Online Banking 
 
SCCU Routing Number: 263177903

Fee Schedule 2014 (effective February 1, 2014)


Deposit Accounts Basic Active Gold Platinum
SCCU Membership Fee, when opening accounts $5 $5 $5 $5
Interest Checking balance below $1,500 min during month - per month fee $12 $6 Waived Waived
Free Checking - per month fee None None None None
Money Market Checking balance below $5,000 any day during the month - per month fee $25 $15 Waived Waived
Automatic Overdraft Transfer Fee (to cover checks, automatic payments, transfer of funds and point-of-sale) - per transfer fee $10 $10 $10 $5
Non-Sufficient Funds
(due to check, including automatic payments, i.e. life insurance, health club payments, mortgage payments) - per transfer fee
$30 $30 $30 One waived per year*
Overdraft Privilege (per item paid) $30 $30 $30 $30
Money Market Savings Account balance below $2,500 min during month - per month fee $9 $9 $9 $9
Investor's Money Market Account balance below $15,000 min during month - per month fee $15 $15 $15 $15
Premium Investor's Money Market Account balance below $50,000 min during month - per month fee $25 $25 $25 $25
New Directions/Fresh Start Checking monthly maintenance fee - per month fee** $10 $10 $10 $10
New Directions Account Closure Fee (within 6 months of opening) $50 $50 $50 $50
Dormant account: no member generated activity within 24 months - per month fee $5 $5 $5 $5
Uncollected Funds Fee $30 $30 $30 $30
Account reconciliation (by appt.) per hour $20 $20 $20 $20
Account research per hour $15 $15 $15 $15
Verification of deposit (Mail or Fax) $15, expedited $25 $15, expedited $25 $15, expedited $25 $15, expedited $25
Rejected checks due to third party printing - per item fee $2 $2 $2 $2
Members with Savings Account only (balance below $300 min. during month) - per month fee $3 Waived Waived Waived
ATM Fees Basic Active Gold Platinum
Foreign ATM transaction fee (fee charged by SCCU for using a non-SCCU ATM) - per transaction fee $1.50 $1 $0.50 Waived
Overdrawn account through ATM (Automatic Overdraft Transfers do not apply to ATM transactions) $30 $30 $30 $30
Overdrawn account through Point of Sale (POS) $30 $30 $30 $30
Credit & Debit Card Basic Active Gold Platinum
Non-sufficient funds for debit card purchase $30 $30 $30 $30
Credit card late payment fee (excluding 25 day grace period) $30 $30 $30 $30
Priority Card Mailing (per card) $30 $30 $30 Waived
Sales Draft Copy (each) $30 $30 $30 $30
Bill Payer Basic Active Gold Platinum
Online Bill Payer Service Free Free Free Free
External Account Transfers Basic Active Gold Platinum
External Account Transfer into an SCCU account Free Free Free Free
External Account Transfer out of SCCU account to another financial institution $2 $2 $2 $2
External Account Transfer Failed Transaction Fee (non-sufficient funds) $30 $30 $30 One waived per year†
Person-to-Person Payments Basic Active Gold Platinum
Person-to-Person online personal payment $.50 $.50 $.50 $.50
Special Services Basic Active Gold Platinum
Optional Paper Statements - per mailed statement fee1 $1 $1 Waived Waived
e-Statements (Online Statements) Free Free Free Free
VISA Gift Card $5 $5 $5 $5
Teller Checks $3 $3 Waived Waived
Counter Checks (Temporary Checks) $2.50 Waived Waived Waived
Money Orders $1 $1 Waived Waived
Stop payment on Official/Credit Union check $30 $30 $30 $30
Copy of Official/Credit Union check $2 Waived Waived Waived
Incoming wire $10 $10 $10 $10
Outgoing wire (domestic) $15 $15 $15 $15
Outgoing wire (outside the US) Min. $35 Min. $35 Min. $35 Min. $35
Returned deposited checks (to me-from me checks) drawn on another institution $30 $30 $30 $30
Levies & Writs - per document fee $75 $75 $75 $75
Loan modification fee (Consumer) $50 $50 $50 $50
Loan modification fee (Mortgages) $250 $250 $250 $250
Loan modification fee (Business) Varies Varies Varies Varies
Western Union/Commercial Money Orders Varies with amount Varies with amount Varies with amount Varies with amount
Bond Coupon Redemption - per envelope $5 $5 $5 $5
Telephone Inquiries to the Member Service Center (for things that can be done for free using CALL-24, i.e. balance inquiries, withdrawals, transfers) $1 $1 Waived Waived
Check cashing fee if amount of cash returned exceeds the amount on deposit $5 Waived Waived Waived
Subordination Fee $150 ($75 if the new 1st Mtg is with SCCU) $150 ($75 if the new 1st Mtg is with SCCU) $150 ($75 if the new 1st Mtg is with SCCU) $150 ($75 if the new 1st Mtg is with SCCU)
Coin Processing Fee Free Free Free Free
History of Accounts $2 Waived Waived Waived
Returned check fee on checks that are deposited $5 $5 Waived Waived
Notary service†† $3 Waived Waived Waived
Signature guarantee $10 $10 Waived Waived
Stop payments $30 $30 Waived Waived
Copy service $0.25 per copy Waived Waived Waived
Check photocopies/inquiries (if produced by SCCU. You may print out free copies any time from Online Banking) $2 $2 Waived Waived
Statement copies (if produced by SCCU. You may print out free copies any time from Online Banking) $1 $1
Waived
Waived
Consumer Loan Late Fee (as provided in Promissory Note) $30 $30 $30 $30
Loan Servicing Basic Active Gold Platinum
Discount on 1st Mortgage Processing Fee None $100 $150 Waived
GAP coverage for vehicle loans $350 $325 $300 $250
Safe Deposit Boxes Basic Active Gold Platinum
3x5 $50 $50 $40 Waived^
5x5 $70 $70 $60 $50
3x10 $80 $80 $70 $60
5x10 $100 $100 $90 $80
10x10 $175 $175 $175 $175
Safe deposit box drilling fee Min. $100 Min. $100 Min. $100 Min. $100
Safe deposit box rental late fee $5 $5 $5 $5
Safe deposit box key replacement $10 $10 $10 $10

 

Your credit union provides you with basic financial services at the most favorable rates and terms possible. Because we are a not-for-profit organization, we've been able to keep our fees on our services to a minimum. If charges occur, they are to cover operating costs. Members and their households who fully participate in the cooperative either by loan or deposit relationships or qualifying account activity have many of the following fees waived at the Active, Gold, or Platinum Member Rewards participation level. Fees subject to change.

1Optional Paper Statements: All accounts include free e-Statements, with optional paper statements available for the listed fee based on Member Rewards level. If you receive a monthly statement, you will be charged $1 per month for Basic and Active level members. If you receive a quarterly statement, you will be charged $1 per quarter for Basic and Active level members. Your statement schedule is determined by the types of accounts you hold with SCCU. 

* One non-sufficient funds fee waived at member's request. A $30 fee will be charged for each additional occurrence.

** Monthly New Directions/Fresh Start checking account fee applies regardless of Member Rewards level.

^ Free 3x5 safe deposit box is subject to availability.

^ † One External Account Transfer failed transaction fee (non-sufficient funds) waived annually at member's request. Request counts toward the one Non-Sufficient Funds fee waiver available to Platinum members. A $30 fee will be charged for each additional occurrence of an External Account Transfer failed transaction fee or any additional occurrence of a Non-Sufficient Funds fee.

†† Most documents accepted. Some restrictions apply. Contact the Member Service Center for additional details.

  • SCCU Routing Number: 263177903
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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

Space Coast Credit Union (SCCU) © 2014

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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.