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On Monday, Oct. 14, SCCU will be closed in observance of Columbus Day and Online & Mobile Banking will be unavailable from 10:30pm - 2:30am for maintenance. We apologize for any inconvenience.
Opening a checking account? Let’s help you steer clear of common fees. We’ll guide you through them and share how to open a Free Checking account at SCCU.
How to Help Kids and Teens Save More Money
June 20, 2024 By Space Coast Credit Union
This article will cover a variety of tips to help kids and teens learn practical hands-on ways to build essential money management skills.
Definitive Guide to Student Credit Cards
May 28, 2024 By Space Coast Credit Union
High school students can practice financial responsibility through a student credit card!
How to Open a CD in Florida with Space Coast Credit Union
April 26, 2024 By Space Coast Credit Union
See all the steps to open a CD in Florida with Space Coast Credit Union.
Honestly Free Business Checking
March 22, 2024 By SCCU's Business Services
Owning and operating a business is a lot of work, and every penny adds up to the bottom line. You should be able to trust your financial institution to be a partner in your success.
Why Visa Signature is the Best Points Credit Card (With No Annual Fee!)
February 23, 2024 By Space Coast Credit Union
Looking to get a credit card? Here are numerous reasons why Visa Signature is the best points-based credit card (with no annual fee!).
Down Payments: How Much is Enough?
February 12, 2024 By Space Coast Credit Union
Making a down payment is an investment and, as with any investment, it's important to weigh the pros and cons.
Opening a checking account? Let’s help you steer clear of common fees. We’ll guide you through them and share how to open a Free Checking account at SCCU.
Owning and operating a business is a lot of work, and every penny adds up to the bottom line. You should be able to trust your financial institution to be a partner in your success.
Secured lending refers to loans requiring collateral for loan approval. Types of collateral loans include secured credit cards & loans secured by bank accounts.
Here are 10 ways to save money while in college, allowing you to spend less time staring at an empty bank account and more time living the fun college life.
You might receive offers in the mail or at stores to apply for a credit card. But you might be concerned that having too many credit cards may negatively impact your credit.
While generally an auto loan makes more financial sense, your situation may call for a personal loan. In this article, we’ll cover the pros and cons of each type of loan to help you decide.
Learn the differences between fixed-rate, ARM and other mortgages in our guide to mortgage loans. Find out how to choose the lender that's right for you.
You may like to get a good sense of what you can afford, and financial institutions can help with that—by either pre-approving or pre-qualifying you for a certain dollar amount for the car loan.
Certificates of deposit (CDs) are a special type of savings account with a guaranteed rate of return over a certain timeframe so you can give your savings a raise even while you sleep!
Payment apps come with serious limitations, and since scammers have been wiggling freely through these loopholes, your hard-earned money could be at risk.
Visa Signature offers a rewards program, travel perks, low variable rates, security features, and more. We’ll give you the 360-degree view of why this card is worth having in your pocket.
Perhaps unexpected expenses are piling up, and you’re scrambling to figure out how to pay them all. We’ll cover how to consolidate debt in this article, which could be a light at the end of the tunnel for you.
Who doesn’t love earning money while spending money? Space Coast Credit Union’s (SCCU)’s Visa® Platinum—the star of the best cash back credit cards—gives you the power to do just that.
Business advisors are resources that not only can help business owners overcome hurdles, but can also help them get on a better path to achieving their goals.
Whether you’re considering buying your first home or thinking of refinancing your current mortgage, a mortgage loan calculator or refinancing calculator can help.
This is the ultimate guide to auto financing to help you get the best car loan at the best rate. Plus, we sprinkle in helpful tips about refinancing, GAP insurance, and more.
With everything from rates to perks, you may find yourself on the fence as you're making your decision between Visa® Platinum or Visa Signature®. This article provides a comparison between the two to help you decide.
If you’re wondering if you can buy a house with no money down, the good news is that yes, as long as you meet the qualifications, you can! This article covers no- or low-money-down home loan options.
From depositing checks to paying bills, your checking account should work FOR you and not against you with unnecessary extra monthly fees. See why it's worth switching to a Free Checking account at SCCU.
Adjustable-rate mortgages (ARMs) typically offer low rates in the beginning of the loan term. Not sure if an ARM is right for you? This article will demystify an adjustable-rate mortgage and cover its pros and cons to help you decide.
If you’re ready to make a used or new purchase for RVs, motorcycles, or boats, then you’re in the right place to learn more about getting the financing you need for your fun.
This construction loan guide is to help you understand everything you need to know about how construction loans in Florida work and how these unique instruments can benefit you during construction.
With Americans spending more than 37% on average for housing costs, choosing to rent vs. buying a house can be a difficult decision. Here we look at the pros and cons of each to help you decide which path might work best for you.
Knowing how to properly keep track of the money coming in and out of your accounts can better help you navigate your business accordingly and pivot when necessary.
It’s a good idea to explore your financing options before shopping for vehicles to gear you up better for car-buying success, which usually begins with an auto loan pre-approval from a credible lender like SCCU.
If you qualify for a U.S. Department of Veterans Affairs (VA) loan, then this option is likely your best choice for financing your home purchase because of the benefits this type of loan provides. The United States government designed this mortgage program to help active service members, military veterans, and certain surviving spouses purchase a home.
In this article, we discuss our Hero Home Loan options in depth, such as their features, requirements, eligibility, and examples of each option in action, to help heroes choose the one that best fits their financial needs.
You’re walking along the beach and begin to feel thirsty. Your heart sinks once you realize your wallet is over a mile away. But then you realize that you have your phone with you, which means you can still access all of your cards through your digital wallet app! Learn more about all of its benefits here.
Credit cards offer several benefits from covering emergencies to earning rewards. But with so many card options available (and vying for your attention) with cash back or points, it can be overwhelming to choose a rewards program that’s best for you. In this article, we’ll discuss the pros and cons of each type to help you score rewards in no time!
Checking accounts are like a Grand Central Station for your money—flowing in and out with deposits and withdrawals. Many banks and credit unions offer free checking accounts, but what exactly is a free checking account and why should you get one?
FHA loans offer a more accessible avenue to homeownership for many people thanks to its low down payment and credit score requirements. Not sure if you meet the qualifications, or if it’s a good fit for you?
If you feel like you’ve come to a fork in the road while deciding between a 60- or 72-month auto loan, you’ve come to the right place. We're covering the pros and cons of both in this post to help you make a final decision.
When you want to borrow money—perhaps for a mortgage or a car loan—or to get approved for a credit card, lenders typically require a decent credit score. But, what is a good credit score, and how can you make sure you have one?
If you’ve been thinking about applying for a home loan or refinancing, but you’re unsure you can afford closing costs and a down payment, a no closing costs mortgage may be right for you.
Today, strategically selecting whether or not to use a credit card and which one to use can be part of savvy financial management. We're taking a look at why the Visa® Platinum credit card at SCCU may be the one for you.
Saving money can be challenging. But after the holiday season, it’s often a top New Year’s resolution. From joining special savings accounts to making some daily item switches, we’ve rounded up 10 ways that could save you thousands of dollars a year!
This past year, we commemorated our 70th anniversary with a focus on kindness, giving away over $30,000 to our members and communities throughout our service area along Florida's east coast.
You may have lots of questions when it comes to getting a construction loan, and we’d like to help lessen your stress. With some knowledge under your belt, you’ll be well on your way to breaking ground.
In many cases, people save more money in the long run after refinancing and end up with a better monthly auto loan payment. However, many other factors play a part in determining if it’s a good idea to refinance your car loan.
Today in the ring: 30-year fixed-rate mortgage vs. 15-year fixed-rate mortgage. In this article, we’re going to cover the pros and cons of each mortgage term to help you make a more informed decision. And along the way, we’ll provide some helpful tips to keep in mind.
It’s a haunting notion to think about the chilling consequences of identity theft, yet with the holidays around the corner, it’s important to protect your digital home. With the spikes in online shopping and email activity this time of year, scammers make more attempts to capture financial information. But with a dash of caution and a sprinkle of reviewing settings, you can fortify your defenses against cybersecurity threats.
Whether you’re looking to transform your home renovation dreams into reality, plant seeds for investments, or cover unforeseen expenses, you have a variety of options when it comes to how you can tap into your wellspring of home equity. But which option is best for you? In this article, we’ll explore the pros and cons of HELOC loans vs cash-out refinancing.
If you dream of enjoying the Florida waterways in a sailboat, powerboat, motorboat, cabin cruiser, or other boat type of choice, here’s what you should know about financing and the boat loan process. Fortunately, the purchase process is easier than you might think. We’ll take you through the entire process to help you find the best boat loan for you.
Maybe you’ve run into the following paradox: How do I get a credit card with less-than-perfect credit (or no credit) if I need a credit card to build my credit? You’re in luck because secured credit cards break this cycle!
While teens can watch hundreds of videos on the Internet about finances, experience is often the best teacher when it comes to managing money. But it can feel overwhelming for them to know where to start learning the fiscal ropes. Opening a checking account gives them a learner’s permit to handling financial matters with the peace of mind of having an adult as the co-owner.
When searching for the right checking account, most people would prefer one that’s “free” — and rightly so. But it can be hard to know what exactly “free” means today when we know that fees and terms are often the name of the game. The reality is that financial institutions will define "free" in different ways.
Refinancing a car involves replacing the current loan on your vehicle with a new loan that typically has more agreeable terms. This can take place with your current lender or with a different one. To help you navigate this process, we’re sharing the pros and cons of refinancing a vehicle, the steps involved in refinancing, and when it makes sense to do so.
Home loans are the key to turning a house you love into a home that belongs to you. As you’re exploring your options, you may stumble across FHA loans and wonder what they entail and if one’s right for you. FHA loans have many different benefits and are targeted at helping both new home buyers achieve the dream of home ownership and those looking to refinance.
Space Coast Credit Union (SCCU) is pleased to announce the winner of its “Small Business. Big Love. Contest" and the grand prize of $5,000. Hummingbird Pantry, a non-profit organization and SCCU member since 2017, won the contest with more than 11% of the votes cast.
August 20, 2021 By Jodie Kinley-Smith & Duane Daski
We’re in a strange economic time right now with many dealers having an extreme shortage of inventory due to a chip shortage. Chips, or semiconductors, play an essential role in managing vehicles’ safety devices, engine functions, and more. Because of the pandemic, U.S. automakers had to close factories to slow the spread of the virus and cancelled chip orders, expecting fewer people to buy.
Refinancing your mortgage can help you save money with a lower interest rate and get you to the home ownership finish line faster than your current one. Or, it could be a good way for you to cash out on some of your home’s equity for other projects. To determine if it’s the right path for your goals, it’s best to understand how mortgage refinancing works more in depth.
Do you feel like your brain’s dissolving into Jell-O as you’re exploring car loan repayment periods? It can feel overwhelming as you’re weighing the pros and cons between short-term and long-term loans. Common car loan terms usually range between 24 and 84 months—but which one is right for you?
Whether you’re getting your feet wet or diving in the world of loans, a HELOC is often a prime choice for borrowers. And the crown molding on top? You can often get a lower interest rate with a HELOC than with other types of loans and credit cards! See our 5 top tips to getting the best HELOC rates...
Credit cards can be an excellent tool for building credit when you’re financing purchases both big and small. Most credit cards today deliver some form of benefit with membership—accumulating points, cash back, airline miles, or other deals, consumers have a wealth of choices.
Traveling involves a lot of planning to have a memorable time with loved ones. The last thing you want is a fraudster ruining your vacation. These tips will help you prevent identity theft before, during, and after your vacation.
Most people have heard of a Home Equity Line of Credit (HELOC), but you may not be as familiar with how they work. In today’s deep dive, we’re going to explore all the ins and outs of this fantastic loan vehicle for homeowners to get the cash they need to do repairs, renovations, and more—all based on the equity they already have in their home.
It’s not always easy to save up for the large down payments that some types of mortgages require. The good news? There are other loan options that can help you reach your homeownership goals.
Here are 5 tips to building your dream home, from creating a prioritized list of wants and needs to choosing the best lender for your home construction loan.
Discover how to obtain financial peace in 5 simple steps. Learn how to pay off your debts the right way and educate yourself on how to live financially free.
At SCCU, our Business Advisors meet with small business owners daily, as a free service offered to our business members. We’ve found that these six steps help business owners think through some of the important considerations when starting a new business- allay their fear of the unknown and growing their confidence.
These practices will not only reduce your risks and stress but save you time and money in the future. Here are seven steps to hiring, while reducing your business’s risk.
SCCU has several convenient services that can help you save time and keep you up-to-date on your accounts while on the go and from the comfort of home.
Space Coast Credit Union is proud to announce an updated online and mobile banking experience with additional features is now available! Our new website, online banking, and mobile app feature a modernized layout, improved navigation, and upgraded design to improve your SCCU banking experience.
Consumers are more aware than ever about the risk of data breaches, but weak passwords are still prevalent. World Password Day, celebrated the first Thursday in May, was established to promote good password habits.
Space Coast Credit Union aims to be the one-stop-shop for members purchasing a home.
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