Rates

Simplify your spending with reduced fees and added benefits.

Share Accounts

Product APR1 Min Balance

Savings: Personal, Youth, Business

(Paid Quarterly)

0.15%

$100

Capital Account

(Paid Quarterly)

0.46%

0.51%

0.56%

$2,500

$10,000

$15,000

Christmas Club

(Paid Quarterly)

0.15%

$0

Individual Retirement Account (IRA)

(Paid Quarterly)

0.46%

$0

Escrow Checking

(Paid Quarterly)

0.15%

$0

Certificates of Deposit (CD)

Standard Certificates

Term Dividend Rate APY1 Min Balance

3 Months

3.928

4.00

$2,000

5 Months

3.986

4.06

$1,000

6 Months

3.986

4.06

$2,000

12 Months

4.083

4.16

$2,000

24 Months

3.697

3.76

$2,000

36 Months

3.455

3.51

$2,000

60 Months

3.600

3.66

$2,000

Jumbo Certificates

Term Divident rate APY1 Min Balance

3 Months

3.957

4.03

$90,000

5 Months

4.015

4.09

$90,000

6 Months

4.015

4.09

$90,000

12 Months

4.112

4.19

$90,000

24 Months

3.726

3.79

$90,000

36 Months

3.484

3.54

$90,000

60 Months

3.629

3.69

$90,000

Auto Loan Rates

Product APR as low as1

New/Used Auto: Mileage up to 100,0002

3.99%*

Classic/Vintage Auto3

4.99%

DrivingSenseTM - Lease Alternative4

5.49%*

Boat, Motorcycle, and RV Loan Rates

Product APR as low as1

Mileage up to 99,9992

6.99%

Personal Loan Rates

Product APR as low as1

Personal Loan/Lines of Credit

9.95%

Share (Savings) Secured Loan

Share rate + 3%

Home Loan Rates

Product APR as low as1

Home Equity Line of Credit (HELOC)

5.99% Intro Rate5

Mortgage

Market Rate

Visa® Credit Card Rates

Product APR starting at APR up to

Platinum

8.90%

16.90%

Platinum Rewards

9.90%

17.90%

Platinum Secured

8.90%

8.90%

For complete rates and terms, review the SUN Credit Union Visa® Disclosure.

Savings Products

1 APY = Annual Percentage Yield. APR = Annual Percentage Rate. $5 minimum share balances required. Fees could reduce the earnings on accounts. Credit Rate & Terms may vary, and are subject to change without notice.  

Loan Products

2 New/used vehicle loans up to 6 years from current. *Rate includes a .50% rate discount. To qualify, the vehicle must be hybrid, electric, or fuel efficient with combined MPGs ≥ 35.

3 Classic/Vintage vehicles manufactured greater than 25 years up $50,000.

4 New or used vehicles up to 5 calendar years old qualify.

5 HELOC introductory rate fixed for 12 months. After intro period, a variable rate will be imposed ranging from as low as WSJ Prime Rate minus .25% with a floor rate of 4.00% APR to a max rate of 18.00% APR. Eligible discounts apply. Maximum rate change in a 12-month period is 2.00% APR, excluding introductory period.

Effective May 29, 2025