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Suncoast Credit Union


Overview / Commentary
www.suncoastcreditunion.com
813-621-7511
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 2022, it had grown to 2,337 employees and 1,105,101 members at 76 locations. Suncoast Credit Union's money market rates are 3X 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

Related Posts

4.00% Cds In Florida! - 10/24/2022

Two CD specials at Suncoast Credit Union 4.00% 12 month term 4.00% 36 month term https://www.suncoastcreditunion.com/share-certificate-promo-rate

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Reviews (19)

A Great Banking Experience

Posted by: |

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.

8

Suncoast Credit Union in Florida

Posted by: |

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.

7

Careful With Suncoast Auto Loans

Posted by: |

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.

2

best switch I've ever made

Posted by: |

I had the opportunity to switch from Chase to Suncoast Credit Union while I was living in the Tampa Bay area. I searched for different credit unions and had always wanted to make the change, Suncoast was a perfect fit for my needs. This credit union has allowed me to save money, which I wasn't able to do in the past due to high fee's from my previous bank.My bank account has never gone into overdraft thanks to their free overdraft protection. Now they have this amazing service where you can pay your bills even if you don't have fund available in your account at the moment of payment. I love the suncoast rewards program on my debit card, I have been able to redeem points for travel and pay the difference if I don't have enough point to redeem the ticket. Suncoast takes care of their costumers by offering discounts on a lot of services for every day life. I have been to their actual bank maybe like 3 times everything can be done online, their app or over the phone which is amazing.

5
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Health
B+

Data as of Q4 2022

Learn why bank health matters

Health Grade Components

Overall
NCUA #68645
Year Chartered1978
Employees2337
Primary Regulator
Profit Margin
Return on Assets - YTD0.94%
Return on Equity - YTD13.13%
Annual Interest Income$504.9MM
Assets and Liabilities
AssetsQ4 2022vs Q4 2021$16.22B$14.87B
LoansQ4 2022vs Q4 2021$12.13B$10.09B
DepositsQ4 2022vs Q4 2021$14.70B$13.25B
Equity CapitalQ4 2022vs Q4 2021$1.14B$1.23B
Loan Loss AllowanceQ4 2022vs Q4 2021$129.9MM$136.7MM
Unbacked Noncurrent LoansQ4 2022vs Q4 2021$38.0MM$28.1MM
Real Estate OwnedQ4 2022vs Q4 2021$0$202.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not Suncoast Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%*$250k*-Money Market Account
OTHER TIERS: 0.70% → Up to $1k | 0.85% → $1k - $25k | 0.95% → $25k - $50k | 1.05% → $50k - $100k | 1.15% → $100k - $250k
1.25%*$250k*-Business Money Market
OTHER TIERS: 0.70% → Up to $1k | 0.85% → $1k - $25k | 0.95% → $25k - $50k | 1.05% → $50k - $100k | 1.15% → $100k - $250k
0.50%*$1k*-Uniform Transfers to Minors Money Market
OTHER TIERS: 0.15% → Up to $1k

Suncoast Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.01%--Teen Smart Checking
0.01%--Smart Checking

Suncoast Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%$500-24 Month CD
4.25%$500-Business 24 Month CD
4.25%$500-24 Month Youth Certificate
4.25%$100k-Business 24 Month Jumbo CD
4.25%$100k-24 Month Jumbo CD
4.25%$500-24 Month HSA CD
4.25%$100k-24 Month Jumbo Youth CD
4.25%$100k-24 Month Jumbo HSA CD
3.55%$500-60 Month CD
3.55%$500-Business 60 Month CD
3.55%$500-60 Month Youth Certificate
3.55%$100k-Business 60 Month Jumbo CD
3.55%$100k-60 Month Jumbo CD
3.55%$500-60 Month HSA CD
3.55%$100k-60 Month Jumbo Youth CD
3.55%$100k-60 Month Jumbo HSA CD
3.45%$500-48 Month CD
3.45%$500-Business 48 Month CD
3.45%$500-48 Month Youth Certificate
3.45%$100k-Business 48 Month Jumbo CD
3.45%$100k-48 Month Jumbo CD
3.45%$500-48 Month HSA CD
3.45%$100k-48 Month Jumbo Youth CD
3.45%$100k-48 Month Jumbo HSA CD
3.35%$500-36 Month CD
3.35%$500-Business 36 Month CD
3.35%$500-36 Month Youth Certificate
3.35%$100k-Business 36 Month Jumbo CD
3.35%$100k-36 Month Jumbo CD
3.35%$500-36 Month HSA CD
3.35%$100k-36 Month Jumbo Youth CD
3.35%$100k-36 Month Jumbo HSA CD
2.80%$500-18 Month CD
2.80%$500-Business 18 Month CD
2.80%$500-18 Month Youth Certificate
2.80%$100k-18 Month Jumbo CD
2.80%$100k-Business 18 Month Jumbo CD
2.80%$500-18 Month HSA CD
2.80%$100k-18 Month Jumbo Youth CD
2.80%$100k-18 Month Jumbo HSA CD
2.55%$500-12 Month CD
2.55%$500-Business 12 Month CD
2.55%$500-12 Month Youth Certificate
2.55%$50-12 Month Smart Start CD
2.55%$100k-Business 12 Month Jumbo CD
2.55%$100k-12 Month Jumbo CD
2.55%$500-12 Month HSA CD
2.55%$100k-12 Month Jumbo Youth CD
2.55%$100k-12 Month Jumbo HSA CD
2.55%$50-12 Month Smart Start Youth CD
2.30%$500-6 Month CD
2.30%$500-Business 6 Month CD
2.30%$500-6 Month Youth Certificate
2.30%$100k-Business 6 Month Jumbo CD
2.30%$100k-6 Month Jumbo CD
2.30%$500-6 Month HSA CD
2.30%$100k-6 Month Jumbo Youth CD
2.30%$100k-6 Month Jumbo HSA CD

Suncoast Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%$500-24 Month IRA
4.50%$100k-24 Month Jumbo IRA
3.80%$500-60 Month IRA
3.80%$100k-60 Month Jumbo IRA
3.70%$500-48 Month IRA
3.70%$100k-48 Month Jumbo IRA
3.60%$500-36 Month IRA
3.60%$100k-36 Month Jumbo IRA
3.05%$500-18 Month IRA
3.05%$100k-18 Month Jumbo IRA
2.80%$500-12 Month IRA
2.80%$100k-12 Month Jumbo IRA
2.55%$500-6 Month IRA
2.55%$100k-6 Month Jumbo IRA
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