What are the current interest rates at Space Coast Credit Union?

Current rates for Space Coast Credit Union include: 12-Month CD: 3.85%, Savings: 0.00%

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Space Coast Credit Union

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Space Coast Credit Union Rates & Review August 2026

Q: How many branches does Space Coast Credit Union operate?

Space Coast Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Space Coast Credit Union?

Yes, to access services at Space Coast Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Space Coast Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 28, 2026

Space Coast Credit Union's 12 month IRA CD rates are at 3.85%, 6 month IRA CD rates are at 3.75%, 54 month IRA CD rates are at 3.70%, 48 month IRA CD rates are at 3.65%, 42 month IRA CD rates are at 3.60%. Space Coast Credit Union's savings rates are at 0.00%. Space Coast Credit Union's Jumbo Mortgage rates are at 5.50%, Jumbo Mortgage rates are at 5.62%, Construction-to-Permanent Loan Jumbo rates are at 6.00%, Jumbo Mortgage rates are at 6.38%, Jumbo Mortgage rates are at 6.38%. Space Coast Credit Union's Personal Loan Rates are at 5.49%. MonitorBankRates evaluates the financial stability of Space Coast Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.38%. Rates last updated and verified on 08/28/2026.

Space Coast Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Space Coast Credit Union? Share your experience about Space Coast Credit Union by leaving a review below, or read customer reviews before you decide to use Space Coast Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.38%

Excellent Lower than avg

Space Coast Credit Union
Space Coast Credit Union Headquarters

8045 N Wickham Rd
Melbourne, FL 32940 7920

https://www.sccu.com

Space Coast Credit Union CD Rates

Product	Rate	APY	Term
12 month IRA CD	3.80%	3.85%	12 Months
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%
6 month IRA CD	3.72%	3.75%	6 Months
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%
54 month IRA CD	3.65%	3.70%	54 Months
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%
48 month IRA CD	3.60%	3.65%	48 Months
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%
42 month IRA CD	3.55%	3.60%	42 Months
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%
30 month IRA CD	3.50%	3.55%	30 Months
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%
3 month IRA CD	3.46%	3.50%	3 Months
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%

Space Coast Credit Union Savings Rates

Product	Rate	APY
Youth Savings Account	4.07%	4.15%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%
Money Market Savings	2.23%	2.25%
Min Balance $250,000 Details Minimum average daily balance required for some accounts. Rates are accurate as of the effective date displayed, and they are subject to change. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%
Money Market Savings	2.13%	2.15%
Min Balance $100,000 Details Minimum average daily balance required for some accounts. Rates are accurate as of the effective date displayed, and they are subject to change. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%
Money Market Savings	1.98%	2.00%
Min Balance $50,000 Details Minimum average daily balance required for some accounts. Rates are accurate as of the effective date displayed, and they are subject to change. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%
Money Market Savings	1.74%	1.75%
Min Balance $25,000 Details Minimum average daily balance required for some accounts. Rates are accurate as of the effective date displayed, and they are subject to change. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%
Health Savings Account	1.49%	1.50%
Min Balance $10,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%
Money Market Savings	1.49%	1.50%
Min Balance $10,000 Details Minimum average daily balance required for some accounts. Rates are accurate as of the effective date displayed, and they are subject to change. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%
Money Market Savings	1.24%	1.25%
Min Balance $2,500 Details Minimum average daily balance required for some accounts. Rates are accurate as of the effective date displayed, and they are subject to change. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%
IRA Savings Account	0.75%	0.75%
Min Balance $250,000 Details Consult your tax advisor for specific tax advantages related to Individual Retirement Accounts. Rates are accurate as of the effective date displayed, and they are subject to change. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%
IRA Savings Account	0.70%	0.70%
Min Balance $100,000 Details Consult your tax advisor for specific tax advantages related to Individual Retirement Accounts. Rates are accurate as of the effective date displayed, and they are subject to change. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%
IRA Savings Account	0.65%	0.65%
Min Balance $50,000 Details Consult your tax advisor for specific tax advantages related to Individual Retirement Accounts. Rates are accurate as of the effective date displayed, and they are subject to change. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%
IRA Savings Account	0.60%	0.60%
Min Balance $25,000 Details Consult your tax advisor for specific tax advantages related to Individual Retirement Accounts. Rates are accurate as of the effective date displayed, and they are subject to change. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%
IRA Savings Account	0.55%	0.55%
Min Balance $10,000 Details Consult your tax advisor for specific tax advantages related to Individual Retirement Accounts. Rates are accurate as of the effective date displayed, and they are subject to change. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%
Health Savings Account	0.50%	0.50%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%
IRA Savings Account	0.50%	0.50%
Min Balance $0 Details Consult your tax advisor for specific tax advantages related to Individual Retirement Accounts. Rates are accurate as of the effective date displayed, and they are subject to change. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%
Christmas Club Account	0.25%	0.25%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%
My Way Savings Account	0.04%	0.04%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%
Savings Account	0.04%	0.04%
Min Balance $0 Details Minimum average daily balance required for some accounts. Rates are accurate as of the effective date displayed, and they are subject to change. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%
Youth Savings Account	0.04%	0.04%
Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%
Money Market Savings	0.00%	0.00%
Min Balance $0 Details Minimum average daily balance required for some accounts. Rates are accurate as of the effective date displayed, and they are subject to change. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%

Space Coast Credit Union Money Market Rates

Product	Rate	APY
Money Market Savings	2.23%	2.25%
Min Balance $250,000 Details Minimum average daily balance required for some accounts. Rates are accurate as of the effective date displayed, and they are subject to change. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%
Money Market Savings	2.13%	2.15%
Min Balance $100,000 Details Minimum average daily balance required for some accounts. Rates are accurate as of the effective date displayed, and they are subject to change. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%
Money Market Savings	1.98%	2.00%
Min Balance $50,000 Details Minimum average daily balance required for some accounts. Rates are accurate as of the effective date displayed, and they are subject to change. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%
Money Market Savings	1.74%	1.75%
Min Balance $25,000 Details Minimum average daily balance required for some accounts. Rates are accurate as of the effective date displayed, and they are subject to change. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%
Money Market Savings	1.49%	1.50%
Min Balance $10,000 Details Minimum average daily balance required for some accounts. Rates are accurate as of the effective date displayed, and they are subject to change. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%
Money Market Savings	1.24%	1.25%
Min Balance $2,500 Details Minimum average daily balance required for some accounts. Rates are accurate as of the effective date displayed, and they are subject to change. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%
Money Market Savings	0.00%	0.00%
Min Balance $0 Details Minimum average daily balance required for some accounts. Rates are accurate as of the effective date displayed, and they are subject to change. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%

Space Coast Credit Union Checking Rates

Product	Rate	APY
Interest Checking Account	0.30%	0.30%
Min Balance $50,000 Details Minimum average daily balance required for some accounts. Rates are accurate as of the effective date displayed, and they are subject to change. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%
Interest Checking Account	0.25%	0.25%
Min Balance $5,000 Details Minimum average daily balance required for some accounts. Rates are accurate as of the effective date displayed, and they are subject to change. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%
Interest Checking Account	0.15%	0.15%
Min Balance $0 Details Minimum average daily balance required for some accounts. Rates are accurate as of the effective date displayed, and they are subject to change. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%

Space Coast Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Jumbo Mortgage	5.50%	-	5.61%	10 Years
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%
Jumbo Mortgage	5.63%	-	5.70%	15 Years
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%
Construction-to-Permanent Loan Jumbo	6.00%	-	6.08%	15 Years
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%
Jumbo Mortgage	6.38%	-	6.42%	30 Years
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%
Jumbo Mortgage	6.38%	-	6.44%	20 Years
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%
Construction-to-Permanent Loan Jumbo	6.75%	-	6.80%	30 Years
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%

Space Coast Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
HELOC Principal-and-Interest Option 7/7	-	-	4.24%	12 Month Intro Rate
Details As Low As; Thereafter APR 6.25% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%
HELOC Principal-and-Interest Option 7/7	-	-	6.25%
Details Thereafter APR Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%
HELOC Interest-Only Option 10/10	-	-	7.00%	12 Month Intro Rate
Details As Low As; Thereafter APR 7.00% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%

Space Coast Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan Purchase	-	-	5.49%	Up to 48 Months
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%
Auto Loan Purchase	-	-	5.99%	Up to 66 Months
Details As Low As; Minimum Loan Amount: $10,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%
Auto Loan Purchase	-	-	6.49%	Up to 75 Months
Details As Low As; Minimum Loan Amount: $12,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%
Auto Loan Purchase	-	-	6.74%	Up to 84 Months
Details As Low As; Minimum Loan Amount: $20,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Space Coast Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Space Coast Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Space Coast Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Space Coast Credit Union

Website https://www.sccu.com

Address 8045 N Wickham Rd, Melbourne, FL 32940 7920

Phone 321-752-2222

Fax 321-956-7888

President Thomas Myers

CEO Shane Hoyle

Full-Time Employees 1,237

Part-Time Employees 5

Branch Locations 68

ATM Locations 80

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.38%

Return on Assets (ROA)

0.7006%

Return on Equity (ROE)

6.2318%

Non-Performing Loans Ratio (NPL)

0.64%

Total Assets

8,908,419,963

Total Amount of Shares and Deposits

7,316,129,365

Total Shares and Deposits < 1 Year

7,048,917,293

Total Shares and Deposits 1 3 Years

202,645,747

Total Shares and Deposits > 3 Years

64,566,325

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

460,576,709

Total Uninsured Shares and Deposits > $250K (F+J)

460,576,709

Total Insured Shares and Deposits > $250K (item 17 less item K)

6,855,552,656

Total Interest Expense (Sum of items 6 8)

114,107,127

Share Certificates

56,866

Number of Accounts for Share Drafts

391,429

IRA KEOGH Accounts

13,867

Number of Accounts for Regular Shares

732,825

All other shares

3,449

Non Member Deposits

1,058

Money Market Shares

11,396

Net Income (unless the amount is already included in Undivided Earnings)

62,410,290

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

485,306,504

Total Liabilities

7,941,606,179

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About Space Coast Credit Union

How many branches does Space Coast Credit Union operate?

Space Coast Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Space Coast Credit Union?

Yes, to access services at Space Coast Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Space Coast Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Space Coast Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Space Coast Credit Union offer online and mobile banking?

Most modern institutions like Space Coast Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.sccu.com.