Space Coast Credit Union

Overview / Commentary
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

Space Coast Credit Union (FL) Adds Competitive 33-Month CD Special - 11/17/2022

Space Coast Credit Union (FL) has added a limited-time 33-month CD Special with a competitive APY. $500 minimum opening deposit with no stated balance cap.

Space Coast CU Up To 4.84% On 33 Month Term - 11/16/2022

Available in a number of counties in FL:

Space Coast Credit Union (FL) 21-Mo CD Special Has Competitive Rate - 8/18/2022

Space Coast Credit Union (FL) has added a new, limited-time 21-month CD Special with a competitive APY. $500 minimum opening deposit with no stated balance cap.

View all posts from:

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.

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...

Atms Do Not Take Deposits

Posted by: |

Saturday afternoon. I drove to 4 branch locations in Orange City and Deland FL. One didn't have an ATM, fair enough. The other 3 had walkup ATMs, 2 of which were designated "Deposit taking ATM" on the SCCU website.
Don't waste your time and gas. The ATM took the cash, counted it correctly, and when I pushed the "Finish $XX deposit" button, it gave me the money back and the screen said the deposit could not be processed.
Been with SCCU for 10 years. Doesn't meet my needs anymore.

Unethical Approval Process

Posted by: |

I applied for an auto refi, I gave them information about the car and my financial. The person handling was communicating through the process. She HAD the car info and all. They gave me an approval for the amount ask. Then the last thing after pulling my credit and all they ask " hi, we just need the VIN to complete the loan," I send them the VIN and the next day they declined the loan. The person who was handling my loan just ghost me with out any even the curtesy to tell me they declined the loan after all of that.

You could have easily determine the value of the car WAY before all this effort when the info is all published. I applied for a few options they either ask you for a VIN or PLATE in the beginning. It's not private info you need the social to access.

Very unprofessional and waste of time.



Health Grade Components

NCUA #67297
Year Chartered1951
Primary Regulator
Profit Margin
Return on Assets - YTD1.01%
Return on Equity - YTD10.32%
Annual Interest Income$158.8MM
Assets and Liabilities
AssetsQ3 2022vs Q3 2021$7.93B$6.67B
LoansQ3 2022vs Q3 2021$6.49B$4.80B
DepositsQ3 2022vs Q3 2021$6.50B$5.83B
Equity CapitalQ3 2022vs Q3 2021$744.1MM$738.2MM
Loan Loss AllowanceQ3 2022vs Q3 2021$51.5MM$48.3MM
Unbacked Noncurrent LoansQ3 2022vs Q3 2021$19.4MM$13.6MM
Real Estate OwnedQ3 2022vs Q3 2021$0$0
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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

2.02%*-$25kSCCU Saving Cents Account
OTHER TIERS: 1.00% $25k+
0.75%*$250k*-IRA Savings
OTHER TIERS: 0.50% Up to $25k | 0.55% $25k - $100k | 0.60% $100k - $250k | 0.65% $100k - $250k
0.50%--Health Savings Account
0.25%--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

1.00%*$250k*-Money Market Savings
OTHER TIERS: 0.75% $2.5k - $10k | 0.80% $10k - $25k | 0.85% $25k - $50k | 0.90% $50k - $100k | 0.95% $100k - $250k
1.00%*$250k*-Business Money Market Savings
OTHER TIERS: 0.75% $2.5k - $10k | 0.80% $10k - $25k | 0.85% $25k - $50k | 0.90% $50k - $100k | 0.95% $100k - $250k

Space Coast Credit Union Checking Account Rates

0.50%*$100k*-Business Interest Checking
OTHER TIERS: 0.25% $7.5k - $50k | 0.30% $50k - $75k | 0.40% $75k - $100k
0.30%*$50k*-Interest Checking
OTHER TIERS: 0.15% Up to $5k | 0.25% $5k - $50k

Space Coast Credit Union CD Rates

4.84%$500-33 Month CD Special
4.84%$500-Business 33 Month CD Special
4.32%$500-23 Month CD Special
4.32%$500-Business 23 Month CD Special
3.80%$500-13 Month CD Special
3.80%$500-Business 13 Month CD Special
3.14%$500-60 Month CD
3.14%$500-Business 60 Month CD
3.09%$500-54 Month CD
3.09%$500-Business 54 Month CD
3.03%$500-48 Month CD
3.03%$500-Business 48 Month CD
2.88%$500-42 Month CD
2.88%$500-Business 42 Month CD
2.78%$500-36 Month CD
2.78%$500-Business 36 Month CD
2.63%$500-30 Month CD
2.63%$500-Business 30 Month CD
2.52%$500-24 Month CD
2.52%$500-Business 24 Month CD
2.27%$500-18 Month CD
2.27%$500-Business 18 Month CD
2.02%$500-12 Month CD
2.02%$500-Business 12 Month CD
1.51%$500-6 Month CD
1.51%$500-Business 6 Month CD

Space Coast Credit Union IRA Rates

3.14%$500-60 Month IRA CD
3.09%$500-54 Month IRA CD
3.03%$500-48 Month IRA CD
2.88%$500-42 Month IRA CD
2.78%$500-36 Month IRA CD
2.63%$500-30 Month IRA CD
2.52%$500-24 Month IRA CD
2.27%$500-18 Month IRA CD
2.02%$500-12 Month IRA CD
1.51%$500-6 Month IRA CD


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