust Credit Union Main Office · Fairhaven · MA · 02719 About 2.7 miles away](https://rateapi.dev/credit-unions/massachusetts/alltrust) 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](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Southcoast Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Southcoast Health - Association Community Economic Development Center (CEDC) of Southeastern Massachusetts Verified from [Southcoast Credit Union's membership page](https://southcoastcu.org/learn-more/membership/) . Final membership determination is always made by the credit union. ## Membership rules for Southcoast Credit Union Employers · Associations · Family 3 published paths to membership, last verified August 27, 2026, quoted from Southcoast Credit Union’s own published criteria. ### Employers 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of Southcoast Health “If you are an employee of the hospital” > [source ↗](https://southcoastcu.org/learn-more/membership/) - Employee of Southcoast Health ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Member of Community Economic Development Center (CEDC) of Southeastern Massachusetts “If you are a voting member of the Community Economic Development Center (CEDC) of Southeastern Massachusetts” > [source ↗](https://southcoastcu.org/learn-more/membership/) - Member of Community Economic Development Center (CEDC) of Southeastern Massachusetts ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member immediate family “If you are an immediate family of a current Southcoast FCU member” > [source ↗](https://southcoastcu.org/learn-more/membership/) - Family member (immediate family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Southcoast Credit Union? Yes No ## Work at Southcoast Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Southcoast Credit Union ranks against Massachusetts peers. - See which AI assistants fetched Southcoast Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Massachusetts - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=southcoast&state=massachusetts&code=MA&name=Southcoast%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## 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 November 12, 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 November 12, 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 is Southcoast Credit Union's HELOC rate? As of November 12, 2026, Southcoast Credit Union offers home equity lines of credit from 4.5% APR. ### What is Southcoast Credit Union's best CD rate? As of November 12, 2026, Southcoast Credit Union offers savings and certificate (CD) yields up to 0.75% APY. ### Who can join Southcoast Credit Union? Southcoast Credit Union publishes its membership criteria on its own website. RateAPI tracks 3 published membership paths covering 1 employer and 1 association for Southcoast Credit Union, each quoted from Southcoast Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Southcoast Credit Union's rates against national credit-union benchmarks. [More Massachusetts credit unions](https://rateapi.dev/credit-unions/massachusetts) [Massachusetts auto loan rate leaders](https://rateapi.dev/auto-loan-rates/massachusetts) [Massachusetts HELOC rate leaders](https://rateapi.dev/heloc-rates/massachusetts) [Massachusetts personal loan leaders](https://rateapi.dev/personal-loan-rates/massachusetts) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://southcoastcu.org/learn-more/hours-locations/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Southcoast Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Massachusetts credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Southcoast Credit Union curl "https://api.rateapi.dev/credit-unions/massachusetts /southcoast " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Southcoast Credit Union locations Search, filter, and browse all 6 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/massachusetts/southcoast Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp