Space Coast Credit Union Auto Loan Rates – As the third largest credit union in Florida, Space Coast Credit Union is certainly no stranger to the world of financial services.
Space Coast Credit Union (SCCU) has been in business since 1951 and currently provides banking services to nearly 400,000 members. He is famous in and around Melbourne, Florida.
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But does Space Coast really offer you better value and service than a traditional bank?
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While it’s no secret that credit unions often offer better interest rates than banks, they also tend to be a bit more selective when it comes to their members.
But credit unions offer other benefits and privileges not found at traditional banking institutions, and their unique approach to banking certainly appeals to many.
In this in-depth review of Space Coast Credit Union, we’ll take a closer look at how it compares to traditional banks and other credit unions, so you can decide for yourself where your money belongs.
The Verdict: Stellar Financial Service membership requirements are easy to meet, and the “small town” feel of local branches puts residents at ease.
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With 58 branches in 14 different Florida counties and membership open to anyone who lives or works in those counties, SCCU is the financial institution of choice for many Florida residents.
Plus, you can expect the expert staff to be well-trained and knowledgeable enough to answer detailed questions about a wide range of financial products, from car loans to wealth management.
Space Coast Credit Services is worthwhile because of the wide range of services they offer in convenient locations
Although interest rates are not as competitive as online-only banks, many local branches offer customers more peace of mind.
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Since SCCU has more than 50 branches, customers can do their banking at a location of their convenience.
Plus, SCCU is member-owned, and the more you participate in the credit union and use its products, the more rewards you’ll earn.
Rewards are based on participation level and can range from a bonus on your CDs to free wire transfers, free surveys and more.
The credit union also offers a wide range of financial services, from checking and savings accounts to home and auto loans.
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However, the overhead and staffing costs required for their many branches mean that interest rates on SCCU savings accounts are slightly lower than online banks.
However, the ability to walk into a local branch and be recognized and warmly greeted adds an extra level of trust and is comforting for many customers.
Many customers are delighted not only with the knowledge of the staff, but also with their friendly and polite manner.
When a customer has questions about their car loan, mortgage, or any of the other products that Space Coast Credit Union offers, they will find that they can get a quick and satisfactory solution over the phone or in personal.
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The company’s fraud monitoring and detection service actively monitors customer accounts and transactions, blocking and alerting a user immediately when account activity is suspicious.
A sudden increase in your debit card usage at a gas station could cause your card to be suspended immediately, something a customer doesn’t want to find out while on the road.
Customers also report being locked out of their account or having their credit card suddenly go down, at which point they have to fight with support to get themselves confirm and verify that they are the owner of the account to regain access.
These headaches often seem like an unnecessary hassle for customers, and somehow spoil what could be a nearly perfect credit union experience.
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However, unlike Space Coast Credit, they don’t offer CDs or investment products, so if you’re looking for other ways to grow your money, SCCU might be the best option.
However, Launch FCU offers the products they offer at slightly better rates, so you should carefully consider your financial goals before making a decision.
If you live in counties served by Space Coast and Launch FCU, you may want to consider these credit unions as well.
Community Federal Credit Union is open to residents of Brevard, Indian River, Orange, Osceola, Polk and Volusia counties in Florida.
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Navy Federal Credit Union is open to members of the armed forces and their immediate families, with a location in Satellite Beach, Florida.
Get approved for a car loan in 10 minutes. SCCU also works with many dealers to help you get your car loan and your car in one place.
Get a credit card backed by the financial power of Visa. SCCU offers secured and unsecured Visa credit cards, as well as low-interest cards for students looking to build a credit history.
Take the road less traveled with RV, motorcycle and boat rentals. With repayment terms of up to 144 months, bringing home your favorite vehicle and taking that long awaited road trip could be closer than you think !
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Get the money you need with a personal loan. SCCU offers secured and unsecured personal loans up to 2 times your gross monthly income.
Low rates for mortgages, home loans and construction. Space Coast CU offers fixed and adjustable rate mortgages, as well as jumbo, condo, FHA and construction loans.
Buy a second home in Florida. A fixed rate home loan can make the dream of buying a beach home a reality.
Transfer your current mortgage. Whether you want a low fixed interest rate or want to take advantage of the historically low interest rates on home loans, you can easily refinance your home loan through SCCU.
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Use your home equity for cash. A home equity line of credit is a lifeline if there is an emergency or to pay off large debts, such as college tuition or home improvement projects.
Increase your savings with accounts, CDs and IRAs. Whether you’re saving for a big purchase or a golden retirement, SCCU offers savings accounts at competitive rates to help you achieve your goals.
Open a checking account that fits your goals and lifestyle. Whether you’re a college student earning money through your first job or looking to start a health savings account for unexpected medical needs, SCCU offers several free checking accounts and with interest that will help you.
Invest wisely with money market accounts and wealth management services. SCCU is unique among credit unions in that it also offers high-yield money market accounts, as well as wealth management and investment services.
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Get extra benefits as a member of a credit union. These benefits include discounts on home insurance, GAP coverage, life insurance and more.
Space Coast Credit Union offers a mobile app through Google Play and the Apple App Store that allows customers to securely manage many everyday banking services.
Members can use the app on their phone to easily deposit checks, pay bills, check their account balance and transaction history, and transfer funds.
And while the app is secure, the interface itself feels a bit outdated as it doesn’t take full advantage of the higher resolutions and larger screen sizes of today’s mobile devices .
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Many customers complain that the photo search deposit feature consistently rejects their bids due to imperfect lighting and other issues.
This can make something that would normally be very useful become more of a nuisance and a problem.
With excellent customer service, convenient locations and a wide variety of financial products, SCCU is worth considering.
It’s not hard to find a Space Coast Credit Union branch or an ATM on the Florida coast that addresses the most common complaints about credit unions: they don’t have the presence of big banks.
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This type of access, along with the friendly and knowledgeable staff, a wide range of services and the best rates, make SCCU a great choice for those who want that special type of financial services that credit unions provide. .
If this style of banking interests you, Space Coast Credit Union is an alternative to traditional banking.
And while the rates may not be as competitive as the rates of small credit unions or online-only banks, they are still generally very reasonable.
Considering these positives, it’s easy to see how Space Coast Credit Union has maintained and grown its loyal customer base over the past 67 years. Use a compatible browser to continue enjoying the full functionality of Navy Federal Online. You can check your browser settings here.
Best Car Loan Rates
Whether you’re looking to buy a new or used car, or even refinance your car loan with another lender, we’re here to help.
Disclosures and Explanations Annual percentage rates (APRs) are advertised “as low as” assuming the borrower has a good credit history. Your exact APR can vary and is based on a number of factors, including credit history, model year, term and loan amount. Prices subject to change. Loan terms longer than 72 months are only available for vehicles with less than 12,000 kilometres. The minimum loan amount is $30,000 for a term of 85 to 96 months.
Used vehicles: Model years 2022 and earlier or any model year with more than 50,000 miles. Vehicles 20 years or older (based on model year) are considered classic or antique and will be subject to other applicable vehicle standards.
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