They canceled my debit card just before the hurricane. I suspect some security thing got triggered due travel. However, No call. No explanation. I couldn't get cash when, after hurricane, most stores were cash only. They have no back-up for emergencies. I was dead (figuratively) in water with only 40$ to my name. They've been on my list prior to this - they require so much information just to make a deposit - account number, social, first born child - I mean, you are GIVING them money. I get that security is a priority for a bank but they go too far. Banking here is too difficult. Anti-streamlined. Looking for somewhere else to put my money. Update: After it was frozen for a few days, my debit card started working even though I had not been able to talk to bank. Very strange. So, in all honestly, I don't know if this is a bank issue or something else. Also, a friend suggested depositing my checks via photo through their app to streamline banking. The app wouldn't recognize the checks but others swear by it. Change my review from 1 to 2 stars. read more

This has to be the worst CU as far as customer service goes...their CSR's are rude and have no useful information...as a member this make me part owner and I would fire every CSR I have dealt with !! You ask for a manger and they hang up on you or tell you they have no mangers read more

Antique user interface, VERY rude staff and you have to fight them for hours to do things like make a payment. I wish the dealership had advised me to just go with their corporate financing, the slight reduction in interest was not worth dealing with Space Coast. read more

Absolute mess.I was hesitant to open another account with sccu. After spending 3 days looking at cars and being pre approved. I was given instructions on how to process the final steps on my purchase. The dealer called sccu with the vin and approved the sale we drove to long wood from Melbourne 1.5 hours to pick up the car after adding it to our insurance. Sccu decided they were not going to work with this car dealer saying they are not approved and not listed in thier system. The sccu rep them said they have never heard of this dealer yet they were an in-house financer for many years. The lady in the office even pulled records to prove they have been working wirh sccu for many years. They refused to tell me who thier approved dealers are but said that I should find a car negotiate a deal then call back to see if they are approved to sell me the car. So we lost 3 days of work and over a $1000.00 in wages and I took a hit to my credit for a loan that I didnt use because of sccu's lack of detail in thier regulations. My credit is over 800 and My hkuse hold income is over 80k a year. Waste of time waste of money and I get nothing from them. This is why they have such a poor rating across the review pages and do not have google ratings. I look foward to closing my account with them and consulting with my attourney to see if there is a small claim. read more

If I could give less than 1 star, I undoubtedly would. To simply say that this bank is inconvenient and run entirely upside down would be an understatement. The wildly unintelligent humans who work at the Melbourne location and its headquarters are probably the single dumbest collection of humans in one place. They are wildly unhelpful, incredibly uninformed about rules, regulations, and policies at the bank and in the system, and often give out wrong information - which causes extreme difficulty for the customers who bank there. They should all be terminated instantly. read more

Extremely Frustrated with SCCU's Youth Account Process On May 31st, I registered for a youth account with SCCU for my daughter. At the time of setup, I was clearly informed that I needed to sign the required documents--not my daughter. Naturally, I assumed everything was in order once I fulfilled what was asked of me. Fast forward: we received her debit card and I contacted the credit union to complete the final setup and card activation. My daughter soon left on a church retreat, where her only line of communication was through chaperones. When she attempted to use her card for the first time--it was declined. I tried calling SCCU on Sunday, only to discover that no one works on Sundays. Apparently, life comes to a halt at SCCU on weekends. I contacted customer service first thing Monday morning, only to be told that the account setup was incomplete because some documents weren't signed. I sent in proof that I had signed everything required of me. That's when they dropped the ball again--now claiming my 14-year-old daughter was supposed to sign as well. Let me get this straight: how is a minor with no credit history supposed to be verified, and how is this new requirement not made clear from the start? Now, thanks to SCCU's failure to communicate and their poor setup process, my daughter is away with no money and no access to her account. This is more than an inconvenience--it's unacceptable. To make matters worse, I was told I had to wait for someone to contact me to resolve this. No direct line, no escalation, and apparently no accountability. There's not even a phone number available for the corporate office. If this is how SCCU handles youth accounts and customer support, I can't imagine how they handle anything more complex. Deeply disappointed. read more

Absolutely horrible customer service. As a loyal member of 10+ years they consistently make me feel like just a number. I recently tried to do a refi with them and I constantly have to call for an update. No one ever answers the phone. I am cancelling my membership with them today. Jeff Loomis was the mortgage rep I was speaking with and he obviously doesn't care about his job or his customers. read more

By far the worst bank ever in 2025 after Thanksgiving, I got scammed over $4000. Somebody called my phone pretending to be the fraud department on a Friday evening had all my information had my information to my saving my youth and my checking account they gave me their badge number. They gave me their name. They were very professional. They spoofed the phone number and I was Colehurst into handing my debit card over to a Uber driver who they said was a third-party connection with them and I had to put my card in an envelope with a case number on it, and they were gonna run it into a diagnostics to find out exactly where the people that were hacking. My account were coming from first thing Monday morning I went to the bank and they immediately froze. My account told me I would be reimbursed do not worry, and then once I gave them all the information and the full story I was told that I willingly gave my card over even though I was Colehurst into doing it and I'm a single mother who was told that $1500 was going to be trying to be wired out of my account and if I had any knowledge of it and I said no and he said OK we're going to lock your account right now. I'm sending over the code. Just repeat it back to me so I did and then they locked me out of my app fast forwarding until now I go to get onto my online banking and I'm locked out. It's letting me in by telling me that they're having an issue yeah it's not giving me any of my information and when I just went to go use my card it was declined. I cannot get a hold of anybody. There is no 24 hour fraud department service there is nobody I can speak to so now I have to sit here all night and stress and pray to God that my money is still there when I walk into that bank tomorrow I have no faith in these people they do not care about their customers I have been a valued member me and my family members for many years they don't offer you any type of helping in anyway and I regret not changing banks and now I'm sitting here on a Thursday night a single mother, trying to figure out why I can't get into my account and where my money is that this is by far the worst feeling in the worst bank I have ever dealt with in my life. They do not value their customers. They give false information and then turn around and do not even reimburse you for money that was stolen from you when I had a police report when I gave them all the information where you clearly can see that somebody hacked into my account and now on the mobile app they normally let you know if the app is going to be down or not ever since 6 PM I went to go look into my account and it lets me in but it won't give me any information so I just tried to use my card and it won't. It's saying declined and I have to wait till tomorrow to figure out what's going on, I do not recommend this bank to anybody and I regret so bad not switching banks when this happened to me back after Thanksgiving in 2025 false information they got my hopes up. I had the manager telling me not to worry. My funds will be back and then next thing you know they're telling me I will never get my money back. I do not recommend this bank to anybody in the fact that you can't get a hold of anybody after hours is ridiculous. read more

I have been banking with them since 1988. They are much better than a bank. They are personable and helpful as they can be. Most of the tellers go above and beyond at the DeLand branch I have had auto loans, savings and checking. Try them. You won't be disappointed. read more

I paid off my loan in f ull but this institution has held up the lien release process, claiming to have a "managers hold" on it due to the large payoff amount made. My payment in full cleared a month ago, and I have called twice for a lien release, and there is still a lien on my property. This is illegal, and now I have to get my lawyer involved. Horrible business!!! read more

Unwilling to work with you on any matter. The app barely works ever. Been with them for over 12 years and they have only gotten worse. Will not reverse any overdraft fees at all unless it's a fault on there end. Literally got charged a 30 dollar overdraft fee for 75 cents and they would NOT take it off. They are no longer a credit union. They only want to take your money. read more

Long hold times for online banking. Long hold time for customer service and when you finally get through its usually a rude or arrogant service representative. read more

Trying contacting the President and Ceo - Timothy Antonition at timothya@sccu.com - he doesnt respond to any emails. They updated their portal and it isnt working and he wont respond. Customer service has no clue why the portal isnt working correctly - nobody responds - its like the place is run by a bunch of kids. read more

Space Coast Credit Union is one of the top Credit Unions in the state of Florida. Excellent rates. I was not a member and when I went to buy a new truck, they financed me from the dealership. They are the best credit union if you ask me. read more

This bank is awful. Everything about them and everything they do is terrible. Space Coast CU is arguably the worst institution in the state of Florida. I've never had a bank essentially punish me for paying my credit card balance in full by freezing portions of my credit limit. I've also never had a bank process my fraud claims with a new card... and then deny crediting my fraudulent charges. I was forced to pay for a criminal's purchases because this bank essentially accused me of lying. Everything with them is made as inconvenient as possible to the point that it feels like they actively dislike their members. Avoid them, there's so many better financial institutions to use. Nobody deserves the way they treat their members. read more

The HELOC loan is nothing but a scam. They have a set amount of money the are going to collect in interest and you can not beat the system you are paying. Called SCCU customer service and they can not give me an answer other than it is the system. I pay a lot more than the min amount and the interest fee is the same amount if not more than the previous month. read more

Worst ever!! Do not get involved with this company! I am filing a complaint with the Better Business Bureau. They dont answer calls, cant make payments and cant get any help. I called Gabriel Engman on his cell phone and no return call. Now I'm going to call Shane Hoyle on his cell phone. This place is a con artist company and there are NO good reviews!!! read more

Incompetent. Over 4 months to get a vehicle title transferred. Had to stay on top of them because they screwed up over and over again. read more

Just found out space coast has been sending joint account information to my Ex-husband. Even though I have a separate account under my maiden name somehow he still was able to see as if it's his joint account. He's known how much has been in my bank account for the last seven years it's criminal. read more

Was a good institution when I first started, but over the years they have basically ignored my comments about how to improve some of their services. First, I like to download all of my transactions prior to doing my taxes each year. However, since they will only allow me to download up to exactly one year previous I would have to do this on New Year's Eve every year. Not exactly convenient. I've tried for years to speak to someone would allow that to be extended a few months, but was basically ignored. Now, they "improved" their online banking system and it doesn't connect with my QuickBooks account anymore. I've been asking for a couple of months about when it will be fixed and now it is next year and they are still saying, "It is being worked on." They just don't get the idea of customer service. read more

This is my first issue in over 20 years, but it is significant! I need my SCCU accounts to sync automatically with my Quicken as it has for many years. Since being pushed to the new site, I have to enter every transaction manually which costs a lot of time. I pay for Quicken so it is easy to keep my accounts balanced but it doesn't work if SCCU can not communicate with it. They apologized to me 2 months ago for this issue, but it is still not fixed. When will it be fixed? read more

Service is terrible here. It always takes FOREVER to get taken care of. I don't know if they are understaffed or what the issue is but it is always slow ..inside and drive thru.. :( read more

SCCU used to be the best, but now they just don't care about customers anymore. I can't even pay extra principle on my mortgage loan without having to do a transfer from my normal bank to my SCCU account. Then I have come back after the transfer goes through and transfer from my SCCU account to my mortgage account. I don't understand why I can't make extra principle payments when making my normal payment from my Chase bank account. Why do they make it so difficult??? read more

I have been with spacecoast for over 15 years when on January 31 st I found out space coast willfully reported 3 late charges on my credit report claiming that it was not their error. When I reached out to their credit department they sent me around in circles and never got back to me. They claimed they called me however did not provide me with any evidence. Looks like Spacecoast has a history of doing dirty business to customers. This is very unethical and down right SHAMEFUL for a bank who claims they care about their customers. If there was a 1/4 star rating I would give to them ! I am closing all my accounts and all my family members who I introduced to spacecoast will be closing their account also. BEWARE!! BAD UNETHICAL BUSINESS DEALINGS TO MINORITIES! read more

Releases a new banking app that is not fully functional. Loses a wite transfer. Spoke and live chatted to different people, said my transfer would go through. Called today as transfer still not there and they can't answer me. They sent off an inquiry. WTF. read more

I am member for at least 27 years I paid two mortgages,auto loan direct deposit Elite member when I call customer service for a courtesy wave they told me in a rude manner that Elite members no longer exist and nothing they can do period. Roger read more

Avoid this institution like the plague. It took months of back and forth to secure a lease buyout loan for our car. Despite terrible communication and vague information about a changing interest rate, we pushed ahead to just get it over with. Mind you, they say their scope of operation includes Hillsborough County, and they've had our address for TWO MONTHS now. It's the final step of the process and we are set to sign the dotted line, and they inform us the day of that it needs to happen in person, and the closest branch to me is TWO AND A HALF HOURS AWAY. Oh, and the kicker is that they're only open M-F from 9am-3pm. Its 2023, when there are mobile notaries, fax machines, email, online signatures, etc. But this company insists on living in 2003. Trust these reviews and look elsewhere. read more

Watch out! They will sign you up for things like overdraft protection and not tell you. Then let you go -200 and charge you a $30 overdraft fee and say oh sorry. TERRIBLE!!! It's happened more than once for me too. I'm leaving this bank. Im done. read more

Space coast is a great credit union to do bussines and their interest rates are very low thanks again for your support and help Space Coast Credit Union!!! read more

lease buyout fee These guys sneak in fees AFTER you sign for the loan. "Oh, by the way there is a $500 fee I forgot to mention". If I had known that, I would have gone with another bank. These guys hire people that do not understand honest banking, and good luck trying to get a supervisor on the phone. read more

I have a home equity line of credit of $100k on a house valued at $990k with a small balance owed $1500 the 7 year term expired I was given an extra 7 years to pay it off , at the same interest rate My home owners insurance went up by $5k , so I increased my deductible to $10k I was told by the CU that the change is not acceptable I have 3 choices , pay off the balance , reduce the deductible back to $5k or accept a forced place insurance My point is , in this day and age this CU operates with very little consideration for its customers , so be careful I'm a member for 35 years, just moved my savings read more

I paid off the auto loan only to have them add another month of interest AFTER receiving my pay-off. Really scammy... and worrisome of banks considering today's banking climate. I wouldn't trust them with any banking needs. read more

Terrible experience with this bank. If you apply for a car loan and get approved they will report it to the credit bureaus even though you didn't buy the car. They don't take it off your report so you'll have to dispute it with the credit reporting agencies. Absolute waste of time. read more

Horrible company! They put a late paymnet on my report by their mistake. I spoke to the Space Cost rep three times and they said it would be taken care of. Two months later it is still on the report and I need to call them again! I cannot cancel my account because I have a car current loan! read more

Did you know that Space Coast Credit Union is the THIRD largest credit union in Florida, with over $4 BILLION in assets? I now have a better understanding why! As part of a cooperative network of Shared Branch Locations, non-members can conduct ATM transactions when out of town at participating locations. I needed to make a cash withdrawal today, and I chose one of the SCCU ATM machine locations in Melbourne for that transaction. . First off, I am NOT a member of SCCU. I have been a loyal member/customer of a much smaller credit union for over 30 years. I have no intention of going anywhere else, and now I certainly would never consider Space Coast Credit Union! The reason? I was charged a $4.00 fee just for using this 'participating' ATM! I do not mind paying a reasonable fee for the convenience, but a fee of FOUR DOLLARS is excessive, in my opinion. This is NOT conducive towards a goodwill feeling for non-members. I agreed to the fee, only because of time constraints, otherwise I would have cancelled and walked on! Think about fees and extraneous charges when deciding where to manage your finances. read more

I applied for an auto refi, I gave them information about the car and my financial. The person handling was communicating through the process. She HAD the car info and all. They gave me an approval for the amount ask. Then the last thing after pulling my credit and all they ask " hi, we just need the VIN to complete the loan," I send them the VIN and the next day they declined the loan. The person who was handling my loan just ghost me with out any even the curtesy to tell me they declined the loan after all of that. You could have easily determine the value of the car WAY before all this effort when the info is all published. I applied for a few options they either ask you for a VIN or PLATE in the beginning. It's not private info you need the social to access. Very unprofessional and waste of time. read more

In today banking market; it's shocking that my mobile app and on-line banking with Space Coast Credit Union is 6 days behind in showing transactions. My other two banking institutions show my transactions immediately as pending and posted by next business day. Their system is so behind that you cannot rely on the balance since it's so far behind uploading transactions. Unbelieveable. I closed my account after only 3 months. read more

Checking and Savings are ok; however how they about loan is unethical and dangerous if you have a Real Estate contract with a deposit that you stand to lose as their loan department takes forever and misleads you. I'm still disappointed that SCCU's loan department ethics did not follow Fannie Mae guidelines as they said and just lied. I qualified for the loan I applied for, but it was not in SCCU best interest to grant the loan because interest rates were going up at that time (they took forever to process my application). I checked all the guidelines and I complied. At the 11th hour after misleading me that everything was ok, SCCU said that I was not compliant because I had filed for extension on my tax return (the guidelines allow for this as long as the other year's tax returned are provided). I checked with a lawyer and I was right. Because of SCCU taking so long, I had to pay to extend the Real Estate contract in order to avoid losing my deposit and I also had close in a rush using a hard-money lender at a much higher interest rate (SCCU used up all the time available and this was my only quick option or lose my deposit even after the extension I paid). SCCU acted in bad faith because with the same parameters I was well qualified with other lenders (everyone uses FannieMae/FreddyMac); but SCCU kept insisting to give them a shot and so I made the mistake of trying with them. For the last 32 years I have closed on many, many loans (not my 1st rodeo, I have a lot of experience with loan processes) with different lenders and never have I been exposed to such lack of professionalism. I've worked for fortune 500 companies and although nobody is perfect and mistakes happen, we always focused on making the customer whole and this was the success factor which creates customer loyalty. However SCCU and its customer care, management, and up those up the ladder does not seem to understand this... specially in a competitive environment such as banking. It leaves a lot to be desired. read more

Very poor service, it's just like being in a big national bank. Except the prices are higher. I applied for a HELOC telling them well in advance that the property was occupied by a tenant until May. They took my application pulled my credit and then told me we couldn't get the loan until we've been in the house for 6 months. Why didn't they tell me that before I applied? These people are barely competent to tie their shoes. read more

SCCU is the worst financial institution i have EVER dealt with in my life! AVOID THIS SCAM CREDIT UNION!!! ALL OF THESE ONE STAR REVIEWS ARE 100% ACCURATE! Customer service is beyond pathetic... .no one gives a damn about helping with all of the SCCU mistakes. Terrible company with terrible management! read more