At Space Coast Credit Union we are here to help you.
Our processes and products are designed to get you into the checking account, mortgage, auto loan, home equity loan and countless other products, and back to what’s really important – living your life.
Want to apply for a loan? We take applications 24 hours a day, 7 days a week over the phone and online. Looking to buy a home? We can get you pre-approved and put you in touch with a REALTOR® who provides a rebate on your closing costs. Need a credit card? SCCU can have a new Platinum credit card – complete with great rewards, including loan discounts – to you in a matter of days.
Car Buying Tips
from Jodie Kinley-Smith
Some manufacturers offer a choice of a rebate or low-rate (including 0%) financing. What’s best for you?
Low rate manufacturer financing is not always the best option, especially if you don’t plan on keeping the vehicle for the entire term of the loan.
The average SCCU member keeps their car – and therefore their loan - less than 3 years. With 0% financing, it takes years before the full savings are realized. In situations where you will be trading in your vehicle in 3 years or less, you would be better to take the manufacturer’s rebate and finance with SCCU.
Also, keep in mind that you must finance with SCCU to redeem any available loan discount earned with your SCCU credit card.
It all adds up to one thing – using SCCU to run your household simply saves you money and makes your life more convenient.
But what about the times when it isn’t always convenient or even practical to contact us first, like when you’re buying a car?
Well, we've got you covered then, too.
SCCU's "At the Dealer" Auto Lending Program is the perfect example of how we offer convenience to our members. We know that most people don't intend to buy a car when they first go to the dealership. They go just to look, but normally end up finding the car they like or a deal they can’t pass up. Many times people shop after they get off work in the evening or on the weekends when branches are closed. So, for your convenience, we provide financing right at the dealership to help our members save time and money.
We are set up with most local dealers in Brevard, Volusia, Flagler, and Indian River (and many in Orange, Seminole, and Osceola) Counties to assist our members with financing their vehicles. To see a complete list of our participating dealers, visit sccu.com/dealers. Getting your car AND your loan in the same place is fast, easy, convenient, and provides one-stop shopping for all of your auto needs. You get the same low rate at the dealer as if you’d gone through our pre-approval process. We even offer up to 90 days to make your 1st payment*.
So save yourself some time and some of your hard-earned money. Call us, or ask for us at the dealer, for the best deal and get back to taking care of what’s important in your life!
Jodie Kinley-Smith
Indirect Lending Manager
*DEFERRED PAYMENT PROGRAM: Optional. Interest accrues from date of contract. Qualified borrowers only. First payment may be deferred up to 90 days and is dependant upon when your loan closes; yours may be 90 days or less.
Click here to read the August issue of Connections
If you are like me, every opportunity to save time counts in today’s busy world. Between juggling home, work, and family, every minute is important.
