Online Banking 
Enroll in Online Banking


Beginner's 4-Step Financial Guide

Though large financial steps, like setting up a retirement fund or paying off your student debt, may seem a long way off, getting a head start can make all the difference to your financial success in the long run. Take a look at these four tips to make the most of your early financial years:

Step 1 – Plan your career path 

It's OK if your first few jobs are just a means to pay the bills. However, in your 30s you should ideally have more than just a job, you should have a career. Use your working experiences to figure out what kind of career you want and start planning how to get there.

Step 2 – Start building your savings 

You may not have a lot of extra cash, but even putting away as little as $10 a month can add up. Ideally, you should have six months' worth of expenses in your savings account for emergencies. Starting now to build this financial protection can save you a lot of stress later on.

Step 3 – Get on track for paying off loans

It can be easy to put off loan payments or only pay the minimum due every month. However, the longer your debt remains, the more it accumulates and the more you end up paying in the long term. To cut down on these costs, start your payments as soon as possible and, when you are able, try to pay more than the minimum.

Step 4 – Open a retirement account 

Though retirement seems a long way off, it is never too early to start saving. The tax advantages offered by an individual retirement account (IRA) can help you maximize your retirement savings. And starting early allows you to take advantage of the most powerful aspect of long-term, tax-deferred compounding: time.

  • SCCU Routing Number: 263177903

Space Coast Credit Union membership is open to all who work or live in Brevard, Broward, Flagler, Indian River, Martin, Miami-Dade, Monroe, Orange, Osceola, Palm Beach, Seminole, St. Johns, St. Lucie, or Volusia Counties in Florida.

  • Brevard: 321-752-2222
  • Broward: 954-704-5000
  • Miami-Dade: 305-882-5000
  • All Other Areas: 800-447-7228

*APR = Annual Percentage Rate. ^APY = Annual Percentage Yield.

Space Coast Credit Union (SCCU) © 2015



You are being directed to, a website not operated by SCCU. SCCU is not responsible for the content of the alternate website. SCCU does not represent either the third party or the member if the two parties enter into a transaction. Privacy and security policies may differ from those practiced by SCCU.

Would you like to continue?


Member Rewards

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

  • Gold members may order one FREE box of SCCU logo checks per year.
  • Platinum members may order unlimited FREE boxes of SCCU Exclusive Style checks (one box at a time).
Learn more about the Member Rewards program.