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Southcoast Federal Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 13, 2026
Southcoast Federal Credit Union's top rates as of October 13, 2026 are 3.82% APY on its 3 Year Share/IRA CDs, 1.50% APY on savings, and personal loans from 5.99% APR, according to rates verified by MonitorBankRates. Other Southcoast Federal Credit Union CD rates include 2 Year Share/IRA CDs at 3.56%, 1 Year Share/IRA CDs at 3.04%, and 5 Year Share/IRA CDs at 0.75%. MonitorBankRates evaluates the financial stability of Southcoast Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.32%. Rates last updated and verified on 10/13/2026.
Southcoast Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Southcoast Federal Credit Union? Share your experience about Southcoast Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Southcoast Federal Credit Union.
Southcoast Federal Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Southcoast Federal Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
1.32%
ExcellentLower than avg
Southcoast Federal Credit Union Texas Ratio
Southcoast Federal Credit Union's Texas Ratio is 1.32%, which is considered excellent and is lower than the national average of 6.13%.
Southcoast Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
3.07% to 1.32% over 12 quarters, improvingFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has improved and is now very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
Southcoast Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
3 Year Share/IRA Certificates
3.75%
3.82%
3 Year
Min Deposit$500
Last Updated10/13/2026
Rate History
No change since Sep 21, 2026 · 3.82% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
2 Year Share/IRA Certificates
3.50%
3.56%
2 Year
Min Deposit$500
Last Updated10/13/2026
Rate History
No change since Sep 21, 2026 · 3.56% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
1 Year Share/IRA Certificates
3.00%
3.04%
1 Year
Min Deposit$500
Last Updated10/13/2026
Rate History
No change since Sep 21, 2026 · 3.04% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
5 Year Share/IRA Certificates
0.75%
0.75%
5 Year
Min Deposit$500
Last Updated10/13/2026
Rate History
No change since Sep 21, 2026 · 0.75% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
4 Year Share/IRA Certificates
0.65%
0.65%
4 Year
Min Deposit$500
Last Updated10/13/2026
Rate History
No change since Sep 21, 2026 · 0.65% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Southcoast Federal Credit Union Savings Rates
Product
Rate
APY
View More
Tiered Savings/Money Market Accounts
1.50%
1.50%
Min Balance$100,000
DetailsBalance: >100,000.00; Variable rate - Rate may change after account opening
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Tiered Savings/Money Market Accounts
0.15%
0.15%
Min Balance$25,000
DetailsBalance: 25,000.00 - 99,999.99; Variable rate - Rate may change after account opening
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Tiered Savings/Money Market Accounts
0.10%
0.10%
Min Balance$10,000
DetailsBalance: 10,000.00 - 24,999.99; Variable rate - Rate may change after account opening
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Tiered Savings/Money Market Accounts
0.05%
0.05%
Min Balance$2,500
DetailsBalance: 2,500.00 - 9,999.99; Variable rate - Rate may change after account opening
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Christmas Club
0.03%
0.03%
Details$5 fee applies to early withdrawal
Last Updated10/13/2026
Rate History
No change since Sep 29, 2026 · 0.03% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Tiered Savings/Money Market Accounts
0.03%
0.03%
Min Balance$1,000
DetailsBalance: 1,000.00 - 2,499.99; Variable rate - Rate may change after account opening
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.03% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Southcoast Federal Credit Union Money Market Rates
Product
Rate
APY
View More
Tiered Savings/Money Market Accounts
1.50%
1.50%
Min Balance$100,000
DetailsBalance: >100,000.00; Variable rate - Rate may change after account opening
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Tiered Savings/Money Market Accounts
0.15%
0.15%
Min Balance$25,000
DetailsBalance: 25,000.00 - 99,999.99; Variable rate - Rate may change after account opening
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Tiered Savings/Money Market Accounts
0.10%
0.10%
Min Balance$10,000
DetailsBalance: 10,000.00 - 24,999.99; Variable rate - Rate may change after account opening
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Tiered Savings/Money Market Accounts
0.05%
0.05%
Min Balance$2,500
DetailsBalance: 2,500.00 - 9,999.99; Variable rate - Rate may change after account opening
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Tiered Savings/Money Market Accounts
0.03%
0.03%
Min Balance$1,000
DetailsBalance: 1,000.00 - 2,499.99; Variable rate - Rate may change after account opening
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.03% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Southcoast Federal Credit Union Home Equity & HELOC
No change since Sep 21, 2026 · 6.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Unsecured Loans
7.99%
1-5 Years
DetailsCredit Grade: A 720-739; Minimum Amount: $1,000; Maximum Loan Amount: $30,000
Last Updated10/13/2026
Rate History
No change since Sep 21, 2026 · 7.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Unsecured Loans
8.99%
1-5 Years
DetailsCredit Grade: B 700-719; Minimum Amount: $1,000; Maximum Loan Amount: $30,000
Last Updated10/13/2026
Rate History
No change since Sep 21, 2026 · 8.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Unsecured Loans
9.99%
1-5 Years
DetailsCredit Grade: C 680-699; Minimum Amount: $1,000; Maximum Loan Amount: $30,000
Last Updated10/13/2026
Rate History
No change since Sep 21, 2026 · 9.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Unsecured Loans
10.99%
1-5 Years
DetailsCredit Grade: D 660-679; Minimum Amount: $1,000; Maximum Loan Amount: $30,000
Last Updated10/13/2026
Rate History
No change since Sep 21, 2026 · 10.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Unsecured Loans
11.99%
1-5 Years
DetailsCredit Grade: E 640-659; Minimum Amount: $1,000; Maximum Loan Amount: $30,000
Last Updated10/13/2026
Rate History
No change since Sep 21, 2026 · 11.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Unsecured Loans
12.99%
1-5 Years
DetailsCredit Grade: F 620-639; Minimum Amount: $1,000; Maximum Loan Amount: $30,000
Last Updated10/13/2026
Rate History
No change since Sep 21, 2026 · 12.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Unsecured Loans
13.99%
1-5 Years
DetailsCredit Grade: G < 619; Minimum Amount: $1,000; Maximum Loan Amount: $30,000
Last Updated10/13/2026
Rate History
No change since Sep 21, 2026 · 13.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Southcoast Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Seasonal Special - 11 month term Loan
-
-
3.50%
11 month
DetailsCredit Grade: Platinum 740+; Maximum Amount: 3,500; Unsecured loan; Example: 11 month term at 3.50% APR
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Seasonal Special - 11 month term Loan
-
-
4.00%
11 month
DetailsCredit Grade: B 700-719; Maximum Amount: 3,500; Unsecured loan
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Seasonal Special - 11 month term Loan
-
-
4.50%
11 month
DetailsCredit Grade: C 680-699; Maximum Amount: 3,500; Unsecured loan
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Seasonal Special - 11 month term Loan
-
-
5.00%
11 month
DetailsCredit Grade: D 660-679; Maximum Amount: 3,500; Unsecured loan
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Seasonal Special - 11 month term Loan
-
-
5.50%
11 month
DetailsCredit Grade: E 640-659; Maximum Amount: 3,500; Unsecured loan
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Seasonal Special - 11 month term Loan
-
-
6.00%
11 month
DetailsCredit Grade: F 620-639; Maximum Amount: 3,500; Unsecured loan
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Seasonal Special - 11 month term Loan
-
-
6.50%
11 month
DetailsCredit Grade: G < 619; Maximum Amount: 3,500; Unsecured loan
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 6.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Shares
0.03%
-
0.03%
Min Balance$50
Details$25 minimum to maintain membership in the Credit Union; Dividends will be paid on balances over $50
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.03% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.32%
Financial Health History
Southcoast Federal Credit Union’s Texas Ratio fell from 3.07% in Q3 2023 to 1.32% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$59M
1.32%
5.0
A+
March 31, 2026
$60M
2.10%
5.0
A+
December 31, 2025
$60M
1.60%
5.0
A+
September 30, 2025
$59M
1.57%
5.0
A+
June 30, 2025
$60M
2.43%
5.0
A+
March 31, 2025
$60M
1.76%
5.0
A+
December 31, 2024
$60M
4.17%
5.0
A+
September 30, 2024
$62M
3.19%
5.0
A+
June 30, 2024
$66M
3.22%
5.0
A+
March 31, 2024
$69M
4.30%
5.0
A+
December 31, 2023
$66M
2.97%
5.0
A+
September 30, 2023
$69M
3.07%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating
Our rating for Southcoast Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Southcoast Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Southcoast Federal Credit Union's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,522,066
Total Uninsured Shares and Deposits > $250K (F+J)
2,522,066
Total Insured Shares and Deposits > $250K (item 17 less item K)
45,447,748
Total Interest Expense (Sum of items 6 8)
222,035
Share Certificates
182
Number of Accounts for Share Drafts
2,133
IRA KEOGH Accounts
45
Number of Accounts for Regular Shares
6,305
Non Member Deposits
49
Money Market Shares
93
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
5,158,908
Total Liabilities
51,649,136
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
Southcoast Federal Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Southcoast Federal Credit Union
Frequently Asked Questions About Southcoast Federal Credit Union
How many branches does Southcoast Federal Credit Union operate?
Southcoast Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is a member application needed to join Southcoast Federal Credit Union?
Yes, to access services at Southcoast Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.
Is there a first-time homebuyer program?
Currently, Southcoast Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, Southcoast Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Southcoast Federal Credit Union offer online and mobile banking?
Most modern institutions like Southcoast Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.southcoastcu.org.
Current Southcoast Federal Credit Union Rates
12-Month CD3.04%
24-Month CD3.56%
60-Month CD0.75%
Savings1.50%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
