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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.
15 Month Special Annual Percentage Yield (APY) as of 7/2/18. Penalty for early withdrawals. After the initial term, certificate will renew automatically into the 18 month certificate and earn the APY offered at that time. Rate subject to change without notice. Minimum opening deposit is $500.$5001.83%1.85%
23 Month Special Annual Percentage Yield (APY) as of 7/2/18. Penalty for early withdrawals. After the initial term, certificate will renew automatically into the 24 month certificate and earn the APY offered at that time. Rate subject to change without notice. Minimum opening deposit is $500.$5002.23%2.25%
3 Months$5000.50%0.50%
6 Months$5000.75%0.75%
12 months$5001.64%1.65%
18 Months$5001.74%1.75%
24 Months$5001.83%1.85%
30 Months$5001.93%1.95%
36 Months$5002.08%2.10%
60 Months$5002.86%2.90%
3 Month Jumbo$99,0000.60%0.60%
6 Month Jumbo$99,0000.85%0.85%
12 Month Jumbo$99,0001.74%1.75%
18 Months Jumbo$99,0001.84%1.85%
24 Month Jumbo$99,0001.93%1.95%
30 Month Jumbo$99,0002.03%2.05%
36 Month Jumbo$99,0002.18%2.20%
60 Month Jumbo$99,0002.96%3.00%
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.$10.25%.25%
6 Month Youth Certificate A penalty may be imposed for early withdrawal.$250.75%.75%
12 Month Youth Certificate A penalty may be imposed for early withdrawal.$2501.64%1.65%
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.
15 Month Special Annual Percentage Yield (APY) as of 7/2/18. Penalty for early withdrawals. After the initial term, certificate will renew automatically into the 18 month certificate and earn the APY offered at that time. Rate subject to change without notice. Minimum opening deposit is $500.
23 Month Special Annual Percentage Yield (APY) as of 7/2/18. Penalty for early withdrawals. After the initial term, certificate will renew automatically into the 24 month certificate and earn the APY offered at that time. Rate subject to change without notice. Minimum opening deposit is $500.
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.
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 8/6/2018. 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 (Limited time offer; expires 9/30/18) $5,000 Min $250,000 Max (New Money Only)$5,0001.65%1.65% APY for a 12 month term from open date. After the initial 12 month promotional term at 1.65% APY, the Max-Yield Money Market Account will then revert to a Classic Money Market Account with the corresponding account terms and then-current APY for the Classic Money Market Account.
Premier Money Market Account$25,000$25,000 - $49,999.990.15%0.15%
$50,000 - $74,999.990.20%0.20%
$75,000 - $99,999.990.20%0.20%
$100,000 and Over0.30%0.30%
Performance Money Market Account$250,000$250,000 and Over0.37%0.37%
Holiday ClubJanuary through 3rd Saturday in October$.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%
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 8/6/2018. Rates are subject to change without notice.

Home Equity Term Loan Rates

Home Equity (Fixed Rate)Loan AmountAPR as low as APR = Annual Percentage Rate; effective 8/20/18 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 8/13/18 and subject to change without notice.
5 year$74,999.99 or less4.24%$18.53
5 Year$75,000.00 or more4.24%$18.53
10 Year$74,999.99 or Less4.24%$10.25
10 Year$75,000.00 or more4.24%$10.25
15 Year$74,999.99 or less4.59%$7.70
15 Year$75,000.00 or more4.29%$7.55
20 Year$74,999.99 or less5.33%$6.80
20 Year$75,000.00 or more5.33%$6.80
APR as low as APR = Annual Percentage Rate; effective 8/20/18 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 8/13/18 and subject to change without notice.

Personal Loan Rates

Loan TermAPR as low as APR = Annual Percentage Rate; effective 6/11/2018 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.
Up to 36 months9.29%$31.95 (Based on 36-month term)
Up to 60 Months9.49%$21.01 (Based on 60-month term)
APR as low as APR = Annual Percentage Rate; effective 6/11/2018 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 6/4/2018 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
Motorcycle - Model Year - 2012-2018Up to 48 MonthsN/A9.24%$25.01 (Based on 48-month term)
Motorcycle - Model Year - 2012-2018Up to 60 MonthsN/A9.49%$21.01 (Based on 60-month term)
RV (Recreational Vehicle)Up to 84 Months$5,000 - $10,0006.74%$14.97 (Based on 84-month term)
RV (Recreational Vehicle)Up to 120 Months$10,001 - $25,0005.99%$11.10 (Based on 120-month term)
RV (Recreational Vehicle)Up to 180 Months$25,001 - $150,0005.74%$8.31 (Based on 180-month term)
ATV (All Terrain Vehicle)Up to 60 Months$1,000 - $5,0006.49%$19.57 (Based on 60-month term)
ATV (All Terrain Vehicle)Up to 66 Months$5,001 - $10,0006.74%$18.18 (Based on 66-month term)
ATV (All Terrain Vehicle)Up to 72 Months$10,001 - $25,0006.99%$17.05 (Based on 72-month term)
Jet SkiUp to 60 Months$1,000 - $5,0006.49%$19.57 (Based on 60-month term)
Jet SkiUp to 66 Months$5,001 - $10,0006.74%$18.18 (Based on 66-month term)
Jet SkiUp to 72 Months$10,001 - $25,0006.99%$17.05 (Based on 72-month term)
BoatUp to 84 Months$10,000 - $15,0006.49%$14.85 (Based on 84-month term)
BoatUp to 120 Months$15,001 - $25,0006.74%$11.49 (Based on 120-month term)
BoatUp to 180 Months$25,001 - $250,0006.99%$8.99 (Based on 180-month term)
APR as low as Annual Percentage Rate; effective 6/4/2018 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

TermsAPR as low as APR = Annual Percentage Rate; effective 1/31/18 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, Up to 20 year repaymentAs low As 4.00% (Prime minus 1% with a minimum APR [or floor] of 4.00%)Variable
APR as low as APR = Annual Percentage Rate; effective 1/31/18 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.

Shared Secured Loan Rates

Loan TypeLoan TermAPR as low as APR = Annual Percentage Rate; effective 1/31/18 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.Cost Per Thousand Borrowed Cost-per-thousand borrowed does not include amounts for taxes, titles, insurance premiums or other additional costs, if applicable.
Certificate SecuredVariable3.00% Over Certificate Rate (minimum of 5.00%)Variable based on term.
Share SecuredUP to 60 Months4.75%$18.76 (based on 60-month term)
APR as low as APR = Annual Percentage Rate; effective 1/31/18 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.
Cost Per Thousand Borrowed Cost-per-thousand borrowed does not include amounts for taxes, titles, insurance premiums or other additional costs, if applicable.

Vehicle Loan Rates

Model YearLoan TermAPR as low as Annual Percentage Rate; effective 5/1/2018 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 loanto- 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 5/1/2018. Subject to change without notice.
New VehiclesUp to 84 Months Min. Loan $20,0003.04%$13.24 (Based on 84-month term)
2014 or NewerUp to 75 Months Min. Loan $5,0003.04%$14.66 (Based on 75-month term)
2013 or OlderUp to 63 Months Min. Loan $5,0004.20%$17.72 (Based on 63-month term)
APR as low as Annual Percentage Rate; effective 5/1/2018 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 loanto- 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 5/1/2018. Subject to change without notice.