Suncoast Credit Union

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 10th largest credit union in the nation. It was established in 1978 and as of March of 2022, it had grown to 2,103 employees and 1,025,697 members at 76 locations. Suncoast Credit Union has an A health rating.

Field of Membership Restrictions

Membership in SunCoast Credit Union is open to those who live, work, worship, or attend school in the Florida counties of Alachua, Brevard, Broward, Charlotte, Citrus, Clay, Collier, Desoto, Dixie, Duval, Gilchrist, Glades, Hardee, Hendry, Hernando, Highlands, Hillsborough, Indian River, Lake, Lee, Leon, Levy, Manatee, Marion, Martin, Miami-Dade, Monroe, Orange, Osceola, Palm Beach, Pasco, Pinellas, Polk, Sarasota, Seminole, St. Johns, St. Lucie, Sumter, or Volusia. Alumn of Florida College in Temple Terrace also qualify for membership.
See current membership details

A Great Banking Experience

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My experience with Suncoast Federal Credit union has been nothing but pleasurable. I currently have 2 savings accounts and a checking account and haven't had any issues. The credit union offers about 5 times the interest of the big national banks. My debit card allows me to get rewards points which is a big bonus for me. The accounts are also amazing to have because there are no account minimums or requirements to have them. I know that if were banking at a big national bank I would have been charged a fee a few times due to the account requirements. I've been banking there many years and wouldn't think about switching to another bank. Every time I go to that bank I have had great customer service, which matters to me.

Suncoast Credit Union in Florida

I recently joined Suncoast after a friend mentioned that they are now open for residents on my county in Florida. I previously wanted to join, but it limited to teachers and police...local workers. I found their rates for loans to be much lower that rates offered by other big banks. I am sick of the rates that Bank of America charges. With online banking, I don't ever go to a branch unless it is a special situation. Suncoast does have a local branch about 5 minutes from my house, so if I do need to go there, it is very easy and convenient to get too. I just found that they offer investment services and I am very interested to learn about those.

CU With Great Features, Not Fee Happy, But Low Rates

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I have been with this CU since 1993. Easy to bank with, convenient, not a fee happy institution, with 3 branches spread out in my area. This CU has some cool features such as MM linked with checking to cover insufficient funds without fees no matter how many times funds are transferred between accounts, interest bearing checking with no minimum balance or transaction requirements, unlimited incommoding and outgoing transfers to MM account without fees. I make deposits to my checking, then transfer all funds to the MM since it pays a sightly higher interest rate leaving just pennies balance in my checking. My only complaint with this CU is that they pay very low interest rates to their members. While the Fed has raised the interest rates 4 times since Dec 2005 this CU actually lowered the rates paid to their members on June 2017. I see lots of complains with broken ATM machines but I got rid of my ATM card 22 years ago, and have never had nor used a Debit card. I now make check deposits by smart phone but they have a maximum deposit per day of $2500, quite low compared to other CU's in my area. One positive is that the deposit shows up instantly on the account, while the other CU's place a hold until those deposits show up in the account. I also use the remote tellers where you talk to a teller on computer monitor to do your banking. I like this feature since you get extended banking hours, and Saturdays. The website has a modern look and works great. A good CU but they need to increase the interest rates they pay their members.

Not A Good Bank

This bank is not what it used to be,I've been banking with them for 20 years,this bank,doesn't have faith in their customers with a 20 year track record,never been late on my vehicle loan ect,had 2 vehicles paid off with this bank from car loans and now they will not give me another,I don't know what this bank has become,it used to be nice bank. But here's the gist of it all:
Doesn't treat their customers right even after banking either for YEARS
The ATMs are ALWAYS broken
You are on hold FOREVER when you call them atleast 20 minute
Lost faith in this bank.its sad because I used to love this bank.



Health Grade Components

NCUA #68645
Year Chartered1978
Primary Regulator
Profit Margin
Return on Assets - YTD0.97%
Return on Equity - YTD12.66%
Annual Interest Income$110.5MM
Assets and Liabilities
AssetsQ1 2022vs Q1 2021$15.33B$13.47B
LoansQ1 2022vs Q1 2021$10.54B$9.39B
DepositsQ1 2022vs Q1 2021$13.94B$12.10B
Equity CapitalQ1 2022vs Q1 2021$1.16B$1.11B
Loan Loss AllowanceQ1 2022vs Q1 2021$136.1MM$143.9MM
Unbacked Noncurrent LoansQ1 2022vs Q1 2021$22.7MM$21.5MM
Real Estate OwnedQ1 2022vs Q1 2021$0$137.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Suncoast Credit Union Savings Account Rates

0.50%*$1k*-Uniform Transfers to Minors
OTHER TIERS: 0.15% Up to $1k
0.05%$5-Regular Share Membership
0.05%--Special Share Savings
0.05%$5-Business Regular Savings
0.05%--Business Special Savings
0.05%$5-Youth Regular Share Membership
0.05%--Youth Special Share Savings

Suncoast Credit Union Money Market Rates

0.50%*$1k*-All Student Money Market
OTHER TIERS: 0.15% Up to $1k
0.40%*$250k*-Money Market Account
OTHER TIERS: 0.05% Up to $1k | 0.20% $1k - $25k | 0.25% $25k - $50k | 0.30% $50k - $100k | 0.35% $100k - $250k
0.40%*$250k*-Business Money Market
OTHER TIERS: 0.05% Up to $1k | 0.20% $1k - $25k | 0.25% $25k - $50k | 0.30% $50k - $100k | 0.35% $100k - $250k

Suncoast Credit Union Checking Account Rates

0.01%--Teen Smart Checking
0.01%--Smart Checking

Suncoast Credit Union CD Rates

0.95%$500-60 Month CD
0.95%$500-Business 60 Month CD
0.95%$500-60 Month Youth Certificate
0.95%$100k-Business 60 Month Jumbo CD
0.95%$100k-60 Month Jumbo CD
0.95%$500-60 Month HSA CD
0.95%$100k-60 Month Jumbo Youth CD
0.95%$100k-60 Month Jumbo HSA CD
0.85%$500-48 Month CD
0.85%$500-Business 48 Month CD
0.85%$500-48 Month Youth Certificate
0.85%$100k-Business 48 Month Jumbo CD
0.85%$100k-48 Month Jumbo CD
0.85%$500-48 Month HSA CD
0.85%$100k-48 Month Jumbo Youth CD
0.85%$100k-48 Month Jumbo HSA CD
0.70%$500-36 Month CD
0.70%$500-Business 36 Month CD
0.70%$500-36 Month Youth Certificate
0.70%$100k-Business 36 Month Jumbo CD
0.70%$100k-36 Month Jumbo CD
0.70%$500-36 Month HSA CD
0.70%$100k-36 Month Jumbo Youth CD
0.70%$100k-36 Month Jumbo HSA CD
0.55%$500-24 Month CD
0.55%$500-Business 24 Month CD
0.55%$500-24 Month Youth Certificate
0.55%$100k-Business 24 Month Jumbo CD
0.55%$100k-24 Month Jumbo CD
0.55%$500-24 Month HSA CD
0.55%$100k-24 Month Jumbo Youth CD
0.55%$100k-24 Month Jumbo HSA CD
0.45%$500-18 Month CD
0.45%$500-Business 18 Month CD
0.45%$500-18 Month Youth Certificate
0.45%$100k-18 Month Jumbo CD
0.45%$100k-Business 18 Month Jumbo CD
0.45%$500-18 Month HSA CD
0.45%$100k-18 Month Jumbo Youth CD
0.45%$100k-18 Month Jumbo HSA CD
0.40%$500-12 Month CD
0.40%$500-Business 12 Month CD
0.40%$500-12 Month Youth Certificate
0.40%$50-12 Month Smart Start CD
0.40%$100k-Business 12 Month Jumbo CD
0.40%$100k-12 Month Jumbo CD
0.40%$500-12 Month HSA CD
0.40%$100k-12 Month Jumbo Youth CD
0.40%$100k-12 Month Jumbo HSA CD
0.40%$50-12 Month Smart Start Youth CD
0.30%$500-6 Month CD
0.30%$500-Business 6 Month CD
0.30%$500-6 Month Youth Certificate
0.30%$100k-Business 6 Month Jumbo CD
0.30%$100k-6 Month Jumbo CD
0.30%$500-6 Month HSA CD
0.30%$100k-6 Month Jumbo Youth CD
0.30%$100k-6 Month Jumbo HSA CD

Suncoast Credit Union IRA Rates

1.25%$500-60 Month IRA
1.25%$100k-60 Month Jumbo IRA
1.00%$500-48 Month IRA
1.00%$100k-48 Month Jumbo IRA
0.85%$500-36 Month IRA
0.85%$100k-36 Month Jumbo IRA
0.65%$500-24 Month IRA
0.65%$100k-24 Month Jumbo IRA
0.55%$500-18 Month IRA
0.55%$100k-18 Month Jumbo IRA
0.50%$500-12 Month IRA
0.50%$100k-12 Month Jumbo IRA
0.40%$500-6 Month IRA
0.40%$100k-6 Month Jumbo IRA


Tampa Area

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