Rates

Savings Rates

Rates as of 3/01/2023

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 above.

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

Savings Accounts
Secure Savings Dividend Rate APY*
$50 - 4,999.99 0.050% 0.05%
$5,000 and up 0.050% 0.05%

Business Savings
$50 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.
M3 Money Club & Element Savings (Youth accounts)
$5 and up 0.100% 0.10%
Minimum balance required to earn dividends is $5.00. $5.00 minimum to open. Variable rate.
Christmas Club
$5 and up 4.89% 5.00%
Maximum monthly deposit is $2,000.  Fixed rate.
Hello Summer Savings
$5 and up 4.89% 5.00%
Maximum monthly deposit is $2,000. Fixed rate.
Money Markets
Opportunity Money Market Dividend Rate APY*
$0  0.45% 0.45%
$2,500 0.55% 0.55%
$25,000  0.65% 0.65%
$50,000 0.75% 0.75%
$100,000 and up 0.85% 0.85%
Rates apply to Opportunity money market accounts. $500 minimum to open. Minimum amount to waive monthly fee for this account is $2,500 otherwise a service fee of $10 will be charged each month. Variable rate.
Opportunity Money Market (w/ active checking account*) Dividend Rate APY*
$0 0.60% 0.60%
$2,500 0.65% 0.65%
$25,000 0.85% 0.85%
$50,000 1.00% 1.00%
$100,000 and up 1.09% 1.10%
Rates apply to Opportunity money market accounts. $500 minimum to open. Minimum amount to waive monthly fee for this account is $2,500 otherwise a service fee of $10 will be charged each month. Variable rate. *To qualify for Active Checking, you must use your debit card and have at least 10 of the following transactions clear each month: Point of Sale, ATM or credit transaction (ACH does not qualify as a transaction).
Business Money Markets
$5,000 0.85% 0.85%
$100,000 1.59% 1.60%
$250,000 1.74% 1.75%
$1,000,000 and up 1.98% 2.00%
Rates apply to Business Money Markets. $500 minimum to open account.Variable rate.
     
Checking Accounts
Account Name Rate Minimum Amount to Open
Select Checking 0% None
Senior Checking 0% None
Business Checking 0% None
Benefit Checking 0.25% - 0.40% None
Premier Checking Account 0.20% - 0.40% Municipality and Not-for Profit Accounts
Teen Checking 0% None
Smart Checking 0% $25.00
Choice Checking 0.05% $50.00
Choice Checking requires a minimum balance of $500 to earn dividends.
IRA & Share Certificates
Term Dividend Rate APY*
3 month 1.83% 1.85%
6 Month 2.47% 2.50%
12 Month 2.72% 2.75%
18 Month 2.72% 2.75%
24 Month 2.96% 3.00%
36 Month 3.20% 3.25%
48 Month 3.20% 3.25%
60 Month 3.20% 3.25%
Public Funds 12 Month Certificate 2.96% 3.00%
6 Month Business Certificate Account 2.47% 2.50%
12 Month Business Certificate Account 4.41% 4.50%
18 Month Business Certificate Account 3.69% 3.75%
24 Month Business Certificate Account  3.93% 4.00%
*Minimum balance of $500 is required to open, maintain and earn dividends. Fixed rate.
IRA & Share Certificates (Jumbo Deposit)
Term Dividend Rate APY*
Jumbo 3 Month 1.93% 1.95%
Jumbo 6 Month 2.57% 2.60%
Jumbo 12 Month 2.81% 2.85%
Jumbo 18 Month 2.81% 2.85%
Jumbo 24 Month 3.06% 3.10%
Jumbo 36 Month 3.30% 3.35%
Jumbo 48 Month 3.30% 3.35%
Jumbo 60 Month 3.30% 3.35%
*Minimum balance of $100,000 is required to open, maintain and earn dividends. Fixed rate.

 

IRA/Traditional/Roth & Coverdell (Education)
Amounts Dividend Rate APY*
$0 - and up 0.500% 0.50%
No minimum balance required to earn dividends. $50.00 minimum to open. Variable rate.

*APY = Annual Percentage Yield

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