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  • Frequently Asked Questions


  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • I have multiple credit cards – will all of them earn Cash Back Rewards?
    Yes, all Space Coast Credit Cards will earn Cash Back Rewards. 
  • 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
  • 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
  • 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.
  • 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: 305-882-5000, 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 5), 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. 
  • 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. 
  • 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.