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  Space Coast Credit Union Interest Checking

Space Coast Credit Union Interest Checking

in Checking Accounts from Space Coast Credit Union

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Space Coast Credit Union Interest Checking

Unaffiliated

in Checking Accounts from Space Coast Credit Union

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Highlights
Monthly Fee $0 - $15
ATM Fee: Out-of-Network $2.50
Minimum Balance to Avoid Monthly Fee $1,500
APY (Annual Percentage Yield) 0.25% - 0.75%

Space Coast Credit Union Interest Checking Review

Space Coast Credit Union Interest Checking is offered by Space Coast Credit Union, a credit union founded in 1951 and based in Melbourne, FL. Space Coast Credit Union Interest Checking is available in 1 state across the USA.

Key Takeaways
  • Higher than average APY. Space Coast Credit Union Interest Checking has an annual percentage yield of up to 0.75%, which is higher than the average. Note that you must keep a minimum balance of $1.
  • Charges a monthly fee. This account charges a monthly service fee of up to $15, but the fee is waived if you keep a minimum balance of $1,500.
  • Bill pay. Pay your bills to practically anyone in the United States through Space Coast Credit Union.
  • Hard credit pull. Space Coast Credit Union may require a hard pull on your credit report to open a checking account.
Space Coast checking account Pros & Cons
Pros Cons
  • No direct deposit requirement.
  • Interest bearing checking account.
  • Interest-yielding account.
  • Deposits are insured by the NCUA (up to $250K).
  • Access to physical branches.
  • Free debit card
  • High monthly fee if minimum requirements are not met.
  • No signup bonus.
  • Does not provide access to a nationwide ATM network.
  • Not FDIC-insured.
  • Only available in one state.
  • Higher than average wire transfer fees.
  • Monthly service charge.
  • Charges a higher than average fee on out-of-network ATM transactions.
Space Coast checking account FAQ

Are checking accounts from Space Coast Credit Union federally insured?

No, your Space Coast Credit Union checking accounts are not insured by a federal insurance agency. This means that if Space Coast Credit Union were to fall into financial difficulties, your deposits are not covered by a government backed insurance fund like the FDIC or NCUSIF.

What APY does Space Coast checking account offer?

Space Coast checking account offers an APY starting at 0.25% and ranging up to 0.75% (APY stands for annual percentage yield, rates may change). However, to earn interest you must keep an average beginning day balance of at least $1.

Space Coast checking account Rates and Terms
Rates Amount
APY (Annual Percentage Yield) 0.25% - 0.75%

What are the account minimums for Space Coast checking account?

Space Coast checking account requires a minimum initial deposit of $25 to open an account.

Space Coast checking account Account Minimums
Description Amount
Minimum Opening Deposit $25
APY Minimum Balance $1
Minimum Balance to Avoid Monthly Service Fee $1,500

What fees does Space Coast checking account charge?

This account charges a monthly service fee of up to $15.

Space Coast Credit Union Interest Checking Fees
Description
ATM Fee: In-Network $0
Check Copy $2
Foreign Transaction Fee (Debit Card) 1%
Monthly Fee $0 - $15
NSF Fee $30
Online Bill Pay Fee $0
Overdraft Item Fee $30
Overdraft Protection Fee (per transfer) $0
Returned Deposit Fee (Domestic) $30
Returned Deposit Fee (International) $30
Stop Payment Fee $15
Wire Transfer Fee - Domestic (Incoming) $10
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Incoming) $10
Wire Transfer Fee - International (Outgoing) $40
ATM Fee: Out-of-Network $2.50

Does Space Coast checking account charge overdraft fees?

Yes, Space Coast checking account charges a $30 fee for every overdraft fee.

What features and perks does Space Coast checking account offer?

This account includes the following features:

  • Fraud monitoring - Space Coast checking account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Space Coast checking account allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
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Contact

  • Headquarters
  •   8045 N Wickham Road
    Melbourne, FL 32940
  •   Visit Site

Hours of Operation

  • Sunday Closed
  • Monday 8:00am - 8:00pm
  • Tuesday 8:00am - 8:00pm
  • Wednesday 8:00am - 8:00pm
  • Thursday 8:00am - 8:00pm
  • Friday 8:00am - 8:00pm
  • Saturday 9:00am - 5:00pm

About Space Coast Credit Union Interest Checking

Availability

  Available in 1 state
Florida
Availabile in all of Florida

Feature Breakdown

APY Minimum Balance $1
Minimum Opening Deposit Starting at $25
Minimum Balance to Avoid Monthly Fee $1,500
ATM Fee: In-Network $0
Online Bill Pay Fee $0
Overdraft Protection Fee (per transfer) $0
Check Copy $2
Foreign Transaction Fee (Debit Card) 1%
Monthly Fee $0 - $15
NSF Fee $30
Overdraft Item Fee $30
Returned Deposit Fee (Domestic) $30
Returned Deposit Fee (International) $30
Stop Payment Fee $15
Wire Transfer Fee - Domestic (Incoming) $10
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Incoming) $10
Wire Transfer Fee - International (Outgoing) $40
ATM Fee: Out-of-Network $2.50
Bank Account Features
  • Branch Access
  • Debit Card
  • Fraud Monitoring
  • Fraud Protection
  • Free Bill Pay
  • Interest Bearing Account
  • Mobile Banking
  • Mobile Check Deposit
  • NCUA Member
APY (Annual Percentage Yield) 0.25% - 0.75%

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