IMPORTANT FRAUD ALERT I We have been made aware of fraudulent calls and text messages impersonating Sun East employees and appearing to have come from our phone number. Please be advised that Sun East will NEVER call or text asking for any portion of your Credit or Debit Card Number, PIN, or any other personal identification information. If you receive a suspicious call or text claiming to be from Sun East, please contact us directly at 610-485-2960. /// HIGH CALL VOLUME | We recognize the current high call volume. Account access is available through Online and Mobile Banking, at any Sun East ATM, and through SUNNY, the 24-hour Bank By Phone System, at 610-485-6800. Features such as eStatements, Auto Payment Transfer, Loan Pay, and Bill Pay can help with timeliness and convenience. If you are calling about an application for a Certificate, please allow a minimum of five (5) business days to process your application. Our Member Service Representatives are working quickly to assist members. We appreciate your cooperation and patience as hold times may vary.

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All Sun East Rates

Conforming Mortgage Loan Amounts from $50,000 to $647,200

TermRate The Interest Rate is the cost paid each year to borrow money, expressed as a percentage rate. It does not reflect fees or any other changes you may have to pay for the loan.APR as low as APR = Annual Percentage Rate; effective 09/29/22 and subject to change without notice. The APR is a broader measure of the cost to you of borrowing the money. The APR reflects not only the interest rate, but also any points, fees paid at closing, and other charges that you have to pay to get the loan. For that reason, the APR is usually higher than the Interest Rate. Your final APR may vary based on your final loan amount and finance charges. Points For other options with points, please call 610-485-2960 x751.
10 Year Fixed6.125%6.397%0
15 Year Fixed6.125%6.318%0
20 Year Fixed6.800%6.958%0
30 Year Fixed6.875% 6.996%0
3/1 ARM3.750%5.652%0
5/1 ARM4.000%5.436%0
5/5 ARM4.250%5.672%0
7/5 ARM4.500%5.436%0
Rate The Interest Rate is the cost paid each year to borrow money, expressed as a percentage rate. It does not reflect fees or any other changes you may have to pay for the loan.
APR as low as APR = Annual Percentage Rate; effective 09/29/22 and subject to change without notice. The APR is a broader measure of the cost to you of borrowing the money. The APR reflects not only the interest rate, but also any points, fees paid at closing, and other charges that you have to pay to get the loan. For that reason, the APR is usually higher than the Interest Rate. Your final APR may vary based on your final loan amount and finance charges.
Points For other options with points, please call 610-485-2960 x751.

Jumbo Mortgage Loan Amounts greater than $647,200

TermRate The Interest Rate is the cost paid each year to borrow money, expressed as a percentage rate. It does not reflect fees or any other changes you may have to pay for the loan.APR as low as APR = Annual Percentage Rate; effective 09/29/22 and subject to change without notice. The APR is a broader measure of the cost to you of borrowing the money. The APR reflects not only the interest rate, but also any points, fees paid at closing, and other charges that you have to pay to get the loan. For that reason, the APR is usually higher than the Interest Rate. Your final APR may vary based on your final loan amount and finance charges. Points For other options with points, please call 610-485-2960 x751.
15 Year Fixed6.250%6.604%1.000
30 Year Fixed7.000%7.299%1.000
Rate The Interest Rate is the cost paid each year to borrow money, expressed as a percentage rate. It does not reflect fees or any other changes you may have to pay for the loan.
APR as low as APR = Annual Percentage Rate; effective 09/29/22 and subject to change without notice. The APR is a broader measure of the cost to you of borrowing the money. The APR reflects not only the interest rate, but also any points, fees paid at closing, and other charges that you have to pay to get the loan. For that reason, the APR is usually higher than the Interest Rate. Your final APR may vary based on your final loan amount and finance charges.
Points For other options with points, please call 610-485-2960 x751.

FHA / VA Loans

TermRate The Interest Rate is the cost paid each year to borrow money, expressed as a percentage rate. It does not reflect fees or any other changes you may have to pay for the loan.APR as low as APR = Annual Percentage Rate; effective 09/29/22 and subject to change without notice. The APR is a broader measure of the cost to you of borrowing the money. The APR reflects not only the interest rate, but also any points, fees paid at closing, and other charges that you have to pay to get the loan. For that reason, the APR is usually higher than the Interest Rate. Your final APR may vary based on your final loan amount and finance charges. Points For other options with points, please call 610-485-2960 x751.
15 Year Fixed FHA 6.125%7.584%1.000
30 Year Fixed FHA 6.625%7.858%1.000
30 Year Fixed VA 6.625%7.858%1.000
Rate The Interest Rate is the cost paid each year to borrow money, expressed as a percentage rate. It does not reflect fees or any other changes you may have to pay for the loan.
APR as low as APR = Annual Percentage Rate; effective 09/29/22 and subject to change without notice. The APR is a broader measure of the cost to you of borrowing the money. The APR reflects not only the interest rate, but also any points, fees paid at closing, and other charges that you have to pay to get the loan. For that reason, the APR is usually higher than the Interest Rate. Your final APR may vary based on your final loan amount and finance charges.
Points For other options with points, please call 610-485-2960 x751.

Vehicle Loan Rates

Loan TermLoan AmountAPR as low as Annual Percentage Rate; effective 08/01/22 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 08/01/22. Subject to change without notice.
Up to 66 MonthsMinimum Loan $5,0004.74%$17.24 (Based on 66-month term)
67 to 75 Months Minimum Loan $25,0004.99%$15.55 (Based on 75-month term)
76 to 84 Months Minimum Loan $40,0005.99%$14.60 (Based on 84-month term)
85 to 96 Months Minimum Loan $65,0008.34%$14.31 (Based on 96-month term)
APR as low as Annual Percentage Rate; effective 08/01/22 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 08/01/22. Subject to change without notice.

Recreational Loan Rates

Loan TypeLoan TermLoan AmountAPR as low as Annual Percentage Rate; effective 05/02/22 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
Boats24 to 60 MonthsMinimum Loan $5,0006.49%$19.56 (Based on 60-month term)
Boats61 to 84 MonthsMinimum Loan $25,0006.79%$14.99 (Based on 84-month term)
Boats85 to 120 MonthsMinimum Loan $50,000 - Maximum Loan $150,0007.04%$11.63 (Based on 120-month term)
Recreational Vehicles (RV)24 to 60 MonthsMinimum Loan $5,0004.99%$18.87 (Based on 60-month term)
Recreational Vehicles (RV)61 to 84 MonthsMinimum Loan $25,0005.24%$14.25 (Based on 84-month term)
Recreational Vehicles (RV)85 to 120 MonthsMinimum Loan $50,0005.49%$10.85 (Based on 120-month term)
Recreational Vehicles (RV)121 to 180 MonthsMinimum Loan $75,000 - Maximum Loan $150,0005.74%$8.30 (Based on 180-month term)
Motorcycle, ATV, and Personal Watercraft24 to 48 MonthsMinimum Loan $2,5006.29%$23.62 (Based on 48-month term)
Motorcycle, ATV, and Personal Watercraft49 to 60 MonthsMinimum Loan $5,0006.54%$19.58 (Based on 60-month term)
Motorcycle, ATV, and Personal Watercraft61 to 72 MonthsMinimum Loan $10,000 - Maximum Loan $35,0006.79%$16.95 (Based on 72-month term)
APR as low as Annual Percentage Rate; effective 05/02/22 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 Term Loan Rates

Loan TypeLoan TermLoan AmountAPR as low as APR = Annual Percentage Rate; effective 09/12/22 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 09/12/22 and subject to change without notice.
Fixed 1st Lien1 - 5 YearsMinimum Loan $10,0004.74%$18.75 (Based on 60-month term)
Fixed 1st Lien6 - 10 YearsMinimum Loan $10,0005.45%$10.83 (Based on 120-month term)
Fixed 1st Lien11 - 15 YearsMinimum Loan $35,0005.90%$8.38 (Based on 180-month term)
Fixed 1st Lien16 - 20 YearsMinimum Loan $35,0005.90%$7.11 (Based on 240-month term)
Fixed 2nd Lien1 - 5 YearsMinimum Loan $10,0005.87%$19.27 (Based on 60-month term)
Fixed 2nd Lien6 - 10 YearsMinimum Loan $10,0006.81%$11.51 (Based on 120-month term)
Fixed 2nd Lien11 - 15 YearsMinimum Loan $35,0007.49%$9.26 (Based on 180-month term)
Fixed 2nd Lien16 - 20 YearsMinimum Loan $35,0007.49%$8.05 (Based on 240-month term)
APR as low as APR = Annual Percentage Rate; effective 09/12/22 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 09/12/22 and subject to change without notice.

Home Equity Line of Credit (HELOC) Rates

TermsLoan AmountAPR as low as APR = Annual Percentage Rate; effective 08/01/22 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 $10,000Intro Rate = 1.99% for Six Months.
After Intro, APR as low as 5.00%.
Variable
APR as low as APR = Annual Percentage Rate; effective 08/01/22 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.

Personal Loan Rates

Loan TermLoan AmountAPR as low as APR = Annual Percentage Rate; effective 08/01/22 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 35 MonthsMinimum Loan $1,000 - Maximum Loan $35,0008.74%$32.47 (Based on 35-month term)
36 to 59 MonthsMinimum Loan $3,000 - Maximum Loan $35,0009.99%$21.52 (Based on 59-month term)
60 to 72 MonthsMinimum Loan $5,000 - Maximum Loan $35,00010.99%$19.03 (Based on 72-month term)
APR as low as APR = Annual Percentage Rate; effective 08/01/22 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.

Share Secured Loan Rates

Loan TypeLoan TermAPR as low as APR = Annual Percentage Rate; effective 10/21/2019 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 10/21/2019 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.

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 09/21/22. Rates are subject to change without notice.
3 Months$5000.55%0.55%
6 Months$5001.25%1.25%
12 months$5003.20%3.25%
18 Months$5002.72%2.75%
24 Months$5002.72%2.75%
30 Months$5002.82%2.85%
36 Months$500\2.82%2.85%
48 Months$5002.96%3.00%
60 Months$5003.20%3.25%
3 Month Jumbo$99,0000.65%0.65%
6 Month Jumbo$99,0001.35%1.35%
12 Month Jumbo$99,0003.30%3.35%
18 Months Jumbo$99,0002.82%2.86%
24 Month Jumbo$99,0002.82%2.86%
30 Month Jumbo$99,0002.92%2.96%
36 Month Jumbo$99,0002.92%2.96%
48 Month Jumbo$99,0003.06%3.10%
60 Month Jumbo$99,0003.30%3.35%
6 Month Youth Certificate A penalty may be imposed for early withdrawal.$2501.25%1.25%
12 Month Youth Certificate A penalty may be imposed for early withdrawal.$2503.20%3.25%
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 09/21/22. Rates are subject to change without notice.
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 09/21/22. Rates are subject to change without notice.
Savings Account$5.00$0.01 - $999.990.10%0.10%
$1,000 - $4,999.990.10%0.10%
$5,000 - $9,999.990.10%0.10%
$10,000 and Over0.10%0.10%
Primary Business Savings$5.00$0.01 - $999.990.02%0.02%
$1,000 - $4,999.990.04%0.04%
$5,000 - $9,999.990.04%0.04%
$10,000 and Over0.04%0.04%
Premium Business Savings$500$500 - $9,999.990.10%0.10%
$10,000 - $24,999.990.10%0.10%
$25,000 - $99,999.990.15%0.15%
$100,000 and Over0.20%0.20%
MAX-Yield Money Market Account - 13 Months - New Money Only Limited time offer; effective 09/26/22. $5,000$5,000 - $250,0001.99%2.00%
Classic Money Market Account$2,500$2,500 - $9,9990.30%0.30%
$10,000 and Over0.30%0.30%
Premier Money Market Account$25,000$25,000 - $49,999.990.50%0.50%
$50,000 - $74,999.990.50%0.50%
$75,000 - $99,999.990.50%0.50%
$100,000 and Over0.60%0.60%
Performance Money Market Account$250,000$25,000 - $49,999.990.50%0.50%
$50,000 - $74,999.990.50%0.50%
$75,000 - $99,999.990.50%0.50%
$100,000 - $249,999.990.60%0.60%
$250,000 and Over0.60%0.60%
Business MAX-Yield Money Market Account - 13 Months - New Money Only Limited time offer; effective 08/15/22. $2,500$2,500 - $250,0001.49%1.50% Annual Percentage Yield (APY) as of 08/15/22; valid on new money only. Early withdrawal, account closure, and/or failure to maintain minimum deposit could result in decreased earnings. After the initial 13-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.
Business Money Market Account $2,500 $2,500 - $24,999.990.15%0.15%
$25,000 - $49,999.990.15%0.15%
$50,000 - $99,999.990.15%0.15%
$100,000 - $499,999.990.25%0.25
$500,000 - $999,999.990.50%0.50%
$1,000,000 and Over0.50%0.50%
Holiday ClubJanuary through 3rd Saturday in October$0.010.10%0.10%
Vacation ClubNot Applicable$0.01 - $999.990.10%0.10%
$1,000 - $4,999.990.10%0.10%
$5,000 - $9,999.990.10%0.10%
$10,000 and Over0.10%0.10%
Youth Savings$5.00$0.010.10%0.10%
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.$0.01$0.010.30%0.30%
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 09/21/22. Rates are subject to change without notice.
MAX-Yield Money Market Account - 13 Months - New Money Only Limited time offer; effective 09/26/22.
Business MAX-Yield Money Market Account - 13 Months - New Money Only Limited time offer; effective 08/15/22.
1.50% Annual Percentage Yield (APY) as of 08/15/22; valid on new money only. Early withdrawal, account closure, and/or failure to maintain minimum deposit could result in decreased earnings. After the initial 13-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.

Checking Rates

Accounts Rates are subject to change without notice.Initial 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 09/21/2022. Rates are subject to change without notice.
Free Checking$5N/AN/AN/A
uSave Interest Checking$5$500 - $9,999.990.10%0.10%
$10,000 - $49,999.990.10%0.10%
$50,000 - $99,999.990.10%0.10%
$100,000 and Over0.10%0.10%
Basic Business Checking $5N/AN/AN/A
Deluxe Business Checking$5N/AN/AN/A
Premium Business Checking$5$499.99 - $9,999.980.10%0.10%
$9,999.99 - $24,999.980.10%0.10%
$24,999.99 - $99,999.980.15%0.15%
$99,999.99 and Over0.20%0.20%
Basic Business Checking for Non-Profit$5N/AN/AN/A
Deluxe Business Checking for Non-Profit$5N/AN/AN/A
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 09/21/2022. Rates are subject to change without notice.