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  • Frequently Asked Questions


  • 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. 
  • 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.