Rates & Fees

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Savings Rates

Rates as of 9/1/17

This Savings Rate Schedule states the rate applicable to specified accounts and fees common to all accounts.  This schedule is incorporated as a part of your account agreement with Sun Community Federal Credit Union.

For purposes of this disclosure, the dividend rate and annual percentage yields stated for the term share accounts were offered within the most recent seven calendar days and were accurate as of the date shown below.

For further information on applicable fees and terms, contact a Member Service Representative.

Savings Accounts
  Dividend Rate APY*
Secure, Special & Business Savings
$50 - 4,999.99 0.050% 0.05%
$5,000 and up 0.050% 0.05%
Minimum balance required to earn dividends is $50.00. Rates apply to regular, special, merchant & business savings accounts. $5.00 minimum to open. Variable rate.
Secure Safari & Secure Star Savings
$5 and up 0.500% 0.50%
Minimum balance required to earn dividends is $5.00. $5.00 minimum to open. Variable rate.
Christmas Club
$5 and up 0.750% 0.75%
Enrollment period Nov. 1 - Jan. 31. Maturity Date Oct. 31. Dividend Declaration Date Nov. 1. Maximum monthly deposit is $2,000. $5.00 minimum to open. Fixed rate.
Hello Summer Savings
$5 and up 0.850% 0.85%
Maturity Date June 30. Dividend Declaration Date July 1. Maximum monthly deposit is $2,000. $5.00 minimum to open. Fixed rate.
Super & Business Money Market
  Dividend Rate APY*
$0 - $ 1,499.99 0.000% 0.00%
$1500 - $999,999.99 0.250% 0.25%
$1,000,000 and up 0.350% 0.35%
Minimum balance required to earn dividends is $1,500. Rates apply to super, merchant & business money market accounts. $1,500 minimum to open. Variable rate.
IRA/Traditional/Roth & Coverdell (Education)
  Dividend Rate APY*
$0 - $ 1,499.99 0.150% 0.15%
$1,500 - $ 9,999.99 0.150% 0.15%
$10,000 - $24,999.99 0.150% 0.15%
$25,000 - $49,999.99 0.150% 0.15%
$50,000 - $99,999.99 0.150% 0.15%
$100,000 and up 0.150% 0.15%
No minimum balance required to earn dividends. $50.00 minimum to open. Variable rate.
Checking Accounts
Account Name Rate Minimum Amount to Open
Select Checking 0% None
Senior Checking 0% None
Non-profit Checking 0% None
Business Checking 0% $100.00
Teen Checking 0% None
Smart Checking 0% $25.00
Choice Checking 0.25% $50.00
Choice Checking requires a minimum balance of $500 to earn dividends.
Public Funds 12 Month Certificate Account
  Dividend Rate APY*
  0.250% 0.25%
Minimum balance of $500 is required to open, maintain and earn dividends. Fixed rate.
IRA & Term Share Certificate
Term Dividend Rate APY*
6 Month 0.650% .65%
12 Month 0.850% .85%
24 Month 1.260% 1.27%
36 Month 1.500% 1.51%
48 Month 1.850% 1.87%
60 Month 2.050% 2.07%
*Minimum balance of $500 is required to open, maintain and earn dividends. Fixed rate.
Jumbo IRA & Term Share
Term Dividend Rate APY*
Jumbo 6 Month 0.650% .65%
Jumbo 12 Month 0.850% .85%
Jumbo 24 Month 1.260% 1.27%
Jumbo 36 Month 1.500% 1.51%
Jumbo 48 Month 1.850% 1.87%
Jumbo 60 Month 2.050% 2.07%
*Minimum balance of $100,000 is required to open, maintain and earn dividends. Fixed rate.

*APY = Annual Percentage Yield