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 Credit Union is a solid place to keep your money. A checking account that earns dividends — along with decent share certificate rates, low fees and a dedication to community — make it a gem of a financial institution in Florida.

Ratings methodology | Updated February 22, 2019

Checking

4.5

Suncoast’s Smart Checking account has no monthly fees and earns 0.05% APY. There is also no minimum opening deposit requirement, though you will need to be a Suncoast member to open an account. There are banks and credit unions that offer higher rates on checking accounts, but many are online-only, and some require higher minimums.

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
Fair
Rates
Fair
Fees
Low
Was once the best
Once upon a time the best financial institution for personal banking. No more. The customer service and follow through on assistance are horrible. Too many employees who do not know what to do except read a script or spout memorized phrases. Too, too bad. So much potential
Overall
Customer service
Poor
Website / app
Poor
Rates
Poor
Fees
High
Way behind
I switched to this bank in hopes their online banking experience would make more sense than my last. It's worse. Once you send an online bill of any kind, it never subtracts that amount from your available balance. So you think you have way more money in the account than you actually do. When I finally got to talk with someone about this, I was told there was a 3rd party company handling bill pay and there's nothing they can do. Such a basic and necessary feature. Now I have to switch banks again!
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