Pros

No fees on accounts
Decent annual percentage yields ranging from 0.60% to 2.00% on share certificates
Options available for those who don't qualify for a checking account

Cons

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

Overall

4.0

If you qualify to be a member, 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 at competing locations.

Good rates, 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 October 23, 2017

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.

Savings Account
0.35%
APY
$5
Min. balance for APY
Learn moreat Suncoast Credit Union
Smart Checking
$0
Monthly fee
None
Balance to waive monthly fee
Learn moreat Suncoast Credit Union
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
Fair
Rates
Fair
Fees
Low
Keep It Simple banking
Suncoast Credit Union is ok for basic low cost banking. But don't try to get too fancy as their systems and personnel are not sophisticated enough for more complex tasks. Their legal department cannot properly interpret a Power of Attorney document and it took the branch personnel and hour to get the incorrect answer from them on it. Website is also not as secure as it could be since it does not require 2 factor authentication and does not use anti-spoofing measures. When I tried to apply for a mortgage refinance, they initially did not return my phone call. Then when I applied online, they took so long to get back to me and were so slow to respond to my questions that the other banks had my loans processed and ready before I could even get SCU to complete the application ! And trying to get though on a telephone line is almost impossible. I have had several other credit inion accounts in other places where I have lived and none were as poor as SCU in these matters.
Overall
Customer service
Poor
Website / app
Fair
Rates
Good
Fees
Low
Mixed Review
My review is mixed. One one hand they worked with me on financing, which allowed me to qualify for a HELOC at 100% LTV, which is great! However, they also failed to disclose that my credit card accounts would be closed out in the process of qualifying. I understood they would be paid down, but not closed (which affects my credit since I had long-established accounts with good terms).
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