| IRA Share Account |
| Effective Date: Friday, June 9th, 2023 |
| Investment | Dividend 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 |
| Term | APY Compounding | APY 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 |
| Category | Year(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 Loan | Term | *APR (Annual Percentage Rate) Based on as low as | Example 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 |
| Category | Term | *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 Classic | MasterCard 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 as | Term |
| 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 |
| Amount | APR* (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 |
| Term | APR* (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 |
| Term | APR* (Annual Percentage Rate) | APY** (Annual Percentage Rate) |
| 12 months |
.40% |
.40% |
| *Annual Percentage Rate **Annual Percentage Yield |
