Suncoast Credit Union Review: Checking, Savings and CDs

Suncoast Credit Union offers dividend-earning checking and savings accounts with no monthly fees, but its service area is limited.
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Assigning Editor
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Suncoast Credit Union

    Overall institution rating


    NerdWallet rating 
    The bottom line:

    If you qualify for membership, Suncoast Credit Union is a solid place to keep your money. Decent share certificate rates (the credit union equivalent of certificates of deposit), low fees and a dedication to community make it a good financial institution in Florida.

    Best for: Those who live near the institution’s branches in Florida and want simple, fee-free accounts.


    • No monthly fees.
    • Competitive rates on some share certificates.
    • Large, free, nationwide ATM network.


    • Expensive overdraft fee.
    • Limited membership.
    • Limited branch access.

    How does Suncoast Credit Union compare?

    NerdWallet rating 


    NerdWallet rating 





    With $0 min. balance for APY



    With $5,000 min. balance for APY



    Earn up to $300 with direct deposit. Terms apply.



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    NerdWallet’s overall ratings for banks and credit unions are weighted averages of several categories: checking, savings, certificates of deposit or credit union share certificates, banking experience and overdraft fees. Factors we consider, depending on the category, include rates and fees, ATM and branch access, account features and limits, user-facing technology, customer service and innovation. The stars represent ratings from poor (one star) to excellent (five stars). Ratings are rounded to the nearest half-star.