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 December of 2019, it had grown to 1,823 employees and 874,011 members at 70 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

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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.

Got A Nice CD... Summer of '19 and it wasn't painful. Had to mail documents, back and forth but, for 2.7% APY for 48 mos was worth the effort. No other experience but, they answer the phone at least. Website could be better but, I've used worse. Dropped rates fast so not so competitive anymore...

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.

Simple Request

I have two different banks. One I receive direct deposit for work, the other (Suncoast CU) for other personal uses.

My main debit card that I use from my other bank was compromised. I am currently waiting for a new card. In order to use the money from my pay check I needed to transfer funds from one to Suncoast.

I called and waited 6 minutes (loud annoying robot repeating "We will be with you shortly").

Once obtaining a rep, I simply asked what the routing number was for Suncoast. "Well you can find that on our website." I didn't ask WHERE I can find it, I asked for it for what I thought would save me time and hassle. Then after stating I don't have time to go online, with a heavy sigh I was finally read the routing number.

Then, I simply asked for my FULL account number as to I only had the last 7. "You can find that on your mobile app under statements." Again I didn't ask WHERE to find it.

So what your telling me is after verifying who I am with name, ACCOUNT NUMBER, and two security questions you cant give me the first three of my account number? Another heavy sigh and what sounded like the start of an excuse, I hang up because I do not deserve to be treated this way as a client.

Login in to my mobile app. Searching...searching...searching...

I spent 15 minutes of my busy day to find out the rude customer service rep couldn't tell me that the first three are "000" Apparently satisfying clients with very simple questions isn't what Suncoast is about anymore.



Health Grade Components

NCUA #68645
Year Chartered1978
Primary Regulator
Profit Margin
Return on Assets - YTD1.15%
Return on Equity - YTD12.21%
Annual Interest Income$382.2MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$10.53B$9.29B
LoansQ4 2019vs Q4 2018$8.29B$7.33B
DepositsQ4 2019vs Q4 2018$9.34B$7.93B
Equity CapitalQ4 2019vs Q4 2018$988.0MM$857.4MM
Loan Loss AllowanceQ4 2019vs Q4 2018$88.2MM$75.6MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$39.4MM$41.1MM
Real Estate OwnedQ4 2019vs Q4 2018$2.3MM$1.5MM
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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

0.40%*$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

Suncoast Credit Union Checking Account Rates

0.01%--Smart Checking

Suncoast Credit Union CD Rates

1.10%$500-60 Month CD
1.10%$500-Business 60 Month CD
1.10%$500-60 Month Youth Certificate
1.10%$100k-Business 60 Month Jumbo CD
1.10%$100k-60 Month Jumbo CD
1.10%$500-60 Month HSA CD
1.10%$100k-60 Month Jumbo Youth CD
1.10%$100k-60 Month Jumbo HSA CD
1.00%$500-48 Month CD
1.00%$500-Business 48 Month CD
1.00%$500-48 Month Youth Certificate
1.00%$100k-Business 48 Month Jumbo CD
1.00%$100k-48 Month Jumbo CD
1.00%$500-48 Month HSA CD
1.00%$100k-48 Month Jumbo Youth CD
1.00%$100k-48 Month Jumbo HSA CD
0.85%$500-36 Month CD
0.85%$500-Business 36 Month CD
0.85%$500-36 Month Youth Certificate
0.85%$100k-Business 36 Month Jumbo CD
0.85%$100k-36 Month Jumbo CD
0.85%$500-36 Month HSA CD
0.85%$100k-36 Month Jumbo Youth CD
0.85%$100k-36 Month Jumbo HSA CD
0.65%$500-24 Month CD
0.65%$500-Business 24 Month CD
0.65%$500-24 Month Youth Certificate
0.65%$100k-Business 24 Month Jumbo CD
0.65%$100k-24 Month Jumbo CD
0.65%$500-24 Month HSA CD
0.65%$100k-24 Month Jumbo Youth CD
0.65%$100k-24 Month Jumbo HSA CD
0.55%$500-18 Month CD
0.55%$500-Business 18 Month CD
0.55%$500-18 Month Youth Certificate
0.55%$100k-18 Month Jumbo CD
0.55%$100k-Business 18 Month Jumbo CD
0.55%$500-18 Month HSA CD
0.55%$100k-18 Month Jumbo Youth CD
0.55%$100k-18 Month Jumbo HSA CD
0.50%$500-12 Month CD
0.50%$500-Business 12 Month CD
0.50%$500-12 Month Youth Certificate
0.50%$50-12 Month Smart Start CD
0.50%$100k-Business 12 Month Jumbo CD
0.50%$100k-12 Month Jumbo CD
0.50%$500-12 Month HSA CD
0.50%$100k-12 Month Jumbo Youth CD
0.50%$100k-12 Month Jumbo HSA CD
0.50%$50-12 Month Smart Start Youth CD
0.40%$500-6 Month CD
0.40%$500-Business 6 Month CD
0.40%$500-6 Month Youth Certificate
0.40%$100k-Business 6 Month Jumbo CD
0.40%$100k-6 Month Jumbo CD
0.40%$500-6 Month HSA CD
0.40%$100k-6 Month Jumbo Youth CD
0.40%$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


Ft. Myers Area

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