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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 Starting at $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 national average interest rate on savings accounts. 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.
Space Coast checking account Pros & Cons
Pros Cons
  • No direct deposit requirement.
  • Interest bearing checking account.
  • Interest-yielding account.
  • Insured by NCUA.
  • 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 Credit Union Interest Checking Minimums
Description
APY Minimum Balance $1
Minimum Opening Deposit Starting at $25
Minimum Balance to Avoid Monthly Fee Starting at $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.

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.

What is the customer support email for Space Coast checking account?

The customer support email for Space Coast checking account is info@sccu.com.

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Message From Space Coast Credit Union Interest Checking

Get more from your checking account. Get the best of both worlds with SCCU’s Interest Checking. You’ll enjoy unlimited access to your funds while earning interest on your money. SCCU offers competitive rates, lower fees, direct deposits a day early with Priority Pay, and the convenience you deserve!

Interest Checking, All of our great checking benefits plus earn interest on your eligible balances. SCCU has competitive rates and the features you need for convenient, secure everyday banking.

Contact

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 Starting at $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
Account Features
  • Branch Access
  • Debit Card
  • Fraud Monitoring
  • Fraud Protection
  • Free Bill Pay
  • Interest Bearing Account
  • Mobile Banking
  • Mobile Check Deposit
  • Insured by NCUA
APY (Annual Percentage Yield) 0.25% - 0.75%

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