Take Your Earnings to New Heights

Want to make the most of your money? It’s simple! Join Suncoast and take advantage of our special offer to earn an incredible 4.00% APY* on a 6-month share certificate or 5.00% APY* on a 12-month share certificate!

Get Higher Earnings On Your Own Terms

Whether you’re looking to boost your savings quickly or planning for long-term growth, we have great options for you! Earn 4.00% APY* with our 6-month certificate or choose a 12-month term and earn 5.00% APY*.

4.00% APY*
5.00% APY*

Open your new account today and watch your savings skyrocket!

PRODUCT NAME remove from calculation add to calculation

Please enter a valid amount
Please enter a valid interest rate

You Save an additional i
$ 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 with funds you have at other financial institutions? Bring your money to Suncoast and watch your earnings 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
  • 76 conveniently located branches with extended hours
  • Insured up to $250,000 per member by the National Credit Union Administration(NCUA)

Frequently Asked Questions (FAQs)

Suncoast members can easily open a share certificate by logging in to your account, going to “Open & Apply” and following the prompts. You can also visit a Suncoast branch to open an account in-person.

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 6 and 12 months, the penalty is typically 90 days of dividends. 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. 4.00% APY* is only available on the 6-month and 5.00% APY is only available for 12-month terms. 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. Dividends are compounded daily and credited monthly. Membership qualification and account opening required.