We've been telling you - and you may have heard it other places - that credit unions, like Sun Federal, can offer you better rates than you'll find anywhere else. Here's where we prove it.
Savings
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Accounts |
Rate/APY |
MVP-Only |
|---|---|---|
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Savings |
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Kasasa Cash® Checking Account |
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When qualification is met in monthly cycle: |
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Tier 1: $0 - $14,999.99 |
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Tier 2: $15,000 and above |
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When qualification is not met in monthly cycle: |
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Health Savings Account |
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Tier 1: $0 - $4,999.99 |
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Tier 2: $5,000.00 - $9999.99 |
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Tier 3: $10,000.00 and above |
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IRA Savings |
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Round 'n Save |
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Ohio Homebuyer Plus
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Balance |
Rate |
APY* |
|---|---|---|
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$500.00 - $100,000.00 |
7.00% | 7.25% |
*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.
For complete information and share savings account details call 800.786.0945.
Money Market
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Empower Money Market |
Rate/APY |
MVP-Only |
|---|---|---|
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Tier 1: $1,000.00-$74,999.99 |
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Tier 2: $75,000.00 - $99,999.99 |
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Tier 3: $100,000.00 - $149,999.99 |
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Tier 4: $150,000.00 - $199,999.99 |
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Tier 5: $200,000.00 and above |
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Amplify Money Market |
Rate/APY |
MVP-Only |
|---|---|---|
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Tier 1: $1,000.00-$24,999.99 |
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Tier 2: $25,000.00 - $49,999.99 |
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Tier 3: $50,000.00 - $74,999.99 |
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Tier 4: $75,000.00 and above |
For complete information and share savings account details call 800.786.0945.
Certificates
Regular Certificates
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Term |
Rate/APY |
Minimum Deposit |
|---|---|---|
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3 Month |
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6 Month |
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12 Month |
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12 Month FlexiRate |
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18 Month |
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24 Month Add-On |
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36 Month |
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48 Month |
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54 Month |
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60 Month |
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84 Month Raise-Up |
Youth Certificate
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Term |
Rate/APY |
Minimum Deposit |
|---|---|---|
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30 Month No Minimum w/ Add-On |
IRA Certificates
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Term |
Rate/APY |
Minimum Deposit |
|---|---|---|
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3 Month |
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6 Month |
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12 Month |
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12 Month FlexiRate |
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18 Month |
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24 Month Add-On |
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36 Month |
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42 Month Add-On |
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48 Month |
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54 Month |
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60 Month |
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84 Month Raise-Up |
For complete information and savings account details call 800.786.0945.
Consumer Loans
Apply Online Today!
Rates, terms and conditions are subject to change and vary based on creditworthiness, qualifications and collateral conditions. All loans are subject to approval.
All rates are subject to change and effective as of DATE, unless noted.
Mortgages
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Loan Type |
Annual Percentage Rate |
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|---|---|---|---|
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Fixed |
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1-14 Year |
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15 Year |
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20 Year |
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30 Year |
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Adjustable Rate Mortgage (ARM2) |
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3/1 (30 year term) |
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5/5 (15 year term) |
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5/5 (20 year term) |
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5/5 (30 year term) |
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Non-Rollover Note3 |
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12/20 Non-Rollover Note |
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12/30 Non-Rollover Note |
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1The Annual Percentage Rate (APR) for 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.
2ARM=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.
3Non-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.
Home Equity
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Annual Percentage Rate |
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Interest-Only Line of Credit |
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Home Improvement (Equity) Fixed |
1-14 year term |
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15 year term |
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Business Services
Business Savings
|
Account |
Rate/APY |
|---|---|
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Business Savings |
Business Checking
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Accounts |
Rate/APY |
|---|---|
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Business Checking |
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The minimum amount to earn dividends |
$1,000 |
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The minimum average daily balance to avoid a $10 monthly fee |
$1,000 |
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Tier 1: $1,000.00-$24,999.99 |
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Tier 2: $25,000.00 - $49,999.99 |
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Tier 3: $50,000.00 - $74,999.99 |
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Tier 4: $75,000 and above |
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Premium Business Checking |
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The minimum amount to earn dividends |
$1,000 |
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The minimum average daily balance to avoid a $25 monthly fee |
$5,000 |
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Tier 1: $1,000.00-$24,999.99 |
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Tier 2: $25,000.00 - $49,999.99 |
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Tier 3: $50,000.00 - $74,999.99 |
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Tier 4: $75,000 and above |
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Club Account |
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The minimum amount to earn dividends |
$1,000 |
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The minimum average daily balance to avoid a fee |
N/A |
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Tier 1: $1,000.00-$24,999.99 |
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Tier 2: $25,000.00-$49,999.99 |
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Tier 3: $50,000.00-$74,999.99 |
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Tier 4: $75,000 and above |
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Solution 100 and 300 Checking1 |
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The minimum amount to earn dividends |
$10,000 |
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Tier 1: $10,000.00-$24,999.99 |
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Tier 2: $25,000.00 - $49,999.99 |
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Tier 3: $50,000.00 - $74,999.99 |
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Tier 4: $75,000 and above |
1Non-active offer. For existing Solution 100 and 300 account holders.
Business Loans and Lines of Credit
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Loan Type |
Annual Percentage Rate |
|---|---|
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Business Lines Of Credit |
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Real Estate Secured |
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Real Estate Secured (Interest-Only Option) |
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Share Secured |
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Other Secured |
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Other Secured (Interest-Only Option) |
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Unsecured |
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Business Credit Card |
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Business Vehicle Or Equipment Loans |
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Professional Musician Instrument Loans |
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1-5 Year Fixed |
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6-10 Year Fixed |
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11-12 Year Fixed |
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12/20 Non-Rollover Note |
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12/25 Non-Rollover Note |
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12/30 Non-Rollover Note |
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Disclosure: Business Savings: Dividends compounded monthly, dividends credited monthly, dividend period = monthly. Minimum opening deposit = $5.00, Minimum Balance to earn dividends = $5.00, Transfer limitations. The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. Rate and yield may change at any time. The Dividend Rates and Annual Percentage Yields are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period. Business Checking, Premium Business Checking, and Club Account: these are tiered rate accounts. If your Average Daily Balance is from $1,000 to $24,999.99, the first Dividend Rate and Annual Percentage Yield listed for this account in the Rate Schedule will apply. If your Average Daily Balance is from $25,000 to $49,999.99, the second Dividend Rate and Annual Percentage Yield listed for this account will apply. If your Average Daily Balance is from $50,000 to $74,999.99, the third Dividend Rate and Annual Percentage Yield listed for this account in the Rate Schedule will apply. If your Average Daily Balance is $75,000 or more, the fourth Dividend Rate and Annual Percentage Yield listed for this account in the Rate Schedule will apply. Solution 100 and Solution 300 Checking Accounts: these are tiered rate accounts. If your Average Daily Balance is from $10,000 to $24,999.99, the first Dividend Rate and Annual Percentage Yield listed for this account in the Rate Schedule will apply. If your Average Daily Balance is from $25,000 to $49,999.99, the second Dividend Rate and Annual Percentage Yield listed for this account will apply. If your Average Daily Balance is from $50,000 to $74,999.99, the third Dividend Rate and Annual Percentage Yield listed for this account in the Rate Schedule will apply. If your Average Daily Balance is $75,000 or more, the fourth Dividend Rate and Annual Percentage Yield listed for this account in the Rate Schedule will apply. Once a particular range is met, the Dividend Rate & Annual Percentage Yield for that balance range will apply to the full balance of your account.
All rates are subject to change and effective as of DATE, unless noted.