Everything
Orlando Needs
and More

The Credit Union Difference

As a credit union, we’re owned by our members, not by shareholders. Our focus is on providing value back to you, not on generating profit for outside investors.

What this means for you:

• Better Rates: We return our earnings to members through more competitive rates on savings and loans.
• Fewer Fees: Enjoy less stress with minimal to no fees on your accounts.
• People-First Service: Our decisions are guided by your financial well-being.

Learn More About Credit Unions

East Orlando, your Watchdog is on the move. Two new locations are coming this fall. We’re proud to grow where you grow. Updates coming soon.

• Waterford Lakes 12301 Lake Underhill Road, Unit 128–130 Orlando, FL 32828
• Avalon Park 425 S. Avalon Park Blvd. Orlando, FL 32828
• Find An Existing Branch

We've made becoming a Member a simple, step-by-step process. We're here to help you choose the account that fits your needs and guide you the rest of the way.

Get Started Online

We're here to help you find the right place for your money. Whether you're just starting to save or managing your everyday spending, our Credit Union has a trusted product that's right for you.

• Savings Accounts: Our Share Savings account is the foundation of your membership, requiring just a $5 minimum balance. We also offer Youth Savings to help our younger Members build strong financial habits and Money Market accounts to help Members with higher balances earn more.

• Specialty Savings Accounts: We can help you save for what matters most. Our Christmas Club makes it easy to save for the holidays, while My Way Savings lets you open up to 10 personalized accounts for your unique goals. You can also grow your savings automatically with our Saving Cents round-up program or lock in a guaranteed return with a Certificate of Deposit (CD).

• Checking Accounts: Our accounts are built for flexibility and ease. Our Free Checking is a simple, straightforward option with no minimum balance to worry about after opening. You can also put your money to work with Interest Checking, help a young adult learn to manage their money with Student Checking, or save for medical expenses tax-free with a Health Savings Account (HSA).

Explore Our Deposit Accounts

My Way Savings

Personalize your savings for what matters most. Create up to 10 separate accounts, each with its own unique nickname and purpose.

• No Minimum Balance: Start saving with any amount.
• No Monthly Fees: Your money stays your money.
• Up to 10 Personalized Accounts: Organize your goals for vacations, emergency funds, major purchases, and more.

It's smart saving, your way.

Your Money is Safe With Us

We provide security and peace of mind for your savings. All SCCU deposit accounts are federally insured by the National Credit Union Administration (NCUA), an independent agency of the United States government.

• Insurance Provider: National Credit Union Administration (NCUA)
• Coverage Amount: Up to $250,000
• Coverage Basis: Per individual member

We offer a range of Visa® credit cards designed to fit our Members' specific needs. Because we're your financial watchdog, you can trust our cards have clear terms and competitive rates with no hidden fees. Whether you're looking for great rewards, a low interest rate, or a card to help build your credit, we have a trusted product that's right for you.

Compare Our Visa® Credit Cards

We're here to hand you the keys to your next vehicle. We offer simple, competitive loans for new and used cars, as well as for motorcycles, RVs, and boats. If you're looking to get a better rate on your current auto loan, our straightforward refinancing process is designed to help our Members save money.

View Auto Loan Rates

We believe owning a home should be a dream within reach, and our friendly team is here to guide you through the process with empathy and understanding. We offer a range of trusted mortgage products to fit your situation, including Fixed-Rate and Adjustable-Rate Mortgages, VA, FHA, and Hero Loans, as well as Home Equity Lines of Credit (HELOCs). We'll help you find the one that's right for you.

Visit Our Mortgage Center

Your business is a vital part of our community, and we’re committed to helping it succeed. As your cooperative financial partner, we provide a full range of honest, straightforward products to help you manage your day-to-day operations and plan for the future.

• Checking & Savings: We offer a Free Business Checking account with no monthly fees or minimum balance requirements, as well as Commercial Checking for businesses with higher transaction volumes. You can also earn more on your balances with our Business Share Savings, Money Market, and CD accounts.

• Financing & Loans: When you need funding, we're here to help. Our financing solutions include Business Auto Loans, Commercial Real Estate Loans, and flexible Business Lines of Credit.

• Business Services: We also provide services to make managing your business easier, including Merchant Services for processing customer payments and Payroll Services to help you manage your team's compensation.

Explore All Business Banking Solutions