Credit union · NCUA insured
Space Coast Credit Union Savings Rates
Top CarrotSpace Coast Credit Union’s best savings rate is 1.50% APY on $10,000, with its Money Market Savings. Rates checked October 5, 2026.
How Space Coast Credit Union’s savings rates compare
Compared with banks and credit unions near Miami, FL, where Space Coast Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Space Coast Credit Union
1.50%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $150
Money Market Savings
Top rate
JM Associates FCU
5.12%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $512
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Space Coast Credit Union savings score
87
Savings score
Higher than 77% of U.S. banks and credit unions
- $1,000 balance$1,0000.04%
- $10,000 balance$10,0001.50%
- $100,000 balance$100,0002.15%
- QualifiedQualified1.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Space Coast Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
SCCU Saving Cents
2.27%APY
Optional savings program linked to debit card purchases from participating primary checking account. Daily round-up of non-whole dollar transactions to the next dollar. Deposits accepted only via debit card round-ups; manual deposits not permitted. Limit one Saving Cents account per membership.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $25,000 | 2.27% | $227 |
| Over $25,000 | 1.26% | — |
Sources (3)
- sccu.com/personal/savings-accounts
- sccu.com/personal/savings-accounts/saving-cents
- sccu.com/personal/consumer-rates
All captured Oct 5, 2026
Money Market Savings
1.50%APY
Membership in Space Coast Credit Union required (maintain a Share Savings account with $5 minimum deposit). Open to relatives of current members and those who work or live in eligible Florida counties. Minimum opening deposit is $2,500. $15 monthly low balance fee applies if minimum daily balance of $2,500 is not maintained; no monthly service fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Requires $2,500 minimum opening deposit. $15 monthly low balance fee if minimum daily balance of $2,500 is not met. | 0.00% | — | Requires $2,500 minimum opening deposit. $15 monthly low balance fee if minimum daily balance of $2,500 is not met. |
| $2,500 – $10,000Requires $2,500 minimum opening deposit. $15 monthly low balance fee if minimum daily balance of $2,500 is not met. | 1.25% | — | Requires $2,500 minimum opening deposit. $15 monthly low balance fee if minimum daily balance of $2,500 is not met. |
| $10,000 – $25,000Requires $2,500 minimum opening deposit. $15 monthly low balance fee if minimum daily balance of $2,500 is not met. | 1.50% | $150 | Requires $2,500 minimum opening deposit. $15 monthly low balance fee if minimum daily balance of $2,500 is not met. |
| $25,000 – $50,000Requires $2,500 minimum opening deposit. $15 monthly low balance fee if minimum daily balance of $2,500 is not met. | 1.75% | — | Requires $2,500 minimum opening deposit. $15 monthly low balance fee if minimum daily balance of $2,500 is not met. |
| $50,000 – $100,000Requires $2,500 minimum opening deposit. $15 monthly low balance fee if minimum daily balance of $2,500 is not met. | 2.00% | — | Requires $2,500 minimum opening deposit. $15 monthly low balance fee if minimum daily balance of $2,500 is not met. |
| $100,000 – $250,000Requires $2,500 minimum opening deposit. $15 monthly low balance fee if minimum daily balance of $2,500 is not met. | 2.15% | — | Requires $2,500 minimum opening deposit. $15 monthly low balance fee if minimum daily balance of $2,500 is not met. |
| $250,000 and upRequires $2,500 minimum opening deposit. $15 monthly low balance fee if minimum daily balance of $2,500 is not met. | 2.25% | — | Requires $2,500 minimum opening deposit. $15 monthly low balance fee if minimum daily balance of $2,500 is not met. |
Sources (2)
All captured Oct 5, 2026
My Way Savings
0.04%APY
Allows opening up to 10 customizable goal-oriented accounts per membership.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $500 | 0.04% | — |
| $500 – $100,000 | 0.04% | $4 |
Sources (3)
- sccu.com/personal/savings-accounts
- sccu.com/personal/savings-accounts/my-way-savings
- sccu.com/personal/consumer-rates
All captured Oct 5, 2026
Regular Savings
0.04%APY
Establishes membership in Space Coast Credit Union. $5 minimum balance required to maintain active membership.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $500 | 0.04% | — |
| $500 – $100,000 | 0.04% | $4 |
Sources (3)
- sccu.com/personal/savings-accounts
- sccu.com/personal/savings-accounts/share-savings
- sccu.com/personal/consumer-rates
All captured Oct 5, 2026
Special-purpose accounts
IRA Savings Account
0.55%APY
Individual Retirement Account (IRA) savings account with unlimited deposits up to annual contribution limits. Opening minimum is $100 or payroll deduction.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.50% | — |
| $10,000 – $25,000 | 0.55% | $55 |
| $25,000 – $50,000 | 0.60% | — |
| $50,000 – $100,000 | 0.65% | — |
| $100,000 – $250,000 | 0.70% | — |
| $250,000 and up | 0.75% | — |
Sources (3)
All captured Oct 5, 2026
Youth Savings
0.45%APY on $10,000
Requires an adult joint account holder. Converts to Regular Savings at age 18.
| Part of the balance | Rate on that part |
|---|---|
| Up to $1,000 | 4.07% |
| Over $1,000 | 0.04% |
On $10,000 the tiers blend to about 0.45% APY, earning $45 a year.
Sources (3)
- sccu.com/personal/savings-accounts
- sccu.com/personal/savings-accounts/youth-savings
- sccu.com/personal/consumer-rates
All captured Oct 5, 2026
Christmas Club Savings
0.25%APY
Unlimited deposits; no withdrawals allowed during the year; funds automatically transfer to Regular Savings on October 31. Account renews annually.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
Sources (3)
- sccu.com/personal/savings-accounts
- sccu.com/personal/savings-acco…s/christmas-club-savings
- sccu.com/personal/consumer-rates
All captured Oct 5, 2026
Who can join Space Coast Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to all who work or live in Alachua, Brevard, Broward, Charlotte, Citrus, Clay, Collier, Duval, Flagler, Hernando, Hillsborough, Indian River, Lake, Lee, Manatee, Marion, Martin, Miami-Dade, Monroe, Nassau, Okeechobee, Orange, Osceola, Palm Beach, Pasco, Pinellas, Polk, Putnam, Sarasota, Seminole, St. Johns, St. Lucie, Sumter, or Volusia Counties in Florida.
Family and household
- Membership is open to relatives of current members.
Membership information collected October 5, 2026.