Space Coast Credit Union | Lago Mar | Miami, FL logo

Space Coast Credit Union | Lago Mar | Miami, FL in Miami, FL

4.3/5

Space Coast Credit Union's Lago Mar branch in Miami offers full-service banking including checking, savings, mortgages, auto loans, and credit cards with branch and ATM access.

Data compiled from public sources · Rating from CreditDoc methodology

Space Coast Credit Union | Lago Mar | Miami, FL Review

Space Coast Credit Union (SCCU) is a federally chartered credit union operating multiple locations throughout Florida, including the Lago Mar branch in Miami. The Lago Mar location serves the Miami community at 7250 SW 157th Ave with comprehensive banking services designed for credit union members. The branch maintains both lobby and drive-thru service with extended hours, providing convenient access for personal and mortgage banking needs.

SCCU Lago Mar offers a full suite of deposit products including multiple checking account types (Free, Interest-Bearing, Student, and Health Savings Checking), various savings options (Regular Savings, Money Market, My Way Savings, Christmas Club), and Certificates of Deposit. On the lending side, they provide mortgage products spanning conventional fixed-rate loans, FHA, VA, construction-to-permanent, home equity lines of credit, and refinancing options. Auto lending includes traditional auto loans, refinancing, recreational vehicles, boat and RV loans, and motorcycle financing.

The branch also issues SCCU Visa credit cards and offers personal loans secured by share deposits. The Lago Mar location distinguishes itself through extended drive-thru hours (8 AM-6 PM weekdays, 9 AM-1 PM Saturday), safe deposit boxes, a coin sorter, and multiple ATM options including walk-up and deposit-taking machines. As a credit union, SCCU operates on a member-owned cooperative model rather than shareholder profit maximization.

The institution participates in shared branching networks allowing members to conduct transactions at partner locations throughout the country. Online and mobile banking services, including mobile deposit and Zelle money transfers, provide digital-first options for account management. For consumers seeking traditional banking services in the Miami area, Space Coast Credit Union Lago Mar represents a conventional option with competitive product offerings and extended service hours.

However, potential members should note that credit unions typically have membership eligibility requirements and may have fewer physical locations than major national banks. The Lago Mar branch serves primarily as a service location rather than a specialized lending or alternative finance provider, making it best suited for those seeking established, relationship-based banking.

Services & Features

Auto Loan Pre-Approval, Auto Loan Refinancing, and Recreational Vehicle Loans
Boat, RV, and Motorcycle Loans
Certificates of Deposit (CDs) and IRA CDs
Conventional Fixed-Rate Mortgages, FHA, VA, and Jumbo Home Loans
Free Checking and Interest-Bearing Checking Accounts
Home Equity Loans and Home Equity Lines of Credit (HELOC)
Mobile Banking, Online Banking, Digital Wallet, and Mobile Deposit
Regular Savings, Money Market, My Way Savings, Christmas Club, and Youth Savings
Signature Personal Loans and Share-Secured Loans
Student Checking and Health Savings Checking Accounts
Visa Credit Cards (Signature, Platinum, Low Rate, Secured, Student)
Zelle Money Transfer Service

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • Extended drive-thru hours (8 AM-6 PM weekdays, 9 AM-1 PM Saturday) for working professionals
  • Safe deposit boxes available for document and valuables storage at the location
  • Multiple ATM options including walk-up and deposit-taking machines for convenience
  • Comprehensive mortgage offerings including no-down-payment and no-closing-cost options
  • Broad auto lending products including recreational vehicles, boats, and motorcycles
  • Member-owned credit union structure emphasizes member benefit over shareholder profits
  • Shared branching network allows transactions at thousands of partner locations nationwide

Cons

  • Credit union membership eligibility requirements may exclude some consumers
  • Limited Saturday lobby hours (no Saturday lobby service, only drive-thru 9 AM-1 PM)
  • Fewer physical locations compared to major national banks with multi-state presence
  • Website requires accessibility toolbar activation and mentions outdated browser issues
  • No indication of competitive rate advantages over national banks or online-only alternatives

Rating Breakdown

Value
5.0
Effectiveness
4.2
Customer Service
3.9
Transparency
3.5
Ease of Use
4.5

Frequently Asked Questions

Is Space Coast Credit Union | Lago Mar | Miami, FL legitimate?

Yes. Space Coast Credit Union | Lago Mar | Miami, FL is a registered company, headquartered in Miami, FL.

How long does Space Coast Credit Union | Lago Mar | Miami, FL take to show results?

Results vary by individual situation. Contact the provider to discuss expected timelines for your specific needs.

Quick Facts

Headquarters
Miami, FL
BBB Accredited
No
Starting Price
Contact provider
Setup Fee
None
Money-Back Guarantee
No
Visit Space Coast Credit Union | Lago Mar | Miami, FL

CreditDoc Diagnosis

Doctor's Verdict on Space Coast Credit Union | Lago Mar | Miami, FL

Space Coast Credit Union Lago Mar is best for Miami-area consumers who qualify for credit union membership and seek traditional, full-service banking with extended hours and comprehensive lending products. The primary caveat is that credit union eligibility requirements and limited physical location availability make it less accessible than large national banks, and the institution offers no specialized alternative financial services beyond conventional banking.

Best For

  • Miami-area residents seeking full-service banking with extended drive-thru hours
  • Credit union-eligible members wanting comprehensive mortgage and auto lending products
  • Consumers preferring member-owned financial institutions over shareholder-driven banks
  • Individuals needing safe deposit box services alongside banking relationships
Updated 2026-04-29

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