Explore Suncoast Credit Union’s suite of bank accounts

No-fee accounts and solid CD rates in the Sunshine state.

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Suncoast Credit Union

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Suncoast Credit Union offers decent rates considering it’s primarily a brick-and-mortar provider, and might appeal to folks in western Florida hoping to stash cash away in long-term certificates. But it isn’t the most competitive when it comes to variety of products and high-yield savings.

What banking products does Suncoast offer?

Suncoast’s banking products are available for eligible credit union members. To join, you must meet at least one of the following criteria:

  • Someone in your immediate family is a member.
  • You live in Florida — specifically, in one of the counties Suncoast services.
  • You’re an alumnus of Florida College.


With a Suncoast checking or savings account, you’ll get access to its online and mobile banking tools, including direct deposit capabilities.


Suncoast offers a wide range of solutions for business owners, from payroll support to insurance. You’ll get a free debit card to use with your Suncoast business accounts, with access to Suncoast and CO-OP ATMs throughout Florida.

Similar to the personal accounts, you’ll need to open a Business Regular Savings account with a $5 deposit to kick-start a business-banking relationship.

Why should I open an account at Suncoast?

Suncoast is focused on serving sunshine state residents. Suncoast Credit Union is a nonprofit and owned by its members which typically means lower fees overall.

Here’s why Suncoast might appeal to you:

  • Accounts are free to open and maintain. After depositing $5 into a regular savings account, you’ll have access to all of Suncoast’s checking and savings accounts for free — though minimum deposits are required for higher-yield savings accounts.
  • Share certificates have high yield potential. A 60-month share certificate of $500 will earn a 3% APY, which is fairly competitive in the market.
  • Easy ATM access. Suncoast is part of the CO-OP ATM network in Florida, which means you can use tens of thousands of ATMs around the state for free. It also has 66 branch locations, so you won’t be far from a teller for face-to-face assistance.

What should I look out for?

An obvious drawback? Suncoast is only available to people in western Florida, so outsiders should look elsewhere. Also consider these cons before signing up:

  • No true high-yield savings account. While Suncoast’s certificates offer hefty rates, it doesn’t offer savings accounts with the same growth potential. If you’re hoping for a high APY with easy access to cash in the meantime, you’ll want to look elsewhere.
  • Limited customer service hours. Representatives keep bank hours and can’t be reached over the phone on Sundays. Saturdays you can call between 8 a.m. to 1 p.m.
  • Small selection of checking accounts. There’s only one personal checking account to choose from, and it doesn’t offer much in terms of rewards or special perks.

Compare with leading bank and credit union accounts

Name Product APY ATMs Fee
M&T Bank EZChoice Checking
Over 1,500 M&T Bank ATMs
Get $150 if you open an EZChoice M&T checking account by March 2, 2020, and make qualifying direct deposits totaling at least $500 within 90 days of account opening.
M&T Bank MyChoice Premium Checking
M&T Bank MyChoice Premium Checking
0.05% on balances of $100,000+
0.03% on balances of $50,000 to $99,999.99
0.01% on balances of $1 to $49,999.99
Over 1,500 free M&T Bank ATMs and up to $2 rebates when using all other ATMs
(can be waived)
Get up to $250 if you open a MyChoice Premium M&T checking account by March 2, 2020, and make qualifying direct deposits totaling at least $500 within 90 days of account opening.
Chase Sapphire Checking
Free to use anywhere worldwide
(can be waived)
Get a $1000 welcome bonus when you join Sapphire Banking by March 06, 2020. Within 45 days of joining, transfer a total of $75,000 or more in qualifying new money or securities to a combination of eligible checking, savings and/or investment accounts (excludes any J.P. Morgan retirement accounts and CDs), and maintain the balance for at least 90 days.
BBVA Online Checking
No ATM fees nationwide at more than 64,000 AllPoint, participating 7-Eleven and BBVA USA ATMs
A full-service account with convenient, surcharge-free access to two massive ATM networks.
Axos Bank Rewards Checking
1.25% on balances of $0+ with $1,000+ in direct deposits, 10 $3+ debit card transactions and 5 additional account transactions per month
ATM fees reimbursed at any ATM nationwide
Earn up to 1.25% APY while enjoying a suite of digital tools for smarter money management.
Axos Bank Essential Checking
ATM fees reimbursed at any ATM nationwide
No fees. Unlimited domestic ATM fee reimbursements.

Compare up to 4 providers

Suncoast customer service

You can reach a Suncoast Credit Union representative via:

  • Phone. 800-999-5887 or 813-621-751
  • Social media. Send a message through Facebook or Twitter.
  • Snail mail. Address your note to:
      PO Box 11904
      Tampa, FL 33680

Bottom line

If you’re a ride-or-die Florida resident and are looking for a full-service, locally operated institution, you might be drawn to Suncoast’s solid reputation and fee-free accounts. But folks hoping for more variety and a national presence should see what other providers have to offer.

Frequently asked questions

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