Space Coast Credit Union

Member Rewards is an exclusive Space Coast Credit Union program that provides benefits based on your level of participation in the credit union.

Your level is based on your total average daily deposit balance in accounts other than CD accounts, OR on your total loan balance as of the end of the month, whichever is greater. All of the accounts in your household (members residing at the same address) are considered when calculating your level. For example, your children's deposit accounts count towards your household's deposit total. All members of your household will receive the benefits for that level. The chart on the back of this page shows the levels and balances required.

Your Member Rewards level is calculated each month and is shown on your account statement. You receive the rewards benefit for your level during the following month.

You will notice that some fees are charged or waived based on your Member Rewards level. This is different from what you would have experienced prior to systems conversion. The most significant differences are for checking accounts and ATM fees:

• "Foreign" ATM Fees: Formerly, the fee charged by the credit union for using an ATM that is not owned by the credit union was waived for the first four uses during a month. Now, your fee will be waived entirely, discounted, or charged in full, depending on your Member Rewards level. PLEASE NOTE: Fees charged by ATM owner/operators for use of their machines are controlled by that owner/operator and are not refunded to you by SCCU at any Member Rewards level.
• Drop-below fees for Checking Accounts: If you have an SCCU checking account with a minimum balance requirement, such as Odyssey II or Select Checking, your minimum balance requirement is waived at the Silver, Gold, and Platinum levels of the program.
• Free Checks: Free checks in SCCU's logo style are available based on your Member Rewards level. The cost to purchase other styles is discounted based on your level.

No. For example, if you pay any fees for maintenance of your account (i.e. a $10 monthly service fee for Fresh Start Checking), this is a feature of your account type and is not affected by your Member Rewards level. Minimum balance requirements on Money Market Accounts are also not affected by Member Rewards. Learn more about Member Rewards.

All members whose accounts were converted from Eastern Financial will receive fee benefits at the Platinum Member Rewards level through December 31, 2010. Examples of the fees that will be waived include:

• Transaction fees at non-SCCU ATMs
• Checking Account minimum balance fees
• Checking Account per item fees
• Phone inquiry fees for calls to the Member Service Center for inquiries that can be conducted using CALL-24 Bank by Phone (for example, balance inquiries)

We are in the process of updating our current Member Rewards program to be more in line with our members' current needs. We plan to introduce a new program in 2011, so in the meantime, we want you to continue to enjoy your special welcome benefits.

Your other benefits will be based on your household's actual Member Rewards level. The Member Rewards chart shows the benefits at each level, as well as a more complete list of waived fees.

Beginning with your May statement (arriving in June) your current Member Rewards level will be shown on your monthly account statement.

Beginning JANUARY 1, 2011, your fee benefits will be based upon the Member Rewards level shown on your December statement. This level will be based on your balances with the credit union at the end of December.

For example, if you are in the Basic level as of the end of December, SCCU will charge a $1.50 fee when you use a non-SCCU ATM during January. If you are at the Silver level, you will be charged $1.00. If you are at the Gold and Platinum levels, no fee will be charged.

Ask an Associate for information on how you can increase your Member Rewards level and get the most benefit from your credit union membership. Learn more about Member Rewards.