Credit union · NCUA insured
Southern Coastal FCU CD Rates
Southern Coastal FCU’s best CD rate is 2.52% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Southern Coastal FCU’s CD rates compare
Compared with banks and credit unions near Gulfport, MS, where Southern Coastal FCU has the most branches. $10,000, best rate first.
This credit union’s best
Southern Coastal FCU
2.52%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $1,327
Share Certificate
Top rate
All In Credit Union
4.33%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $656
2nd-highest rate
Sunbelt Federal Credit Union
4.33%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $656
Southern Coastal FCU CD score
63
CD score
Higher than 9% of U.S. banks and credit unions
- 3–8 months3–8 mo0.75%
- 9–15 months9–15 mo1.26%
- 16–30 months16–30 mo1.71%
- 31–60 months31–60 mo2.52%
- QualifiedQualified2.52%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Southern Coastal FCU ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
Up to 2.52%APY · 7 terms
Dividends paid quarterly and at maturity (if applicable). Membership eligibility required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends paid quarterly and at maturity (if applicable) | 0.75% | $38 |
| 12 monthsDividends paid quarterly and at maturity (if applicable) | 1.26% | $126 |
| 18 monthsDividends paid quarterly and at maturity (if applicable) | 1.51% | $227 |
| 24 monthsDividends paid quarterly and at maturity (if applicable) | 1.71% | $346 |
| 36 monthsDividends paid quarterly and at maturity (if applicable) | 1.92% | $587 |
| 48 monthsDividends paid quarterly and at maturity (if applicable) | 2.02% | $833 |
| 60 monthsDividends paid quarterly and at maturity (if applicable) | 2.52% | $1,327 |
Sources (1)
- socofcu.org/rates · captured Sep 19, 2026
Special-purpose accounts
IRA Certificate
Up to 2.52%APY · 7 terms
Dividends paid quarterly and at maturity (if applicable). Membership eligibility required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends paid quarterly and at maturity (if applicable) | 0.75% | $38 |
| 12 monthsDividends paid quarterly and at maturity (if applicable) | 1.26% | $126 |
| 18 monthsDividends paid quarterly and at maturity (if applicable) | 1.51% | $227 |
| 24 monthsDividends paid quarterly and at maturity (if applicable) | 1.71% | $346 |
| 36 monthsDividends paid quarterly and at maturity (if applicable) | 1.92% | $587 |
| 48 monthsDividends paid quarterly and at maturity (if applicable) | 2.02% | $833 |
| 60 monthsDividends paid quarterly and at maturity (if applicable) | 2.52% | $1,327 |
Sources (1)
- socofcu.org/rates · captured Sep 19, 2026
Who can join Southern Coastal FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees, retirees, family and household members of Memorial Hospital Biloxi (formerly Merit Health Biloxi) are eligible for membership.
- Employees, retirees, family and household members of Oceans Behavorial (formerly Gulf Oaks) are eligible for membership.
- Employees, retirees, family and household members of Swetman Security Services are eligible for membership.
Military, government and schools
- Employees, retirees, family and household members of Biloxi Housing Authority are eligible for membership.
- Employees, retirees, family and household members of City of Biloxi are eligible for membership.
- Employees, retirees, family and household members of City of D'Iberville are eligible for membership.
3 more ways to join
Military, government and schools
- Employees, retirees, family and household members of Harrison County are eligible for membership.
- Employees, retirees, family and household members of Harrison County Library System are eligible for membership.
Other ways
- Individuals whose business or job has a common bond with the listed eligible groups can join.
Cost to join
- There are no fees to join.
Membership information collected October 4, 2026.