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  • Frequently Asked Questions


  • What is SCCU's routing number?
    SCCU's routing number is 263177903. You will need SCCU's routing number and your 13-digit electronic checking account number to accurately order your SCCU checks. Your 13-digit electronic checking account number can be found on your monthly print or electronic statement. You may also call the Member Service Center for assistance. Please note that failure to use the correct numbers may result in delayed or denied payments.
  • Who can I contact to request payment assistance with a loan?

    If you are experiencing problems making your payments due to changes in your financial situation, please call SCCU's Collections department:

    Brevard: 321-752-2222, option 7
    Broward: 954-704-5000, option 7
    Miami-Dade: 305-882-5000, option 7
    All Other Areas: 800-447-7228, option 7

  • What is the difference between a Money Market Savings and a share account?
    A share savings account is a requirement for membership. The first $5 in the account is your pledge of share for membership. Our money market savings is a high interest-bearing savings account with enhanced features. It is a tiered rate product whereas the share account is one rate for all balances in that product. The money market account has additional features such as limited check writing privileges and an card to withdraw funds at an ATM machine or make PIN-based purchases.
  • What is the minimum opening deposit requirement for my Savings Account?
    You may open a savings account with just $10. $5 of your opening deposit is applied towards your one time membership fee.
  • Why is a Savings Account required for membership?
    A Share Savings Account is held by all members of the credit union. This account establishes your ownership/membership within the Credit Union. 
  • What is the interest rate?
    The interest rate (dividends) are tiered based on the balance in your account. Savings Account dividends are declared at the end of each month based on the earnings for that month.
  • Can my Savings Account be linked for Overdraft Protection?
    Yes. Your savings account may be used as a source for Overdraft Protection.
  • Is an ATM card issued with my Savings account?
    At SCCU, we will issue you a Debit Card with Savings Account only access.
  • How do I cancel paper statements?

    To sign up for Online Statements and cancel your paper statements:

    1. Log on to Online Banking and select the “Personal Settings” tab
    2. In the “Personal Settings” section select "Statement Preference", then "Electronic Only".
    3. Submit your request.
    All accounts include free e-Statements, with optional paper statements available for the listed fee based on Member Rewards level. Visit our SCCU Fee Schedule for more information on optional paper statements.
  • Do you offer notary service or have notaries in your branches?
    Qualified SCCU employees have been commissioned by the State of Florida and are available at each branch location, with the exception of drive-thru only branches, to perform Notary Public services for you. Please call to verify availability at the branch nearest you.

    These are the main features to note about our Notary Public service:
    • Space Coast Credit Union employees who are notaries are able to notarize all documents except those listed below:
    • Wills
    • Handwritten contracts
    • Trust documents
    • You must sign all documents presented for notarization in the presence of the Notary Public.
    • You must provide acceptable identification, such as a driver's license, military ID, etc.
    • Your Notary Public has the right to refuse to notarize documents that are incomplete, written in a foreign language, or that he/she does not feel comfortable notarizing.
    • Your Notary Public is not permitted to certify a copy of any public record, such as a birth certificate, death certificate, etc.

    Please contact the Member Service Center if you have any questions.

  • Can I pick any day of the month for Allocations (Budget Master) to be established?

    Members may establish allocations transfers for the 1st, 5th, 10th, 15th, 20th, 25th and the 30th through our Member Service Center.

    You may also establish allocations within Online Banking for any day they would like. Choose the "Transfers" tab in Online Banking to begin.

  • Can someone else access my safe deposit box?
    No, only account owners may access your safe deposit box. Proper identification is required for each branch visit.
  • I had an automatic allocation that was established for a long time and all of the sudden the allocation stopped. What happened to my allocation?
    When a payroll company changes their ACH information, allocations will automatically stop. This can easily be corrected by calling the Member Service Center or by visiting your local branch. A representative will correct this issue and your allocation will continue as usual.
  • When is my safe box fee deducted from my account?
    The safe deposit box fee is automatically deducted from your account annually.
  • What kinds of transactions can I complete with CALL-24?
    CALL-24 supports deposit account inquires, transfers & withdrawals, loan inquiries, tax information, and more. Visit our CALL-24 menu option page for current options.
  • Can I stop/restart the Allocations (Budget Master) service whenever I want or change the amount of the allocation?
    Yes, allocations can be stopped and restarted or changed easily. Visit any branch or call the Member Service Center for assistance.
  • Is there a fee to use a Shared Service Center?
    Effective February 1, 2013, a Shared Service Center transaction fee will not be charged at any Member Rewards level. Learn more about Shared Service Centers.
  • The safe deposit box I requested is unavailable, what should I do?
    If the safe deposit box you requested is unavailable you may you choose to open a box at another branch location.
  • What are Allocations (Budget Master)?
    Allocations (previously known as Budget Master) are a service provided by SCCU that is free of charge and allows members to establish automatic recurring transfers from one SCCU account suffix to another. 

    BudgetMaster, SCCU’s monthly account transfer service, can help you meet your money management needs. Funds can be transferred automatically from your savings account (00 suffix) to other SCCU accounts on pre–set dates. Recurring monthly transfers can be scheduled for the 1st, 5th, 10th, 15th, 20th, 25th or 30th of each month.
    • Use it for scheduled monthly savings, including deposits to My Way and Christmas Club accounts
    • Transfer payments directly to loan accounts by the due date
    • Transfer funds to accounts used for automatic loan payments just before the due date
    • Make extra principal payments on your SCCU loans, including mortgages (call Member Services to arrange)

    To set up BudgetMaster transfers, call the Member Service Center or visit any branch.
  • When can I access my safe deposit box?
    You may access your safe deposit box anytime during normal branch lobby hours. 
  • Why do I have to visit a branch to receive an Account Access Code for CALL-24?
    For your protection, we must verify identity prior to completing this request. Anyone who has the Account Access Code will have access to the account and will be allowed to complete account transactions.
  • What types of transactions am I able to complete at a Shared Service Center branch?

    You may process deposits, withdrawals, transfers between SCCU accounts, and loan payments through most Shared Service Centers. You may also request balance inquiries.

    Please understand that not all of these services will be offered by each Shared Service Center branch location. Some of these locations may have limited access to your account or may not offer the specific service you are requesting. You can easily access your accounts through CALL-24 or SCCU Online Banking at any time.

  • My safe deposit box key was misplaced, what do I do?
    If one or both of your safe deposit box keys has been misplaced, please visit your branch location for assistance.
  • How can I know what my suffix is before using CALL-24?
    The suffix numbers and description appear on each statement. Reference your monthly account statement available within Online Banking (or via mail for members who have chosen this service) for your account suffix information.
  • CALL-24 is asking for a suffix. What is a suffix?
    The suffix is the two digit number that identifies the specific account type. Reference your monthly account statement available within Online Banking (or via mail for members who have chosen this service) for your account suffix information.
  • Will I be charged a fee for using a Shared Service Center ATM?
    When using a non-SCCU ATM, a fee may be assessed by the owner of the ATM. Depending on your current Member Rewards level, you may also be assessed an additional fee by SCCU for using a non-SCCU ATM.
  • What are the CALL-24 menu options?
    Visit our CALL-24 menu option page for current options.
  • Can I schedule a transfer from my checking account to my savings every time I receive my direct deposit?
    Yes, at the Member Service Center we can only establish Allocations (Budget Master) for a specific date in the month. Since your payroll may not be on the same days every month, you may prefer to establish a payroll allocation. These can be completed at any SCCU branch. Simply complete a direct deposit allocation form and to establish automatic transfers to other suffixes when you receive your direct deposit.
  • Can I use a Shared Service Center ATM?
    Your account is accessible through any ATM that displays the Accel/Exchange®, Plus® or Visa® network logo. When using a non-SCCU ATM, a fee may be assessed by the owner of the ATM. Depending on your current Member Rewards level, you may also be assessed an additional fee by SCCU for use of a non-SCCU ATM.
  • How is a low balance fee calculated?
    The low balance fee is calculated based on effective dates of transactions and deposits. If your daily balance drops below the minimum balance requirement, a low balance fee is charged on the last day of the month.
  • How much are your Visa gift cards?
    View our Fee Schedule for the current gift card purchase cost.
    • You may pre-load your gift card with any dollar amount between $10 and $500.
    • The card is available for use as soon as it is activated via phone. No activation fee is charged.
    • Visa Gift Cards can be used anywhere Visa debit cards are accepted, excluding hotels, auto rentals, and gas "pay at the pump."
    • Cards are not reloadable.
  • How do I send a wire funds transfer?

    To send a wire from your SCCU account, you must have a funds transfer agreement and password on file. This form can be completed at any branch location.

    You will also need to provide us with the following information:

    • Name, address, and routing/ABA number for the bank your wire is going or the bank's swift code if it is an international institution. An IBAN Number will be needed for wires to Europe and a Key Code Number will be needed for wires to Mexico. Refer to the receiving bank for that information. Note: Corresponding bank information is necessary for international banks or if the receiving bank cannot accept wires directly. Refer to the receiving bank for wiring instructions.
    • Name, address, phone number and account number of the person receiving the funds, as well as the account type the funds are going into: savings, checking, trust, etc. International wire submission also requires information to be provided on the purpose of the transfer and relationship of the beneficiary.
    • Name and account number of your SCCU account, as well as the amount of wire. Please ensure we have more than one phone number on file in your account in case we need to contact you regarding your wire. Most domestic wire transfers sent payable to your name can be completed via phone. All wire requests including those being sent to an international institution; and/or those that are being sent to a different individual or company can be done at a branch.
    View our current Fee Schedule for other valuable information about wire transfers.

    Our cutoff time for same day transmission is 3:00pm for wires.
  • How do I find a Shared Service branch? How do I locate a Shared Service branch? Where is my Shared Service branch?
    Call the CU Service Center at 800-919-2872 or use the Shared Service Center branch locator at Co-Op Credit Unions to find the nearest participating branch. Visit our Shared Service Center page for more information.
  • What is SCCU Express Sales?
    Before you visit a branch, take a moment to find out what you can do by phone with Express Sales!
    Express Sales provides person-to-person service without the need to visit a branch. A knowledgeable Associate will work with you by phone to take care of your credit union business in minutes:
    • Join Space Coast Credit Union
    • Open a deposit account: savings, checking, youth accounts, etc.
    • Apply for a first mortgage or home equity loan
    • Apply for any consumer loan - vehicle, credit card, savings-secured loans, etc.
    Brevard: 321-752-2222 Option 3
    Broward: 954-704-5000 Option 3
    Miami-Dade: 305-882-5000 Option 3
    All Other Areas: 800-447-7228 Option 3
    Hours: Mon - Fri 8:00am - 6:30pm, Sat 9:00am - 3:00pm

    PLEASE NOTE that for all services available by phone, service is also provided by phone in a branch. When you visit any of our branches, you will be directed to an Express Sales phone in that branch. When your call is finished, any needed documents will be printed at the branch, and a Member Service Specialist will work with you to complete your paperwork and answer any questions you may have.
  • How much does SCCU charge for safe deposit boxes?
    Costs vary based on your Member Rewards level. View our current Fee Schedule for information on the cost for a safe deposit box.

  • Can I use a Shared Service Center ATM?
     Your account is accessible through any ATM that displays the Accel/Exchange®, Plus® or Visa® network logo. When using a non-SCCU ATM, a fee may be assessed by the owner of the ATM. Depending on your current Member Rewards level, you may also be assessed an additional fee by SCCU for use of a non-SCCU ATM.
  • What is an Account Access Code?
    Your Account Access Code allows you to to access the automated bank by phone system, CALL-24, in order to receive your account information.
  • How can I receive an Account Access Code for CALL-24?
    You must visit a local branch in order to receive a new Account Access Code for CALL-24 or update your existing CALL-24 PIN.
  • Do you have a deposit or withdrawal slip I can download and print before I visit a branch?
    Yes, our deposit and withdrawal slip (also sometimes known as a transaction request form or member transaction request form) is available for you to download and print prior to a visit to an SCCU branch.

    Click on the link below to download our deposit and withdrawal slip, cut, fill out, and bring it with you for an even faster visit the next time you come to a branch!

    SCCU Deposit and Withdrawal Slip
    Deposit form, Withdrawal form, transaction request form, member transaction request form
  • What is a Payroll Deduction or Payroll Allocation?
    Payroll Deduction - also known as Payroll Allocation - makes it easy to manage your budget. Transfer money to your Savings, Christmas Club, My Way, or IRA Account; or make loan payments on payday, before you begin to use your cash. 

    Ask your employer if you can direct your payroll deposit to go to multiple accounts. If so, the Member Service Center or a branch can assist you in providing the information needed. 
    If you cannot set up Payroll Deduction, you can easily distribute your Direct Deposit among your SCCU accounts using the transfer capability available in our FREE Online Banking service. Transfer money yourself each payday, or set up automatic distributions. Call the Member Service Center if you need assistance getting started. 
  • What is a Shared Service Center?

    Shared Branches provide you access to your accounts when you're traveling or temporarily living outside of SCCU's business area.

    CO-OP Shared Branches allow you to conduct many transactions right in the lobby of credit unions that participate in this Shared Branch approach. To find the nearest participating branch, download the CO-OP Shared Branch app, or visit our locations page for the online CO-OP Shared Branch Locator. You may also call 1-888-748-3266, or text a zip code to 91989 (SB=Shared Branch, SBX=Shared Branch Express self-service).

    Transactions types that can be completed at a CO-OP Shared Branch:

    • Deposits
    • Withdrawals
    • Transfers between SCCU accounts
    • Purchase Travelers Checks
    • Money Orders
    • Stop Payment Orders
    • Credit Card Cash Advance
    • Loan Payments
    • Statement Printouts
    • Balance Inquiries
  • How can I change the payment source on my loan?

    To change the payment source on a loan, members must visit a local branch or contact Member Services using the contact number below for their geographical area.

    Contact the Member Service Center today.
  • How can I skip a loan payment?

    To skip a payment due to a financial hardship or emergency, members may visit their local branch to fill out a Loan Extension Application.

    Members may also call the Member Service Center to have a form mailed to their address on file.

  • 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.