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Sunmark Credit Union

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Sunmark Credit Union Rates & Review November 2026

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

Current rates for Sunmark Credit Union include: 12-Month CD: 3.50%, 18-Month CD: 3.25%, 24-Month CD: 3.50%, 60-Month CD: 2.50%, Savings: 1.50%, MMA: 3.25%

Q: What CD terms does Sunmark Credit Union offer?

Sunmark Credit Union CD rates are 4.25% APY for a 6 month CD, 3.50% APY for a 12 month CD, 3.25% APY for an 18 month CD, 3.50% APY for a 2 year CD and 2.50% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Sunmark Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Sunmark Credit Union's 6 Month CD rates are at 4.25%, 6 Month Commercial CD rates are at 4.25%, 6 Month Regular CD rates are at 4.25%, 1 Year Commercial CD rates are at 3.50%, 1 Year Regular CD rates are at 3.50%. Sunmark Credit Union's savings rates are at 1.50%. Sunmark Credit Union's money market rates are at 3.25%. Sunmark Credit Union's checking rates are as high as 6.00%. Sunmark Credit Union's Conventional 5/1 ARM rates are at 6.25%, Conventional 5/5 ARM rates are at 6.38%, Conventional 30-Year Fixed rates are at 6.75%, 20-Year Fixed Rate Mortgage rates are at 6.92%, Conventional 20-Year Fixed rates are at 6.75%. Sunmark Credit Union's Personal Loan Rates are as low as 7.00%. Sunmark Credit Union's Credit Card Rates are at 11.49%. Sunmark Credit Union's CD rates are 10% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Sunmark Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.47%. Rates last updated and verified on 10/30/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.47%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Sunmark Credit Union
Sunmark Credit Union - Headquarters

1187 Troy Schenectady Rd
Latham, NY 12110-1086

https://sunmark.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.

Sunmark Credit Union CD Rates

Product	Rate	APY	Term
6 Month Certificate	-	4.25%	6 Month
Min Deposit $500 Min Balance $500 Details 4.25% APY based on 6 month certificate; must maintain $500 minimum balance to earn advertised rate; additional deposits not allowed; certificate auto-renews at maturity; rate accurate as of August 3, 2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
6 Month Regular Share Certificate	4.17%	4.25%	6 Months
Min Deposit $500 Min Balance $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 4.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
1 Year IRA Share Certificate	3.45%	3.50%	1 Year
Min Deposit $500 Min Balance $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
1 Year Regular Share Certificate	3.45%	3.50%	1 Year
Min Deposit $500 Min Balance $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
2 Year IRA Share Certificate	3.45%	3.50%	2 Years
Min Deposit $500 Min Balance $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
2 Year Regular Share Certificate	3.45%	3.50%	2 Years
Min Deposit $500 Min Balance $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
18 Month IRA Share Certificate	3.20%	3.25%	18 months
Min Deposit $500 Min Balance $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
18 Month Regular Share Certificate	3.20%	3.25%	18 months
Min Deposit $500 Min Balance $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
9 Month IRA Share Certificate	2.96%	3.00%	9 Months
Min Deposit $500 Min Balance $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
9 Month Regular Share Certificate	2.96%	3.00%	9 Months
Min Deposit $500 Min Balance $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
3 Month Regular Share Certificate	2.47%	2.50%	3 months
Min Balance $500 Details No Additional Deposits Permitted Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
3 Year IRA Share Certificate	2.47%	2.50%	3 Years
Min Deposit $500 Min Balance $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
3 Year Regular Share Certificate	2.47%	2.50%	3 Years
Min Deposit $500 Min Balance $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
4 Year IRA Share Certificate	2.47%	2.50%	4 Years
Min Deposit $500 Min Balance $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
4 Year Regular Share Certificate	2.47%	2.50%	4 Years
Min Deposit $500 Min Balance $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
5 Year IRA Share Certificate	2.47%	2.50%	5 Years
Min Deposit $500 Min Balance $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
5 Year Regular Share Certificate	2.47%	2.50%	5 Years
Min Deposit $500 Min Balance $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
90 Day Regular Share Certificate	2.47%	2.50%	90 Days
Min Deposit $500 Min Balance $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Regular Share Certificate 4 Years	2.47%	2.50%	4 Years
Min Deposit $500 Min Balance $500 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%

Sunmark Credit Union Business CD Rates

Product	Rate	APY	Term
6 Month Commercial Share Certificate	4.17%	4.25%	6 months
Min Deposit $500 Details No Additional Deposits Permitted Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 4.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
1 Year Commercial Share Certificate	3.45%	3.50%	1 year
Min Deposit $500 Details No Additional Deposits Permitted Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
2 Year Commercial Share Certificate	3.45%	3.50%	2 years
Min Deposit $500 Details No Additional Deposits Permitted Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
18 Month Commercial Share Certificate	3.20%	3.25%	18 months
Min Deposit $500 Details No Additional Deposits Permitted Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
9 Month Commercial Share Certificate	2.96%	3.00%	9 Months
Min Deposit $500 Details No Additional Deposits Permitted Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
3 Month Commercial Share Certificate	2.47%	2.50%	3 months
Min Deposit $500 Details No Additional Deposits Permitted Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
3 Year Commercial Share Certificate	2.47%	2.50%	3 years
Min Deposit $500 Details No Additional Deposits Permitted Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
4 Year Commercial Share Certificate	2.47%	2.50%	4 years
Min Deposit $500 Details No Additional Deposits Permitted Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
5 Year Commercial Share Certificate	2.47%	2.50%	5 years
Min Deposit $500 Details No Additional Deposits Permitted Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%

Sunmark Credit Union Savings Rates

Product	Rate	APY
Health Savings Account	1.49%	1.50%
Min Deposit $1 Min Balance $0 Details Minimum balance to earn dividend: $0.01 and above Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Regular IRA Share Savings	0.45%	0.45%
Min Deposit $1 Min Balance $40,000 Details Balance: $40,000 and above Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Regular IRA Share Savings	0.20%	0.20%
Min Deposit $1 Min Balance $10,000 Details Balance: $10,000 - $39,999 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Youth Savings	0.20%	0.20%
Min Deposit $1 Min Balance $0 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Holiday Savings Plan	0.10%	0.10%
Min Deposit $1 Min Balance $0 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Regular IRA Share Savings	0.10%	0.10%
Min Deposit $1 Min Balance $0 Details Balance: $0.01 - $9,999 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Special Event Savings Plan	0.10%	0.10%
Min Deposit $1 Min Balance $0 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Membership Savings Plan	0.05%	0.05%
Min Deposit $1 Min Balance $0 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Silver Savings Plan	0.05%	0.05%
Min Deposit $1 Min Balance $0 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%

Sunmark Credit Union Business Savings Rates

Product	Rate	APY	View More
Commercial Savings Plan	0.10%	0.10%
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%

Sunmark Credit Union Money Market Rates

Product	Rate	APY
Signature Money Market	3.21%	3.25%
Min Deposit $500 Min Balance $200,000 Details Balance: $200,000 and over; Requires Sunmark Signature checking account Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Signature Money Market	2.96%	3.00%
Min Deposit $500 Min Balance $150,000 Details Balance: $150,000 - $199,999.99; Requires Sunmark Signature checking account Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Signature Money Market	2.72%	2.75%
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 - $149,999.99; Requires Sunmark Signature checking account Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Signature Money Market	2.48%	2.50%
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Requires Sunmark Signature checking account Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Money Market Account	1.25%	1.25%
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and above Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Money Market Account	1.00%	1.00%
Min Deposit $500 Min Balance $40,000 Details Balance: $40,000 - $99,999 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Money Market Account	0.75%	0.75%
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000 - $39,999 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Money Market Account	0.50%	0.50%
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Money Market Account	0.20%	0.20%
Min Deposit $500 Min Balance $500 Details Balance: $500 - $9,999 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%

Sunmark Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	2.72%	2.75%
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Business Money Market	1.49%	1.50%
Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Business Money Market	0.50%	0.50%
Min Balance $500 Details Balance: $500.00- $24,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%

Sunmark Credit Union Checking Rates

Product	Rate	APY
Kasasa Cash Checking	5.84%	6.00%
Min Deposit $20 Min Balance $0 Details Balance: up to $15,000 Last Updated 10/30/2026 Rate History No change since Oct 1, 2026 · 6.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Signature Checking	1.00%	1.00%
Min Deposit $20 Min Balance $1,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Sunmark Signature Checking	-	1.00%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 and over; Minimum balance to open account is $1,000.00; $25.00 fee applies if average daily balance falls below $1,000; Must maintain daily balance of $1,000 to earn APY; Free Sunmark Signature checks & cashier checks; No domestic wire transfer fees; No Sunmark ATM/POS pin transaction fee; No monthly maintenance fees Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Kasasa Cash Checking	0.25%	0.25%
Min Deposit $20 Min Balance $15,000 Details Balance: portion of balance over $15,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%

Sunmark Credit Union Business Checking Rates

Product	Rate	APY
Business Earnings Checking	0.10%	0.10%
Min Balance $7,500 Details Balance: $7,500.00 and over Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Business Earnings Checking	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500.00 - $7,499.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Business Basic Checking	0.00%	0.00%
Min Deposit $20 Last Updated 10/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Business Earnings Checking	0.00%	0.00%
Details Balance: up to $2,499.99 Last Updated 10/30/2026 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: 10.47%

Sunmark Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Conventional 5/1 ARM	6.25%	0	6.789%
Details Payment per $1,000: $6.16; 6.25% simple interest rate, 6.789% APR good for 5 years; rate caps after year 5 per footnote Last Updated 10/30/2026 Rate History 7 changes since Sep 14, 2026 · 6.41% → 6.79% ▲ 0.38 pts · high 7.16% / low 6.41% Oct 30, 20266.79%▼ from 6.91% Oct 26, 20266.91%▲ from 6.79% Oct 19, 20266.79%▼ from 7.04% Oct 14, 20267.04%▼ from 7.16% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Conventional 5/5 ARM	6.375%	0	6.872%
Details Payment per $1,000: $6.24 Last Updated 10/30/2026 Rate History 7 changes since Sep 14, 2026 · 6.50% → 6.87% ▲ 0.38 pts · high 7.25% / low 6.50% Oct 30, 20266.87%▼ from 7.00% Oct 26, 20267.00%▲ from 6.87% Oct 19, 20266.87%▼ from 7.12% Oct 14, 20267.12%▼ from 7.25% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Conventional 30-Year Fixed	6.75%	0	6.884%	30 years
Details Payment per $1,000: $6.49; based on $200,000 loan, $334,000 primary residence, rate/term refinance, 60-day rate lock, includes tax and homeowner's insurance escrows, 780+ credit score Last Updated 10/30/2026 Rate History 1 change since Oct 26, 2026 · 7.01% → 6.88% ▼ 0.13 pts · high 7.01% / low 6.88% Oct 30, 20266.88%▼ from 7.01% Oct 26, 20267.01%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
20-Year Fixed Rate Mortgage	-	-	6.921%	20-Year
Details Interest rate not published; APR shown on page Last Updated 10/30/2026 Rate History 6 changes since Sep 14, 2026 · 6.67% → 6.92% ▲ 0.25 pts · high 7.55% / low 6.67% Oct 30, 20266.92%▼ from 7.05% Oct 19, 20267.05%▼ from 7.42% Oct 10, 20267.42%▼ from 7.55% Oct 1, 20267.55%▲ from 7.30% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Conventional 20-Year Fixed	6.75%	0	6.921%	20 years
Details Payment per $1,000: $7.60; based on $200,000 loan, $334,000 primary residence, rate/term refinance, 60-day rate lock, includes tax and homeowner's insurance escrows, 780+ credit score Last Updated 10/30/2026 Rate History 1 change since Oct 26, 2026 · 7.05% → 6.92% ▼ 0.13 pts · high 7.05% / low 6.92% Oct 30, 20266.92%▼ from 7.05% Oct 26, 20267.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
15-Year Fixed Rate Mortgage	-	-	6.967%	15-Year
Details Interest rate not published; APR shown on page Last Updated 10/30/2026 Rate History 5 changes since Sep 14, 2026 · 6.47% → 6.97% ▲ 0.50 pts · high 7.22% / low 6.47% Oct 19, 20266.97%▼ from 7.09% Oct 10, 20267.09%▼ from 7.22% Oct 1, 20267.22%▲ from 7.09% Sep 27, 20267.09%▲ from 6.84% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Conventional 15 Year Fixed	6.75%	0	6.967%	15 years
Details Payment per $1,000: $8.85; based on $200,000 loan, $334,000 primary residence, rate/term refinance, 60-day rate lock, includes tax and homeowner's insurance escrows, 780+ credit score Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 6.97% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Construction Draw Loan - 30 Year Fixed	7.00%	0	7.114%	30 years
Details Payment per $1,000: $6.65 Last Updated 10/30/2026 Rate History 1 change since Oct 26, 2026 · 7.24% → 7.11% ▼ 0.13 pts · high 7.24% / low 7.11% Oct 30, 20267.11%▼ from 7.24% Oct 26, 20267.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
USDA 30 Year Fixed	6.875%	0	7.178%	30 years
Details Payment per $1,000: $6.57 Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 7.18% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
FHA 30 Year Fixed	6.875%	0	7.445%	30 years
Details Payment per $1,000: $6.57 Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 7.45% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
VA 30 Year Fixed	7.00%	0	7.66%	30 years
Details Payment per $1,000: $6.65 Last Updated 10/30/2026 Rate History 1 change since Oct 26, 2026 · 7.79% → 7.66% ▼ 0.13 pts · high 7.79% / low 7.66% Oct 30, 20267.66%▼ from 7.79% Oct 26, 20267.79%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%

Sunmark Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan - First Lien	-	-	6.60%	Up to 20 Years
Details Maximum Amount: Less than or equal to 85% of property value; Minimum $2,000; First Lien Position Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.60% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Home Equity Loan - Second Lien	-	-	7.10%	Up to 20 Years
Details Maximum Amount: Less than or equal to 85% of property value; Minimum $2,000; Second Lien Position Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.10% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%

Sunmark Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Car and Motorcycle Loan	-	-	3.74%	24 month
Details Model Years 2022-2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Car and Motorcycle Loan	-	-	3.74%	36 month
Details Model Years 2022-2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Car and Motorcycle Loan	-	-	3.74%	48 month
Details Model Years 2022-2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Car and Motorcycle Loan	-	-	3.74%	60 month
Details Model Years 2022-2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Car and Motorcycle Loan	-	-	3.99%	72 month
Details Model Years 2022-2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Car and Motorcycle Loan	-	-	5.49%	24 month
Details Model Years 2017-2021 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Car and Motorcycle Loan	-	-	5.49%	36 month
Details Model Years 2017-2021 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Car and Motorcycle Loan	-	-	5.49%	48 month
Details Model Years 2017-2021 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Car and Motorcycle Loan	-	-	5.49%	84 month
Details Model Years 2022-2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Car and Motorcycle Loan	-	-	5.99%	60 month
Details Model Years 2017-2021 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Car and Motorcycle Loan	-	-	6.74%	72 month
Details Model Years 2017-2021 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Car and Motorcycle Loan	-	-	9.49%	24 month
Details Model Years 2016-2006 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 9.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Car and Motorcycle Loan	-	-	9.74%	36 month
Details Model Years 2016-2006 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 9.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Car and Motorcycle Loan	-	-	9.99%	48 month
Details Model Years 2016-2006 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 9.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%

Sunmark Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New & Used ATV, Snowmobiles, Boats, Motor Homes, Travel Trailers - 24 month Loan	-	8.24%	24 month
Details APR for Model Years 2026 and Older; Rate applies to highly-qualified applicants; includes 0.25% discount with automatic payment from a Sunmark checking account and monthly direct deposit of at least $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 8.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
New & Used ATV, Snowmobiles, Boats, Motor Homes, Travel Trailers - 36 month Loan	-	8.24%	36 month
Details APR for Model Years 2026 and Older; Rate applies to highly-qualified applicants; includes 0.25% discount with automatic payment from a Sunmark checking account and monthly direct deposit of at least $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 8.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
New & Used ATV, Snowmobiles, Boats, Motor Homes, Travel Trailers - 48 month Loan	-	8.49%	48 month
Details APR for Model Years 2026 and Older; Rate applies to highly-qualified applicants; includes 0.25% discount with automatic payment from a Sunmark checking account and monthly direct deposit of at least $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 8.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
New & Used ATV, Snowmobiles, Boats, Motor Homes, Travel Trailers - 60 month Loan	-	8.74%	60 month
Details APR for Model Years 2026 and Older; Rate applies to highly-qualified applicants; includes 0.25% discount with automatic payment from a Sunmark checking account and monthly direct deposit of at least $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 8.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
New & Used ATV, Snowmobiles, Boats, Motor Homes, Travel Trailers - 72 month Loan	-	9.24%	72 month
Details APR for Model Years 2026 and Older; Rate applies to highly-qualified applicants; includes 0.25% discount with automatic payment from a Sunmark checking account and monthly direct deposit of at least $500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 9.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
New & Used ATV, Snowmobiles, Boats, Motor Homes, Travel Trailers - 73-144 month Loan	-	10.24%	73-144 months
Details APR for Model Years 2026 and Older; Rate applies to highly-qualified applicants; includes 0.25% discount with automatic payment from a Sunmark checking account and monthly direct deposit of at least $500 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 10.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%

Sunmark Credit Union Credit Card Rates

Product	Rate	APR
Platinum Credit Card	-	11.49%
Details APR range: 11.49 - 20.49% APR; Maximum Amount: $35,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 11.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Platinum Rewards Credit Card	-	13.49%
Details APR range: 13.49 - 22.49% APR; Maximum Amount: $35,000; Remarks: $500 minimum to open Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 13.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Signature Credit Card	-	13.49%
Details APR range: 13.49 - 20.49% APR; Maximum Amount: $35,000; $5,000 minimum to open Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 13.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
VISA Platinum Rewards Card	-	13.49%
Details APR range 13.49% - 22.49%; 1 point earned for every $1 spent; No annual fee; 7,500 bonus points if $1,000 is spent in the first 3 months; $500 minimum credit limit Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 13.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%

Sunmark Credit Union Personal Loan Rates

Product	APR	Term
Solar Improvement Loan	7.00%	5 years
Details Maximum Amount: 100% of solar installation cost; $25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Solar Loan	7.00%	5 years
Details Maximum Amount: 100% of solar installation cost; Remarks: $25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Solar Improvement Loan	7.50%	10 years
Details Maximum Amount: 100% of solar installation cost; $25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Solar Improvement Loan	7.75%	15 years
Details Maximum Amount: 100% of solar installation cost; $25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Home Improvement & Solar Loans	9.99%	Up to 10 years
Details Maximum Amount: 100% of home improvement cost; $10,000 maximum; credit 660 and higher Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 9.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Home Improvement & Solar Loans	9.99%	Up to 15 years
Details Maximum Amount: 100% of home improvement cost; Remarks: $10,001 minimum; $25,000 maximum; credit 680 and higher Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 9.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Personal Loan	11.74%	up to 60 Months
Details Maximum Amount: $25,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 11.74% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Signature Credit Card	13.49%	Revolving
Details APR range: 13.49 - 20.49% APR; Maximum Amount: $35,000; $5,000 minimum to open Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 13.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Personal Line of Credit	14.49%	Revolving
Details As Low As; Maximum Amount: $25,000; Remarks: $1,000 minimum to open Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 14.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%

Sunmark Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
2nd Home 30 Year Fixed	7.50%	0	7.764%	30 years
Details Payment per $1,000: $6.99; based on $200,000 loan, $334,000 second home, 60-day rate lock, includes tax and homeowner's insurance escrows, 780+ credit score Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 7.76% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Home Improvement Loan	-	-	9.99%	Up to 10 years
Details Maximum Amount: 100% of home improvement cost; $10,000 maximum; credit 660 and higher Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Home Improvement Loan	-	-	9.99%	Up to 15 years
Details Maximum Amount: 100% of home improvement cost; $10,001 minimum; $25,000 maximum; credit 680 and higher Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 9.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Kasasa Saver Account Savings	-	-	3.00%
Min Deposit $1 Details Up to 3.00% APY when linked to Kasasa Cash checking; no maintenance fees Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Kasasa Saver Savings	2.96%	-	3.00%
Min Deposit $1 Min Balance $0 Details Tier 1 up to $75,000 when linked to Kasasa Cash Checking Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Kasasa Saver Tier 1 Savings	2.96%	-	3.00%
Min Deposit $1 Min Balance $0 Details Balance: up to $75,000; linked to Kasasa Cash Checking Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Kasasa Saver Tier 2 Savings	0.25%	-	0.25%
Min Deposit $1 Min Balance $75,000 Details Balance: portion of balance over $75,000; linked to Kasasa Cash Checking Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Regular Share Certificate 6 Months	4.17%	-	4.25%	6 Months
Min Deposit $500 Min Balance $500 Details Certificates Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%

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

Sunmark Credit Union’s Texas Ratio rose from 5.83% in Q3 2023 to 10.47% 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	$1.2B	10.47%	5.0	A
March 31, 2026	$1.2B	11.04%	5.0	A
December 31, 2025	$1.2B	12.52%	5.0	A
September 30, 2025	$1.2B	10.99%	5.0	A
June 30, 2025	$1.2B	7.72%	5.0	A
March 31, 2025	$1.2B	7.69%	5.0	A
December 31, 2024	$1.1B	9.46%	5.0	A
September 30, 2024	$1.1B	8.91%	5.0	A
June 30, 2024	$1.2B	8.12%	5.0	A
March 31, 2024	$1.2B	14.22%	5.0	A-
December 31, 2023	$1.2B	15.19%	5.0	A-
September 30, 2023	$1.2B	5.83%	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 Sunmark 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 Sunmark 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 Sunmark Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Sunmark Credit Union

Website https://sunmark.org

Address 1187 Troy Schenectady Rd, Latham, NY 12110-1086

Phone 866-786-6275

Fax

President Ed Aidala

CEO Jerilee Beaudoin

Full-Time Employees 258

Part-Time Employees 21

Branch Locations 16

ATM Locations 15

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

10.47%

Return on Assets (ROA)

0.4054%

Return on Equity (ROE)

4.3343%

Non-Performing Loans Ratio (NPL)

1.37%

Total Assets

1,209,610,768

Total Amount of Shares and Deposits

1,092,113,376

Total Shares and Deposits < 1 Year

1,055,094,590

Total Shares and Deposits 1 3 Years

31,737,898

Total Shares and Deposits > 3 Years

5,280,887

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

50,468,793

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

50,468,793

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

1,041,644,583

Total Interest Expense (Sum of items 6 8)

7,437,805

Share Certificates

8,003

Number of Accounts for Share Drafts

52,767

IRA KEOGH Accounts

1,098

Number of Accounts for Regular Shares

86,822

All other shares

162

Money Market Shares

4,288

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)

82,487,626

Total Liabilities

1,103,022,698

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Sunmark 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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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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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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Average Rating

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Total Reviews

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Frequently Asked Questions About Sunmark Credit Union

Does Sunmark Credit Union offer CDs?

Yes. Sunmark Credit Union current CD rates include its 6 Month CD at 4.25% APY, its 6 Month Commercial CD at 4.25% APY and its 6 Month Regular CD at 4.25% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Sunmark Credit Union NCUA insured?

Yes. Sunmark 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 Sunmark Credit Union?

The highest Sunmark Credit Union CD rate is its 6 Month CD at 4.25% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Sunmark Credit Union offer?

Sunmark Credit Union CD rates are 4.25% APY for a 6 month CD, 3.50% APY for a 12 month CD, 3.25% APY for an 18 month CD, 3.50% APY for a 2 year CD and 2.50% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Sunmark Credit Union for its full lineup.

What is the highest savings rate at Sunmark Credit Union?

The highest Sunmark Credit Union savings rate is its Health Savings Account at 1.50% APY, verified by MonitorBankRates as of October 30, 2026.

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

The highest Sunmark Credit Union money market rate is its Signature Money Market at 3.25% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at Sunmark Credit Union?

The highest Sunmark Credit Union checking rate is its Signature Checking at 1.00% APY, verified by MonitorBankRates as of October 30, 2026.

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

The lowest Sunmark Credit Union 30 year fixed mortgage rate is its Conventional 30-Year Fixed at 6.75%, verified by MonitorBankRates as of October 30, 2026. Sunmark Credit Union mortgage rates are 6.75% for a 30 year mortgage, 6.75% for a 20 year mortgage, 6.75% for a 15 year mortgage, 6.25% for a 5/1 ARM and 6.375% for a 5/5 ARM.

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

The lowest Sunmark Credit Union auto loan rate is its Car and Motorcycle Loan at 3.74% APR, verified by MonitorBankRates as of October 30, 2026.

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

The lowest Sunmark Credit Union personal loan rate is its Personal Loan at 11.74% APR, verified by MonitorBankRates as of October 30, 2026.

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

The lowest Sunmark Credit Union credit card APR is its Platinum Credit Card at 11.49% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does Sunmark Credit Union operate?

Sunmark 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 Sunmark Credit Union?

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

Does Sunmark Credit Union offer online and mobile banking?

Most modern institutions like Sunmark 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://sunmark.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 Sunmark Credit Union rates compare?

Sunmark Credit Union's CD rates are 10% higher than the MonitorBankRates national average, and it has an A health rating. Sunmark Credit Union's top rates are its 6 Month CD at 4.25% APY, its Health Savings Account at 1.50% APY, its Signature Money Market at 3.25% APY, its Kasasa Cash Checking at 6.00% APY, its Conventional 5/1 ARM at 6.25%, its Solar Improvement Loan at 7.00% APR and its Platinum Credit Card at 11.49% APR, verified by MonitorBankRates on October 30, 2026.

Current Sunmark Credit Union Rates

12-Month CD3.50%
18-Month CD3.25%
24-Month CD3.50%
60-Month CD2.50%
Savings1.50%
MMA3.25%

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

Compare to Other Credit Unions

Sunmark Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Sunmark Credit Union Texas Ratio

Sunmark Credit Union Health Trend

Sunmark Credit Union CD Rates

Sunmark Credit Union Business CD Rates

Sunmark Credit Union Savings Rates

Sunmark Credit Union Business Savings Rates

Sunmark Credit Union Money Market Rates

Sunmark Credit Union Business Money Market Rates

Sunmark Credit Union Checking Rates

Sunmark Credit Union Business Checking Rates

Sunmark Credit Union Mortgage Rates

Sunmark Credit Union Home Equity & HELOC

Sunmark Credit Union Auto Loan Rates

Sunmark Credit Union RV, Boat and Powersport Loan Rates

Sunmark Credit Union Credit Card Rates

Sunmark Credit Union Personal Loan Rates

Sunmark Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Sunmark Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Sunmark Credit Union

Does Sunmark Credit Union offer CDs?

Are CDs from Sunmark Credit Union NCUA insured?

What is the highest CD rate at Sunmark Credit Union?

What CD terms does Sunmark Credit Union offer?

What is the highest savings rate at Sunmark Credit Union?

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

What is the highest checking rate at Sunmark Credit Union?

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

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

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

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

How many branches does Sunmark Credit Union operate?

Is a member application needed to join Sunmark Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Sunmark 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 Sunmark Credit Union rates compare?

Current Sunmark Credit Union Rates

Compare to Other Credit Unions