Rates

IRA Share Account
Effective Date: Friday, June 9th, 2023
InvestmentDividend Rate*APY** (Annual Percentage Rate)
$250 - $9,999 0.15% APR 0.15% APY
$10,000 - $24,999 0.20% APR 0.20% APY
$25,000 & up 0.25% APR 0.25% APY
**APY=Annual Percentage Yield. Rates may change at any time. Members will forfeit dividends if accounts closed before accrued dividends are posted. Contact us for more information. Fees may reduce earnings on these accounts. If you are looking for more IRA Investment options, check out our Certificate of Deposit rates. 

Certificate Accounts
Effective Date: Friday, June 9th, 2023
TermAPY CompoundingAPY Non-Compounding
3 months 0.05% 0.05%
6 months 0.20% 0.20%
12 months 0.40% 0.40%
24 months 0.50% 0.50%
36 months 0.75% 0.75%
48 months 0.85% 0.84%
60 Months 0.95% 0.94%
APY (Annual Percentage Yield)
25 Month Special Non-Renewable 2.79% 2.75%
Certificate Account. Statement cycle is quarterly- jan-Mar, Apr-jun, Jul-Sept, Oct-Dec. Term-opened ended. Automatically renew for current rate and term minimum Balance for 3 months $250-6 months or more $1,000. Additional deposits during term: 3 months $250-6 Months or more $500. Early withdrawal penalty one (1) year or less 90 days- one (1) year or more 180 days. Rates are subject to change at any time.
7 Month Special 4.00% n/a
Current & New Money. 3.92% is a 4.00% APY.Minimum $1,000 deposit with additional deposit minimum $500. 7 month non-renewable pays at share maturity.

Automobile and Motorcycles
Effective Date: Friday, June 9th, 2023
CategoryYear(s)Term APR (Annual Percentage Rate) based on as low as
Automobile  2020- 2023 Up to 61 Months 5.74% APR

Automobile

2020 - 2023 62 to 73 Months 6.24% APR

Automobile

2020 - 2023 74 to 84 Months 6.99% APR

Automobile

2015 - 2019 Up to 61 Months 5.99% APR

Automobile

2015 - 2019 62 to 73 Months 6.75% APR

Automobile

2012 - 2014 Up to 61 Months 6.75% APR

Automobile

2012 - 2014 Up to 73 Months 6.99% APR
Automobile 2011 & Older Up to 37 Months 6.99% APR
*Annual Percentage Rate. **Apply to purchases only. Rates are subject to change at any time. Rates are as low as.
Automobile 2011& older Up to 61 Months 7.49% APR
Motorcycle Titled Up to 61 months 7.25% APR
Motorcycle Titled Up to 73 Months 8.50% APR

Signature Loans
Effective Date: Friday, June 9th, 2023
Signature LoanTerm*APR (Annual Percentage Rate) Based on as low asExample Payment (on $1,000)
Signature Loan  14-25 Months 9.500% APR $44.43
Signature Loan 26-43 Months 9.750% APR $27.77
Signature Loan 44-60 Months 9.990% APR $21.34
*Annual Percentage Rate
Signature Loan 13 Months 9.240% APR $81.46

Home Equity Loan Rates
Effective Date: Friday, June 9th, 2023
CategoryTerm*APR (Annual Percentage Rate) Based on as low as
Home Equity (Fixed) Up to 95% LTV 60 Months 6.50% APR
Home Equity (Fixed) Up to 90% LTV 120 Months 7.50% APR
*Annual Percentage Rate.  APR based on $100,000 loan amount. credit score of 730, and estimated cost of $900 in closing fees. Rates may change at any time. Must meet SFCU's normal underwriting qualifications to be approved. Contact SFCU for details. no loan application fees apply. Eqaul Opportunity Lender. For application. as part of the closing procedures Sunrise  Family Credit Union will acquire a security interest in the property. Payment is calculated on 1.5% of the balance or $20 ,  which ever is greater. HELOC rates are variable and based on the index rate.

Credit Cards
MasterCard ClassicMasterCard Gold
Annual Percentage Rate (APR) for Purchases 8.99% APR 8.99% APR
Other APRs (Annual Percentage Rate) None None
- Balance Transfer APR (Annual Percentage Rate) 8.99% APR 8.99% APR
- Cash Advance APR (Annual Percenatge Rate) 8.99% APR 8.99% APR
- Penalty APR (Annual Percentage Rate) 8.99% APR 8.99% APR
Variable Rate Information Your APR (Annual Percentage Rate) will not vary, it is not a variable rate. Your APR (Annual Percentage Rate) will not vary, is not a variable rate.
Grace Period for repayment of balances for purchases 25 days  25 days 
Method of computing the balance for purchases Average daily balance (including new purchases) Average daily balance (including new purchases)
Annual Fee None None
Minimum finance charge None None
Transaction fee for cash advances None None
Balance transfer fee None None
Late payment fee charged on the 10th day $25.00 $25.00

Featured Rates
Effective Date: Friday, June 9th, 2023
Rate as low asTerm
Home Equity Loan 6.50% APR

60 months

First Mortgage  

10 year fixed

Certificate of Deposit 0.40%

12 months

Money Market
Effective Date: 11/4/19
AmountAPR* (Annual Percentage Rate)APY** (Annual Percentage Rate)
$2000 -$9,999 0.10% 0.10%
$10,000 - $24,999 0.15% 0.15%
$25,000 -and up 0.20% 0.20%
*Annual Percentage Rate **Annual Percentage Yield

Young Savers (Thru age 21)
Effective Date: 11/4/19
TermAPR* (Annual Percentage Rate)APY** (Annual Percentage Rate)
6 months .40% 040%
(Minimum deposit of $100. Maximum deposit of $2,500) New Money only
*Annual Percentage Rate **Annual Percentage Yield

SAVE TO WIN
Effective Date: 11/4/19
TermAPR* (Annual Percentage Rate)APY** (Annual Percentage Rate)
12 months .40% .40%
*Annual Percentage Rate **Annual Percentage Yield

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