Student Savings Accounts and College Savings Plans

Getting educated is the first step in successful saving — and we can help. We believe it’s important that you understand how to maximize your efforts, in addition to putting money away for a rainy day.

Select a Service:

  • Compare Student Savings Accounts

    It’s never too early to establish good savings habits. At Suncoast, you’ll get higher returns on your savings and a variety of products to choose from.

Choose a Product:

Minimum Balance

Minimum Balance

Rate Type

Rate Type

Fixed or Variable

Dividend Rates

Dividend Rates

APY**

APY**

Annual Percentage Yield

Regular Share Membership $5

Minimum Balance

$5.00

Rate Type

Variable

Dividend Rates

0.050 %

APY**

0.050 %

Special Share (Savings) $0

Minimum Balance

$0.00

Rate Type

Variable

Dividend Rates

0.050 %

APY**

0.050 %

Youth Certificate 6 Month Term

Minimum Balance

$500.00

Rate Type

Fixed

Dividend Rates

0.399 %

APY**

0.400 %

Youth Certificate 12 Month Term

Minimum Balance

$500.00

Rate Type

Fixed

Dividend Rates

0.499 %

APY**

0.500 %

Youth Certificate 18 Month Term

Minimum Balance

$500.00

Rate Type

Fixed

Dividend Rates

0.548 %

APY**

0.550 %

Youth Certificate 24 Month Term

Minimum Balance

$500.00

Rate Type

Fixed

Dividend Rates

0.648 %

APY**

0.650 %

Youth Certificate 36 Month Term

Minimum Balance

$500.00

Rate Type

Fixed

Dividend Rates

0.846 %

APY**

0.850 %

Youth Certificate 48 Month Term

Minimum Balance

$500.00

Rate Type

Fixed

Dividend Rates

0.995 %

APY**

1.000 %

Youth Certificate 60 Month Term

Minimum Balance

$500.00

Rate Type

Fixed

Dividend Rates

1.094 %

APY**

1.100 %

Smart Start Certificate 12 Month Term

Minimum Balance

$50.00

Rate Type

Fixed

Dividend Rates

0.499 %

APY**

0.500 %

Additional Information

  • Regular Share Membership
    • 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.
    • Dividends are compounded monthly and credited monthly.
    • You must maintain a balance of $5 to stay a member
  • Special Share (Savings)
    • 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.
    • Dividends are compounded monthly and credited monthly.
    • On variable rate accounts the rate may change after account opening.
  • Youth Certificate
    • Penalty will or may be imposed for early withdrawal.
  • Smart Start Certificate
    • 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.
    • A penalty will or may be imposed for early withdrawals: 90 days of dividends on terms of 12 months or less; 180 days of dividends on terms longer than 12 months.
    • If the account has not yet earned enough dividends or if the dividends have already been paid, the penalty will be deducted from the principal.
    • Dividends are compounded daily and credited monthly.

Choose a Product:

Initial Deposit

Initial Deposit

Account Balance

Account Balance

Rate Type

Rate Type

Fixed or Variable

Dividend Rates

Dividend Rates

APY**

APY**

Annual Percentage Yield

Uniform Transfers to Minors $0

Initial Deposit

$0.00

Account Balance

$0.00 - $999.99

Rate Type

Variable

Dividend Rates

0.150 %

APY**

0.150 %

Uniform Transfers to Minors $1,000

Initial Deposit

$0.00

Account Balance

$1,000.00 and greater

Rate Type

Variable

Dividend Rates

0.499 %

APY**

0.500 %

Additional Information

  • Uniform Transfers to Minors
    • 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.
    • Dividends are compounded monthly and credited monthly.
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Retirement Savings

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