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Sun Federal Credit Union

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Sun Federal Credit Union Rates & Review November 2026

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

Current rates for Sun Federal Credit Union include: 12-Month CD: 3.50%, 18-Month CD: 4.30%, 24-Month CD: 4.20%, 60-Month CD: 4.20%, Savings: 1.00%, MMA: 1.10%

Q: What CD terms does Sun Federal Credit Union offer?

Sun Federal Credit Union CD rates are 4.25% APY for a 12 month CD, 4.30% APY for an 18 month CD, 4.30% APY for a 2 year CD, 4.15% APY for a 4 year CD and 4.20% 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 Sun Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

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

Sun Federal Credit Union's Regular CD - 18-Month rates are at 4.30%, Regular CD - 24-Month rates are at 4.30%, Regular CD - 12-Month rates are at 4.25%, Regular CD - 60-Month rates are at 4.20%, Regular CD - 48-Month rates are at 4.15%. Sun Federal Credit Union's savings rates are at 1.00%. Sun Federal Credit Union's money market rates are at 1.10%. Sun Federal Credit Union's checking rates are as high as 4.00%. Sun Federal Credit Union's Adjustable-Rate Mortgage 3/1 (30-year term) rates are at 6.38%, Adjustable-Rate Mortgage 5/5 (15-year term) rates are at 6.38%, Adjustable-Rate Mortgage 5/5 (20-year term) rates are at 6.62%, Adjustable-Rate Mortgage 5/5 (30-year term) rates are at 6.88%, Fixed-Rate Mortgage - 15-Year rates are at 6.88%. Sun Federal Credit Union's Personal Loan Rates are as low as 10.00%. Sun Federal Credit Union's Credit Card Rates are at 10.99%. Sun Federal Credit Union's CD rates are 18% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Sun Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.81%. Rates last updated and verified on 10/28/2026.

Sun Federal 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 Sun Federal Credit Union? Share your experience about Sun Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Sun Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.81%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Sun Federal Credit Union
Support Center

1627 Holland Rd
Maumee, OH 43537

https://www.sunfederalcu.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.

Sun Federal Credit Union CD Rates

Product	Rate	APY	Term
IRA Certificate - 18-Month	4.22%	4.30%	18-Month
Min Deposit $500 Last Updated 10/28/2026 Rate History 2 changes since Sep 12, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90% Oct 15, 20264.30%▲ from 4.05% Sep 20, 20264.05%▲ from 3.90% Sep 12, 20263.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
IRA Certificate - 24-Month	4.22%	4.30%	24-Month
Min Deposit $500 Last Updated 10/28/2026 Rate History 2 changes since Sep 12, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90% Oct 15, 20264.30%▲ from 4.05% Sep 20, 20264.05%▲ from 3.90% Sep 12, 20263.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Regular Certificate - 18-Month	4.22%	4.30%	18-Month
Min Deposit $500 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Regular Certificate - 24-Month	4.22%	4.30%	24-Month
Min Deposit $500 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
30 Month Youth Certificates	4.17%	4.25%	30-Month
Details No Minimum w/ Add-On Last Updated 10/28/2026 Rate History 1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00% Oct 4, 20264.25%▲ from 4.00% Sep 18, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
IRA Certificate - 12-Month	4.17%	4.25%	12-Month
Min Deposit $500 Last Updated 10/28/2026 Rate History 2 changes since Sep 12, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85% Oct 15, 20264.25%▲ from 4.00% Sep 20, 20264.00%▲ from 3.85% Sep 12, 20263.85%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Regular Certificate - 12-Month	4.17%	4.25%	12-Month
Min Deposit $500 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Youth Certificates - 30-Month No Minimum w/ Add-On	4.17%	4.25%	30 months
Details Youth Add-On; 1 APY = Annual Percentage Yield; penalty may be imposed for early withdrawal Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 4.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
IRA Certificate - 24-Month Add-On	4.12%	4.20%	24-Month
Min Deposit $500 Details Add-On Last Updated 10/28/2026 Rate History 2 changes since Sep 12, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80% Oct 15, 20264.20%▲ from 3.95% Sep 20, 20263.95%▲ from 3.80% Sep 12, 20263.80%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
IRA Certificate - 60-Month	4.12%	4.20%	60-Month
Min Deposit $1,000 Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 4.05% → 4.20% ▲ 0.15 pts · high 4.20% / low 4.05% Sep 20, 20264.20%▲ from 4.05% Sep 12, 20264.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Regular Certificate - 24-Month Add-On	4.12%	4.20%	24-Month
Min Deposit $500 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Regular Certificate - 60-Month	4.12%	4.20%	60-Month
Min Deposit $1,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
IRA Certificate - 48-Month	4.07%	4.15%	48-Month
Min Deposit $1,000 Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00% Sep 20, 20264.15%▲ from 4.00% Sep 12, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
IRA Certificate - 54-Month	4.07%	4.15%	54-Month
Min Deposit $1,000 Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00% Sep 20, 20264.15%▲ from 4.00% Sep 12, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Regular Certificate - 48-Month	4.07%	4.15%	48-Month
Min Deposit $1,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Regular Certificate - 54-Month	4.07%	4.15%	54-Month
Min Deposit $1,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
IRA Certificate - 36-Month	4.02%	4.10%	36-Month
Min Deposit $1,000 Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 3.95% → 4.10% ▲ 0.15 pts · high 4.10% / low 3.95% Sep 20, 20264.10%▲ from 3.95% Sep 12, 20263.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Regular Certificate - 36-Month	4.02%	4.10%	36-Month
Min Deposit $1,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
IRA Certificate - 42-Month Add-On	3.88%	3.95%	42-Month
Min Deposit $1,000 Details Add-On Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 3.80% → 3.95% ▲ 0.15 pts · high 3.95% / low 3.80% Sep 20, 20263.95%▲ from 3.80% Sep 12, 20263.80%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
IRA Certificate - 12-Month FlexiRate Add-On	3.45%	3.50%	12-Month
Min Deposit $500 Details FlexiRate Add-On Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25% Oct 15, 20263.50%▲ from 3.25% Sep 12, 20263.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Regular Certificate - 12-Month FlexiRate Add-On	3.45%	3.50%	12-Month
Min Deposit $500 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
IRA Certificate - 6-Month	0.90%	0.90%	6-Month
Min Deposit $500 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Regular Certificate - 6-Month	0.90%	0.90%	6-Month
Min Deposit $500 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
IRA Certificate - 3-Month	0.75%	0.75%	3-Month
Min Deposit $500 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Regular Certificate - 3-Month	0.75%	0.75%	3-Month
Min Deposit $500 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%

Sun Federal Credit Union Savings Rates

Product	Rate	APY
Health Savings Account - MVP	1.00%	1.00%
Min Balance $10,000 Details Balance: $10,000.00 and above; Member Value Program (MVP) rate; requires savings, active checking (one transaction per month) and a qualifying third product Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Health Savings Accounts	1.00%	1.00%
Min Deposit $10,000 Details MVP; Balance: $10,000.00 and above Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Club Account	0.75%	0.75%
Min Balance $75,000 Details Balance: $75,000 and above; Minimum deposit to earn APY: $1,000.00 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Health Savings Account - MVP	0.75%	0.75%
Min Balance $5,000 Details Balance: $5,000.00 - $9999.99; Member Value Program (MVP) rate; requires savings, active checking (one transaction per month) and a qualifying third product Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Health Savings Accounts	0.75%	0.75%
Min Deposit $5,000 Details MVP; Balance: $5,000.00 - $9999.99 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 0.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Club Account	0.65%	0.65%
Min Balance $50,000 Details Balance: $50,000.00 - $74,999.99; Minimum deposit to earn APY: $1,000.00 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 0.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Club Account	0.60%	0.60%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Minimum deposit to earn APY: $1,000.00 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 0.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Health Savings Account - MVP	0.60%	0.60%
Min Balance $0 Details Balance: $0 - $4,999.99; Member Value Program (MVP) rate; requires savings, active checking (one transaction per month) and a qualifying third product Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Health Savings Accounts	0.60%	0.60%
Min Deposit $10,000 Details Balance: $10,000.00 and above Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 0.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Health Savings Accounts	0.60%	0.60%
Min Deposit $0 Details MVP; Balance: $0 - $4,999.99 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 0.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Club Account	0.55%	0.55%
Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99; Minimum deposit to earn APY: $1,000.00 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 0.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Health Savings Accounts	0.40%	0.40%
Min Deposit $5,000 Details Balance: $5,000.00 - $9999.99 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 0.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Health Savings Accounts	0.20%	0.20%
Min Deposit $0 Details Balance: $0 - $4,999.99 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 0.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
IRA Savings	0.05%	0.05%
No additional details. Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Savings	0.05%	0.05%
Min Deposit $5 Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%

Sun Federal Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Savings	0.05%	0.05%
No additional details. Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%

Sun Federal Credit Union Money Market Rates

Product	Rate	APY
Empower Money Market - MVP	1.10%	1.10%
Min Balance $200,000 Details MVP; Balance: $200,000.00 and above Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 1.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Amplify Money Market - MVP	1.00%	1.00%
Min Balance $150,000 Details MVP rate; Tier 4; Balance: $150,000.00 - $199,999.99 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Empower Money Market - MVP	1.00%	1.00%
Min Balance $150,000 Details MVP; Balance: $150,000.00 - $199,999.99 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Empower Money Market - MVP	0.95%	0.95%
Min Balance $100,000 Details MVP; Balance: $100,000.00 - $149,999.99 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.95% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Amplify Money Market - MVP	0.90%	0.90%
Min Balance $100,000 Details MVP rate; Tier 3; Balance: $100,000.00 - $149,999.99 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Empower Money Market - MVP	0.90%	0.90%
Min Balance $75,000 Details MVP; Balance: $75,000.00 - $99,999.99 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.90% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Amplify Money Market - MVP	0.85%	0.85%
Min Balance $75,000 Details MVP rate; Tier 2; Balance: $75,000.00 - $99,999.99 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Amplify Money Market - MVP	0.80%	0.80%
Min Balance $1,000 Details MVP rate; Tier 1; Balance: $1,000.00 - $74,999.99 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Empower Money Market	0.75%	0.75%
Min Balance $200,000 Details Balance: $200,000.00 and above Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Empower Money Market	0.70%	0.70%
Min Balance $150,000 Details Balance: $150,000.00 - $199,999.99 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.70% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Amplify Money Market	0.65%	0.65%
Min Balance $150,000 Details Tier 4; Balance: $150,000.00 - $199,999.99 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.65% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Empower Money Market	0.65%	0.65%
Min Balance $100,000 Details Balance: $100,000.00 - $149,999.99 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.65% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Amplify Money Market	0.60%	0.60%
Min Balance $100,000 Details Tier 3; Balance: $100,000.00 - $149,999.99 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.60% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Empower Money Market	0.60%	0.60%
Min Balance $75,000 Details Balance: $75,000.00 - $99,999.99 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.60% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Amplify Money Market	0.55%	0.55%
Min Balance $75,000 Details Tier 2; Balance: $75,000.00 - $99,999.99 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.55% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Amplify Money Market	0.50%	0.50%
Min Balance $1,000 Details Tier 1; Balance: $1,000.00 - $74,999.99 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Empower Money Market	0.05%	0.05%
Min Balance $1,000 Details Balance: $1,000.00 - $74,999.99 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%

Sun Federal Credit Union Checking Rates

Product	Rate	APY
Kasasa Cash Checking	3.93%	4.00%
Min Balance $0 Details Qualifying balance up to $14,999.99 Last Updated 10/28/2026 Rate History 1 change since Sep 18, 2026 · 3.93% → 4.00% ▲ 0.07 pts · high 4.00% / low 3.93% Sep 20, 20264.00%▲ from 3.93% Sep 18, 20263.93%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Solution 100 and 300 Checking	0.15%	0.15%
Min Balance $75,000 Details Non-active offer for existing Solution 100 and 300 account holders; Balance: $75,000 and above; Minimum deposit to earn APY: $10,000.00 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Solution 100 and 300 Checking	0.10%	0.10%
Min Balance $50,000 Details Non-active offer for existing Solution 100 and 300 account holders; Balance: $50,000.00 - $74,999.99; Minimum deposit to earn APY: $10,000.00 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Solution 100 and 300 Checking	0.05%	0.05%
Min Balance $10,000 Details Non-active offer for existing Solution 100 and 300 account holders; Balance: $10,000.00 - $24,999.99; Minimum deposit to earn APY: $10,000.00 Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%

Sun Federal Credit Union Business Checking Rates

Product	Rate	APY
Business Checking	0.75%	0.75%
Min Balance $75,000 Details Balance: $75,000 and above; Minimum deposit to earn APY: $1,000.00 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Premium Business Checking	0.75%	0.75%
Min Balance $75,000 Details Balance: $75,000 and above; Minimum deposit to earn APY: $5,000.00 Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Business Checking	0.65%	0.65%
Min Balance $50,000 Details Balance: $50,000.00 - $74,999.99; Minimum deposit to earn APY: $1,000.00 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.65% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Premium Business Checking	0.65%	0.65%
Min Balance $50,000 Details Balance: $50,000.00 - $74,999.99; Minimum deposit to earn APY: $5,000.00 Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 0.65% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Business Checking	0.60%	0.60%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Minimum deposit to earn APY: $1,000.00 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.60% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Premium Business Checking	0.60%	0.60%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Minimum deposit to earn APY: $5,000.00 Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 0.60% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Business Checking	0.55%	0.55%
Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99; Minimum deposit to earn APY: $1,000.00 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.55% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Premium Business Checking	0.55%	0.55%
Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99; Minimum deposit to earn APY: $5,000.00 Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 0.55% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%

Sun Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Adjustable-Rate Mortgage 3/1 (30-year term)	-	-	6.375%	30-year
Details As Low As Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.38% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Adjustable-Rate Mortgage 5/5 (15-year term)	-	-	6.375%	15-year
Details As Low As Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.38% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Adjustable-Rate Mortgage 5/5 (20-year term)	-	-	6.625%	20-year
Details As Low As Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.63% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Adjustable-Rate Mortgage 5/5 (30-year term)	-	-	6.875%	30-year
Details As Low As Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.88% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Fixed-Rate Mortgage - 15-Year	-	-	6.875%	15-Year
Details As Low As Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 6.88% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Fixed-Rate Mortgage - 20-Year	-	-	7.25%	20-Year
Details As Low As Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Investment Property Loans - 5-Year ARM, 15-Year Term, 15-Year Amortization	-	-	7.375%
Details As Low As; Investment property loan Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.38% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Fixed-Rate Mortgage - 30-Year	-	-	7.50%	30-Year
Details As Low As Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Investment Property Loans - 5-Year ARM, 15-Year Term, 20-Year Amortization	-	-	7.625%
Details As Low As; Investment property loan Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.63% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Investment Property Loans - 15-Year Fixed	-	-	7.875%
Details As Low As; Investment property loan Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.88% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Investment Property Loans - 5-Year ARM, 15-Year Term, 25-Year Amortization	-	-	7.875%
Details As Low As; Investment property loan Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.88% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Investment Property Loans - 15-Year Fixed, 25-Year Amortization (Balloon)	-	-	8.375%
Details As Low As; Investment property loan Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 8.38% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%

Sun Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan (1-14 year term)	-	-	7.75%	1-14 years
Details As Low As; Home Equity Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Home Equity Loan (15 year term)	-	-	7.875%	15 year
Details As Low As; Home Equity Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.88% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%

Sun Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Vehicle Loans - New (<10K miles)	-	-	5.74%	1-75 month term
Details As Low As; New (<10K miles) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 5.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Used Vehicle Loan	-	-	5.99%	1-75 month term
Details As Low As; Used (2021-2026) vehicle; Vehicle Loans Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 5.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
New Vehicle Loan (<10K miles)	-	-	6.24%	76 months
Details Term: 76-84 month term ($30K+); As Low As; New (<10K miles); Vehicle loan; Loan amount $30K+ Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Used (2020 & Older) Vehicle Loan	-	-	6.24%	1-51 month term
Details As Low As; Used (2020 & Older) vehicle loan Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Vehicle Loans - New (<10K miles)	-	-	6.24%	76-84 month term
Details As Low As; New (<10K miles); $30K+ loan amount Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Used Vehicle Loan	-	-	6.49%	76-84 month term
Details As Low As; Used (2021-2026) vehicle; Loan amount $30K+; Vehicle Loans Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Used (2020 & Older) Vehicle Loan	-	-	6.74%	52-60 month term
Details As Low As; Used (2020 & Older) vehicle loan; $30K+ loan amount Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
RV, Boats, Motor Homes, Travel Trailers, New & Used Titled Vehicles Loan	-	-	7.49%	1-75 Months
Details As Low As; New & Used; Term column: 1-75 Months Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 7.24% → 7.49% ▲ 0.25 pts · high 7.49% / low 7.24% Oct 23, 20267.49%▲ from 7.24% Sep 12, 20267.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
RV, Boats, Motor Homes, Travel Trailers, New & Used Titled Vehicles Loan	-	-	8.49%	76-144 Months
Details As Low As; New & Used; Loan amount: $30K+ Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 8.24% → 8.49% ▲ 0.25 pts · high 8.49% / low 8.24% Oct 23, 20268.49%▲ from 8.24% Sep 12, 20268.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%

Sun Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat & RV Loans	-	7.49%	1-75 Months
Details As Low As; New & Used Last Updated 10/28/2026 Rate History 1 change since Oct 12, 2026 · 7.24% → 7.49% ▲ 0.25 pts · high 7.49% / low 7.24% Oct 23, 20267.49%▲ from 7.24% Oct 12, 20267.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Boat & RV Loans	-	8.49%	76 months
Details Term: 76-144 Months ($30K+); As Low As; New & Used Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%

Sun Federal Credit Union Credit Card Rates

Product	Rate	APR
Rate Advantage Credit Card	-	10.99%
Details Published APR range: 10.99% - 18.00%. Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 10.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Cash Back Credit Card	-	12.99%
Details Published APR range: 12.99% - 18.00%. Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 12.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Luxury Credit Card	-	13.49%
Details Published APR range: 13.49% - 18.00%. Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 13.49% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%

Sun Federal Credit Union Personal Loan Rates

Product	APR	Term
Unsecured Loan	10.00%
Details As Low As Last Updated 10/28/2026 Rate History No change since Sep 20, 2026 · 10.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Personal Line of Credit	11.24%
Details As Low As Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 10.99% → 11.24% ▲ 0.25 pts · high 11.24% / low 10.99% Sep 18, 202611.24%▲ from 10.99% Sep 12, 202610.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Personal Loan - Up to 60 Months	11.49%	Up to 60 Months
Details As Low As Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 11.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Personal Loan - 61-72 Months	11.99%	61-72 months
Details As Low As Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 11.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%

Sun Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
12/20 Non-Rollover Note Loan	-	-	7.125%
Details As Low As; Non-Rollover Note Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 6.50% → 7.13% ▲ 0.63 pts · high 7.13% / low 6.50% Oct 12, 20267.13%▲ from 6.50% Sep 12, 20266.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
12/30 Non-Rollover Note Loan	-	-	7.375%
Details As Low As; Non-Rollover Note Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 6.75% → 7.38% ▲ 0.63 pts · high 7.38% / low 6.75% Oct 12, 20267.38%▲ from 6.75% Sep 12, 20266.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Interest-Only Line of Credit	-	-	7.25%
Details As Low As; Home Equity Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Professional Musician Instrument Loans - 1-5 Year Fixed	-	-	7.74%	1-5 years
Details As Low As; Loan Term APR Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 7.49% → 7.74% ▲ 0.25 pts · high 7.74% / low 7.49% Oct 23, 20267.74%▲ from 7.49% Oct 15, 20267.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Professional Musician Instrument Loans - 11-12 Year Fixed	-	-	8.24%	11-12 years
Details As Low As; Loan Term APR Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 7.99% → 8.24% ▲ 0.25 pts · high 8.24% / low 7.99% Oct 23, 20268.24%▲ from 7.99% Oct 15, 20267.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Professional Musician Instrument Loans - 12/20 Non-Rollover Note	-	-	8.49%	12 months
Details Term: 12/20 Non-Rollover Note; As Low As; Loan Term APR Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 8.24% → 8.49% ▲ 0.25 pts · high 8.49% / low 8.24% Oct 23, 20268.49%▲ from 8.24% Oct 15, 20268.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Professional Musician Instrument Loans - 12/25 Non-Rollover Note	-	-	8.615%	12 months
Details Term: 12/25 Non-Rollover Note; As Low As; Loan Term APR Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 8.37% → 8.62% ▲ 0.25 pts · high 8.62% / low 8.37% Oct 23, 20268.62%▲ from 8.37% Oct 15, 20268.37%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Professional Musician Instrument Loans - 12/30 Non-Rollover Note	-	-	8.74%	12 months
Details Term: 12/30 Non-Rollover Note; As Low As; Loan Term APR Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 8.49% → 8.74% ▲ 0.25 pts · high 8.74% / low 8.49% Oct 23, 20268.74%▲ from 8.49% Oct 15, 20268.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Professional Musician Instrument Loans - 6-10 Year Fixed	-	-	7.99%	6-10 years
Details As Low As; Loan Term APR Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 7.74% → 7.99% ▲ 0.25 pts · high 7.99% / low 7.74% Oct 23, 20267.99%▲ from 7.74% Oct 15, 20267.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Kasasa Saver Savings	3.445%	-	3.50%
Min Balance $0 Details Balance: $0 - $75,000.00; Qualifying balance up to $75,000.00 Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Round 'n Save	0.05%	-	0.05%
Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%

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

Sun Federal Credit Union’s Texas Ratio rose from 5.22% in Q3 2023 to 6.81% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$676M	6.81%	5.0	A
March 31, 2026	$671M	6.05%	5.0	A
December 31, 2025	$678M	8.76%	5.0	A
September 30, 2025	$670M	8.76%	5.0	A
June 30, 2025	$672M	7.09%	5.0	A
March 31, 2025	$664M	4.01%	5.0	A+
December 31, 2024	$668M	7.04%	5.0	A
September 30, 2024	$657M	5.27%	5.0	A+
June 30, 2024	$647M	5.34%	5.0	A+
March 31, 2024	$674M	3.97%	5.0	A+
December 31, 2023	$659M	6.47%	5.0	A
September 30, 2023	$652M	5.22%	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 Sun Federal 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 Sun Federal 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 Sun Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Sun Federal Credit Union

Website https://www.sunfederalcu.org

Address 1627 Holland Rd, Maumee, OH 43537

Phone 419-893-2170

Fax 419-893-4809

President Christy Gordon

CEO Brian Kelbley

Full-Time Employees 141

Part-Time Employees 0

Branch Locations 12

ATM Locations 11

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.81%

Return on Assets (ROA)

0.3367%

Return on Equity (ROE)

3.1051%

Non-Performing Loans Ratio (NPL)

1.02%

Total Assets

675,917,139

Total Amount of Shares and Deposits

601,085,572

Total Shares and Deposits < 1 Year

530,656,539

Total Shares and Deposits 1 3 Years

44,479,882

Total Shares and Deposits > 3 Years

25,949,149

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

48,440,973

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

52,096,767

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

548,988,805

Total Interest Expense (Sum of items 6 8)

4,683,861

Share Certificates

6,049

Number of Accounts for Share Drafts

24,812

IRA KEOGH Accounts

1,450

Number of Accounts for Regular Shares

46,323

All other shares

1,084

Non Member Deposits

Money Market Shares

2,297

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)

25,958,987

Total Liabilities

614,491,864

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Sun Federal 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.

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

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Sun Federal Credit Union

Does Sun Federal Credit Union offer CDs?

Yes. Sun Federal Credit Union current CD rates include its Regular CD - 18-Month at 4.30% APY, its Regular CD - 24-Month at 4.30% APY and its Regular CD - 12-Month at 4.25% APY, verified by MonitorBankRates as of October 28, 2026.

Are CDs from Sun Federal Credit Union NCUA insured?

Yes. Sun Federal 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 Sun Federal Credit Union?

The highest Sun Federal Credit Union CD rate is its IRA CD - 18-Month at 4.30% APY, verified by MonitorBankRates as of October 28, 2026.

What CD terms does Sun Federal Credit Union offer?

Sun Federal Credit Union CD rates are 4.25% APY for a 12 month CD, 4.30% APY for an 18 month CD, 4.30% APY for a 2 year CD, 4.15% APY for a 4 year CD and 4.20% 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 Sun Federal Credit Union for its full lineup.

What is the highest savings rate at Sun Federal Credit Union?

The highest Sun Federal Credit Union savings rate is its Health Savings Account - MVP at 1.00% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest money market rate at Sun Federal Credit Union?

The highest Sun Federal Credit Union money market rate is its Empower Money Market - MVP at 1.10% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest checking rate at Sun Federal Credit Union?

The highest Sun Federal Credit Union checking rate is its Kasasa Cash Checking at 4.00% APY, verified by MonitorBankRates as of October 28, 2026.

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

The lowest Sun Federal Credit Union 30 year fixed mortgage rate is its Fixed-Rate Mortgage - 30-Year at 7.50% APR, verified by MonitorBankRates as of October 28, 2026. Sun Federal Credit Union mortgage rates are 6.375% APR for a 30 year mortgage, 6.625% APR for a 20 year mortgage, 6.375% APR for a 15 year mortgage and 7.375% APR for a 5 year mortgage.

What is the lowest auto loan rate at Sun Federal Credit Union?

The lowest Sun Federal Credit Union auto loan rate is its Vehicle Loans - New (<10K miles) at 5.74% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest personal loan rate at Sun Federal Credit Union?

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

What is the lowest credit card APR at Sun Federal Credit Union?

The lowest Sun Federal Credit Union credit card APR is its Rate Advantage Credit Card at 10.99% APR, verified by MonitorBankRates as of October 28, 2026.

How many branches does Sun Federal Credit Union operate?

Sun Federal 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 Sun Federal Credit Union?

Yes, to access services at Sun Federal 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, Sun Federal 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, Sun Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Sun Federal Credit Union offer online and mobile banking?

Most modern institutions like Sun Federal 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.sunfederalcu.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 Sun Federal Credit Union rates compare?

Sun Federal Credit Union's CD rates are 18% higher than the MonitorBankRates national average, and it has an A health rating. Sun Federal Credit Union's top rates are its IRA CD - 18-Month at 4.30% APY, its Health Savings Account - MVP at 1.00% APY, its Empower Money Market - MVP at 1.10% APY, its Kasasa Cash Checking at 4.00% APY, its Adjustable-Rate Mortgage 3/1 (30-year term) at 6.375%, its Unsecured Loan at 10.00% APR and its Rate Advantage Credit Card at 10.99% APR, verified by MonitorBankRates on October 28, 2026.

Current Sun Federal Credit Union Rates

12-Month CD3.50%
18-Month CD4.30%
24-Month CD4.20%
60-Month CD4.20%
Savings1.00%
MMA1.10%

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

Compare to Other Credit Unions

Sun Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Sun Federal Credit Union Texas Ratio

Sun Federal Credit Union Health Trend

Sun Federal Credit Union CD Rates

Sun Federal Credit Union Savings Rates

Sun Federal Credit Union Business Savings Rates

Sun Federal Credit Union Money Market Rates

Sun Federal Credit Union Checking Rates

Sun Federal Credit Union Business Checking Rates

Sun Federal Credit Union Mortgage Rates

Sun Federal Credit Union Home Equity & HELOC

Sun Federal Credit Union Auto Loan Rates

Sun Federal Credit Union RV, Boat and Powersport Loan Rates

Sun Federal Credit Union Credit Card Rates

Sun Federal Credit Union Personal Loan Rates

Sun Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Sun Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Sun Federal Credit Union

Does Sun Federal Credit Union offer CDs?

Are CDs from Sun Federal Credit Union NCUA insured?

What is the highest CD rate at Sun Federal Credit Union?

What CD terms does Sun Federal Credit Union offer?

What is the highest savings rate at Sun Federal Credit Union?

What is the highest money market rate at Sun Federal Credit Union?

What is the highest checking rate at Sun Federal Credit Union?

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

What is the lowest auto loan rate at Sun Federal Credit Union?

What is the lowest personal loan rate at Sun Federal Credit Union?

What is the lowest credit card APR at Sun Federal Credit Union?

How many branches does Sun Federal Credit Union operate?

Is a member application needed to join Sun Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Sun Federal 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 Sun Federal Credit Union rates compare?

Current Sun Federal Credit Union Rates

Compare to Other Credit Unions