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.

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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