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: 3.00%, MMA: 3.25%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Sunmark Credit Union

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Sunmark Credit Union Rates & Review October 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: October 10, 2026

Sunmark Credit Union's top rates as of October 10, 2026 are 4.25% APY on its 6 Month CD, 3.00% APY on savings, 3.25% APY on money market accounts, 1.00% APY on checking, 6.50% on its Adjustable Rate Mortgage, personal loans from 11.74% APR, and credit cards from 11.49% APR, according to rates verified by MonitorBankRates. Other Sunmark Credit Union CD rates include 6 Month Commercial CD at 4.25%, 6 Month Regular CD at 4.25%, and 1 Year Commercial CD at 3.50%. Other Sunmark Credit Union mortgage rates include Conventional 5/1 ARM Mortgage at 6.50%, 15-Year Fixed Rate Mortgage at 7.09%, and Conventional 15 Year Fixed Mortgage at 6.88%. 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 10/10/2026.

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 Q2 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 Additional deposits are not allowed. Certificate will automatically renew at the time of maturity. Sunmark will provide 30 days notice prior to the maturity date. If you do not contact Sunmark on or before the maturity date, the account will renew for the term stated, at the rate current at the time of renewal. You have a grace period of ten days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty. Rate is accurate as of August 3, 2026. Speak with a Sunmark representative for current rate information as well as applicable fees and terms. Rates subject to change. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.25% APY · checked 5 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 10/10/2026 Rate History No change since Sep 18, 2026 · 4.25% APY · checked 5 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 10/10/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 5 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 10/10/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 5 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 10/10/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 5 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 10/10/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 5 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 10/10/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 5 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 10/10/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 5 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 10/10/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 5 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 10/10/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
3 Month Certificates	2.47%	2.50%	3 months
Min Balance $500 Details Additional Deposits Permitted Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 6 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 10/10/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 5 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 10/10/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 5 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 10/10/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 5 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 10/10/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 5 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 10/10/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 5 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 10/10/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 5 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 10/10/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 5 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 Min Balance $500 Details Additional Deposits Permitted Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 4.25% APY · checked 5 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 Min Balance $500 Details Additional Deposits Permitted Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 5 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 Min Balance $500 Details Additional Deposits Permitted Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 5 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 Min Balance $500 Details No Additional Deposits Permitted Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 5 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 Min Balance $500 Details No Additional Deposits Permitted Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 5 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 Min Balance $500 Details Additional Deposits Permitted Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 5 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 Min Balance $500 Details Additional Deposits Permitted Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 5 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 Min Balance $500 Details Additional Deposits Permitted Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 5 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 Min Balance $500 Details Additional Deposits Permitted Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%

Sunmark Credit Union Savings Rates

Product	Rate	APY
Savings Accounts	2.96%	3.00%
Min Deposit $1 Min Balance $0 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Health Savings Account	1.49%	1.50%
Min Deposit $1 Min Balance $0 Details Balance: $0.01 and above Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Savings Accounts	1.49%	1.50%
Min Deposit $1 Min Balance $0 Details Balance: $0.01 and above Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.00% → 1.50% ▼ 1.50 pts · high 3.00% / low 1.50% Sep 22, 20261.50%▼ from 3.00% Sep 18, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Savings Accounts	0.75%	0.75%
Min Deposit $1 Min Balance $1 Last Updated 10/10/2026 Rate History 3 changes since Sep 14, 2026 · 0.20% → 0.75% ▲ 0.55 pts · high 3.00% / low 0.20% Oct 10, 20260.75%▲ from 0.20% Sep 22, 20260.20%▼ from 3.00% Sep 18, 20263.00%▲ from 0.20% Sep 14, 20260.20%first recorded 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 10/10/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Savings Accounts	0.45%	0.45%
Min Deposit $1 Min Balance $40,000 Details Minimum Balance to Earn Dividend: $40,000 and above Last Updated 10/10/2026 Rate History 3 changes since Sep 14, 2026 · 0.20% → 0.45% ▲ 0.25 pts · high 3.00% / low 0.20% Oct 10, 20260.45%▲ from 0.20% Sep 22, 20260.20%▼ from 3.00% Sep 18, 20263.00%▲ from 0.20% Sep 14, 20260.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Savings Accounts	0.25%	0.25%
Min Deposit $1 Min Balance $75,000 Last Updated 10/10/2026 Rate History 3 changes since Sep 14, 2026 · 0.20% → 0.25% ▲ 0.05 pts · high 3.00% / low 0.20% Oct 10, 20260.25%▲ from 0.20% Sep 22, 20260.20%▼ from 3.00% Sep 18, 20263.00%▲ from 0.20% Sep 14, 20260.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Savings Accounts	0.25%	0.25%
Min Deposit $1 Min Balance $150,000 Last Updated 10/10/2026 Rate History 3 changes since Sep 14, 2026 · 0.20% → 0.25% ▲ 0.05 pts · high 3.00% / low 0.20% Oct 10, 20260.25%▲ from 0.20% Sep 22, 20260.20%▼ from 3.00% Sep 18, 20263.00%▲ from 0.20% Sep 14, 20260.20%first recorded 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 10/10/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Savings Accounts	0.20%	0.20%
Min Deposit $1 Min Balance $10,000 Details Balance: $10,000 - $39,999 Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 0.20% → 0.20% ▼ 0.00 pts · high 3.00% / low 0.20% Sep 22, 20260.20%▼ from 3.00% Sep 18, 20263.00%▲ from 0.20% Sep 14, 20260.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Savings Accounts	0.20%	0.20%
Min Deposit $1 Min Balance $0 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.00% → 0.20% ▼ 2.80 pts · high 3.00% / low 0.20% Sep 22, 20260.20%▼ from 3.00% Sep 18, 20263.00%first recorded 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 Details Balance: $0.01 - $9,999 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 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 Details Balance: $0.01 - $9,999 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 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 10/10/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Savings Accounts	0.10%	0.10%
Min Deposit $1 Min Balance $0 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.00% → 0.10% ▼ 2.90 pts · high 3.00% / low 0.10% Sep 22, 20260.10%▼ from 3.00% Sep 18, 20263.00%first recorded 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 Details Balance: $0.01 - $9,999 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 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 Details Balance: $0.01 - $9,999 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Savings Accounts	0.05%	0.05%
Min Deposit $1 Min Balance $0 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.00% → 0.05% ▼ 2.95 pts · high 3.00% / low 0.05% Sep 22, 20260.05%▼ from 3.00% Sep 18, 20263.00%first recorded 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 Details Balance: $0.01 - $9,999 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 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 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%

Sunmark Credit Union Money Market Rates

Product	Rate	APY
Money Market Accounts	3.25%	3.25%
Min Deposit $500 Min Balance $200,000 Details Balance: $200,000 and over Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Signature Money Market	3.21%	3.25%
Min Deposit $500 Min Balance $200,000 Details Balance: $200,000 and over Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Money Market Accounts	2.96%	3.00%
Min Deposit $500 Min Balance $150,000 Details Balance: $150,000 - $199,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 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 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Money Market Accounts	2.72%	2.75%
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 - $149,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 6 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 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Money Market Accounts	2.48%	2.50%
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 6 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 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 4 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 10/10/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 6 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 10/10/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 4 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 10/10/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 4 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 10/10/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 4 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 10/10/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 4 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 10/10/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 6 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 10/10/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 6 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 10/10/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%

Sunmark Credit Union Checking Rates

Product	Rate	APY
Checking Accounts	1.00%	1.00%
Min Deposit $20 Min Balance $1,000 Details Balance: $1,000.00 - $1,000.00 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.00% 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 Details Balance: $1,000.00 and over Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 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 Premium checking with dedicated concierge service and exclusive benefits. Interest-bearing account with VIP perks. Free Sunmark Signature checks & cashier checks; No domestic wire transfer fees; No Sunmark ATM/POS pin transaction fee; No monthly maintenance fees; If average daily balance falls below $1,000 a $25.00 fee will be applied for each month the account balance does not meet the requirement. Must maintain daily balance of $1,000 to earn APY. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Checking Accounts	0.25%	0.25%
Min Deposit $20 Min Balance $15,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 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 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 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 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%

Sunmark Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Adjustable Rate Mortgage	6.50%	-	7.039%	30 years
Details 6.5% simple interest rate, 7.039% APR good for 5 years. 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. Rates subject to change. Auto-deduct payment from a Sunmark account required. Last Updated 10/10/2026 Rate History 1 change since Oct 1, 2026 · 7.16% → 7.04% ▼ 0.13 pts · high 7.16% / low 7.04% Oct 10, 20267.04%▼ from 7.16% Oct 1, 20267.16%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Conventional 5/1 ARM Mortgage	6.50%	0	7.039%	5/1 ARM
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.04% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
15-Year Fixed Rate Mortgage	-	-	7.092%	15-year
No additional details. Last Updated 10/10/2026 Rate History 4 changes since Sep 14, 2026 · 6.47% → 7.09% ▲ 0.63 pts · high 7.22% / low 6.47% Oct 10, 20267.09%▼ from 7.22% Oct 1, 20267.22%▲ from 7.09% Sep 27, 20267.09%▲ from 6.84% Sep 18, 20266.84%▲ from 6.47% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Conventional 15 Year Fixed Mortgage	6.875%	0	7.092%	15 years
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.09% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Adjustable Rate Mortgage	6.625%	-	7.122%	30 years
Details 6.625% simple interest rate, 7.122% APR good for 5 years. 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. Rates subject to change. Auto-deduct payment from a Sunmark account required. Last Updated 10/10/2026 Rate History 1 change since Oct 1, 2026 · 7.16% → 7.12% ▼ 0.04 pts · high 7.16% / low 7.12% Oct 10, 20267.12%▼ from 7.16% Oct 1, 20267.16%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Conventional 5/5 ARM Mortgage	6.625%	0	7.122%	5/5 ARM
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.12% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
30-Year Fixed Rate Mortgage	-	-	7.134%	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 10/10/2026 Rate History 4 changes since Sep 14, 2026 · 6.51% → 7.13% ▲ 0.63 pts · high 7.26% / low 6.51% Oct 10, 20267.13%▼ from 7.26% Oct 1, 20267.26%▲ from 7.01% Sep 27, 20267.01%▲ from 6.76% Sep 18, 20266.76%▲ from 6.51% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Conventional 30-Year Fixed Mortgage	6.99%	0	7.134%	30 years
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.13% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Construction Draw Loan - 30 Year Fixed Mortgage	7.125%	0	7.239%	30 years
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
USDA 30 Year Fixed Mortgage	7.00%	0	7.303%	30 years
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.30% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
20-Year Fixed Rate Mortgage	-	-	7.421%	20-year
No additional details. Last Updated 10/10/2026 Rate History 4 changes since Sep 14, 2026 · 6.67% → 7.42% ▲ 0.75 pts · high 7.55% / low 6.67% Oct 10, 20267.42%▼ from 7.55% Oct 1, 20267.55%▲ from 7.30% Sep 27, 20267.30%▲ from 6.80% Sep 18, 20266.80%▲ from 6.67% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Conventional 20-Year Fixed Mortgage	7.25%	0	7.421%	20 years
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.42% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
FHA 30 Year Fixed Mortgage	7.00%	0	7.57%	30 years
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.57% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
VA 30 Year Fixed Mortgage	7.25%	.375	7.91%	30 years
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.91% APR 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	-	-	6.60%	Up to 20 Years
Details Minimum $2,000; First Lien Position. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.60% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Home Equity Loan	-	-	7.00%	5 years
Details Term: 5-year draw (renewable), 15 year repayment period; Initial rate is fixed for first 60 months, then Prime + 0.00% (variable rate that adjusts every 5 years based on Prime). Lifetime cap of 13.00%. Max $1 Million. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 10, 20267.00%▲ from 6.75% Sep 18, 20266.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Home Equity Loan	-	-	7.10%	Up to 20 Years
Details Minimum $2,000; Second Lien Position. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.10% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Home Equity Loan	-	-	9.25%	5 years
Details Term: 5-year draw (renewable), 15-year repayment period; Initial rate is fixed for first 60 months, then Prime + 2.25% (variable rate that adjusts every 5 years based on Prime). Lifetime cap of 15.25%. Prime Rate + 2% intro rate for the first 5 years Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 6.75% → 9.25% ▲ 2.50 pts · high 9.25% / low 6.75% Oct 10, 20269.25%▲ from 6.75% Sep 18, 20266.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%

Sunmark Credit Union Auto Loan Rates

Product	Rate	Points	APR
Auto Loan Sale	-	-	3.74%
Details Rates as low as 3.74% APR* Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Auto Loans	-	-	3.74%
Details As Low As 3.74* % Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.74% APR · checked 2 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 Loan	-	8.24%	24 month
Details Model Years 2026 and Older Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
New & Used ATV, Snowmobiles, Boats, Motor Homes, Travel Trailers Loan	-	8.24%	36 month
Details Model Years 2026 and Older Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
New & Used ATV, Snowmobiles, Boats, Motor Homes, Travel Trailers Loan	-	8.49%	48 month
Details Model Years 2026 and Older Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
New & Used ATV, Snowmobiles, Boats, Motor Homes, Travel Trailers Loan	-	8.74%	60 month
Details Model Years 2026 and Older Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
New & Used ATV, Snowmobiles, Boats, Motor Homes, Travel Trailers Loan	-	9.24%	72 month
Details Model Years 2026 and Older Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
New & Used ATV, Snowmobiles, Boats, Motor Homes, Travel Trailers Loan	-	10.24%	73-144 month
Details Model Years 2026 and Older Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 10.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%

Sunmark Credit Union Credit Card Rates

Product	Rate	APR
Credit Cards	-	11.49%
Details Published APR range: 11.49 - 20.49%. $500 minimum to open Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Platinum Credit Card	-	11.49%
Details Published APR range: 11.49 - 20.49%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
VISA Platinum Card	-	11.49%
Details Published APR range: 11.49% - 20.74%. Introductory APR for Purchases; Balance transfers 12 months; APR range 11.49% - 20.74% after introductory period; Competitive APRs Based on Prime Rate; No Annual Fees; Rewards Points That Never Expire; Balance Transfer Options Available; Local Support & Fast Decisions; Classic credit card with competitive rates and reliable benefits for everyday purchases and financial flexibility. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Credit Cards	-	13.49%
Details Published APR range: 13.49 - 22.49%. Maximum Amount: $35,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 11.49% → 13.49% ▲ 2.00 pts · high 13.49% / low 11.49% Oct 10, 202613.49%▲ from 11.49% Sep 14, 202611.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Platinum Rewards Credit Card	-	13.49%
Details Published APR range: 13.49 - 22.49%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 13.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Signature Credit Card	-	13.49%
Details Published APR range: 13.49 - 20.49%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 13.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
VISA Platinum Rewards Card	-	13.49%
Details Published APR range: 13.49% - 22.49%. Earn 1 point for every $1 spent; No annual fee; 7,500 bonus points if $1,000 is spent in the first 3 months; Competitive APRs Based on Prime Rate; Balance Transfer Options Available; Local Support & Fast Decisions. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 13.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
VISA Signature Card	-	13.49%
Details Published APR range: 13.49% - 20.49%. Introductory APR for Purchases; Balance transfers 12 months; APR range 13.49% - 20.49% after introductory period; Competitive APRs Based on Prime Rate; No Annual Fees; Rewards Points That Never Expire; Balance Transfer Options Available; Local Support & Fast Decisions; Premium rewards and benefits with higher credit limits for qualified members who want maximum value and flexibility. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 13.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%

Sunmark Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	11.74%	up to 60 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Signature Credit Card	13.49%	Revolving
Details Published APR range: 13.49 - 20.49%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 13.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
VISA Signature Card	13.49%
Details Published APR range: 13.49% - 20.49%. Introductory APR for Purchases; Balance transfers 12 months; APR range 13.49% - 20.49% after introductory period; Competitive APRs Based on Prime Rate; No Annual Fees; Rewards Points That Never Expire; Balance Transfer Options Available; Local Support & Fast Decisions; Premium rewards and benefits with higher credit limits for qualified members who want maximum value and flexibility. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 13.49% APR · checked 4 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 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 14.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Personal Loans & Lines of Credit	14.49%	Revolving
Details As Low As; Maximum Amount: $25,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 14.49% APR · checked 6 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 Mortgage	7.75%	0	8.014%	30 years
Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.01% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Home Improvement & Solar Loans	-	-	9.99%	Up to 10 years
Details $10,000 maximum; credit 660 and higher Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 9.99% APR · checked 5 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 $10,001 minimum; $25,000 maximum; credit 680 and higher Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 9.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
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 10/10/2026 Rate History No change since Sep 18, 2026 · 7.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
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 10/10/2026 Rate History No change since Sep 18, 2026 · 7.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
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 10/10/2026 Rate History No change since Sep 18, 2026 · 7.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Home Improvement Loan	-	-	9.99%	Up to 10 years
Details $10,000 maximum; credit 660 and higher Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Home Improvement Loan	-	-	9.99%	Up to 15 years
Details $10,001 minimum; $25,000 maximum; credit 680 and higher Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 9.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Share Secured Loan	-	-	6.99%	5 Years
Details Secured by Share Certificate Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Share Secured Loan	-	-	4.74%	10 Years
Details Secured by Shares Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
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 10/10/2026 Rate History No change since Sep 18, 2026 · 7.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
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 10/10/2026 Rate History No change since Sep 18, 2026 · 7.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
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 10/10/2026 Rate History No change since Sep 18, 2026 · 7.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Kasasa Cash Checking - Tier 2 portion	0.25%	-	0.25%
Min Deposit $20 Min Balance $15,000 Details balance over $15,000; Balance: $15,000.01 and over Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Kasasa Saver Account Savings	-	-	3.00%
Min Deposit $1 Details Links to Kasasa Cash checking Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
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 10/10/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
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 10/10/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 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

Q2 2026 MBR Health & Safety Badge

Sunmark Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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</a>

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

Customer Reviews

There are no reviews for Sunmark Credit Union yet. Feel free to create one below.

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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%
Savings3.00%
MMA3.25%

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

Compare to Other Credit Unions

Sunmark Credit Union Rates & Review October 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

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