Home & Mortgage
Featured Articles
Common Checking Account Fees to Avoid
agosto 21, 2024 By Space Coast Credit Union
Opening a checking account? Let’s help you steer clear of common fees. We’ll guide you through them and share how to open a Free Checking account at SCCU.
How to Help Kids and Teens Save More Money
junio 20, 2024 By Space Coast Credit Union
This article will cover a variety of tips to help kids and teens learn practical hands-on ways to build essential money management skills.
Definitive Guide to Student Credit Cards
mayo 28, 2024 By Space Coast Credit Union
High school students can practice financial responsibility through a student credit card!
How to Open a CD in Florida with Space Coast Credit Union
abril 26, 2024 By Space Coast Credit Union
See all the steps to open a CD in Florida with Space Coast Credit Union.
Honestly Free Business Checking
marzo 22, 2024 By SCCU's Business Services
Owning and operating a business is a lot of work, and every penny adds up to the bottom line. You should be able to trust your financial institution to be a partner in your success.
Why Visa Signature is the Best Points Credit Card (With No Annual Fee!)
febrero 23, 2024 By Space Coast Credit Union
Looking to get a credit card? Here are numerous reasons why Visa Signature is the best points-based credit card (with no annual fee!).
Down Payments: How Much is Enough?
febrero 12, 2024 By Space Coast Credit Union
Making a down payment is an investment and, as with any investment, it's important to weigh the pros and cons.
Categorías de artículos
noviembre 8, 2024 By Space Coast Credit Union
Learn how to earn even more credit card rewards with this step-by-step guide!
octubre 11, 2024 By Space Coast Credit Union
Discover the best features of SCCU’s new Online & Mobile Banking and why this upgrade enhances your experience!
septiembre 6, 2024 By Space Coast Credit Union
Need a small business loan to buy a structure, equipment, or vehicles? Learn more here.
agosto 21, 2024 By Space Coast Credit Union
Opening a checking account? Let’s help you steer clear of common fees. We’ll guide you through them and share how to open a Free Checking account at SCCU.
junio 20, 2024 By Space Coast Credit Union
This article will cover a variety of tips to help kids and teens learn practical hands-on ways to build essential money management skills.
mayo 28, 2024 By Space Coast Credit Union
High school students can practice financial responsibility through a student credit card!
abril 26, 2024 By Space Coast Credit Union
See all the steps to open a CD in Florida with Space Coast Credit Union.
abril 5, 2024 By Space Coast Credit Union
Are you worried about what will happen to your credit score if you pay a loan off early? Learn more here.
marzo 22, 2024 By SCCU's Business Services
Owning and operating a business is a lot of work, and every penny adds up to the bottom line. You should be able to trust your financial institution to be a partner in your success.
febrero 23, 2024 By Space Coast Credit Union
Looking to get a credit card? Here are numerous reasons why Visa Signature is the best points-based credit card (with no annual fee!).
febrero 12, 2024 By Space Coast Credit Union
Making a down payment is an investment and, as with any investment, it's important to weigh the pros and cons.
enero 22, 2024 By Space Coast Credit Union
Learn more about what a balance transfer is and how it can help you cut down on debt and save more money.
enero 9, 2024 By Space Coast Credit Union
With tax season in full swing, the risk for tax-related identity theft becomes an increasing threat.
diciembre 15, 2023 By Space Coast Credit Union
Secured lending refers to loans requiring collateral for loan approval. Types of collateral loans include secured credit cards & loans secured by bank accounts.
diciembre 1, 2023 By Space Coast Credit Union
In fact, it's one of the best times. Here's why.
octubre 24, 2023 By Space Coast Credit Union
It's a question we get asked frequently, and there are many factors that go into answering it...
septiembre 27, 2023 By Space Coast Credit Union
As time and technology evolve, so will fraudsters' tactics to take advantage of the vulnerable.
agosto 31, 2023 By Space Coast Credit Union
Here are 10 ways to save money while in college, allowing you to spend less time staring at an empty bank account and more time living the fun college life.
agosto 18, 2023 By Space Coast Credit Union
Perhaps your employer doesn’t offer a 401(k) or you’re self-employed. See some of the best alternative ways to save for retirement.
julio 27, 2023 By Members' Watchdog
You might receive offers in the mail or at stores to apply for a credit card. But you might be concerned that having too many credit cards may negatively impact your credit.
junio 29, 2023 By Members' Watchdog
While generally an auto loan makes more financial sense, your situation may call for a personal loan. In this article, we’ll cover the pros and cons of each type of loan to help you decide.
junio 2, 2023 By Members' Watchdog
We break down how to find the best student checking account for teens in just five steps. See them here!
mayo 17, 2023 By Space Coast Credit Union
Find out what auto loan GAP insurance is, along with when and why it can be a real life saver.
mayo 12, 2023 By Space Coast Credit Union
SCCU’s Member’s Watchdog is a symbol of our commitment to protect our members and their financial interests.
abril 24, 2023 By Space Coast Credit Union
Learn the differences between fixed-rate, ARM and other mortgages in our guide to mortgage loans. Find out how to choose the lender that's right for you.
abril 10, 2023 By Space Coast Credit Union
Whether you’re looking at buying a new or used motorcycle, this guide will cover all you need to know about financing one in Florida.
marzo 17, 2023 By Space Coast Credit Union
Every small business has to start somewhere with their branding though, right? We’ll cover how to brand your business step by step in this article.
marzo 10, 2023 By Members' Watchdog
Money market accounts offer a plethora of savings benefits. Explore them all here.
febrero 17, 2023 By Space Coast Credit Union
Ready to remodel? Here are three important home improvement tips.
febrero 13, 2023 By Space Coast Credit Union
Laddering CDs involves opening multiple CDs with staggered maturities. Let’s break down CD ladders so you can divide and conquer!
febrero 3, 2023 By Space Coast Credit Union
We’ll go over the advantages and disadvantages of debit cards vs. credit cards. Plus, we’ll answer when’s the best time to use each card.
enero 27, 2023 By Space Coast Credit Union
You may like to get a good sense of what you can afford, and financial institutions can help with that—by either pre-approving or pre-qualifying you for a certain dollar amount for the car loan.
enero 13, 2023 By Space Coast Credit Union
In this step-by-step guide, we'll take the mystery out of the process of buying a house for the first time in Florida.
diciembre 28, 2022 By Space Coast Credit Union
In this article, we’ll break down how to make a budget for beginners and how to stick to a budget once you’ve created one.
diciembre 19, 2022 By Space Coast Credit Union
Certificates of deposit (CDs) are a special type of savings account with a guaranteed rate of return over a certain timeframe so you can give your savings a raise even while you sleep!
diciembre 9, 2022 By Space Coast Credit Union
We’re sharing our top financial tips, with words of wisdom from SCCU Team Members, to help you improve your overall financial wellness.
noviembre 25, 2022 By Space Coast Credit Union
When you’re seeking a Visa card and all its conveniences—but facing a roadblock with a lack of credit history—a secured credit card can help.
noviembre 7, 2022 By Space Coast Credit Union
Payment apps come with serious limitations, and since scammers have been wiggling freely through these loopholes, your hard-earned money could be at risk.
noviembre 4, 2022 By Space Coast Credit Union
If you're unfamiliar with all SCCU can do to support your company's success, use this guide to get to know us!
octubre 28, 2022 By Space Coast Credit Union
See our step-by-step guide on how to buy a new car. Plus, we provide some expert tips to help you save while buying your new ride!
octubre 19, 2022 By Space Coast Credit Union
Visa Signature offers a rewards program, travel perks, low variable rates, security features, and more. We’ll give you the 360-degree view of why this card is worth having in your pocket.
octubre 4, 2022 By Space Coast Credit Union
By regularly depositing your hard-earned money into a high-yield savings account, you could be on a faster path to achieving your dreams.
septiembre 23, 2022 By Space Coast Credit Union
We offer a full financial suite of products and services. Let’s dive into all of them!
septiembre 16, 2022 By Space Coast Credit Union
Perhaps unexpected expenses are piling up, and you’re scrambling to figure out how to pay them all. We’ll cover how to consolidate debt in this article, which could be a light at the end of the tunnel for you.
septiembre 9, 2022 By Space Coast Credit Union
Who doesn’t love earning money while spending money? Space Coast Credit Union’s (SCCU)’s Visa® Platinum—the star of the best cash back credit cards—gives you the power to do just that.
agosto 26, 2022 By Space Coast Credit Union
You’re probably well aware of what a credit score is, but what exactly determines your overall credit, and how does it benefit you?
agosto 19, 2022 By Space Coast Credit Union
Both CDs and money market accounts offer low-risk ways to earn more interest on your savings. Find out which one's for you here.
agosto 11, 2022 By Space Coast Credit Union
Business advisors are resources that not only can help business owners overcome hurdles, but can also help them get on a better path to achieving their goals.
agosto 4, 2022 By Space Coast Credit Union
Whether you’re considering buying your first home or thinking of refinancing your current mortgage, a mortgage loan calculator or refinancing calculator can help.
julio 28, 2022 By Space Coast Credit Union
This is the ultimate guide to auto financing to help you get the best car loan at the best rate. Plus, we sprinkle in helpful tips about refinancing, GAP insurance, and more.
julio 21, 2022 By Space Coast Credit Union
With everything from rates to perks, you may find yourself on the fence as you're making your decision between Visa® Platinum or Visa Signature®. This article provides a comparison between the two to help you decide.
julio 13, 2022 By Space Coast Credit Union
It's always a good idea to prepare for a hurricane before it's even on the radar. Here's a checklist to help you get started.
julio 6, 2022 By Space Coast Credit Union
If you’re wondering if you can buy a house with no money down, the good news is that yes, as long as you meet the qualifications, you can! This article covers no- or low-money-down home loan options.
junio 29, 2022 By Space Coast Credit Union
Not sure if it's better to get an IRA or a 401(k)? Learn more about their differences here and how they can help you save for retirement.
junio 22, 2022 By Space Coast Credit Union
From depositing checks to paying bills, your checking account should work FOR you and not against you with unnecessary extra monthly fees. See why it's worth switching to a Free Checking account at SCCU.
junio 9, 2022 By Space Coast Credit Union
If you’re unhappy with your current auto loan, you’re probably wondering how soon you can refinance to get a better deal.
mayo 20, 2022 By Space Coast Credit Union
Adjustable-rate mortgages (ARMs) typically offer low rates in the beginning of the loan term. Not sure if an ARM is right for you? This article will demystify an adjustable-rate mortgage and cover its pros and cons to help you decide.
mayo 9, 2022 By Space Coast Credit Union
If you’re ready to make a used or new purchase for RVs, motorcycles, or boats, then you’re in the right place to learn more about getting the financing you need for your fun.
abril 22, 2022 By Space Coast Credit Union
This construction loan guide is to help you understand everything you need to know about how construction loans in Florida work and how these unique instruments can benefit you during construction.
abril 12, 2022 By Space Coast Credit Union
With Americans spending more than 37% on average for housing costs, choosing to rent vs. buying a house can be a difficult decision. Here we look at the pros and cons of each to help you decide which path might work best for you.
marzo 28, 2022 By Space Coast Credit Union
Knowing how to properly keep track of the money coming in and out of your accounts can better help you navigate your business accordingly and pivot when necessary.
marzo 22, 2022 By Space Coast Credit Union
It’s a good idea to explore your financing options before shopping for vehicles to gear you up better for car-buying success, which usually begins with an auto loan pre-approval from a credible lender like SCCU.
marzo 15, 2022 By Space Coast Credit Union
If you qualify for a U.S. Department of Veterans Affairs (VA) loan, then this option is likely your best choice for financing your home purchase because of the benefits this type of loan provides. The United States government designed this mortgage program to help active service members, military veterans, and certain surviving spouses purchase a home.
marzo 4, 2022 By Space Coast Credit Union
In this article, we discuss our Hero Home Loan options in depth, such as their features, requirements, eligibility, and examples of each option in action, to help heroes choose the one that best fits their financial needs.
febrero 23, 2022 By Space Coast Credit Union
You’re walking along the beach and begin to feel thirsty. Your heart sinks once you realize your wallet is over a mile away. But then you realize that you have your phone with you, which means you can still access all of your cards through your digital wallet app! Learn more about all of its benefits here.
febrero 15, 2022 By Space Coast Credit Union
Credit cards offer several benefits from covering emergencies to earning rewards. But with so many card options available (and vying for your attention) with cash back or points, it can be overwhelming to choose a rewards program that’s best for you. In this article, we’ll discuss the pros and cons of each type to help you score rewards in no time!
febrero 7, 2022 By Space Coast Credit Union
This post will guide you through the process of getting a conventional home loan, from its options to its requirements.
enero 28, 2022 By Space Coast Credit Union
Checking accounts are like a Grand Central Station for your money—flowing in and out with deposits and withdrawals. Many banks and credit unions offer free checking accounts, but what exactly is a free checking account and why should you get one?
enero 24, 2022 By Space Coast Credit Union
FHA loans offer a more accessible avenue to homeownership for many people thanks to its low down payment and credit score requirements. Not sure if you meet the qualifications, or if it’s a good fit for you?
enero 14, 2022 By Space Coast Credit Union
If you feel like you’ve come to a fork in the road while deciding between a 60- or 72-month auto loan, you’ve come to the right place. We're covering the pros and cons of both in this post to help you make a final decision.
enero 7, 2022 By Space Coast Credit Union
When you want to borrow money—perhaps for a mortgage or a car loan—or to get approved for a credit card, lenders typically require a decent credit score. But, what is a good credit score, and how can you make sure you have one?
diciembre 31, 2021 By Space Coast Credit Union
There are many types of fraud out there, but there are also measures you can take to protect yourself against them.
diciembre 29, 2021 By Space Coast Credit Union
If you’ve been thinking about applying for a home loan or refinancing, but you’re unsure you can afford closing costs and a down payment, a no closing costs mortgage may be right for you.
diciembre 21, 2021 By Space Coast Credit Union
Today, strategically selecting whether or not to use a credit card and which one to use can be part of savvy financial management. We're taking a look at why the Visa® Platinum credit card at SCCU may be the one for you.
diciembre 10, 2021 By Space Coast Credit Union
Saving money can be challenging. But after the holiday season, it’s often a top New Year’s resolution. From joining special savings accounts to making some daily item switches, we’ve rounded up 10 ways that could save you thousands of dollars a year!
diciembre 7, 2021 By Space Coast Credit Union
This past year, we commemorated our 70th anniversary with a focus on kindness, giving away over $30,000 to our members and communities throughout our service area along Florida's east coast.
diciembre 1, 2021 By Space Coast Credit Union
You may have lots of questions when it comes to getting a construction loan, and we’d like to help lessen your stress. With some knowledge under your belt, you’ll be well on your way to breaking ground.
noviembre 18, 2021 By Space Coast Credit Union
In many cases, people save more money in the long run after refinancing and end up with a better monthly auto loan payment. However, many other factors play a part in determining if it’s a good idea to refinance your car loan.
noviembre 12, 2021 By Space Coast Credit Union
Here are our top do’s and don’ts to keep in mind while holiday shopping with credit cards.
noviembre 4, 2021 By Space Coast Credit Union
Today in the ring: 30-year fixed-rate mortgage vs. 15-year fixed-rate mortgage. In this article, we’re going to cover the pros and cons of each mortgage term to help you make a more informed decision. And along the way, we’ll provide some helpful tips to keep in mind.
octubre 26, 2021 By Space Coast Credit Union
Once you’ve decided to purchase a used car, here are seven steps you can take to streamline the process and help you get the best deal.
octubre 19, 2021 By Space Coast Credit Union
It’s a haunting notion to think about the chilling consequences of identity theft, yet with the holidays around the corner, it’s important to protect your digital home. With the spikes in online shopping and email activity this time of year, scammers make more attempts to capture financial information. But with a dash of caution and a sprinkle of reviewing settings, you can fortify your defenses against cybersecurity threats.
octubre 12, 2021 By Space Coast Credit Union
Whether you’re looking to transform your home renovation dreams into reality, plant seeds for investments, or cover unforeseen expenses, you have a variety of options when it comes to how you can tap into your wellspring of home equity. But which option is best for you? In this article, we’ll explore the pros and cons of HELOC loans vs cash-out refinancing.
octubre 5, 2021 By Space Coast Credit Union
If you dream of enjoying the Florida waterways in a sailboat, powerboat, motorboat, cabin cruiser, or other boat type of choice, here’s what you should know about financing and the boat loan process. Fortunately, the purchase process is easier than you might think. We’ll take you through the entire process to help you find the best boat loan for you.
septiembre 28, 2021 By Space Coast Credit Union
Maybe you’ve run into the following paradox: How do I get a credit card with less-than-perfect credit (or no credit) if I need a credit card to build my credit? You’re in luck because secured credit cards break this cycle!
septiembre 21, 2021 By Carmen Tapanes
While teens can watch hundreds of videos on the Internet about finances, experience is often the best teacher when it comes to managing money. But it can feel overwhelming for them to know where to start learning the fiscal ropes. Opening a checking account gives them a learner’s permit to handling financial matters with the peace of mind of having an adult as the co-owner.
septiembre 14, 2021 By Space Coast Credit Union
When searching for the right checking account, most people would prefer one that’s “free” — and rightly so. But it can be hard to know what exactly “free” means today when we know that fees and terms are often the name of the game. The reality is that financial institutions will define "free" in different ways.
septiembre 2, 2021 By Space Coast Credit Union
Refinancing a car involves replacing the current loan on your vehicle with a new loan that typically has more agreeable terms. This can take place with your current lender or with a different one. To help you navigate this process, we’re sharing the pros and cons of refinancing a vehicle, the steps involved in refinancing, and when it makes sense to do so.
agosto 27, 2021 By Space Coast Credit Union
Home loans are the key to turning a house you love into a home that belongs to you. As you’re exploring your options, you may stumble across FHA loans and wonder what they entail and if one’s right for you. FHA loans have many different benefits and are targeted at helping both new home buyers achieve the dream of home ownership and those looking to refinance.
agosto 20, 2021 By SCCU's Business Services
Space Coast Credit Union (SCCU) is pleased to announce the winner of its “Small Business. Big Love. Contest" and the grand prize of $5,000. Hummingbird Pantry, a non-profit organization and SCCU member since 2017, won the contest with more than 11% of the votes cast.
agosto 20, 2021 By Jodie Kinley-Smith & Duane Daski
We’re in a strange economic time right now with many dealers having an extreme shortage of inventory due to a chip shortage. Chips, or semiconductors, play an essential role in managing vehicles’ safety devices, engine functions, and more. Because of the pandemic, U.S. automakers had to close factories to slow the spread of the virus and cancelled chip orders, expecting fewer people to buy.
agosto 12, 2021 By Space Coast Credit Union
Refinancing your mortgage can help you save money with a lower interest rate and get you to the home ownership finish line faster than your current one. Or, it could be a good way for you to cash out on some of your home’s equity for other projects. To determine if it’s the right path for your goals, it’s best to understand how mortgage refinancing works more in depth.
agosto 5, 2021 By Space Coast Credit Union
Do you feel like your brain’s dissolving into Jell-O as you’re exploring car loan repayment periods? It can feel overwhelming as you’re weighing the pros and cons between short-term and long-term loans. Common car loan terms usually range between 24 and 84 months—but which one is right for you?
julio 29, 2021 By Space Coast Credit Union
Whether you’re getting your feet wet or diving in the world of loans, a HELOC is often a prime choice for borrowers. And the crown molding on top? You can often get a lower interest rate with a HELOC than with other types of loans and credit cards! See our 5 top tips to getting the best HELOC rates...
julio 23, 2021 By Space Coast Credit Union
Credit cards can be an excellent tool for building credit when you’re financing purchases both big and small. Most credit cards today deliver some form of benefit with membership—accumulating points, cash back, airline miles, or other deals, consumers have a wealth of choices.
julio 15, 2021 By Space Coast Credit Union
Traveling involves a lot of planning to have a memorable time with loved ones. The last thing you want is a fraudster ruining your vacation. These tips will help you prevent identity theft before, during, and after your vacation.
julio 9, 2021 By Space Coast Credit Union
Most people have heard of a Home Equity Line of Credit (HELOC), but you may not be as familiar with how they work. In today’s deep dive, we’re going to explore all the ins and outs of this fantastic loan vehicle for homeowners to get the cash they need to do repairs, renovations, and more—all based on the equity they already have in their home.
julio 7, 2021 By Space Coast Credit Union
It’s not always easy to save up for the large down payments that some types of mortgages require. The good news? There are other loan options that can help you reach your homeownership goals.
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abril 1, 2021 By Space Coast Credit Union
SCCU’s loan payment process is designed to be as quick and convenient as possible, saving you two of the things you care about most – time and money.
abril 1, 2021 By Space Coast Credit Union
Here are 5 tips to building your dream home, from creating a prioritized list of wants and needs to choosing the best lender for your home construction loan.
febrero 3, 2021 By Space Coast Credit Union
Discover how to obtain financial peace in 5 simple steps. Learn how to pay off your debts the right way and educate yourself on how to live financially free.
enero 29, 2021 By Space Coast Credit Union
This guide offers steps that you can put into practice immediately as you work towards financial freedom.
agosto 26, 2020 By SCCU's Business Services
At SCCU, our Business Advisors meet with small business owners daily, as a free service offered to our business members. We’ve found that these six steps help business owners think through some of the important considerations when starting a new business- allay their fear of the unknown and growing their confidence.
agosto 26, 2020 By SCCU's Business Services
These practices will not only reduce your risks and stress but save you time and money in the future. Here are seven steps to hiring, while reducing your business’s risk.
junio 30, 2020 By Space Coast Credit Union
Although you should move forward carefully in the homebuying journey, you do not have to put your dream home on hold.
marzo 12, 2020 By Gary Prager
Summer is here and there’s no better time to enjoy Florida’s great outdoors.
enero 29, 2020 By Timothy M. Antonition
As we enter a new year, I want to say thank you to our loyal membership and wish you all a prosperous year ahead.
enero 3, 2019 By Timothy M. Antonition
As we start another year, I wanted to share with you my insights on what we accomplished as a team in 2018.
diciembre 17, 2018 By Space Coast Credit Union
Here’s what you need to know to stay safe from identity theft this holiday season.
septiembre 7, 2018 By Space Coast Credit Union
While elder abuse often is targeted in the form of financial mistreatment, there are many other forms to be aware of.
agosto 2, 2018 By Space Coast Credit Union
In this day and age, our smartphones play an integral part in our daily lives.
mayo 2, 2018 By Space Coast Credit Union
Overpayment scams pose a threat to online shoppers and those who frequently do business online.
mayo 2, 2018 By Space Coast Credit Union
Consumers are more aware than ever about the risk of data breaches, but weak passwords are still prevalent. World Password Day, celebrated the first Thursday in May, was established to promote good password habits.
mayo 2, 2018 By Nicole Williams
Never install applications outside of the Google Play store.
mayo 2, 2018 By Space Coast Credit Union
Phishing attacks rank among the most complex out there.
abril 5, 2018 By Space Coast Credit Union
Wire frauds are similar to mail frauds except that they occur strictly through communications transmitted by wire.
abril 5, 2018 By Kim Lynn
SCCU’s Loss Prevention department works hard to reduce membership losses and protect members from fraud.
abril 5, 2018 By Space Coast Credit Union
Usernames and passwords are among the most sought after pieces of information impersonators look for.
abril 5, 2018 By Gary Prager
If you’ve been on the fence, now might be the time to act.
mayo 11, 2017 By Space Coast Credit Union
There’s a lot to know before you set foot on a lot. The more you research now, the better things will go.
febrero 16, 2017 By Space Coast Credit Union
Virtually everything costs money, and it’s often more than you’d expect it to be.
febrero 8, 2017 By Space Coast Credit Union
The decision to lease or buy a car is a personal one. Don't let the dealer make it for you.
noviembre 3, 2016 By Space Coast Credit Union
Be sure to watch out for these three common pitfalls when enrolling in workplace benefits.
julio 1, 2016 By Tim Alexander
One of life's greatest pleasures can be a summer road trip to your favorite vacation destination.
mayo 13, 2016 By Space Coast Credit Union
The interest rate on your mortgage can affect your monthly payment by thousands of dollars each month.
abril 30, 2015 By Nicole Williams
Life in today's connected world inevitably comes with plenty of passwords to remember.
marzo 1, 2015 By Gary Prager
Space Coast Credit Union aims to be the one-stop-shop for members purchasing a home.