Source: https://www.suncoast.com/For-You/Checking-and-Savings/Share-Certificates/Share-Certificates
Read: 2026-10-22T04:54:30.000Z

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Checking & Savings
Share Certificates
Share Certificates
Share Certificates: Regular & Jumbo
A share certificate is similar to a certificate of deposit (CD), except share certificates are issued by credit unions and CDs are issued by banks. Suncoast offers great share certificate rates and flexible term options to help you reach your savings goals.1
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Members: Open Share Certificate
Suncoast Share Certificate Options
Suncoast Credit Union offers a variety of share accounts and share certificates. Based on the maturity date of the share certificate that you open, you may be earning interest sooner, while earning dividends at the same time. At Suncoast, we can help you choose the right share certificate based on your savings goals, the dividend rate, and which one offers higher interest rates.
Jumbo Certificate
Rates & Details
Share Certificate
Rates & Details
Jumbo Certificate
Highest dividend rates, highest earnings and best return for large deposits.
Initial deposit and minimum balance of $100,000 is required.
Terms to fit your savings goals.
Available as: Jumbo Share Certificate, Jumbo Youth Certificate, Jumbo IRA/Roth/SEP Certificate, and Jumbo Business Certificate.
A penalty will or may be imposed for early withdrawals: 90 days of dividends on terms of 12 months or less; 180 days of dividends on terms longer than 12 months.
If the account has not yet earned enough dividends or if the dividends have already been paid, the penalty will be deducted from the principal.
Dividends are compounded daily and credited monthly.
Suncoast members may open a new Jumbo Certificate by calling the Member Care Center, in any branch, through our SunMobile app, or by sending a secure email through SunNet Online Banking.
APY¹ Up To
4.50%
Terms
6 to 60 Mths
Min To Open
$100,000
Share Certificate Calculator
Deposit Amount
Select Type
6 Mo CD - $10k
1 Yr CD - $10k
18 Mo CD - $10k
2 Yr CD - $10k
3 Yr CD - $10k
4 Yr CD - $10k
5 Yr CD - $10k
6 Mo CD - $100k
1 Yr CD - $100k
18 Mo CD - $100k
2 Yr CD - $100k
3 Yr CD - $100k
4 Yr CD - $100k
5 Yr CD - $100k
My Rate (optional)
You Earn an additional i
$ 8,923
65% Higher Rate!
Suncoast CU - 5 Yr CD - $100k
4.00% APY†
Florida Average - 5 Yr CD - $100k
2.43% APY†
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Existing Member? Login Here
Source: Datatrac. Based upon independent research conducted by Datatrac for 11615 financial institution locations in Florida as of October 22, 2026.
Share Certificates Rates
Filter and Compare
Product | Term | Minimum Balance | Rate Type | APY†
Jumbo Certificate | 6 month | $100,000 | Fixed | 3.95%
Jumbo Certificate | 12 month | $100,000 | Fixed | 3.95%
Jumbo Certificate | 18 month | $100,000 | Fixed | 4.50%
Jumbo Certificate | 24 month | $100,000 | Fixed | 4.00%
Jumbo Certificate | 36 month | $100,000 | Fixed | 4.25%
Jumbo Certificate | 48 month | $100,000 | Fixed | 4.00%
Jumbo Certificate | 60 month | $100,000 | Fixed | 4.00%
Share Certificate | 6 month | $500 | Fixed | 3.70%
Share Certificate | 12 month | $500 | Fixed | 3.70%
Share Certificate | 18 month | $500 | Fixed | 4.50%
Share Certificate | 24 month | $500 | Fixed | 3.75%
Share Certificate | 36 month | $500 | Fixed | 4.25%
Share Certificate | 48 month | $500 | Fixed | 3.75%
Share Certificate | 60 month | $500 | Fixed | 3.75%
Smart Start Certificate | 12 month | $50 | Fixed | 3.70%
Youth Certificate | 6 month | $500 | Fixed | 3.70%
Youth Certificate | 12 month | $500 | Fixed | 3.70%
Youth Certificate | 18 month | $500 | Fixed | 4.50%
Youth Certificate | 24 month | $500 | Fixed | 3.75%
Youth Certificate | 36 month | $500 | Fixed | 4.25%
Youth Certificate | 48 month | $500 | Fixed | 3.75%
Youth Certificate | 60 month | $500 | Fixed | 3.75%
Additional Information
Share Certificates FAQs
What is a Share Certificate?
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PRODUCT
High Yield Checking
Earn more on your everyday spending with Suncoast’s high yield checking account! Open a high interest checking account today.
PRODUCT
Smart Start Certificate
Suncoast keeps saving simple. Get a credit union share certificate with just a $50 opening deposit and a great rate to see your savings account soar!
PRODUCT
High Yield Savings Account
Find the best high yield savings account to reach your financial goals. With no minimum balance requirement, it’s simple to start your journey!
Ready to Save?
Join Now
Disclosures
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1 Annual Percentage Yield (APY) accurate as of 9/1/2026. Rates subject to change without notice. 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. ↩
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Suncoast Credit Union
P.O. Box 11904 Tampa, FL 33680
Routing Number
263182817
NMLS ID #417636
 Suncoast Credit Union is Insured by NCUA
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* Annual Percentage Rate (APR) = Annual Percentage Rate. Subject to term and credit qualifications. Annual percentage rates may vary. Annual percentage rates may change during loan terms on variable rate products. Membership and/or participation fees may apply. Inquire about specific fees for a product through your credit union.
† Annual Percentage Yield (APY) = Annual Percentage Yield. Rates may change at any time without prior notice after the account is opened. Fees may reduce earnings. APY determined at time of funding.
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