RT# 267078707
RT# 267078707
Connect Shore Savings to your Sail or Surf Checking and start building savings effortlessly!
Qualifications to Earn the Higher Rate
Qualifying for your Sail Checking or Surf Checking rewards automatically qualifies you for the highest Shore Savings rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your account during each Monthly Qualification Cycle:
Sail Checking Qualifications
Surf Checking Qualifications:
And if you don’t meet these qualifications, don’t worry — your accounts are still free. Plus, you’ll still earn our base rate on Shore Savings. And you can get right back to earning your full rewards the very next cycle that you qualify.
| Best For | Everyday Spending | Extra Cash |
|---|---|---|
Account |
Sail Checking |
Surf Checking |
Features |
5.00% APY* on balances as much as $10,000 Refunds on ATM withdrawal fees, nationwide (up to $20 monthly)* Link to free Shore Savings to build savings automatically |
Get 5.00% cash back on debit card purchases^ Refunds on ATM withdrawal fees, nationwide (up to $20 monthly)^ Link to free Shore Savings to build savings automatically |
Monthly Service Fee |
None |
None |
Interest Earned |
Yes |
Yes |
Minimum Daily Balance to Earn Rewards |
None |
None |
Minimum Opening Deposit |
None |
None |
*Qualification Information: Account transactions and activities may take one or more days to post and settle to the account, and all must do so during the Monthly Qualification Cycle to qualify for the account’s rewards. The following activities do not count towards earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our institution as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.
“Monthly Qualification Cycle” means a period beginning one (1) day after the last day of the previous qualification cycle through one (1) day prior to the last day of the current Statement Cycle. See below for specific Monthly Qualification Cycle dates.
Click here or contact one of our branch service representatives for specific Monthly Qualification Cycle dates.
Reward Information: When your linked Sail Checking or Surf Checking account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $100,000 in your Shore Savings account earn a dividend rate of 1.9819% resulting in an APY of 2.00% and average daily balances over $100,000 earn a dividend rate of 0.4989% on the portion of the average daily balance over $100,000, resulting in a range from 2.00% to 1.25% APY depending on the account’s average daily balance.
When your linked Sail Checking or Surf Checking account qualifications are not met, the entire average daily balance in the Shore Savings account earns a dividend rate of 0.05% resulting in an annual percentage yield of 0.05% APY.
Dividends will be credited to your Shore Savings account on the last day of the current statement cycle.
APY = Annual Percentage Yield.
APYs accurate as of 11/10/2025.
APY calculations are based on an assumed balance of 100,000 + $100,000 in your Shore Savings account and an assumed statement cycle of thirty-one (31) days.
Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.
Additional Information:
Membership restrictions may apply.
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.
No minimum deposit is required to open the account.
Monthly Direct Deposit/ACH credit, enrollment in online banking, enrollment in e-statements are conditions of this account(s).
Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account’s qualifications.
Limit of 1 account(s) per member.
There are no recurring monthly maintenance charges or fees to open or close this account.
A Sail Checking or Surf Checking account is required to have a Shore Savings account.
A linked Shore Savings account is required for automatic savings.
Advertised information and rewards are based on all account qualifications being met during each cycle period.
Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
Unanticipated events or unforeseen problems can occasionally leave you with too little cash in your checking account to cover your expenses. When life happens, we’ve got you covered.
Our standard overdraft protection links your checking account to your savings account. If your checking funds are not enough to cover your transaction, the money is automatically transferred from your savings account, provided the funds are available, for a nominal fee per transfer.
When you do not have sufficient funds to cover your transaction(s), SUN Credit Union will pay the difference on your behalf for a fee per transaction. There are no additional costs associated with Courtesy Pay. Courtesy Pay is activated on accounts in good standing and who are eligible. Learn more
Note: If you do not have sufficient funds in your account and/or you decline Courtesy Pay, we will refuse the payment for your transaction. A per-transaction fee will be charged to your account, along with any additional fees assessed by the other party.
SUN Credit Union’s Trusted Contacts program lets you name someone we can reach out to in an emergency or if we suspect fraud. Your Trusted Contact won’t have access to your account—just extra peace of mind when it matters most.
Since opening our doors in 1946, SUN Credit Union has been a steady, trusted presence for South Floridians looking to build a brighter future. We believe in relationships over transactions and community over corporate profits. When you save with SUN, you’re not just growing your balance—you’re strengthening a local institution that’s been dedicated to empowering members and uplifting our community for generations.
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