at Suncoast Credit Union,

Federally insured by the NCUA

4.0
(28)
2.2
94103
0

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

How does Suncoast Credit Union compare?

Suncoast Credit Union

Share Savings

NerdWallet Rating

APY

0.15%

Monthly Fees

$0

Bonus features

Mobile-friendly

No Monthly Fee

Goldman Sachs Bank USA

Online Savings

NerdWallet Rating

at Goldman Sachs Bank USA,

Member, FDIC

APY

2.15%

Monthly Fees

$0

Bonus features

No Monthly Fee

Competitive APY

HSBC

Online Savings Account

NerdWallet Rating

at HSBC,

Member, FDIC

APY

2.30%

Monthly Fees

$0

Bonus features

Competitive APY

No Monthly Fee

Not for you? Read more bank reviews

Overall

(28)
2.2
5 stars
0
4 stars
0
3 stars
0
2 stars
0
1 star
0
Customer service
Poor
Website / app
Poor
Rates
Poor
Fees
Fair

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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
Poor
Fees
High
The worst
Stubborn, stupid, incompetent people. A woman in Customer Service who thinks Florida laws are called statues. Names and telephone extensions of people you need to reach are treated as state secrets. On hold for more than 15 minutes just to find out who I needed to talk to. Avoid this place like the plague.
Last month
Overall
Customer service
Poor
Website / app
Fair
Rates
Poor
Fees
Low
CS calls are banking hours only!
Very limited, Customer Service can only be reached during banking hours. If you have any questions or issues any other time you're out of luck. Their staff is friendly but you're out of luck if you travel outside of the Tampa Bay area or need help after 5 or on weekends. There's almost never any night drop slips at any location and now that they've went paperless everything takes some much longer at the branches. Great for starter accounts, local students and anyone with financial or credit issues.
Last month
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