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Personal Line of Credit
The Line of Credit rate is variable and
adjusts on a quarterly basis. The rate index used is the 11th
District Cost of Funds Index. There is a secured or unsecured
option. Another option is to use your
Home's Equity to
secure a Line of Credit. You may secure a Line of Credit
with Shares or Share Certificates. Secured Lines of Credit
have a 4% margin, unsecured Lines of Credit have a 6% margin. Opening your Line of Credit is easy.
Apply
online right now and receive an instant decision.
Loan types range from auto and boat, to
stock and a Personal Line of Credit.
New boat and RV loans can be financed for a one to 15 year
term. Used boat and RV loan terms extend from one to 12 years.
Family Federal
Education Loans and tuition loans are also available.
Instrument Loans
For an Instrument Loan, members may borrow up to 100% of the market (retail) value of a professional musical instrument.
Lifestyle Loans
A Lifestyle Loan can be used for a variety
of member needs - such as a Holiday or Vacation Expense,
Computer Purchases or Laser Eye Surgery. The rate is
determined by the term selected.
Apply Today!
SOS Loan - Sun On your Side
When payday just can't get here soon enough, Sun Federal can help! The SOS is a cost-effective alternative to payday loans. This loan is designed to make it easy to get short term credit. Choose from terms of 30, 60 or 90 days.
Call your local branch loan
officer for more details!
Brass Visa Platinum Credit Card for 16 & 17 Year Olds
Get started on the right credit path! Sun Federal offers a $250 line of credit with 9.9% APR to those 16 & 17 year old who qualify. With an adult co-signer and the Manage Debt certificate from
Guides To Independence it's a step in the right direction.
Apply Today!
Student Visa Platinum
Now young adults can have a way to learn about
managing credit and its' cost. The $600 line of credit with a 9.9% APR keeps it manageable!
Members with no credit
may apply.
Apply Today!
Credit Builder Visa Platinum
Another way members of all ages can learn about
managing credit and its' cost is with the Credit Builder Visa Platinum. The $600 line of credit with a 9.9% APR keeps it
manageable!
Apply Today!
Skip-A-Pay
Skip 2 consecutive months of loan payments
on ALL qualifying loans* on your account during the calendar
year. Use it for...gas, groceries, holiday shopping, retirement savings, pay down debt with higher interest, etc!
Don't miss out,
print out an application or visit your
local branch for futher information!
*Qualifying Loans = unsecured, personal line of credit, share secured, vehicles or other secured loans, home equity fixed, home equity line of credit.
You agree and understand that: 1) To qualify each loan has to have been opened for at least six months and current; 2) Your account is in good standing and complies with our Membership Agreement; 3) All co-signers or co-borrowers of the loan(s) must agree to the Skip-A-Pay program and sign the application; 4) If you elect to participate in the Skip-A-Pay program, you will be charged an annual fee of $50 per account. If you do skip a payment you will not be charged any additional fee in connection with that skipped payment; 5) The annual fee must be paid or added to one loan prior to processing the annual Skip-A-Pay request; 6) The Skip-A-Pay option can only be taken once per calendar year and three months of timely payments must be made between requests that occur in different calendar years and 7) The maximum number of skips over the life of each loan is 3 annual which equates to 6 monthly payments per loan.
By signing the application, you agree and understand deferring your payment(s) will result in your having to pay higher total finance charges than if you made your payment(s) as originally scheduled. The payment(s) deferral will extend the terms of your loan(s) and you will have to make extra payment(s) after your loan(s) would otherwise have been paid off. If your loan(s) are paid via payroll deduction or other automatic deductions, the deductions will still occur. The amount of your deduction normally applied to your loan(s) will remain in the deposit account in the months skipped.
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