
Your First $50 in Savings is On Us!
Say hello to a smarter way to start saving for that dream vacation, new ride, emergency fund, or anything in between! When you open a Smart Start certificate, we’ll deposit the first $50 to help you get there even faster.
How to Get Your First $50!1

Sign up for this Offer: Register for this new member offer to get a special promo code via email.

Head to a Suncoast Location: Become a member with a $5 deposit in savings and show your promo code to open a new Smart Start certificate account.

Get Your First $50 On Us: We'll deposit the first $50 directly in your new Smart Start certificate account, so you can keep growing your savings with Suncoast.
Promotion Details
A Smart Start certificate is like a share certificate, but with a lower initial deposit requirement of $50 instead of $500. Following the initial deposit, you’ll need to contribute a minimum of $40 per month for 12 months through payroll deduction or automatic transfer. Once you have saved $500, you can transfer the funds to a traditional certificate account.
Instead of you having to make the $50 opening deposit, we’ll cover it for you! Shortly after you sign up for this promotion, we'll be emailing you your special promo code. Then, you’ll head to your nearest Suncoast location and show this special code to one of our Member Advocates. Your Member Advocate will guide you through the process of opening your Suncoast membership, which includes setting up a share savings account (with just a $5 minimum deposit). Then they'll open your Smart Start certificate and deposit your first $50 into it.
You’ll need to commit to a minimum $40 monthly payment to your account, but the sky is the limit! $40 per month for 12 months will get you to the $500 minimum deposit required to roll over to a traditional Share Certificate. But the more you contribute, the more you’ll be able to roll over to a new, high-yield certificate!
Our 12-month Smart Start certificates offer up to 3.70% APY.2
Once you've submitted your information, be sure to keep a close eye on your inbox. We'll be sending you a special email containing your unique promo code. Simply bring this code with you when you visit your closest Suncoast location.

Register to Get Your Promo Code
Once you register, you’ll receive an email from us containing your unique promo code. Simply show your code to a Member Advocate at any Suncoast location, and we’ll deposit the first $50 when you open your new account.
Featured Benefits + Perks
Membership Freebies
One of the major benefits of a credit union is that our profits are returned to members through lower rates on loans, higher earnings on deposits, and more free services. Below are some of the freebies you will enjoy as a Suncoast member.
ATM Access
Enjoy fee free cash access with Suncoast. Members can use free ATMs at Suncoast locations, CO OP Network ATMs, and Publix PRESTO ATMs, making it easy to manage your money on the go.
Free Financial eLearning Courses
Earn a course certificate with our free mPower program, which offers online personal finance courses in short digestible modules that allow you to learn about important financial topics at your own pace.
Fee-Free Checking Account
Cashier's Check
Make secure payments without a checkbook. Suncoast offers a free cashier’s check, ideal for car purchases, rent deposits, and other large payments. One per day limit.
Free Money Orders
Skip check cashing lines and fees with free money orders from Suncoast. They’re a convenient, secure way to pay bills, shop online, or send money, with a daily limit of 12.
Free Notary Service
Need a document notarized? Suncoast offers free, convenient notary services for most documents, so you can get signatures witnessed while handling your banking. Some exceptions apply.
Free Overdraft Protection
Worry less about overdrafts with Suncoast’s free Overdraft Protection. Funds are transferred automatically from linked accounts or credit to cover small debits and help you avoid fees.
Go to MOSI with Suncoast
Discover Tampa's Museum of Science & Innovation (MOSI) with our new exclusive member benefit: Buy one general admission ticket using your Suncoast card and get a second one FREE!











