Space Coast Credit Union Avis 

What ever you do, do not open an account with this bank. They don't care how many years you have been with them or even if they get your direct deposit. I have been with SSCU for more than 25 years, it use to be EFFCU. When I wanted to buy me a house back in 2014 the decline me, another bank approved my loan for with an interest of 4.6%. I requested a loan to purchase a car they declined me. I was approved by another bank. I requested a personal loan and declined me and again was approved by another bank. So sick and tired if this credit union. Is the worst. Do not open any type of account with this bank

No custormer service.
Do not reply to email questions.
Phone never answers.
AVOID

We were closing on a house and space coast caused a 2 week delay. First the person in that department retired and no one monitored there email after. A week of calling finally got a person to tell us that and they would have numbers from the lawyer shortly. Another week later they finally gave us an answer. Slow and inefficient.How are they managing people's money?

Absolutely abysmal bank unless you like using a 1997 interface for your loans. Customer service is rude and unhelpful. I deeply regret choosing them as a lender, I'm looking to refinance elsewhere because of their staff

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

This company continues to send promotions via mail on interest rate reductions, even to its existing loan customers. Even though, the rate reductions do not apply to them,it can be perceived as an attempt to deceive.

In addition, it may be also be environmentally, a waste of paper.

I am a Realtor living in Edgewater FL. I had the pleasure of meeting Victoria in the New Smyrna Beach branch located on US1 recently. I asked her about opening a business acct. She was very knowledgeable, personable, & smart. She explained the advantages of having a business acct (I have had a personal acct since 1997.) She has also assisted me several times with deposits.
I really appreciate her spunk & vibrant personality.
Unfortunately great employees are often overlooked because there’s so much negativity & people only want to complain instead of compliment.
Huge shout out to her & the branch for always having a positive, happy environment.
Sandra DeCaro
(321) 501-3551

Wow. I read about this company and had my doubts. They do not answer the phone. You wait 20 minutes and then you are given an option to receive a call back. They never call back. Their website application for a new bank account is glitchy, as it took 3 days to finally get it to submit. The next day they could not find the application. They said they would call back but never did. Their connection to Quickbooks is not stable so you lose a lot of information. I would never move to this bank again. Sad. The reviews are true. RUN!!!

The worst banking experience ever. I opened my account February 5th 2026 I closed my account February 27th 2026. I applied for a credit card with this Credit Union and was highly disappointed with the credit limit they offered me when I inquired about the information entered on the credit application I learned that one of my existing bills was entered at $200 more a month than what I stated to the operator over the phone I am not sure how $700 sounds like $900 a month when I inquired about this discrepancy no one could give me an explanation as to why the operator entered such a large discrepancy on my credit application. I was really dissatisfied with the customer service not to mention that ridiculous mistake I'm sure influenced the amount of credit that was offered to me. I was told I would be contacted after an inquiry was complete and that did not happen either. Not sure if this is a normal business practice to enter incorrect information on someone's credit application over the phone or a mistake either way the whole situation really was disappointing and now I have to get that credit inquiry off my credit report. Do yourself a favor find another credit union do not open an account at Space Coast Credit Union.

Rated worst credit union in Florida for good reason. Rude, unprofessional, basically a joke. Their mobile app? Did a 6th grader write it in computer class?

Space Coast Credit Union has a poor rating for a reason. I joined this credit union over ten years ago because of the banking crisis. At the time I thought that it was not much better than the banks. Later I discovered it really is a bank masquerading as something else.
Last March I noticed a $35 charge on my credit card from Barcelona, Spain. I wondered how this could have happened. It turned out that the INCOMPETENT staff had forgot to turn off my travel notification from 18 months prior. Instead of apologizing the bank forced me to fill out a LONG WINDED form to get reimbursed and told me it would take six months. I am still waiting for the refund.
This past week I decided I better notify this inept group before I travel at the end of October. A goober got back to me and told me they needed the last 4 digits of my account. I immediately sent in the 4 digits only to receive after a bit of time that for security reasons they could not process my travel notification.
Admittedly I was upset and told them what I thought of their services. Now they blocked me from accessing my account online. I will need to make a complaint against them to the Consumer Rights Commission and also to the Federal Trade Commission .

I spent 45 minutes going though their phone line prompts. I even reached a human once who promptly put me back into the never never land.
I wanted to sign up for the life insurance they had mailed me and the person sent me to another prompt where I had two choices, neither of them being life insurance.. I have avoided going to their phone; I usually stop at a bank site, however I have been out of town and have misplaced the written offer that I rec'd by mail.

STAY AWAY. THIS IS THE WORST BANK IS ALL OF THE USA

Worst place

These people DO NOT answer their phones. In fact, the numbers appear to be disconnected! I am so disgusted with them!

Online banking is horrible this time, the old way worked and now is not a good time for improvement during the Hollidays. I can't get in, they send a code everytime and now their code system isn't working at all. When I start over they say my info already exists...don't try to be fancy or more modern, just make it simple for us with something that works. Bad timing folks...I've been w u all since 82 and this is getting worse than ever. Respectfully,
Dan

I have multiple loans, business accounts, and personal accounts with space coast. My number one complaint is that every time they have an update you have no access to your information. The current "update" in the website has made it so QuickBooks cannot connect to it. Its been over a month and they still have no idea when this will be fixed. Horrible IT for such a big company

Their service really is as bad as everyone says. I've been with them for business checking for about 10-years. They totally blew the COVID era, causing confusion and despair. If you go into a branch thinking you're going to get help with something, they point to a bank of telephones on the wall so you can call their call center. (Yea, not making that up.) Tellers and branch managers give you a vibe like they hate their jobs. - Their online banking is constantly offline. Their phone support will take you into a call-tree with hours long holds. Why am I still there? I don't write a lot of checks, so never found the motivation to change yet. I would not recommend Space Coast Credit Union.

I did apply for a credit card, but hey denied at first. I called spoke to the underwriter. What was the problem and hey approve me for $2000

I got approved for a motorcycle loan with SCCU two years ago, and it has been paid off. I no longer have it and decided to get another motorcycle, so I called SCCU. My current credit score is 690, which was the same as last time, but this time they denied my application for a mere $6,500 and made a hard pull on my credit report, which is hurting my credit score. I'm pretty sure it also hurt my chances of getting approved with other lenders, so I purchased the motorcycle cash, which I had no problem coming up with these funds, but I initially preferred to spread it a bit. I really thought paying off my last loan with SCCU will work to my favor, I never imagined that they would deny such low amount as this, or I would never chance it to do a hard pull on my credit. Most financial institutions do a soft pull so it won't impact your credit. Never again, Space Coast Credit Union; you lost a very good customer. Also, I decided to close the account I had with them, and I suddenly saw that they charged me $5 for an "Account inactivity fee." This is absurd! Stay away from this bank! You won't win with them in any situation!