Choose Your Perfect Match and Earn up to 5.25% APY*

Ready to show your savings some love? Our special certificates are designed to help you achieve your unique financial goals! Watch your savings grow with guaranteed returns on a regular certificate. Or, go big with our jumbo option and earn even more!

Get Higher Earnings On Your Own Terms

Lock in a guaranteed 5.25% APY on a 12-month jumbo certificate or opt for a 5.00% APY on a 12-month share certificate. Whether you're saving up for a big purchase, building your emergency fund, or simply looking to increase your everyday savings, we've got the perfect option for you! With multiple certificate options to choose from, you're sure to find one that puts a smile on your face.

5.25% APY*
5.00% APY*

Open your new account today and watch your savings skyrocket!

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$ 00 Congratulations — you already have a great rate! We invite you to learn more about our Personal and Business services and see how Suncoast can help you save.

1.0% APR*
2.0% APR*

Total Savings: $00

Follow the Steps Below to Get Started

Ready to maximize your savings? Before you get started, all you have to do is become a Suncoast member. A minimum $5 deposit into a share savings account is all it takes to start your membership.

  1. Become a Suncoast member.
  2. Open your new share certificate at a Suncoast location near you or by calling our Member Care Center.
  3. Watch your savings grow with a great rate!

Looking to optimize your earnings? Lock in this great rate and watch your savings soar to new heights!


What is a Share Certificate

A share certificate is a method of saving money. It’s similar to a certificate of deposit (CD) that many banks offer, but it’s issued by a credit union.

Share certificates are different from regular savings accounts because the money stays in the account for a specific amount of time. This amount of time is called the term. Share certificates also often yield higher returns than a regular savings account, which means your money can grow more over time.

Benefits of Share Certificates

Make the most of benefits, like:

  • High yield
  • Fixed rates
  • Guaranteed returns
  • Automatic renewal
  • Helps short- or long-term goals
  • Only $500 opening deposit required

Benefits of Membership

Enjoy exclusive benefits, like:

  • Higher earnings on deposits
  • Lower rates on loans
  • Free digital banking from anywhere, 24/7
  • Perks, discounts, and free services
  • Free financial e-learning and wellness resources
  • 78 conveniently located branches with extended hours
  • Insured up to $250,000 per member by the National Credit Union Administration(NCUA)

Frequently Asked Questions (FAQs)

Open your new share certificate at a Suncoast location near you or by calling our Member Care Center.

If you’re not a Suncoast member, you can join by opening a savings account with $5, then you’ll be able to open your share certificate using one of the ways listed above.

For share certificates, APY stands for annual percentage yield. It indicates how much you will earn on deposits over a year. So, it’s similar to an APR (annual percentage rate) on a loan, but you earn money instead of owe money!

Share certificates are offered for a set time period, called a term. When you choose a share certificate, you keep your money in the account for the entire time period or you may be penalized.

Share certificates may require a specific initial deposit and a minimum balance, and longer terms tend to have higher dividend rates.

The penalty amount is based on the term of the certificate. For terms of 18 months or greater, the penalty is typically 180 days of dividends.

Penalties are only assessed on the amount withdrawn. If the withdrawn amount is below the required minimum balance, the share certificate must be closed.

View CD rates & disclosures for complete details.

Yes! You will receive a secure message in SunNet and/or get a maturation notification in the mail.

No, you cannot add additional funds to an established certificate. However, you can always open a new certificate online or in person with terms and rates that work for you.

*Annual Percentage Yield (APY) accurate as of 9/1/2023. Rates subject to change without notice. 5.00% APY is only available on the 12-month share certificate term. 5.25% APY is only available on the 12-month jumbo certificate term. View CD rates & disclosures for complete details. For all Certificate products, APY assumes dividends remain on deposit until maturity date. 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. Fees may reduce earnings.