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.
Margarette Burnette
By Margarette Burnette 
Edited by Yuliya Goldshteyn

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Suncoast Credit Union

    Overall institution rating

    4.0

    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.

    Pros

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

    Cons

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

    How does Suncoast Credit Union compare?

    NerdWallet rating 

    4.5

    /5
    NerdWallet rating 

    4.5

    /5

    APY 

    4.60%

    With $0 min. balance for APY

    APY 

    5.05%

    With $5,000 min. balance for APY

    Bonus 

    $400

    Up to $300 cash and $100 in rewards points. Terms apply.

    Bonus 

    N/A

    Learn more

    at SoFi Bank, N.A.

    Learn more

    at CIT Bank

    Methodology

    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.