Space Coast Credit Union


Overview / Commentary
321-752-2222
8045 N Wickham Rd
Melbourne, FL 32940-7920

With just seven original members and $372 in combined assets, Space Coast Credit Union (“SCCU”) was founded, as Patrick Air Force Base Credit Union, in 1951. Today, headquartered in Melbourne, Florida, SCCU serves over 300,000 members at over 50 locations along Florida’s east coast. It remains a member-owned, not-for-profit financial cooperative.

SCCU offers both personal and business banking products and services. Its personal checking accounts – which include money market checking, student checking, and health savings checking accounts – all feature free debit cards, convenient online and mobile banking, and available overdraft services. In addition to money market checking accounts, SCCU also offers money market savings accounts with tiered interest rates, including multiple “Investors” money market accounts – which have higher interest yields, but also higher minimum opening deposits and minimum daily balances.

SCCU also offers personal savings accounts (a Share Savings Account is required for membership), Individual Retirement Accounts (IRAs), and Certificates of Deposit (CDs). Its IRA options include both IRA savings accounts and IRA CDs, and its CD terms range from 6 – 60 months. SCCU’s deposit funds are insured by the National Credit Union Administration (NCUA).

As far as business banking products go, SCCU offers business checking accounts, business Share Savings accounts (required for membership), business money market savings accounts, and business CDs (with terms from 6 to 60 months). The business checking accounts vary based upon transaction volume. Just like with its personal banking products, SCCU offers convenient online and mobile banking options to its business customers.

Field of Membership Restrictions

Membership in Space Coast Credit Union is open to those who live or work in the Florida counties of Brevard, Broward, Clay, Collier, Duval, Flagler, Hillsborough, Indian River, Lake, Lee, Manatee, Marion, Martin, Miami-Dade, Monroe, Nausau, Okeechobee, Orange, Osceola, Palm Beach, Pasco, Pinellas, Polk, Putnam, Seminole, St. Johns, St. Lucie, Sumter, or Volusia. Family members of existing credit union members are also eligible to join.
See current membership details

Related Posts

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Great Interaction With Staff

Posted by: |

I have read the reviews but I have not had any of the issues that were described. The staff has been nothing but helpful and pleasant to deal with.

P.A.F.B SCCU Experience

Went into the SCCU branch on May 25, 2019.Have not been in there for a long while. One of the tellers remembered me right away( Barbara Kelly).She has been with the SCCU bank for a long time. As we have as a retired Military Family,20 years plus. She made me feel welcomed and by end of visit there l was crying . Need more people working at the branches who care about their customers like family. The whole staff is wonderful at that branch. Did also tell the Bank manager there about my experience. Barbara Kelly and staff deserve store of the year in my opinion! Thank you for your time

Called About Special Rate

Posted by: |

Little deceptive . Yes you get the rate for 15 month. But also required to renew another 12 month at rate when renews. So actually a 27 month cd. And probably will average 2.90 over the total . So not really any better than a straight 12 month cd at any other bank. The rate games need to stop...

Worst Business EVER!!

Posted by: |

SCCU is the worst financial institution I have EVER experienced. They screw literally everything up... Customer service, credit cards, checking accounts!! And when you think that their customer service can't get any worse, they always find ways to screw things up worse. If you are looking for a "bank" that will give you nothing but huge amounts of stress... this is the bank for you!

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Health
A+

Health Grade Components

Overall
NCUA #67297
Year Chartered1951
Employees980
Primary Regulator
Profit Margin
Return on Assets - YTD1.07%
Return on Equity - YTD9.47%
Annual Interest Income$80.2MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$6.48B$5.61B
LoansQ2 2021vs Q2 2020$4.68B$4.23B
DepositsQ2 2021vs Q2 2020$5.67B$4.87B
Equity CapitalQ2 2021vs Q2 2020$722.2MM$666.4MM
Loan Loss AllowanceQ2 2021vs Q2 2020$50.8MM$50.1MM
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$15.2MM$14.7MM
Real Estate OwnedQ2 2021vs Q2 2020$633.00K$1.0MM
Rates
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Always verify rates and promotions with the bank or credit union. We are not Space Coast Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Space Coast Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%--Health Savings Account
0.20%*$250k*-IRA Savings
OTHER TIERS: 0.10% Up to $50k | 0.15% $50k - $250k
0.10%--Christmas Club
0.04%--Share Savings
0.04%--My Way Savings
0.04%-- Business Savings Account
0.04%--Youth Savings

Space Coast Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$25k*-Money Market Savings
OTHER TIERS: 0.05% $2.5k - $10k | 0.07% $10k - $25k
0.10%*$25k*-Business Money Market Savings
OTHER TIERS: 0.05% $2.5k - $10k | 0.07% $10k - $25k

Space Coast Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$50k*-Interest Checking
OTHER TIERS: 0.05% Up to $5k | 0.07% $5k - $50k
0.10%*$50k*-Business Interest Checking
OTHER TIERS: 0.05% $7.5k - $50k

Space Coast Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$500-60 Month CD
1.00%$500-Business 60 Month CD
0.95%$500-54 Month CD
0.95%$500-Business 54 Month CD
0.85%$500-48 Month CD
0.85%$500-Business 48 Month CD
0.80%$500-42 Month CD
0.80%$500-Business 42 Month CD
0.75%$500-36 Month CD
0.75%$500-Business 36 Month CD
0.65%$500-30 Month CD
0.65%$500-Business 30 Month CD
0.50%$500-24 Month CD
0.50%$500-Business 24 Month CD
0.45%$500-18 Month CD
0.45%$500-Business 18 Month CD
0.40%$500-12 Month CD
0.40%$500-Business 12 Month CD
0.15%$500-6 Month CD
0.15%$500-Business 6 Month CD

Space Coast Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.21%$500-60 Month IRA CD
1.15%$500-54 Month IRA CD
1.05%$500-48 Month IRA CD
1.00%$500-42 Month IRA CD
0.95%$500-36 Month IRA CD
0.85%$500-30 Month IRA CD
0.70%$500-24 Month IRA CD
0.65%$500-18 Month IRA CD
0.60%$500-12 Month IRA CD
0.35%$500-6 Month IRA CD
Locations

Availability



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