Space Coast Credit Union Cutler Bay FL: Affordable Auto Loans & Business Banking

Introduction

Welcome to Space Coast Credit Union, where our commitment to serving the community shines as bright as the Florida sun! Located at 19455 S Dixie Hwy, Cutler Bay, FL 33157, we have proudly established ourselves as a trusted financial partner since 1951. With over 667,000 members and total assets amounting to an impressive $8,808,246,174, we are here to support your financial journey with a range of personalized banking solutions. Our dedicated team, led by CEO Tim Antonition and Board President Thomas Myers, works diligently to provide exceptional service tailored to your needs. We understand that every member's financial situation is unique, which is why we offer a variety of services including personal and business loans, checking and savings accounts, credit cards with rewards, and more. At Space Coast Credit Union, we believe in building strong relationships with our members. Our total deposits stand at $675,598,920, reflecting the trust our community places in us. Additionally, our net worth of $940,367,420 highlights our stability and commitment to safeguarding your finances. While you can visit us at our Cutler Bay branch for all your banking needs, please note that official correspondence should be sent to the same address: 19455 S Dixie Hwy, Cutler Bay, FL 33157. Whether you're looking for help with auto loans (we have over 321,000 loans and leases) or exploring mortgage options, we're just a phone call away at 305-882-5000. Join us at Space Coast Credit Union today and experience firsthand how we prioritize your financial well-being! Don't hesitate to check out our website at sccu.com for more information on our services or to get started on opening an account. Your journey towards financial empowerment begins here!

Branch History & Mission

At Space Coast Credit Union, we believe in building a strong community and supporting our members' financial journeys. Established in 1951, our branch has proudly served the residents of Cutler Bay, FL, growing alongside them for over seven decades. Located at 19455 S Dixie Hwy, Cutler Bay, FL 33157, we are conveniently situated near local landmarks that make it easy for our members to find us. Since opening our doors, we have consistently aimed to provide exceptional service and innovative financial solutions. Today, we are proud to serve a diverse membership of 667,013 individuals while managing total assets of approximately $8.8 billion. Our commitment to our members has not only fueled our growth but also allowed us to enhance the services we offer. Our mission is clear: to empower our members through accessible financial products and community support. We understand that each member's needs are unique, and we strive to provide personalized services ranging from checking and savings accounts to auto loans and mortgage financing. We also offer resources for debt consolidation and business banking, ensuring that everyone can find the right solutions tailored just for them. At Space Coast Credit Union, we prioritize convenience and accessibility. Members can enjoy our ATM services and drive-thru banking options during operating hours: Lobby Hours from Monday to Thursday 9 AM - 5 PM, Friday 9 AM - 6 PM, with Drive-Thru Hours Monday to Friday from 8 AM - 6 PM and Saturday from 9 AM - 1 PM. While you can visit us at our branch for all your banking needs, official correspondence should be sent to the same address: 19455 S Dixie Hwy, Cutler Bay, FL 33157. In addition to offering traditional banking services, we embrace technology with online banking and mobile payment options that provide members with flexibility and ease of access. Our focus on customer-centric initiatives ensures that we're here for you whenever you need us. Community outreach is at the heart of what we do. We partner with local organizations and participate in events that enrich the lives of those around us. By working together with our neighbors in Cutler Bay and beyond, we aim to create a brighter future for all. Join us at Space Coast Credit Union today! Experience firsthand how we can support your financial goals while being an active part of your community. Reach out to us at 305-882-5000 or visit our website here to learn more about becoming a member!

Branch Location & Accessibility

Convenient Access and Nearby Landmarks

Our branch stands close to popular spots like the Cutler Ridge Park, making it easy to combine your visit with a day out. Parking is ample and designed for your ease, ensuring you can quickly find a spot when you arrive. Plus, we're committed to accessibility for everyone, featuring ADA-compliant facilities and ramps that make it easy for all members to visit us.

Friendly Operating Hours

We know that life can get busy! That's why we offer flexible hours to suit your schedule. Join us in our lobby from Monday to Thursday between 9 AM and 5 PM, and on Fridays from 9 AM to 6 PM. If you're on the go, take advantage of our drive-thru service available Monday through Friday from 8 AM to 6 PM and on Saturdays from 9 AM to 1 PM.

Services Tailored for You

At Space Coast Credit Union, we pride ourselves on offering a variety of services designed with your needs in mind. From personal banking options like checking and savings accounts to auto loans, mortgage refinancing, and credit cards with rewards there's something here for everyone. Need cash? Our ATM is available around the clock for withdrawals and balance inquiries. Whether you have questions about our services or need assistance with your account, don't hesitate to reach out! You can call us at 305-882-5000. We look forward to welcoming you at our branch soon!

Member Eligibility

Becoming a member of Space Coast is like stepping into a welcoming community where your financial well-being is our priority. If you live, work, or attend school in the area around 19455 S Dixie Hwy Cutler Bay Fl 33157, you're already on your way to joining us! We also welcome family members of current members, ensuring that your loved ones can benefit from our services too. At Space Coast, you'll enjoy a range of advantages such as competitive rates on loans and savings, personalized service, and access to various financial products designed just for you. For more detailed information about eligibility criteria, feel free to check out this resource. Once you're ready to open an account, the process is simple! Visit us online at http://www.sccu.com/personal/auto-loans, or give us a call at (305) 882-5000 we're here to help you every step of the way!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $146 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $3 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $53,219,027, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In today's fast-paced market, efficient payment solutions are key. Our merchant services empower you to accept payments seamlessly, whether in-store or online. Imagine a busy Saturday at your café; with our easy-to-use payment systems, your customers can enjoy their lattes while you keep the lines moving smoothly. Partnering with us means you're not just getting a service; you're gaining a supportive ally focused on your financial well-being. Visit us at 19455 S Dixie Hwy Cutler Bay Fl 33157 or call us at (305) 882-5000 to explore how our business banking solutions can help you thrive!

Comprehensive List Of Services

Business Banking Solutions

For entrepreneurs and business owners, our offerings extend into the realm of business banking. We provide essential tools like merchant services to streamline transactions and business loans to fuel growth. Your success is important to us, and we're here to support your journey.

Convenience at Your Fingertips

In today's fast-paced world, convenience matters. That's why we offer robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. With just a few taps on your phone or clicks on your computer, you can check balances, transfer funds, and pay bills effortlessly. Our ATM services ensure easy cash withdrawals and balance checks whenever you need them. Need assistance with simple transactions? Our basic drive-thru banking offers quick deposits and withdrawals without stepping out of your car.

Get Started Today!

Whether you're interested in personal or business banking solutions, our team at Space Coast is eager to assist you. Reach out to us at (305) 882-5000, or visit us at our branch location in Cutler Bay. Discover how we can help you achieve your financial goals today! For more information about all our services, please visit our website at https://www.sccu.com.

Personal Banking Services

Navigating your finances can be daunting, but with our personal banking services, it doesn't have to be. From checking and savings accounts that help you manage your daily expenses and save for future goals, to auto loans and vehicle financing that get you behind the wheel of your dream car, we've got you covered. Imagine driving off in a new vehicle while knowing you're backed by favorable loan terms designed just for you! If homeownership is on your mind, our mortgage loans and refinancing options can help make that dream a reality. We understand that every dollar counts, which is why our personal loans and debt consolidation services aim to ease financial burdens and simplify repayments. Plus, with our credit cards featuring rewards, every purchase brings you closer to exciting perks.

Digital & Online Banking

Key Features

With our online banking platform, accessible at https://www.sccu.com, you can check your account balances, pay bills, and transfer money anytime day or night. Our 24/7 online banking services ensure that you are always in control of your finances. Plus, for those who prefer to handle transactions via their mobile devices, our mobile application is available for easy access wherever you are. Have you ever needed to send money quickly? With our person-to-person transfer feature, you can send funds to friends or family in just a few taps. And if you're looking to simplify your paperwork, our electronic signature authorization makes signing documents quick and hassle-free.

Security and Accessibility

Security is our top priority. We employ advanced measures to keep your information safe while you enjoy the ease of digital banking. Our e-statements feature helps reduce clutter and keeps your financial records organized available whenever you need them. Additionally, if you're someone who loves the convenience of mobile payments, you'll be pleased to know that we support this feature too! It allows you to make transactions with just a swipe of your phone. Whether you're checking your balance from the couch or making a payment during lunch, Space Coast's digital banking services put the power in your hands. Experience banking that's not just accessible but also tailored to meet your needs today!

Financial Strength

Comprehensive Lending Support

Our lending capacity supports members' financial goals across various sectors with $99,682 in used auto loans and a total of $7,178,163,645 in loans and leases. This extensive portfolio enables us to cater to your specific needs whether you're buying a vehicle or looking for personal loans.

Growing Membership Trust

With total share accounts reaching 1,177,864, we showcase a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $10,326,302 highlights our ability to invest back into our community. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Space Coast is your trusted partner. Visit us at 19455 S Dixie Hwy Cutler Bay Fl 33157 or call (305) 882-5000 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $2,343,845,070 in share certificates and $620,520,284 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $226,197,323, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $14,323,000 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 1,116 full-time employees and 7 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

With $885,479,932 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This commitment to growth allows us to support your financial goals effectively.

Strong Financial Health

With a net worth of $940,367,420, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.66% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already issued over $2,020,416,837 in used vehicle loans and $1,749,623,257 in new vehicle loans, making it easier for members to get on the road with a vehicle that suits their lifestyle. Whether you're interested in financing a new or used vehicle, we're here to support you every step of the way.

Business Loans

For business owners looking to expand or invest in new opportunities, our outstanding commercial loans totaling $53,219,027 provide the necessary capital for growth. We understand that running a business comes with its challenges and are committed to helping entrepreneurs succeed. Our commitment to transparency means you can always rely on performance insights and financial data sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. If you're interested in any of these loan offerings or would like more information on refinancing options or eligibility criteria, feel free to contact us at 305-882-5000. Our friendly staff is ready to assist you during lobby hours from Monday to Thursday 9 AM - 5 PM and Friday 9 AM - 6 PM. We also offer convenient drive-thru service during weekdays from 8 AM - 6 PM and Saturday from 9 AM - 1 PM. At Space Coast Credit Union, we're here to help you navigate your financial journey with confidence!

Credit Lines and Unsecured Loans

We also provide flexible credit lines totaling $2,218,115,915 to help our members manage their finances effectively. For those seeking credit without collateral, our unsecured credit card loans amounting to $186,755,919 offer great terms designed for everyday expenses and emergencies alike.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $768,602,983. We make buying or refinancing straightforward and stress-free. Our team can guide you through various eligibility options and refinancing opportunities to ensure you find the best solution for your housing needs.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This transparency helps users navigate their options with confidence. LendMesh ensures accurate loan comparisons through a robust sourcing process. Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment to compliance guarantees that all offers are fair and transparent, giving users peace of mind as they explore their borrowing options. One of the standout features of LendMesh is its focus on verified data. All loan offers come from legitimate financial institutions, ensuring that users receive trustworthy information. Additionally, LendMesh does not have sponsored listings; lenders are not prioritized based on paid promotions. This means users can rely on LendMesh for unbiased results that reflect true market conditions. The platform also provides real-time rate comparisons from multiple institutions, which empowers users to make informed decisions quickly. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

SPACE COAST CREDIT UNION - Cutler Bay, FL

Type of Loan Offerings

Personal Loans

Vehicle Loans

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