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Space Coast Credit Union
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Frequently Asked Questions

Frequently Asked Questions

"How can a SCCU Business Advisor help me achieve my business goals?"
"How do I add an additional signer to my business account(s)?"
"Why can't I use the $5.00 in my savings account?"
"How can I file a card dispute or fraud claim? "
"How do I report a lost/stolen debit or credit card?"
"What is Visa Account Updater?"
"What is Visa Account Updater?"
"What is my Member number and where can I find it?"
"What are the ways I can schedule my automated payment?"
"How do I report a lost/stolen debit or credit card?"
"How do I apply for a mortgage?"
"Do you offer a free checking account?"
"What is SCCU's Check Hold Policy?"
"How should I choose a lender for a commercial vehicle loan?"
"My business is just getting started. Can I get a business auto loan? "
"How do commercial construction loans work?"
"Why should I get a commercial real estate or construction loan from a credit union?"
"How do I set up an automatic recurring loan payment?"
"How do I enroll in online banking?"
"Does SCCU offer merchant and payroll services?"
"How long is the auto loan pre-approval good for? "
"I paid off my auto loan, when will my title be released? "
"Is there a prepayment penalty on my auto loan? "
"What happens if I do not have insurance or my insurance coverage lapse? "
"Why did my payment automatically transfer from my account? "
"Can I go to any dealership to purchase a vehicle with an SCCU auto loan? "
"Do you have to have an account to apply? "
"Do you review credit for an auto loan pre-approval? "
"What happens to my application if I don't go through with the auto loan? "
"What insurance coverage is required by Space Coast Credit Union for auto loans? "
"What is the process after I'm pre-approved for an auto loan? "
"How do I activate my card?"
"How do I report a lost/stolen debit or credit card?"
"How do I report fraud on my card?"
"What is SCCU's routing number?"
"How do I make a payment online?"
"What will the 2Way Text alerts look like?"
"How do I make my mortgage payments?"
"How is escrow calculated?"
"Why can't I make my mortgage payment online?"
"Are my checks free? "
"Why should I choose a credit union instead of a bank for my small business banking?"
"Does my LLC need its own bank account?"
"What online business services does SCCU offer?"
"Do I really need a business account if I have a personal account?"
"Are there transaction limitations on my Savings Account?"
"Can I set up direct deposits to my Savings Account?"
"How is interest paid?"
"How can I update my contact information in Online Banking?"
"What is 2Way Text Fraud Alerts and how does it work? "
"What is 2Way Text Fraud Alerts and how does it work? "
"What will the 2Way Text alerts look like?"
"How can I order a new or replacement card?"
"How can I order a new or replacement card?"
"Will I have to supply a down payment for my auto loan? "
"How can I order checks?"
"How does Overdraft Privilege work?"
"Can I give other people, such as an office manager or bookkeeper, access to my business accounts?"
"How many years do I need to be in business before applying for a loan/business credit card?"
"What documentation is required to apply for a business loan?"
"How do I make a payment online?"
"What are my payment options?"
"Does SCCU offer Home Equity loans?"
"What is Regulation D?"

FAQ Categories:

Yes, the coverage is provided 24-hours a day, worldwide. 
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Cash deposits are immediately available. Check deposits are subject to hold with a minimum of $100 immediately available. Funds availability increase based on your account relationship.
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It depends on the dealership. Many Member Protection products and services are discounted if you sign paperwork with SCCU directly instead of purchasing these additional products at the dealer. 
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As with any other type or business loan, equipment financing companies and other types of lenders that offer vehicle and equipment loans have varying requirements. In general, however, many lenders will give your business a loan but it may come with a higher interest rate and stricter terms on repayment than it would if you had good credit. It's still a good idea to pursue a loan, because building a history of on-time payments can help your business improve its credit score over time.
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Yes! Our flexible Home Equity loan options give you the ability to choose the funds you need, when you need them. Learn more.
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Our Business Advisors specialize in helping you establish a vision for your business, create action plans, and support you as you overcome obstacles along the way. They can help your business analyze the benefits and risks of various components of your business, such as:

•  Operations                                  •  Finances
•  Human Resources                      •  Marketing

Expert consulting services and advice from SCCU Business Advisors are FREE for our members.
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Members must contact Express Services to make changes to the loan. Space Coast Credit Union requires a new application for approval in order to add or remove a member to or from a loan. Fees may apply.

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You may order checks in Online Banking, at any SCCU branch, or by visiting the below ordering links:

Order Personal Checks
Order Business Checks

You may also call the Member Service Center at your local number below:

Brevard: 321-752-2222
Broward: 954-704-5000
Miami-Dade: 305-882-500
All Other Areas: 800-447-7228

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There are two easy ways to apply: 1) Apply online anytime at SCCU.com, or 2) Apply by phone with Express Services, by calling your local number below:

Mon-Fri, 8:00am-6:30pm; Sat, 9:00am-3:00pm
Brevard: 321-752-2222  |  Broward: 954-704-5000  |  Miami-Dade: 305-882-5000  |  All Other Areas: 800-447-7228

Our Express Services Associates will answer your questions, help you find the mortgage 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.

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To file a claim, call your Plan Administrator at 1-877-629-6037 weekdays 7:00 a.m. to 5:00 p.m. EST Saturdays, 8:30 a.m. to 5:00 p.m. EST
 
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To dispute inaccurate information on your credit report, notify both the credit reporting company and the information provider in writing. Send a letter to the address on your credit report stating what you are disputing, why it is an error, and include copies of documentation proving the information is inaccurate. Including a copy of the credit report, with the error highlighted, may also be helpful. It is recommended to send your dispute by certified mail, “return receipt requested,” to ensure the company received your letter.

More information, sample dispute letter templates, and further instructions on how to dispute errors on your credit report can be found on the Federal Trade Commission’s (FTC) website here: https://www.consumer.ftc.gov/articles/0151-disputing-errors-credit-reports

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  1. Sign on to Online Banking and select "Bill Payer."
  2. Select "Popmoney."
  3. Read the welcome message and click "Continue."
  4. Select "Get Money." Enter your e-mail address, mobile number, or account information, the Secure Transaction Code you received, and click "Get Money."
You're done! The funds will be deposited into your account electronically.
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ACH payments are electronic payments that are created when the customer gives an originating institution, corporation, or other customer (originator) authorization to debit directly from the customer’s checking or saving account for the purpose of bill payment.
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Most U.S. checks and money orders are accepted through SCCU Mobile Deposit.
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Credit unions and banks both offer a range of financial services that can meet your business needs, but there's one important distinction: Credit unions are owned by its members. Instead of the executives guiding the institution, as it is at traditional banks, credit unions have an elected board of directors—who are also members of the credit union—that make sure your best interests are served.
 
Credit unions are also non-profit organizations, so their main focus is on providing ways for members to save money instead of on increasing profits. At SCCU, we invest in our membership, offering better rates on loans and valuable rewards that help our members save money. And, for our members' peace of mind and security, the National Credit Union Administration (NCUA) insures our account holders' deposits just as the FDIC does for traditional banks.
 

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Yes. Our deposit ATMs accept both cash and check deposits, plus no envelope is required. For convenience, you may mix together cash and checks in a single deposit.
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There are two ways to pay bills using SCCU Mobile.
  • You can transfer money between SCCU accounts in order to make a credit card or loan payment
  • You can use the SCCU Mobile Bill Payer service, available on the SCCU Mobile App or SCCU Mobile Web Browser (your billers will need to be setup using SCCU Online Banking prior to paying bills using this service)

Visit our SCCU Mobile page for more information.


 
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No, Card Controls is currently limited to smart phones and tablets as it requires the use of the Card Control app.
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You may purchase additional coverage during open enrollment, and you will receive notification of open enrollment by mail. If you would like to speak to Minnesota Life Insurance Company directly regarding coverage or to request information by mail, please call 877-607-4376.  
 
 
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Members must visit a local branch or contact the Member Service Center for assistance with making changes to the title of their loan. Fees may apply.

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Unlike a commercial mortgage for the purchase of an existing property, a commercial construction loan provides the funds you need for renovating your existing property or building a new one from the ground up. The commercial loan process involving construction often involves two loans: a short-term loan that finances the construction phase, and a long-term, permanent loan that's taken out after construction is completed. Usually, the long-term loan will pay off the initial short-term financing.

In general, a commercial construction loan does not provide the full amount of the loan up front, but has a draw schedule. You will work with your lender to create this schedule, which defines how funds will be released upon reaching certain milestones. These milestones are often tied to various points in the construction process when inspections are required, such as when plumbing or electrical systems have been installed. Once inspection is passed, the draw would be released. The full amount of the construction loan would be paid when the work associated with the milestone has been completed.
 
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To add an additional signer to an existing business account, you will need to have an updated signature card completed. We offer two options on how to complete this process.
1. Visit a local SCCU branch with your additional signer.
2. Call us from your home/office to speak with a Business Services Specialist who will assist in sending the
    documents electronically.
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To enroll in online banking, use the one-time Electronic Services Number (ESN) you received when you opened your business account. If you do not have this information please contact a business services associate.
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You have the right to get your credit report annually for free from the three nationwide credit reporting companies - Equifax, Experian, and Transunion. You may stagger your requests over a 12-month period to monitor your credit report for accuracy. The best way to order is to visit annualcreditreport.com. This site is approved by the Federal Government, and the FTC recommends you do not contact the individual bureaus. 

You may also call for a report at 1-877-322-8228, or mail requests to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
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In the Branch: Find your local branch location.

By Phone: Use Call-24 Bank by Phone Access (must have a Call-24 PIN) or speak with one of our Member Service Center representatives at 321-752-2222.

To set up a Call-24 PIN visit your local branch or speak with one of our Member Service Center representatives at the number above.

By Mail
8045 N. Wickham Rd.
Melbourne, FL 32941

Acceptable Forms of Payment Include:

  • Check (Personal, Business, On-Us, Teller Check, Money Order)
  • Debit Card
  • Cash and/or Transfer from SCCU Account
     
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The service transfers money from one of your accounts to another of your accounts at a US financial institution. All transfers are processed via the Federal Reserve's Automated Clearing House (ACH) network.

This network is used by financial institutions to process every day checks and other electronic transactions. We submit requests to the ACH network to transfer funds between the accounts you specify.
 
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It takes about 30 days from the time the enrollment form is received to process and issue the certificate of Insurance.
 
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“Same Day ACH debits” will enable you to make faster and easier on-time bill payments.
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Regulation D, a federal regulation, limits the amount of money you can withdraw from a savings or money market account. Withdrawals involving online banking, telephone banking, overdraft protection and pre-authorized transfers have no limitations at this time. As of April 24, 2020, the Federal Reserve Board temporarily suspended Reg D until further notice.
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Space Coast Credit Union offers a number of Member Protection products and services on auto loans. Limits apply on each type of coverage. Visit our coverage page for details.

• Auto Insurance coverage from TruStage Auto Insurance

• Extended Warranty service agreements that offers protection against mechanical breakdowns that occur after the manufacturer warranty expires.

• GAP coverage (Guaranteed Asset Protection) that provides protection if a vehicle is a total loss in an accident. This coverage typically covers the difference between what is owed on the loan and the value of the vehicle the insurance company is willing to pay if your vehicle is deemed a total loss. Limitations apply.

• Credit Life & Disability protects your family from consumer loan obligations if disability or tragedy occurs. Limitations apply.

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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 prior to applying - we can take care of your mortgage loan application and membership at the same time!

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The cost for checks can vary depending on the design and quantity you choose. 

You may order checks conveniently through your secure online banking account. Members may also call the Member Service Center, or visit any branch location to order.

IMPORTANT INFORMATION FOR ORDERING CHECKS:

  • You will need SCCU's Routing Number and your 13-digit electronic checking account number to accurately order your SCCU checks
  • SCCU's Routing Number is 263177903 and you may find your 13-digit electronic checking account number on your monthly statement
  • Please note that failure to use the correct numbers may result in delayed or denied payments


If you are re-ordering checks with no changes (same style, information, and shipping address as last order), please click here.

 

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There are no transaction limitations on your savings account at this time. As of April 24, 2020, the Federal Reserve Board temporarily suspended Reg D until further notice.
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Yes. Online Banking allows you to provide customized account access for additional users. For your protection, you can limit each user’s access, including what accounts they can see and what activities they can perform. You can also delete or edit their user profile at any time.
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No. Making an additional payment will not advance to the next payment due date. Any additional payment other than what is due will be applied towards the principal of the loan. 
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No. You must complete and return the enrollment form.
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SCCU offers Payment Protection, also known as Credit Life and Disability Insurance, on auto loans. This coverage can be added to the auto loan to ensure that the balance will be paid in full, or that the monthly payment will be made in the event of death or disability of a covered borrower(s). Limitations apply. See our coverage protection options for details.
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Yes we do! We offer an array of merchant services to help you run your business more smoothly. We have partnered with Banc Card and PayChex to offer our business members with cost effective, quality products that are easy to implement and manage. Call a Business Services Specialist or your Business Advisor to learn more.
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We offer GAP, Warranty, Life & Disability coverage on your loan.  Learn more about these Member Protection products today.
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You will see a Deposit Confirmation screen when your check deposit submission is confirmed. Please note that Mobile Deposits must be verified prior to posting to your account so some deposits may take up to 48 hours to post.

A successful mobile deposit will show as "SCCU Mobile Deposit" along with the dollar amount in your transaction history when the deposit posts to your account.
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Refinancing your current home loan—whether from SCCU or another lender— is quick and easy! You can apply online or over the phone with our Express Services Associates:

Mon-Fri, 8:00am-6:30pm; Sat, 9:00am-3:00pm
Brevard: 321-752-2222  |  Broward: 954-704-5000  |  Miami-Dade: 305-882-5000  |  
All Other Areas: 800-447-7228

Please visit our Mortgage Refinance page for information on refinance loans and options.

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If you're ready for a low-rate commercial vehicle loan from Space Coast Credit Union, here are the steps to take and the information you will need to provide.

First, call our local decision makers near you:
  • Brevard County: Call 321-752-2222
  • Broward County: Call 954-704-5000
  • Miami-Dade County: Call 305-882-5000
  • All other areas: Call 800-447-7228 toll-free

To apply for a business auto loan or business equipment loan:
  • Complete a Business Loan Application by calling our Express Sales team.
  • Provide a minimum of 2 years business and personal tax returns including all schedules
  • Provide a completed Personal Financial Statement for each owner of the business.
  • Provide a completed Business Debit Summary Schedule
  • You must have current Interim Business Financial Statements

If you finalize your loan at a branch location, all signers will need to be present with the appropriate documentation. If you have any questions, please contact us and we'll be glad to help!
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Some electronic transactions, such as checks converted to electronic processing and bill payments, will be processed multiple times throughout the business day. These transactions may not appear as a pending transaction prior to posting to your account. This faster processing may cause some electronic debit transactions to clear your account on the same day that you make the transaction.

Please ensure funds are available in your account prior to initiating debit transactions to avoid any insufficient funds activity that may occur due to the expedited processing of these transactions.
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SCCU debit and credit cards may withdraw up to $500 per day. For a full list of SCCU ATM and branch locations, please visit SCCU.com/Locations.
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This insurance supplements your other coverage plans. Your health insurance pays for medical procedures while Recuperative Care pays you a flat benefit amount which can be used for anything you choose.
 
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Your savings are federally insured up to $250,000 through the National Credit Union Administration (NCUA), a U.S. Government Agency.
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Please view our SCCU Fee Schedule for a list of current fees. Since the Person-to-Person Payment service is part of our SCCU Bill Payer service, you must enroll in SCCU Online Banking to send money through Person-to-Person Payments. SCCU Online Banking is free to all members.
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Yes, you can use the External Loan Payment service via your Online Banking access and the SCCU Mobile App.  If doing your payment via Online Banking or the Mobile App, you will need to have a valid email address listed in your account to use the External Loan Payment service.
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There are many important reasons a business owner should have a business bank account separate from his or her personal account, including:
  • Tax purposes: No matter what type of business you have—online, run from your home, or in a brick-and-mortar location—a business bank account will help simplify tracking expenses and income and make filing easier at tax time. With your business interest checking account at SCCU, you have fast online access to account records that can help at tax time as well.
  • Legal status: Mixing your personal and business financial activities may be a problem if you have a corporation or LLC and your business faces legal issues involving liability.
  • Convenience: Your SCCU Business Checking account includes free mobile and online banking, free online bill payment, and a free Business Visa ® Debit Card that save you time and make managing your company's money easier.
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SCCU will verify your account by making two small trial transactions in your account (one deposit and one withdrawal of a few cents) before activating the account.
  1. Account Verification is a one-time process for each account that confirms you are the owner of the account you are setting up. This is an important part of the account setup process that protects you from fraudulent activity in your account. You will need to follow the Account Activation process for each account you setup with an external financial institution.
  2. The Account Activation process starts immediately once you've submitted your financial institution information. Two small trial transactions are initiated by the External Transfers system. One will be a small deposit into your external account, the other a small withdrawal (a few pennies each) from the account. These transactions will be posted to the external financial institution account within 2-3 business days.
  3. Once you see these transactions occur within your external account, write down the exact amounts of each trial transaction.
  4. Logon to the External Transfers service through Online Banking and choose the "Manage Accounts" section.
  5. Click on Activate.
  6. Enter the exact trial deposit amount and the trial withdrawl amount and click "Submit." (Five cents would be entered as .05 --- Nine cents would be entered as .09)Your account is now activated.
  7. Repeat the process for any other accounts you've added.
  8. You may now begin transferring money to and from your SCCU accounts.
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Call toll free 1-877-309-6576, weekdays, 7:00 a.m. to 5:00 p.m. EST.
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If you have an account with SCCU or with another financial institution, you can set up a one-time or recurring payment in online banking or with the SCCU Mobile app.
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You may set up a recurring payment via Online Banking or the Mobile App. Please note that you may only use a bank account to make a recurring payment. A credit card cannot be used to make recurring payments.
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Business owners may be tempted to secure a personal loan to purchase or refinance a vehicle for business use, but there are several advantages to getting a business auto loan. Business loans of any type help you separate your personal finances from your business finances, which can be important when filing taxes. In addition, your personal liability may be limited if you have financial difficulties with your business loan. Lastly, a good record of repaying a business loan on time is an excellent path to establishing good business credit that you can use to grow and expand your business.
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Please limit deposits to no more than fifty items.
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You have a no-risk, 30-day guarantee so if you choose not to keep your insurance, just call toll free 1-877-629-6037 to cancel.
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Space Coast Credit Union requires Collision and Comprehensive coverage on all vehicle loans. The insurance deductible must be $1,000 or less. 
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According to the Federal Reserve, the US Prime Rate is a commonly used, short-term interest rate which US  lending institutions use as an index for setting their own interest rates. While the Federal Reserve has no direct role in setting the pirme rate, many lending institutions choose to set their prime rates based partly on the rate that banks charge each other for short-term loans, set by the Federal Open Market Committee. Click here to learn more.
 
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We have created an easy short code to represent SCCU when you text. SCCU's short code is 548-26. Send your text messages to this number. To help you remember your short code, simply add it to the address book in your mobile device like a short telephone number for Space Coast Credit Union.
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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  |  Broward: 954-704-5000  |  Miami-Dade: 305-882-5000  |  
All Other Areas: 800-447-7228
 

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The $5.00 in your savings account is the minimum balance established by the Board of Directors as the amount required in an active account and represents your share in the credit union. It is required to remain in your savings account until you close your membership.
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When an ACH debit is presented, the system looks at the balance of the account as well as any holds, due to pending debit card transactions or check holds, to determine if an item can be paid.
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Yes, you may pay more than your minimum amount due.
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No! Once access Card Controls within the SCCU Mobile app, all of your previous alerts, settings, and controls will automatically migrate. Please note, if you skip the popup message that offers to “Connect with CardValet,” you will need to add your alerts and controls manually.
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Establishing a business account has several important advantages, such as simplifying the tracking of income and expenses and making tax filing easier. When you open an SCCU business checking account for your LLC, sole proprietorship or any other type of business, you'll also have convenient and efficient ways to take care of your business finances, from free mobile banking to payroll solutions and merchant services.
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If you need a new or replacement credit or debit card, you can call our Member Service Center, visit any of our branches or submit a request via Online Banking.
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Refinancing your current home loan—whether from SCCU or another lender— is quick and easy! You can apply online or over the phone with our Express Services Associates:

Mon-Fri, 8:00am-6:30pm; Sat, 9:00am-3:00pm
Brevard: 321-752-2222  |  Broward: 954-704-5000  |  Miami-Dade: 305-882-5000  |  
All Other Areas: 800-447-7228

Please visit our Mortgage Refinance page for information on refinance loans and options.

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The period of repayment of a business equipment loan may range from as few as 24 months to seven years, 10 years, or an even longer term. Every equipment loan—and the financial institutions that offers business loans, such as heavy equipment financing companies—are different, with varying maximum loan amounts, interest rates, down payment requirements, business credit score requirements, and more.
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AD&D insurance has coverage levels to fit your budget,
from $10,000 to $300,000. Spouses and unmarried
children age 19 and under (under age 25 if full-time
students) may be insured under the family plan. If the
family plan is selected, spouses are insured for 50%,
dependent children are each insured for 20%.
Households without dependent children: spouse
coverage is 60%.
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  • The minimum amount per External Account Transfers transaction is $20.
  • External Account Transfer limits for each member are determined by the service provider after you have scheduled your first External Account Transfer.  Limits will vary.  For most accounts the maximum number of transactions is 3 per day, for a total maximum transaction amount per day of $2,500 and $5,000 per month.
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Space Coast Credit Union requires a letter from the State Department of Motor Vehicles (DMV) on DMV letterhead requesting the title be mailed to the DMV for registration purposes. This request must include your name and vehicle information (VIN, Year, and Make). This request can be mailed or faxed to Loan Servicing (fax 321-752-2304). When received, the title will be mailed to the DMV by certified mail.
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GAP stands for Guaranteed Asset Protection. This protects your loan if the vehicle is stolen or involved in an accident where it is a total loss and you have negative equity. GAP pays the difference on your loan if you are upside down.

Learn more about GAP coverage with SCCU.
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SCCU Mobile works with all major mobile providers in the US. The list includes, but is not restricted to:

Alltel Aliant
Centennial Cellular Corporation Cincinnati Bell
AT&T/Cingular Wireless Dobson Cellular Systems (AT&T Wireless)
CellSouth MTS Mobility
Nextel/Boost USA nTelos (Virginia PCS)
Rural Cellular Corporation SunCom
Telebec Sprint
T-Mobile (VoiceStream) US Cellular Corp
Verizon Wireless Virgin Mobile USA
 
 
 
 
 
 
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No. If a check is returned for insufficient funds, you may not re-deposit the check through SCCU Mobile Deposit. Please visit any SCCU Branch for additional assistance.    
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You can go to any dealership in Florida. If you choose to utilize a dealership out of the state of Florida, we must ensure that the dealership will accept our site draft.

If the dealership will not accept our site draft, then we will have to try to get an exception to issue you a check at the time of closing.  
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No. Payoffs are processed differently than payments, thus cannot be made via External Loan Payments.
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SCCU's Free Business Checking account has no minimum balance or minimum volume requirements, and no monthly fee, transaction limits or transaction fees. It also includes a free Business Visa® Debit Card and free online services such as mobile banking and bill payer. Our goal is to offer you the best free business checking account available!
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During business hours:
Immediately call SCCU's Member Service Center, visit any of our branches or send a secured message via Online Banking to report the problem. You can also access Card Controls in the Mobile Banking app to turn cards off/on to prevent additional transactions from occurring.
 
Brevard: 321-752-2222
Broward: 954-704-5000
Miami-Dade: 305-882-5000
All Other Areas: 800-447-7228
 
A team member will assist you. Your card will be blocked to prevent fraudulent activity. You will receive a new card within 8 calendar days. A team member will discuss any further action to be taken on your part, if that is applicable to your situation.

Please have the following information available:

• Name
• 16 Digit Card Number
• Social Security Number
• Member Number

If you are reporting a fraudulent transaction, please also provide the following information: 

• Type of transaction (debit or credit)
• Date of transaction(s)
• Merchant(s)
• Dollar Amount(s)
 
After business hours:
Call SCCU at your local number below, and choose Option 1 for Telephone Banking or the Member Service Center. Then, Option 0 for After Hours Card Support.

Brevard: 321-752-2222
Broward: 954-704-5000
Miami-Dade: 305-882-5000
All Other Areas: 800-447-7228
 
Please have the following information available:
• Name
• 16 Digit Card Number
• Social Security Number

Please note the following important information:
• Your call will be rerouted to After Hours Card Support.
• The only action that will be taken during an afterhours call is to block your card.
• Please contact SCCU during normal business hours as soon as possible after reporting your card problem, so that a team member can assist you with the additional actions necessary for your account.
Members with an Eastern Financial MasterCard® Credit Card or HELOC Platinum Visa® Credit Card
• To report a MasterCard Credit Card lost or stolen, or to report fraudulent activity, please call the MasterCard Credit Card Lost/Stolen System at: 866-839-3485.
• To report a HELOC Credit Card lost or stolen, or to report fraudulent activity, please call the Card Holder Services partner at: 800-449-7228.
Don’t forget to monitor your account for unauthorized activity, and report any suspicious transactions to SCCU.
• Log on to Online Banking any time to view current account activity. Don’t wait for your monthly statement.
• If you do not use Online Banking, carefully review your monthly statement and contact SCCU to report any suspicious activity.
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In addition to principal and interest, mortgage payments include amounts for annual payments of homeowner's insurance and property taxes. The anticipated annual insurance premium and tax bill amounts are divided equally by 12 payments. One-twelfth of the annual amount for each is included with your mortgage payment and held in an escrow account. When it's time to make the insurance and tax payments, SCCU makes the payments from this escrow account. Escrow will be evaluated each year, and your monthly amounts could increase or decrease, depending on what the actual annual payment amounts are.
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To apply for an SCCU business loan, your business will need to have been operating for at least 2 years.
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Space Coast Credit Union will request the Division of Motor Vehicles (DMV) to release the lien electronically on the 10th business day from the date your loan was paid off.

The DMV processes the request within 3 business days and mails a letter to the member explaining that the title will remain electronic unless the member requests to have a printed title.
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You have a no-risk, 30-day guarantee so if you
choose not to keep your insurance, just call toll free
1-877-309-6576 to cancel.
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FHA mortgage insurance provides mortgage lenders like Space Coast Credit Union with protection against losses as the result of homeowners not being able to pay (or defaulting) on their mortgage loans. The mortgage lenders bear less risk because FHA will pay a claim to the lender in the event of a homeowner's default. Loans must meet certain requirements established by FHA to qualify for insurance.

Since Space Coast Credit Union is a member-owned financial cooperative, it is important that we provide services to a wide range of members while protecting the interests of the cooperative as a whole. FHA mortgage insurance allows Space Coast Credit Union to be the Florida mortgage lender of choice for potential and current homeowners during every stage of life.

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Popmoney, a complimentary service similar to Zelle, allows members to safely and securely send next-day payments to others through their SCCU Checking Account. SCCU's Person-to-Person payment service is the easy way to send money to anyone. All you need is their mobile phone number, email address, or account information (routing and account number) to send them money electronically, no matter where they bank in the United States.
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Visa Account Updater provides participating merchants with your updated card number and expiration date for established reoccurring payments. This complimentary member benefit provides peace of mind knowing you won’t have to update each account with a reoccurring payment if your card is reissued due to expiration or if your card is lost or stolen. To opt-out of Visa Account Updater, please send us a Secure Message in Online Banking or call 800-447-7228.
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Online Banking will only show the minimum payment due by the due date. Partial payments will not change what the fixed minimum amount is.
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The deposit will show in your history after the item has been reviewed and approved. Keep the check at least 45 days and then destroy it or void and file it.
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Yes. You may set up a recurring payment via Online Banking or the Mobile App. Please note that you may only use a bank account to make a recurring payment.
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During business hours:
Immediately call SCCU's Member Service Center, visit any of our branches or send a secured message via Online Banking to report the problem. You can also access Card Controls in the Mobile Banking app to turn cards off/on to prevent additional transactions from occurring.
 
Brevard: 321-752-2222
Broward: 954-704-5000
Miami-Dade: 305-882-5000
All Other Areas: 800-447-7228
 
A team member will assist you. Your card will be blocked to prevent fraudulent activity. You will receive a new card within 8 calendar days. A team member will discuss any further action to be taken on your part, if that is applicable to your situation.

Please have the following information available:

• Name
• 16 Digit Card Number
• Social Security Number
• Member Number

If you are reporting a fraudulent transaction, please also provide the following information: 

• Type of transaction (debit or credit)
• Date of transaction(s)
• Merchant(s)
• Dollar Amount(s)
 
After business hours:
Call SCCU at your local number below, and choose Option 1 for Telephone Banking or the Member Service Center. Then, Option 0 for After Hours Card Support.

Brevard: 321-752-2222
Broward: 954-704-5000
Miami-Dade: 305-882-5000
All Other Areas: 800-447-7228
 
Please have the following information available:
• Name
• 16 Digit Card Number
• Social Security Number

Please note the following important information:
• Your call will be rerouted to After Hours Card Support.
• The only action that will be taken during an afterhours call is to block your card.
• Please contact SCCU during normal business hours as soon as possible after reporting your card problem, so that a team member can assist you with the additional actions necessary for your account.
Members with an Eastern Financial MasterCard® Credit Card or HELOC Platinum Visa® Credit Card
• To report a MasterCard Credit Card lost or stolen, or to report fraudulent activity, please call the MasterCard Credit Card Lost/Stolen System at: 866-839-3485.
• To report a HELOC Credit Card lost or stolen, or to report fraudulent activity, please call the Card Holder Services partner at: 800-449-7228.
Don’t forget to monitor your account for unauthorized activity, and report any suspicious transactions to SCCU.
• Log on to Online Banking any time to view current account activity. Don’t wait for your monthly statement.
• If you do not use Online Banking, carefully review your monthly statement and contact SCCU to report any suspicious activity.
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At a glance, all financial institutions may seem alike, but there are important differences that can make a difference to the success of your business. Look for a financial institution that offers comprehensive services for your business and small business experts who can help you run your business more efficiently. When looking for a bank or credit union for your business accounts, here are a few things to consider:
  • Community-based institutions are likely to have extensive knowledge of local market conditions that can affect businesses such as yours.
  • Smaller regional institutions often give business owners personal access to lenders with local decision-making authority. This can mean faster loan approvals.
  • Member-owned institutions such as credit unions are not-for-profit, so they return profits back to members in the form of lower borrowing rates and better savings rates. Such savings can go right to your company's bottom line.
  • For the greatest value to your business, look for an institution that has a dedicated business services team that offers consultation services. Ideally, this advice should be available at no cost to you.
  • Choose an institution that has convenient branch locations if you prefer to do your banking in person, and that has a complete range of online services that allow you to take care of transactions and access your records from anywhere, at any time.
  • Look for an institution that will not only have what you need right now, such as a small business checking account, but also what you may need as your business grows, such as a vehicle loan or commercial real estate loan. Viewing your association with a financial institution as a long-term partnership can help you choose the one that's right for your business.
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Whether you're looking for a business auto loan, commercial truck financing, or even a loan for business equipment, you should look at your choice of a lender as a strategic business decision. The best commercial vehicle loan is the one that supports your business success with competitive interest rates and terms that work for you. Your lender should have an understanding of your type of business and its challenges, and be able to expertly guide you through all of your options. A low rate, such as you can get with an SCCU business loan, is important, but consider the benefits that a long-term business relationship can offer. Look for a lender with a range of business services that can help your company grow.
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All vehicle titles are electronic on loans originated after 9/20/06 with the exception of the following:

• Out of State titles

• SCCU refinances without name changes

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The accidental death and dismemberment benefit covers the eligible member in the event of loss of life, limb, sight, speech or hearing due to a covered accident. At age 70, the amount of the accidental death benefit reduces to 50%. 
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The Federal Housing Administration, generally known as "FHA", provides mortgage insurance on loans made by FHA-approved lenders like Space Coast Credit Union throughout the United States and its territories. FHA insures mortgages on single family and multi-family homes, including manufactured homes and hospitals. The Federal Housing Administration is the largest insurer of mortgages in the world, insuring over 34 million properties since its inception in 1934.

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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.
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Yes, you may view your current statement and at least 24 months of past account statements.
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No. You may use a bank account or debit card to make your loan payment.
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Space Coast Credit Union does not charge a fee for paying an auto loan off early.  
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Your ability to secure a commercial vehicle loan for your brand-new business will depend on several factors, including whether you have good personal credit and the amount you want to borrow. In many cases, you may need at least 12 months of business history in order to get a commercial vehicle loan. For information on the business auto loan options that may available to you, SCCU's Business Advisors will be glad to help.
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As a not-for-profit, member-owned credit union, we return profits to members like you in many ways, including low-cost or free services. Your business account includes these services at no cost to you:
  • Free Business Visa ® Debit Card
  • Free online banking
  • Free mobile banking
  • Free Online Bill Payer
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The insurance deductible must be $1,000 or less. 
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There is no charge for members to use SCCU Mobile when depositing to an eligible personal checking or savings account.  Standard fees for returned checks will apply.
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Yes. You have the ability to cancel or edit your payments.
1. Choose Bill Pay from the menu options
2. Click Scheduled Payments
3. Choose the scheduled payment you want to delete or edit
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Yes, if the business does not accept contactless payments, you can still swipe or insert your contactless card, just like any other Visa card.
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Yes, all points will have a 3 year expiration date.
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You can make principal payments through Online & Mobile Banking, and by visiting your local branch. You can pay more than your minimum payment and any amount beyond that will be applied toward the principal. Principal-only payments are not available. 
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An auto loan pre-approval is good for 30 days. After this time, you will need to contact SCCU to extend the application.
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Some business vehicle leases offer advantages such as no down payment requirement and the option to turn in the vehicle to lease a more recent model, but they may also come with mileage limits and other restrictions. You may have the option at the end of the lease to buy the leased vehicle at a price equal to its residual value; a loan, however, results in full ownership of the vehicle when you finish paying the amount loaned.

Buying a commercial vehicle may also allow you to qualify for depreciation tax deductions and once the vehicle loan is fully paid, your business will own the car or truck and it will be a business asset. Whether buying or leasing a vehicle is right for your company will depend on how long you plan to keep the vehicle, how many miles you expect the vehicle to be driven each year, and other factors.
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Your vehicle is one of your biggest investments. An Extended Warranty service agreement offers protection against mechanical breakdowns that occur after the manufacturer warranty expire, allowing you to further protect your investment. Limitations apply. Learn more about our Extneded Warranty protection.
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Business interest checking, is a checking account that's designed specifically for use by companies and other organizations and that bears interest on the balance kept in the account. At Space Coast Credit Union, our Business Interest Checking account is just one of the ways we customize our services to the needs of your business to help improve the cash flow that's critical to your success.
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Yes. You can use your Visa contactless card where Visa is accepted by tapping it at a contactless-enabled terminal where they see the Contactless Symbol, inserting the card into an EMV chip terminal, or swiping it in a magnetic stripe terminal.
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If you have an account with SCCU or with another financial institution, you can set up a one-time or recurring payment in online banking or with the SCCU Mobile app.
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Make your auto payment online or by the SCCU Mobile app. You can set up a one-time or recurring payment from an account at SCCU or through another financial institution. You can also use our automated SCCU Bill Payment System, available 24 hours a day. Have your loan and member number available.
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View our Loan Documentation Check List, for details on what information is needed to apply and close on an SCCU business loan. When you are ready, contact one of our Business Services Specialist to get started.

Brevard: 321-752-2222
Broward: 954-704-5000
Miami-Dade: 305-882-5000
All Other Areas: 800-447-7228
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Go shopping! Once you find the vehicle, we will need the dealer to fax the Buyer's Order to us. Once we receive this document, you can visit the SCCU branch of your choice to sign the paperwork. Please visit the  Auto Loan page for more information about the process for our auto loan pre-approvals. 
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When you don't have time to get to your local SCCU branch, your branch comes to you! These are just some of the online self-service features that come with your SCCU Business Interest Checking account:
  • Pay bills with SCCU's Online Bill Payer service—make one-time payments or schedule recurring payments, and pay any business or individual
  • Transfer funds between SCCU accounts, such as paying your SCCU business loans by transferring payments from your business checking
  • Make balance inquiries at any time of day, any day of the year
  • View up to 90 days of cleared checks
  • View and print your account tax forms
  • View an electronic version of your paper account statements
  • View, print or save up to five years of account statements
Your SCCU Business Checking account also offers you customizable online banking alerts that notify you of several types of account activity, including check clearings, balance limits, debit or credit card purchases, account withdrawals, direct deposits and balance limits.

 
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Almost anyone. SCCU members must be enrolled in SCCU Online Banking in order to use SCCU Mobile. If you are not currently an SCCU Online Banking user, you will first need to enroll for this free service by visiting SCCU.com and clicking on "Enroll in Online Banking" near the login area at the top right of your screen.
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Yes. To update your Security Questions, log into Online Banking and navigate to the Settings Menu. Select User Profile and then Setup Security Profile. Here, you will be able to choose your three Security Questions and Answers. 
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Yes. You may add direct deposit to your Savings Account. The account format required for direct deposit appears on your monthly statement. You may also obtain this information in person by visiting your local branch or by contacting Member Services directly.
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Yes! Space Coast Credit Union is proud to offer absolutely free checking with no monthly fees, no minimum balance, no transaction fees, no direct deposit requirement, free statements, and more.

Learn more about SCCU Free Checking here.
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You will earn points for every dollar spent:  3 points for grocery, 2 points on dining and 1 point for all other purchases, no exclusions. Online merchants such as Instacart, Bitesquad, Doordash, etc. are also included in the program to accrue points.
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Our Member Service Center agents can transfer you to the External Loan Payments automated phone system to make loan payments.  You will need your loan account number and payment method information.
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Your vehicle is one of your biggest investments. An Extended Warranty service agreement offers protection against mechanical breakdowns that occur after the manufacturer warranty expire, allowing you to further protect your investment. Limitations apply. Learn more about our Extneded Warranty protection.
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You may submit to SCCU, in writing, a letter stating that you wish to cancel your GAP protection. If you cancel within the first 60 days of coverage, you are entitled to a full refund of the premium. After 60 days of coverage, you will receive no refund of premium paid. 
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Space Coast Credit Union offers your business flexible terms and great rates on commercial vehicle financing for cars, vans, trucks, and many other types of commercial vehicles. Whether you're looking to finance a vehicle or refinance a vehicle your business already has, we have options for you. SCCU can also help you with financing for equipment, including specialized machinery and heavy equipment.

Our Business Advisors are here to answer your questions about the best commercial vehicle loan or business equipment loan for your business. Be sure to ask about our full range of business loans, including real estate financing, business credit cards and much more.
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At SCCU, you enjoy a range of benefits with our Business Interest Checking account, not only as a business owner but also as a member of a credit union. Here are just some of the reasons SCCU is the bank with the best business checking account:
  • Your account earns interest at competitive rates
  • There are no fees when your balance stays above $4,500
  • There are no transaction limits (a combination of items deposited and checks or transfers cleared from your account)
  • Your account includes a free Business Visa® Debit Card
  • You have the convenience of free online banking, mobile banking, and bill payer services
  • You have free access to expert advice and consultation services from our team of experienced Business Advisors
We also offer a range of essential business and merchant services to help you run your business. These include:
 
  • The SCCU payroll and time management platform: Simple solutions to make payroll processing easier, such as in-house check printing and comprehensive reporting, with 24/7 support by e-mail, chat, or phone
  • Merchant services: Cost-effective merchant processing that allows your customers to pay you with a debit or credit card and turns your mobile device into a terminal that accepts a range of card types
  • Remote deposit capture services: A fast, convenient way to securely deposit customer checks electronically to your SCCU Business Interest Checking account, saving you trips to the branch location
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No, Billers can only be created within Space Coast Credit Union Online Banking. Billers may not be set-up, added, or removed from within SCCU Mobile Bill Payer.  In order to add or modify a Bill Payer Biller, please login to SCCU Online Banking, select Bill Payer, and then complete the addition or modification of Billers.  Billers set-up within SCCU Online Banking will automatically display as available from within SCCU Mobile Bill Payer.
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Yes, you can disable access permanently or temporarily at any time.
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A pre-approval letter is a document that will show the dealership that you have received contingent funding for the vehicle you choose.

This document will include the maximum allowed by our underwriting department to be financed, as well as the instructions of how to complete the loan process.

While most dealerships won't ask for one, we are happy to provide these on request. 
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To obtain a copy of your credit card dislcosures, please call our Member Service Center.
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Yes. As long as the loan is still accepting payments, you may use this service.
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We know how important it is for business owners to save as much time as possible, so we make opening a business checking account easy. Review our Account Documentation Checklist to see what you'll need to open your account and call us to get started. If you prefer, you may also stop by any one of our 59 locations throughout Florida.
  • Brevard: 321-752-2222
  • Broward: 954-704-5000
  • Miami-Dade: 305-882-7228
  • All other areas: 800-447-7228
 
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Space Coast Credit Union will purchase Collateral Protection Insurance (also know as Forced Placed Insurance) and add the premium to the balance of your auto loan. Collateral Protection Insurance is insurance that protects the property (vehicle). This insurance does not replace insurance coverage for drivers required by law.
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When you're ready to build your own office building, expand or renovate one you currently own, your local credit union may be your best choice for financing. Not only is a credit union likely to have very competitive interest rates on commercial real estate loans or commercial construction loans, but they also will usually have extensive knowledge of economic conditions in your local area. At Space Coast Credit Union, we understand the local marketplace and focus on giving our business members the loan products, terms and interest rates they need to make their businesses a success. We can help you grow your business with great rates and local decision makers for prompt loan approval.
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You can deposit multiple checks in the same SCCU Mobile session; however you may only photograph and submit one check per deposit at a time.
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Absolutely! A full range of online self-service options are available for our members who have either our Free Business Checking or Business Interest Checking accounts. These include:
  • Online Bill Payer: No need to write checks and mail them, or stand in line taking care of your banking in person. Our Online Bill Payer System lets you pay business or individuals right from your SCCU Free Business Checking or Business Interest Checking account. You can quickly make one-time payments or schedule recurring payments, and keep track of your payments in one convenient place.
  • View online statements: You can view, print or save electronic versions of your paper account statements.
  • Tax forms: Access, view and print your account tax forms.
  • Balance inquiries: Check on your account balance any time of day or night.
  • Transfer funds from one SCCU account to another: Transfer payments to your SCCU business loans right from your business checking or savings account.
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Yes, you may review activity logs to see what your designated users are doing.
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To use CardValet, now Card Controls, within the SCCU Mobile app for the first time, make sure you have the most current SCCU Mobile app downloaded.

Open the SCCU Mobile app and select Card Controls from the Menu, then tap the cards icon to download and launch the SCCU Card Control app.

Simply login and your settings will automatically transfer.

That’s it! Now you can control and monitor your SCCU Visa usage within the SCCU Mobile app.
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To schedule automated payments, such as External Loan Payments, visit Online Banking on your desktop or the SCCU mobile app. You may also schedule the payments over the phone by using our automated telephone banking system.
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We work hard to meet all of your scheduling needs. We can typically close a loan faster if all parties are present at the same time, but it is possible to continue with the loan closing if only one party is present. Please discuss any scheduling issues with your Express Services Associate.
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No, SCCU Mobile Deposits cannot be used to initially fund a new account.    
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You can setup any account with the External Account Transfers service if you are able to prove ownership or control over the account.
 
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You can withrdaw funds before maturation, but a penalty may be assessed for early withdrawal. Fees may reduce the earnings on the CD Account.
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No, you do not have to be a member to apply for an auto loan. Should you qualify for a loan, we will process your auto loan application and membership application together during that time. 
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No, ODP does not automatically cover ATM and one-time debit card transactions. New federal banking regulations that took effect on August 15, 2010 that requires us to obtain your authorization to opt-in before we can provide ODP coverage on ATM and one-time debit card transactions.

Click here for more information.
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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.
 
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To view and redeem your Visa Signature Rewards, members must log into Online Banking.
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To control and monitor your card usage with Card Controls, you will need to download the SCCU Mobile app from your preferred app store and enroll in Online Banking, if you haven’t done so already.

Next, open the SCCU Mobile app and select Card Controls from the Menu, then tap the cards icon to download and launch the SCCU Card Control app.

Follow the prompts to add your SCCU debit and credit cards.

That’s it! Now you can control and monitor your SCCU Visa usage within the SCCU Mobile App.
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The vehicle inspection form can be taken and the inspection can be done at an authorized dealer, police station, insurance agent, or another financial institution.

A business card of the person doing the inspection will need to be attached to the form when brought back to the branch.

The loan will be issued upon receipt of the inspection form.  
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The online transfer service allows you to transfer funds between your SCCU accounts. This service can be used to make payments if both accounts are linked to the same membership.

The Bill Pay service allows you to make payments and manage your monthly bills using your SCCU accounts.

The External Loan Payment service allows you to pay your SCCU loans using funds from another institution.
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No, SCCU Mobile Bill Payer is only supported by using the SCCU Mobile Web Browser and SCCU Mobile App options. SCCU Mobile Text/SMS Banking does not support Bill Payer payments.
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No, you will need a check number to place a stop payment using Online Banking. Please contact Member Services for stop payments to electronic transactions.
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You can activate your card by calling 1-888-314-6005.
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The insurance deductible must be $1,000 or less. 
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No, a dealer draft will be issued as payment. The draft is an envelope with titling instructions inside that the dealer must adhere to in order to receive payment.  
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No, please do not share your account credentials with anyone. Primary Users can create a username and password specific to a Secondary User by logging into Online Banking, navigating to Settings, Secondary Users, and clicking Add User. At this page, you will be promted to fill in the required information for the Secondary User. You can even change a Secondary User's status from Active to Disabled or Locked.
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If you have pending transactions, these will be displayed in your Online Banking once posted.
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If you try to access the standalone CardValet app after entering your credentials into the SCCU Mobile app, you will see a popup message reading, “Connect with CardValet.” At this time, you may delete the CardValet standalone app.
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Each state charges a fee to add, remove, or change the lien holder, or to add or remove a person's name on the title.
  • In the state of Florida, if only the lien holder is being changed and no other changes are being made, the fee is $74.75.
  • If a person is being added or removed from the title, then the fee is $86.30.
These fees apply only if you are doing a refinance for another financial institution or refinancing your SCCU loan to complete title changes. If you are purchasing from a dealer, these fees will be included in the buyer's order and are not collected by SCCU. 
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Typically, an auto loan is refinanced for the term remaining on your current loan. We will work with you to refinance the term that best works for you.
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No, SCCU does not charge a fee for using SCCU mobile banking services or downloading our mobile app. However, you should check with your wireless carrier, as message, data, and text messaging rates for your mobile device may apply from your carrier.
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During normal business hours:

To initiate a dispute or fraud claim, you may visit any local branch, contact our Member Service Center or complete the dispute form located in Online Banking. To view the form in Online Banking, you must log in, click Contact Us, then Secured Forms and choose the appropriate form.

After Business Hours:

If you experience potential fraud on your account afterhours, you can contact us at your local number below, and choose Option 1 for Telephone Banking or the Member Service Center. Then, Option 0 for After Hours Card Support. A representative will assist you with verifying potential fraudulent transactions on your account and blocking your card immediately.

You will need to contact SCCU during normal business hours to request a replacement debit or credit card as well as to file a dispute or fraud claim. You can either contact us at your local number below or complete the required forms in Online Banking. To view the form in Online Banking, you must log in, click Contact Us, then Secured Forms and choose the appropriate form.

Brevard: 321-752-2222
Broward: 954-704-5000
Miami-Dade: 305-882-5000
All Other Areas: 800-447-7228
 
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If you need a new or replacement credit or debit card, you can call our Member Service Center, visit any of our branches or submit a request via Online Banking.
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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.
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If you accidentally delete the Card Control companion app, you will need to download it again because having the app is the only way you can access CardValet in SCCU’s Mobile Banking app.
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You are not obligated to the loan if you decide not to purchase a vehicle. Please contact SCCU to cancel the application.  
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2Way Text Fraud Alerts help to protect you by immediately alerting you of a possible fraudulent transaction on your card through text. Through this service you can respond to potential threats in real time by texting back YES to verify the transaction or NO to confirm the transaction as fraudulent behavior. This will allow you and SCCU to take quicker action to prevent further fraudulent activity on your account. 
 
This feature is in addition to our current fraud alerts program. Now you will receive real time alerts three different ways - email, phone, and text.  
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A third party signer, also known as an Owner of Collateral other than the borrower, is a person that is listed on the title and is not financially responsible for the auto loan.

He or she is acknowledging that they are part owner of the vehicle and accepts the fact that there will be a lien placed on the title.

While this person is not financially responsible for the auto loan, SCCU has a responsibility to notify them in the event of repossession. 
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Yes, your credit is pulled and reviewed in order to provide an auto loan pre-approval. 
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You may change Address/Telephone Number under the Additional Services Tab once you have logged in to SCCU's Online Banking. Follow the prompts as indicated.
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If you forgot your debit card PIN number or want to change it, contact 888-314-6005 and follow the prompts to reset it.
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Your points will display when you log on to the rewards site via Online Banking.
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To send a wire from your SCCU account, you may visit a branch location, submit a wire request form through your online banking account, or if you are sending the wire to yourself within the USA you may call in your wiring instructions. For international wires we request you visit a branch location.
 
You will need to be able to provide us with the following information:
 
  • The receiving financial institutions name, address, and routing/ ABA number. For international wires a SWIFT/ BIC code is needed.  Note: Corresponding bank information may be needed for international wires if the bank cannot accept wires directly. Please confirm this information with the receiving financial institution.
  • The name of the person/ business, address and account number you are sending the funds to, as well as the type of account the funds are going into such as checking or saving. For international wires the account number may be called an IBAN.
  • Your full 12-13 digit account number, the account you would like to process the wire out of and the amount for the wire. For international wires please clarify what currency should be received. 
Our cut off time for same day transmission is to have received the wire request before 3PM. Otherwise the wire may be received the following business day, this depends on the receiving financial institution. Wires are processed in between 8 am and 6 PM on Monday through Friday.
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An electronic title is an electronic version of the original paper title and is stored with the Department of Motor Vehicles (DMV). All vehicle titles are electronic on loans originated after 9/20/06 with the exception of the following:

• Out of State titles

• SCCU refinances without name changes

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FreeMSG SPACE COAST CU Fraud Center
877-XXX-XXXX $125.46 on card 1234 at
Macy’s. If valid reply YES, fraud NO. To Opt
Out, STOP.
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To update your login information, log into Online Banking and navigate to the Settings Menu. Select User Profile and choose to update your username and/or password.
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You will need to apply for another card product and if qualified, you can either transfer the existing balance on your current card at the new interest rate or if there is no remaining balance on the existing card, it can be closed.  
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If you want to use the CardValet standalone app in the future, you will have the option to register as a new user.
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An Extended Warranty is a service agreement that offers protection against mechanical breakdowns that occur after the manufacturer warranty expires.  

Learn more about Extended Warranty coverage with SCCU.
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Yes. View Scheduled Payments SCCU Mobile Bill Payer payments by selecting Scheduled Payments from the Bill Payer section. All scheduled payment(s) within the next 30 days are displayed. By selecting a scheduled payment you can display the details. From this page, you can view the Biller, the transaction amount, the account from which the bill will be paid, the pay date, and a reference ID.    
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Auto loan rates and terms are affected by your credit quality, model year, term selected, and loan-to-value (LTV) ratio. Our usual credit critera will apply in determining your rate, which may be different than advertised rates. See our current auto loan rates.
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On the Payees tab. Click on the payee name and the payee details will open. The number located in the days to deliver section will tell you the delivery method.
1-2 Days: Electronic payment
4-5 Days: Check payment
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During business hours:
Immediately call SCCU's Member Service Center, visit any of our branches or send a secured message via Online Banking to report the problem. You can also access Card Controls in the Mobile Banking app to turn cards off/on to prevent additional transactions from occurring.
 
Brevard: 321-752-2222
Broward: 954-704-5000
Miami-Dade: 305-882-5000
All Other Areas: 800-447-7228
 
A team member will assist you. Your card will be blocked to prevent fraudulent activity. You will receive a new card within 8 calendar days. A team member will discuss any further action to be taken on your part, if that is applicable to your situation.

Please have the following information available:

• Name
• 16 Digit Card Number
• Social Security Number
• Member Number

If you are reporting a fraudulent transaction, please also provide the following information: 

• Type of transaction (debit or credit)
• Date of transaction(s)
• Merchant(s)
• Dollar Amount(s)
 
After business hours:
Call SCCU at your local number below, and choose Option 1 for Telephone Banking or the Member Service Center. Then, Option 0 for After Hours Card Support.

Brevard: 321-752-2222
Broward: 954-704-5000
Miami-Dade: 305-882-5000
All Other Areas: 800-447-7228
 
Please have the following information available:
• Name
• 16 Digit Card Number
• Social Security Number

Please note the following important information:
• Your call will be rerouted to After Hours Card Support.
• The only action that will be taken during an afterhours call is to block your card.
• Please contact SCCU during normal business hours as soon as possible after reporting your card problem, so that a team member can assist you with the additional actions necessary for your account.
Members with an Eastern Financial MasterCard® Credit Card or HELOC Platinum Visa® Credit Card
• To report a MasterCard Credit Card lost or stolen, or to report fraudulent activity, please call the MasterCard Credit Card Lost/Stolen System at: 866-839-3485.
• To report a HELOC Credit Card lost or stolen, or to report fraudulent activity, please call the Card Holder Services partner at: 800-449-7228.
Don’t forget to monitor your account for unauthorized activity, and report any suspicious transactions to SCCU.
• Log on to Online Banking any time to view current account activity. Don’t wait for your monthly statement.
• If you do not use Online Banking, carefully review your monthly statement and contact SCCU to report any suspicious activity.
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Safe deposit box cost varies depending on size. View our current Fee Schedule for fees and sizes.


 
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Credit card transactions processed outside of the country are assessed a 1% conversion rate in addition to a $2.50 fee for non-SCCU ATM’s.
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Card Controls is a complimentary benefit provided by Space Coast Credit Union for credit and debit card holders. Card Controls, accessed in the SCCU Mobile app. lets you control your Visa card and how it’s used. You can set up alerts based on spending limits, location restrictions, merchant types and more. You may also turn your card on and off if it is lost, temporarily misplaced or you suspect fraudulent activity. However, you should still contact us during regular business hours if you detect any suspicious transactions.
 
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GAP stands for Guaranteed Asset Protection. This protects your loan if the vehicle is stolen or involved in an accident where it is a total loss and you have negative equity. GAP pays the difference on your loan if you are upside down.

Learn more about GAP coverage with SCCU.
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Our team will review the entire loan application to determine how much of a down payment, if necessary, is required as a down payment in order to fund your auto loan. 
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You will need to ensure that you are using the most up-to-date SCCU Mobile app available in order to use SCCU Mobile Deposit. Download the latest free app from your device's app store. You must also read and accept the SCCU Mobile Deposit Terms & Conditions in order to use this service.
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You can transfer funds from savings to checking through Online Banking, CALL-24, at a branch location, or through the Member Service Center.
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When you write a check, pay a bill, or have a scheduled automatic payment:
  1. If funds are not available and you've exhausted your other overdraft resources, Overdraft Privilege (ODP) will allow your transaction to be paid up to your limit (for qualified checking accounts*)
  2. You will be covered by Overdraft Privilege and charged $30 per item
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Dividends are calculated using daily balance method and are posted on the last day of each month. The daily balance method calculates dividends on the balance in that account after all transactions and deposits have posted.
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The Visa Low Rate card is perfect for members that typically carry a revolving balance or are eager to pay off existing credit card debt. With a low rate, free balance transfers and no cash advance fees, we make it easy for members to pay down debt.
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An electronic title is an electronic version of the original paper title and is stored with the Department of Motor Vehicles (DMV). All vehicle titles are electronic on loans originated after 9/20/06 with the exception of the following:

• Out of State titles

• SCCU refinances without name changes

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Auto loans are set up for automatic payment when they are opened.

Payments are made without the need to write a check or schedule a transfer. Automatic Payment offers the satisfaction of knowing payments are made without the stress of possible late fees. 
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Yes. During the Mobile Deposit process, you will be required to photograph the front and back of your check.    
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You can complete this type of transfer at any branch location, or you can request cross account set up thru Online Banking and CALL-24.

Use our External Account Transfers service to transfer funds to another financial institution.

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Overdraft Privilege is a non-contractual service which allows qualified accounts to go negative in order to pay an item. Automatic Overdraft Transfer Service is a contractual agreement which transfers funds from another account you have at the credit union in order to pay an item.
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If requested we will issue you a Debit Card (ATM Card) with ATM withdrawel capabilities only and access only to your Savings account.
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The Visa Signature card has an exclusive rewards program, lower- variable rates and includes all of our existing FREE credit card features: Card Controls, Contactless, Visa Zero Liability and 2Way Fraud Text Alerts.
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We work hard to meet all of your scheduling needs. We can typically close a loan faster if all parties are present at the same time, but it is possible to continue with the loan closing if only one party is present. Please discuss any scheduling issues with your Express Services Associate.
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No, SCCU Mobile Bill Payer does not currently support e-Bills. Please access this feature through SCCU Online Banking.    
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To update your contact information, log into Online Banking and navigate to the Settings Menu. Select User Profile and Contact Information. Here, you can change your Address, Phone Number, and Email Address.
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2Way Text Fraud Alerts help to protect you by immediately alerting you of a possible fraudulent transaction on your card through text. Through this service you can respond to potential threats in real time by texting back YES to verify the transaction or NO to confirm the transaction as fraudulent behavior. This will allow you and SCCU to take quicker action to prevent further fraudulent activity on your account. 
 
This feature is in addition to our current fraud alerts program. Now you will receive real time alerts three different ways - email, phone, and text.  
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A third party signer, also known as an Owner of Collateral other than the borrower, is a person that is listed on the title and is not financially responsible for the auto loan.

He or she is acknowledging that they are part owner of the vehicle and accepts the fact that there will be a lien placed on the title.

While this person is not financially responsible for the auto loan, SCCU has a responsibility to notify them in the event of repossession. 
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Absolutely! We've built some helpful shortcuts into SCCU's Mobile Text/SMS service so you can easily access your account information quickly, securely and when you need it most.

The account nicknames used below are for this example only ("CHK1=checking" and " SAV1=savings"). You will use the nicknames you established for your accounts.

Simply text Space Coast Credit Union at 46940 with text commands to view account balances, transfer funds quickly and easily, and find nearby branch and ATM locations.

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By enrolling in the “Transaction Alert” you will be notified whenever a transaction is posted on your account, helping you monitor all activities as they happen.
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In order to avoid paying interest, the statement balance is due on the 25th of each month. The minimum payment amount is due by the last calendar day of the month to avoid incurring any late fees.
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You will need the following pieces of information to register your cards with Card Controls through the SCCU Mobile app:
  • Your SCCU card number (including expiration date and CVV/CVC code)
  • Address (including zip code)
  • Security code sent to email associated with your SCCU account
  • If you don't have a registered email, then the last 4 digits of the primary cardholder’s Social Security Number (SSN) will be required
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You may request a debit or credit card for a joint signer on the account. We do not provide authorized signors on any accounts.
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To get started with External Account Transfers within SCCU Online Banking:
  1. Login to Online Banking. Not enrolled? Enroll here.
  2. Choose the "Bill Payer" tab and then "External Account Transfers" from the menu.
  3. Follow the directions to start setting up your accounts
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Yes, once you receive your card in the mail and activate it, you may process a cash advance using the transfer option in Online Banking, by contacting our Member Service Center during normal business hours or by visiting any of our branch locations. We are unable to process a cash advance if you do not have an active credit card on file.
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If you're locked out of your Online Banking Account, usually after three failed login attempts, you can regain access by clicking Unlock Account and Reset Password within the error message immediately after you're access is denied.

If you naviate away from this screen, or want to try to regain access at a later time, you can simply select Forgot Password when you try to login again. 

If you didn't get the link or need additional assistance, you may call our Member Service Center or Chat Live with an SCCU Team Member.

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Endorse your check for SCCU Mobile Deposit using your phone exactly as you would if depositing at a Space Coast Credit Union Branch or ATM.    
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ODP is not a loan. The credit union allows you to overdraw your account up to your ODP limit as a non-contractual courtesy. This service can be withdrawn at any time by the credit union.
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Follow these easy steps:
  • Log into online banking
  • Select “Alerts” at the top of the page
  • Select which alert(s) you want to subscribe
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The majority of all mobile devices in the U.S now support text messages, so the chances are good that your mobile device is capable of sending and receiving messages.

To find out for certain, try looking under the messaging options menu on your mobile device, or contact your mobile service provider.

Please note, you may also want to confirm if your mobile service provider charges for text messaging as message and data rates may apply. Text message frequency depends on your SCCU Mobile user settings.
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When you make purchases on your Space Coast Credit Union Visa Platinum Credit Card you will start earning Cash Back Rewards.  Keep in mind Cash Advances, Balance Transfers, Payments, Adjustments, All Fees and Returns do not earn Cash Back Rewards. View Terms & Conditions here.
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To enroll in SCCU's free Online Banking service:

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Contactless payments use short-range wireless technology to securely complete payments between a contactless-enabled card or payment-enabled device and a contactless-enabled terminal. A Visa contactless card is a chip card that has a near field communication (NFC) antenna, which enables close-range payments. When cardholders tap to pay their contactless card at a contactless-enabled terminal (near the Contactless Symbol), their payment is sent for authorization.
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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
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You can apply for a credit limit increase with Express Services. 
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You must be enrolled in SCCU free Online Banking service and have the free SCCU Mobile App installed on your phone in order to use SCCU Mobile Deposit:
  • Launch the SCCU Mobile App on your mobile device, log in, and select Mobile Deposit
  • Take a picture of the front of the check
  • Take a picture of the back of the check
  • Select the account to receive the deposit
  • Enter the exact check amount and select "Deposit"
  • Review the Mobile Deposit and select "Confirm" to submit
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  1. The service typically takes 2 to 3 days to complete a credit or debit transaction through the ACH network for total turnaround time of 3 to 5 days for account to account transfer.
  2. The External Transfers service generates email notifications to let you know the status of the your transfer, and also alerts you if there is some activity that you did not initiate, helping to prevent any fraud. Please make sure your email address is correct and current.
  3. Click on "Create Transfer" under "Transfer Funds."
    1. You can choose to make a one-time transfer, or schedule a recurring transfer between your SCCU checking and savings accounts and your linked external account.
    2. Enter your transfer amount, select a "From" and "To" account, choose when you would like the transfer to occur and click "Submit."
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When the bill payments sent as paper checks clear your account you will see a five digit check number on the withdrawal. You may cross reference the dollar amount with recent bill payments in your Payment History within the Pay Bills tab online. Seven to ten days after the check clears, the check copy should also be available for your reference. You may contact member services if you need additional assistance.
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Your member number is assigned to you when you join Space Coast Credit Union. It’s used to represent your relationship with us and can be found at the top of your statement, which can be accessed through Online Banking. You may also contact our Member Service Center for assistance.
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All of your eligible Space Coast Credit Union accounts will be set-up automatically for you and will appear within the "External Account Transfers" tab inside Bill Payer within SCCU Online Banking.

The full External Transfers account setup and activation process takes 5-7 business days before you are able to make transfers, so SCCU encourages you to setup multiple financial institutions at the same time.

Each time you want to add a linked external account from another financial institution, just follow these simple steps.
  1. Enter the routing number of the other financial institution where you would like to send or receive funds
  2. Select the credit union/bank where you hold the account
  3. Enter the Account Number, Account Type, Name on Account, and click Submit
  4. An email will be sent to your address on file to let you know that the account was setup
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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
Broward: 954-704-5000
Miami-Dade: 305-882-5000
All Other Areas: 800-447-7228
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.
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You can report fraud on your card by calling the Member Service Center at 1-800-447-7228 or by sending a secure message through Online Banking.
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Cross Account Transfers give you the ability to make transfer deposits to another SCCU account number via Online Banking or CALL–24. The possibilities are endless!

  • Transfer money to a spouse's or child's account
  • Have a child away at college? Cross Account Transfers allow you to transfer money to his/her account to help cover expenses.
  • You may transfer to any suffix in the “to” account-checking, savings, credit cards, and loans.

Only the primary or joint account holder on the “from” account may request a Cross Account Transfer.

To Set Up Cross Account Transfers:

  1. Visit any branch or call the Member Service Center. To protect your account, Cross Account Transfers cannot be set up online.
  2. Once your information has been verified, an Associate will complete the process, which allows you to now make transfer deposits to another SCCU account.

To Complete a Cross Account Transfer using CALL–24:

  • Log in using the “from” account number and Account Access Code.
  • Select the option for Transfers and Withdrawals (option 2), and then Select the prompt to transfer from your savings or checking to the savings or checking of another account number (option 4).
  • Enter the suffix you wish to transfer from, along with the suffix you wish to transfer to, and the transfer amount. Complete the request until you hear a confirmation that your transfer has taken place.

To Complete a Cross Account Transfer using Online Banking:

  • Log in using the “from” account username and password, and select the “Transfers” tab.
  • Select the suffix you wish to transfer from. The “Transfer To” box will list all of the available accounts and suffixes to transfer to. Select the desired account and suffix and select “Verify Transfer Funds”.
  • Complete the request until you receive a confirmation that your transfer has taken place.
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The cost for checks can vary depending on the design and quantity you choose. View our online check order page for more information.
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Online Banking provides check images for up to 9 months. You may request check images for up to 5 years by contacting the Member Service Center. A fee may apply; view our current Fee Schedule for information.
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You will need SCCU's Routing Number and your 13-digit electronic checking account number to accurately order your SCCU checks. SCCU's Routing Number is 263177903 and you may find your 13-digit electronic checking account number on your monthly 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. 
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The interest rate (dividends) are tiered based on the balance in your interest bearing account. Saving accounts and Interest Checking interest is earned based on your daily balance and dividends are declared at the end of each month based on the earnings for that month.
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Within Online Banking you have access to the last 2 years of statements to view. You may request copies of statements up to 5 years by contacting the Member Service Center.
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2Way Text Fraud Alerts help to protect you by immediately alerting you of a possible fraudulent transaction on your card through text. Through this service you can respond to potential threats in real time by texting back YES to verify the transaction or NO to confirm the transaction as fraudulent behavior. This will allow you and SCCU to take quicker action to prevent further fraudulent activity on your account. 
 
This feature is in addition to our current fraud alerts program. Now you will receive real time alerts three different ways - email, phone, and text.  
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You may open a savings account with just $10. $5 of your opening deposit is applied towards your one time membership fee.
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Payments take one business day once the recipient is registered with the Person-to-Person network. The initial payment can take up to four business days after enrollment.

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Visa Platinum cardholders earn 1% cash back on all credit card purchases.
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If you own an iPhone or Android smartphone you can download the mobile banking app or launcher right from your device's app store. Current mobile app users will need to complete a one-time user verification to select a new password. This can be completed on either a desktop computer or mobile device, and would only be required once. Users not currently enrolled will click on the “enroll” option after downloading the mobile app.
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It usually takes 3 business days on a Standard service. The specifics will depend in part upon the time you initiated the transfer, your previous transfer history with the service, amount of transfer, and perhaps in part upon how quickly your institution updates your account after receiving the money. Full details regarding your funds transfer requests are viewable on the Completed Transfer Status screen.

Standard: 3 Business day service
  • Day 0: Transfer has been accepted. A withdrawal transaction is initiated and will be sent to the Fed Network.
  • Day 1: Withdrawal transaction is posted on the source account.
  • Day 2: A standard two business day hold to ensure the funds availability.
  • Day 3: Funds are sent to the destination account and will be made available at opening of next business day.

Please note that a bad transaction history or no transaction history with the service may result in an additional one day hold on transfers resulting in 4 business day service.
 
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Popmoney, a complimentary service similar to Zelle, allows members to safely and securely send next-day payments to others through their SCCU Checking Account.
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The maximum amount you're allowed to send is listed next to the 'Amount' field within Person-to-Person Payments. This amount is reduced each time you send a payment and then reset on a rolling seven day period. For example, if your maximum amount is $1,000 and you send $100 to someone, your maximum amount changes to $900 for the day. When your maximum amount reaches $0, you cannot send money until it resets.

Note: Next day payments to other Person-to-Person Payments users are limited to $500 per day. The next day limit can vary based on the user.
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The funds on your savings account will be released within 30 days from the day you opened your unsecured credit card account. 
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SCCU’s Check Hold Policy includes $225 next day availability. Most accounts will have a 2-day hold, with the exception of accounts in their first 30 days, which have a 5-day hold. Longer holds or reduced same day availability may apply.
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You may access your safe deposit box anytime during normal branch lobby hours. 
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SCCU Mobile Deposit works by using the camera on your phone to capture an image of the check. The image is processed the same way as making a deposit at a branch or at an ATM. None of the check images are stored on your phone, so you can rest assured that it is secure. Your check image is transmitted for processing and verification. Once approved, the money is deposited to your account!
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IT’S FREE! SCCU’s online banking is a free service provided to all SCCU Members.
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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.
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You can make up to 25 deposits per day, up to 50 deposits per week and no more than 100 deposits each month.
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Account setup and activation is a one time process for each account you set up with the service.
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A CD is a Certificate of Deposit held in a taxable account.  An IRA CD is a Certificate of Deposit held within a tax deferred account (IRA).  The difference falls in the type of account the CD is held in, taxable versus tax derred.

 
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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
Broward: 954-704-5000
Miami-Dade: 305-882-5000
All Other Areas: 800-447-7228

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SCCU Mobile requires a secure login for access.  No one is able to access your account information without knowing your unique username and password.  We also use multiple security layers, including data encryption to protect information sent and received.  For added security, SCCU Mobile never transmits or stores any confidential data, including check images, on member devices and ensures that all private information sent shields personal details.
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It will be effective immediately when placed.
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As a credit union, you must establish a savings account with a $5.00 minimum, as it represents your share in Space Coast Credit Union. It is required to remain in your savings account until you close your membership.
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You will see a Deposit Confirmation screen when your check deposit submission is confirmed. Please note that prior to posting to your account, Mobile Deposits must be verified which can take up to 2 business days.  A successful mobile deposit will show in Mobile and Online Banking as "SCCU Mobile Deposit" along with the dollar amount in your transaction history when the deposit posts to your account. 
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You will receive an email notice each month when your statement is ready for viewing. Statements are available by the 4th day of the month.