RT# 267078707
RT# 267078707
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| 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 $50,000 |
Christmas Club (Paid Quarterly) |
0.15% |
$0 |
Individual Retirement Account (IRA) (Paid Quarterly) |
0.46% |
$0 |
Escrow Checking (Paid Quarterly) |
0.15% |
$0 |
| Balance | APR1 | APY1 | Min Balance |
|---|---|---|---|
$0 - $10,000 (Qualified Rate) |
4.88% |
5.00% |
$0 |
$10,000.01+ (Qualified Rate) |
0.49% |
0.50% |
$0 |
Base Rate (Non Qualified Rate) |
0.05% |
0.05% |
$0 |
| Balance | APR1 | APY1 | Min Balance |
|---|---|---|---|
$0 - $100,000 (Qualified Rate) |
1.98% |
2.00% |
$0 |
$100,000.01+ (Qualified Rate) |
0.49% |
0.50% |
$0 |
Base Rate (Non Qualified Rate) |
0.05% |
0.05% |
$0 |
| Term | Dividend Rate | APY1 | Min Balance |
|---|---|---|---|
3 Months |
3.212 |
3.26 |
$2,000 |
5 Months |
3.309 |
3.36 |
$1,000 |
6 Months |
3.309 |
3.36 |
$2,000 |
12 Months |
3.358 |
3.41 |
$2,000 |
24 Months |
3.406 |
3.46 |
$2,000 |
36 Months |
3.261 |
3.31 |
$2,000 |
60 Months |
3.697 |
3.76 |
$2,000 |
| Term | Divident rate | APY1 | Min Balance |
|---|---|---|---|
3 Months |
3.241 |
3.29 |
$90,000 |
5 Months |
3.338 |
3.39 |
$90,000 |
6 Months |
3.338 |
3.39 |
$90,000 |
12 Months |
3.387 |
3.44 |
$90,000 |
24 Months |
3.435 |
3.49 |
$90,000 |
36 Months |
3.290 |
3.34 |
$90,000 |
60 Months |
3.726 |
3.79 |
$90,000 |
| 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%* |
| Product | APR as low as1 |
|---|---|
Personal Loan/Lines of Credit |
9.95% |
Share (Savings) Secured Loan |
Share rate + 3% |
| Product | APR as low as1 |
|---|---|
Home Equity Line of Credit (HELOC) |
3.99% Intro Rate5 |
Mortgage |
Market Rate |
| 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 plus the margin assigned 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.
| Category | DrivingSense | Conventional Financing |
|---|---|---|
Monthly Payments |
Lower payments with savings as high as 40%. |
Typically higher monthly payments. |
Loan Terms |
Flexible terms ranging from 24 to 72 months on all models up to 5 years old. |
Fixed terms, often less flexible. |
Payment Structure |
Based on actual use of the vehicle (depreciation) with a final balloon payment based on projected resale value. |
Based on full vehicle cost without factoring depreciation. |
Negative Equity Risk |
Reduces negative equity risk by aligning payments with the vehicle's depreciation. |
Higher risk of negative equity, especially with rapid depreciation. |
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