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  Space Coast Credit Union Interest Checking

Space Coast Credit Union Interest Checking

in Checking Accounts from Space Coast Credit Union

Unaffiliated

Space Coast Credit Union Interest Checking

Unaffiliated

in Checking Accounts from Space Coast Credit Union

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Highlights
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 maintenance fee of up to $15, but the fee is waived if you keep a minimum balance of $1500.
  • $25 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
  • Free 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 Credit Union Interest Checking Pros & Cons
Pros Cons
  • No direct deposit requirement.
  • Interest bearing checking account.
  • Interest-yielding account.
  • 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 Credit Union Interest Checking 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 Credit Union Interest Checking offer?

Space Coast Credit Union Interest Checking 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 a minimum balance of $1.

Space Coast Credit Union Interest Checking Rates and Terms
Rates Amount
APY (Annualized Percentage Yield) 0.25% - 0.75%

What are the account minimums for Space Coast Credit Union Interest Checking?

Space Coast Credit Union Interest Checking requires a minimum initial deposit of $25 to open an account.

Space Coast Credit Union Interest Checking Account Minimums
Description Amount
Minimum Initial Deposit $25
APY Minimum Balance $1
Minimum Balance to Avoid Monthly Fee $1,500

What fees does Space Coast Credit Union Interest Checking charge?

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

Space Coast Credit Union Interest Checking Fees
Description
Monthly Fee $0 - $15
Paper Statement Fee N/A
ATM Fee: In-Network $0
ATM Fee: Out-of-Network $2.50
NSF Fee $30
Overdraft Protection Fee (per transfer) $0
Overdraft Item Fee $30
Early Account Closure N/A
Returned Deposit Fee (Domestic) $30
Debit Card Replacement Fee N/A
Bank Teller Fee N/A
Check Cashing Fee N/A
Online Bill Pay Fee $0
Stop Payment Fee $15
Check Image Service N/A
Check Copy $2
Foreign Transaction Fee (Debit Card) 1%
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Outgoing) $40
Wire Transfer Fee - International (Incoming) $10
Returned Deposit Fee (International) $30
Wire Transfer Fee - Domestic (Incoming) $10
ATM Reimbursement Monthly Limit N/A

What features and perks does Space Coast Credit Union Interest Checking offer?

This account includes the following features:

  • Fraud monitoring - Space Coast Credit Union Interest Checking monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Space Coast Credit Union Interest Checking allows you to manage your money online. This includes depositing checks in your account with your smartphone.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

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 Initial Deposit $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
  • NCUA Member
  • Debit Card
  • Free Bill Pay
  • Fraud Protection
  • Fraud Monitoring
  • Mobile Banking
  • Interest Bearing Account
  • Mobile Check Deposit
APY (Annual Percentage Yield) 0.25% - 0.75%

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