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Get the Best Auto Deal with SCCU

At Space Coast Credit Union, our mission is to create value in cooperative ownership. One area where we offer exceptional value to members is in vehicle lending.

Our auto and truck loans offer low rates, flexible terms, and exceptional convenience – and we can match your shopping style!

You can call us first to discuss the loan that's right for you and get pre-approved. Taking this step can help avoid "buyer's remorse" because you bought more car than you could afford. If this is the route for you, call Express Sales. It only takes a few minutes over the phone to discuss your vehicle financing needs and get a decision.

You can finance at the dealership where you purchase your vehicle. Financing is available at most of the major dealerships in the areas we serve, as well as at smaller independent dealers. For a list of participating dealers, visit

In addition to low rates and convenience, there's a "behind the scenes" reason to use SCCU for your vehicle financing. When you finance here and pay according to the terms of your loan, the credit union earns interest income from your loan. That income is returned to members in the form of benefits like low loan rates, high deposit rates, branch locations and staff to serve you, and more free and low-cost services than you would typically receive at a bank. So where do you want the income from your loan to go? To a bank, or to the credit union you own along with your fellow members?

Here are a few hints for getting the deal that's right for you:

Know How Much the Vehicle Will Cost

Don't allow the discussion to focus only on the monthly payment. How many months will you be making that payment? How much will the interest cost? These numbers must be disclosed to you by law, so make sure you take the time to review them.

Provide a Down Payment

To get the best loan rate, you'll want to keep your "loan to value" as low as possible (this is true for any lender). That means putting some money down.

Calculate Your Payments  

 Use our online calculators to get some idea of how much car you can afford.

Save a Little Each Week

Set up a My Way account named "Auto Savings" or something similar and put a few dollars away every payday. That way, you'll have something put aside when you're ready to buy your next car. You don't need an opening deposit to set up your My Way account.

P.S. If you currently have your vehicle financed with another lender, call Express Sales about refinancing with SCCU. It takes only a few minutes on the phone to see if we can save you money every month.

  • SCCU Routing Number: 263177903

Space Coast Credit Union membership is open to all who work or live in Brevard, Broward, Collier, Flagler, Indian River, Lake, Lee, Manatee, Marion, Martin, Miami-Dade, Monroe, Okeechobee, Orange, Osceola, Palm Beach, Pasco, Polk, Putnam, Seminole, St. Johns, St. Lucie, Sumter, 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) © 2019



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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.