Space Coast Credit Union Has New 15-Month CD - EXPIRED


UPDATE 3/14/2019: The offer has ENDED.

Deal Summary: 15-month CD, 3.29% APY, $500 minimum deposit

Availability: Residents of 24 Florida counties.

Space Coast Credit Union (SCCU) is currently promoting a 15-month CD, which earns 3.29% APY. The minimum opening deposit is $500, with no stated balance cap.

The 15-month CD is the most competitive CD in the product line, with an APY that equals that of SCCU’s 60-month CD.

As stated in the Account Disclosures brochure, the Early Withdrawal Penalty reads as follows:

180 days of interest for Accounts with a term between 12 and 24 months

There is a 10-day grace period before the 15-month CD converts to a 12-month CD at the prevailing rate.


Headquartered in Melbourne, Florida, Space Coast Credit Union’s field of membership (FOM) is residency based, with individuals who live or work in any of the following 24 Florida counties eligible to join.

Florida counties – Brevard, Broward, Collier, Flagler, Indian River, Lake, Lee, Manatee, Marion, Martin, Miami-Dade, Monroe, Okeechobee, Orange, Osceola, Palm Beach, Pasco, Polk, Putnam, Seminole, St. Johns, St. Lucie, Sumter, or Volusia.

Family members of existing SCCU members also qualify for membership. "Family members" is defined as spouse, domestic partner, parent, child, sibling, grandparent, grandchild, aunt, uncle, niece, nephew, or cousin.

Joining SCCU can be done online or at any of 65 Florida branches, located along the Atlantic coast from Palm Coast to Homestead.

While opening CD cannot be done online per se, SCCU does have a “New Account Consultation” form to provide “assistance with choosing the right account for me.” Opening a CD can be done at any of the above mentioned full-service branch locations.

Credit Union Overview

Space Coast Credit Union has an overall health grade of "A" at, with a Texas Ratio of 4.62% (excellent) based on September 30, 2018 data. In the past year, SCCU has increased its total deposits by $158.53 million, an excellent annual growth rate of 4.68%. Please refer to our financial overview of Space Coast Credit Union (NCUA Charter # 67297) for more details.

Space Coast Credit Union was founded in 1951 as the Patrick Air Force Base Credit Union, serving the military personnel stationed at the base. (FYI – Patrick AFB is currently home to the 45th Space Wing, which commands the Cape Canaveral Air Force Station.) In 68 years, SCCU has grown from a fledgling credit union with seven members and $372 in assets to Florida’s third largest credit union, with more than 421,000 members and assets in excess of $4.2 billion.

How the CD Compares

When compared to 198 similar length-of-term CDs tracked by that are available with the FOM and require a similar minimum deposit, Space Coast Credit Union’s 15-month CD APY currently ranks first.

The above rates are accurate as of 2/20/2019.

To look for the best CD rates, both nationwide and state specific, please refer to our CD Rates Table page.

Related Pages: Miami CD rates, Orlando CD rates, West Palm Beach CD rates, 1-year CD rates

:-(   |     |   Comment #1
Why am I excluded from all of these great deals because of my location??? I hate seeing a great deal and not being able to open the CD. Perhaps, if I'm patient, one will eventually show up in my local.
RJM   |     |   Comment #2
NASA has a nearly identical deal at 3.20%. Just .05% off.

And Andrews will have a 3.25% 6 month next week.

Both are open to anyone.
#3 - This comment has been removed for violating our comment policy.
Cash Flow
Cash Flow   |     |   Comment #4
RJM - thank you - not obvious to all and reminders are much appreciated.
RJM   |     |   Comment #5
Correction the NASA 15 month is 09% off.
Robb   |     |   Comment #6
Looks like they also have one of the better IRA CD rates at 3.8% APY on a 5 year term.
Nothing   |     |   Comment #7
Yea...but after praying about it, I still didn’t see an avenue. Wait...newsflash...can it one be a joint on a CD with a resident of a noted geographical areas?
AnnO   |     |   Comment #9
That sounds like a bad idea to me. I think legally half of your funds would then be a gift to that person. If the 'resident' is a relative, just get them to join on their own with just the basic $5 savings account, and then you can join on your own. "Family members of existing SCCU members also qualify for membership."
Nothing   |     |   Comment #10
A winner but didn't see the family member connection on the post
Nothing   |     |   Comment #11
I sit are right on! But for the IRA it may be a bit more difficult
Nothing   |     |   Comment #12
Now I'm member joins....I then join and open the IRA! Must be late at night! Got it!
#13 - This comment has been removed for violating our comment policy.
???   |     |   Comment #14
#13 directed to #9 when i posted to Mountain America CU same for this CU also.
rockies   |     |   Comment #15
#6 Robb, I agree. The 3.8% APY 5 year IRA certificate rate makes it one of the highest IRA rates in the country. In addition, there are other super IRA certificate rates - 3.65% APY 54 months, 3.55% APY 48 months, 3.39% APY 42 months. Wish I qualified.
RickZ   |     |   Comment #17
Super harsh EWPs though: 365 days on CDs of 30 to 36 months and 730 days (!!) on CDs of 36 months and greater.
Kirkland   |     |   Comment #8
I called and a rep told me the dividend rate of 3.25% is paid quarterly and you cannot take the dividend out of the certificate, it must remain on deposit with the certificate the entire term.... I kinda have doubts about this but anyhow that is what the rep said
Anonymous   |     |   Comment #16
Just opened the certificate. The on line membership application is not functioning properly. I was almost finished, even had a membership # when it froze. Also, at the point it froze they wanted $10 from a debit card with a note that there could be a 2 day hold. Received an email with a Docusign document which I did not sign. Once at the branch the process was simple because everything I had done was on their system. The $10 is a $5 fee to join and $5 is required for the savings account.
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