Space Coast Credit Union
Headquarters
8045 N Wickham Rd
Melbourne, FL 32940
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Phone 1-321-752-2222
2024 Overview
General Credit Union Information
Space Coast is an NCUA insured institution located in Melbourne, FL. It was founded in 1951 and has approximately $8946.06 millions in assets.
Who Can Join?
Membership in Space Coast Credit Union is open to all who work or live in Brevard, Broward, Clay, Duval, Flagler, Indian River, Martin, Miami-Dade, Monroe, Nassau, Orange, Osceola, Palm Beach, Seminole, St. Johns, St. Lucie, or Volusia Counties in Florida.
There is a minimum of $10 to open a Savings Account (required by the credit union), $5 of which will apply to your one-time membership fee. A minimum of $25 is required to open a Checking Account.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 67297 |
| Date Established | 1951 |
| Assets | $8,946.06 million |
| Loans | $7,384.37 million |
| Deposits | $6,814.47 million |
| Capital | $895.27 million |
Field of Membership Restrictions
Membership in Space Coast Credit Union is open to those who live or work in Brevard, Flagler, Broward, Indian River, Miami-Dade, Martin, Orange, Monroe, Osceola, Palm Beach, Seminole, St. Johns, St. Lucie, or Volusia Counties in Florida.
Deposit Rates - April 18, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| SCCU Saving Cents Account
|
2.27% | $0 | $25,000 |
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|
| SAV
|
0.04% | $1 | - |
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|
| SCCU Saving Cents Account
|
1.26% | $25,000 | - |
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|
|
Money Market
|
1.00% | $2,500 | $9,999 |
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|
|
Money Market
|
1.11% | $25,000 | $49,999 |
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|
|
Money Market
|
1.21% | $100,000 | $249,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
3.07% | $500 | - |
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|
| 12 Mo CD
|
3.29% | $500 | - |
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|
| 13 Month Special
|
3.80% | $500 | - |
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|
| 18 Mo CD
|
3.91% | $500 | - |
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|
| 23 Month Special
|
4.32% | $500 | - |
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|
| 24 Mo CD
|
3.80% | $500 | - |
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|
| 30 Mo CD
|
3.70% | $500 | - |
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|
| 36 Mo CD
|
3.55% | $500 | - |
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|
| 48 Mo CD
|
3.55% | $500 | - |
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|
| 60 Mo CD
|
3.55% | $500 | - |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| INTCK
|
0.15% | $0 | $4,999 | Learn More |
| Checking Rates | APY | MIN | FEE | |
|---|---|---|---|---|
| Interest Checking | 0.08% | $1,500 | $15.00 | Learn More |
| Free Checking | 0.00% | $0 | $0.00 | Learn More |
Loan Rates - April 18, 2024
Your Current Location: Ohio, OH 43085
| Refinance Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Conforming See Amortization Table |
6.99% | 6.75% | $2,831.71 | |
| 15 Year Fixed Jumbo See Amortization Table |
6.92% | 6.75% | $2,831.71 | |
| 20 Year Fixed Conforming See Amortization Table |
7.44% | 7.25% | $2,529.20 | |
| 20 Year Fixed Jumbo See Amortization Table |
7.51% | 7.38% | $2,553.50 | |
| 30 Year Fixed Conforming See Amortization Table |
7.38% | 7.25% | $2,182.96 | |
| 30 Year Fixed Jumbo See Amortization Table |
7.47% | 7.38% | $2,210.16 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Conforming See Amortization Table |
6.99% | 6.75% | $2,831.71 | |
| 15 Year Fixed Jumbo See Amortization Table |
6.92% | 6.75% | $2,831.71 | |
| 20 Year Fixed Conforming See Amortization Table |
7.44% | 7.25% | $2,529.20 | |
| 20 Year Fixed Jumbo See Amortization Table |
7.51% | 7.38% | $2,553.50 | |
| 30 Year Fixed Conforming See Amortization Table |
7.38% | 7.25% | $2,182.96 | |
Compare with 7.451% APR and 7.375% 30-Year Fixed RATE from Rocket Mortgage
See All Mortgage Rates |
||||
| 30 Year Fixed Jumbo See Amortization Table |
7.47% | 7.38% | $2,210.16 | |
|
Compare with 7.451% APR and 7.375% 30-Year Fixed RATE from Rocket Mortgage
See All Mortgage Rates |
||||
Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.
Branches
Below are Space Coast branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
SPACE COAST is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Space Coast Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Space Coast. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Space Coast | U.S. Average |
|---|---|
| 7.50% | 6.97 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2023, Space Coast had $67,690,238 in non-current loans and $3,682,276 in owned assets. To cover these potential losses it had $895,274,671 in net worth and $56,372,422 in loans loss reserves. That gives it a Texas Ratio of 7.50%.
Net Worth
| Space Coast | U.S. Average |
|---|---|
| 10% | 13.62% |
Space Coast FCU has a net worth of 10% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Space Coast
philip gladchuk
September 30, 2016
what the rate on 5 years cd if your a elite member
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