Space Coast Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, Space Coast Credit Union's highest CD (share certificate) rate is 4.25% APY on a 12-month CD ($500 minimum). That is 2.4 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 3.55% to 4.25% APY.
Tracking began .
Space Coast Credit Union CD & share certificate rates
| Term | Product | APY |
|---|---|---|
| 3 months | Certificate of Deposit (CD) | 3.75%Verified October 22, 2026 |
| 6 months | Certificate of Deposit (CD) | 3.85%Verified October 22, 2026 |
| 9 months | Certificate of Deposit (CD) | 3.95%Verified October 22, 2026 |
| 12 months | Certificate of Deposit (CD) | 4.25%Verified October 22, 2026 |
| 18 months | Certificate of Deposit (CD) Promotional | 4.25%Verified October 22, 2026 |
| 24 months | Certificate of Deposit (CD) | 3.75%Verified October 22, 2026 |
| 30 months | Certificate of Deposit (CD) | 3.55%Verified October 22, 2026 |
| 36 months | Certificate of Deposit (CD) | 3.55%Verified October 22, 2026 |
| 42 months | Certificate of Deposit (CD) | 3.60%Verified October 22, 2026 |
| 48 months | Certificate of Deposit (CD) | 3.65%Verified October 22, 2026 |
| 54 months | Certificate of Deposit (CD) | 3.70%Verified October 22, 2026 |
| 60 months | Certificate of Deposit (CD) | 3.75%Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 4.25% APY (18 months). The standard rate for a similar term is 3.75% APY (24 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $50 less per year. Check the account terms and set a reminder before maturity.
What are Space Coast Credit Union's best CD rates by term?
Space Coast Credit Union's best rate is 4.25% APY on 12 months, verified October 22, 2026.
- 3 mo3.75%
- 6 mo3.85%
- 9 mo3.95%
- 12 mo4.25%
- 18 mo4.25%
- 24 mo3.75%
- 30 mo3.55%
- 36 mo3.55%
- 42 mo3.60%
- 48 mo3.65%
- 54 mo3.70%
- 60 mo3.75%
How much interest could a Space Coast Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $46.103.75% APY · Certificate of Deposit (CD) · Standard | $92.213.75% APY · Certificate of Deposit (CD) · Standard | $230.513.75% APY · Certificate of Deposit (CD) · Standard | $461.033.75% APY · Certificate of Deposit (CD) · Standard |
| 6 months | $95.603.85% APY · Certificate of Deposit (CD) · Standard | $191.213.85% APY · Certificate of Deposit (CD) · Standard | $478.023.85% APY · Certificate of Deposit (CD) · Standard | $956.053.85% APY · Certificate of Deposit (CD) · Standard |
| 9 months | $147.543.95% APY · Certificate of Deposit (CD) · Standard | $295.083.95% APY · Certificate of Deposit (CD) · Standard | $737.713.95% APY · Certificate of Deposit (CD) · Standard | $1,475.423.95% APY · Certificate of Deposit (CD) · Standard |
| 12 months | $212.504.25% APY · Certificate of Deposit (CD) · Standard | $425.004.25% APY · Certificate of Deposit (CD) · Standard | $1,062.504.25% APY · Certificate of Deposit (CD) · Standard | $2,125.004.25% APY · Certificate of Deposit (CD) · Standard |
| 18 months | $322.424.25% APY · Certificate of Deposit (CD) · Promotional | $644.834.25% APY · Certificate of Deposit (CD) · Promotional | $1,612.084.25% APY · Certificate of Deposit (CD) · Promotional | $3,224.174.25% APY · Certificate of Deposit (CD) · Promotional |
| 24 months | $382.033.75% APY · Certificate of Deposit (CD) · Standard | $764.063.75% APY · Certificate of Deposit (CD) · Standard | $1,910.163.75% APY · Certificate of Deposit (CD) · Standard | $3,820.313.75% APY · Certificate of Deposit (CD) · Standard |
| 60 months | $1,010.503.75% APY · Certificate of Deposit (CD) · Standard | $2,021.003.75% APY · Certificate of Deposit (CD) · Standard | $5,052.503.75% APY · Certificate of Deposit (CD) · Standard | $10,104.993.75% APY · Certificate of Deposit (CD) · Standard |
How Space Coast Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 365-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 14 of 64 tracked institutions with fresh 365-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Space Coast Credit Union (this institution)Certificate of Deposit (CD) · Standard | 12 months | $500 | Coverage: FL | 4.25% | October 22, 2026 |
| Popular DirectCertificate of Deposit · Standard | 12 months | $10,000 | Nationwide; check eligibility | 4.60% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 12 months | Not stated | Nationwide; check eligibility | 4.55% | October 22, 2026 |
| Barclays12 Month CD · Standard | 12 months | Not stated | Nationwide; check eligibility | 4.50% | October 22, 2026 |
| Truliant Federal Credit Union (highest tracked APY for this term)Limited-Time 12 Month Term (new external funds required) · Promotional | 12 months | $5,000 | Coverage: NC, SC, VA | 5.00% | October 22, 2026 |
| Treasury (APY-equivalent) | 12 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.57% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Space Coast Credit Union on October 22, 2026.
About Space Coast Credit Union
- Legal name
- Space Coast Credit Union
- Regulator ID
- NCUA 67297
- Headquarters
- Melbourne, FL
- Available in
- FL
- Total assets
- $9.2 billion
- Also known as
- Space Coast, SCCU
- Website
- www.sccu.com
Source: rates read from https://www.sccu.com/personal/cds. See the page text we read.
Frequently asked questions
What is the highest CD rate at Space Coast Credit Union?
4.25% APY on a 12-month CD, as of October 22, 2026.
What is the minimum deposit for a Space Coast Credit Union CD?
The lowest minimum we found is $500.
How does Space Coast Credit Union's best CD rate compare with Treasury yields?
4.25% APY is −0.32% versus the 12-month Treasury yield of 4.57% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.25% a good CD rate?
It is 2.4 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Space Coast Credit Union CDs insured?
Space Coast Credit Union is a federally insured credit union (NCUA 67297). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Space Coast Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check Space Coast Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from Space Coast Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Space Coast Credit Union before opening an account. This page is not financial advice.