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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Space Coast Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 22, 2026
Space Coast Credit Union's 12 Month IRA CD rates are at 4.25%, 18 Month IRA CD rates are at 4.25%, 9 Month IRA CD rates are at 3.95%, 6 Month IRA CD rates are at 3.85%, 24 Month IRA CD rates are at 3.75%. Space Coast Credit Union's savings rates are at 0.04%. Space Coast Credit Union's Personal Loan Rates are as low as 12.50%. 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 4.16%. Rates last updated and verified on 09/22/2026. 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. Space Coast Credit Union
Space Coast Credit Union-Headquarters 8045 N Wickham Rd
https://www.sccu.com Melbourne, FL 32940-7920 
Space Coast Credit Union CD Rates
Space Coast Credit Union Savings Rates
Space Coast Credit Union Checking Rates
Space Coast Credit Union Home Equity & HELOC
Space Coast Credit Union Auto Loan Rates
Space Coast Credit Union RV, Boat and Powersport Loan Rates
Space Coast Credit Union Personal Loan Rates
Space Coast Credit Union Other Rates
Financial Health HistorySpace Coast Credit Union’s Texas Ratio rose from 2.93% in Q2 2023 to 4.16% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
1,272
Part-Time Employees
5
Branch Locations
70
ATM Locations
81
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.16%
Return on Assets (ROA)
0.1542%
Return on Equity (ROE)
1.4003%
Non-Performing Loans Ratio (NPL)
0.63%
Total Assets
9,288,944,265
Total Amount of Shares and Deposits
7,730,137,917
Total Shares and Deposits < 1 Year
7,334,301,545
Total Shares and Deposits 1 3 Years
321,352,289
Total Shares and Deposits > 3 Years
74,484,083
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
533,457,901
Total Uninsured Shares and Deposits > $250K (F+J)
533,457,901
Total Insured Shares and Deposits > $250K (item 17 less item K)
7,196,680,016
Total Interest Expense (Sum of items 6 8)
35,718,662
Share Certificates
61,201
Number of Accounts for Share Drafts
400,911
IRA KEOGH Accounts
13,948
Number of Accounts for Regular Shares
751,443
All other shares
3,561
Non Member Deposits
1,114
Money Market Shares
11,554
Net Income (unless the amount is already included in Undivided Earnings)
14,323,000
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)
464,416,666
Total Liabilities
8,291,674,638
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Space Coast Credit Union yet. Feel free to create one below.
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Add Your Rating and Review for Space Coast Credit Union
Frequently Asked Questions About Space Coast Credit UnionHow 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. Current Space Coast Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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