Suncoast credit union was established in 1934 with the sole aim to serve teachers in Hillsborough County. It was later expanded to school employees within the state’s SunCoast region. Suncoast credit union headquarters is located in Tampa, Florida.
December 2013, the credit union was open to anyone who lives, works, attend school in the 39 counties which the credit union serves.
Furthermore, on July 10, 2020, Suncoast has $12 billion in assets and more than 895,000 members. Presently, Suncoast Credit Union is the largest credit union in Florida and the ninth-largest in the United States based on membership
Suncoast Credit Union Customer Service
Suncoast Credit Union primarily originates mortgages in the state of Florida. However, the lender is also able to offer its 3/3, 5/5 and 7/1 adjustable-rate mortgages in Georgia, Alabama, Mississippi, North Carolina, South Carolina, Virginia, and Tennessee.
The first-time homebuyer 10/1 adjustable-rate mortgage is the only ARM product exclusive to Florida. Potential borrowers can receive a free online quote from Suncoast without having to provide their Social Security Number.
However, to complete an online application, both a Social Security Number and a $20 credit report fee are required.
Suncoast’s website is relatively easy to navigate and includes helpful descriptions of each loan type offered. A display of current home loan rates, an ARM versus fixed-rate mortgage calculator, and information on the mortgage process for first-time homebuyers.
Suncoast Credit Union was not one of the lenders ranked in the most recent J.D. Power U.S. Primary Mortgage Origination Satisfaction Study.
Pros and Cons of the Credit Union
This aspect of the article will be covering the good and the bad you are expected to get or come across on Suncoast credit union.
Suncoast Credit Card Pros
====> It is a community-oriented (not-for-profit) full-service credit union that offers more member benefits than most retail banks
====> Interest-earning checking accounts
====> Membership includes access to discounts, scholarships and charitable giving
Suncoast Union Credit Cons
====> Savings account interest rates are not the most competitive compared to online banking competitors
====> Only available to residents in 21 counties in Florida
New Member Application Requirement
As a state-chartered community credit union, membership is defined geographically. Therefore, Suncoast Union welcome individuals who live, work, worship or attend school in the Florida counties we serve to join. But before you complete the application, you need to have the following at your disposal.
====> If the applicant is applying for a business account, you must have your current Sunbiz filing, as well as an estimate of your monthly transactions
====> An applicant must have a U.S government-issued photo I.D (e.g. driver’s license, state identification)
====> If an applicant is applying for a joint account, you must have the secondary applicant’s information
====> Applicant must have Social Security Number and credit/debit card to fund your new account if you are opening a personal account
Suncoast Union Credit New Member Application
The application will only take a few minutes, you need to visit the official website or copy and paste https://www.suncoastcreditunion.com/membership on your browser.
On the page, you will get the links to select your choices, such as personal membership, Business membership and SunCoast employee only.
Now, click on the link and follow the onscreen instruction to complete your membership application. The process is very simple and easy, as we mentioned, it will only take a few minutes to complete the application.
Suncoast Union Credit Card Application Process
Once you completed your membership application, you can apply for First Mortgage Loan and Consumer Loans which include Credit Card, Vehicle Loan, Personal Loan (Includes Personal Loans and Line of Credit), and Home Equity (Includes Equity Line of Credit, Fixed or Variable Rate Home Equity, Home Improvement, and New or Used Mobile Homes).
This application can be carried out through the Online process, Mobile App, in-person and through the phone.
Online Application Process
When you apply online via SunNet Online Banking, the process is secure, convenient and fast. Simply log in to SunNet and click on the Loan Center section to start your application. Follow the onscreen instruction to complete the process.
Mobile App Application Process
Applying through the SunMobile App is a secure, convenient and fast process. You only need to log into the SunMobile App from your Android or Apple device and click on Loan Center to start your application. Just like the online process, you need to follow the onscreen instruction to complete the application process through the mobile application.
On the Phone Application Process
You may also apply by calling the Member Care Center number 1 800 999 5887. The application takes place from Monday through Friday, 7:00 a.m. to 8:00 p.m. and on Saturday, 8:00 a.m. to 1:00 p.m.
You can apply in person at any Suncoast service centre. No appointment is necessary. Suncoast member advocates will walk you through the application process.
If you are applying for a credit card or personal loan, you may download and fill it out in advance for faster service.
How to Login to Suncoast Union Online Portal?
The amazing thing about Suncoast Credit Union Login is the convenient access to its online banking system, which contributes to boosting their success further.
SunNet Online Banking
The online banking system by Suncoast is called SunNet Online Banking. Using SunNet, you can have access to Suncoast Credit Union login and manage your accounts from anywhere across the globe. SunNet Online Banking System allows you to complete a number of tasks remotely.
====> Secure exchange of messages
====> Applying for mortgage or loans online
====> Checking your personal account balance and history for up to 90 days
====> Maintaining different e-Documents like statements, notices, tax papers, etc.
====> Management of your credit and debit cards. Also, applying for a credit card online
====> Creating budgets and setting financial goals along with monitoring your spending habits through SunMoney
====> Transfer balance to and from the account to any bank all around the world using the feature called Pay a person
Many people might be sceptical if the system is safe enough or not. And the best part about SunNet is you get to do these tasks in your fingertips that too in a secure way.
Suncoast Credit Union Login Guide
The addition of online banking at Suncoast Credit Union is remarkable. This online banking system, SunNet, is easier than ever to access. The process of online Suncoast Credit Union Login is also simple for everyone to comprehend. The process of logging in to Suncoast Union or SunNet Online Banking is explained below.
Step 1 ====> You need the official Suncoast Credit Union portal.
Step 2 ====> If you are a member of Suncoast already, you enter your Member Number and Password on the space at the top part of the web page.
Step 3 ====> Finally, click on the login button to access your online account.
Forgot Your Password?
You reset your password in case you forgot it or you want to change it for security purposes. This is a very important step, especially when you want to access your account but can’t remember your password. Follow these simple steps to change your password:
Step 1 ====> Again, enter your login ID and password and click login
Step 2 ====> on the page, locate and click on forgot your password link
Step 3 ====> Now enter the last four digits of primary tax ID and click login
Step 4 ====> Follow the onscreen process to complete the process
Frequently Asked Questions
Can I Transfer Money from Suncoast to another Bank?
Yes, you can. You can transfer funds between your Suncoast accounts or your accounts at other financial institutions with ease. Whether you need to transfer funds right away or schedule them to fit your needs, you covered.
Use SunNet’s cross-account transfer to easily send funds to other Suncoast members’ accounts. And with ACH funds transfers, you can also transfer money from your account to any bank or credit union in the United States.
Where do I Find My 14-Digit Account Number?
You will find your account number on SunNet Online Banking. You will only get the account number if you have created online banking. Follow these steps to find your account number using SunNet Online Banking:
Step 1 ====> Log into SunNet Online Banking
Step 2 ====> Click on Accounts
Step 3 ====> In the List-View, your 14-digit account number can be found in the Account # column.
In the Tile View, click on Account, from any of your deposit accounts, your 14-digit account number will appear.
Will I get a confirmation after making a One-Time Online Payment?
Yes, absolutely yes. When your payment is complete, you will receive payment confirmation along with a confirmation number.
You are able to print or email the receipt to yourself. By entering an appropriate email address when making the payment will generate a receipt that will come from the email address email@example.com.
What Information will I need to make a One-Time Payment Online?
To make a one-time online payment, the process is very simple. All you need is your loan account number, full credit card number for your credit card account, or mortgage loan account number. Make sure to remove any hyphens, dashes or spaces when entering the information.
Where can I Find My Loan Account Number?
Your loan account number can be found on your loan statement or in SunNet or SunMobile if you are enrolled in digital banking.
When navigating to SunNet, click on Details from the Accounts Page to see your full loan account number.
In addition, on your SunMobile, once you click on the loan, there is a dropdown arrow that displays your ACH loan number.
How Long Will it Take My Online Loan Payment to be Processed?
It is believed payments made with a debit card will be debited on the day it receives the payment authorization from the card company.
If the authorization comes on a weekend or after the scheduled cutoff time (4 p.m.), the payment will be processed on the next business day.
When using the account and routing number from your other financial institution, it may take up to 3 working days to see the activity reflect in your account history.
Can I Pay with an Account from another Financial Institution or Bank?
Yes, yes, total yes. When you follow the on-screen instruction to make an online payment on the portal, you can enter the information from your financial institution to make the payment.
Just make sure you are ready with the financial institution’s routing number and your full account information from the other institution
Can I Cancel My Payment?
No, you cannot cancel the authorized payment. Once your payment is authorized, you cannot do anything about it again. All payments made through our Speedpay platform are final.
If you would like consideration for a payment reversal, please contact a representative in our Member Care Center, Mondays – Fridays 7:00 a.m. to 8:00 p.m. or Saturdays 8:00 a.m. to 1:00 p.m.
Why can’t I make a Loan Payment with a Visa Credit Card any longer?
Visa Card Company has updated her policy regarding loan payments dated back to July 31, 2017. After the update, Visa no longer allows anyone to use Visa credit cards to make loan or debt payments.
What should I do if Loan Payments are automatically set up with a Visa Credit Card?
If you have automatic loan payments set up with a Visa credit card before the update on July 31 2017, the best you could do is to change the payment type before the card is charged.
Any transaction after July 31 2017 will be declined and it may result in a late payment.
What Alternate Payment Methods can I use to make My Loan Payments?
If you usually pay for your loan or debt payment with a Visa credit card on Suncoast Credit Union, you need to choose a new payment method or option to avoid late charges or declined transactions as Visa cards are not allowed any longer.
Here are some alternative Payment Methods
====> Transfers from Suncoast checking or saving account(s) via SunTel, SunNet Online Banking or the SunMobile app
====> Pay over the phone by calling the Member Care Center at 800 999 5887
====> Automatic payments from Suncoast checking or savings account(s)
====> Bill pay through another financial institution
====> ACH autopay set up through Suncoast
====> Pay in-person at a branch
====> Pay by mail
Does my ATM Card or VISA Debit Card Expire?
Yes, it expires. Your ATM card or VISA debit card will expire at 6 months due to non-usage. The card cannot be reactivated once it expires as a result of non-usage.
Please call the Members Contact Center at 800 999 5887 or visit a service centre to order a new card.
What to do if you Received a Check Card Charge in Error?
If you have received a check card charge in error, it is recommended to directly contact the company to request a refund.
If the company is unable to issue a refund, or if you are unable to contact the company, a dispute may be initiated in SunNet by clicking the envelope icon next to the transaction in History and choosing the Dispute option.
If you do not have access to SunNet, you can obtain a Cardholder Dispute Form located here. The form can be mailed to
P.O. Box 11904,
Tampa, FL 33680.
The form can also be faxed to 813-628-6513. If completing the Fraudulent Transactions section, it is recommended that the form be notarized and submitted by mail or in person. The card will be subject to cancellation upon receipt of this form in our office.
How do I Report Stolen or Lost Cards?
Sometimes, you lost your Suncoast Credit Union card or stolen it away from you. The best you can do is to report on time. This will help to deactivate your card thereby save keeping your money. You can on any of the following line based on your Suncoast Credit Union card.
ATM Card: call 844 688 4725
Credit Cards: call 800 645 7728 or 800 325 3678
Business Debit Card: call 844 688 4724
Consumer Debit Card: call 844 688 4725
How do I Stay Safe while Using an ATM?
Your safety is your priority, therefore you need to be careful why using an ATM machine. This tip will guide you to stay safe while using any ATM
====> Do not use an ATM machine if you observe any suspicious movement or circumstances around
====> Use your other hand or body to shield the keyboard so no one can see you enter your PIN. Your pin must not be exposed to the third party at all, never give out your Pin for anyone.
====> Put your money into your pocket or purse immediately. Do not count or display any money you received from the ATM machine until you are somewhere private, preferably your destination.
====> Have your ATM card ready in your hand as you approach the ATM
====> Stay aware of your surroundings, especially at night
====> If you leave your car and walk to the ATM, park somewhere close and lock your car behind you
====> Always take your receipts with you to keep your account information confidential
====> If you are using a drive-up ATM, roll up all passenger windows and lock all doors
That is all we need to offer you now, keep checking as we update as soon as we get info about Suncoast Credit Union.