Suncoast Credit Union Review 2025
Written by
Edited by
The Bankrate promise
At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation for .
At a glance
Overview
Suncoast Credit Union is best for Floridians seeking out accounts with few fees at a community-focused institution.
Highlights:
Highly Rated App No Monthly FeesHighlights:
CDs
Checking
Savings
MMA
Offers featured here have been sponsored which impacts how, where, and in what order the products appear. Not all offers are displayed on this page.
These are sponsored offers rated highly by us for competitive rates, fees, and minimums.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate Savings rating = 4.1/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Offers featured here have been sponsored which impacts how, where, and in what order the products appear. Not all offers are displayed on this page.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Overall
Suncoast Credit Union is Florida’s largest credit union. It offers savings accounts, a checking account, regular and jumbo CDs, a money market account and other banking options to its members.
Pros
-
Suncoast members have access to more than 30,000 fee-free ATMs, including those Publix locations.
-
Suncoast offers competitive yields on several products, including a 7 percent APY on its high-yield checking account for balances up to $500.
-
The credit union serves its community through various outreach programs and fundraisers.
Cons
-
Those outside of the Florida counties it serves might not be eligible for membership.
-
Higher yields for some products can be found at other banks or credit unions.
We want to know what you think about Suncoast Credit Union
Do you have experience with Suncoast Credit Union? Let us know your thoughts.
Suncoast Credit Union banking products
Suncoast Credit Union Regular Share Savings
Pros
-
Only $5 is needed to open a Regular Share Membership savings account.
-
A $5 balance is all that’s required to keep the account open and maintain credit union membership.
-
Members can take advantage of a separate, free Special Share savings account for specific savings goals.
Cons
-
Higher yielding savings accounts are available elsewhere.
Suncoast Credit Union CD overview
Pros
-
Suncoast Credit Union’s CDs typically have higher yields than the national averages.
-
The Smart Start certificate can be opened with as little as $50.
-
IRA CDs are also available.
Cons
-
Some banks offer higher yields on CDs.
Suncoast Credit Union money market overview
Pros
-
Savers are rewarded for depositing more money, with higher APY tiers starting at balances of $1,000, $25,000, $50,000, $100,000, $250,000 and $500,000.
-
There is no minimum deposit required.
-
There is no limit on withdrawals and transfers.
Cons
-
More competitive rates on money market accounts can be found elsewhere.
Suncoast Credit Union Smart Checking
Pros
-
The account offers an optional overdraft protection with no additional cost.
-
When you make a purchase with your debit card, Suncoast donates two cents to a nonprofit organization helping children in the community.
Cons
-
While the High-Interest Checking account earns a high APY on balances up to $500, it only earns 0.01 percent on anything over that.
Bank fees
| Fee | Charged |
|---|---|
| Overdraft fee | $0* |
| Non-sufficient funds fee | $29 |
| Monthly maintenance fee | $0 |
| Out-of-network ATM fee | $2.50 |
| Excessive transaction fee | $0 |
*There is no fee for overdrafts if you use your savings account, money market account, line of credit or Suncoast Visa credit card for overdraft protection.
Customer experience
Customer support
Branch availability: Suncoast has more than 75 branches and offers more than 30,000 in-network ATMs.
Customer service: Suncoast can be reached by phone Monday through Friday from 7 a.m. to 8 p.m and Saturday from 8 a.m. to 1 p.m.
Digital experience
Suncoast offers mobile banking through a well-rated app available on the Apple store and Google Play.
Review methodology
We assign a score to each type of account and its features, weigh them carefully based on importance to account holders and determine an overall score. Read our full review methodology.
