1 Promotion Period: 4/7/2025—12/31/2025. 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 APY = Annual Percentage Yield and is valid as of September 23, 2025.
3 Member Value Program (MVP): Participation is free. To qualify for the Member Value Program, members must have a savings, active checking account (one transaction per month) and a qualifying third product (a SFCU loan, Visa Credit Card, Certificate, Money Market, IRA Savings or IRA Certificate).
4 APY = Annual Percentage Yield. Rates are subject to change without notice. Sun Federal membership required. To become a member of Sun Federal Credit Union, a savings account with a minimum deposit of $5.00 is required at opening in addition to the Ohio Homebuyer Plus Savings Account to qualify. A minimum deposit of $500 is required. Members must maintain a minimum balance of at least $500 to earn 7.00% Rate/7.25%APY. Maximum deposit allowable of $100,000. Dividends can take the balance above $100,000 and are compounded daily. Account balances under $100,000 have a maximum duration of five years and must be used for a qualified home purchase in Ohio. For balances reaching $100,000, funds must be used within the next 12 calendar months for a qualified home purchase in Ohio. Requirements: Applicant must be at least 18 years of age. Members shall hold not more than one Ohio Homebuyer Savings Program account at any one time except as allowed in the Ohio Homebuyer Savings Plus Participation Statement. Account cannot be held jointly. For complete details about the Ohio Homebuyer Plus program, please visit: ohiotreasurer.gov/homebuyerplus.
5 APY = Annual Percentage Yield and is valid as of September 23, 2025. Rate is subject to change after account opening. Must have an SFCU checking account and debit card to participate in Round 'n Save. No minimum balance required to earn advertised APY which is 0.05%. Members that qualify for the Member Value Program will earn 6.00%. Funds can only be deposited from rounding up on purchases and can be withdrawn at anytime without penalty.
6 MVP rewards apply to all non-business accounts. Exclusive deposit rates apply to IRA Savings, Round ‘n Save, Money Market, Ohio Homebuyer Plus, and Health Savings Accounts. Go to our rates page to see all rates and terms.
7 APY = Annual Percentage Yield. APY accurate as of September 23, 2025. Sun Federal CU membership, account approval, conditions, qualifications, limits, time frames, enrollments, log-ons and other requirements apply. Accounts not to be used for commercial purposes. Limit one account(s) per social security number. Qualifications and rewards may vary by account. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates or approved Kasasa Eats® or Kasasa Play® merchants may change without notice to you. No minimum deposit or minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings. A minimum of 12 debit card transactions, enrollment in online banking and receipt of electronic statements required to earn Kasasa® rewards. 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 in order to qualify for the account's rewards. If the account is closed, you forfeit any rewards that have not been credited to your account. The following activities do not count toward 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. In order to properly distribute the account’s cash back payments; the description field, within the debit card transaction record we receive, must identify one of our current Kasasa Play® or Kasasa Eats® merchants if applicable. If you feel we have not properly identified a valid debit card transaction, please bring the transaction receipt to one of our locations, within sixty (60) days of purchase, so we can research and adjust your rewards, as necessary. There are no recurring monthly maintenance charges or fees to open or close this account. Advertised information and rewards are based on all account qualifications being met during each cycle period. "Monthly Qualification Cycle" means a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle. Kasasa®, Kasasa Cash®, Kasasa Eats®, Kasasa Play® and Kasasa Cash Back® are trademarks of Kasasa®, Ltd., registered in the U.S.A. Depending on what Kasasa® account you have, you will receive the following rewards when you meet your account's qualifications during a Monthly Qualification Cycle: Kasasa Cash®: daily balances up to and including $15,000 receive an APY of 4.00%; and daily balances over $15,000 earn a dividend rate of 0.25% on the portion of the daily balance over $15,000, resulting in a range from 4.00% to 0.25% APY depending on the account's daily balance. Kasasa Cash Back®: you will receive 4.00% cash back on up to a total of $200 in debit card purchases that post and settle to the account during that cycle period. Kasasa Play®: you will earn refunds, up to a combined, aggregate maximum of $10 on debit card purchases made with music, video, gaming and other digital streaming services identified at https://www.kasasa.com/play-partners, that post and settle to the account during that cycle period. Your account’s debit card may be used for any transaction, but the account’s streaming services’ refunds are only valid at and will only be applied to debit card purchases made with one of our identified retailers. Refer to htttps://www.kasasa.com/play-partners or visit one of our locations for a current list of Kasasa Play® merchants. Kasasa Eats®: When your Kasasa Eats account qualifications are met during a Monthly Qualification Cycle, you will receive 4% cash back on up to a total of $250 in debit card purchases, made at grocery stores and food delivery services identified at https://www.kasasa.com/eats-partners, that post and settle to your account during that cycle period. A maximum of $10 in cash back payments may be earned per Monthly Qualification Cycle. Your account's debit card may be used for any transaction but the account's cash back rewards are only valid at and only apply to debit card purchases made with one of our identified retailers. Please refer to https://www.kasasa.com/eats-partners or visit one of our locations for a current list Kasasa Eats merchants. A maximum of one cash back payment may be earned per Monthly Qualification Cycle. Depending on your Kasasa® account, when your qualifications are not met, dividend or cash back payments are not made. Kasasa Cash®: the entire daily balance in the Kasasa Cash® account earns 0.05% APY. You will receive reimbursements on nationwide ATM withdrawal fees incurred within your Kasasa Eats account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. Nationwide ATM withdrawal fee reimbursements as well as dividends or debit card refunds will be credited to your Kasasa® account on the last day of the current statement cycle. Membership: To become a member of Sun Federal Credit Union, a savings account with a minimum deposit of $5.00 is required at opening. Eligibility: Persons who live, work (or regularly conduct business in), worship, or attend school in, and businesses and other legal entities located within our prescribed underserved community consisting of 85 census tracts in Lucas and Wood Counties are eligible to join. As an employee, retiree, member or student of one of our sponsor groups, or if you live, work, worship, attend school or regularly conduct business in Philadelphia, Montgomery, Delaware and Berks counties (based on address), you and members of your immediate family or household are also eligible to join Sun Federal CU.
8 APY = Annual Percentage Yield and is valid as of September 23, 2025. All rates are subject to change without notice. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account.
9 APR = Annual Percentage Rate. Vehicles older than 10 years: max term 48 months, max LTV 80%; Except Classic Cars with Appraisal; Clear Title Loans max LTV 80%. Motorcycles need to have never been titled to qualify for New Vehicle rates. As low as rate includes promotional discount of 0.25% off the approved rate for loans originated from 4/7/2025 - 12/31/2025.
10 APR = Annual Percentage Rate. Rates, terms and conditions are subject to change and vary based on creditworthiness, qualifications and collateral conditions. All loans are subject to approval.
11 APR = Annual Percentage Rate | Visa Application & Solicitation Disclosure
12 APR = Annual Percentage Rate. Each term is based on a sample purchase loan transaction of a single-family primary residence and assumes a $175,000 loan amount with a loan-to-value of 80% or less and a credit score ≥740. Loans with a down payment of less than 20% require private mortgage insurance, which will increase your monthly payment and APR.
13 APR = Annual Percentage Rate. ARM = Adjustable-Rate Mortgage. ARM interest rates and payments are subject to increase after the initial fixed-rate period (3 years for a 3/1 ARM, 5 years for 5/5 ARM). ARM rate adjustments are based on a variable index plus a margin. ARM monthly payments are structured upon amortization schedule of 15-, 20-, or 30-year term.
14 APR = Annual Percentage Rate. Non-Rollover Notes will have a monthly payment calculated with a 20- or 30-year amortization period with a balloon payment due at the end of the twelve-year term (144 months) equal to the remaining balance. Membership Required. LTV=Loan to Value. Programs, rates, terms, and conditions are subject to change without notice. All loans are subject to credit approval. Rates offered are subject to credit score, LTV matrix adjustments, and normal credit underwriting factors. Payments do not include amounts for taxes and insurance premiums. Actual payment obligation may be greater.
15 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.
16 The minimum average daily balance to avoid a $10 monthly fee is $1,000.
17 The minimum average daily balance to avoid a $25 monthly fee is $5,000.
18 New or Used - Borrow up to 80% of the market (retail) value (determined by certificate of authenticity & current appraisal).
All rates are subject to change. Rates effective as of September 23, 2025, unless noted.
Federally Insured By NCUA. Privately Insured By Excess Share Insurance (ESI) up to an additional $250,000.