SunFederalCreditUnion
 
 Auto
(2000 & newer)
5.49% APR*
 Auto
(older than 2000)
11.24% APR*
 Tuition 11.24% APR*
 Home Equity 
  
as low as
5.75% APR*
 Mortgage Call for details.
See our Specials
 Certificates
   as high as
3.04% APY
*As low as. View all rates here.
APY=Annual Percentage Yield APR=Annual Percentage Rate

Web Sites Offering  Government Grant Money Are Bogus
Con artists are creating phony Web sites that promise government grants for just about anything and because it is a "grant, the money is free and never has to be repaid." Read more

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Beware of Bogus IRS Phishing Scam!
A bogus e-mail that appears to be from the Internal Revenue Service (IRS) is making the rounds. It tells recipients they are about to be audited or are due a big refund. Read more

 

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Click here to visit Sun Federal's Member Protection page for information on how to protect yourself from these and other scams.

 

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Report lost/stolen
credit cards

To report a lost or stolen card outside of business hours:

Visa Credit Card
(800) 991-4961
ATM Visa Check Card
(800) 523-4175

 
 
 
 
 

 

Vehicle Loans
Auto Loans
Motorcycle Loans
Boat and RV Loans

Home Loans
Home Equity Loans
Mortgages

Credit Cards
Visa Platinum Card
Brass Visa Platinum Card
Student Visa Platinum
Credit Builder Visa Platinum

Personal & Other Loans
Instrument Loans
Lifestyle Loans
Overdraft Protection
Personal Loans
SOS Loan
Student Loans

Related Services
Collateral Insurance Requirement
Loan Payment Protection
Payroll Deduction
Rates
Skip-A-Pay

Loan Calculators

Member Driven Loan Pricing

Sun Federal Credit Union is pleased to offer Member Driven Loan Pricing on all titled vehicle and signature loans. The rate a member pays is determined by specific credit history and various application attributes.

 

Members with good credit histories will receive our very best rates and members who may have had past credit challenges will be assigned rates consistent with their individual credit histories. Member Driven Loan Pricing enables Sun Federal to offer loans to more members than ever before.

 

As always, Sun Federal offers a wide range of loan products with flexible options to help you reach your financial dreams. For your protection, we also offer several insurance products.

 


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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NCUA  ESI  EHL 
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the
United States Government by the National Credit Union Administration, a U.S. Government Agency.
Your Savings Insured for an Additional $250,000 by Excess Share Insurance, the Nation's Largest Private Deposit Insurer.
Sun Federal is an Equal Housing Lender. 
PRIVACY POLICY