Your path to home ownership and more affordable mortgage financing starts with Space Coast Credit Union. Our mortgage and home equity loan options protect your interests with a full range of options for your individual needs. Great mortgage rates and home equity loan rates, local decisions, and convenient application options make it easy to get the home loan you need from the credit union you can trust.

Types of Mortgage and Home Equity Loans

Product Name Benefits Features Recommended If
Mortgage Purchase Loans We offer a variety of mortgage options for your home purchase. From conventional 15- and 30-year term fixed rate home loans to jumbo loans and specialty mortgage loans, our home financing options include a fast application and closing process. Learn More
  • Low mortgage rates
  • No application fee
  • Exclusive interest rate guarantee1
  • On-time mortgage closing guarantee2
  • Mortgage Rates
You are buying your first home, or your next home, and want to get pre-qualified or apply for a purchase loan.APPLY NOW
Mortgage Refinance Loans Refinance your loan with us and lower your rate for a more affordable monthly mortgage payment, or explore options for paying off your mortgage sooner. We can help you find a loan that fits your needs. Learn More
  • No application fee
  • Low mortgage rates
  • Fast application process
  • Exclusive interest rate guarantee1
  • Mortgage Rates
You want to lower your mortgage rate or payment, or pay off your loan sooner. APPLY NOW
Fixed Rate Home Equity Loans (Second Mortgages)
  • 4.1/5
Finance a major purchase or consolidate debt with a second mortgage loan that features interest rates and loan payments that never change. Learn More
  • No pre-payment penalties
  • Low rates
  • Fast application process
  • Mortgage Rates
You want an equity loan that provides all of the money at once and features fixed monthly payments. APPLY NOW
Home Equity Line of Credit Loans (HELOCs)
  • 4.7/5
This flexible loan option allows you to borrow what you need, when you need it. Use funds for recurring costs like home remodeling projects or college tuition.  HELOCs are also an excellent choice for emergency preparedness funds.
Learn More

  • Various terms and rates available
  • No application fee
  • Most loans close in 7 - 14 days
  • Mortgage Rates
You plan to use money periodically over time and want to only pay interest on the amount of money you've used.

All SCCU Mortgage and Home Equity Loans Feature

Apply for a Mortgage or Home Equity Loan online, or Call Express Sales today.

Brevard: 321-752-2222 option 3
Broward: 954-704-5000 option 3
Miami-Dade: 305-882-5000 option 3
All Other Areas: 800-447-7228 option 3

1Interest Rate Guarantee: If your SCCU quoted rate is lower at 12:00pm five days prior to closing and the interest rate lock-in has not expired, SCCU will reduce your rate to the lower rate automatically. Rate guarantee is void if there is a change in property, loan program, loan term, or adjustments to interest rate based on credit score. Other conditions apply, contact SCCU for details.
2On-Time Closing Guarantee: Space Coast Credit Union (SCCU) will close your client’s loan within 30 days from the date our application is signed (or date specified in the purchase contract, whichever is greater), or the borrower will receive $1,000 in the form of a closing cost credit. Closing Guarantee applies to conventional purchase loans where the loan to value (LTV) is 90% or less. Closing Guarantee does not apply to jumbo loans, FHA loans, construction loans, short sale purchases, refinances, or commercial mortgages. Additional restrictions apply.

  • SCCU Routing Number: 263177903

Space Coast Credit Union membership is open to all who work or live in Brevard, Broward, Flagler, Indian River, Martin, Miami-Dade, Monroe, Orange, Osceola, Palm Beach, Seminole, St. Johns, St. Lucie, or Volusia Counties in Florida.
*APR = Annual Percentage Rate. ^APY = Annual Percentage Yield.

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

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Member Rewards

Member Rewards is an exclusive Space Coast Credit Union program that provides benefits such as free or discounted services based on your level of participation in the credit union.

  • Gold members may order one FREE box of SCCU logo checks per year.
  • Platinum members may order unlimited FREE boxes of SCCU Exclusive Style checks (one box at a time).
Learn more about the Member Rewards program.