# Suncoast Credit Union CD and share certificate rates

As of October 22, 2026, Suncoast Credit Union's highest CD (share certificate) rate is 4.50% APY on an 18-month CD ($100,000 minimum). That is 2.9 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 3.70% to 4.50% APY.

Canonical page: https://apyledger.com/cd-rates/suncoast-credit-union
Institution: Suncoast Credit Union (NCUA 68645)
Aliases: Suncoast
Status: live
Last verified: 2026-10-22T04:54:30.000Z (October 22, 2026)
Official source: https://www.suncoast.com/For-You/Checking-and-Savings/Share-Certificates/Share-Certificates
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Jumbo Certificate | standard | 6 months | $100,000 | 3.95% | Not ZIP-priced | −0.45% | 2026-10-22T04:54:30.000Z | [Snapshot 109](https://apyledger.com/snapshots/109) |
| Youth Certificate | special | 6 months | $500 | 3.70% | Not ZIP-priced | −0.70% | 2026-10-22T04:54:30.000Z | [Snapshot 109](https://apyledger.com/snapshots/109) |
| Youth Certificate | special | 6 months | $500 | 3.70% | Not ZIP-priced | −0.70% | 2026-10-22T04:54:30.000Z | [Snapshot 109](https://apyledger.com/snapshots/109) |
| Jumbo Certificate | standard | 12 months | $100,000 | 3.95% | Not ZIP-priced | −0.62% | 2026-10-22T04:54:30.000Z | [Snapshot 109](https://apyledger.com/snapshots/109) |
| Smart Start Certificate | standard | 12 months | $50 | 3.70% | Not ZIP-priced | −0.87% | 2026-10-22T04:54:30.000Z | [Snapshot 109](https://apyledger.com/snapshots/109) |
| Youth Certificate | special | 12 months | $500 | 3.70% | Not ZIP-priced | −0.87% | 2026-10-22T04:54:30.000Z | [Snapshot 109](https://apyledger.com/snapshots/109) |
| Youth Certificate | special | 12 months | $500 | 3.70% | Not ZIP-priced | −0.87% | 2026-10-22T04:54:30.000Z | [Snapshot 109](https://apyledger.com/snapshots/109) |
| Youth Certificate | special | 18 months | $500 | 4.50% | Not ZIP-priced | −0.22% | 2026-10-22T04:54:30.000Z | [Snapshot 109](https://apyledger.com/snapshots/109) |
| Youth Certificate | special | 18 months | $500 | 4.50% | Not ZIP-priced | −0.22% | 2026-10-22T04:54:30.000Z | [Snapshot 109](https://apyledger.com/snapshots/109) |
| Jumbo Certificate | standard | 18 months | $100,000 | 4.50% | Not ZIP-priced | −0.22% | 2026-10-22T04:54:30.000Z | [Snapshot 109](https://apyledger.com/snapshots/109) |
| Jumbo Certificate | standard | 24 months | $100,000 | 4.00% | Not ZIP-priced | −0.87% | 2026-10-22T04:54:30.000Z | [Snapshot 109](https://apyledger.com/snapshots/109) |
| Youth Certificate | special | 24 months | $500 | 3.75% | Not ZIP-priced | −1.12% | 2026-10-22T04:54:30.000Z | [Snapshot 109](https://apyledger.com/snapshots/109) |
| Youth Certificate | special | 24 months | $500 | 3.75% | Not ZIP-priced | −1.12% | 2026-10-22T04:54:30.000Z | [Snapshot 109](https://apyledger.com/snapshots/109) |
| Youth Certificate | special | 36 months | $500 | 4.25% | Not ZIP-priced | −0.70% | 2026-10-22T04:54:30.000Z | [Snapshot 109](https://apyledger.com/snapshots/109) |
| Youth Certificate | special | 36 months | $500 | 4.25% | Not ZIP-priced | −0.70% | 2026-10-22T04:54:30.000Z | [Snapshot 109](https://apyledger.com/snapshots/109) |
| Jumbo Certificate | standard | 36 months | $100,000 | 4.25% | Not ZIP-priced | −0.70% | 2026-10-22T04:54:30.000Z | [Snapshot 109](https://apyledger.com/snapshots/109) |
| Jumbo Certificate | standard | 48 months | $100,000 | 4.00% | Not ZIP-priced | −0.98% | 2026-10-22T04:54:30.000Z | [Snapshot 109](https://apyledger.com/snapshots/109) |
| Youth Certificate | special | 48 months | $500 | 3.75% | Not ZIP-priced | −1.23% | 2026-10-22T04:54:30.000Z | [Snapshot 109](https://apyledger.com/snapshots/109) |
| Youth Certificate | special | 48 months | $500 | 3.75% | Not ZIP-priced | −1.23% | 2026-10-22T04:54:30.000Z | [Snapshot 109](https://apyledger.com/snapshots/109) |
| Jumbo Certificate | standard | 60 months | $100,000 | 4.00% | Not ZIP-priced | −1.01% | 2026-10-22T04:54:30.000Z | [Snapshot 109](https://apyledger.com/snapshots/109) |
| Youth Certificate | special | 60 months | $500 | 3.75% | Not ZIP-priced | −1.26% | 2026-10-22T04:54:30.000Z | [Snapshot 109](https://apyledger.com/snapshots/109) |
| Youth Certificate | special | 60 months | $500 | 3.75% | Not ZIP-priced | −1.26% | 2026-10-22T04:54:30.000Z | [Snapshot 109](https://apyledger.com/snapshots/109) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.