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

Accounts

Rate/APY

MVP-Only
Rate/APY

Savings

   

Kasasa Cash® Checking Account

When qualification is met in monthly cycle:

Tier 1: $0 - $14,999.99

   

Tier 2: $15,000 and above

   

When qualification is not met in monthly cycle:

   

Health Savings Account

Tier 1: $0 - $4,999.99

   

Tier 2: $5,000.00 - $9999.99

   

Tier 3: $10,000.00 and above

   

IRA Savings

   

Round 'n Save

   

Ohio Homebuyer Plus

Balance

Rate

APY*

$100.00 - $100,000.00

7.00% 7.25%

All rates are subject to change. Rates effective as of DATE, unless noted.

For complete information and share savings account details call 800.786.0945.

Money Market

Empower Money Market

Rate/APY

MVP-Only
Rate/APY

Tier 1: $1,000.00-$74,999.99

   

Tier 2: $75,000.00 - $99,999.99

   

Tier 3: $100,000.00 - $149,999.99 

   

Tier 4: $150,000.00 - $199,999.99

   

Tier 5: $200,000.00 and above

   

 

Amplify Money Market

Rate/APY

MVP-Only
Rate/APY

Tier 1: $1,000.00-$24,999.99

   

Tier 2: $25,000.00 - $49,999.99

   

Tier 3: $50,000.00 - $74,999.99 

   

Tier 4: $75,000.00 and above

   

All rates are subject to change. Rates effective as of DATE, unless noted.

For complete information and share savings account details call 800.786.0945.

Certificates

Regular Certificates

Term

Rate/APY

Minimum Deposit

3 Month

   

6 Month

   

12 Month

   

12 Month FlexiRate

   

18 Month

   

24 Month Add-On

   

36 Month

   

48 Month

   

54 Month

   

60 Month

   

84 Month Raise-Up

   


Youth Certificate

Term

Rate/APY

Minimum Deposit

30 Month No Minimum w/ Add-On

   


IRA Certificates

Term

Rate/APY

Minimum Deposit

3 Month

   

6 Month

   

12 Month

   

12 Month FlexiRate

   

18 Month

   

24 Month Add-On

   

36 Month

   

42 Month Add-On

   

48 Month

   

54 Month

   

60 Month

   

84 Month Raise-Up

   

All rates are subject to change. Rates effective as of DATE, unless noted.

For complete information and savings account details call 800.786.0945.

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.

Loan Type 

Annual Percentage Rate

Vehicle Loans New & Used Titled Vehicle - Autos, Trucks & Motorcycles**

New (Under 10,000 miles, excludes private party sales) 1-75 month term  
  76-84 month term ($30K+)  
Used (2019-2024) 1-75 month term  
  76-84 month term ($30K+)  
Used (2018 and Older*) 1-51 month term  
  52-60 month term ($30K+)  

*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

RV, Boats, Motor Homes, and Travel Trailers New & Used Titled Vehicle

New & Used 1-75 month term  
  76-144 month term ($30K+)  

Personal Loans

Lifestyle Signature

Up to 60 months  
  61-84 months  

Personal Line of Credit

 

Overdraft Protection

 

Credit Cards

Cash Back Credit Card

 

Rate Advantage Credit Card

 

Luxury Credit Card

 

*APR will vary with the market based on the Prime Rate.

Home Equity

Interest-Only Line of Credit
Up to 95% LTV (adjusts every 6 months) 

 

Home Improvement (Equity) Fixed
Rate dependent on term, CLTV & credit score

1-14 year term

 

 

15 year term

 

Business Services

All rates are subject to change. Rates effective as of DATE, unless noted. To ensure you have the most current rates, please use your browser's refresh (or reload) button to update this page.

Business Savings

Account

Rate/APY

Business Savings

 

Business Checking

Accounts

Rate/APY

Business Checking

 

The minimum amount to earn dividends

$1,000

The minimum average daily balance to avoid a $10 monthly fee

$1,000

Tier 1: $1,000.00-$24,999.99

 

Tier 2: $25,000.00 - $49,999.99

 

Tier 3: $50,000.00 - $74,999.99

 

Tier 4: $75,000 and above

 

Premium Business Checking

 

The minimum amount to earn dividends

$1,000

The minimum average daily balance to avoid a $25 monthly fee

$5,000

Tier 1: $1,000.00-$24,999.99

 

Tier 2: $25,000.00 - $49,999.99

 

Tier 3: $50,000.00 - $74,999.99

 

Tier 4: $75,000 and above

 

Club Account

 

The minimum amount to earn dividends

$1,000

The minimum average daily balance to avoid a fee

N/A

Tier 1: $1,000.00-$24,999.99

 

Tier 2: $25,000.00-$49,999.99

 

Tier 3: $50,000.00-$74,999.99

 

Tier 4: $75,000 and above

 

Solution 100 and 300 Checking1

 

The minimum amount to earn dividends

$10,000

Tier 1: $10,000.00-$24,999.99

 

Tier 2: $25,000.00 - $49,999.99

 

Tier 3: $50,000.00 - $74,999.99

 

Tier 4: $75,000 and above

 

1Non-active offer. For existing Solution 100 and 300 account holders.

Business Loans and Lines of Credit

Loan Type

Annual Percentage Rate

Business Lines Of Credit

Real Estate Secured

 

Real Estate Secured (Interest-Only Option)

 

Share Secured

 

Other Secured

 

Other Secured (Interest-Only Option)

 

Unsecured

 

Business Credit Card

 

Business Vehicle Or Equipment Loans

 

Professional Musician Instrument Loans
New or Used - Borrow up to 80% of the market (retail) value (determined by certificate of authenticity & current appraisal).

1-5 Year Fixed

 

6-10 Year Fixed

 

11-12 Year Fixed

 

12/20 Non-Rollover Note

 

12/25 Non-Rollover Note

 

12/30 Non-Rollover Note

 

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.