Suncoast Credit Union began in 1934 when a handful of local educators founded Hillsborough County Teachers Credit Union. Throughout the years, they have grown and expanded their membership to include anyone who lives, works, attends school or worships in the Florida counties they serve. They are proud to be the largest credit union in... show more
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Suncoast Credit Union Reviews
5
46%
4
13%
3
6%
2
9%
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26%
3.4
282 reviews
282 reviews
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Most Recent
Thomas Pepera
@bigdawg7299
2 Star Rating
Meh, I did a refi through a third party that connected me with Suncoast. I got a better rate and so forth. The paperwork was easy (all done via third party). However, I have yet to be able to make a payment using my profile. Suncoast doesn’t accept external bank payments directly. They require you to use a third-party processor called 'Speedpay'—a name that is a misnomer in this case. Every payment I’ve made has required me to use the guest pay option rather than my profile, because I can never log in to my profile with Speedpay. This troublesome process requires entering all routing and account numbers twice, personal information and takes far too long. I don’t understand how in this day and age a banking/credit union can be so outdated. I would not use them again just because of this inconvenience. I assume it's to encourage you to switch your banking needs to them as well, but I won’t. Currently, I have an offer from another bank to refi again at a slightly lower rate; I might just do it as they are much more convenient to use. Suncoast needs to improve their systems or work with a third party that is modern and up-to-date. Oh, and Speedpay has no explanation for why I can’t access my profile, nor how to resolve it. They're of no help.
Product: Suncoast Credit Union Car Loans
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Joanne Frazzini
@joannef_15
5 Star Rating
The only creditor that knows how to report to credit agencies properly! Not to mention, if you're doing business with a bank, you're getting ripped off from the day you open the account.
Product: Suncoast Credit Union Credit Cards
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Amanda Sockwell
@amanda_mohr
1 Star Rating
During covid I lost my job. I couldnt afford to keep my vehicle and insurance. I told them I was giving it to them. Yes I know it's not a good idea. THEY TOLD ME TO PUT THE KEY IN THE GLOVE BOX. I told them I couldn't drive it to a location because I would have no way to get home. I was 21 and on my own. They said no problem and they would be coming to get it. A week passes, the insurance expires and I don't renew it because finally the vehicle disappears. IT WAS STOLEN. And since I have no insurance after waiting for them to pick it up I was screwed.. And yes I did call them 2 times in between this. Well the thief drove it 2 states away. I had no money to go get it, it was smashed up and in impound for several days adding up to 1k. Now I lost my job and I don't have magic dust. So I had no way to get it. I called Suncoast And they said sorry good luck we can't help you. And out of 22 grand you still owe 8k. This was after 5 years of paying 300 bucks a month. My life went on for a few years. Things didn't get better for me I couldn't afford to pay them and continue to live. They sued me, destroyed my credit. Yes I take partial fault but come on. They don't care about people.
Product: Suncoast Credit Union Car Loans
Comment
felcia22
@felcia22
5 Star Rating
RE: Branch at Vanderbilt Beach Rd,
Thank you, Sandra B., for making my experience at Suncoast Credit Union a great one. Your outstanding service and positive attitude are truly appreciated!
Product: Suncoast Credit Union Checking
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William Holmes
@holmesman28
1 Star Rating
While I opened a bank account at Suncoast Credit Union this month, I deposited my first paycheck. They placed it on a nine-day hold for some reason, even though it was a payroll check. I begged them to release it because my power was going to be shut off. I need my money to pay bills and buy food, but they still won't do it. They say they can't. Having a nine-day hold on a payroll check in the first month is a horrible experience.
Product: Suncoast Credit Union Checking
Comment
don hin
@moneylikemagic
1 Star Rating
Have a credit account with Suncoast. The bank refused to allow me to use my account to make the car payments with the checks it provided to access the account. Demanded funds from an outside account! Using a credit account to pay "on credit" is part of the contract terms. The bank is getting paid twice per transaction. The bank is committing securities fraud, theft of credit, and demands a cash item. The retail sales installment contract clearly states, "You may purchase this vehicle with cash or on credit." Most people who work there seem uninformed.
Product: Suncoast Credit Union Car Loans
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Jeremiah Olmos
@jeremiaholmos
1 Star Rating
The worst. I called for payoff and made the payment. Five months later, they said I owed more and had never contacted me. They messed up my credit.
Product: Suncoast Credit Union Credit Cards
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Carolyn Stone
@funnigrl10
5 Star Rating
I would like to acknowledge Michael Fey and Sara Beth for outstanding customer service at the Fletcher Avenue Suncoast Credit Union. Michael is friendly, professional, and helpful each time that I have spoken with him. Sara Beth went above and beyond to answer my questions about a possible car purchase. I have been a member of SCU since 1982 and highly recommend their service.
Product: Suncoast Credit Union Business Services
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muzejazz
@muzejazz
1 Star Rating
Deplorable customer phone service. I received a text saying I owed them $10, right after paying off my credit card in full. The recorded prompts indicated there was a six-minute wait. I hung up 23 minutes later. Even worse than the worst group of dishonest people!
Product: Suncoast Credit Union Credit Cards
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Debra Pelner
@debrapelner
1 Star Rating
Would be zero if there was one. If I don't get things cleared up tomorrow, I am calling an attorney. I have never received such a big runaround by so many people; they messed up opening our account, and now I can't even look at it. I'm getting out of here as soon as possible.
Product: Suncoast Credit Union Credit Cards
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Kathy Dahn
@kathy1281967
5 Star Rating
Best Bank ever. Been with them for almost 10 years, I think. I got a car loan without any issues. Now trying to get a personal loan to pay off a car loan and credit card. Never had an issue with any employees when I went to the branch; everyone is very nice and helpful. LOVE MY BANK ❤️
Product: Suncoast Credit Union Checking
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Rob Herrin
@Rob_j_herrin
1 Star Rating
They limit the amount of money you can transfer per week to anyone. If you need to transfer more, the only option to surpass that limit is a wire transfer, which incurs a fee. Thus, they restrict access to your money and the only solution they offer includes a fee. This is not a good business practice—to limit a customer to only a fee-driven solution.
Product: Suncoast Credit Union Checking
Comment
Hugo ibel Perez Lopez
@hugoibel91
1 Star Rating
Two years at this bank and they can only offer me a credit card with a $1000 limit and no personal loan. I do not recommend it to anyone; this is the worst bank for not providing financial assistance. I would not suggest it as a first option.
Product: Suncoast Credit Union Credit Cards
Comment
estradaalfonsojuancarlos
@estradaalfonsojuancarlos
5 Star Rating
Hola, el viernes pasado visité el banco Suncoast Credit Union ubicado en Hancock y Del Prado para cambiar mi tarjeta de crédito y fui atendido por Rose Chavez. Ella solucionó mi problema y, a la vez, me explicó todo sobre cómo debo actuar para no tener problemas en el futuro con mis tarjetas. Gracias a su información una vez más me voy más que satisfecho por la profesionalidad del personal y, por tanto, para mi entender, se merece las ⭐️⭐️⭐️⭐️⭐️. Les recomiendo a todos Suncoast.
Product: Suncoast Credit Union Credit Cards
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1
Rob Fink
@floridalivin100
1 Star Rating
Worst credit union ever. Some employees are nice, but the majority might as well be AI the way they talk to people. They also have a terrible app that doesn't work correctly for deposits.
Product: Suncoast Credit Union Personal Loans
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Suncoast Credit Union Q&A(110 questions)
Get answers to your questions about Suncoast Credit Union below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
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Upvotes
Does Suncoast Credit Union have online banking?
Reply
1
Alexandra Barring, Banking Moderator
@alexandra
Yes, Suncoast Credit Union has online banking. It's called the SunNet. It allows you to access and manage your accounts, and it doesn't charge a fee. All you need to get started is either your member number or your social security number.
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Upvotes
Where can I check my Suncoast Credit Union credit card points balance?
Reply
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WalletHub
@WalletHub
You can check your Suncoast Credit Card points balance by logging into the Suncoast online banking system. You'll need to enter your member number, which was provided when you opened the account, along with your password.
You can use your Suncoast rewards points for cash back, travel, or merchandise, among other things. If you're not sure how to log in or you forgot your password, call customer service at 1-800-999-5887.
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Upvotes
What credit score is needed for the Suncoast Rewards Student Classic card?
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3
WalletHub
@WalletHub
TheSuncoast Rewards Student Classic card is available to applicants with fair credit or no credit history. The cardwas designed exclusively for students attending two or four-year accredited colleges or universities.
With this said, a credit score above 640 or no credit score at all should put you in the right place. If you're not sure where you stand, you can check your latest credit score for free on WalletHub.
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Upvotes
If I deposit an out of state check is there a hold on it?
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Upvotes
How much do you need to have in your savings account to earn interest?
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Upvotes
How much is the minimum payment for a Suncoast Credit Union credit card?
Reply
2
Lee Olsen
@lee.olsen
The minimum payment for a Suncoast Credit Union credit card is either $10 or 2% of your total new balance, whichever is greater.
By paying this amount each month before your due date, you can keep your account in good standing. But in order to avoid being charged with interest, you must always pay what you owe in full.
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Upvotes
How do I request a credit limit increase with Suncoast Credit Union?
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2
Mario Andrade
@spaceship01
You can request a Suncoast Credit Union credit limit increase online, through the Suncoast Credit Union mobile app, or by calling customer service at 1 (800) 999-5887. To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce your outstanding debt, and update the income Suncoast Credit Union has on file. Suncoast Credit Union will be more likely to increase your credit limit if...
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Upvotes
What credit score is needed for a Suncoast Credit Union credit card?
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2
WalletHub
@WalletHub
Suncoast Credit Union offers credit cards for persons with bad (300-639), fair (640-699) and good (700-749) credit scores, as well as students with limited credit history.
To apply for a Suncoast Credit Union credit card, you first need to become a member. Please find out more details on how to become a member here.
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Upvote
When are funds from a check deposit available at Suncoast Credit Union?
Reply
1
Sydney Garth, Credit Cards Moderator
@sydneygarth
Funds from a check deposit at Suncoast Credit Union are typically available on the same business day. However, if you deposit a larger check, only the first $225 from your deposit will be available on the same business day. There will be a hold of at least one day placed on the rest of the funds. The credit union will notify you at the time of the deposit on when the full amount will be...
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Upvote
Does Suncoast Credit Union Classic Starter credit card do a hard inquiry?
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Rhonda Stewart, WalletHub Loans Analyst
@rhonda
Yes, the Suncoast Credit Union Classic Starter card will do a hard pull on your credit report. It is designed for applicants with less than 3 years of credit history, meaning that credit is extended based on an initial credit inquiry.
There is no way to prequalify for the Suncoast Credit Union Classic Starter card. A hard pull usually causes an applicant's credit score to drop by 5-10 points. Most people's scores bounce back...
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