Advertiser Disclosure

Pros

No fees on accounts.
0.65% to 2.25% APYs on share certificates, among the best you'll find.
Options available for those who don't qualify for a checking account.

Cons

Membership limited to western Florida.
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 | Reviewed Sept. 28, 2016

Checking

4.5

Suncoast offers two checking accounts that are completely free: smart checking and teen checking. And those who don’t qualify for either may be eligible for a Solar Account, a fee-free prepaid debit card. The APY of 0.15% on all accounts is higher than many rates at 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.