Space Coast Credit Union Savings Account Interest Rate – As the third largest credit union in Florida, Space Coast Credit Union is certainly no stranger to the world of financial services.
Open since 1951 and currently providing banking services to approximately 400,000 members, Space Coast Credit Union (SCCU) has a well-known presence in and around Melbourne, FL.
Space Coast Credit Union Savings Account Interest Rate
But does Space Coast really give you better value and service for your money than a traditional bank?
Space Coast Credit Union Review
While it’s no secret that credit unions typically offer better interest rates than banks, they tend to be a bit more selective when it comes to their members.
But credit unions offer other features and benefits not found at traditional banks, and their unique approach to banking certainly appeals to many people.
In this detailed 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 is.
Verdict: Stellar Financial Services’ membership requirements are easy to meet and the “small town” atmosphere of the 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.
In addition, you can expect their knowledgeable staff to be well-trained and able to answer detailed questions about a wide range of financial products, from auto loans to wealth management.
Space Coast Credit Services offers a variety of services offered at convenient locations
Although their interest rates are not as competitive as online banks, having multiple local branches gives customers peace of mind.
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Because SCCU has over 50 branches, customers can do their banking in a location convenient for them to travel to.
Additionally, SCCU is owned by its members, and the more you participate in the credit union and use its products, the more you’ll earn in member rewards.
Rewards are based on participation level and can range from a bonus on your CD to a free bank transfer, free check and more.
The credit union also offers a variety of financial services, from checking and savings accounts to home and car loans.
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However, the fixed costs and personnel required for its many branches make SCCU’s savings account interest rates slightly lower than online banks.
Still, visiting a local branch and being recognized and warmly welcomed adds an extra layer of confidence and is comforting to many customers.
Many customers are impressed not only by the staff’s expertise, but also by their friendly and courteous demeanor.
If a customer has questions about their auto loan, mortgage or any other product offered by Space Coast Credit Union, they will find that they can get a quick and satisfactory solution over the phone or in person.
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The company’s fraud detection and monitoring service actively tracks customer accounts and transactions and immediately blocks and alerts the user when account activity is suspicious.
A sudden spike in your debit card spending at a gas station can result in your card being instantly deactivated, which no customer wants to know while they’re on the go.
Customers also report that their accounts are locked or that their payment cards are suddenly damaged, and then they have to argue with support to verify themselves and prove that they are the owner of the account in order to regain access.
These headaches often seem unnecessarily burdensome to customers and plague what could otherwise be a near-perfect credit union experience.
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But unlike Space Coast Credit, they don’t offer CDs or investment products, so if you’re looking for more ways to grow your money, SCCU might be the best option.
Still, given the products they offer, Launch FCU offers them at slightly better prices, so you’ll need to carefully consider your financial goals before making a decision.
If you live in the counties served by Space Coast and Launch FCU, you may also want to consider these credit unions.
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, with a branch in Satellite Beach, FL, is open to members of the military and their immediate families.
Get approved for a car loan in just 10 minutes. SCCU also works with several dealers to help you get your car loan and car in one place.
Get a credit card backed by Visa’s financial strength. SCCU offers secured and unsecured Visa credit cards, as well as low-interest cards for students who want to build a credit history.
Take the road less traveled with RV, motorcycle and boat loans. With loan repayment terms of up to 144 months, driving home in your vehicle of choice and setting off on the long-awaited road trip of a lifetime 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 twice your gross monthly income.
Low interest rates on 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 interest equity loan can make the dream of buying a beachfront property a reality.
Refinance your existing mortgage. Whether you want a lower fixed interest rate or want to take advantage of historically low interest rates on home loans today, you can easily refinance your home loan through SCCU.
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Use your equity to get cash. A home equity loan provides a cash lifeline in case of an emergency or to help pay off larger loans, such as education 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 great prices that can help you reach your goals.
Open a checking account that fits your goals and lifestyle. Whether you’re a student earning money from your first job or looking to build a health savings account for unexpected medical needs, SCCU has a variety of no-fee, interest-bearing checking accounts that can help.
Invest wisely in money market accounts and wealth management services. SCCU is unique among credit unions because it offers high-yield money market accounts as well as investment and wealth management services.
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Enjoy additional benefits as a credit union member. These benefits include discounts on homeowners 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 common banking services.
Members can use the app on their phones to deposit checks, pay bills, check their account balances and transaction history, and easily transfer money.
And while the app is secure, the interface itself feels a bit dated 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 “Check Deposit by Photo” feature regularly rejects their submissions due to low light and other issues.
This can make something that should normally be incredibly convenient feel like a hassle and hassle.
Thanks to its commendable customer service, convenient branches and wide range of financial products, SCCU is worth considering.
It’s not hard to find a Space Coast Credit Union branch or ATM along the Florida coast that addresses one of people’s most common complaints about credit unions: They don’t have a presence like the big banks.
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This kind of accessibility, along with friendly and knowledgeable staff, a wide range of services and better prices, make SCCU a great choice for those who want the special type of financial service provided by credit unions.
If this form of banking appeals to you, you will find Space Coast Credit Union a welcome alternative to traditional banking.
And while the rates may not be as competitive as smaller credit unions or online-only banks, they are generally very reasonable.
With all of these positives in mind, it’s easy to see how Space Coast Credit Union has maintained and grown its loyal customer base over the past 67 years. If you continue, you will leave the California Coast Credit Union website. Please note that we are not responsible for the accuracy, security or content of other websites. We encourage you to review the privacy and security information of all websites you visit. California Coast Credit Union does not warrant or assume responsibility for third party products or services obtained through our website.
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At Cal Coast, our mission is to simplify our members’ lives, provide the highest level of service and ultimately help them achieve financial prosperity. We are proud of our commitment to diversity, equity and inclusion and our ability to give back to the communities of San Diego and Riverside.
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