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Interest Checking

Get more from your checking account

Get the best of both worlds with SCCU’s Interest Checking. You’ll enjoy unlimited access to your funds while earning interest on your money. SCCU offers competitive rates, lower fees, direct deposits up to two days early42, and the convenience you deserve!

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Product Features

Terms & Fees
Minimum opening deposit


Minimum daily balance


Monthly low balance fee


Requires an adult joint account holder


Earns Interest


Monthly service fee


Free Visa® Debit Card


Interest Checking Account Interest Rates

Effective Date: May 01, 2024
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Balance Interest Rate APY^
$0 - $4,999.99 0.15% 0.15%
$5,000 - $49,999.99 0.25% 0.25%
$50,000 and over 0.30% 0.30%

Minimum average daily balance required for some accounts. Rates are accurate as of the effective date displayed, and they are subject to change. The APY (Annual Percentage Yield) is a percentage rate that reflects the total amount of interest paid on the account, based on the interest rate and the frequency of compounding for a 365-day period. Fees may reduce earnings on the account.

Frequently Asked Questions

Yes. Your SCCU accounts are federally insured by the National Credit Union Administration (NCUA) up to $250,000.

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Yes! Wherever you are, you can access your SCCU accounts online anytime. We offer two convenient ways to manage your money: Online Banking and Mobile Banking.

Online Banking with SCCU saves you a trip to the branch and lets you take care of these tasks (and more) when it's convenient for you:
• Monitor your account balances
• Pay bills with Online Bill Payer
• Transfer funds from one of your SCCU accounts to another
• View your personal FICO® credit score for free
• Order checks and stop check payments
• Report a lost or stolen debit or credit card
• Receive alerts on account activities such as withdrawals, check clearings, balance limits, debit or credit card purchases, and more

SCCU's free, full-featured Mobile Banking60 gives you secure access to your bank accounts. With your mobile device or phone, Mobile Banking allows you to:

• Check the balances on your accounts
• See your balances without having to log in
• View your account history
• Pay bills
• Find SCCU branches and ATMs
• Transfer money between your SCCU accounts
• Set email or text alerts for deposit confirmation, your daily checking balance, posted transactions, low balance, posted account fees, and more

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SCCU membership is open to anyone who lives or works in one of the Florida counties we serve. Visit and enter the zip code of your home or work to locate a branch near you.

To get started, you will need to open a Share Savings Account, our primary account that establishes you as a Space Coast Credit Union member for life. A $5 deposit (or share) is all that's needed for access to a full range of benefits.

With your Social Security number and driver's license handy, you can choose from three convenient ways to open your new account:

• Complete an online application
• Visit any Space Coast Credit Union branch location
• Call our dedicated Express Sales team at:

o Brevard County: 321-752-2222
o Broward County: 954-704-5000
o Miami-Dade County: 305-882-5000
o All other areas: 800-447-7228

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At SCCU, we want to make managing your money as simple as possible, so we offer convenient online account opening services. To begin the account opening process, please have the Social Security numbers and U.S. mailing addresses available for each account owner.

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We have a range of checking accounts designed to help you conveniently manage your money and reach your financial goals, including Free Checking, Student Checking, and Health Savings Checking. SCCU also offers Free Business Checking, and Business Interest Checking to help you run your business.

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Each type of account has its advantages, so for many people, the answer is yes. An interest checking account is an excellent strategy for earning some interest on money to which you want to have easy access, while the money in a savings account is typically meant to remain in the account without frequent withdrawals. When comparing the two types of accounts, consider your own saving and spending goals and the account features that are most important to you. At SCCU, we offer several types of savings accounts to choose from, including our Share Savings Account (which is the primary account needed to establish your credit union membership), plus Interest Checking. Contact us if you'd like more information about the advantages of these accounts.

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In addition to allowing you to earn interest on the money in your account, your Interest Checking Account also offers:
• A free Visa® Debit Card with fraud protection and unlimited transactions
• Unlimited teller withdrawals
• Unlimited check writing
• No direct deposit requirement
• Online Banking and Mobile Banking
• Online statements and account alerts
• Free ATM transactions at any of SCCU's convenient locations
• Available overdraft services

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An interest checking account combines two popular features in one account: Your money is just as accessible as it would be in a traditional, non-interest bearing account, and you earn interest on the money in your account. Interest checking is a good place to keep cash that you expect to spend in the short-term. At SCCU, you can use the funds from your Interest Checking Account just as you would use funds from your SCCU Free Checking Account.

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Both of these checking accounts can be opened with a $25 minimum deposit, but the SCCU Free Checking Account does not have a minimum daily balance requirement. Our Interest Checking Account requires a low minimum daily balance of $1,500. The monthly balance fee on your Interest Checking Account is $15, which is waived if the minimum daily balance is met.

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Before you compare high-interest checking accounts, it's helpful to understand what most of these types of accounts have in common. Most financial institutions will require you to maintain a certain minimum balance in order to avoid fees, and many will require you to sign up for direct deposit and/or make a specified number of monthly debit transactions.

When looking for an interest checking account, interest rates and required minimum balances are important, but you should also compare other features, such as whether the financial institution offers a free debit card, online banking and mobile banking capabilities, free ATM transactions, overdraft services and other conveniences. At SCCU, our Interest Checking Account has no direct deposit requirement, easy online account access with mobile banking and online banking, and free e-statements. To learn more about Interest Checking, call our Express Sales team:

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

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