Credit union · NCUA insured
Southern Coastal FCU Savings Rates
Southern Coastal FCU’s best savings rate is 0.50% APY on $10,000, with its Share Savings Accounts. Rates checked October 22, 2026.
How Southern Coastal FCU’s savings 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
0.50%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $50
Share Savings Accounts
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
Navigator Credit Union
3.25%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $325
Southern Coastal FCU savings score
80
Savings score
Higher than 52% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.50%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Savings Accounts
0.50%APY
Dividends Paid Quarterly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Dividends Paid Quarterly. APR is 0.25%. Average Daily Balance tier $5.01 to $2,499.99. | 0.25% | — | Dividends Paid Quarterly. APR is 0.25%. Average Daily Balance tier $5.01 to $2,499.99. |
| $2,500 – $5,000Dividends Paid Quarterly. APR is 0.40%. Average Daily Balance tier $2,500 to $4,999.99. | 0.40% | — | Dividends Paid Quarterly. APR is 0.40%. Average Daily Balance tier $2,500 to $4,999.99. |
| $5,000 and upDividends Paid Quarterly. APR is 0.50%. Average Daily Balance tier $5,000 and over. | 0.50% | $50 | Dividends Paid Quarterly. APR is 0.50%. Average Daily Balance tier $5,000 and over. |
Sources (1)
- socofcu.org/rates · captured Oct 15, 2026
Special-purpose accounts
IRA Savings
2.02%APY
Dividends Paid Quarterly. Covers Traditional and Roth.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $5Dividends Paid Quarterly. APR is 2.00%. Amount tier $5.01 and over.Over $5 | 2.02% | $202 | Dividends Paid Quarterly. APR is 2.00%. Amount tier $5.01 and over. |
Christmas Club Savings
1.01%APY
Dividends Paid Quarterly. Paid on the 1st Monday in November.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $5Dividends Paid Quarterly. APR is 1.00%. Amount tier $5.01 and over. Paid on the 1st Monday in November.Over $5 | 1.01% | $100 | Dividends Paid Quarterly. APR is 1.00%. Amount tier $5.01 and over. Paid on the 1st Monday in November. |
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.