Premier Shares Savings Account
We offer a variety of savings accounts including Regular and Christmas Club Savings Accounts. When you open a share savings account, you become an owner of SCCU. A $25 deposit into a share savings account is required to establish your membership ($100 balance required to earn dividends).
Christmas Club
No more worrying about expensive Christmas gifts in December! With a Space City CU Christmas Club Account, you can put money aside throughout the year so that your wallet doesn’t take such a big hit during Christmas time. Open your Christmas Club Account today, with a small minimum deposit of $5.00
Premier Savings
This account offers a variety of benefits:
- Competitive dividend rates
- Dividend rates increase as balances grow
- Withdrawals are penalty-free
- Automatic paycheck deposits available
- Receipts and quarterly statements replace passbooks
- Dividends compounded and paid quarterly
- Special Share Savings and Holiday Share Savings programs are also available at the same rates and terms. Use these accounts to save for special occasions such as birthdays and holidays, or for special purchase
UChoose Rewards
With a Space City CU VISA Check Card you can earn rewards for buying the things you need every day. Simply use your Space City CU Check Card on the "signature" side to earn points automatically. Rewards begin at just 1,500 points, so you'll be ready to redeem your points in no time!
Choose from a wide array of exciting options, including: shopping and dining rewards, brand-name merchandise, round-trip airline tickets, and more!
To redeem your points for gift certificate and merchandise rewards, simply register your card at www.UChooseRewards.com. Then you can log in anytime to view your points and select the items you wish to order.
* PIN based transactions are not eligible for reward points. Space City CU reserves the right to deduct points for any reason deemed necessary. See www.UChooseRewards.com for terms and conditions.
Questions & Answers
How do I earn points?
You can earn points for all qualifying purchases (less returns) by using your check card to pay for gas, food, merchandise, and other goods and services. You will receive 1 point for each full $2 spent on a signature based transaction with your Space City CU VISA Check Card.
What is a "signature based" transaction?
When using your check card to make a purchase, you usually have the option of making a "debit" transaction or a "credit" transaction. In order for the transaction to be a "signature-based" transaction, you must choose "credit" and sign for the purchase. In addition, most debit card transactions done by phone, mail, or internet are considered signature-based, even though you do not actually sign anything.
**When at the store if the machine automatically asks for your PIN after you swipe your card press cancel and the signature line will come up for you to sign and the transaction will be processed as a signature-based transaction. Many stores automatically ask for the PIN in attempt to force the purchaser to input their PIN so the transaction will be processed as a PIN or POS transaction. PIN or POS transactions will not earn reward points.**
What is a "PIN based" transaction?
When using your check card to make a purchase, you would select "debit" and enter your PIN to complete the purchase. "Pin Based" transactions will not generate Reward Points, ALWAYS select "Credit" to earn points.
Do I earn points for transactions at an ATM?
Points cannot be earned on personal banking transactions such as ATM withdrawals, deposits, balance inquiries, transfers, and cash advances.
When do I begin earning points?
You begin earning points immediately. Your point balance will be updated by the 10th day of each month reflecting the points you earned throughout the previous month. You can check your points earned by going to www.UChooseRewards.com, entering your username and password, and then clicking "My Account" on the navigation bar.
Will I be charged any fees or interest?
There are no fees to participate in the rewards program but there may be processing fees applied to the redemption of some rewards.
What can I redeem my points for?
You may redeem your points for merchant certificates, hotel stays, airline tickets, and many other valuable items.
How do I redeem points?
For gift cards, merchandise, and other certificates, simply log in to www.UChooseRewards.com.
When can I begin redeeming points?
As soon as you have earned a minimum of 1,500 points, or you can continue to accumulate points for bigger rewards.
Frequently Asked Questions
Can I really open a savings account with just $25?
Yes. You can open a Space City savings account and become a member for just $25.
Is there a minimum balance?
The minimum balance to keep your savings account open is only $25.
Do I have to maintain a minimum to get dividends?
Space City dividends are paid quarterly. In order to qualify for dividends, you must maintain a daily average minimum balance of $100.
Are there any transaction restrictions?
For all share, Club and Money Market accounts, no more than six (6) preauthorized, automatic, telephone, or Internet transfers and withdrawals may be made from each account to another account of yours or to a third party in any month, and no more than three (3) of these six (6) may be made by check, draft, or access card to a third party.
