at Suncoast Credit Union,

Federally insured by the NCUA

Pros

No monthly fees on accounts
Good annual percentage yields for share certificates
Options available for those who don't qualify for a checking account
Branches throughout western Florida

Cons

Membership limited to immediate family of members, residents of western Florida and alumni of Florida College
Doesn't participate in shared branching

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Overall

4.0

If you qualify for membership, Suncoast is a rock-solid place to keep your money. The credit union offers quality accounts and products, even for people who might not qualify for traditional checking accounts.

 

Good rates — especially for a financial institution with branches — low fees and a dedication to community accessibility make Suncoast Credit Union a gem of a financial institution on the western Florida coast.

Ratings methodology | Updated February 22, 2019

Checking

4.5

Suncoast offers two free checking accounts: Smart Checking and Teen Checking. The APY of 0.05% on all accounts is higher than the rates at many other banks and credit unions but isn’t the best in the country.

Share Savings
APY
0.15%
Min. balance for APY
$5

at Suncoast Credit Union,

Federally insured by the NCUA

NerdWallet reviews are the result of independent research by our editorial team while accountholder reviews are contributions from independent users not affiliated with NerdWallet. Banks, issuers and credit card companies are not responsible for any content posted on the NerdWallet site, nor do they endorse or guarantee any posted comments or reviews.
Overall
Customer service
Poor
Website / app
Poor
Rates
Fair
Fees
High
hold on my check??
2 day hold turned into 30 day hold??? after calling to ask if they could release 2 day hold as check I deposited was to pay my mortgage and credit card. they are playing games.
Overall
Customer service
Poor
Website / app
Fair
Rates
Fair
Fees
Low
Coin counting machine
As a long time member while living in Florida I banked almost exclusively at Suncoast. Moved out of state but still travel back 3/4 times a year. Still have 2 IRA, checking and savings accounts there. On one of my trips back to Florida I decided to take my along to cash it in and leave it in my checking. I had quite a bit (2 years) of change and stopped by the San Carlos branch only to find their machine out of service. Went back another day and still OOS. Went to the Daniels branch and their machine also out of service. A young man explained it was full and not broken. I explained I was out of state and leaving that day. Could someone empty it so it was useable? He told me they were busy they would get to it later. He then proceeded to tell me that Walmart cash’s in change and I should go there. I like that Suncoast offers a no fee charge for members. Walmart offers coinstar and there is an 11% surcharge deducted from your total. I’m guessing I had around $300 in change and didn’t feel like giving $33+ to coinstar/Walmart. This is more about the semi rude attitude of a Suncoast employee basically telling me to take my business elsewhere because they were busy. Sadly I carried my change bag (very heavy) back north and will try next time I come to Florida. And no I don’t want to leave my name or account information for someone to contact me. Sadly before I left the state I noticed a change in the quality of people Suncoast was hiring and while there are still a lot of great people working there, they now IMO are in the minority.
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