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Sunward Credit Union Rates & Review November 2026

Q: What are the current interest rates at Sunward Credit Union?

Current rates for Sunward Credit Union include: 12-Month CD: 4.15%, 24-Month CD: 4.25%, 60-Month CD: 3.56%, Savings: 1.35%, MMA: 5.05%

Q: What CD terms does Sunward Credit Union offer?

Sunward Credit Union CD rates are 3.90% APY for a 6 month CD, 3.95% APY for a 9 month CD, 4.15% APY for a 12 month CD, 3.75% APY for a 16 month CD, 4.25% APY for a 2 year CD and 3.56% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Sunward Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 28, 2026

Sunward Credit Union's Term CDs - 24 month rates are at 4.25%, Term CDs - 12 month rates are at 4.15%, Term CDs - 9 month rates are at 3.95%, Term CDs - 6 month rates are at 3.90%, FLEX Term CD - 16 month rates are at 3.75%. Sunward Credit Union's savings rates are at 1.35%. Sunward Credit Union's money market rates are at 5.05%. Sunward Credit Union's checking rates are as high as 10.00%. Sunward Credit Union's 5/5 Adjustable Rate Mortgage rates are at 6.25%, Jumbo 5/5 Adjustable Rate Mortgage rates are at 6.25%, Fixed Rate Mortgage - 15 Year rates are at 6.38%, Fixed Rate Mortgage - 10 Year rates are at 6.38%, 15/15 Adjustable Rate Mortgage rates are at 6.75%. Sunward Credit Union's Personal Loan Rates are as low as 10.00%. Sunward Credit Union's Credit Card Rates are at 12.00%. Sunward Credit Union's CD rates are 34% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Sunward Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.97%. Rates last updated and verified on 10/28/2026.

Sunward Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Sunward Credit Union? Share your experience about Sunward Credit Union by leaving a review below, or read customer reviews before you decide to use Sunward Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.97%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Sunward Credit Union
CUC Credit Union Center

3707 Juan Tabo Blvd NE
Albuquerque, NM 87111

https://www.slfcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Sunward Credit Union CD Rates

Product	Rate	APY	Term
Term Certificates - 24 month	4.17%	4.25%	24 months
Min Balance $500 Details Dividend Rate 4.17%, APY 4.25%; Minimum Balance $500; APY if dividends are not withdrawn during the term; Standard Term Certificates available to personal and business members Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 4.11% → 4.25% ▲ 0.14 pts · high 4.25% / low 4.11% Oct 23, 20264.25%▲ from 4.11% Sep 14, 20264.11%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Term Certificates - 12 month	4.07%	4.15%	12 months
Min Balance $500 Details Dividend Rate 4.07%, APY 4.15%; Minimum Balance $500; APY if dividends are not withdrawn during the term; Standard Term Certificates available to personal and business members Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00% Oct 23, 20264.15%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Term Certificates - 9 month	3.88%	3.95%	9 months
Min Balance $500 Details Dividend Rate 3.88%, APY 3.95%; Minimum Balance $500; APY if dividends are not withdrawn during the term; Standard Term Certificates available to personal and business members Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 3.95% ▲ 0.20 pts · high 3.95% / low 3.75% Oct 23, 20263.95%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Term Certificates - 6 month	3.83%	3.90%	6 months
Min Balance $500 Details Dividend Rate 3.83%, APY 3.90%; Minimum Balance $500; APY if dividends are not withdrawn during the term; Standard Term Certificates available to personal and business members Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 3.90% ▲ 0.25 pts · high 3.90% / low 3.65% Oct 23, 20263.90%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
FLEX Term Certificate - 16 month	3.69%	3.75%	16 months
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and over; 3.75% APY is a promotional rate for a limited time on new Flex Term Certificates with balances of $100,000 or more; $500 minimum opening deposit; Available to personal and business members Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Term Certificates - 36 month	3.59%	3.65%	36 months
Min Balance $500 Details Dividend Rate 3.59%, APY 3.65%; Minimum Balance $500; APY if dividends are not withdrawn during the term; Standard Term Certificates available to personal and business members Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Term Certificates - 60 month	3.50%	3.56%	60 months
Min Balance $500 Details Dividend Rate 3.50%, APY 3.56%; Minimum Balance $500; APY if dividends are not withdrawn during the term; Standard Term Certificates available to personal and business members Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 3.56% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
FLEX Term Certificate - 16 month	3.45%	3.51%	16 months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $99,999.99; $500 minimum opening deposit; Available to personal and business members; Up to 50% may be withdrawn once per calendar month without penalty Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.51% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Term Certificates - 48 month	3.45%	3.51%	48 months
Min Balance $500 Details Dividend Rate 3.45%, APY 3.51%; Minimum Balance $500; APY if dividends are not withdrawn during the term; Standard Term Certificates available to personal and business members Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 3.51% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Term Certificates - 3 month	3.06%	3.10%	3 months
Min Balance $500 Details Dividend Rate 3.06%, APY 3.10%; Minimum Balance $500; APY if dividends are not withdrawn during the term; Standard Term Certificates available to personal and business members Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%

Sunward Credit Union Business CD Rates

Product	Rate	APY	Term	View More
6 Month Business Term Certificate Promo	3.93%	4.00%	6 months
Min Balance $500 Details Balance: $500 minimum; Dividend rate 3.93%, APY 4.00%; Business promo term certificate Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%

Sunward Credit Union Savings Rates

Product	Rate	APY
Money Market Savings	1.34%	1.35%
Min Balance $200,000 Details Balance: $200,000 and over Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 1.35% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Money Market Savings	1.14%	1.15%
Min Balance $150,000 Details Balance: $150,000 - $199,999 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 1.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Money Market Savings	0.95%	0.95%
Min Balance $100,000 Details Balance: $100,000 - $149,999 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.95% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Money Market Savings	0.75%	0.75%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Money Market Savings	0.55%	0.55%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Money Market Savings	0.40%	0.40%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Money Market Savings	0.25%	0.25%
Min Balance $2,500 Details Balance: $2,500 - $9,999 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Savings Accounts	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000 and over Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Savings Accounts	0.05%	0.05%
Min Balance $100 Details Balance: $100 - $9,999 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%

Sunward Credit Union Money Market Rates

Product	Rate	APY
Power Money Market Account	4.93%	5.05%
Min Balance $0 Details Balance: $0.00 - $2,500.00 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 5.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Power Money Market Account	3.00%	3.05%
Min Balance $2,500 Details Balance: $2,500.01 - $5,000.00 Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 3.04% → 3.05% ▲ 0.01 pts · high 3.05% / low 3.04% Oct 4, 20263.05%▲ from 3.04% Sep 14, 20263.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Power Money Market Account	2.02%	2.04%
Min Balance $5,000 Details Balance: $5,000.01 - $10,000.00 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 2.04% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Money Market Savings	1.34%	1.35%
Min Balance $200,000 Details Balance: $200,000 and over Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 1.35% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Money Market Savings	1.14%	1.15%
Min Balance $150,000 Details Balance: $150,000 - $199,999 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 1.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Power Money Market Account	1.04%	1.05%
Min Balance $10,000 Details Balance: $10,000.01 - $15,000.00 Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 1.04% → 1.05% ▲ 0.01 pts · high 1.05% / low 1.04% Oct 4, 20261.05%▲ from 1.04% Sep 14, 20261.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Money Market Savings	0.95%	0.95%
Min Balance $100,000 Details Balance: $100,000 - $149,999 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.95% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Money Market Savings	0.75%	0.75%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Money Market Savings	0.55%	0.55%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Power Money Market Account	0.44%	0.44%
Min Balance $15,000 Details Balance: $15,000.01 - $25,000.00 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.44% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Money Market Savings	0.40%	0.40%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Money Market Savings	0.25%	0.25%
Min Balance $2,500 Details Balance: $2,500 - $9,999 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Power Money Market Account	0.14%	0.14%
Min Balance $25,000 Details Balance: $25,000.01 and over Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.14% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%

Sunward Credit Union Checking Rates

Product	Rate	APY	View More
Checking Account Promotion	-	10.00%
Details Earn 10% APY on the first $1,000; qualifying balance up to $1,000; promotion lasts up to 12 months after account opening; open a checking account; terms apply Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 10.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%

Sunward Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
5/5 Adjustable Rate Mortgage	6.25%	-	6.432%	30 Years
Details As Low As; Current Calculation of Rate Remaining Term: 7.000%; Rate fixed 5 years then adjusts every 5 years; Up to 97% LTV for first-time homebuyers, 95% for other purchases Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.43% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Jumbo 5/5 Adjustable Rate Mortgage	6.25%	-	6.432%	30 Years
Details As Low As; Jumbo loan (loans over $766,550); Current Calculation of Rate Remaining Term: 7.000%; Rate fixed 5 years then adjusts every 5 years; Up to 97% LTV for first-time homebuyers, 95% for other purchases Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.43% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Fixed Rate Mortgage - 15 Year	6.375%	0.125%	6.601%	15 Year
Details As Low As; Fixed Rate Mortgages Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.60% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Fixed Rate Mortgage - 10 Year	6.375%	0.125%	6.673%	10 Year
Details As Low As; Fixed Rate Mortgages Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.67% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Fixed Rate Mortgage - 15 Year	6.50%	0%	6.707%	15 Year
Details As Low As; Fixed Rate Mortgages Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.71% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Fixed Rate Mortgage - 10 Year	6.50%	0%	6.771%	10 Year
Details As Low As; Fixed Rate Mortgages Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.77% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Fixed Rate Mortgage - 15 Year	6.625%	-0.125%	6.834%	15 Year
Details As Low As; Fixed Rate Mortgages Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.83% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Fixed Rate Mortgage - 10 Year	6.625%	-0.125%	6.898%	10 Year
Details As Low As; Fixed Rate Mortgages Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.90% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
15/15 Adjustable Rate Mortgage	6.75%	-	6.963%	30 Years
Details As Low As; Rate 1st 15 Years; Rate and payments adjust once at 15 years; Index: one-month average yield of the 10-Year US Treasury, subject to 4.00% floor Last Updated 10/28/2026 Rate History 1 change since Oct 12, 2026 · 5.90% → 6.96% ▲ 1.06 pts · high 6.96% / low 5.90% Oct 23, 20266.96%▲ from 5.90% Oct 12, 20265.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
5/5 >80% Adjustable Rate Mortgage	6.75%	-	6.963%	30 Years
Details As Low As; Loan-to-value over 80%; Current Calculation of Rate Remaining Term: 7.000%; Rate fixed 5 years then adjusts every 5 years; Up to 97% LTV for first-time homebuyers, 95% for other purchases Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.96% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Jumbo 15/15 Adjustable Rate Mortgage	6.75%	-	6.963%	30 Years
Details As Low As; Rate 1st 15 Years; For loans over $766,550; Rate and payments adjust once at 15 years; Index: one-month average yield of the 10-Year US Treasury, subject to 4.00% floor Last Updated 10/28/2026 Rate History 1 change since Oct 12, 2026 · 5.90% → 6.96% ▲ 1.06 pts · high 6.96% / low 5.90% Oct 23, 20266.96%▲ from 5.90% Oct 12, 20265.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Jumbo 5/5 >80% Adjustable Rate Mortgage	6.75%	-	6.963%	30 Years
Details As Low As; Jumbo loan (loans over $766,550); Loan-to-value over 80%; Current Calculation of Rate Remaining Term: 7.000%; Rate fixed 5 years then adjusts every 5 years; Up to 97% LTV for first-time homebuyers, 95% for other purchases Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.96% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Fixed Rate Mortgage - 20 Year	6.75%	0.500%	6.996%	20 Year
Details As Low As; Fixed Rate Mortgages Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Fixed Rate Mortgage - 20 Year	6.875%	0%	7.058%	20 Year
Details As Low As; Fixed Rate Mortgages Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.06% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Fixed Rate Mortgage - 30 Year	6.875%	0.375%	7.072%	30 Year
Details As Low As; Fixed Rate Mortgages Last Updated 10/28/2026 Rate History 1 change since Oct 23, 2026 · 7.09% → 7.07% ▼ 0.01 pts · high 7.09% / low 7.07% Oct 28, 20267.07%▼ from 7.09% Oct 23, 20267.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Fixed Rate Mortgage - 30 Year	7.00%	0%	7.161%	30 Year
Details As Low As; Fixed Rate Mortgages Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.16% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Fixed Rate Mortgage - 20 Year	7.00%	-0.250%	7.184%	20 Year
Details As Low As; Fixed Rate Mortgages Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.18% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
7/1 Adjustable Rate Mortgages - 7/1 1st	7.00%	-	7.229%	30 Years
Details As Low As; Current Calculation of Rate Remaining Term: 7.750%; Payment per $1,000 financed ignored Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.23% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
7/1 Adjustable Rate Mortgages - Jumbo 7/1 1st	7.00%	-	7.229%	30 Years
Details As Low As; Current Calculation of Rate Remaining Term: 7.750%; Payment per $1,000 financed ignored Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.23% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Fixed Rate Mortgage - 30 Year	7.125%	-0.375%	7.289%	30 Year
Details As Low As; Fixed Rate Mortgages Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.29% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
7/1 Adjustable Rate Mortgages - 7/1 >80% 1st	7.25%	-	7.496%	30 Years
Details As Low As; Current Calculation of Rate Remaining Term: 7.750%; Payment per $1,000 financed ignored Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
7/1 Adjustable Rate Mortgages - Jumbo 7/1 >80% 1st	7.25%	-	7.496%	30 Years
Details As Low As; Current Calculation of Rate Remaining Term: 7.750%; Payment per $1,000 financed ignored Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%

Sunward Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit - Type 1	7.00%	3.990%	7.00%	20 Years
Details As Low As; Rate shown for first 3 months; Minimum Line: $35,000; Current Rate Remaining Term: 6.625%; Maximum Rate: 14.750% Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Home Equity Line of Credit - Type 2 w/ 1	7.00%	3.990%	7.00%	20 Years
Details As Low As; Rate shown for first 3 months; Minimum Line: $10,000; Current Rate Remaining Term: 6.625%; Maximum Rate: 15.250% Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Home Equity Line of Credit	8.00%	3.990%	8.00%	15 years
Details As Low As; Type: 1 Last Updated 10/28/2026 Rate History 1 change since Oct 8, 2026 · 8.30% → 8.00% ▼ 0.30 pts · high 8.30% / low 8.00% Oct 23, 20268.00%▼ from 8.30% Oct 8, 20268.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%

Sunward Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan - New & Used Vehicle	-	-	4.55%	Up to 36 months
Details As Low As; Available rate based on credit history, model year, mileage, and loan term; vehicles from the current or two previous model years with mileage <=25,000 qualify for new car rates Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 4.18% → 4.55% ▲ 0.37 pts · high 4.55% / low 4.18% Oct 23, 20264.55%▲ from 4.18% Oct 15, 20264.18%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Auto Loans	-	-	4.64%
Details As Low As; Headline auto loan APR. New vehicle loans: terms up to 84 months; used vehicle loans: terms up to 72 months; no payments for 90 days with loan pre-approval; rate subject to credit approval Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 4.64% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Auto Loan - New & Used Vehicle	-	-	4.89%	37-48 months
Details As Low As; Available rate based on credit history, model year, mileage, and loan term; vehicles from the current or two previous model years with mileage <=25,000 qualify for new car rates Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 4.89% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Auto Loan - New & Used Vehicle	-	-	5.15%	49-60 months
Details As Low As; Available rate based on credit history, model year, mileage, and loan term; vehicles from the current or two previous model years with mileage <=25,000 qualify for new car rates Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 5.15% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Auto Loan - New & Used Vehicle	-	-	5.28%	61-72 months
Details As Low As; Available rate based on credit history, model year, mileage, and loan term; vehicles from the current or two previous model years with mileage <=25,000 qualify for new car rates Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 5.28% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Auto Loan - New Vehicle	-	-	5.75%	73-84 months
Details As Low As; Available rate based on credit history, model year, mileage, and loan term; vehicles from the current or two previous model years with mileage <=25,000 qualify for new car rates Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 5.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%

Sunward Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New RVs, Motorcycles, ATVs, Boats, Boat Motors, Trailers Loan	-	7.38%	Up to 48 months
Details As Low As; 80% financing available Last Updated 10/28/2026 Rate History 3 changes since Sep 14, 2026 · 7.00% → 7.38% ▲ 0.38 pts · high 7.63% / low 7.00% Oct 28, 20267.38%▼ from 7.63% Oct 4, 20267.63%▲ from 7.25% Sep 18, 20267.25%▲ from 7.00% Sep 14, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Used RVs, Motorcycles, ATVs, Boats, Boat Motors, Trailers Loan	-	7.38%	Up to 48 months
Details As Low As; Previous model year and up to 10 years old: 80% financing available Last Updated 10/28/2026 Rate History 3 changes since Sep 14, 2026 · 7.00% → 7.38% ▲ 0.38 pts · high 7.63% / low 7.00% Oct 28, 20267.38%▼ from 7.63% Oct 4, 20267.63%▲ from 7.25% Sep 18, 20267.25%▲ from 7.00% Sep 14, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
New RVs, Motorcycles, ATVs, Boats, Boat Motors, Trailers Loan	-	8.00%	49-84 months
Details As Low As; 80% financing available Last Updated 10/28/2026 Rate History 3 changes since Sep 14, 2026 · 7.50% → 8.00% ▲ 0.50 pts · high 8.13% / low 7.50% Oct 28, 20268.00%▼ from 8.13% Oct 4, 20268.13%▲ from 7.75% Sep 18, 20267.75%▲ from 7.50% Sep 14, 20267.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Used RVs, Motorcycles, ATVs, Boats, Boat Motors, Trailers Loan	-	8.00%	49-84 months
Details As Low As; Previous model year and up to 10 years old: 80% financing available Last Updated 10/28/2026 Rate History 3 changes since Sep 14, 2026 · 7.50% → 8.00% ▲ 0.50 pts · high 8.13% / low 7.50% Oct 28, 20268.00%▼ from 8.13% Oct 4, 20268.13%▲ from 7.75% Sep 18, 20267.75%▲ from 7.50% Sep 14, 20267.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
New RVs, Motorcycles, ATVs, Boats, Boat Motors, Trailers Loan	-	8.25%	85-120 months
Details As Low As; 80% financing available Last Updated 10/28/2026 Rate History 2 changes since Sep 14, 2026 · 7.75% → 8.25% ▲ 0.50 pts · high 8.25% / low 7.75% Oct 4, 20268.25%▲ from 7.88% Sep 18, 20267.88%▲ from 7.75% Sep 14, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Used RVs, Motorcycles, ATVs, Boats, Boat Motors, Trailers Loan	-	8.25%	85-120 months
Details As Low As; Previous model year and up to 10 years old: 80% financing available Last Updated 10/28/2026 Rate History 2 changes since Sep 14, 2026 · 7.75% → 8.25% ▲ 0.50 pts · high 8.25% / low 7.75% Oct 4, 20268.25%▲ from 7.88% Sep 18, 20267.88%▲ from 7.75% Sep 14, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
New RVs, Motorcycles, ATVs, Boats, Boat Motors, Trailers Loan	-	8.63%	121-180 months
Details As Low As; 80% financing available Last Updated 10/28/2026 Rate History 4 changes since Sep 14, 2026 · 8.25% → 8.63% ▲ 0.38 pts · high 8.75% / low 8.25% Oct 28, 20268.63%▼ from 8.75% Oct 12, 20268.75%▲ from 8.63% Oct 4, 20268.63%▲ from 8.38% Sep 18, 20268.38%▲ from 8.25% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Used RVs, Motorcycles, ATVs, Boats, Boat Motors, Trailers Loan	-	8.63%	121-180 months
Details As Low As; Previous model year and up to 10 years old: 80% financing available Last Updated 10/28/2026 Rate History 4 changes since Sep 14, 2026 · 8.25% → 8.63% ▲ 0.38 pts · high 8.75% / low 8.25% Oct 28, 20268.63%▼ from 8.75% Oct 12, 20268.75%▲ from 8.63% Oct 4, 20268.63%▲ from 8.38% Sep 18, 20268.38%▲ from 8.25% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%

Sunward Credit Union Credit Card Rates

Product	Rate	APR
Visa Signature Business	-	12.00%
Details APR varies with the market based on the Prime Rate; 1% year-end rebate on purchases; No annual fee, no balance transfer fee Last Updated 10/28/2026 Rate History 1 change since Sep 25, 2026 · 11.75% → 12.00% ▲ 0.25 pts · high 12.00% / low 11.75% Oct 4, 202612.00%▲ from 11.75% Sep 25, 202611.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Visa Platinum Value	-	12.75%
Details Published APR range: 12.75% to 15.25%. APR for purchases and balance transfers; APR for cash advances same as purchases; APRs vary with the market based on the Prime Rate; no annual fee; no balance transfer fee; cash advance fee $5; foreign transaction fee 1%; minimum credit line $500 Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 12.50% → 12.75% ▲ 0.25 pts · high 12.75% / low 12.50% Oct 4, 202612.75%▲ from 12.50% Sep 14, 202612.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Visa Platinum Value Secured	-	14.75%
Details APR for purchases and balance transfers; APR for cash advances same as purchases; no credit score needed to apply; no annual fee; no balance transfer fee; cash advance fee $5; foreign transaction fee 1% Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 14.50% → 14.75% ▲ 0.25 pts · high 14.75% / low 14.50% Oct 4, 202614.75%▲ from 14.50% Sep 14, 202614.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Visa Platinum Rebate	-	15.00%
Details Published APR range: 15.00% to 17.50%. APR varies with the market based on the Prime Rate; Earn 1.00% monthly rebate on purchases; No annual fee, no balance transfer fee Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 14.75% → 15.00% ▲ 0.25 pts · high 15.00% / low 14.75% Oct 4, 202615.00%▲ from 14.75% Sep 14, 202614.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Visa Signature	-	15.50%
Details Published APR range: 15.50% to 18.00%. APR varies with the market based on the Prime Rate; Earn 1.50% monthly rebate on purchases; No annual fee, no balance transfer fee Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 15.25% → 15.50% ▲ 0.25 pts · high 15.50% / low 15.25% Oct 4, 202615.50%▲ from 15.25% Sep 14, 202615.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Premium Business Visa Signature	-	18.00%
Details APR varies with the market based on the Prime Rate; 2% monthly cashback on purchases; No foreign transaction fees, no balance transfer fee Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 18.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%

Sunward Credit Union Personal Loan Rates

Product	APR	Term
Signature Loan	10.00%	To 48 months
Details As Low As; Adjustable rate loan, subject to change; not everyone will qualify for lowest rate; all loans subject to credit approval Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 10.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Signature Line of Credit	10.50%	60 months
Details Term: 60 months from the last draw; As Low As; Adjustable rate loan, subject to change; borrow up to your approved credit limit; term based on amount financed; all loans subject to credit approval Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 10.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Signature Loan	10.50%	49-60 months
Details As Low As; Adjustable rate loan, subject to change; not everyone will qualify for lowest rate; all loans subject to credit approval Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 10.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Visa Signature Business	12.00%
Details APR varies with the market based on the Prime Rate; 1% year-end rebate on purchases; No annual fee, no balance transfer fee Last Updated 10/28/2026 Rate History 1 change since Sep 25, 2026 · 11.75% → 12.00% ▲ 0.25 pts · high 12.00% / low 11.75% Oct 4, 202612.00%▲ from 11.75% Sep 25, 202611.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Visa Signature	15.50%
Details Published APR range: 15.50% to 18.00%. APR varies with the market based on the Prime Rate; Earn 1.50% monthly rebate on purchases; No annual fee, no balance transfer fee Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 15.25% → 15.50% ▲ 0.25 pts · high 15.50% / low 15.25% Oct 4, 202615.50%▲ from 15.25% Sep 14, 202615.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Premium Business Visa Signature	18.00%
Details APR varies with the market based on the Prime Rate; 2% monthly cashback on purchases; No foreign transaction fees, no balance transfer fee Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 18.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%

Sunward Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
5/5 2 w/ 1 Loan	7.25%	-	7.496%	20 Years
Details As Low As; Maximum Combined LTV: 95%; Current Calculation of Rate Remaining Term: 7.000% Last Updated 10/28/2026 Rate History 1 change since Sep 17, 2026 · 6.70% → 7.50% ▲ 0.80 pts · high 7.50% / low 6.70% Oct 28, 20267.50%▲ from 6.70% Sep 17, 20266.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Non-Owner Occupied 5/5 Loan	6.75%	-	6.963%	30 year amortization
Details As Low As; Type: 1 Last Updated 10/28/2026 Rate History 1 change since Sep 17, 2026 · 6.17% → 6.96% ▲ 0.79 pts · high 6.96% / low 6.17% Oct 23, 20266.96%▲ from 6.17% Sep 17, 20266.17%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Vacant Land Loan	7.375%	-	7.629%	12 years
Details As Low As; Type: 1 Last Updated 10/28/2026 Rate History 2 changes since Sep 17, 2026 · 7.23% → 7.63% ▲ 0.40 pts · high 7.63% / low 7.23% Oct 2, 20267.63%▲ from 7.50% Sep 25, 20267.50%▲ from 7.23% Sep 17, 20267.23%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Business Money Maker Account	0.75%	-	0.75%
Min Balance $2,500 Details Balance: $2,500.00 - $24,999.99 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Business Money Maker Account	1.00%	-	1.01%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 1.01% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Business Money Maker Account	2.00%	-	2.02%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Business Money Maker Account	2.50%	-	2.53%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 2.53% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Business Money Maker Account	2.75%	-	2.79%
Min Balance $250,000 Details Balance: $250,000.00 and over Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 2.79% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Money Manager	0.05%	-	0.05%
Min Balance $500 Details Balance: $500 and over Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Sunward Credit Union’s Texas Ratio rose from 1.66% in Q3 2023 to 2.97% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$4.6B	2.97%	5.0	A+
March 31, 2026	$4.5B	2.68%	5.0	A+
December 31, 2025	$4.6B	3.43%	5.0	A+
September 30, 2025	$4.5B	3.78%	5.0	A+
June 30, 2025	$4.3B	3.28%	5.0	A+
March 31, 2025	$4.2B	2.86%	5.0	A+
December 31, 2024	$4.1B	2.68%	5.0	A+
September 30, 2024	$4.2B	2.44%	5.0	A+
June 30, 2024	$4.1B	1.99%	5.0	A+
March 31, 2024	$4.1B	1.51%	5.0	A+
December 31, 2023	$3.8B	1.94%	5.0	A+
September 30, 2023	$3.6B	1.66%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Sunward Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Sunward Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Sunward Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Sunward Credit Union

Website https://www.slfcu.org

Address 3707 Juan Tabo Blvd NE, Albuquerque, NM 87111

Phone 505-293-0500

Fax

President Kim Hedrich

CEO Steph Sherrodd

Full-Time Employees 593

Part-Time Employees 10

Branch Locations 15

ATM Locations 13

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.97%

Return on Assets (ROA)

0.1859%

Return on Equity (ROE)

2.0851%

Non-Performing Loans Ratio (NPL)

0.40%

Total Assets

4,597,205,998

Total Amount of Shares and Deposits

3,454,801,172

Total Shares and Deposits < 1 Year

3,034,160,883

Total Shares and Deposits 1 3 Years

388,953,874

Total Shares and Deposits > 3 Years

31,686,415

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

427,977,802

Total Uninsured Shares and Deposits > $250K (F+J)

427,977,802

Total Insured Shares and Deposits > $250K (item 17 less item K)

3,026,823,370

Total Interest Expense (Sum of items 6 8)

40,671,618

Share Certificates

18,068

Number of Accounts for Share Drafts

110,006

IRA KEOGH Accounts

3,984

Number of Accounts for Regular Shares

211,780

Non Member Deposits

Money Market Shares

31,540

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

30,668,395

Total Liabilities

4,286,804,318

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Sunward Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Sunward Credit Union

Does Sunward Credit Union offer CDs?

Yes. Sunward Credit Union current CD rates include its Term CDs - 24 month at 4.25% APY, its Term CDs - 12 month at 4.15% APY and its Term CDs - 9 month at 3.95% APY, verified by MonitorBankRates as of October 28, 2026.

Are CDs from Sunward Credit Union NCUA insured?

Yes. Sunward Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Sunward Credit Union?

The highest Sunward Credit Union CD rate is its Term CDs - 24 month at 4.25% APY, verified by MonitorBankRates as of October 28, 2026.

What CD terms does Sunward Credit Union offer?

Sunward Credit Union CD rates are 3.90% APY for a 6 month CD, 3.95% APY for a 9 month CD, 4.15% APY for a 12 month CD, 3.75% APY for a 16 month CD, 4.25% APY for a 2 year CD and 3.56% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Sunward Credit Union for its full lineup.

What is the highest savings rate at Sunward Credit Union?

The highest Sunward Credit Union savings rate is its Savings Accounts at 0.10% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest money market rate at Sunward Credit Union?

The highest Sunward Credit Union money market rate is its Power Money Market Account at 5.05% APY, verified by MonitorBankRates as of October 28, 2026.

What is the lowest 30 year fixed mortgage rate at Sunward Credit Union?

The lowest Sunward Credit Union 30 year fixed mortgage rate is its Fixed Rate Mortgage - 30 Year at 6.875%, verified by MonitorBankRates as of October 28, 2026. Sunward Credit Union mortgage rates are 6.875% for a 30 year mortgage, 6.75% for a 20 year mortgage, 6.375% for a 15 year mortgage and 6.375% for a 10 year mortgage.

What is the lowest auto loan rate at Sunward Credit Union?

The lowest Sunward Credit Union auto loan rate is its Auto Loan - New & Used Vehicle at 4.55% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest personal loan rate at Sunward Credit Union?

The lowest Sunward Credit Union personal loan rate is its Signature Loan at 10.00% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest credit card APR at Sunward Credit Union?

The lowest Sunward Credit Union credit card APR is its Visa Signature Business Credit Card at 12.00% APR, verified by MonitorBankRates as of October 28, 2026.

How many branches does Sunward Credit Union operate?

Sunward Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Sunward Credit Union?

Yes, to access services at Sunward Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Sunward Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Sunward Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Sunward Credit Union offer online and mobile banking?

Most modern institutions like Sunward Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.slfcu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Sunward Credit Union rates compare?

Sunward Credit Union's CD rates are 34% higher than the MonitorBankRates national average, and it has an A+ health rating. Sunward Credit Union's top rates are its Term CDs - 24 month at 4.25% APY, its Money Market Savings at 1.35% APY, its Power Money Market Account at 5.05% APY, its Checking Account Promotion at 10.00% APY, its 5/5 Adjustable Rate Mortgage at 6.25%, its Signature Loan at 10.00% APR and its Visa Signature Business Credit Card at 12.00% APR, verified by MonitorBankRates on October 28, 2026.

Current Sunward Credit Union Rates

12-Month CD4.15%
24-Month CD4.25%
60-Month CD3.56%
Savings1.35%
MMA5.05%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Sunward Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Sunward Credit Union Texas Ratio

Sunward Credit Union Health Trend

Sunward Credit Union CD Rates

Sunward Credit Union Business CD Rates

Sunward Credit Union Savings Rates

Sunward Credit Union Money Market Rates

Sunward Credit Union Checking Rates

Sunward Credit Union Mortgage Rates

Sunward Credit Union Home Equity & HELOC

Sunward Credit Union Auto Loan Rates

Sunward Credit Union RV, Boat and Powersport Loan Rates

Sunward Credit Union Credit Card Rates

Sunward Credit Union Personal Loan Rates

Sunward Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Sunward Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Sunward Credit Union

Does Sunward Credit Union offer CDs?

Are CDs from Sunward Credit Union NCUA insured?

What is the highest CD rate at Sunward Credit Union?

What CD terms does Sunward Credit Union offer?

What is the highest savings rate at Sunward Credit Union?

What is the highest money market rate at Sunward Credit Union?

What is the lowest 30 year fixed mortgage rate at Sunward Credit Union?

What is the lowest auto loan rate at Sunward Credit Union?

What is the lowest personal loan rate at Sunward Credit Union?

What is the lowest credit card APR at Sunward Credit Union?

How many branches does Sunward Credit Union operate?

Is a member application needed to join Sunward Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Sunward Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Sunward Credit Union rates compare?

Current Sunward Credit Union Rates

Compare to Other Credit Unions