Credit union · NCUA insured
Suncoast Credit Union CD Rates
Top CarrotSuncoast Credit Union’s best CD rate is 4.50% APY on an 18-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Suncoast Credit Union’s CD rates compare
Compared with banks and credit unions near Tampa, FL, where Suncoast Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Suncoast Credit Union
4.50%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $683
Share Certificate
Top rate
Raymond James Bank
5.25%APY
- Term
- 60 months
- Minimum
- $2,000
- Earns on $10,000
- $2,915
2nd-highest rate
Together Credit Union
4.50%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $412
Suncoast Credit Union CD score
92
CD score
Higher than 93% of U.S. banks and credit unions
- 3–8 months3–8 mo3.70%
- 9–15 months9–15 mo3.70%
- 16–30 months16–30 mo4.50%
- 31–60 months31–60 mo4.25%
- QualifiedQualified4.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Suncoast Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Jumbo Certificate
Up to 4.50%APY · 7 terms
Requires Credit Union membership ($5 deposit in Share Savings). Penalty for early withdrawal: 90 days of dividends on terms <= 12 months, 180 days on terms > 12 months. Dividends compounded daily, credited monthly. 60-month Jumbo Certificate holders may request a rate change one time during the term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.95% | — |
| 12 months | 3.95% | — |
| 18 months | 4.50% | — |
| 24 months | 4.00% | — |
| 36 months | 4.25% | — |
| 48 months | 4.00% | — |
| 60 monthsAccount holders may request a rate change one time during the term of the certificate; initial maturity date will remain the same | 4.00% | — |
Sources (1)
- suncoast.com/For-You/Checking-…vings/Share-Certificates · captured Oct 5, 2026
Share Certificate
Up to 4.50%APY · 7 terms
Requires Credit Union membership ($5 deposit in Share Savings). Penalty for early withdrawal: 90 days of dividends on terms <= 12 months, 180 days on terms > 12 months. Dividends compounded daily, credited monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.70% | $183 |
| 12 months | 3.70% | $370 |
| 18 months | 4.50% | $683 |
| 24 months | 3.75% | $764 |
| 36 months | 4.25% | $1,330 |
| 48 months | 3.75% | $1,587 |
| 60 months | 3.75% | $2,021 |
Sources (1)
- suncoast.com/For-You/Checking-…vings/Share-Certificates · captured Oct 5, 2026
Smart Start Certificate
3.70%APY · 1 term
Requires $50 opening deposit and a commitment to contribute at least $40 per month for 12 months by payroll deduction or automatic transfer. Within 12 months, funds reach $500 and can roll over to a traditional certificate account. Early withdrawal penalty applies. Promotion available for new members where initial $50 opening deposit is covered with promo code within 30 days of establishing membership.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsRequires commitment to deposit at least $40 per month via payroll deduction or automatic transfer | 3.70% | $370 |
Sources (2)
- suncoast.com/Product/Community-Smart-Start-Certificate
- suncoast.com/For-You/Checking-…vings/Share-Certificates
All captured Oct 5, 2026
Special-purpose accounts
IRA/Roth/SEP Certificate
Up to 4.50%APY · 7 terms
Available for Traditional, Roth, and SEP IRAs. Dividends compounded daily, credited monthly. Early withdrawal penalty: 90 days of dividends on terms <= 12 months, 180 days on terms > 12 months. For members age 59-1/2 years or older, a one-time per 12-months opportunity to step up the interest rate if current rates are higher (stepping up rate moves term to a 60-month term).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.95% | $196 |
| 12 months | 3.95% | $395 |
| 18 months | 4.50% | $683 |
| 24 months | 4.00% | $816 |
| 36 months | 4.25% | $1,330 |
| 48 months | 4.00% | $1,699 |
| 60 months | 4.00% | $2,167 |
Sources (1)
- suncoast.com/For-You/Checking-…h-SEP-Jumbo-Certificates · captured Oct 5, 2026
Jumbo IRA/Roth/SEP Certificate
Up to 4.50%APY · 7 terms
Available for Traditional, Roth, and SEP IRAs. Dividends compounded daily, credited monthly. Early withdrawal penalty: 90 days of dividends on terms <= 12 months, 180 days on terms > 12 months. For members age 59-1/2 years or older, a one-time per 12-months opportunity to step up the interest rate if current rates are higher (stepping up rate moves term to a 60-month term).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.20% | — |
| 12 months | 4.20% | — |
| 18 months | 4.50% | — |
| 24 months | 4.25% | — |
| 36 months | 4.25% | — |
| 48 months | 4.25% | — |
| 60 months | 4.25% | — |
Sources (1)
- suncoast.com/For-You/Checking-…h-SEP-Jumbo-Certificates · captured Oct 5, 2026
Youth Certificate
Up to 4.50%APY · 7 terms
For minors/teens. Requires Credit Union membership ($5 deposit in Share Savings). Penalty will or may be imposed for early withdrawal. Dividends compounded daily and credited monthly. 60-month certificate holders may request a rate change one time during the term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.70% | $183 |
| 12 months | 3.70% | $370 |
| 18 months | 4.50% | $683 |
| 24 months | 3.75% | $764 |
| 36 months | 4.25% | $1,330 |
| 48 months | 3.75% | $1,587 |
| 60 monthsFixed rate; minimum balance required | 3.75% | $2,021 |
Sources (2)
- suncoast.com/For-You/Checking-…vings/Share-Certificates
- suncoast.com/For-You/Checking-…Minor-Share-Certificates
All captured Oct 5, 2026
Who can join Suncoast Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.