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Government Shutdown Assistance



As our Members’ Watchdog, SCCU is there for our members when they need us most.  We are closely monitoring the current government shutdown and the impact it may have on segments of our membership. SCCU is offering assistance to members who may experience a financial hardship due to a government shutdown.
 

Member Relief Signature Loan – 0% APR1 for 12 months

SCCU is offering a special no-interest signature loan to assist members who are experiencing a financial hardship because of the government shutdown. 
  • If you are a federal government or civilian employee, a government contractor with payroll received from the federal government, or a member of the military you may qualify.2 Members must be impacted by the government shutdown and have an existing payroll direct deposit into an SCCU account.
     

    • 12 months maximum at 0% Annual Percentage Rate (APR)
    • Maximum loan amount will be equal to one (1) month of net pay, as verified by direct deposit history
    • No prepayment penalty
    • Full loan amount will be disbursed to member at loan closing
    • Must be a current member of SCCU
    • Must have had a government employment payroll direct deposited into an existing SCCU account
    • Income derived from government retirement and social security is not qualified for this loan product
 

Penalty Free Early CD Withdrawals

In addition, we are providing members with the option to withdraw up to $10,000 on an SCCU certificate of deposit without being charged any early withdrawal fees.
  • You must be a federal government or civilian employee, a government contractor with payroll received from the federal government, or a member of the military impacted by the shutdown. The maximum CD withdrawal amount for this offer is $10,000.

    To request assistance please visit a local branch or contact the Member Service Center at 800-447-7228.


Loan Extensions

SCCU is offering a streamlined loan extension process to members impacted by the government shutdown. Mortgage forbearance options are also available. 
  • You must be a federal government or civilian employee, a government contractor with payroll received form the federal government , or a member of the military impacted by the shutdown. To request assistance please visit a local branch or contact the Member Service Center at 800-447-7228.
     

    • Consumer loan extensions are available for 30,60, or 90 days
    • Loans that are delinquent more than 45 days will be subject to special review/approval
    • Interest will continue to accrue during the extension period

SCCU offers additional products and services to help any member impacted by the government shutdown. Please contact our Express Services for details and to discuss your unique circumstances.

To request assistance, call Express Services at 800-447-7228.


1APR is Annual Percentage Rate. Loans granted based on creditworthiness. 2Certain restrictions apply. SCCU standard late fees will be charged if borrower does not meet payment terms. Offer subject to change and may be withdrawn by SCCU at any time.


FAQs
 

Is the Federal Reserve Open?
Yes, the Federal Reserve remains open and is functioning as normal.
 

Will my Social Security check arrive?
There is a government plan for providing critical services such as social security payments; therefore we are not anticipating any interruption with payments. Please contact your local Social Security office if you have any questions.
 
Should I withdraw cash?
No. SCCUs operations will not be impacted by the shutdown. The Federal Reserve is open, and all SCCU branches, ATMs, and all departments will remain open. You are able to write checks and use your ATM, debit, and credit cards as usual.

Will my checks clear?
Yes

Will there be any impact on my SCCU transactions?
No.

Will I be able to send or receive a wire?
Yes
 
  • SCCU Routing Number: 263177903
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Space Coast Credit Union membership is open to all who work or live in Brevard, Broward, Collier, Flagler, Indian River, Lake, Lee, Manatee, Marion, Martin, Miami-Dade, Monroe, Okeechobee, Orange, Osceola, Palm Beach, Pasco, Polk, Putnam, Seminole, St. Johns, St. Lucie, Sumter, 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.