--- title: "Southern Coastal Credit Union Rates - Mississippi" description: "Current vehicle loan, personal loan, and savings & cd rates from Southern Coastal Credit Union in Mississippi. Updated daily with source verification. See who can join Southern Coastal Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/mississippi/southern-coastal" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Southern Coastal Credit Union Rates - Mississippi ### Auto & vehicle rates 10 offers | Product | Published | Rate | Term / condition | Status | | **New Auto(Current & 2 year Models) 48 month term or less** auto_new_48mo | — APR | 5.490% | 48 mo · new | Standard | | **72-Month New Auto Loan** auto_new_72mo | — APR | 5.990% | 72 mo · new | Standard | | **Used Auto(Models 3 to 9 year Models)** auto_used_108mo | — APR | 6.490% | 108 mo · used | Standard | | **New Boat(Current & Previous Year) 72 month term** boat_new_72mo | — APR | 7.990% | 72 mo · new | Standard | | **Classic Cars(Models 20 Years & Older)** auto_used | — APR | 7.990% | used | Standard | | **New Motorcycle/ATV (Current & Previous Year)** motorcycle_new | — APR | 7.990% | new | Standard | | **New & Used RV** rv_any | — APR | 7.990% | any | Standard | | **Used Boat(2 Years & Older) 72 month term** boat_used_72mo | — APR | 8.490% | 72 mo · used | Standard | | **Used Motorcycle/ATV (2 Years & Older)** motorcycle_used_24mo | — APR | 8.490% | 24 mo · used | Standard | | **Older Auto(Models 10 years+)** auto_used_120mo | — APR | 9.990% | 120 mo · used | Standard | Southern Coastal Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Share-Secured Loan** personal_secured | — APR | 3.500% | — | Standard | | **Household Goods** personal | — APR | 8.990% | — | Standard | | **Signature Loan** personal_unsecured | — APR | 10.950% | — | Standard | Southern Coastal Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 6 offers | Product | Published | Rate | Term / condition | Status | | **Checking ($5.01+)** checking | — APY | 0.25% | — | Specialty offer | | **$5.01 To $2,499.99** savings | — APY | 0.25% | — | Standard | | **$2,500 To $4,999.99** savings | — APY | 0.40% | — | Standard | | **$5,000 And Over** savings | — APY | 0.50% | — | Standard | | **Christmas Club Savings ($5.01 and over)** savings | — APY | 1.00% | — | Specialty offer | | **IRA ($5.01+)** ira | — APY | 2.00% | — | Standard | Southern Coastal Credit Union savings & cd rates as of November 12, 2026 ### Other rates 8 offers | Product | Published | Rate | Term / condition | Status | | **Call 228-432-0284 for more information. (6 month)** other | — % | 0.750% | — | Standard | | **Call 228-432-0284 for more information. (12 month)** other | — % | 1.250% | — | Standard | | **Call 228-432-0284 for more information. (18 month)** other | — % | 1.500% | — | Standard | | **Call 228-432-0284 for more information. (24 month)** other | — % | 1.700% | — | Standard | | **Call 228-432-0284 for more information. (36 month)** other | — % | 1.900% | — | Standard | | **Call 228-432-0284 for more information. (48 month)** other | — % | 2.000% | — | Standard | | **Call 228-432-0284 for more information. (60 month)** other | — % | 2.250% | — | Standard | | **Title Loan** other | — % | 9.990% | — | Standard | Southern Coastal Credit Union other rates as of November 12, 2026 Southern Coastal Credit Union is a credit union in Mississippi. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/mississippi/southern-coastal) , verified from [Southern Coastal Credit Union's official website](https://socofcu.org/) Loading branch locator… ## About Southern Coastal Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 1.6K Assets $13.6M Founded 1973 Locations reported 1 NCUA charter 24885 Charter type Federal credit union ### Services and member support - Online loan application - Electronic statements - Mobile check deposit - Payday Alternative Loans I 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. [**Hope** Biloxi · Biloxi · MS · 39530-3724 About 0.6 miles away](https://rateapi.dev/credit-unions/mississippi/hope) [**Keesler** Larcher · Keesler AFB · MS · 39534 About 1.2 miles away](https://rateapi.dev/credit-unions/mississippi/keesler) [**Biloxi Teachers** Biloxi Teachers Fed CU · Biloxi · MS · 39530 About 1.8 miles away](https://rateapi.dev/credit-unions/mississippi/biloxi-teachers) [**Sunbelt** Biloxi · Biloxi · MS · 39531 About 3.3 miles away](https://rateapi.dev/credit-unions/mississippi/sunbelt) [**Navigator** D'Iberville · Diberville · MS · 39540-5389 About 3.8 miles away](https://rateapi.dev/credit-unions/mississippi/navigator) [**Gulf Coast Community** D'Iberville Branch · DIberville · MS · 39540 About 3.8 miles away](https://rateapi.dev/credit-unions/mississippi/gulf-coast-community) 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 Southern Coastal Credit Union Membership eligibility from Southern Coastal Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Southern Coastal Credit Union's website. Check the membership page below to confirm whether you qualify. - Location harrison — MS - Employer Biloxi Housing Authority Verified from [Southern Coastal Credit Union's membership page](https://socofcu.org/about) . Final membership determination is always made by the credit union. ## Membership rules for Southern Coastal Credit Union Geography 1 county · Employers 2 · Family 3 7 published paths to membership, last verified August 27, 2026, quoted from Southern Coastal Credit Union’s own published criteria. ### Geography 2 Human-reviewed quoted from the credit union’s own published criteria · last verified August 21, 2026 - City Of D'iberville, MS - Harrison County, MS “We expanded our field of membership in 2010 to include the City of D'Iberville and Harrison County.” > [source ↗](https://socofcu.org/about) ### Employers 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of Biloxi Housing Authority “Employees, retirees, family and household members of the following are eligible for membership: Biloxi Housing Authority” > [source ↗](https://socofcu.org/about) - Employee of Biloxi Housing Authority - Retired employee of Biloxi Housing Authority “Biloxi Housing Authority” > [source ↗](https://socofcu.org/about) - Retiree of Biloxi Housing Authority ### Family 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member family, household member “Employees, retirees, family and household members of the following are eligible for membership” > [source ↗](https://socofcu.org/about) - Family member (family, household member) of a member - Family Of Qualified Biloxi Housing Authority “Biloxi Housing Authority” > [source ↗](https://socofcu.org/about) - Family member (household member) of an employee of Biloxi Housing Authority - Family of someone eligible family, household member “Employees, retirees, family and household members of the following are eligible for membership:” > [source ↗](https://socofcu.org/about) - Family member (family, household member) 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 Southern Coastal Credit Union? Yes No ## Work at Southern Coastal 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 Southern Coastal Credit Union ranks against Mississippi peers. - See which AI assistants fetched Southern Coastal Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Mississippi - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=southern-coastal&state=mississippi&code=MS&name=Southern%20Coastal%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Southern Coastal Credit Union offer? Southern Coastal Credit Union currently offers vehicle loan, 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 Southern Coastal Credit Union rates updated? RateAPI verifies Southern Coastal 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 Southern Coastal Credit Union's rate data? Rate data is collected directly from Southern Coastal 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 Southern Coastal Credit Union? Southern Coastal Credit Union publishes its membership criteria on its own website. RateAPI tracks 7 published membership paths covering 1 county and 2 employers for Southern Coastal Credit Union, each quoted from Southern Coastal Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Southern Coastal Credit Union's rates against national credit-union benchmarks. [More Mississippi credit unions](https://rateapi.dev/credit-unions/mississippi) [Mississippi auto loan rate leaders](https://rateapi.dev/auto-loan-rates/mississippi) [Mississippi personal loan leaders](https://rateapi.dev/personal-loan-rates/mississippi) [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://socofcu.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 Southern Coastal Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Mississippi 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 Southern Coastal Credit Union curl "https://api.rateapi.dev/credit-unions/mississippi /southern-coastal " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Southern Coastal Credit Union locations Search, filter, and browse all 1 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/mississippi/southern-coastal Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp