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Savings Accounts

Always Great Rates on Your Savings!

Whether you want to save for a specific purchase, create a rainy day fund, or set aside funds for the future, we can help you put a savings plan into action. Our savings choices offer a variety of ways to earn on your deposits, and access your money when you need it.

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  • Free Statements

Your SCCU Savings Account establishes your membership in the credit union and unlocks your benefits!

Earn higher yields while allowing your funds to remain liquid.

Receive monthly dividends while you save for a special occasion or purchase with a My Way Savings account.

SCCU’s Saving Cents account helps you save while you spend.

A Youth Savings account encourages children to develop healthy saving habits.

Make your holiday shopping less stressful by saving with a Christmas Club Savings Account all year long.

Regular Savings
A Regular Savings is required for membership and makes saving easy, flexible and convenient.
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Money Market
Money Markets earn higher interest and provide convenience with unlimited deposits and access to your money.
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My Way Savings
Save for that special occasion with an account you can nickname, and earn monthly dividends to reach your savings goals.
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SCCU Saving Cents
SCCU’s Saving Cents account helps you save while you spend.
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Youth Savings
Teach your children healthy savings habits with our no-fee savings account
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Christmas Club Savings
Save throughout the year and earn dividends, then on October 31 get your money to shop for the holidays.
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Minimum opening deposit
Minimum opening deposit

$5

Minimum opening deposit

$2,500

Minimum opening deposit

$0

Minimum opening deposit

None

Minimum opening deposit

$5

Minimum opening deposit

$5

Transaction limit
Transaction limit

None

Transaction limit

None

Transaction limit

None

Transaction limit
N/A
Transaction limit

None

Transaction limit

Unlimited deposits; no withdrawals; funds are automatically transferred into your Savings account on October 31.

Earns interest
Earns interest

Yes

Earns interest

Yes

Earns interest

Yes

Earns interest

Yes

Earns interest

Yes

Earns interest

Yes

Minimum daily balance
Minimum daily balance

$5

Minimum daily balance

$2,500

Minimum daily balance

None

Minimum daily balance
N/A
Minimum daily balance

None

Minimum daily balance

None

Monthly low balance fee
Monthly low balance fee

None

Monthly low balance fee

$15

Monthly low balance fee

None

Monthly low balance fee

None

Monthly low balance fee

None

Monthly low balance fee

None

Monthly service fee
Monthly service fee

None

Monthly service fee

None

Monthly service fee

None

Monthly service fee

None

Monthly service fee

None

Monthly service fee

None

Requires an adult joint account holder
Requires an adult joint account holder

No

Requires an adult joint account holder

No

Requires an adult joint account holder

No

Requires an adult joint account holder

No

Requires an adult joint account holder

Yes

Requires an adult joint account holder

No

Round-up frequency
Round-up frequency
N/A
Round-up frequency
N/A
Round-up frequency
N/A
Round-up frequency

Daily

Round-up frequency
N/A
Round-up frequency
N/A
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Frequently Asked Questions

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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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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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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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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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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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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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.

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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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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