Online Banking 
 
Enroll in Online Banking
  • Frequently Asked Questions

FAQ




  • Who can apply for an SCCU Mortgage Loan?

    Space Coast Credit Union provides all who work or live in Brevard, Broward, Clay, Duval, Flagler, Hillsborough, Indian River, Martin, Miami-Dade, Monroe, Nassau, Orange, Osceola, Palm Beach, Pinellas, Seminole, St. Johns, St. Lucie, or Volusia Counties in Florida with mortgages loans. SCCU mortgage loans are available for properties throughout Florida, provided you meet our membership requirements. Membership is not required to apply - we can take care of your mortgage loan application and membership at the same time!

  • How do I apply for an SCCU FHA Home Loan?

    The easiest and fastest way to apply for an FHA loan is to get started with our online application. There's no application fee, and you can access the online mortgage application 24 hours a day, 7 days a week.

    You may also apply person-to-person over the phone with Express Sales

  • How do I know if an SCCU FHA Mortgage Loan is Right for Me?

    Space Coast Credit Union offers a wide range of low-rate affordable mortgages for everyone, including first-time homebuyers, which makes home ownership affordable. An SCCU Mortgage Loan Officer can help you determine if an FHA loan is the right mortgage loan for you, or if another home loan will save you even more money.

  • What is an FHA Home Loan or FHA Mortgage?

    An FHA insured loan (also known as FHA home loans, FHA mortgages, or just FHA) is a Federal Housing Administration (FHA) mortgage insurance backed mortgage loan provided by FHA-approved lenders, like Space Coast Credit Union.

    This means that the Federal Housing Administration, a part of HUD (the U.S. Department of Housing and Urban Development), insures the loan so that Space Coast Credit Union can provide potential home buyers with loans that feature lower down payment requirements, low closing costs, and lower credit score requirements.

    To obtain mortgage insurance from the Federal Housing Administration, a mortgage insurance premium (MIP) equal to a percentage of the loan amount at closing is required. This MIP is normally financed by the lender and paid to FHA on the borrower's behalf. FHA loans also include a monthly premium. An SCCU Mortgage Loan Officer can help you determine if an FHA loan is the right mortgage loan for you.

  • How do I apply for a new mortgage?

    There are two easy ways to apply:

    1. Apply for your mortgage online anytime at SCCU.com

    2. Apply by phone with Express Sales

    How to reach Express Sales: Monday - Friday 8:00am - 6:30pm

    Saturday 9:00am - 3:00pm

    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

    Our Express Sales Associates will answer your questions, help you find the mortgage loan that's right for you, and take your application over the phone in just minutes.

    Once your application is completed, your personal Mortgage Representative will contact you within one business day.

    We'll keep you informed every step of the way. You can be ready to close in as few as 12 business days!*

  • Why can't I make my mortgage payment online?

    If your loan payment has been assessed a late fee, online payment access is disabled. To restore this access, your scheduled payment and late fee must be processed by an SCCU representative.

    Please contact Member Services using the contact information below for your area. You may also visit your local SCCU branch for assistance.

    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

  • What is the status of my mortgage loan application?
    After your application is completed, a Mortgage Representative will contact you to answer any questions you may have. Your Mortgage Representative is a mortgage expert and will provide help and guidance along the way. If your request wasn't approved online, they'll ask you for any information required to make a decision about your loan.
  • How do I make my mortgage payments?

    If you have not yet signed up for automatic payment from your SCCU savings or checking account, you may transfer your payment through Online Banking or CALL-24. You may also make your payment in person by visiting your local SCCU branch or by mailing to the address below:

    Space Coast Credit Union

    PO Box 419001

    Melbourne, Fl 32941-9001

  • How do I refinance my current mortgage?

    There are two easy ways to refinance your mortgage:

    1. Apply to refinance your mortgage online anytime at SCCU.com

    2. Apply by refinance your mortgage over the phone with Express Sales

    How to reach Express Sales: Monday - Friday 8:00am - 6:30pm

    Saturday 9:00am - 3:00pm

    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

    Our Express Sales Associates will answer your questions, help you find the mortgage loan that's right for you, and take your application over the phone in just minutes.

    Once your application is completed, your personal Mortgage Representative will contact you within one business day.

    We'll keep you informed every step of the way. You can be ready to close in as few as 12 business days!*

  • 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.
*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

Space Coast Credit Union (SCCU) © 2015

Attention

YOU ARE LEAVING THE SPACE COAST CREDIT UNION WEBSITE

You are being directed to www.samplesite.com, a website not operated by SCCU. SCCU is not responsible for the content of the alternate website. SCCU does not represent either the third party or the member if the two parties enter into a transaction. Privacy and security policies may differ from those practiced by SCCU.

Would you like to continue?

  

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.