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Sunflower Community Federal Credit Union Rates & Review September 2026

Sunflower Community Federal Credit Union's 12 Month CDs rates are at 3.80%, 6 Month CDs rates are at 3.80%, 36 Month CDs rates are at 3.44%. Sunflower Community Federal Credit Union's Personal Loan Rates are as low as 11.00%. Sunflower Community Federal Credit Union's Credit Card Rates are at 9.90%. MonitorBankRates evaluates the financial stability of Sunflower Community Federal Credit Union with a 3.7 Star Rating, an C- Overall Health Grade, and a Texas Ratio of 31.02%. Rates last updated and verified on 09/20/2026.

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

Overall Health & Safety Grade ?
C-
Below Average Health Score: 71/100
MonitorBankRates Rating ?
3.7
Very Good Out of 5.0 Stars
Texas Ratio ?
31.02%
Fair Higher than avg
Health Trend ?
Worsening 12 quarters
Full history ›
Sunflower Community Federal Credit Union
Main Office
407 Broadway
Marysville, KS 66508
https://www.sunflowerrocks.com
Member NCUA

Sunflower Community Federal Credit Union CD Rates

Product Rate APY Term View More
12 Month Share Certificates 3.75% 3.80% 12 months
Min Deposit $500
Last Updated 09/20/2026
Institution Ratings
3.7
Star Rating
C-
Health Grade
Texas Ratio: 31.02%
6 Month Share Certificates 3.75% 3.80% 6 months
Min Deposit $500
Last Updated 09/20/2026
Institution Ratings
3.7
Star Rating
C-
Health Grade
Texas Ratio: 31.02%
36 Month Share Certificates 3.40% 3.44% 36 months
Min Deposit $500
Last Updated 09/20/2026
Institution Ratings
3.7
Star Rating
C-
Health Grade
Texas Ratio: 31.02%

Sunflower Community Federal Credit Union Checking Rates

Product Rate APY View More
Share Draft (Checking) - Dividends Paid Monthly 0.60% 0.60%
Min Balance $25
Last Updated 09/20/2026
Institution Ratings
3.7
Star Rating
C-
Health Grade
Texas Ratio: 31.02%
Share Draft (Checking) 0.50% 0.50%
Min Balance $300
Last Updated 09/20/2026
Institution Ratings
3.7
Star Rating
C-
Health Grade
Texas Ratio: 31.02%

Sunflower Community Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit 9.75% - 9.75%
Details Variable Base Rate; Credit Score: A - 750 or Higher (-1.50%); B - 700 - 749 (-1.25%); C - 650 - 699 (0.00%); D - 600 - 649 (+2.50%); Automatic Payments (-0.50%); Minimum Rate: 4.00%; Maximum Rate: 18.00%
Last Updated 09/20/2026
Institution Ratings
3.7
Star Rating
C-
Health Grade
Texas Ratio: 31.02%

Sunflower Community Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Used Vehicle - 2020 and newer 8.25% - 8.25%
Details Vehicle Age; Base Rate: 8.25%
Last Updated 09/20/2026
Institution Ratings
3.7
Star Rating
C-
Health Grade
Texas Ratio: 31.02%

Sunflower Community Federal Credit Union Credit Card Rates

Product Rate APR View More
VISA Credit Card - 9.90%
Details Intro rate expires: 6 billing cycles; Regular APR: 9.90% or 14.90%, based on your creditworthiness. No annual fees, balance transfer fees or cash advance fees. No interest on purchases if you pay your entire balance by the due date each month.; APR range: 9.90% or 14.90%
Last Updated 09/20/2026
Institution Ratings
3.7
Star Rating
C-
Health Grade
Texas Ratio: 31.02%

Sunflower Community Federal Credit Union Personal Loan Rates

Product APR Term View More
Signature Loan 11.00%
Details Credit Score: A - 750 & higher
Last Updated 09/20/2026
Institution Ratings
3.7
Star Rating
C-
Health Grade
Texas Ratio: 31.02%
Signature Loan 12.50%
Details Credit Score: B - 700 - 749
Last Updated 09/20/2026
Institution Ratings
3.7
Star Rating
C-
Health Grade
Texas Ratio: 31.02%
Signature Loan 14.50%
Details Credit Score: C - 650 - 699
Last Updated 09/20/2026
Institution Ratings
3.7
Star Rating
C-
Health Grade
Texas Ratio: 31.02%
Signature Loan 16.00%
Details Credit Score: D - 600 - 649
Last Updated 09/20/2026
Institution Ratings
3.7
Star Rating
C-
Health Grade
Texas Ratio: 31.02%

Sunflower Community Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
10 Month Fixed Rate - - 10.00% 10 Month
Last Updated 09/20/2026
Institution Ratings
3.7
Star Rating
C-
Health Grade
Texas Ratio: 31.02%

Financial Health History

Sunflower Community Federal Credit Union’s Texas Ratio rose from 11.78% in Q2 2023 to 31.02% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 3.7 and its Health Grade from A to C-. 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.

0% 1.0★ 10% 2.0★ 21% 3.0★ 31% 4.0★ 42% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 11.78% A Q2 2023 A- Q3 2023 B- Q4 2023 B Q1 2024 B Q2 2024 B Q3 2024 B Q4 2024 A- Q1 2025 B Q2 2025 B Q3 2025 C Q4 2025 31.02% C- Q1 2026
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)
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
March 31, 2026$32M31.02%3.7C-
December 31, 2025$32M26.83%4.0C
September 30, 2025$31M19.45%4.6B
June 30, 2025$32M19.57%4.6B
March 31, 2025$31M15.39%5.0A-
December 31, 2024$31M19.91%4.6B
September 30, 2024$30M21.38%4.5B
June 30, 2024$29M20.85%4.5B
March 31, 2024$28M19.67%4.6B
December 31, 2023$26M22.80%4.4B-
September 30, 2023$25M15.01%5.0A-
June 30, 2023$25M11.78%5.0A
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 Sunflower Community 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 Sunflower Community 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 Sunflower Community Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Sunflower Community Federal Credit Union
Address 407 Broadway, Marysville, KS 66508
Phone 785-562-3741
Fax 785-562-3439
President Darcy Claycamp
CEO James Hull
Full-Time Employees 7
Part-Time Employees 2
Branch Locations 1
ATM Locations 1
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
3.7 / 5.0 ★
Overall Health & Safety Grade
C- (71/100)
Texas Ratio
31.02%
Return on Assets (ROA)
0.1832%
Return on Equity (ROE)
2.2346%
Non-Performing Loans Ratio (NPL)
3.98%
Total Assets
32,278,490
Total Amount of Shares and Deposits
29,605,557
Total Shares and Deposits < 1 Year
28,826,425
Total Shares and Deposits 1 3 Years
779,132
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
875,164
Total Uninsured Shares and Deposits > $250K (F+J)
875,164
Total Insured Shares and Deposits > $250K (item 17 less item K)
28,730,393
Total Interest Expense (Sum of items 6 8)
159,659
Share Certificates
546
Number of Accounts for Share Drafts
1,532
Number of Accounts for Regular Shares
3,722
Money Market Shares
403
Net Income (unless the amount is already included in Undivided Earnings)
59,139
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)
2,709,674
Total Liabilities
29,632,018
Source: NCUA — Last Updated 03/31/2026

Customer Reviews

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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Sunflower Community Federal Credit Union

How many branches does Sunflower Community Federal Credit Union operate?

Sunflower Community 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 Sunflower Community Federal Credit Union?

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

Does Sunflower Community Federal Credit Union offer online and mobile banking?

Most modern institutions like Sunflower Community 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.sunflowerrocks.com.

Current Sunflower Community Federal Credit Union Rates

  • 12-Month CD3.80%
Retrieved from our database of financial products. Rates subject to change.