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.

Smart Checking
N/A
APY
$0
Monthly fee
$0
Balance to waive monthly fee
Learn moreat Suncoast Credit Union
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Overall
Customer service
Poor
Website / app
Poor
Rates
Poor
Fees
High
Broken change counter
The change counter machine is always broken, fix it!
Overall
Customer service
Poor
Website / app
Poor
Rates
Excellent
Fees
Low
For Mortgages - NO!
I am a real estate professional and work with many different mortgage lenders in my day to day business. I chose to refinance my mortgage Suncoast because of their low mortgage rate. My experience with them was absolutely a mess. They are disorganized and unprofessional. Communication was poor. I constantly had to be reaching out to them to keep things moving. I did not even get a copy of my closing statement but had to email the processor two weeks post closing to request a copy. I also had to request the loan coupon so I could make my first payment because they didn't give me any information on how to. I set up my first payment via e-banking through my bank and the payment was rejected because the coupon they sent me had the incorrect account number on it. Unfortunately I did not realize that there was a problem with the payment until it was too late and I was charged a late fee. I would not recommend Suncoast Credit Union for a mortgage. They are terrible.
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