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 Company And Agent Ever

Posted by: |

I never Ever see something like that in my life I apply for a Loan Construction and the agent was over case is Tina Clark ..
we’ve been on that process for almost a year
1- when she received my application she told me I’m approve and send me the letter after 2 days she told me there is a mistake on my income on the application
She can’t qualify me after I already put pay 6000 down for the Builder and that money is not refundable.

2- she ask me to wait for 3 month to get my 2 years tax to add on my incomes I accept.

3- four months later I send her my 2 years tax return and she get back to me and said good news you qualify and the builder can process now …
Two days after she email me and told me there is another problem my credit went down I’m gonna need 15% down I told her no problem let’s do 20% down .
She come back to me again and said we need to wait until your credit go up I told her I used my card but I paid it off the same week and send her all the proof..
She told me okay let’s wait after one week my credit went back up and I told her my credit is up she told me we still need to wait because the system is not like when I pull my credit on equifax or credit union ..

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Health
A+

Health Grade Components

Overall
NCUA #67297
Year Chartered1951
Employees923
Primary Regulator
Profit Margin
Return on Assets - YTD1.05%
Return on Equity - YTD9.33%
Annual Interest Income$166.6MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$6.75B$5.96B
LoansQ4 2021vs Q4 2020$4.93B$4.38B
DepositsQ4 2021vs Q4 2020$5.92B$5.19B
Equity CapitalQ4 2021vs Q4 2020$752.0MM$697.0MM
Loan Loss AllowanceQ4 2021vs Q4 2020$45.8MM$56.4MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$13.6MM$16.1MM
Real Estate OwnedQ4 2021vs Q4 2020$0$474.00K
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
2.02%*-$25kSCCU Saving Cents Account
OTHER TIERS: 0.04% $25k+
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
1.15%$500-60 Month CD
1.15%$500-Business 60 Month CD
1.00%$500-54 Month CD
1.00%$500-Business 54 Month CD
0.95%$500-48 Month CD
0.95%$500-Business 48 Month CD
0.85%$500-42 Month CD
0.85%$500-Business 42 Month CD
0.80%$500-36 Month CD
0.80%$500-Business 36 Month CD
0.70%$500-30 Month CD
0.70%$500-Business 30 Month CD
0.65%$500-24 Month CD
0.65%$500-Business 24 Month CD
0.55%$500-18 Month CD
0.55%$500-Business 18 Month CD
0.50%$500-12 Month CD
0.50%$500-Business 12 Month CD
0.25%$500-6 Month CD
0.25%$500-Business 6 Month CD

Space Coast Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.36%$500-60 Month IRA CD
1.21%$500-54 Month IRA CD
1.15%$500-48 Month IRA CD
1.05%$500-42 Month IRA CD
1.00%$500-36 Month IRA CD
0.90%$500-30 Month IRA CD
0.85%$500-24 Month IRA CD
0.75%$500-18 Month IRA CD
0.70%$500-12 Month IRA CD
0.45%$500-6 Month IRA CD
Locations

Availability

Miami Area

Interactive local rates map


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