What is Suncoast Credit Union and how big is it?

Suncoast Credit Union is Florida’s largest credit union and a member-owned financial cooperative designed to help Floridians keep more of their money, borrow wisely, and build long-term financial well-being. It serves more than 1.3 million members across 39 counties, operates 79+ branch locations, and holds more than $19 billion in assets.

What Suncoast Credit Union is

Founded in 1934 as Hillsborough County Teachers Credit Union, Suncoast started with a simple mission: help local people get access to affordable financial services. Today, it has grown into one of the 10 largest credit unions in the United States while staying rooted in the communities it serves.

Unlike a traditional bank, Suncoast is built around its members. That means the focus is on value, service, and community impact rather than outside shareholders.

How big Suncoast is

Suncoast is large enough to offer a broad lineup of products, but still local enough to feel personal.

At a glance:

Florida’s largest credit union
1.3+ million members
39 counties served
79+ branch locations
$19+ billion in assets
Founded in 1934
One of the 10 largest credit unions in the U.S.

That footprint gives Suncoast a strong presence in Tampa Bay, Sarasota, St. Petersburg, Orlando, the Gulf Coast, Central Florida, and Brevard County.

What members can use Suncoast for

Suncoast offers the everyday financial products many Florida families need, with a focus on low cost and practical value.

Everyday banking

Members can open no-fee checking accounts and use free services that help cut down on extra costs, including:

Notary services
Money orders
Accidental death and dismemberment insurance

Borrowing and homebuying

Suncoast offers competitive mortgage and auto loan options, plus programs designed to make homeownership more accessible.

One standout is the Community Heroes Mortgage, which offers no PMI and no origination fees for:

Teachers
First responders
Nurses
Military personnel
Veterans

Business and youth banking

Suncoast also serves small business owners and younger members. It offers business banking solutions and hands-on financial education for kids and teens, including student-run branches in schools across Florida. Suncoast recently opened its 24th student-run branch, showing how seriously it takes financial education.

What makes Suncoast different

Suncoast stands out because it combines scale with a community-first mindset.

A local credit union with statewide reach

Many members want the convenience of a large institution without losing the personal feel of a local financial partner. Suncoast bridges that gap with a statewide network and deep Florida roots.

A mission that gives back

The Suncoast Credit Union Foundation is a 501(c)(3) nonprofit focused on the health, education, and emotional well-being of children across Florida. Since 1990, the Foundation has donated more than $61 million.

One of the most distinctive parts of that impact is simple: every debit and credit card swipe contributes four cents to the Foundation. That means everyday spending helps support Florida children and families.

Built for members, not hype

Suncoast’s approach is practical. It leads with what members gain:

Lower costs
Accessible lending
Community support
Free extras that add real value

Who can join Suncoast

Membership is open to anyone who lives, works, attends school, or worships in the Florida counties Suncoast serves.

Getting started is simple:

Open a savings account with just $5
Join online or visit a branch
Complete eligibility in just a few minutes

Bottom line

Suncoast Credit Union is more than a financial institution. It’s Florida’s largest credit union, a major statewide provider of banking and lending services, and a community partner that reinvests in the people it serves.

If you’re comparing credit unions in Florida, Suncoast’s size, branch network, and community mission make it a strong option for everyday banking, home loans, auto loans, and youth financial education.

To check eligibility or open membership, visit suncoast.com or stop by a nearby branch.