Express Sales at Space Coast Credit Union
Before you visit a branch, take a moment to find out what you can do by phone with Express Sales!
What is Express Sales?
Express Sales is a way of providing person-to-person service without visiting a branch, signing in, and waiting. Express Sales lets you join the credit union, open accounts, and apply for loans using your home, office, or mobile phone.
Express Sales is NOT an automated service. A knowledgeable Associate will work with you by phone to take care of your credit union business in minutes. With Express Sales, the average wait time to speak to an Associate is less than 15 seconds, instead of the 30 - 45 minute wait time that was typical under the "traditional" branch service model.
PLEASE NOTE that for all services that are available by phone, service is also provided by phone in a branch. When you visit any of our branches, a Member Service Specialist will walk you to the Express Sales phone in that branch. When your call is finished, any needed documents will be printed at the branch, and a Member Service Specialist will work with you to complete your paperwork and answer any questions you may have.
So, to take full advantage of Express Sales delivery, you may prefer to call from your own phone when and where it's convenient to you, and visit a branch after your call only if it is necessary for your transaction. Your Associate will advise you.
What number do I call?
Express Sales is available by using SCCU's main phone numbers:
What can I do by phone - and when?
The services listed below are available during business hours (Mon - Fri 8:00am - 6:30pm, Sat 9:00am - 3:00pm):
- Join the credit union
- Open deposit accounts: savings, checking, youth accounts, etc.
- Apply for a first mortgage
- Apply for any consumer loan - vehicle, credit card, savings-secured loans, etc.
- Apply for a home equity loan
Special Note about Home Loans:
First Mortgages, Home Equity Loans and Lines of Credit are processed through Express Sales, so you can apply in minutes over the phone. You can also apply online.
What can't I do by phone?
- Open special-rate CDs
- Open IRA accounts
- Open business accounts
- Apply for business loans
Do I have to come in to the branch at all?
- For most services, a brief visit is needed for things such as signing documents, or obtaining proof of I.D. or confirmation of address.
- For some services, such as opening a credit card account for an existing member, a visit is not necessary.
Your Express Associate will advise you and, if necessary, schedule an appointment at a branch location convenient to you.
Express Sales is central to our commitment to always watch out for the best interests of our members, which includes respect for your time. This service provides a fast, easy, and convenient way to take advantage of your credit union's products and services
Some Express Sales Stats:
Average time to take a vehicle loan application: 8 minutes
Average time to provide a vehicle loan decision: 10 minutes
Average time to process a new membership: 6 minutes
Average time to open a new checking account: 4 minutes
Express Sales:
Fast, Convenient, and Personal. You can have it all!
