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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Space Coast Credit Union (SCCU)


About Space Coast Credit Union

Space Coast Credit Union (SCCU) originated in 1951 as Patrick Air Force Base Credit Union, with 28 members and just $372 in assets. However, SCCU now serves over 500,000 members. They have more than $7 billion in assets, which makes them Florida's third-biggest credit union. They serve 34 counties and have 64 branch sites throughout Florida's east coast, from Flagler to Miami-Dade.

SCCU has multiple branches throughout Florida's East Coast, from Flagler County to Miami-Dade. Many top websites have listed it as one of the Top 100 Banks in 2022 because of its accessibility and the services it provides to members.

Space Coast Credit Union provides credit cards, mortgages, home equity loans, and vehicle loans, in addition to checking, savings, and investment accounts. Users or applicants need to live or work in one of the following Florida counties: Brevard, Broward, Clay, Collier, Nassau, Duval, Hillsborough, Indian River, Orange, Lake, Lee, Manatee, Marion, Miami-Dade, Monroe, Okeechobee, Osceola, Palm Beach, Pasco, Pinellas, Polk, Putnam, Seminole, St. Lucie, Sumter, Martin, or St. Johns.

Pros and cons

Before making any important financial decision, one should be informed of all of the lending company's benefits and drawbacks.


  • Checking, savings, vehicle loans, credit cards, and mortgage and home equity loans are all available.

  • Specialized services like student checks and VA home loans are available.

  • CO-OP Shared Branching increases the number of banking locations available.


  • If your balance goes below the minimum, you will be charged a $15 maintenance fee on your interest checking and money market accounts.

  • Interest rates are higher than those offered by many other institutions.

Loan conditions

SCCU provides no-fee loans, free online and mobile banking, quick approval decisions, flexible terms, and competitive rates, as well as free FICO scores and account notifications to monitor behavior. To be eligible for a loan, the applicant must fill out the loan application. They will be required to share some documents like a tax return, financial statement, debit summary, interim statement, etc.

Funding a loan

Space Coast Credit Union’s loan funding starts with a website-based online application form. You'll need to provide some personal information, such as your legal name and residence, your spouse's information, work information, and so on. You must also agree to the loan application's terms and conditions. SCCU will approve or reject your application based on an automatic online analysis of the health of your business or personal credit history.

SCCU's loan options are perfect for individuals with immediate personal needs who are looking for quick loans to assist them in getting through a financial crisis.



What is SCCU?

Space Coast Credit Union is a Florida-chartered credit union based in Melbourne. The company provides low-cost lending services to customers. They offer credit cards, mortgages, home equity loans, and auto loans in addition to checking, savings, and investment accounts. The National Credit Union Administration insures and regulates them.

Who owns SCCU?

Tim Antonition is a major member of Space Coast Credit Union and owns a majority stake in the company.

How do you qualify for SCCU?

To be eligible for a loan in SCCU, you should have a decent credit score, be a resident of listed counties in their nomination, and be the primary holder of a valid government-issued ID.

How much can you borrow from SCCU?

The company offers loans with a maximum cap amount of two times the applicant’s gross monthly income. Furthermore, a maximum unsecured credit of $20,000 are available from Space Coast Credit Union.

Is SCCU a legitimate company?

Yes, SCCU is a registered entity under the National Credit Union Administration, which is a US government agency that overlooks all the lending organizations. The company is allowed to legally provide lending services across Florida.

Company documents

Privacy Policy
Terms and Conditions

A credit union is a not-for-profit financial institution where people pool their money together to promote savings and provide access to affordable loans.

© Space Coast Credit Union (SCCU)

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What to focus on before applying for a loan with Space Coast Credit Union (SCCU)

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between Space Coast Credit Union (SCCU) and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All Space Coast Credit Union (SCCU)’s reviews by October 2022
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