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  • Frequently Asked Questions

FAQ




  • What is the Member Rewards program and why do you have it?
    Member Rewards is an exclusive Space Coast Credit Union program that provides benefits based on your level of participation in the credit union. The principle of cooperative ownership is an economic model that creates benefits for our member-owners and it forms the foundation of our  Member  Rewards program. The more a member participates in the credit union by using our products and services, and through transaction volume, the greater the rewards. Rewards come in the form of service discounts, waived fees, financial incentives, and free perks.  Using products such as checking accounts, debit cards, credit cards, vehicle and mortgage loans, and retirement accounts contribute income and strength to the cooperative. When you use these products to run your household, you are investing in the credit union, which allows us to provide you more benefits.
  • How is my Member Rewards level determined?
    Your Member Rewards level is based on your household’s participation in the credit union. You participate by using SCCU’s products and services.  Levels are determined at the beginning of the year, based on average balances and transactions from the previous year.  The calculation considers a combination of the following factors for all accounts in your household:  
     
    •    Deposit Balances: For all accounts in your household (except CD’s) we will first determine your average daily balance each month for the prior year.  With those calculations, we will then determine your average monthly balance.  Your Member Rewards level will be based on the average of your average monthly balances.  If you opened your account(s) during the year, we will calculate your rewards level based on the number of months your account(s) has been open.   Certificates of deposit (CD’s) are excluded from this calculation.  

    •    Investment account balances are included in the deposit calculation to determine your Member Rewards level.  The balance in your investment account(s) as of the middle of the current month is used in the calculation of your rewards level for the following month.  

    •    Loan Balances:  For all loans in your household, we will determine your month-end loan balance for each month in the prior year.  The month-end loan balances will be used to calculate the average loan balance for the year.  Your Member Rewards level will be based on the average of your monthly average loan balance for the year.  If you opened your loan account(s) during the year, we will calculate your rewards level based on the number of months your loan account(s) has been open.  

    •    Transactions:  We will add together all purchase and payment transactions conducted on your account(s) for the prior year and then calculate the average monthly number of transactions.  Your Member Rewards level will be based on the average monthly number of purchase and payment transactions.  If you opened your account(s) during the year, we will calculate your rewards level based on the number of months your account(s) has been open.
     
    You will remain at this level for the entire calendar year, unless your household’s relationship with the credit union increases and you qualify to be moved up to a higher level.  
     
    •    Member Rewards levels are calculated at the end of each week for the entire household
    •    Your household is comprised of all SCCU membership accounts that share your address
    •    When you qualify to move up a level through the addition of a new loan or higher deposit account balance (excluding CD’s), your new benefits are extended to you the day after the addition
    •    When you conduct enough transactions in the month to reach the next level, your new level and benefits will be applied the following month
     


  • How will I know what my member rewards level is?
    Your member rewards level will be displayed on your monthly account statement (provided to you either by mail or through on-line banking).
  • Can my member rewards level move up during the year?
    Yes. See "How is my member rewards level determined?" for additional details.
  • Can my member rewards level move down during the calendar year?
    No.  Your member rewards level will not move down during the year; it can only move up!  When you qualify to move up a level through the addition of new loan or higher deposit account balances (excluding CD’s), your new benefits are extended to you the day after the addition.  When you conduct enough transactions in the month to reach the next level, your new level and benefits will be applied the following month.
  • How can I earn the most rewards with SCCU’s Member Rewards program?
    Space Coast Credit Union's Member Rewards Program provides benefits such as free or discounted services based on your level of participation in the credit union.  You participate in the credit union by using our products and services to run your household, and to satisfy your financial needs.  We want to be your partner every step along your financial path. So, the more you use SCCU, the greater the rewards you receive in return!
  • I currently receive paper statements, will I be charged a fee?
    If you are a Diamond Elite, Elite or Premier member,  you will continue to receive paper statements free of charge.  We also offer E-Statements which are free at all Member Rewards levels and provide several benefits: fast and secure delivery, convenient, and you can access and view up to 25 months of account statements for easier record keeping and tax preparation.  

    If you would like to increase your Member Rewards level, consider doing one or more of the following:

    Finance Your Auto with SCCU
    Finance your next purchase or refinance the vehicle loan you have now with another lender to SCCU. We may be able to save you money every month, and your loan balance will be considered when we calculate your household's Member Rewards level. Applying is fast and easy when you call Express Sales.

    Open & Use a Checking Account
    Call Express Sales to open a checking account in just minutes over the phone. When you use your account to make purchases and pay bills, those transactions will count toward your household's Member Rewards level and can place you in the Active level of the program. We offer a variety of checking options, and they all include free online banking, mobile banking with mobile deposit, and bill pay.  Look inside for more information about which transactions count towards your level.

    Use Your Debit Card
    SCCU checking accounts offer a free Visa® debit card, which can be used worldwide to make purchases. Debit transactions count toward your Member Rewards level, so get in the habit today of using your debit card for everything; it’s convenient, makes tracking expenses easier on your statement, and safer than cash with Visa’s Zero liability 1. If you don't have a debit card,  call the Member Service Center or visit a branch and request your free card.

    Move Your Money to SCCU
    We offer a wide variety of savings and high-yield Money Market accounts with very competitive rates. If you have funds at another institution, now is the time to give us a try. Just call Express Sales to open your account. Your non-CD deposit balances will count toward your household's Member Rewards level.

    Open & Use a Credit Card
    Earn up to 2% Cash-Back Rewards on eligible purchases with your SCCU Platinum Visa card.  Our credit card features low fixed rates and no annual fees.  Your cash back reward is based on your Member Rewards level and your credit card transactions count towards your Member Rewards level! If you don't have an SCCU Visa® credit card, just call Express Sales to apply in minutes over the phone.

    Open an Investment Services Account*
    Call to schedule a no-cost, no-obligation meeting with one of our LPL Financial Advisors. Your investment account balances1 are included in the deposit calculation to determine your Member Rewards level.2

    1 The balances in your investment accounts as of the middle of the current month are used in the calculation of your rewards level for the following month.  

    2 Securities and insurance products offered through LPL Financial and its affiliates member FINRA/SIPC. Space Coast Credit Union and Investment Services at Space Coast Credit Union are not a registered broker/dealer and is not affiliated with LPL Financial.

    •    NOT NCUA INSURED
    •    NO CREDIT UNION GUARANTEE
    •    MAY LOSE VALUE

    Investment options subject to minimums; see LPL Financial Advisor for details. For tax advice, please consult a qualified tax professional.


    Refinance Your Mortgage from Another Lender to SCCU
    If your mortgage isn't with SCCU, now might be a great time to refinance. SCCU home loans offer low interest rates, low closing costs, no application fee, and an easy online application available 24 hours a day, 7 days a week. Contact us today to see if we can save you money on the home you're already in, and increase your member rewards level and benefits with SCCU at the same time.

    Click Here to view Schedule of Fees



  • I currently have a Safe Deposit Box with you, will I still be eligible for a free box at renewal?
    If you are a Diamond Elite member, you are eligible for a free safe deposit box of any size1. On the renewal date of your safe deposit box, you will not be charged a rental fee.  If you are an Elite member, you are eligible for a free 3x5 safe deposit box1. On the renewal date of your safe deposit box, you not be charged a rental fee for this size box.  



    1 Subject to availability.
  • What benefits will I receive under this new program?
    Our new program offers many benefits based on your member rewards level, including Free Checking and up to 2% cash back on your credit card purchases!  Click on this link for additional details www.sccu.com/mynewrewards
  • I currently have a Free Checking account. Will my account still be free at any Member Rewards level?
    Yes, no matter what your Member Rewards level is our Free Checking account has no minimum balance requirements and no monthly maintenance charges.
  • I am at the (Classic, Select, or Premier) level. How can I avoid a minimum balance fee every month on my checking account?
    As part of our new and improved Member Rewards program, we now offer an absolutely Free Checking account with no minimum balance requirements and no monthly maintenance charges.  You may switch your current checking account to Free Checking by visiting your local branch or calling our Member Service Center.
  • Are my certificate of deposit (CD) balances included in the calculation for member rewards?
    No.  All deposit account balances are included, except certificates of deposit (CD’s)
  • SCCU Routing Number: 263177903
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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.
*APR = Annual Percentage Rate. ^APY = Annual Percentage Yield.

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

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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.