1 Promotion Period: 4/7/2025—9/30/2025. All loans subject to credit approval. Rates, terms, and conditions vary based on creditworthiness, qualifications, and collateral conditions. Sun Federal Credit Union membership required for all borrowers. Qualifying members receive a 0.25% discount off their approved rate. Membership and Eligibility: To become a member, a savings account with a minimum deposit of $5.00 is required at opening that must be maintained throughout life of the membership. Eligibility: Persons who 1) are an employee, retiree, member or student within one of our sponsor groups; 2) live, work (or regularly conduct business in), worship, or attend school in, and businesses and other legal entities located within our prescribed underserved community in Ohio consisting of 85 census tracts in Lucas and Wood Counties or Philadelphia, Montgomery, Delaware and Berks counties in Pennsylvania (based on address); or 3) join the American Consumer Council via a complimentary membership. Once a member, members of your immediate family or household are also eligible to join Sun Federal CU. Sun Federal CU has the right to terminate this promotion at any time without notice. May not be combined with any other offer.
2 APR = Annual Percentage Rate. Rates subject to change and are based on credit score. Loan-to-value maximum based on credit score. Loans subject to membership eligibility, credit approval and application. Minimum payment must be made each month. Interest-Only Home Equity Line of Credit: Rate based on prime plus margin and credit score. During the draw period, interest-only minimum payments required. Floor is 3.00% APR, maximum APR is 18.00%. Rate will change to the prime rate plus margin every six months after the booking date. 25-year term (10-year draw period and 15-year repayment period). Primary and secondary residence only. Property insurance is required. Existing Sun Federal Home Equity Line of Credit (HELOC) borrower(s) must re-apply and re-qualify. No Closing Costs: Does not include full appraisal if needed also dependent on state law if outside of Ohio, Michigan, Pennsylvania, and New jersey. Home Equity Loan: Payment example: For a $20,000 Home Equity Loan for a term of 14 years at 7.375% Annual Percentage Rate, the estimated monthly payment would be $191.23.
Federally Insured By NCUA. Privately Insured By Excess Share Insurance (ESI) up to an additional $250,000.