--- title: "South Central Credit Union Rates - Michigan" description: "Current mortgage, vehicle loan, heloc, personal loan, and savings & cd rates from South Central Credit Union in Michigan. Updated daily with source verification. See who can join South Central Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/michigan/south-central" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # South Central Credit Union Rates - Michigan ### Mortgage rates 9 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | — APR | 6.750% | — | Standard | | **15-Year Fixed** 15 year fixed | — APR | 6.375% | — | Standard | | **5/1 ARM** 5 1 arm | — APR | 6.000% | — | Standard | | **15-Year Fixed Rate (7/1 Adjustable Rate Mortgage)** 7 1 arm | — APR | 6.125% | — | Standard | | **15-Year Fixed Rate (5/1 Adjustable Rate Mortgage)** 5 1 arm | — APR | 6.502% | — | Standard | | **7/1 ARM** 7 1 arm | — APR | 6.608% | — | Standard | | **One-Time Close Construction** other | — APR | 7.000% | — | Standard | | **30-Year Fixed, Refinance** 30 year fixed | — APR | 6.750% | — | Standard | | **15-Year Fixed, Refinance** 15 year fixed | — APR | 6.375% | — | Standard | South Central Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Secured Loans (Auto)** auto_any_72mo | — APR | 4.990% | 72 mo | Standard | | **Secured Loans (Watercraft & Tractor)** boat_any_96mo | — APR | 5.990% | 96 mo | Standard | | **Secured Loans (ATV & Motorcycle)** powersports_any_72mo | — APR | 6.590% | 72 mo | Standard | | **Secured Loans (RV)** rv_any_72mo | — APR | 6.790% | 72 mo | Standard | South Central Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 3 offers | Product | Published | Rate | Term / condition | Status | | **5-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 6.875% | — | Standard | | **10-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 8.125% | — | Standard | | **15-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 8.375% | — | Standard | South Central Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Unsecured Loans (Other Unsecured Closed End Loans)** personal_unsecured | — APR | 8.990% | — | Standard | | **Personal Line of Credit** ploc_variable | — APR | 8.990% | — | Standard | South Central Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 13 offers | Product | Published | Rate | Term / condition | Status | | ****Platinum Plus Account ($1.00 to $2,999.99)** savings | — APY | 0.15% | — | Standard | | **Primary Shares** savings | — APY | 0.15% | — | Standard | | **Right Start Young Adult** savings | — APY | 0.25% | — | Eligibility restricted | | ****Platinum Plus Account ($3,000.00 to $24,999.99)** savings | — APY | 0.90% | — | Standard | | ****Platinum Plus Account ($25,000 and over)** savings | — APY | 1.00% | — | Standard | | **3-Month Certificate** cd_3mo | — APY | 1.50% | 3 mo | Standard | | **6-Month Certificate** cd_6mo | — APY | 1.55% | 6 mo | Standard | | **9-Month Certificate** cd_9mo | — APY | 1.70% | 9 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 2.00% | 12 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 2.25% | 24 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 2.35% | 36 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 2.45% | 48 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 2.55% | 60 mo | Standard | South Central Credit Union savings & cd rates as of November 12, 2026 ### Other rates 9 offers | Product | Published | Rate | Term / condition | Status | | **GOLD: Requires a minimum balance of $500.00 (3 Month)** other | — % | 1.500% | — | Standard | | **GOLD: Requires a minimum balance of $500.00 (6 Month)** other | — % | 1.550% | — | Standard | | **GOLD: Requires a minimum balance of $500.00 (9 Month)** other | — % | 1.700% | — | Standard | | **GOLD: Requires a minimum balance of $500.00 (1 Year)** other | — % | 2.000% | — | Standard | | **GOLD: Requires a minimum balance of $500.00 (2 Year)** other | — % | 2.250% | — | Standard | | **GOLD: Requires a minimum balance of $500.00 (3 Year)** other | — % | 2.350% | — | Standard | | **GOLD: Requires a minimum balance of $500.00 (4 Year)** other | — % | 2.450% | — | Standard | | **GOLD: Requires a minimum balance of $500.00 (5 Year)** other | — % | 2.550% | — | Standard | | **I am ready to:** other | — % | 3.040% | — | Standard | South Central Credit Union other rates as of November 12, 2026 South Central Credit Union is a credit union in Michigan. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/michigan/south-central) , verified from [South Central Credit Union's official website](https://www.southcentralcu.org/) Loading branch locator… ## 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](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. [**True Community** Clinton Road · Jackson · MI · 49202-2060 About 0.6 miles away](https://rateapi.dev/credit-unions/michigan/true-community) [**American 1** Cooper St · Jackson · MI · 49202 About 0.7 miles away](https://rateapi.dev/credit-unions/michigan/american-1) [**Ignite** Jackson Branch · Jackson · MI · 49201-1509 About 1.0 miles away](https://rateapi.dev/credit-unions/michigan/ignite) [**Michigan State University** MSUFCU - Jackson Branch · Jackson · MI · 49202-4198 About 1.1 miles away](https://rateapi.dev/credit-unions/michigan/michigan-state-university) [**Aeroquip** Aeroquip Credit Union · Jackson · MI · 49201 About 1.6 miles away](https://rateapi.dev/credit-unions/michigan/aeroquip) [**Community Choice** 17 Jackson Member Center · Jackson · MI · 49201-8610 About 1.7 miles away](https://rateapi.dev/credit-unions/michigan/community-choice) 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](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on South Central Credit Union's website. Check the membership page below to confirm whether you qualify. - Location branch, calhoun, eaton, hillsdale, ingham, jackson, lenawee, livingston, washtenaw — MI - Employer City of Jackson Michigan, County of Jackson Michigan, Michigan Railroaders, Jackson County Michigan Townships of Blackman, Leoni and Summit Verified from [South Central Credit Union's membership page](https://www.southcentralcu.org/join-sccu) . Final membership determination is always made by the credit union. ## Membership rules for South Central Credit Union Geography 9 counties · Employers 7 · Family 44 published paths to membership, last verified November 8, 2026, quoted from South Central Credit Union’s own published criteria. ### Geography 9 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Branch County, MI - Calhoun County, MI - Eaton County, MI - Hillsdale County, MI - Ingham County, MI - Jackson County, MI - Lenawee County, MI - Livingston County, MI - Washtenaw County, MI “Anyone who lives, works, worships, or attends school in counties of Branch, Calhoun, Eaton, Hillsdale, Ingham, Jackson, Lenawee, Livingston and Washtenaw in the State of Michigan.” > [source ↗](https://www.southcentralcu.org/join-sccu) ### Employers 7 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Employee of City of Jackson Michigan “City of Jackson Michigan employees and pensioners (retirees).” > [source ↗](https://www.southcentralcu.org/join-sccu) - Employee of City of Jackson Michigan - Retired employee of City of Jackson Michigan “City of Jackson Michigan employees and pensioners (retirees).” > [source ↗](https://www.southcentralcu.org/join-sccu) - Retiree of City of Jackson Michigan - Employee of County of Jackson Michigan “County of Jackson Michigan employees and pensioners (retirees).” > [source ↗](https://www.southcentralcu.org/join-sccu) - Employee of County of Jackson Michigan - Retired employee of County of Jackson Michigan “County of Jackson Michigan employees and pensioners (retirees).” > [source ↗](https://www.southcentralcu.org/join-sccu) - Retiree of County of Jackson Michigan - Employee of Michigan Railroaders “Michigan Railroaders employees and family members.” > [source ↗](https://www.southcentralcu.org/join-sccu) - Employee of Michigan Railroaders - Employee of Jackson County Michigan Townships of Blackman, Leoni and Summit “Employees of the Jackson County Michigan Townships of Blackman, Leoni and Summit.” > [source ↗](https://www.southcentralcu.org/join-sccu) - Employee of Jackson County Michigan Townships of Blackman, Leoni and Summit - Employee of South Central Credit Union “Employees of South Central Credit Union.” > [source ↗](https://www.southcentralcu.org/join-sccu) - Employee of South Central Credit Union ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Family of someone eligible immediate family “Any immediate family member of a current primary member related by blood or marriage, including living or not living in the same household.” > [source ↗](https://www.southcentralcu.org/join-sccu) - Family member (immediate family) of an eligible person 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 South Central Credit Union? Yes No ## Work at South Central 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 South Central Credit Union ranks against Michigan peers. - See which AI assistants fetched South Central Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Michigan - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=south-central&state=michigan&code=MI&name=South%20Central%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## 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 November 12, 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 November 12, 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. ### Who can join South Central Credit Union? South Central Credit Union publishes its membership criteria on its own website. RateAPI tracks 44 published membership paths covering 9 counties and 7 employers for South Central Credit Union, each quoted from South Central Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare South Central Credit Union's rates against national credit-union benchmarks. [More Michigan credit unions](https://rateapi.dev/credit-unions/michigan) [Michigan mortgage rate leaders](https://rateapi.dev/mortgage-rates/michigan) [Michigan auto loan rate leaders](https://rateapi.dev/auto-loan-rates/michigan) [Michigan HELOC rate leaders](https://rateapi.dev/heloc-rates/michigan) [Michigan personal loan leaders](https://rateapi.dev/personal-loan-rates/michigan) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [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://www.southcentralcu.org/) ### 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 South Central Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Michigan 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 South Central Credit Union curl "https://api.rateapi.dev/credit-unions/michigan /south-central " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## South Central Credit Union locations Search, filter, and browse all 2 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/michigan/south-central Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp