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Overview / Commentary
6801 E Hillsborough Ave
Tampa, FL 33610

Suncoast Credit Union is headquartered in Tampa and is the largest credit union in the state of Florida. It is also the 14st largest credit union in the nation. It was established in 1978 and as of March of 2014, it had grown to 1,083 employees and 578,572 members. Suncoast Credit Union has a B+ health rating.

Field of Membership Restrictions

You can join this credit union if you live or work in the following Florida counties: Charlotte, Citrus, Collier, Desoto, Glades, Hardee, Hendry, Hernando, Hillsborough, Lee, Levy, Manatee, Pasco, Pinellas, and Sumter. Please visit the membership page for full eligibility information. - See Details

Reviews (2)

Suncoast Schools credit untion gives A+ service!

I have had a Suncoast School credit union account for years and they have always been great to me. They have always provided great service and they offer competitive pricing and they don't try to nickel and dime me for every single cent. They have very good rates on their credit cards and mortgages and other loans. I recommend them to everyone.

Good, Dependable, Efficient And Friendly

I have been with this Credit Union for approximately eight years, and have not experienced a problem in any of my dealings with this institution.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Suncoast Credit Union had $84.83 million in non-current loans and owned real-estate with $590.61 million in equity and loan loss allowances on hand to cover it. This gives Suncoast Credit Union a Texas Ratio of 14.36% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Suncoast Credit Union has $5.77 billion in assets with $590.61 million in equity, resulting in a capitalization level of 10.23%, which is above average.

Institution Statistics

NCUA #68645
Year Chartered1978
Primary Regulator
Assets and Liabilities
Assets$5.77 billion
Loans$3.81 billion
Deposits$5.02 billion
Equity Capital$462.66 million
Loan Loss Allowance$127.95 million
Unbacked Noncurrent Loans$71.93 million
Real Estate Owned$12.90 million
Profit Margin - Quarterly
Return on Assets1.3%
Return on Equity16.22%
Interest Income$47.09 million
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Suncoast Credit Union Savings Account Rates

0.50%$1k-Uniform Transfers to Minors
0.25%--Regular Share Membership
0.25%--Special Share Savings

Suncoast Credit Union Money Market Rates

0.40%$50k-Money Market Account

Suncoast Credit Union CD Rates

2.00%$500-60 Month CD
2.00%$500-Business 60 Month CD
2.00%$500-60 Month Health Savings CD
1.70%$500-48 Month CD
1.70%$500-Business 48 Month CD
1.70%$500-48 Month Health Savings CD
1.45%$500-36 Month CD
1.45%$500-Business 36 Month CD
1.45%$500-36 Month Health Savings CD
1.10%$500-24 Month CD
1.10%$500-Business 24 Month CD
1.10%$500-24 Month Health Savings CD
0.85%$500-18 Month CD
0.85%$500-Business 18 Month CD
0.85%$500-18 Month Health Savings CD
0.65%$500-12 Month CD
0.65%$500-Business 12 Month CD
0.65%$500-12 Month Health Savings CD
0.45%$500-6 Month CD
0.45%$500-Business 6 Month CD
0.45%$500-6 Month Health Savings CD
0.45%$50-12 Month Smart Start CD

Suncoast Credit Union has 54 locations. Click to view all Suncoast Credit Union locations.