What are the current interest rates at Sunflower Community Federal Credit Union?

Current rates for Sunflower Community Federal Credit Union include: 12-Month CD: 3.80%

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Sunflower Community Federal Credit Union

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Sunflower Community Federal Credit Union Rates & Review October 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Sunflower Community Federal Credit Union's top rates as of October 12, 2026 are 3.80% APY on its 12 Month CDs CD, 0.50% APY on checking, and personal loans from 11.00% APR, according to rates verified by MonitorBankRates. Other Sunflower Community Federal Credit Union CD rates include 6 Month CDs at 3.80%, and 36 Month CDs at 3.44%. MonitorBankRates evaluates the financial stability of Sunflower Community Federal Credit Union with a 4.1 Star Rating, an C+ Overall Health Grade, and a Texas Ratio of 25.86%. Rates last updated and verified on 10/12/2026.

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+

Fair Health Score: 78/100

MonitorBankRates Rating

4.1

Excellent Out of 5.0 Stars

Texas Ratio

25.86%

Good 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

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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.

Sunflower Community Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month Share Certificates	3.75%	3.803%	12 months
Min Deposit $500 Details Dividends paid quarterly; Early withdrawal penalties will apply Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.80% APY · checked 5 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 25.86%
6 Month Share Certificates	3.75%	3.803%	6 months
Min Deposit $500 Details Dividends paid quarterly; Early withdrawal penalties will apply Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.80% APY · checked 5 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 25.86%
36 Month Share Certificates	3.40%	3.444%	36 months
Min Deposit $500 Details Dividends paid quarterly; Early withdrawal penalties will apply Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.44% APY · checked 5 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 25.86%

Sunflower Community Federal Credit Union Checking Rates

Product	Rate	APY	View More
Share Draft (Checking)	0.50%	0.501%
Min Balance $300 Details Dividends Paid Monthly; Minimum Amount To Receive Dividend: $300.00 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.50% APY · checked 4 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 25.86%

Sunflower Community Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	-	-	9.75%
Details Variable Base Rate 9.75%; 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 10/12/2026 Rate History No change since Sep 12, 2026 · 9.75% APR · checked 9 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 25.86%

Sunflower Community Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Vehicle Loans	-	-	8.25%
Details Base 8.25%; Vehicle Age: New Vehicle -1.00%; Used Vehicle 2020 and newer 0.00%; Used Vehicle 2014 to 2019 +0.75%; Used Vehicle 2013 & older +1.50%; Credit Score: A 750 & higher -1.50%; B 700-749 -1.25%; C 650-699 0.00%; D 600-649 +2.50%; Automatic Payments -0.50% Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 8.25% APR · checked 2 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 25.86%

Sunflower Community Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loans	11.00%
Details Credit Score: A - 750 & higher; Loan Rates effective December 2024 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 11.00% APR · checked 7 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 25.86%
Signature Loans	12.50%
Details Credit Score: B - 700 - 749; Loan Rates effective December 2024 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 12.50% APR · checked 7 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 25.86%
Signature Loans	14.50%
Details Credit Score: C - 650 - 699; Loan Rates effective December 2024 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 14.50% APR · checked 7 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 25.86%
Signature Loans	16.00%
Details Credit Score: D - 600 - 649; Loan Rates effective December 2024 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 16.00% APR · checked 7 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 25.86%

Sunflower Community Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Christmas Loans - 10 Month Fixed Rate	-	-	10.00%	10 Month
Details Loan Rates Effective December 2024 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 10.00% APR · checked 2 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 25.86%
High Yield Shares	0.75%	-	0.753%
Min Balance $1,000 Details Balance: $1,000 to $4,999; Dividends paid quarterly Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.75% APY Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 25.86%
High Yield Shares	1.15%	-	1.156%
Min Balance $5,000 Details Balance: $5,000 to $14,999; Dividends paid quarterly Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.16% APY Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 25.86%
High Yield Shares	1.50%	-	1.51%
Min Balance $15,000 Details Balance: $15,000 to $39,999; Dividends paid quarterly Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.51% APY Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 25.86%
High Yield Shares	1.80%	-	1.815%
Min Balance $40,000 Details Balance: $40,000 and greater; Dividends paid quarterly Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.82% APY Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 25.86%
Share Deposits	0.60%	-	0.601%
Min Balance $25 Details Dividends Paid Quarterly Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.60% APY Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 25.86%

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

Sunflower Community Federal Credit Union’s Texas Ratio rose from 15.01% in Q3 2023 to 25.86% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.1 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.

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	$33M	25.86%	4.1	C+
March 31, 2026	$32M	31.02%	3.7	C-
December 31, 2025	$32M	26.83%	4.0	C
September 30, 2025	$31M	19.45%	4.6	B
June 30, 2025	$32M	19.57%	4.6	B
March 31, 2025	$31M	15.39%	5.0	A-
December 31, 2024	$31M	19.91%	4.6	B
September 30, 2024	$30M	21.38%	4.5	B
June 30, 2024	$29M	20.85%	4.5	B
March 31, 2024	$28M	19.67%	4.6	B
December 31, 2023	$26M	22.80%	4.4	B-
September 30, 2023	$25M	15.01%	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 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

Website https://www.sunflowerrocks.com

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

4.1 / 5.0 ★

Overall Health & Safety Grade

C+ (78/100)

Texas Ratio

25.86%

Return on Assets (ROA)

0.4299%

Return on Equity (ROE)

5.2195%

Non-Performing Loans Ratio (NPL)

3.45%

Total Assets

33,140,928

Total Amount of Shares and Deposits

30,387,200

Total Shares and Deposits < 1 Year

29,601,312

Total Shares and Deposits 1 3 Years

785,888

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

891,568

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

891,568

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

29,495,632

Total Interest Expense (Sum of items 6 8)

317,422

Share Certificates

534

Number of Accounts for Share Drafts

1,532

Number of Accounts for Regular Shares

3,725

Money Market Shares

407

Net Income (unless the amount is already included in Undivided Earnings)

142,483

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)

3,146,451

Total Liabilities

30,411,112

Source: NCUA — Last Updated 06/30/2026

Customer Reviews

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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.