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: 0.05%, MMA: 0.20%

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Sunmark Credit Union

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Sunmark Credit Union Rates & Review September 2026

Q: 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.

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

Sunmark Credit Union's 6 Month CDs rates are at 4.25%, 6 Month Commercial CD rates are at 4.25%, 1 Year CD rates are at 3.50%, 1 Year CD rates are at 3.50%, 1 Year Commercial CD rates are at 3.50%. Sunmark Credit Union's savings rates are at 0.05%. Sunmark Credit Union's money market rates are at 0.20%. Sunmark Credit Union's Conventional 5/1 ARM rates are at 6.12%, Conventional loan rates are at 6.12%, Conventional 5/5 ARM rates are at 6.25%, 30-Year Fixed Rate Mortgage rates are at 6.76%, Conventional 30-Year Fixed rates are at 6.62%. Sunmark Credit Union's Personal Loan Rates are as low as 11.74%. Sunmark Credit Union's Credit Card Rates are at 11.49%. 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 11.04%. Rates last updated and verified on 09/22/2026.

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: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

11.04%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Sunmark Credit Union
Sunmark Credit Union - Schenectady

1616 Broadway
Schenectady, NY 12306

https://sunmark.org

Sunmark Credit Union CD Rates

Product	Rate	APY	Term
6 Month Certificates	4.17%	4.25%	6 Months
Min Deposit $500 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
6 Month Commercial Share Certificate	4.17%	4.25%	6 months
Min Deposit $500 Details Additional Deposits Permitted Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
1 Year Certificate	3.45%	3.50%	1 Year
Min Deposit $500 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
1 Year Certificate	3.45%	3.50%	1 year
Min Balance $500 Details Additional Deposits Permitted Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
1 Year Commercial Share Certificate	3.45%	3.50%	1 year
Min Deposit $500 Details Additional Deposits Permitted Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
1 Year IRA Share Certificate	3.45%	3.50%	1 Year
Min Deposit $500 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
2 Year Certificate	3.45%	3.50%	2 Years
Min Deposit $500 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
2 Year Certificate	3.45%	3.50%	2 years
Min Balance $500 Details Additional Deposits Permitted Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
2 Year Commercial Share Certificate	3.45%	3.50%	2 years
Min Deposit $500 Details Additional Deposits Permitted Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
2 Year IRA Share Certificate	3.45%	3.50%	2 Years
Min Deposit $500 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
18 Month Certificate	3.20%	3.25%	18 months*
Min Deposit $500 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
18 Month Certificate	3.20%	3.25%	18 months
Min Balance $500 Details No Additional Deposits Permitted Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
18 Month Commercial Share Certificate	3.20%	3.25%	18 months
Min Deposit $500 Details No Additional Deposits Permitted Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
18 Month IRA Share Certificate	3.20%	3.25%	18 months*
Min Deposit $500 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
9 Month Certificate	2.96%	3.00%	9 Months*
Min Deposit $500 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
9 Month Commercial Share Certificate	2.96%	3.00%	9 Months
Min Deposit $500 Details No Additional Deposits Permitted Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
9 Month IRA Share Certificate	2.96%	3.00%	9 Months*
Min Deposit $500 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
3 Month Certificate	2.47%	2.50%	3 months
Min Balance $500 Details Additional Deposits Permitted Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
3 Month Commercial Share Certificate	2.47%	2.50%	3 months
Min Deposit $500 Details Additional Deposits Permitted Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
3 Year Certificate	2.47%	2.50%	3 Years
Min Deposit $500 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
3 Year Certificate	2.47%	2.50%	3 years
Min Balance $500 Details Additional Deposits Permitted Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
3 Year Commercial Share Certificate	2.47%	2.50%	3 years
Min Deposit $500 Details Additional Deposits Permitted Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
3 Year IRA Share Certificate	2.47%	2.50%	3 Years
Min Deposit $500 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
4 Year Certificate	2.47%	2.50%	4 Years
Min Deposit $500 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
4 Year Certificate	2.47%	2.50%	4 years
Min Balance $500 Details Additional Deposits Permitted Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
4 Year Commercial Share Certificate	2.47%	2.50%	4 years
Min Deposit $500 Details Additional Deposits Permitted Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
4 Year IRA Share Certificate	2.47%	2.50%	4 Years
Min Deposit $500 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
5 Year Certificate	2.47%	2.50%	5 Years
Min Deposit $500 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
5 Year Certificate	2.47%	2.50%	5 years
Min Balance $500 Details Additional Deposits Permitted Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
5 Year Commercial Share Certificate	2.47%	2.50%	5 years
Min Deposit $500 Details Additional Deposits Permitted Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
5 Year IRA Share Certificate	2.47%	2.50%	5 Years
Min Deposit $500 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
90 Day Certificate	2.47%	2.50%	90 Days
Min Deposit $500 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%

Sunmark Credit Union Savings Rates

Product	Rate	APY
Savings Accounts	2.96%	3.00%
Min Deposit $1 Min Balance $0 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Health Savings Account	1.49%	1.50%
Min Deposit $1 Min Balance $0 Details Balance: $0.01 and above Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Savings Accounts	1.49%	1.50%
Min Deposit $1 Min Balance $0 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Regular IRA Share Savings	0.45%	0.45%
Min Deposit $1 Min Balance $40,000 Details Balance: $40,000 and above Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Savings Account	0.45%	0.45%
Min Deposit $1 Min Balance $40,000 Details Balance: $40,000 and above Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Savings Account	0.25%	0.25%
Min Deposit $1 Min Balance $75,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Savings Account	0.25%	0.25%
Min Deposit $1 Min Balance $150,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Regular IRA Share Savings	0.20%	0.20%
Min Deposit $1 Min Balance $10,000 Details Balance: $10,000 - $39,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Savings Accounts	0.20%	0.20%
Min Deposit $1 Min Balance $0 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Youth Savings	0.20%	0.20%
Min Deposit $1 Min Balance $0 Details Balance: $0.01 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Commercial Savings Plan	0.10%	0.10%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Holiday Savings Plan	0.10%	0.10%
Min Deposit $1 Min Balance $0 Details Balance: $0.01 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Regular IRA Share Savings	0.10%	0.10%
Min Deposit $1 Min Balance $0 Details Balance: $0.01 - $9,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Savings Accounts	0.10%	0.10%
Min Deposit $1 Min Balance $0 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Special Event Savings Plan	0.10%	0.10%
Min Deposit $1 Min Balance $0 Details Balance: $0.01 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Membership Savings Plan	0.05%	0.05%
Min Deposit $1 Min Balance $0 Details Balance: $0.01 - $9,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Savings Accounts	0.05%	0.05%
Min Deposit $1 Min Balance $0 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Silver Savings Plan	0.05%	0.05%
Min Deposit $1 Min Balance $0 Details Balance: $0.01 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%

Sunmark Credit Union Money Market Rates

Product	Rate	APY
Money Market Accounts	3.21%	3.25%
Min Deposit $500 Min Balance $200,000 Details Balance: $200,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Signature Money Market	3.21%	3.25%
Min Deposit $500 Min Balance $200,000 Details Balance: $200,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Money Market Accounts	2.96%	3.00%
Min Deposit $500 Min Balance $150,000 Details Balance: $150,000 - $199,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Signature Money Market	2.96%	3.00%
Min Deposit $500 Min Balance $150,000 Details Balance: $150,000 - $199,999.99; Balance: $150,000 - $199,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Business Money Market	2.72%	2.75%
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Money Market Accounts	2.72%	2.75%
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 - $149,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Signature Money Market	2.72%	2.75%
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 - $149,999.99; Balance: $100,000 - $149,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Money Market Accounts	2.48%	2.50%
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Signature Money Market	2.48%	2.50%
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Business Money Market	1.49%	1.50%
Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Money Market Account	1.25%	1.25%
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and above Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Money Market Account	1.00%	1.00%
Min Deposit $500 Min Balance $40,000 Details Balance: $40,000 - $99,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Money Market Account	0.75%	0.75%
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000 - $39,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Business Money Market	0.50%	0.50%
Min Balance $500 Details Balance: $500.00- $24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Money Market Account	0.50%	0.50%
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Money Market Account	0.20%	0.20%
Min Deposit $500 Min Balance $500 Details Balance: $500 - $9,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%

Sunmark Credit Union Checking Rates

Product	Rate	APY
Checking Accounts	5.84%	6.00%
Min Deposit $20 Min Balance $0 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Checking Accounts	1.00%	1.00%
Min Deposit $20 Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Signature Checking	1.00%	1.00%
Min Deposit $20 Min Balance $1,000 Details Balance: $1,000.00 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Sunmark Signature Checking	-	1.00%
Min Deposit $1,000 Min Balance $1,000 Details Balances of $1,000 and over; Free Sunmark Signature checks & cashier checks; No domestic wire transfer fees; No Sunmark ATM/POS pin transaction fee; No monthly maintenance fees; Must maintain daily balance of $1,000 to earn APY. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Checking Accounts	0.25%	0.25%
Min Deposit $20 Min Balance $15,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Business Earnings Checking	0.10%	0.10%
Min Balance $7,500 Details Balance: $7,500.00 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Business Earnings Checking	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500.00 - $7,499.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%

Sunmark Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Conventional 5/1 ARM	6.13%	0	6.66%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Conventional loan	6.13%	-	6.66%	5 years
Details Rate/term refinance transaction of an existing single family detached home in the City of Albany, Albany County, New York for an interest rate lock period of 60 days and includes tax and homeowner's insurance escrows. The actual APR and fees will be based on individual loan features and creditworthiness of at least 780 credit score. Beginning in year 6, through year 30, rate can adjust up to 2% annually, with a maximum rate of 11.99% and minimum simple interest rate of 5.99% for the remainder of the loan term. Available for purchase transactions only. Auto-deduct payment from a Sunmark account required. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Conventional 5/5 ARM	6.25%	0	6.75%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
30-Year Fixed Rate Mortgage	-	-	6.76%	30-year
Details Conventional loan of $200,000 based on a value of $334,000 for a primary residence and rate/term refinance transaction of an existing single family detached home in the City of Albany, Albany County, New York for an interest rate lock period of 60 days and includes tax and homeowner's insurance escrows. The actual APR and fees will be based on individual loan features and creditworthiness of at least 780 credit score. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Conventional 30-Year Fixed	6.63%	0	6.76%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
20-Year Fixed Rate Mortgage	-	-	6.80%	20-year
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Conventional 20-Year Fixed	6.63%	0	6.80%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
USDA 30 Year Fixed	6.50%	0	6.80%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
15-Year Fixed Rate Mortgage	-	-	6.84%	15-year
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Conventional 15 Year Fixed	6.63%	0	6.84%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Construction Draw Loan - 30 Year Fixed	6.75%	0	6.86%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Mortgage Rates - FHA 30 Year Fixed	6.50%	0	7.07%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
VA 30 Year Fixed	6.75%	0	7.41%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%

Sunmark Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loans	-	-	6.60%	Up to 20 Years
Details First Lien Position. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Home Equity Loans	-	-	7.10%	Up to 20 Years
Details Second Lien Position. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%

Sunmark Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	3.74%	202 months
Details Additional APR listed for this product: 3.99%, 5.49%. Term: Model Years 2022-2026 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Used Auto Loan	-	-	5.49%	201 months
Details Additional APR listed for this product: 5.99%, 6.74%. Term: Model Years 2017-2021 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Older Auto Loan	-	-	9.74%	201 months
Details Term: Model Years 2016-2006 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Used Auto Loan	-	-	9.99%	201 months
Details Term: Model Years 2016-2006 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%

Sunmark Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New & Used ATV, Snowmobiles, Boats, Motor Homes, Travel Trailers Loan	-	8.24%	24 month
Details Model Years 2026 and Older Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
New & Used ATV, Snowmobiles, Boats, Motor Homes, Travel Trailers Loan	-	8.24%	36 month
Details Model Years 2026 and Older Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
New & Used ATV, Snowmobiles, Boats, Motor Homes, Travel Trailers Loan	-	8.49%	48 month
Details Model Years 2026 and Older Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
New & Used ATV, Snowmobiles, Boats, Motor Homes, Travel Trailers Loan	-	8.74%	60 month
Details Model Years 2026 and Older Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
New & Used ATV, Snowmobiles, Boats, Motor Homes, Travel Trailers Loan	-	9.24%	72 month
Details Model Years 2026 and Older Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
New & Used ATV, Snowmobiles, Boats, Motor Homes, Travel Trailers Loan	-	10.24%	73-144 month
Details Model Years 2026 and Older Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%

Sunmark Credit Union Credit Card Rates

Product	Rate	APR
Credit Card	-	11.49%
Details Published APR range: 11.49 - 20.49%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Platinum Credit Card	-	11.49%
Details Published APR range: 11.49 - 20.49%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Credit Card	-	13.49%
Details Published APR range: 13.49 - 20.49%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Platinum Rewards Credit Card	-	13.49%
Details Published APR range: 13.49 - 22.49%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Signature Credit Card	-	13.49%
Details Published APR range: 13.49 - 20.49%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%

Sunmark Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	11.74%	up to 60 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Signature Credit Card	13.49%	Revolving
Details Published APR range: 13.49 - 20.49%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Personal Line of Credit	14.49%	Revolving
Details As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Personal Loans & Lines of Credit	14.49%	Revolving
Details As Low As; $1,000 minimum to open Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%

Sunmark Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
2nd Home 30 Year Fixed	7.13%	0	7.39%
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Home Improvement & Solar Loans	-	-	9.99%	Up to 15 years
Details $25,000 maximum; credit 680 and higher Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Home Improvement & Solar Loans	-	-	9.99%	Up to 10 years
Details $10,000 maximum; credit 660 and higher Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Home Improvement & Solar Loans	-	-	7.00%	5 years
Details $25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Home Improvement & Solar Loans	-	-	7.50%	10 years
Details $25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Home Improvement & Solar Loans	-	-	7.75%	15 years
Details $25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Home Improvement Loan	-	-	9.99%	Up to 15 years
Details $25,000 maximum; credit 680 and higher Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Home Improvement Loan	-	-	9.99%	Up to 10 years
Details $10,000 maximum; credit 660 and higher Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Second home residence loan	6.25%	-	6.75%	5 years
Details Transaction of an existing single family detached home in the City of Albany, Albany County, New York for an interest rate lock period of 60 days and includes tax and homeowner's insurance escrows. The actual APR and fees will be based on individual loan features and creditworthiness of at least 780 credit score. Beginning in year 6, through year 30, rate can adjust up to 2% annually, with a maximum rate of 11.125% and minimum simple interest rate of 6.125% for the remainder of the loan term. Available for purchase transactions only. Auto-deduct payment from a Sunmark account required. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Share Secured Loan	-	-	6.99%	5 Years
Details Secured by Share Certificate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Share Secured Loan	-	-	4.74%	10 Years
Details Secured by Shares; Maximum Amount: $50,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Solar Improvement Loan	-	-	7.00%	5 years
Details $25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Solar Improvement Loan	-	-	7.50%	10 years
Details $25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Solar Improvement Loan	-	-	7.75%	15 years
Details $25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
1 Year Regular Share Certificate	3.45%	-	3.50%	1 Year
Min Deposit $500 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
18 Month Regular Share Certificate	3.20%	-	3.25%	18 months*
Min Deposit $500 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
2 Year Regular Share Certificate	3.45%	-	3.50%	2 Years
Min Deposit $500 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
3 Year Regular Share Certificate	2.47%	-	2.50%	3 Years
Min Deposit $500 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
4 Year Regular Share Certificate	2.47%	-	2.50%	4 Years
Min Deposit $500 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
5 Year Regular Share Certificate	2.47%	-	2.50%	5 Years
Min Deposit $500 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
6 Month Regular Share Certificate	4.17%	-	4.25%	6 Months
Min Deposit $500 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
9 Month Regular Share Certificate	2.96%	-	3.00%	9 Months*
Min Deposit $500 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
90 Day Regular Share Certificate	2.47%	-	2.50%	90 Days
Min Deposit $500 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Kasasa Cash Checking - Tier 2 portion of	0.25%	-	0.25%
Min Deposit $20 Min Balance $15,000 Details balance over $15,000; Balance: $15,000.01 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Kasasa Saver Account Savings	-	-	3.00%
Min Deposit $1 Details Effortless savings with automatic reward transfers. No maintenance fees. Links to Kasasa Cash checking Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Kasasa Saver Tier 1 when linked to Kasasa Cash Checking Savings	2.96%	-	3.00%
Min Deposit $1 Min Balance $0 Details up to $75,000; Balance: $0.01 - $75,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%
Kasasa Saver Tier 2 portion of when linked to Kasasa Cash Checking Savings	0.25%	-	0.25%
Min Deposit $1 Min Balance $75,000 Details balance over $75,000; Balance: $75,000.01 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.04%

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.
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Financial Health History

Sunmark Credit Union’s Texas Ratio rose from 4.44% in Q2 2023 to 11.04% 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 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
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+
June 30, 2023	$1.1B	4.44%	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 1616 Broadway, Schenectady, NY 12306

Phone 866-786-6275

Fax

President Ed Aidala

CEO Jerilee Beaudoin

Full-Time Employees 258

Part-Time Employees 9

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 (94/100)

Texas Ratio

11.04%

Return on Assets (ROA)

0.1603%

Return on Equity (ROE)

1.7481%

Non-Performing Loans Ratio (NPL)

1.42%

Total Assets

1,201,412,403

Total Amount of Shares and Deposits

1,084,827,646

Total Shares and Deposits < 1 Year

1,050,500,298

Total Shares and Deposits 1 3 Years

28,960,855

Total Shares and Deposits > 3 Years

5,366,493

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

45,681,180

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

45,681,180

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

1,039,146,466

Total Interest Expense (Sum of items 6 8)

3,744,098

Share Certificates

9,293

Number of Accounts for Share Drafts

52,389

IRA KEOGH Accounts

1,198

Number of Accounts for Regular Shares

90,268

All other shares

160

Money Market Shares

4,375

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)

78,365,989

Total Liabilities

1,097,880,418

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Sunmark Credit Union earned the Verified Healthy badge

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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

Add Your Rating and Review for Sunmark Credit Union

Frequently Asked Questions About Sunmark Credit Union

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.

Current Sunmark Credit Union Rates

12-Month CD3.50%
18-Month CD3.25%
24-Month CD3.50%
60-Month CD2.50%
Savings0.05%
MMA0.20%

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

Compare to Other Credit Unions

Sunmark Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

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Sunmark Credit Union Texas Ratio

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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

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?

Current Sunmark Credit Union Rates

Compare to Other Credit Unions