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Save With Us

No matter what you might be saving for, Suncoast provides the products, services and individual attention you need that make it easy to save.

Services that Set Us Apart

When it comes to saving, Suncoast members are at an advantage — enjoying higher dividends, flexible terms and all the products and services you need to make saving easy.

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    Save for Now and Later

    Saving is more than simply putting money aside — there are many options and paths to choose from when it comes to saving and investing your money. Suncoast offers several types of savings accounts to meet your needs, and because we’re a credit union, we can offer a lot of benefits that banks don’t.

    • Higher returns on your deposits. As a credit union, we return earnings to our members in the form of competitive savings rates.
    • Federal insurance. Your credit union savings are federally insured up to at least $250,000 and backed by the full faith and credit of the United States Government through the National Credit Union Administration (NCUA).
    • Future planning. It’s never too early to start thinking about the future. Suncoast has services to help you plan for all life stages, including retirement.
    • Make savings deposits on the go. Use our app, SunMobile to make quick and convenient mobile deposits directly to your savings accounts.

    Request more information about Suncoast Savings Accounts.

    Not a member? Check eligibility.


Explore Higher Earnings on Savings

Our savings accounts include all the services you’d expect along with favorable rates to earn you more for your money. See for yourself.

Product Name

Initial Deposit

Minimum Balance

Rate Type

Dividend Rates*

APY**

Term in Months

Regular Share Membership $5.00 $5.00 Variable 0.15 % 0.15 % N/A
  • The account you get when you first become a Suncoast member, your Share Savings requires only a $5 opening deposit and gives you access to all other Suncoast products and services.
  • This traditional savings plan pays competitive dividends that will help your money grow.
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  • Dividends are compounded monthly and credited monthly.
  • You must maintain a balance of $5 to stay a member.
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Special Share (Savings) $5.00 $0.00 Variable 0.15 % 0.15 % N/A
  • Save for special occasions such as vacations, holiday spending or for anything you want to keep separate from your other savings accounts.
  • You'll earn dividends at the regular share rate and there's no minimum balance requirement.
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  • Dividends are compounded monthly and credited monthly.
  • On variable rate accounts the rate may change after account opening.
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Share Certificate $500.00 $500.00 Fixed 0.60 % 0.60 % 6
  • Higher dividend rates, higher earnings, easy automatic savings.
  • Terms to fit your financial needs.
  • Types of Share Certificates available: Traditional, Retirement: IRA/Roth/SEP/DCP, Coverdell Education Savings Account, Health Savings Account, and Business Certificate Account.
  • Initial deposit and minimum balance of $500 is required.
  • Suncoast members may open a new Certificate Account by phone with the Members Contact Center, in any branch or by sending secure email through SunNet Online Banking. If emailing, include the account from which the funds are to come, the desired term in months, and whether you wish to have the dividends added to the certificate or transferred to another deposit account.
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  • Penalty will or may be imposed for early withdrawal with no loss of initial investment : 90 days of dividends on terms of 12 months or less; 180 days of dividends on terms longer than 12 months.
  • Dividends are compounded daily and credited monthly.
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$500.00 $500.00 Fixed 0.80 % 0.80 % 12
  • Higher dividend rates, higher earnings, easy automatic savings.
  • Terms to fit your financial needs.
  • Types of Share Certificates available: Traditional, Retirement: IRA/Roth/SEP/DCP, Coverdell Education Savings Account, Health Savings Account, and Business Certificate Account.
  • Initial deposit and minimum balance of $500 is required.
  • Suncoast members may open a new Certificate Account by phone with the Members Contact Center, in any branch or by sending secure email through SunNet Online Banking. If emailing, include the account from which the funds are to come, the desired term in months, and whether you wish to have the dividends added to the certificate or transferred to another deposit account.
Read More >
  • Penalty will or may be imposed for early withdrawal with no loss of initial investment : 90 days of dividends on terms of 12 months or less; 180 days of dividends on terms longer than 12 months.
  • Dividends are compounded daily and credited monthly.
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$500.00 $500.00 Fixed 1.09 % 1.10 % 18
  • Higher dividend rates, higher earnings, easy automatic savings.
  • Terms to fit your financial needs.
  • Types of Share Certificates available: Traditional, Retirement: IRA/Roth/SEP/DCP, Coverdell Education Savings Account, Health Savings Account, and Business Certificate Account.
  • Initial deposit and minimum balance of $500 is required.
  • Suncoast members may open a new Certificate Account by phone with the Members Contact Center, in any branch or by sending secure email through SunNet Online Banking. If emailing, include the account from which the funds are to come, the desired term in months, and whether you wish to have the dividends added to the certificate or transferred to another deposit account.
Read More >
  • Penalty will or may be imposed for early withdrawal with no loss of initial investment : 90 days of dividends on terms of 12 months or less; 180 days of dividends on terms longer than 12 months.
  • Dividends are compounded daily and credited monthly.
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$500.00 $500.00 Fixed 1.24 % 1.25 % 24
  • Higher dividend rates, higher earnings, easy automatic savings.
  • Terms to fit your financial needs.
  • Types of Share Certificates available: Traditional, Retirement: IRA/Roth/SEP/DCP, Coverdell Education Savings Account, Health Savings Account, and Business Certificate Account.
  • Initial deposit and minimum balance of $500 is required.
  • Suncoast members may open a new Certificate Account by phone with the Members Contact Center, in any branch or by sending secure email through SunNet Online Banking. If emailing, include the account from which the funds are to come, the desired term in months, and whether you wish to have the dividends added to the certificate or transferred to another deposit account.
Read More >
  • Penalty will or may be imposed for early withdrawal with no loss of initial investment : 90 days of dividends on terms of 12 months or less; 180 days of dividends on terms longer than 12 months.
  • Dividends are compounded daily and credited monthly.
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$500.00 $500.00 Fixed 1.49 % 1.50 % 36
  • Higher dividend rates, higher earnings, easy automatic savings.
  • Terms to fit your financial needs.
  • Types of Share Certificates available: Traditional, Retirement: IRA/Roth/SEP/DCP, Coverdell Education Savings Account, Health Savings Account, and Business Certificate Account.
  • Initial deposit and minimum balance of $500 is required.
  • Suncoast members may open a new Certificate Account by phone with the Members Contact Center, in any branch or by sending secure email through SunNet Online Banking. If emailing, include the account from which the funds are to come, the desired term in months, and whether you wish to have the dividends added to the certificate or transferred to another deposit account.
Read More >
  • Penalty will or may be imposed for early withdrawal with no loss of initial investment : 90 days of dividends on terms of 12 months or less; 180 days of dividends on terms longer than 12 months.
  • Dividends are compounded daily and credited monthly.
< Go Back
$500.00 $500.00 Fixed 1.73 % 1.75 % 48
  • Higher dividend rates, higher earnings, easy automatic savings.
  • Terms to fit your financial needs.
  • Types of Share Certificates available: Traditional, Retirement: IRA/Roth/SEP/DCP, Coverdell Education Savings Account, Health Savings Account, and Business Certificate Account.
  • Initial deposit and minimum balance of $500 is required.
  • Suncoast members may open a new Certificate Account by phone with the Members Contact Center, in any branch or by sending secure email through SunNet Online Banking. If emailing, include the account from which the funds are to come, the desired term in months, and whether you wish to have the dividends added to the certificate or transferred to another deposit account.
Read More >
  • Penalty will or may be imposed for early withdrawal with no loss of initial investment : 90 days of dividends on terms of 12 months or less; 180 days of dividends on terms longer than 12 months.
  • Dividends are compounded daily and credited monthly.
< Go Back
$500.00 $500.00 Fixed 1.98 % 2.00 % 60
  • Higher dividend rates, higher earnings, easy automatic savings.
  • Terms to fit your financial needs.
  • Types of Share Certificates available: Traditional, Retirement: IRA/Roth/SEP/DCP, Coverdell Education Savings Account, Health Savings Account, and Business Certificate Account.
  • Initial deposit and minimum balance of $500 is required.
  • Suncoast members may open a new Certificate Account by phone with the Members Contact Center, in any branch or by sending secure email through SunNet Online Banking. If emailing, include the account from which the funds are to come, the desired term in months, and whether you wish to have the dividends added to the certificate or transferred to another deposit account.
Read More >
  • Penalty will or may be imposed for early withdrawal with no loss of initial investment : 90 days of dividends on terms of 12 months or less; 180 days of dividends on terms longer than 12 months.
  • Dividends are compounded daily and credited monthly.
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Smart Start Certificate $50.00 $50.00 Fixed 0.80 % 0.80 % 12
  • An easy way to start a regular savings plan - get started with only a $50 opening deposit and a commitment to at least $40 per month made by payroll deduction or automatic transfer. Within 12 months, you'll have saved $500 which you can then roll over into a traditional certificate account.
  • Suncoast members may open a new Certificate Account by phone with the Member Care Center, in any branch or by sending secure email through SunNet Online Banking. If emailing, include the account from which the funds are to come, and whether you wish to have the dividends added to the certificate or transferred to another deposit account.
Read More >
  • Penalty will or may be imposed for early withdrawal with no loss of initial investment. : 90 days of dividends on terms of 12 months or less; 180 days of dividends on terms longer than 12 months.
  • Dividends are compounded daily and credited monthly.
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Product Name

Initial Deposit

Account Balance

Rate Type

Dividend Rates*

APY**

Term in Months

Money Market Account $1,000.00 $0.00 - $999.99 Variable 0.15 % 0.15 % N/A
  • A high-yield account with a tiered dividend rate. Once a particular balance range is met, the dividend rate and Annual Percentage Yield for that balance range will apply to the full balance of your account.
  • No minimum balance is required, however a minimum of $1,000 is needed to earn interest.
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  • Dividends are compounded daily and credited monthly.
  • Interest rate varies based upon account balance.
  • Rates are variable and may change after the account is opened.
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$1,000.00 $1,000.00 - $24,999.99 Variable 0.35 % 0.35 % N/A
  • A high-yield account with a tiered dividend rate. Once a particular balance range is met, the dividend rate and Annual Percentage Yield for that balance range will apply to the full balance of your account.
  • No minimum balance is required, however a minimum of $1,000 is needed to earn interest.
Read More >
  • Dividends are compounded daily and credited monthly.
  • Interest rate varies based upon account balance.
  • Rates are variable and may change after the account is opened.
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$1,000.00 $25,000.00 - $49,999.99 Variable 0.35 % 0.35 % N/A
  • A high-yield account with a tiered dividend rate. Once a particular balance range is met, the dividend rate and Annual Percentage Yield for that balance range will apply to the full balance of your account.
  • No minimum balance is required, however a minimum of $1,000 is needed to earn interest.
Read More >
  • Dividends are compounded daily and credited monthly.
  • Interest rate varies based upon account balance.
  • Rates are variable and may change after the account is opened.
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$1,000.00 $50,000.00 - $99,999.99 Variable 0.45 % 0.45 % N/A
  • A high-yield account with a tiered dividend rate. Once a particular balance range is met, the dividend rate and Annual Percentage Yield for that balance range will apply to the full balance of your account.
  • No minimum balance is required, however a minimum of $1,000 is needed to earn interest.
Read More >
  • Dividends are compounded daily and credited monthly.
  • Interest rate varies based upon account balance.
  • Rates are variable and may change after the account is opened.
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$1,000.00 $100,000.00 and greater Variable 0.45 % 0.45 % N/A
  • A high-yield account with a tiered dividend rate. Once a particular balance range is met, the dividend rate and Annual Percentage Yield for that balance range will apply to the full balance of your account.
  • No minimum balance is required, however a minimum of $1,000 is needed to earn interest.
Read More >
  • Dividends are compounded daily and credited monthly.
  • Interest rate varies based upon account balance.
  • Rates are variable and may change after the account is opened.
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Uniform Transfers to Minors $0.00 $0.00 - $999.99 Variable 0.15 % 0.15 % N/A
  • A custodial account, established under the Florida Uniform Transfers to Minors Account, UTMA can be used as a savings, checking, certificate or money market account and allows you to permanently transfer funds to a minor.
  • Funds withdrawn can only be used for the designated minor.
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  • Dividends are compounded monthly and credited monthly.
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$0.00 $1,000.00 and greater Variable 0.50 % 0.50 % N/A
  • A custodial account, established under the Florida Uniform Transfers to Minors Account, UTMA can be used as a savings, checking, certificate or money market account and allows you to permanently transfer funds to a minor.
  • Funds withdrawn can only be used for the designated minor.
Read More >
  • Dividends are compounded monthly and credited monthly.
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retire

Retirement Savings

Suncoast offers the advice and resources you need to be successful in financial planning throughout your life.