# Space Coast Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/space-coast-credit-union
Institution: Space Coast Credit Union (NCUA 67297)
Aliases: Space Coast, SCCU
Status: live
Last verified: 2026-10-22T10:08:53.000Z (October 22, 2026)
Official source: https://www.sccu.com/personal/cds
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate of Deposit (CD) | standard | 3 months | $500 | 3.75% | Not ZIP-priced | −0.54% | 2026-10-22T10:08:53.000Z | [Snapshot 226](https://apyledger.com/snapshots/226) |
| Certificate of Deposit (CD) | standard | 6 months | $500 | 3.85% | Not ZIP-priced | −0.55% | 2026-10-22T10:08:53.000Z | [Snapshot 226](https://apyledger.com/snapshots/226) |
| Certificate of Deposit (CD) | standard | 9 months | $500 | 3.95% | Not ZIP-priced | −0.53% | 2026-10-22T10:08:53.000Z | [Snapshot 226](https://apyledger.com/snapshots/226) |
| Certificate of Deposit (CD) | standard | 12 months | $500 | 4.25% | Not ZIP-priced | −0.32% | 2026-10-22T10:08:53.000Z | [Snapshot 226](https://apyledger.com/snapshots/226) |
| Certificate of Deposit (CD) | promotional | 18 months | $500 | 4.25% | Not ZIP-priced | −0.47% | 2026-10-22T10:08:53.000Z | [Snapshot 226](https://apyledger.com/snapshots/226) |
| Certificate of Deposit (CD) | standard | 24 months | $500 | 3.75% | Not ZIP-priced | −1.12% | 2026-10-22T10:08:53.000Z | [Snapshot 226](https://apyledger.com/snapshots/226) |
| Certificate of Deposit (CD) | standard | 30 months | $500 | 3.55% | Not ZIP-priced | −1.36% | 2026-10-22T10:08:53.000Z | [Snapshot 226](https://apyledger.com/snapshots/226) |
| Certificate of Deposit (CD) | standard | 36 months | $500 | 3.55% | Not ZIP-priced | −1.40% | 2026-10-22T10:08:53.000Z | [Snapshot 226](https://apyledger.com/snapshots/226) |
| Certificate of Deposit (CD) | standard | 42 months | $500 | 3.60% | Not ZIP-priced | −1.37% | 2026-10-22T10:08:53.000Z | [Snapshot 226](https://apyledger.com/snapshots/226) |
| Certificate of Deposit (CD) | standard | 48 months | $500 | 3.65% | Not ZIP-priced | −1.33% | 2026-10-22T10:08:53.000Z | [Snapshot 226](https://apyledger.com/snapshots/226) |
| Certificate of Deposit (CD) | standard | 54 months | $500 | 3.70% | Not ZIP-priced | −1.30% | 2026-10-22T10:08:53.000Z | [Snapshot 226](https://apyledger.com/snapshots/226) |
| Certificate of Deposit (CD) | standard | 60 months | $500 | 3.75% | Not ZIP-priced | −1.26% | 2026-10-22T10:08:53.000Z | [Snapshot 226](https://apyledger.com/snapshots/226) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.