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 Broward, Brevard, Collier, Flagler, Indian River, Lake, Nassau, Lee, Manatee, Duval, Marion, Martin, Hillsborough, Miami-Dade, Monroe, Okeechobee, Orange, Clay, Osceola, Palm Beach, Pasco, Polk, Putnam, Seminole, St. Johns, St. Lucie, Sumter, Volusia, or Pinellas Counties, Florida. Family members of existing credit union members are also eligible to join.
See current membership details

Related Posts

Excellent IRA CD Rates Up To 3.85% APY At Space Coast Credit Union - 4/9/2019

Space Coast Credit Union (FL) has excellent IRA CD rates ranging from 3.03% APY (12-month) to 3.85% APY (60-month). Minimum opening deposit is $500.

3.85% APY 60 Month IRA Certificate And Other Competitive IRA Rates - 4/8/2019

Effective April, 2019, $500 Minimum Field of Membership limited to specific Florida counties 3.75% APY 54 Month 3.70% APY 48 Month 3.55% APY 42 Month 3.49% APY 36 Month 3.34% APY 30 Month 3.29% APY 24 Month 3.09% APY 18 Month 3.03% APY 12 Month

3.29 % 15 Month CD (Expired) - 2/22/2019

As a member of Space Coast Credit Union I got an email telling me about the 15 month special CD with 3.29%. I verified on the phone that it was a 15 month CD with no strings attached or need to be new money. I was informed on the phone and in person that if I failed to remove the money during the 10 day maturity that it would roll over into a 12 month CD at the prevailing rate. I ran in and took advantage of it. I have seen no other CU or Banks with as good of rate for such a short period of time.

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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: garyh1961 | Feb 21, 2019

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...

I made a poor decision

Posted by: drakeg20 | May 3, 2015

It was recommended to me to use Space Coast Credit Union but their checking and savings accounts are a joke. After a small period of time they quietly limit the amount you can transfer and don't say anything so I ended up with all kinds of outrageous fees at the end of the month.These kinds of tactics were quietly withheld from me during the signup process at the bank. I was told I would never pay any fees, etc. When I called to politely complain the customer service person hung up on me. I've since done some research on their overall financial health after the wall street crash of 2008 and it seems space coast credit union is on borrowed time which explains why they are now employing the shady tactics of big banks.

Banking with a Credit Union

Posted by: rexarcher | Dec 22, 2017

My experience has been nothing less than great. I'm happy to have used them for my banking needs. I always felt being a part of a Credit Union is better than just being part of a bank. The experience seems more personal and the rates for are pretty good. I would absolutely recommend them.



Health Grade Components

NCUA #67297
Year Chartered1951
Primary Regulator
Profit Margin
Return on Assets - YTD1.23%
Return on Equity - YTD8.76%
Annual Interest Income$151.2MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$4.14B$4.03B
LoansQ4 2018vs Q4 2017$3.52B$3.25B
DepositsQ4 2018vs Q4 2017$3.51B$3.42B
Equity CapitalQ4 2018vs Q4 2017$586.0MM$534.6MM
Loan Loss AllowanceQ4 2018vs Q4 2017$63.5MM$54.7MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$24.6MM$24.8MM
Real Estate OwnedQ4 2018vs Q4 2017$2.1MM$5.7MM
  User-submitted Promotions & Notices

This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.

3.85% APY 60 Month IRA Certificate And Other Competitive IRA Rates

rockies   |  
Effective April, 2019, $500 Minimum
Field of Membership limited to specific Florida counties

3.75% APY 54 Month
3.70% APY 48 Month
3.55% APY 42 Month
3.49% APY 36 Month
3.34% APY 30 Month
3.29% APY 24 Month
3.09% APY 18 Month
3.03% APY 12 Month

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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

1.51%*$250k*-IRA Savings
OTHER TIERS: 1.00% Up to $50k | 1.25% $50k - $250k
1.00%--Health Savings Account
0.40%--Christmas Club
0.30%*$100k*-Share Savings
OTHER TIERS: 0.25% Up to $100k
0.30%*$100k*-MyWay Savings
OTHER TIERS: 0.25% Up to $100k
0.30%*$100k*-Business Share Savings
OTHER TIERS: 0.25% Up to $100k
0.30%*$100k*-Youth Savings
OTHER TIERS: 0.25% Up to $100k

Space Coast Credit Union Money Market Rates

1.51%*$250k*-Money Market Savings
OTHER TIERS: 0.50% $2.5k - $10k | 0.75% $10k - $25k | 0.85% $25k - $50k | 1.00% $50k - $100k | 1.26% $100k - $250k
1.51%*$250k*-Business Money Market Savings
OTHER TIERS: 0.50% $2.5k - $10k | 0.75% $10k - $25k | 0.85% $25k - $50k | 1.00% $50k - $100k | 1.26% $100k - $250k

Space Coast Credit Union Checking Account Rates

0.75%*$50k*-Interest Checking
OTHER TIERS: 0.25% Up to $5k | 0.50% $5k - $50k
0.75%*$50k*-Business Interest Checking
OTHER TIERS: 0.50% $7.5k - $50k

Space Coast Credit Union CD Rates

3.34%$500-60 Month CD
3.24%$500-54 Month CD
3.19%$500-48 Month CD
3.03%$500-42 Month CD
2.98%$500-36 Month CD
2.83%$500-30 Month CD
2.78%$500-24 Month CD
2.57%$500-18 Month CD
2.52%$500-12 Month CD
2.01%$500-6 Month CD

Space Coast Credit Union IRA Rates

3.85%$500-60 Month IRA CD
3.75%$500-54 Month IRA CD
3.70%$500-48 Month IRA CD
3.55%$500-42 Month IRA CD
3.49%$500-36 Month IRA CD
3.34%$500-30 Month IRA CD
3.29%$500-24 Month IRA CD
3.09%$500-18 Month IRA CD
3.03%$500-12 Month IRA CD
2.52%$500-6 Month IRA CD


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