Space Coast Credit Union

31 ratings (31 Epinions reviews)
Epinions Product Rating: Disappointing
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    Highest Rated Consumer Review by the Community

  • Space Coast WHAT? Credit Union? Really?

    Jul 6, 2011 by
    Rated a Very Helpful Review
    Pros: They don't have "bank" in their name.
    Cons: They charge ridiculous fees and behave like the worst of customer-unfriendly banks.

    Summary: I joined Eastern Financial Florida Credit Union in 2003. I was extremely happy with the lack of nonsense fees. There was no fee on my checking account, regardless of balance, the only requirement being payroll direct deposit... no problem there. ... read more

  • Bank with SCCU if you don't want to keep your own money.

    Aug 26, 2011 by
    Not yet rated.
    Pros: None
    Cons: Slow to respond to inquiries, Insane fees, no local branches, not in an ATM network

    Summary: I was a member at EFFCU, joined back in the 90s, and thoroughly enjoyed my membership with them for over a decade. Sadly, they were bought out or merged into or whatever, the current SCCU, which has been a joke from the get go. I had a used auto ... read more

  • Eastern has gone down the tubes since it was taken over by SCCU

    Feb 22, 2011 by
    Not yet rated.
    Pros: Since the SCCU takeover of EFFCU, the pros have been NONE, ZIP ZERO.
    Cons: Higher feeds, no more Publix ATMs, shorter hours, lousy loan rates.

    Summary: Since EFFCU spent all their members money on commercial real estate speculation like a drunken sailor on shore leave, SCCU took over the smoldering ruins on nearly bankrupt EFFCU.  I kind of wondered why early on, but soon realized that SCCU was ... read more

  • Poor Service & Not Worth the Time

    Nov 2, 2010 by
    Not yet rated.
    Pros: Its not a bank.
    Cons: Poor service & capabilites.

    Summary: I had been a member of the former Eastern Financial Florida Credit Union, for which Space Coast recently assumed command of.  I had, and stress the past tense of the word "had", my checking, savings, auto loan, and mortgage with them.  Upon ... read more

  • Terrible credit union

    Jun 30, 2010 by
    Not yet rated.
    Pros: NONE! NONE! NONE!
    Cons: EVERYTHING! 

    Summary: I was also a member of EFFCU since my teens and I was very very very satisfied with them. SCCU charges for anything and everything. I use to have 6 free transfers a month from my savings to my checking if it went over. When I got the welcome letter it ... read more

  • SCCU's Real Estate Rebate Progam

    Oct 5, 2007 by
    Rated a Helpful Review
    Pros: Received $1500 from the realtor I worked with and SCCU's closing cost were already lowest
    Cons: Have to use an SCCU realtor but well worth it

    Summary: After reading a negative review of SCCU mortgages (posted in 2000), I feel compelled to write about a very positive, recent experience. I was attracted to SCCU for my mortgage because of an ad regarding their Real Estate Rebate Program. If you're not ... read more

  • Mortage Department

    Nov 13, 2000 by
    Rated a Very Helpful Review
    Pros: Rates and only the rates
    Cons: Extremely poor customer service,

    Summary: My experience in purchasing my first home through Space Coast Credit Union is without a doubt the most frustrating and stressful experience I have had in my life thus far. I feel at times I was mislead, was given conflicting information by employees of ... read more

  • Better than local banks

    Apr 5, 2000 by
    Rated a Very Helpful Review
    Pros: High average rates
    Cons: ATMs and branches not very convenient

    Summary: Which is pretty much obvious. SCCU in general has lower loan rates & nuisance fees. As for payments on CD's and accounts, their interest rates are one of the highest in the area, but generally not the absolute highest. You can get better ... read more

  • Express Customer Reviews

  • SCCU Sucks

    May 1, 2013 by
    Not rated yet
    Pros: NONE...NEVER HAD ANY...NEVER WILL.
    Cons: RUDE, STUPID, UNPROFESSIONAL

    Summary: They are the only financial institution I have ever heard of that does not recognize a CASHIERS CHECK as cash and holds it for 3 days waiting for it to clear. ... read more

  • Space coast credit union

    Nov 7, 2012 by
    Not rated yet
    Pros: nothing anymore
    Cons: customer service

    Summary: I had this bank for ten years. I just got back from deployment to iraq after 6 months. I found out they closed my credit card account for missed payment. I explained i was out of the country and would like to pay in full today. I was told there is a fee ... read more

  • Liars

    Oct 16, 2012 by
    Not rated yet
    Pros: They are quick to take your busuness...
    Cons: They lie to take your business

    Summary: I called them shopping for a HELOC, they offered a great fee and assured me that there was NO appraisal charges. I asked and made sure there was no surprises before they run my credit! Three days later they call me to ask for $400.00 to conduct an ... read more

  • Petty

    Oct 1, 2012 by
    Not rated yet
    Pros: Zip
    Cons: Inconsistent, illogical and petty

    Summary: I found the service to be inconsistent and the explanations to be void of any logic. You are at the mercy of what ever rule that they wish to make up today. Despite any inconvenience it may cause ... read more

  • SCCU HOLDS CASH DEPOSITS

    Apr 16, 2012 by
    Rated Show
    Pros: Great interent rates on car loans
    Cons: BEWARE! They time the transactions to their advantage to charge fees!

    Summary: Made a cash deposit at the ATM!! I have been frustrated with the level of services SCCU offers compared to every other bank I've used. I will leave $5.00 in my checking account while I shop around for a car loan to pull it from SCCU.  And I ... read more

  • This bank is the worst in Florida

    Apr 13, 2012 by
    Rated Show
    Pros: Read Cons
    Cons:
    - Non considerate
    - Rude
    - Ruthless
    - Greedy
    - They don't care about their customers

    Summary: Don't take any loan from this bank whatsoever. You have been warned. I took a loan from Eastern Financial Florida Credit Union then SCCU bought the bank. Since then things are horrible. The managements are rude and not considerate at all. I ... read more

  • The CEO is making a bet he will lose.

    Mar 19, 2012 by
    Not rated yet
    Pros: No pros that I can think of anymore.
    Cons: Additional fees now. No ATM network. CEO is working angles instead of improving the product.

    Summary: I believe the new fees are the decision from the top CEO management group for the sole purpose of working angles for big yearly bonuses. I hope their gamble cost them big time. They know it’s a hassle to change banks but I think this credit union ... read more

  • Sucks

    Feb 23, 2012 by
    Not rated yet
    Pros: Nothing good
    Cons: fees

    Summary: This bank sucks!!! Fees are ridiculous. Even when you call to ask for your balance there is a fee. Run, do not put your money here. I opened account when it was Eastern Financial in 1987 and was very happy until Space Coast took over.Alana ... read more

  • Not surprised by customers' bad experiences

    Dec 13, 2011 by
    Not rated yet
    Pros: None.
    Cons: Clueless managers. Poor customer service. No regard for anything but money.

    Summary: No one should be surprised by all of the negative customer experiences at SCCU. Anyone who knows anything about the way this credit union is managed can tell you that managers are poorly trained and empowered to mistreat their quality subordinates as ... read more

  • old eastern customer

    Sep 11, 2011 by
    Not rated yet
    Pros: none
    Cons: mismanagement screams "get your money out while you can!"

    Summary: Run from this bank!!!This credit union took over eastern financial and converted the system over a year ago and still till this day they can't get things right! If you had a loan with eastern you are really screwed, the payment ... read more

  • New Low Balance Fee?

    Jun 3, 2011 by
    Not rated yet
    Pros: They used to have the best rates around.
    Cons: Acting like a Big Bank now with nickel and dime fees.

    Summary: After having been a very happy EFFCU member for years, I am not very happy with SCCU and the nickel and dime fees these people are now charging. I just was charged a low balance fee of $6.00 when I have almost $500 in my checking account. Why??? For ... read more

  • DISORGANIZED AND RUDE

    May 2, 2011 by
    Not rated yet
    Pros: able to offer lower rates for auto loans and such.
    Cons: Few Branch offices, unable to talk or reach supervisors who know what is going on.

    Summary:  This institution, IMHO is rude, and disorganized.  After 25 years as a member of EFFCU, the day SCCU took over the miscommunication was not only noticeable it affected the way they handle most banking issues.   1. My family of ... read more

Showing 1-20 of 31 reviews
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