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

All Rates Dropped Hard - 3/18/2020

Quarter Point Rate Cut All Cds - 2/27/2020 As of this morning this was a huge rate cut. I used to almost always get one of the best rates here. I guess the rate cuts are coming soon to a bank or CU near you

Space Coast Credit Union (FL) Has Leading IRA CD Rates - 1/9/2020

Space Coast Credit Union (FL) has competitive IRA CD rates ranging from 2.25% APY (6-month) to 3.03% APY (60-month). Minimum opening deposit is $500.

View all posts from:

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

Banking with a Credit Union

Posted by: |

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.

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...

Untrustworthy CU

Posted by: |

This Credit Union in my experience will just jettison a 16 year customer without explanation or a chance to handle the problem. Must easier than doing due diligence. My funds are missing and no one returns a call. Take your chances I wish I didn't. So now I must file another fraud report. Thank god for lawyer insurance. I'm a Disabled Vet and my wife is on hospice and i can't order the bandages and pads i need. Sad how we treat the people we can get away with abusing, the elderly.



Health Grade Components

NCUA #67297
Year Chartered1951
Primary Regulator
Profit Margin
Return on Assets - YTD1.19%
Return on Equity - YTD8.97%
Annual Interest Income$160.4MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$4.92B$4.14B
LoansQ4 2019vs Q4 2018$3.76B$3.52B
DepositsQ4 2019vs Q4 2018$4.22B$3.51B
Equity CapitalQ4 2019vs Q4 2018$644.5MM$586.0MM
Loan Loss AllowanceQ4 2019vs Q4 2018$48.0MM$63.5MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$23.7MM$24.6MM
Real Estate OwnedQ4 2019vs Q4 2018$1.2MM$2.1MM
  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.

All Rates Dropped Hard


Quarter Point Rate Cut All Cds


As of this morning this was a huge rate cut. I used to almost always get one of the best rates here. I guess the rate cuts are coming soon to a bank or CU near you

Report an Issue

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%--Health Savings Account
1.00%*$250k*-IRA Savings
OTHER TIERS: 0.50% Up to $50k | 0.75% $50k - $250k
0.20%*$100k*-Share Savings
OTHER TIERS: 0.10% Up to $500 | 0.15% $500 - $100k
0.20%*$100k*-My Way Savings
OTHER TIERS: 0.10% Up to $500 | 0.15% $500 - $100k
0.15%--Christmas Club

Space Coast Credit Union Money Market Rates

0.40%*$100k*-Money Market Savings
OTHER TIERS: 0.15% $2.5k - $10k | 0.20% $10k - $25k | 0.25% $25k - $50k | 0.30% $50k - $100k

Space Coast Credit Union Checking Account Rates

0.35%*$50k*-Interest Checking
OTHER TIERS: 0.10% Up to $5k | 0.20% $5k - $50k
0.35%*$50k*-Business Interest Checking
OTHER TIERS: 0.15% $7.5k - $50k

Space Coast Credit Union CD Rates

1.41%$500-60 Month CD
1.41%$500-Business 60 Month CD
1.31%$500-54 Month CD
1.31%$500-Business 54 Month CD
1.21%$500-48 Month CD
1.21%$500-Business 48 Month CD
1.10%$500-42 Month CD
1.10%$500-Business 42 Month CD
1.00%$500-36 Month CD
1.00%$500-Business 36 Month CD
0.90%$500-30 Month CD
0.90%$500-Business 30 Month CD
0.80%$500-24 Month CD
0.80%$500-Business 24 Month CD
0.75%$500-18 Month CD
0.75%$500-Business 18 Month CD
0.70%$500-12 Month CD
0.70%$500-Business 12 Month CD
0.50%$500-6 Month CD
0.50%$500-Business 6 Month CD

Space Coast Credit Union IRA Rates

1.66%$500-60 Month IRA CD
1.56%$500-54 Month IRA CD
1.46%$500-48 Month IRA CD
1.36%$500-42 Month IRA CD
1.26%$500-36 Month IRA CD
1.15%$500-30 Month IRA CD
1.05%$500-24 Month IRA CD
1.00%$500-18 Month IRA CD
0.95%$500-12 Month IRA CD
0.75%$500-6 Month IRA CD


The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.