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Owners’ Manual

Welcome to SCCU Membership!

With your new account, you became a member of SCCU. As a member-owned co-op, we offer a wide range of financial products and services to our members—from home and auto loans, to lines of credit and credit cards, and a variety of savings and checking account types.

We’re here to meet your changing financial needs; so look to us when you plan to make monetary decisions. Use this Owners’ Manual page to explore your options, and download the PDF to read more.

Download Your Owners' Manual

Get the Most Out of Your Membership

Banking when and where you want it - online, mobile and in person.

 

Getting Started with Your Loans and Accounts 

Need help accessing and/or paying your new loan? We can help! Click on the links below to answer some our most frequently-asked questions.
And while you’re here, check out the many other products and services SCCU members enjoy.
 


Auto, Motorcycle, RV and Boat Loans


 

Need Help with Your Existing Loan?

Members can make their home loan payments in one of four ways:
 
Pay Online: Enroll in online banking and manage your SCCU accounts from anywhere. Our online and mobile solutions are convenient, secure, and free! With your loan information and member number, you can enroll in online banking and download the SCCU Mobile app.
 
Pay by Phone: Call (800) 447-7228 and follow the prompts. You will need your member and loan number to make a payment.
 
Pay at the Branch: To locate your nearest branch, please visit SCCU.com/Locations.
 
Pay by Mail: Please send your payment to the address below and please be sure to include your loan number.

Space Coast Credit Union
P.O. Box 419001
Melbourne, FL 32941-9001

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.

Space Coast Credit Union does not charge a fee for paying an auto loan off early.

Space Coast Credit Union requires Collision and Comprehensive coverage on all vehicle loans. The insurance deductible must be $1,000 or less.


Mortgage and Home Equity Loans


 

Need Help with Your Existing Loan?

Members can make their home loan payments in one of four ways:
 
Pay Online: Enroll in online banking and manage your SCCU accounts from anywhere. Our online and mobile solutions are convenient, secure, and free! With your loan information and member number, you can enroll in online banking and download the SCCU Mobile app.
 
Pay by Phone: Call (800) 447-7228 and follow the prompts. You will need your member and loan number to make a payment.
 
Pay at the Branch: To locate your nearest branch, please visit SCCU.com/Locations.
 
Pay by Mail: Please send your payment to the address below and please be sure to include your loan number.

Space Coast Credit Union
P.O. Box 419001
Melbourne, FL 32941-9001

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

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.

Yes! Our flexible Home Equity loan options give you the ability to choose the funds you need, when you need them. Learn more here.


Checking and Savings Accounts


 

Need Help with Your Existing Account?  

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

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.

Your member number and account number(s) can be found on your statement either in Online Banking or if you receive paper statements. If you’re having trouble finding either of these numbers, you may contact our Member Service Center.

Adding a direct deposit to your Checking account is easy with the SCCU Switch Kit! Our Switch Kit includes a downloadable direct deposit form for you to complete. For reference, the SCCU routing number is 263177903.