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Space Coast Credit Union

Popular Accounts at this Credit Union

1.81%5-year CD54 Month CD
1.81%5-year IRA54 Month IRA CD (Traditional, Roth, CESA)
1.10%1-year CD12 Month CD

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 Brevard, Flagler, Broward, Indian River, Miami-Dade, Martin, Orange, Monroe, Osceola, Palm Beach, Seminole, St. Johns, St. Lucie, or Volusia Counties in Florida.
See current membership details

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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.

Great place to bank

Posted by: IteDavWel | Dec 2, 2017

Space Coast credit union is a great banking institution. You are treated as part of a family there and not like other banks where you are just a number. They offer great customer service and the website and mobile app are easy to use. You really do not need to call in but if for some reason you do they are really good with their customer service and will work to resolve any issues you are having in a timely manner. I also get paid a day earlier through the credit union than when i was with a regular bank so that is a plus also. i really enjoy the experience i have had with them and would tell anyone looking for banking that this is where to go .

Space Coast mediocre

I called in because I was locked out from my online banking. When I called I had to talk to four different people before getting to someone that could truly help me. It made me extremely annoyed and wasted my time. I really feel like they could have done better in this department.

Bank was okay but customer service was lacking

The credit union as a whole was okay but one particular branch was just awful. And because they are small I had no choice but to use that particular location quite often. The managers were less than helpful and if you appeared upset at all because they were totally inept then they would refuse to help you. I had a state check that they tried to put a hold on and as I explained that it was a government check I was told I was wrong. I had to go to the regional manager and wait several days for a response. So I changed banks to a national chain and am now much happier



Health Grade Components

NCUA #67297
Year Chartered1951
Primary Regulator
Profit Margin
Return on Assets - YTD1.15%
Return on Equity - YTD8.69%
Annual Interest Income$123.8MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$4.03B$3.82B
LoansQ4 2017vs Q4 2016$3.25B$2.96B
DepositsQ4 2017vs Q4 2016$3.42B$3.23B
Equity CapitalQ4 2017vs Q4 2016$534.6MM$487.0MM
Loan Loss AllowanceQ4 2017vs Q4 2016$54.7MM$52.4MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$24.8MM$37.6MM
Real Estate OwnedQ4 2017vs Q4 2016$5.7MM$11.9MM
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* 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

1.01%--Health Savings Account
1.01%--Business Health Savings Account
0.50%*$250k*-IRA Savings
OTHER TIERS: 0.20% Up to $2,500 | 0.25% $2,500 - $10k | 0.30% $10k - $25k | 0.35% $25k - $50k | 0.40% $50k - $100k | 0.45% $100k - $250k
0.50%*$250k*-Business IRA Savings
OTHER TIERS: 0.20% Up to $2,500 | 0.25% $2,500 - $10k | 0.30% $10k - $25k | 0.35% $25k - $50k | 0.40% $50k - $100k | 0.45% $100k - $250k
0.27%*$100k*-Share Savings
OTHER TIERS: 0.08% Up to $2,500 | 0.12% $2,500 - $10k | 0.18% $10k - $50k | 0.22% $50k - $100k
0.27%*$100k*-Optional Savings
OTHER TIERS: 0.08% Up to $2,500 | 0.12% $2,500 - $10k | 0.18% $10k - $50k | 0.22% $50k - $100k
0.27%*$100k*-Business Share Savings
OTHER TIERS: 0.08% Up to $2,500 | 0.12% $2,500 - $10k | 0.18% $10k - $50k | 0.22% $50k - $100k
0.15%--Christmas Club

Space Coast Credit Union Money Market Rates

0.85%*$250k*-Money Market Savings
OTHER TIERS: 0.15% $2,500 - $10k | 0.35% $10k - $25k | 0.45% $25k - $50k | 0.65% $50k - $100k | 0.75% $100k - $250k
0.85%*$250k*-Business Money Market Savings
OTHER TIERS: 0.15% $2,500 - $10k | 0.35% $10k - $25k | 0.45% $25k - $50k | 0.65% $50k - $100k | 0.75% $100k - $250k
0.75%*$250k*-Money Market Checking
OTHER TIERS: 0.15% $5k - $10k | 0.25% $10k - $25k | 0.35% $25k - $50k | 0.55% $50k - $100k | 0.65% $100k - $250k
0.75%$50k-Premium Investors Money Market Savings w/Active Checking
0.65%$50k-Premium Investors Money Market Savings w/o Active Checking
0.35%$15k-Investors Money Market Savings w/Active Checking
0.15%$15k-Investors Money Market Savings w/o Active Checking

Space Coast Credit Union Checking Account Rates

0.75%*$250k*-Business Platinum Interest Checking
OTHER TIERS: 0.15% $5k - $10k | 0.25% $10k - $25k | 0.35% $25k - $50k | 0.55% $50k - $100k | 0.65% $100k - $250k
0.35%*$75k*-Business Interest Checking
OTHER TIERS: 0.17% $7,500 - $10k | 0.21% $10k - $25k | 0.25% $25k - $50k | 0.30% $50k - $75k
0.08%--Interest Checking

Space Coast Credit Union CD Rates

2.02%$500-60 Month CD
1.81%$500-54 Month CD
1.61%$500-48 Month CD
1.56%$500-42 Month CD
1.51%$500-36 Month CD
1.36%$500-30 Month CD
1.31%$500-24 Month CD
1.21%$500-18 Month CD
1.10%$500-12 Month CD
0.80%$500-6 Month CD

Space Coast Credit Union IRA Rates

2.02%$500-60 Month IRA CD
1.81%$500-54 Month IRA CD
1.61%$500-48 Month IRA CD
1.56%$500-42 Month IRA CD
1.51%$500-36 Month IRA CD
1.36%$500-30 Month IRA CD
1.31%$500-24 Month IRA CD
1.21%$500-18 Month IRA CD
1.10%$500-12 Month IRA CD
0.80%$500-6 Month IRA CD


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