As we look to the future, 2026 is a special year for all of us at Space Coast Credit Union – it marks our 75th anniversary. Since 1951, we've been proud to serve you, our members, and our communities. Our mission, "To Create Value in Cooperative Ownership," has guided us every step of the way and it remains at the heart of everything we do. This milestone is a celebration of the trust and partnership we've built together over the years.

Before we look ahead, let's take a look back at some 2025 highlights:

• Branch Expansion: We opened the Waterford Lakes branch and Avalon Park branches in Orlando and prepared for new locations like Lake Nona. Cypress Creek and North Merritt Island branches were relocated to larger, modern spaces for improved service.

• Technology Enhancements: Digital banking saw major upgrades, including FICO score access for credit card holders, a "Pay My Loan" feature, plus other improvements to enhance the user experience. 

• Community Engagement: Our team participated in numerous community events – walks, festivals, parades – and expanded our partnership with the Miami Dolphins, supporting pre-game activities with youth programs.

Looking Ahead:

• SCCU Partners in Purpose: To mark our 75th year, we're launching a new community service program empowering Team Members to volunteer for causes important to our members.

• Continued Growth: In 2026, SCCU will operate 70 branches from Palm Coast to Homestead, supported by 1,200 Team Members. Each new branch strengthens our network and relationships. 

• Redesigned Website: Later this year, we'll launch a redesigned SCCU.com to make managing your financial life simpler and more convenient. The new site will offer streamlined navigation, expanded self-service options, and a mobile-friendly design, so you can access what you need, anytime, anywhere. 

Everything we accomplished in 2025 – and everything we're planning for 2026 – is because of you. Your loyalty and trust are the foundation of our success, and we're deeply grateful for the opportunity to serve you. 

As we step into this exciting new chapter, I'm filled with optimism for what we can achieve together. We'll continue to listen, learn, and adapt, always keeping your best interests at the center of our decisions. Thank you for being an essential part of the SCCU family.

With heartfelt gratitude,

Shane Hoyle
President & CEO