Congrats on your home!
SCCU's here to support you every step of the way
Your home is one of the most important investments you will ever make. Whether you're purchasing a new home, building, or refinancing your current one, we're here for you every step of the way. Here are some helpful tips and useful information to help assist you along the way.
You'll receive an email and monthly eStatement sent to you with your loan details and payment information. Need Online Banking assistance? Check out our Online FAQs or Chat Live with a Team Member.
Loan Payment Options
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Pay Online at SCCU.com: Enroll in Online Banking and manage your SCCU accounts from anywhere. With your loan information and member number, you can enroll in Online Banking and download the SCCU Mobile app. |
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Mobile Wallet Loan Payments: Add your SCCU Home Loan to your Apple Wallet app or Google Pay app (GPay), and make one-time loan payments securely and conveniently through your mobile wallet. |
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Pay by Phone: Call (800) 447-7228 and follow the prompts. You will need your member and loan numbers to make a payment. |
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Pay at an SCCU Branch: To locate your nearest branch, please visit SCCU.com/Locations. |
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Mail Your Payment (include your loan number):
Space Coast Credit Union
P.O. Box 419001 Melbourne, FL 32941-9001 |
Partial Payments
All partial payments received will be held in a separate suspense account until we receive the full payment. We will then apply the total amount to your mortgage. Please keep in mind if there are fees or past amounts owed on your loan, we will collect those from your payment first.
Important Escrow Reminders
If your taxes and insurance payments are included in your mortgage payment (escrowed), then we have informed your insurance agent to send your invoices to SCCU for payment. We will also pay your property taxes annually, and all payments will go directly to your county tax collector's office.
Annual changes to your monthly payments are necessary to cover increases or decreases in your homeowner's insurance and property taxes. That's why an annual escrow analysis is performed to determine if your monthly escrow payment needs to be adjusted.
You will receive an Escrow Analysis Statement providing you a breakdown of the analysis and your new payment amount. If your payment changes, the new payment will take effect within two months of the statement date.
Homeowners Insurance
SCCU has been added as a lienholder to your homeowners insurance policy. If you decide to change insurance agents or have a policy adjustment, please contact a Team Member so we can make proper updates to your account.
Lienholder
Space Coast Credit Union ISAOA/ATIMA
PO Box 3220
Carmel, IN 46082
Statement Preference
You can access your eStatement through Online Banking by clicking on the 'View Statements and Notices' tab under Quick Links.
An email notification will be sent to your email address we have on file letting you know when your eStatement is available each month.
You can update your statement preference anytime! Simply follow the steps below to choose your preference:
- Log into Online Banking or the SCCU Mobile app
- On the top, click your name (tap Menu on the app)
- Next, click Profile then Statement Preference
Homeownership Sweet Homeownership
