To join Suncoast Credit Union, you'll need to open a share account with at least $5. If you would like to open additional bank accounts, the Suncoast Credit Union Suncoast Credit Union Smartly Checking Account has a $0 minimum opening deposit, a Suncoast Credit Union Suncoast Credit Union Share Certificate requires at least $500 upfront, and the Suncoast Credit Union Suncoast Credit Union Money Market Account has a $1,000 minimum opening deposit.