Suncoast Credit Union Checking and Savings Options

Suncoast Credit Union offers a variety of checking and savings options to suit different needs and lifestyles.

Their checking accounts are designed to be low-cost, with no monthly maintenance fees for balances over $100. Members can also take advantage of free online banking and bill pay.

Suncoast Credit Union's savings accounts offer competitive interest rates, making them a great way to grow your savings over time.

Suncoast Credit Union offers a range of savings and checking accounts with varying interest rates and low initial deposits. You can choose from multiple types of accounts to suit your needs.

Money market accounts and share certificates (CDs) are available with higher deposits, but they're still among the more affordable options out there, with initial deposits of $1,000 and $500, respectively.

Suncoast Credit Union offers higher interest rates than comparable CDs at many national banks, making it a great option for those looking to grow their savings.

Free notary service is included with membership, which is a huge convenience if you need to get documents signed quickly.

You'll also get free money orders, which can be a big time-saver if you need to send or receive money frequently.

And, as an added bonus, Suncoast Credit Union provides $2,000 in free accidental death and dismemberment insurance with membership.

Suncoast Credit Union offers multiple types of savings and checking accounts with varying interest rates and low initial deposits.

One of the notable features of their savings accounts is that money market accounts require a higher deposit, but at just $1,000, it's one of the more affordable options you'll see.

You'll also find share certificates, also known as CDs, which require a deposit of $500.

Suncoast Credit Union offers a rare gem in the form of their Smart Checking and Teen Checking accounts, both of which have no minimum balance requirement and come with no monthly or yearly fees.

These accounts also earn interest, which is a huge perk for those who don't want to deal with high minimum balance requirements or monthly fees.

You can access your account through online banking, mobile banking, or visit one of their physical branches.

Suncoast Credit Union is insured by the National Credit Union Administration (NCUA) up to $250,000, giving you peace of mind that your money is safe.

One of the standout features of these accounts is the rewards debit card, which earns one point for every $3 you spend.

You can use those points for travel, merchandise, or even discounted gas at participating BP stations.

The credit union also donates 2 cents to the Suncoast Credit Union Foundation for every purchase you make with your debit card, which supports local children in need.

Here's a quick summary of the key features of Smart Checking and Teen Checking:

To become a member of Suncoast Credit Union, you're required to open a Regular Share Membership as your first account. This account requires a minimum deposit of just $5.

The Regular Share Membership earns interest, but not as much as you'd find with a high-interest savings account elsewhere. You need to keep at least $5 in the account to stay a member.

You can also open a Special Share Savings Account, which has no minimum deposit to open. This account doesn't require you to keep a balance, so you could withdraw every last cent without facing a fee or account closure.

Both Regular Share Membership and Special Share Savings Account are covered by the National Credit Union Administration (NCUA) up to $250,000, providing account protection similar to FDIC insurance.

Here are the key features of the Regular and Special Share Savings Accounts:

The Special Share Savings Account offers flexibility, as you can withdraw money without penalty or account closure. It's a good option if you want to save for a specific goal, such as vacations or holiday spending.

Suncoast Credit Union offers a variety of investment options to help you grow your money.

With a range of CDs, you can earn a fixed rate of return on your deposits, as high as 4.00% APY for a 5-year term.

Suncoast Credit Union's IRAs allow you to save for retirement with tax benefits, including traditional and Roth IRA options.

Their investment services also include brokerage accounts, allowing you to buy and sell securities, such as stocks, bonds, and mutual funds.

Suncoast Credit Union's investment options are designed to help you achieve your long-term financial goals, whether it's saving for a down payment on a house or retirement.

Suncoast Credit Union offers a range of financial services to its members, including a variety of checking and savings accounts.

Their checking accounts have low or no monthly maintenance fees, making it easy to manage your finances without breaking the bank.

Suncoast Credit Union also offers a savings account with a high-yield interest rate, helping your money grow over time.

With mobile banking, you can easily access your accounts and manage your finances on the go, making it convenient to stay on top of your finances.

Their credit union is a not-for-profit organization, meaning that any profits are reinvested into the credit union, benefiting its members.

Suncoast Credit Union also offers financial education resources, including online courses and workshops, to help you make informed financial decisions.

Suncoast Credit Union stands out for its lack of monthly maintenance fees on all its deposit accounts. This can help you keep more of your money where it belongs.

You won't find any monthly fees on accounts like the Smart Checking Account, Regular Share Membership, or even the Minor Savings Account. However, you will need to deposit $5 to open the Share Membership account that establishes your membership.

Here's a breakdown of the fees you can expect to pay at Suncoast Credit Union:

Fees can be a real headache when it comes to managing your finances. Suncoast Credit Union stands out for its lack of monthly maintenance fees on its deposit accounts.

You won't find any monthly fees on accounts like the Smart Checking Account or the Regular Share Membership. These accounts are free to maintain, which is a big plus.

The only fee you'll find is a $5 deposit required to open the Regular Share Membership account. This establishes your membership with the credit union.

Other fees, such as overdrafts, are not disclosed on the website, so you'll need to contact customer service for more information.

Here's a breakdown of the fees for each account type:

Suncoast's Regular Share Membership account requires a $5 minimum opening deposit.

You can open a checking account with Suncoast without an additional minimum opening deposit, except for the Minor Savings Account.

The money market account at Suncoast does not have a minimum opening balance.

Suncoast's certificates, however, do have minimum opening deposits, ranging from $50 to $100,000, depending on the type of CD you choose.

Annual revenue is a key financial metric that measures a company's total income from its operations over a specific period, usually a year. The Suncoast Credit Union annual revenue was $805.9 million in 2025.

A high annual revenue doesn't necessarily mean a company is profitable, as it doesn't account for expenses and other financial obligations. This is evident in the case of the Suncoast Credit Union, which had an annual revenue of $805.9 million in 2025.

Understanding a company's annual revenue is crucial for investors, stakeholders, and customers who want to gauge its financial health and stability.

Suncoast Credit Union excelled with a 4.7 rating for its outstanding features. This score is a testament to the credit union's dedication to providing top-notch banking services.

The credit union's overall rating is a result of its impressive banking experience. GOBankingRates gave it a high score for its exceptional features.

With a 4.7 rating, it's clear that Suncoast Credit Union is a leader in the banking industry. This rating is a direct reflection of the credit union's commitment to excellence.

Suncoast Credit Union's outstanding features are what set it apart from other financial institutions.

Opening an account with Suncoast Credit Union is relatively straightforward. You can sign up online or visit a branch location to get started.

To open an account, you'll need to provide personal data such as your Social Security number, address, and ID. This can be done online, over the phone, or in-person at a branch.

Once you've input your information, you'll need to fund your account with a minimum deposit. Most accounts have a minimum deposit requirement, which can be met using cash, a check, electronic transfer, or wire transfer.

The minimum opening deposits for Suncoast's accounts are generally low or non-existent. For example, the Regular Share Membership account requires just a $5 minimum opening deposit. However, some certificates do have minimum opening deposits, ranging from $50 to $100,000 depending on the type of CD.

To track your savings progress, you can use Suncoast's website and mobile app. This allows you to calculate your savings growth and compare accounts to find the best option for your needs.

Suncoast Credit Union has 64 branch locations throughout the western coast of Florida.

To become a member, you must live, work, attend school, or worship in one of the 21 counties they serve, which include Citrus, Collier, DeSoto, and many more.

These counties are scattered along the western coast of Florida, making it easy to find a branch near you.

You can also join if you're an alumnus of a Florida college.

Suncoast Credit Union has a strong presence in the region, with multiple branches available for members to access their accounts and receive financial services.

Opening an account with Suncoast Credit Union is a straightforward process. You can start by proving your residency in one of the 21 eligible Florida counties, which requires an ID with your current address or other proof such as vehicle registration, lease agreement, voter registration card, W-2 or utility bill.

You can sign up online or visit a branch location to open an account. To get started, you'll need to provide personal data such as your Social Security number, address, and ID. You can also call and speak with a representative if you're not comfortable opening an account online.

To fund your account, you can use cash, check, electronic transfer, or wire transfer. Most accounts have a minimum deposit requirement, which can be as low as $5 for some accounts. You can find the full list of minimum deposit requirements on Suncoast's website.

Here are some key details to keep in mind when opening an account with Suncoast Credit Union:

Once you've funded your account, you'll start earning interest if it's an interest-earning account. You can track your savings progress using Suncoast's website and mobile app.

Suncoast Credit Union is chartered in 1934 as Hillsborough County Teachers Credit Union.

The credit union operates 79 full-service branches and serves more than 1.2 million members across Florida.

Anyone who lives, works, attends school, or worships in Suncoast Credit Union's service area is eligible for membership.

Suncoast Credit Union's field of membership was expanded in 2021 to include public K-12 teachers, college educators, and educational support staff from all of Florida's 67 counties.

Melva McKay-Bass is the Senior Vice President of Business Development of Suncoast Credit Union.

Suncoast Credit Union has a dedicated leader for business development, ensuring the company's growth and partnerships are well-managed.

Melva McKay-Bass oversees the business development efforts at Suncoast Credit Union, playing a crucial role in the company's success.

The SIC code is a crucial piece of information for businesses and researchers alike. It's a code assigned to a company's primary business activity.

Suncoast Credit Union has multiple SIC codes: 63, 60, 637, and 61. These codes indicate the company's involvement in various financial activities.

Having a clear understanding of a company's SIC code can help you quickly identify its primary business focus.

Suncoast Credit Union is the largest credit union in Florida and the 8th largest in the United States based on membership.

It operates 79 full-service branches and serves over 1.2 million members across Florida.

Anyone who lives, works, attends school, or worships in Suncoast Credit Union's service area is eligible for membership.

Suncoast Credit Union has a strong commitment to community support, with its foundation raising and donating over $45 million since its founding in 1990.

The credit union's service area has been expanded to include public K-12 teachers, college educators, and educational support staff from all 67 counties in Florida.

Suncoast Credit Union has some stiff competition in the financial industry. One of its main competitors is Ally Bank, which is an internet-only bank that offers lower costs and therefore better interest rates on savings and checking accounts.

Ally Bank's lack of brick-and-mortar locations lets it keep costs down, but Suncoast has a more extensive branch network if you prefer to bank in person.

Suncoast's APYs are more competitive than Bank of America's, with its Regular Share Membership Account paying a higher APY than Bank of America's Advantage Savings.

Bank of America has a massive network of 3,800 retail locations and 15,000 ATMs across the country, making it easy to find a branch or ATM near you.