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 11th largest credit union in the nation. It was established in 1978 and as of December of 2023, it had grown to 2,498 employees and 1,191,728 members at 79 locations. Suncoast Credit Union's money market rates are 7X the national average, and it has a B+ 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.

Careful With Suncoast Auto Loans

Be careful with Suncoast Credit Union Auto Loans. I have been a member and have had loans with them for many years. I recently used Suncoast for my Auto loan. I usually pay off my loans quickly by making principle-only payments. I made a significant principle-only payment, and once it was recorded online, I found out they paid off some of their loan interest; after that, the rest of my "principle-only payment" money went toward the principal of my loan. After numerous phone calls with different customer service people, different explanations, and then having to go into two separate branches, I found out that Suncoast Credit Union REQUIRES you to pay pending interest first before they apply your money to the principal. WOW, what a rip-off. The office manager showed me the e-manual, which says that on consumer loans, interest MUST be satisfied first before they apply any money to the principal. I was so upset and decided I would pay off this loan immediately and never take another load from Suncoast Credit Union.

Over Stepping My Rights To My Account Balances

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I have been pleased with the services I have received until now. Today I tried to send a domestic wire to complete my personal time sensitive business and was denied. I was given no good reason or explanation. I was treated unacceptably. I was dropped from the call and not called back. The supervisor, Chrisy, who is making all the decisions for me had the person who was transferring me to her apologize for her dropping the call. She never said a word. I am being told what I can and can't do with my own money. As soon as suncoast and their unreasonable employee start depositing money of their own into my accounts then can they say what does and doesn't happen. Absolutely the worst customer service I've ever had to deal with while banking here for over 30 years. Unacceptable!



Health Grade Components

NCUA #68645
Year Chartered1978
Primary Regulator
Profit Margin
Return on Assets - YTD0.78%
Return on Equity - YTD10.48%
Annual Interest Income$712.7MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$17.41B$16.22B
LoansQ4 2023vs Q4 2022$13.01B$12.13B
DepositsQ4 2023vs Q4 2022$14.55B$14.7B
Equity CapitalQ4 2023vs Q4 2022$1.28B$1.14B
Loan Loss AllowanceQ4 2023vs Q4 2022$204.2MM$129.9MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$63.9MM$38MM
Real Estate OwnedQ4 2023vs Q4 2022$0$484K
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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
0.25%$5-Regular Share Membership
0.25%--Special Share Savings
0.25%$5-Business Regular Savings
0.25%--Business Special Savings
0.25%$5-Youth Regular Share Membership
0.25%--Youth Special Share Savings

Suncoast Credit Union Money Market Rates

3.00%*$500k*-Money Market Account
OTHER TIERS: 1.15% Up to $1k | 1.30% $1k - $25k | 1.40% $25k - $50k | 1.50% $50k - $100k | 2.00% $100k - $250k | 2.50% $250k - $500k
3.00%*$500k*-Business Money Market
OTHER TIERS: 1.15% Up to $1k | 1.30% $1k - $25k | 1.40% $25k - $50k | 1.50% $50k - $100k | 2.00% $100k - $250k | 2.50% $250k - $500k
0.50%*$1k*-Uniform Transfers to Minors Money Market
OTHER TIERS: 0.15% Up to $1k

Suncoast Credit Union Checking Account Rates

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

Suncoast Credit Union CD Rates

5.25%$100k-Business 12 Month Jumbo CD
5.25%$100k-12 Month Jumbo Youth CD
5.25%$100k-12 Month Jumbo HSA CD
5.25%$100k-12 Month Jumbo CD Special
5.00%$500-Business 12 Month CD
5.00%$500-12 Month Youth Certificate
5.00%$50-12 Month Smart Start CD
5.00%$500-12 Month HSA CD
5.00%$50-12 Month Smart Start Youth CD
5.00%$500-12 Month CD Special
4.90%$100k-Business 24 Month Jumbo CD
4.90%$100k-24 Month Jumbo CD
4.90%$100k-18 Month Jumbo CD
4.90%$100k-Business 18 Month Jumbo CD
4.90%$100k-18 Month Jumbo Youth CD
4.90%$100k-18 Month Jumbo HSA CD
4.90%$100k-24 Month Jumbo Youth CD
4.90%$100k-24 Month Jumbo HSA CD
4.65%$500-18 Month CD
4.65%$500-24 Month CD
4.65%$500-Business 18 Month CD
4.65%$500-Business 24 Month CD
4.65%$500-18 Month Youth Certificate
4.65%$500-24 Month Youth Certificate
4.65%$500-18 Month HSA CD
4.65%$500-24 Month HSA CD
4.25%$100k-Business 6 Month Jumbo CD
4.25%$100k-6 Month Jumbo CD
4.25%$100k-6 Month Jumbo Youth CD
4.25%$100k-6 Month Jumbo HSA CD
4.05%$100k-Business 60 Month Jumbo CD
4.05%$100k-60 Month Jumbo CD
4.05%$100k-60 Month Jumbo Youth CD
4.05%$100k-60 Month Jumbo HSA CD
4.00%$500-6 Month CD
4.00%$500-Business 6 Month CD
4.00%$500-6 Month Youth Certificate
4.00%$500-6 Month HSA CD
3.95%$100k-Business 48 Month Jumbo CD
3.95%$100k-48 Month Jumbo CD
3.95%$100k-48 Month Jumbo Youth CD
3.95%$100k-48 Month Jumbo HSA CD
3.85%$100k-Business 36 Month Jumbo CD
3.85%$100k-36 Month Jumbo CD
3.85%$100k-36 Month Jumbo Youth CD
3.85%$100k-36 Month Jumbo HSA CD
3.80%$500-60 Month CD
3.80%$500-Business 60 Month CD
3.80%$500-60 Month Youth Certificate
3.80%$500-60 Month HSA CD
3.70%$500-48 Month CD
3.70%$500-Business 48 Month CD
3.70%$500-48 Month Youth Certificate
3.70%$500-48 Month HSA CD
3.60%$500-36 Month CD
3.60%$500-Business 36 Month CD
3.60%$500-36 Month Youth Certificate
3.60%$500-36 Month HSA CD

Suncoast Credit Union IRA Rates

5.50%$100k-12 Month Jumbo IRA
5.25%$500-12 Month IRA
4.90%$500-18 Month IRA
4.90%$500-24 Month IRA
4.90%$100k-18 Month Jumbo IRA
4.90%$100k-24 Month Jumbo IRA
4.50%$100k-6 Month Jumbo IRA
4.30%$100k-60 Month Jumbo IRA
4.25%$500-6 Month IRA
4.20%$100k-48 Month Jumbo IRA
4.10%$100k-36 Month Jumbo IRA
4.05%$500-60 Month IRA
3.95%$500-48 Month IRA
3.85%$500-36 Month IRA


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