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All Sun East Rates

Certificates / IRA Certificates

Term A penalty may be imposed for early withdrawal. In addition to Sun East's early withdrawal penalty, the Internal Revenue Service may also impose an early withdrawal penalty. IRAs are subject to contribution limits. Visit www.irs.gov for more information. Rates are subject to change without notice.Initial DepositDividend Rate APY APY = Annual Percentage Yield. APY assumes that dividends are reinvested. Withdrawal of dividends will reduce earnings. Earnings may be reduced if fees are incurred. Please refer to your Depository Agreement and Disclosures for more detailed savings information.
9 Month Special Annual Percentage Yield (APY) as of 01/23/19. Penalty for early withdrawals. After the initial term, certificate will renew automatically into the 12 month certificate and earn the APY offered at that time. Rate subject to change without notice. Minimum opening deposit is $500. $5002.08%2.10%
9 Month Special - New Money Only Annual Percentage Yield (APY) as of 1/23/19. Penalty for early withdrawals. After the initial term, certificate will renew automatically into the 12 month certificate and earn the APY offered at that time. Rate subject to change without notice. Minimum opening deposit is $500. (New Money Only)$5002.37%2.40%
3 Months$5000.75%0.75%
6 Months$5001.59%1.60%
12 months$5002.47%2.50%
18 Months$5002.57%2.60%
24 Months$5002.62%2.65%
30 Months$5002.67%2.70%
36 Months$5002.72%2.75%
60 Months$5002.96%3.00%
3 Month Jumbo$99,0000.85%0.85%
6 Month Jumbo$99,0001.69%1.70%
12 Month Jumbo$99,0002.57%2.60%
18 Months Jumbo$99,0002.67%2.70%
24 Month Jumbo$99,0002.72%2.75%
30 Month Jumbo$99,0002.77%2.80%
36 Month Jumbo$99,0002.82%2.85%
60 Month Jumbo$99,0003.06%3.10%
6 Month Youth Certificate A penalty may be imposed for early withdrawal.$2501.59%1.60%
12 Month Youth Certificate A penalty may be imposed for early withdrawal.$2502.47%2.50%
Term A penalty may be imposed for early withdrawal. In addition to Sun East's early withdrawal penalty, the Internal Revenue Service may also impose an early withdrawal penalty. IRAs are subject to contribution limits. Visit www.irs.gov for more information. Rates are subject to change without notice.
APY APY = Annual Percentage Yield. APY assumes that dividends are reinvested. Withdrawal of dividends will reduce earnings. Earnings may be reduced if fees are incurred. Please refer to your Depository Agreement and Disclosures for more detailed savings information.
9 Month Special Annual Percentage Yield (APY) as of 01/23/19. Penalty for early withdrawals. After the initial term, certificate will renew automatically into the 12 month certificate and earn the APY offered at that time. Rate subject to change without notice. Minimum opening deposit is $500.
9 Month Special - New Money Only Annual Percentage Yield (APY) as of 1/23/19. Penalty for early withdrawals. After the initial term, certificate will renew automatically into the 12 month certificate and earn the APY offered at that time. Rate subject to change without notice. Minimum opening deposit is $500. (New Money Only)
6 Month Youth Certificate A penalty may be imposed for early withdrawal.
12 Month Youth Certificate A penalty may be imposed for early withdrawal.

Savings Rates

Accounts Rates are subject to change without noticeInitial DepositMinimum Balance Required to Earn DividendsDividend RateAPY APY = Annual Percentage Yield. APY assumes that dividends are reinvested. Withdrawal of dividends will reduce earnings. Earnings may be reduced if fees are incurred. Please refer to your Depository Agreement and Disclosures for more detailed savings information. Effective 5/1/2019. Rates are subject to change without notice.
Savings Account$5$0.01 - $999.990.02%0.02%
$1,000 - $4,999.990.04%0.04%
$5,000 - $9,999.990.06%0.06%
$10,000 and Over0.08%0.08%
uSave Interest Checking$5$500 - $9,999.990.10% 0.10%
$10,000 - $49,999.99 0.10%0.10%
$50,000 - $99,999.99 0.15%0.15%
$100,000 and Over0.20%0.20%
Premium Business Checking$5$500 - $9,999.99 0.10%0.10%
$10,000 - $24,999.99 0.10%0.10%
$25,000 - $99,999.99 0.15%0.15%
$100,000 and over 0.20%0.20%
Classic Money Market Account$2,500$2,5000.10%0.10%
MAX-Yield Money Market Account - New Money Only Limited time offer; effective 05/01/19. $7,000$7,000 - $250,000 Max1.98%2.00% Annual Percentage Yield (APY) as of 05/01/19; valid on new money only. Early withdrawal, account closure, and/or failure to maintain minimum deposit could result in decreased earnings. After the initial 7 month promotional term, the MAX-Yield MMA and corresponding promotional APY will then revert to a Classic MMA with the corresponding account terms and then-current APY.
Premier Money Market Account$25,000$25,000 - $49,999.990.60%0.60%
$50,000 - $74,999.990.70%0.70%
$75,000 - $99,999.990.80%0.80%
$100,000 and Over0.90%0.90%
Performance Money Market Account$250,000$250,000 and Over1.05%1.05%
Holiday ClubJanuary through 3rd Saturday in October$.01.04%.04%
Vacation ClubNot Applicable$.01-$999.99.02%.02%
$1,000-$4,999.99.04%.04%
$5,000-$9,999.99.06%.06%
$10,000 and Over.08%.08%
Variable IRA Dividend Rate and Annual Percentage Yield applicable to this account are variable. The dividend rate and APY may change daily as determined by the Board of Directors. There are no limitations on the amount the dividend rate may change. A penalty may be imposed for early withdrawal. In addition to Sun East's early withdrawal penalty, the Internal Revenue Service may also impose an early withdrawal penalty. IRAs are subject to contribution limits. Visit www.irs.gov for more information.$.01$.01.25%.25%
Accounts Rates are subject to change without notice
APY APY = Annual Percentage Yield. APY assumes that dividends are reinvested. Withdrawal of dividends will reduce earnings. Earnings may be reduced if fees are incurred. Please refer to your Depository Agreement and Disclosures for more detailed savings information. Effective 5/1/2019. Rates are subject to change without notice.
MAX-Yield Money Market Account - New Money Only Limited time offer; effective 05/01/19.
2.00% Annual Percentage Yield (APY) as of 05/01/19; valid on new money only. Early withdrawal, account closure, and/or failure to maintain minimum deposit could result in decreased earnings. After the initial 7 month promotional term, the MAX-Yield MMA and corresponding promotional APY will then revert to a Classic MMA with the corresponding account terms and then-current APY.
Variable IRA Dividend Rate and Annual Percentage Yield applicable to this account are variable. The dividend rate and APY may change daily as determined by the Board of Directors. There are no limitations on the amount the dividend rate may change. A penalty may be imposed for early withdrawal. In addition to Sun East's early withdrawal penalty, the Internal Revenue Service may also impose an early withdrawal penalty. IRAs are subject to contribution limits. Visit www.irs.gov for more information.

Home Equity Term Loan Rates

Loan TypeLoan TermLoan AmountAPR as low as APR = Annual Percentage Rate; effective 6/17/19 and subject to change without notice. APR includes .25% discount for Automatic Payment Transfer from Sun East checking. Loan rates are determined by member's creditworthiness as well as other factors including term of the loan, line requested and loan-to-value ratio. Top tier rates listed are available to highly credit-qualified individuals.Cost Per Thousand Cost-per-thousand borrowed does not include amounts for taxes, titles, insurance premiums or other additional costs, if applicable. Effective 6/17/19 and subject to change without notice.
Fixed 1st Lien1 - 10 YearsMinimum Loan $10,0004.50%$10.39 (Based on 120-month term)
Fixed 1st Lien11 - 20 YearsMinimum Loan $35,0004.55%$6.37 (Based on 240-month term)
Fixed 2nd Lien1 - 10 YearsMinimum Loan $10,0005.50%$10.88 (Based on 120-month term)
Fixed 2nd Lien11 - 20 YearsMinimum Loan $35,0005.57%$6.94 (Based on 240-month term)
APR as low as APR = Annual Percentage Rate; effective 6/17/19 and subject to change without notice. APR includes .25% discount for Automatic Payment Transfer from Sun East checking. Loan rates are determined by member's creditworthiness as well as other factors including term of the loan, line requested and loan-to-value ratio. Top tier rates listed are available to highly credit-qualified individuals.
Cost Per Thousand Cost-per-thousand borrowed does not include amounts for taxes, titles, insurance premiums or other additional costs, if applicable. Effective 6/17/19 and subject to change without notice.

Personal Loan Rates

Loan TermLoan AmountAPR as low as APR = Annual Percentage Rate; effective 4/30/2019 and subject to change without notice. APR includes .25% discount for Automatic Payment Transfer from Sun East checking. Loan rates are determined by member's creditworthiness as well as other factors including term of the loan, line requested and loan to- value ratio. Top tier rates listed are available to highly credit-qualified individuals. Cost Per Thousand Borrowed Cost-per-thousand borrowed does not include amounts for taxes, titles, insurance premiums or other additional costs, if applicable. Subject to change without notice.
12 to 24 MonthsMinimum Loan $1,5008.00%$45.38 (Based on 24-month term)
25 to 48 MonthsMinimum Loan $3,0008.25%$24.62 (Based on 48-month term)
49 to 60 MonthsMinimum Loan $5,0008.75%$20.72 (Based on 60-month term)
61 to 72 MonthsMinimum Loan $10,0009.75%$18.48 (Based on 72-month term)
APR as low as APR = Annual Percentage Rate; effective 4/30/2019 and subject to change without notice. APR includes .25% discount for Automatic Payment Transfer from Sun East checking. Loan rates are determined by member's creditworthiness as well as other factors including term of the loan, line requested and loan to- value ratio. Top tier rates listed are available to highly credit-qualified individuals.
Cost Per Thousand Borrowed Cost-per-thousand borrowed does not include amounts for taxes, titles, insurance premiums or other additional costs, if applicable. Subject to change without notice.

Recreational Loan Rates

Loan TypeLoan TermLoan AmountAPR as low as Annual Percentage Rate; effective 4/30/2019 and subject to change without notice. APR includes .25% discount for Automatic Payment Transfer from Sun East checking. Loan rates are determined by member's creditworthiness as well as other factors including term of the loan, line requested and loan-to-value ratio. Top tier rates listed are available to highly credit-qualified individuals.Cost Per Thousand Borrowed Cost-per-thousand borrowed does not include amounts for taxes, titles, insurance premiums or other additional costs, if applicable. Subject to change without notice
Boats and RVs24 to 60 MonthsMinimum Loan $5,0006.74%$19.74 (Based on 60-month term)
Boats and RVs24 to 84 MonthsMinimum Loan $25,0006.99%$15.14 (Based on 84-month term)
Boats and RVs24 to 120 MonthsMinimum Loan $50,000 - Maximum Loan $150,0007.24%$11.78 (Based on 120-month term)
Motorcycle, ATV, and Personal Watercraft24 to 48 MonthsMinimum Loan $2,5006.49%$23.78 (Based on 48-month term)
Motorcycle, ATV, and Personal Watercraft24 to 60 MonthsMinimum Loan $5,0006.74%$19.74 (Based on 60-month term)
Motorcycle, ATV, and Personal Watercraft24 to 72 MonthsMinimum Loan $10,000 - Maximum Loan $35,0006.99%$17.10 (Based on 72-month term)
APR as low as Annual Percentage Rate; effective 4/30/2019 and subject to change without notice. APR includes .25% discount for Automatic Payment Transfer from Sun East checking. Loan rates are determined by member's creditworthiness as well as other factors including term of the loan, line requested and loan-to-value ratio. Top tier rates listed are available to highly credit-qualified individuals.
Cost Per Thousand Borrowed Cost-per-thousand borrowed does not include amounts for taxes, titles, insurance premiums or other additional costs, if applicable. Subject to change without notice

Home Equity Lines of Credit (HELOC) Rates

TermsLoan AmountAPR as low as APR = Annual Percentage Rate; effective 4/30/19 and subject to change without notice. Loan rates are determined by member's creditworthiness as well as other factors including term of the loan, line requested and loan-to- value ratio. Top tier rates listed are available to highly credit-qualified individuals.Cost Per Thousand Cost-per-thousand borrowed does not include amounts for taxes, titles, insurance premiums or other additional costs, if applicable.
10 Year Draw, Followed By 10 Year RepaymentMinimum Loan $10,000As low As 5.00% (Prime minus .50% with a minimum APR [or floor] of 4%)Variable
APR as low as APR = Annual Percentage Rate; effective 4/30/19 and subject to change without notice. Loan rates are determined by member's creditworthiness as well as other factors including term of the loan, line requested and loan-to- value ratio. Top tier rates listed are available to highly credit-qualified individuals.
Cost Per Thousand Cost-per-thousand borrowed does not include amounts for taxes, titles, insurance premiums or other additional costs, if applicable.

Share Secured Loan Rates

Loan TypeLoan TermAPR as low as APR = Annual Percentage Rate; effective 4/30/2019 and subject to change without notice. Loan rates are determined by member's creditworthiness as well as other factors including term of the loan, line requested and loanto- value ratio. Top tier rates listed are available to highly credit-qualified individuals.
Certificate SecuredUp to 60 MonthsCertificate Rate + 3.00%, Floor of 5.00%, 100% LTV (Loan Maturity Date = Certificate Maturity Date)
Share SecuredUp to 60 MonthsShare Rate + 3.00%, Floor of 5.00%, 100% LTV
APR as low as APR = Annual Percentage Rate; effective 4/30/2019 and subject to change without notice. Loan rates are determined by member's creditworthiness as well as other factors including term of the loan, line requested and loanto- value ratio. Top tier rates listed are available to highly credit-qualified individuals.

Vehicle Loan Rates

Model YearLoan TermLoan AmountAPR as low as Annual Percentage Rate; effective 4/30/2019 and subject to change without notice. APR includes .25% discount for Automatic Payment Transfer from Sun East checking. Loan rates are determined by member's creditworthiness as well as other factors including term of the loan, line requested and loan-to- value ratio. Top tier rates listed are available to highly credit-qualified individuals.Cost Per Thousand Borrowed Cost-per-thousand borrowed does not include amounts for taxes, titles, insurance premiums or other additional costs, if applicable. Effective 4/30/2019. Subject to change without notice.
2018 and Newer (Un-Titled)Up to 66 MonthsMinimum Loan $5,0003.44%$16.68 (Based on 66-month term)
2018 and Newer (Un-Titled)67 to 75 Months Minimum Loan $25,0003.64%$14.96 (Based on 75-month term)
2018 and Newer (Un-Titled)76 to 84 Months Minimum Loan $40,0004.54%$13.95 (Based on 84-month term)
2018 and Newer (Un-Titled)85 to 96 Months Minimum Loan $65,0005.44%$12.91 (Based on 96-month term)
2018 and Older (Previously Titled)Up to 66 Months Minimum Loan $5,0003.69%$16.80 (Based on 66-month term)
2018 and Older (Previously Titled)67 to 75 Months Minimum Loan $25,0003.89%$15.07 (Based on 75-month term)
2018 and Older (Previously Titled)76 to 84 Months Minimum Loan $40,0004.79%$14.07 (Based on 84-month term)
2018 and Older (Previously Titled)85 to 96 Months Minimum Loan $65,0005.69%$13.03 (Based on 96-month term)
APR as low as Annual Percentage Rate; effective 4/30/2019 and subject to change without notice. APR includes .25% discount for Automatic Payment Transfer from Sun East checking. Loan rates are determined by member's creditworthiness as well as other factors including term of the loan, line requested and loan-to- value ratio. Top tier rates listed are available to highly credit-qualified individuals.
Cost Per Thousand Borrowed Cost-per-thousand borrowed does not include amounts for taxes, titles, insurance premiums or other additional costs, if applicable. Effective 4/30/2019. Subject to change without notice.