Suncoast Credit Union Review: Serving the Sunshine State

An overview of the Florida-based credit union.

Suncoast Credit Union is Florida’s largest credit union, serving more than 774,000 members across Florida. The full-service institution provides its customers with banking products and investment services like checking accounts, savings accounts and loans, plus financial resources like counseling, online calculators, workshops and webinars. Joining a credit union has many advantages — find out if Suncoast is right for you.

Suncoast Membership Eligibility

As a community credit union, Suncoast Credit Union’s membership eligibility is contingent on location. People who work, live, worship or attend school in one of the 21 Florida counties the credit union serves are eligible for membership. People with an immediate family member already in the union are also eligible. The Suncoast Credit Union website has a helpful questionnaire to help you determine if you can join or not.

Related: The Best Credit Unions Anyone Can Join

Membership comes with a variety of perks and discounts, including a free smoke alarm from ADT upon joining. You can apply online or at one of its branches. Applications take roughly 10 minutes, but make sure you have the following documents ready:

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  • A U.S. government-issued photo ID
  • Social Security number and your credit or debit card to fund your new account
  • The secondary applicant’s information, if applying for a joint account

Suncoast Checking and Savings Accounts

Suncoast offers customers both checking and savings accounts for their financial needs. Both types of accounts take advantage of the SunMobile app and yield dividends.

Suncoast Credit Union Accounts at a Glance
Name Type Initial Deposit Minimum Balance Dividend Rate APY
Regular Share Membership Savings $5 $5 0.15% 0.15%
Special Share Savings $5 $0 0.15% 0.15%
Smart Checking Checking $25 $0 0.05% 0.05%
Teen Checking Checking $5 $0 0.05% 0.05%
Smart Start Checking Checking $25 $0 0.05% 0.05%
Information accurate as of July 13, 2018.

Only the Regular Share Membership requires a minimum balance. For community-minded individuals, every time you use your Smart Start Checking debit card, Suncoast donates money to benefit local schools. Find the best savings account rate in every state.

Suncoast Credit Cards

Suncoast’s four credit cards offer competitive interest rates and additional perks. Compare the best credit union credit cards.

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  • No annual fee
  • Rewards do not expire
  • Fee-free balance transfers, cash advances or convenience checks
  • No punitive interest rates for late or missed payments
  • 25-day interest-free period for new purchases
  • No charge when different users also get a card
  • Free automatic car rental insurance
  • 24/7 online and telephone access for inquiries, cash advances and payments
  • Monthly payments are either 2 percent of the balance or $10, whichever is greater
  • Automatically updates cardholder data with participating merchants

Suncoast Credit Union credit cards have APRs as low as:

Suncoast Credit Union Credit Cards At a Glance
Name Purchase APR Cash Advance APR Balance Transfer APR Credit Limit
Rewards Platinum 8.90% 10.90% 10.90% $500 to $30,000
Rewards Classic Starter 12.90% 14.90% 14.90% $300 to $500
Rewards Student Classic 12.90% 14.90% 14.90% $500
Rewards Share Secured 14.90% 16.90% 16.90% $500 to $2,000
Information accurate as of July 13, 2018.

Suncoast Loans

Credit union members can take advantage of Suncoast loans to help achieve their financial goals. Here’s an overview of loans available from Suncoast Credit Union.

Vehicle Loans

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Besides financing a car through Suncoast, members can also refinance their vehicle to get a lower APR, shop for vehicles through its Members Only Car Sale, or augment their recreational activities through a watercraft, RV or motorcycle loan with no application fee or prepayment penalty. Compare credit union car loan rates.


Suncoast lets you know how your home-buying process is going thanks to its Loan Status Update, which sends electronic updates regarding what stage your loan is at, what the next steps are and what to expect next from your mortgage team. Suncoast’s home improvement loans come with fixed-rate interest, and it will pay up to $500 in closing costs.

Personal Loans

Customers can take out personal loans of up to $30,000, which do not require an application fee and do not carry a prepayment penalty. Suncoast also offers loans specific to computer purchases and personal lines of credit.

Learn More: 5 Best Credit Unions for Personal Loans

The Bottom Line

Suncoast Credit Union provides Floridians with a full-service range of banking services while also rewarding its members with a bevy of perks. Though its geographic concentration limits its usefulness to those outside the Sunshine State, locals might want to take advantage of what the credit union has to offer.

Click through to learn how a credit union membership can save you more money.

More on Banking at Credit Unions

This content is not provided by the companies mentioned. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by Suncoast Credit Union.

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About the Author

Sean Dennison

Sean joined the GOBankingRates team in 2018, bringing with him several years of experience with both military and collegiate writing and editing experience. Sean’s first foray into writing happened when he enlisted in the Marines, with the occupational specialty of combat correspondent. He covered military affairs both in garrison and internationally when he deployed to Afghanistan. After finishing his enlistment, he completed his BA in English at UC Berkeley, eventually moving to Southern California.

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Suncoast Credit Union Review: Serving the Sunshine State
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