Easy to Borrow

Suncoast has made it easy to turn your dreams into reality — no matter what your specific loan need may be.

Select a Service:

  • Personal-Loans-Tab5-Special-Services.JPG

    Special Services

    Our members need financial assistance for a number of reasons. Whatever the reason, we provide personalized, one-on-one guidance to help you determine the best financial path for your circumstances.

    Loan Workouts

    If you’re struggling to make your loan payments, we have a variety of loan workout options that can help.

    Withdrawal Without Penalty

    If you’ve got a backup fund but are afraid of early withdrawal penalty fees, Suncoast can help. When you apply for Withdrawal Without Penalty, we’ll allow you to take funds from your share certificate and we will waive the normal fees.

    Remember, Suncoast has a variety of programs to help you work through hardships. Get started by downloading these forms below or call Members Solutions at 800-999-5887.

    Member Solutions Request 

    Express Application 

    Explanation of Financial Hardship 

    Financial Analysis Worksheet



    Get additional information about special services.


We Want to Save You Money

At Suncoast, we understand that making big purchases can be intimidating, that’s why we offer a variety of loan options to best meet your financial needs.

Choose a Product:

Product

APR*
as low as

Rate Type

Max Term**

Show Product Detail
Signature - 60 mos.

APR*
as low as

10.50 %

Rate Type

Fixed

Max Term**

60 mos.

  • Competitive rates with no collateral requirement.
  • No application fee. No prepayment penalty.
  • Requires automatic payment method; coupon payments will result in a higher rate.
  • No collateral required for these loans.
  • Maximum loan amount $30,000.
  • Payment Example: 60 payments of $21.50 per $1,000 borrowed based upon a 10.50% APR.
Show Product Detail
Computer - 36 mos.

APR*
as low as

9.25 %

Rate Type

Fixed

Max Term**

36 mos.

  • Whether you need a new computer for home, school, work or fun, see Suncoast first!
  • Get pre-approved. Apply in person, by phone or online.
  • No application fee. No prepayment penalty.
  • Requires automatic payment method; coupon payments will result in a higher rate.
  • Financing available for computers, monitors and printers.
  • Payment Example: 36 payments of $31.93 per $1,000 borrowed based upon a 9.25% APR.
Show Product Detail
Personal Line of Credit - 0 mos.

APR*
as low as

9.50 %

Rate Type

Fixed

Max Term**

0 mos.

  • With a Suncoast personal line of credit, you can rest easy knowing you have money available, when you need it.
  • Unsecured line of credit with a pre-set limit.
  • Get advances up to your available limit without additional approval.
  • Access your account through SunNet Online Banking, SunTel telephone banking, Members Contact Center, your local branch or by special checks.
  • Use as overdraft protection for your checking account.
  • No application fee. No prepayment penalty.
  • Maximum loan amount $30,000.
  • Payment amount is 3% of the balance owed on the account.

Choose a Product:

Product

APR*
as low as

Rate Type

Max Term**

Show Product Detail
Equity Line of Credit - 180 mos.

APR*
as low as

5.50 %

Rate Type

Variable

Max Term**

180 mos.

  • Competitive interest rates and flexible terms.

  • Suncoast pays up to $500 toward closing costs.

  • Up to 100% loan-to-value available for qualified borrowers.

  • No Annual or Transaction Fees. Interest paid on this product may be tax deductible. Consult a tax advisor regarding the deductibility of interest.

  • Annual Percentage Rate may vary over time.
  • Adjustable Rate Details: Adjustable rates are subject to an increase in rate and payment after the loan is closed. The annual percentage rate can change quarterly on the first day of January, April, July and October. The rate cannot increase or decrease more than .50% percentage point at each adjustment. The maximum annual percentage rate shall not exceed the lesser of 6% over the initial rate or 18%. The annual percentage rate will not go below the greater of 4.0%; which is considered the floor, or 6% below the initial rate. The index is the Wall Street Journal Prime Rate.
  • Maximum LTV is 100%.
  • LTV's from 80.01% - 100% may qualify for our MI Equity Line of Credit product. Rate will be higher than the standard Equity Line of Credit.
  • Rate will be higher than the standard Home Equity Rate.
  • Loans available on primary residences in Florida only.
  • Typical closing costs range from $230 to $994. Costs for appraisals and title insurance range from $350 to $1,900 depending on loan to value and loan amount.
Show Product Detail
Home Equity 5 Years - 60 mos.

APR*
as low as

6.00 %

Rate Type

Fixed

Max Term**

60 mos.

  • Competitive interest rates and flexible terms.
  • Suncoast pays up to $500.00 towards closing costs.
  • Up to 100% loan-to-value available for qualified borrowers.
  • No Annual or Transaction Fees.
  • Interest paid on this product may be tax deductible. Consult a tax advisor regarding the deductibility of interest.
  • Fixed Rate Details: Principal and interest payments remain the same throughout the term of your loan. Additional advances limited to the first 36 months of the loan term and may not exceed the original mortgage amount.
  • Maximum LTV is 100%.
  • LTV's from 80.01% - 100% may qualify for our MI Home Equity product. Rate will be higher than standard Home Equity product.
  • Loans available on primary residences in Florida only.
  • Typical closing costs range from $230 to $994. Costs for appraisals and title insurance range from $350 to $1,900 depending on loan to value and loan amount.
Show Product Detail
Home Equity 15 Years - 180 mos.

APR*
as low as

7.00 %

Rate Type

Fixed

Max Term**

180 mos.

  • Competitive interest rates and flexible terms.
  • Suncoast pays up to $500 toward closing costs.
  • Up to 100% loan-to-value available for qualified borrowers.
  • No Annual or Transaction Fees. Interest paid on this product may be tax deductible. Consult a tax advisor regarding the deductibility of interest.
  • Fixed Rate Details: Principal and interest payments remain the same throughout the term of your loan. Additional advances limited to the first 36 months of the loan term and may not exceed the original mortgage amount.
  • Maximum LTV is 100%.
  • LTV's from 80.01% - 100% may qualify for our MI Home Equity product. Rate will be higher than standard Home Equity product.
  • Loans available on primary residences in Florida only.
  • Typical closing costs range from $230 to $994. Costs for appraisals and title insurance range from $350 to $1,900 depending on loan to value and loan amount.
Show Product Detail
Home Equity 20 Years - 240 mos.

APR*
as low as

5.50 %

Rate Type

Variable

Max Term**

240 mos.

  • Competitive interest rates and flexible terms.
  • Suncoast pays up to $500.00 towards closing costs.
  • Up to 100% loan-to-value available for qualified borrowers.
  • No Annual or Transaction Fees.
  • Interest paid on this product may be tax deductible, consult a tax advisor regarding the deductibility of interest.
  • Adjustable Rate Details: Adjustable rates are subject to an increase in rate and payment after the loan is closed. The annual percentage rate can change quarterly on the first day of January, April, July and October. The rate cannot increase or decrease more than .50% percentage point at each adjustment. The maximum annual percentage rate shall not exceed the lesser of 6% over the initial rate or 18%. The annual percentage rate will not go below the greater of 4.0%; which is considered the floor, or 6% below the initial rate. The index is the Wall Street Journal Prime Rate.
  • Additional advances limited to the first 36 months of the loan term and may not exceed the original mortgage amount.
  • Maximum LTV is 100%.
  • LTV's from 80.01% - 100% may qualify for our MI Home Equity product. Rate will be higher than standard Home Equity Product.
  • Rate will be higher on the MI Home Equity product than the standard Home Equity Rate.
  • Loans available on primary residences in Florida only.
  • Typical closing costs range from $230 to $994. Costs for appraisals and title insurance range from $350 to $1,900 depending on loan to value and loan amount.
Show Product Detail
Home Improvement 5 Year Signature Loan - 60 mos.

APR*
as low as

8.00 %

Rate Type

Fixed

Max Term**

60 mos.

  • No equity in property required.
  • Documentary Tax in the amount of .35 cents per $100.00 of the limit amount as collected and paid to the State of Florida.
  • Maximum loan amount $10,000.
Show Product Detail
Home Improvement 10 Year Signature Loan - 120 mos.

APR*
as low as

8.25 %

Rate Type

Fixed

Max Term**

120 mos.

  • No equity in property required.
  • Documentary Tax in the amount of .35 cents per $100.00 of the limit amount as collected and paid to the State of Florida.
  • Maximum loan amount $10,000.
Show Product Detail
Home Improvement Secured 5 Year - 60 mos.

APR*
as low as

7.50 %

Rate Type

Fixed

Max Term**

60 mos.

  • Credit Union pays up to $500.00 toward closing costs.
  • Interest paid on this product may be tax deductible. Consult a tax advisor regarding the deductibility of interest.
  • No Annual or Transaction Fees.
  • Documentary Tax in the amount of .35 cents per $100.00 of the limit amount as collected and paid to the State of Florida.
  • Typical closing costs range from $230 to $994.
  • Costs for appraisals and title insurance range from $350 to $1,900 depending on loan to value and loan amount.
  • Lower standard Home Equity and MI Home Equity rates available for LTV's of 100% or less.
Show Product Detail
Home Improvement Secured 10 Year - 120 mos.

APR*
as low as

8.50 %

Rate Type

Fixed

Max Term**

120 mos.

  • Credit Union pays up to $500.00 toward closing costs.
  • Interest paid on this product may be tax deductible. Consult a tax advisor regarding the deductibility of interest.
  • No Annual or Transaction Fees.
  • Documentary Tax in the amount of .35 cents per $100.00 of the limit amount as collected and paid to the State of Florida.
  • Typical closing costs range from $230 to $994.
  • Costs for appraisals and title insurance range from $350 to $1,900 depending on loan to value and loan amount.
  • Maximum LTV is 133%.
  • Lower standard Home Equity and MI Home Equity rates available for LTV's of 100% or less.
Show Product Detail
Home Improvement Secured 20 Year - 240 mos.

APR*
as low as

7.00 %

Rate Type

Variable

Max Term**

240 mos.

  • Credit Union pays up to $500.00 toward closing costs.
  • Interest paid on this product may be tax deductible. Consult a tax advisor regarding the deductibility of interest.
  • Annual Percentage Rate may vary over time.
  • Maximum interest rate is 6% above initial rate. Subject to 5.50% floor. The annual percentage rate can change quarterly on the first day of January, April, July and October. The rate cannot increase or decrease more than .5% percentage point at each adjustment.
  • Documentary Tax in the amount of .35 cents per $100.00 of the limit amount as collected and paid to the State of Florida.
  • Typical closing costs range from $230 to $994. Costs for appraisals and title insurance range from $350 to $1,900 depending on loan to value and loan amount.
Show Product Detail
New Mobile Home Fixed - 120 mos.

APR*
as low as

5.13 %

Rate Type

Fixed

Max Term**

120 mos.

  • Loans must be for primary residence only.
  • The maximum loan amount is $50,000; 75% of purchase purchase price, excluding sales tax and other charges or 75% of NADA retail value (whichever is less).
Show Product Detail
Used Mobile Home Fixed - 120 mos.

APR*
as low as

5.63 %

Rate Type

Fixed

Max Term**

120 mos.

  • Loans must be for primary residence only.
  • The maximum loan amount is $30,000; 75% of purchase purchase price, excluding sales tax & other charges or 75% of NADA retail value, whichever is less, when purchase price exceeds $5,000.