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  • Frequently Asked Questions


  • How can I obtain a copy of a sales draft for my SCCU credit card?
    You can obtain a copy of a sales draft for your SCCU credit card by contacting the Member Service Center at 305-882-5000 or by sending a secure message. The cost for a copy of sales draft is $20 each.
  • Is there a balance transfer fee for my SCCU credit card?
  • Is there an annual fee for my SCCU credit card?
  • Can joint credit card holders redeem the Cash Back Rewards?
    Anyone who has access to the designated deposit account may withdraw the Cash Back Rewards funds.  For example, if you are sharing your credit card with your child and they have access to your designated deposit account, they will have access to your funds.
  • I have an introductory rate on my SCCU credit card. Why can’t I see it on Online Banking?
    The promo rate will not display in Online Banking; the introductory rate will appear on your monthly credit card statement.  The rate that appears in Online Banking is the rate you qualified for at the time the application.
  • Do you have Credit Cards for Students?
    Yes, the Student Credit Builder card is designed for members age 15 to 18 who want to learn how to manage credit and establish a credit rating at an early age. The student must have a Student Savings account with an amount on deposit that equals the amount of the limit for security. In addition, a parent or guardian is required as a guarantor.
  • Can I add an Authorized Signer to my SCCU credit card?
    Authorized signers are not permitted, however, a co-borrower may be issued a card.
  • What is the fee for a late credit card payment?
    $27.00 or the amount of the required minimum payment, whichever is less. In the event a payment is not paid on time in any of the six billing cycles following the initial past due payment, the fee will be increased to $37.00 or the amount of the required minimum payment, whichever is less.
  • If I choose to close my Space Coast Credit Union account, how are my Cash Back Rewards redeemed?
    Your accrued Cash Back Rewards must be closed out prior to closing your account.
  • When is my credit card payment due?
    Credit card payments are due on the 25th of every month.
  • How is the minimum payment for my SCCU credit card calculated?
    The minimum monthly payment for your SCCU credit card is 3% of the unpaid balance on the last day of the previous month or $10, whichever is greater.
  • Will I earn Cash Back Rewards on my Student and/ or Secured Credit Cards?
    Yes, Student and Secured Credit Cards will accrue Cash Back Rewards.
  • Do my Cash Back Rewards have an expiration date?
    There is no expiration date to redeem your Cash Back Rewards.
  • I want to make a purchase online, but I was informed the merchant is blocked. How can I make this purchase?
    You can complete a purchase by either contacting the Member Service Center, sending a secure message in Online Banking, or visiting any SCCU branch. Please have the following information ready:
    • The card number used in the attempted transaction
    • The country where transaction is being made
    • How long the restriction should be removed (24 hours for a 1-time transaction or permanently for re-occurring monthly charges)
  • How do I report fraud on my card?
    You can report fraud on your card by calling the Member Service Center at 1-800-882-5002 or by sending a secure message through Online Banking.
  • How often will my cash back rewards be reviewed?
    The Member Rewards level and the Cash Back Rewards are evaluated every month.  Our new Member Rewards Program allows your Member Rewards level to increase as your activity level increases. This ensures you are earning the maximum benefits all year long.  Your Member Rewards level and Cash Back Rewards can only improve, based on activity, and will not go down during the current year.
  • What if I never received my card?
    Please call the Member Service Center at 1-800-882-5002, or send a secure message via OLB. You may also visit any SCCU branch for assistance.
  • Will I earn Cash Back Rewards on my business credit card?
    Yes, all Space Coast Credit Union Business Credit Cards will earn 1% cash back on all qualifying purchases.  At this time, business accounts do not participate in the Member Rewards Program, but we are including the business credit cards in the Cash Back Rewards Program.
  • Can I use my debit/credit card overseas?
    Yes. Simply call the Member Service Center and let them know you will be travelling so your account can be notated. Please note you will be charged a 1% foreign transaction fee for converting foreign currency to U.S. dollars when using your credit card outside the U.S.
  • How long does it take to release a hold placed on my card?
    The hold will remain on the account until the transaction posts against the account, or the hold for the authorization expires (up to three days).
  • I have multiple credit cards – will all of them earn Cash Back Rewards?
    Yes, all Space Coast Credit Cards will earn Cash Back Rewards. 
  • How do I replace a damaged card?
    You can replace your damaged card by calling the Member Service Center at 1-800-882-5002 or by visiting any SCCU branch.
  • Why don’t Members at the Classic level of the Member Rewards Program qualify for Cash Back Rewards?
    Members at the Classic level of the Member Reward Program do not qualify for Cash Back Rewards.  However, with a few slight adjustments to your activity level an upgrade to your Member Rewards Program level is possible.  You will earn 1.00% Cash Back Rewards when you upgrade to the Select level.  Would you like to explore ways to take advantage of all the benefits Space Coast Credit Union offers our members?  Call today!  321-752-2222, option 5
  • How do I activate my card?
    You can activate your card by calling 1-888-314-6005 or by visiting any SCCU branch.
  • What happens if my card is lost or stolen?
    Your security is our priority.  In the event of your Space Coast Credit Union credit card is lost or stolen, we would block the card to prevent potential fraud from occurring.  A new card would be established and any Cash Back Rewards earned would still be available to your membership.  Your earned Cash Back Rewards would be transferred to your new Space Coast Credit Union credit card.
  • What if I have returns on the card?
    Cash Back Rewards are earned on all qualifying purchases minus any returns that are processed in a particular month.
  • How do I earn Cash Back Rewards?
    When you make purchases on your Space Coast Credit Union Credit Card you will start earning Cash Back Rewards.  Keep in mind Cash Advances, Balance Transfers, Payments, Adjustments, All Fees and Returns do not earn Cash Back Rewards.
  • How much Cash Back Rewards will I earn?
    The Cash Back Rewards percentage you earn is based on your Member Rewards Level.  Members at the Select level of the Member Rewards Program will earn 1% cash back on all purchases.   Members at the Premier level of the Member Rewards Program will earn 1.25%.  Members at the Elite level of the Member Rewards Program will earn 1.50%.  Members at the Diamond Elite level of the Members Rewards Program will earn 2%.
  • Can I apply the Cash Back Rewards to pay my credit card bill?
    Once your Cash Back Rewards redemption is deposited to your designated deposit account, you may conduct a transfer from your designated deposit account to pay your credit card bill
  • How do I Report a Lost/Stolen Debit or Credit Card?
    During business hours:
    Immediately call SCCU's Member Service Center, or visit any of our branches to report the problem. 
    Brevard: 321-752-2222, option 5
    Broward: 954-704-5000, option 5
    Miami-Dade: 305-882-5007, option 5
    All Other Areas: 800-447-7228, option 5
    An Associate will assist you. Your card will be blocked to prevent fraudulent activity. You will receive a new card within 10 days. Your Associate will discuss any further action to be taken on your part, if that is applicable to your situation. 

    Please have the following information available: 
    • Name
    • 16 Digit Card Number
    • Social Security Card

    If you are reporting a fraudulent transaction, please also provide the following information: 
    • Type of transaction (debit or credit)
    • Date of transaction(s)
    • Merchant(s)
    • Dollar Amount(s)
    After business hours:
    Call SCCU and select the ATM/Credit/Debit (Option 3), and then select “report a lost or stolen card” (Option 2).
    Please have the following information available:
    • Name
    • 16 Digit Card Number
    • Social Security Number
    • Dollar Amount(s)

    Please note the following important information: 
    • Your call will be rerouted to the Card Service System.
    • The only action that will be taken during an afterhours call is to block your card.
    • Please contact SCCU as soon as possible after reporting your card problem, so that an Associate can assist you with the additional actions necessary to restore your account. 

    Can’t get through?
    If, for any reason you cannot reach SCCU, you may call the national Card Service Center using the numbers below to report your card as lost or stolen so that it will be blocked to prevent fraudulent use. Please contact SCCU as soon as possible so that we may assist you in restoring your account. Card Service Center: 800-472-3272

    Fraudulent Transactions:
    PLEASE NOTE that when you report a fraudulent transaction, you will be asked to: 
    • File a police report
    • Complete a signed statement detailing the fraudulent activity
    • An Associate will provide the steps you need to take based on your particular situation. SCCU will provide any needed forms.
    Members with an Eastern Financial MasterCard® Credit Card or HELOC Platinum Visa® Credit Card
    • To report a MasterCard Credit Card lost or stolen, or to report fraudulent activity, please call the MasterCard Credit Card Lost/Stolen System at: 866-839-3485.
    • To report a HELOC Credit Card lost or stolen, or to report fraudulent activity, please call the Card Holder Services partner at: 800-449-7228. 
      Don’t forget to monitor your account for unauthorized activity, and report any suspicious transactions to SCCU. 
    • Log on to Online Banking any time to view current account activity. Don’t wait for your monthly statement.
    • If you do not use Online Banking, carefully review your monthly statement and contact SCCU to report any suspicious activity. 
  • Can I withdraw cash from my Cash Back Rewards?
    Online banking allows you to put the reward dollars into any accounts that are associated with you in online banking. You will need to initiate a request to redeem your cash back rewards, and once your Cash Back Rewards have been deposited, you will have full access to your funds and can withdraw cash.
  • When can I redeem my Cash Back Rewards?
    You may redeem your cash back rewards at any time. Your cash back reward can be redeemed through Online Banking.
  • What is Falcon Fraud Protection at SCCU?
    SCCU’s VISA debit and credit cards provide you with several layers of protection. With your SCCU cards you can shop with the strength of Visa behind you. 
    SCCU Card Protection
    SCCU provides Falcon Fraud Protection as an added service for all our VISA credit and debit cards at no cost. This fraud protection system recognizes your personal purchasing patterns and can detect possible fraud. If a suspicious transaction is detected, you receive a personal phone call from the SCCU Falcon Fraud Center. If you confirm that there has been fraudulent use of your card, your card will immediately be blocked to prevent further activity. 
  • My credit card is about to expire. When should I expect a replacement credit card?
    Your existing credit card is good through the last day of the expiration month shown on the card. Your renewal card will automatically be mailed to your current address on record.  

    The new card should arrive at least one week prior to the expiration date on your existing card.  If you did not receive your replacement card please contact the Member Service Center.
  • I had a secured card and I changed it to a regular credit card. My funds on the savings are still on hold. When will I have access to my funds?
    The funds on your savings account will be released within 30 days from the day you opened your unsecured credit card account. 
  • How do I get a lower rate on the credit card?
    Our Visa Platinum Credit accounts automatically checks credit once a quarter and your rate will automatically adjust accordingly to your credit score. 
  • How do I get a credit limit increase?
    You can apply for a credit limit increase with Express Services. 
  • How do I do a Balance Transfer from another credit card?
    You can your balance transfer by filling out the Balance Transfer form (available at and submit it at any SCCU branch or mailing to SCCU Credit Card Processing, PO Box 419001, Melbourne, FL 32940. 
  • 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.

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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.