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Sun East Federal Credit Union offers a variety of savings and loan products at competitive rates. Whether you're borrowing money for a new home or saving for retirement, Sun East can help you achieve your financial goals. This page contains the most current savings, investment, loan and credit rates available. All deposits are insured up to $500,000; $250,000 by the National Credit Union Administration (NCUA) and $250,000 by Excess Share Insurance (ESI). The rates are subject to change without notice.

Savings Rates*
  Dividend Rate APYMinimum to Open Minimum Balance for Dividend
Performance Money Market
$250,000
0.42% 0.42% $250,000 $250,000
Premier Money Market
$100,000 and over
0.40% 0.40%$100,000$100,000
Premier Money Market
$75,000 to $99,999
0.30% 0.30% $75,000$75,000
Premier Money Market
$50,000 to $74,999
0.30% 0.30% $50,000 $50,000
Premier Money Market
$25,000 to $49,999
0.25% 0.25% $25,000 $25,000
Classic Money Market 0.12% 0.12% $2,500 $2,500
Savings Balance
$10,000 and over
0.08% 0.08% $5 $0.01
Savings Balance
$5,000-$9,999.99
0.06% 0.06% $5 $0.01
Savings Balance
$1,000-$4,999.99
0.04% 0.04% $5 $0.01
Savings Balance
Up to $999.99
0.02% 0.02% $5 $0.01

*Fees may reduce earnings on deposit accounts.

Dividends will be compounded quarterly and credited quarterly for the Savings, Holiday Club, Vacation Club, and Variable IRA Accounts. Dividends will be compounded daily and credited monthly for the Money Market and Premium Money Market Accounts.

For this account type, if the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is March 31. All other dividend periods follow this same pattern of dates. The dividend declaration date follows the ending date of a dividend period, and for the example above is March 31.


Regular & IRA Certificate Rates**

Term Dividend Rate APY
3-Month 0.20% 0.20%
6-Month 0.25% 0.25%
12-Month 0.40% 0.40%
15- Month 0.60% 0.60%
18-Month 0.50% 0.50%
24-Month 0.70% 0.70%
30-Month 0.85% 0.85%
35-Month 1.34% 1.35%
36-Month 0.90% 0.90%
60-Month 1.98% 2.00%
Please call 877-5-SUNEAST for current Jumbo and IRA Jumbo Certificate rates.


** APY (Annual Percentage Yield) Minimum deposit of $500. Certificates may have substantial penalty for early withdrawal. All rates are subject to change without notice. Other rates and terms are available.


Loan Rates ***

New/Used Auto Loan Rates

Model Year Loan Term APR*** Cost Per Thousand Borrowed Comment
2012 - 2013 Up to 63 months 2.50% $16.95
(Based on 63-month term)
100% financing (Includes Taxes & Tags)
2012 - 2013 Up to 75 months 3.00% $14.64
(Based on 75-month term)
100% financing (Includes Taxes & Tags)
2012 - 2013 Up to 84 months 3.50% $13.44
(Based on 84-month term)
100% financing (Includes Taxes & Tags)
2010 - 2011 Up to 63 months 2.50% $16.95
(Based on 63-month term)
100% financing (Includes Taxes & Tags)
2010 - 2011 Up to 75 months 3.25% $14.75
(Based on 75-month term)
100% financing (Includes Taxes & Tags)
2008 - 2009 Up to 63 months 3.75% $17.51
(Based on 63-month term)
100% financing (Includes Taxes & Tags)

New/Used Motorcycle Loan Rates

Loan Type APR*** Cost Per Thousand Borrowed Comments
Up to 4 years 9.24% $25.05
(Based on 48-month term)
100% financing (Includes Taxes & Tags)
Up to 5 years 9.49% $20.99
(Based on 60-month term)
100% financing (Includes Taxes & Tags)

Credit Card Rates and Disclosures

Click here

Personal Loan Rates

Loan Type APR*** Cost Per Thousand Borrowed Comments
Up to 3 years 9.29% $31.99
(Based on 36-month term)
 
Up to 5 years 9.49% $20.99
(Based on 60-month term)
 

Secured Loan Rates

Loan Type APR*** Cost Per Thousand Borrowed Comments
Shared Secured Loan 4.75% $18.79
(Based on 60-month term)
 
Certificate Secured Loan 3.00% over Certificate Rate Varies By Term 5% Minimum

Home Equity

Home Equity (Fixed Rate) 80% LTV APR+*** Cost Per Thousand Borrowed
1 - 5 Years 3.49% $18.22
(Based on 60-month term)
6 - 10 Years 3.99% $10.12
(Based on 120-month term)
11 - 15 Years 4.49%

$7.65
(Based on 180-month term)

16 - 20 Years 4.99% $6.33
(Based on 240-month term)
Home Equity Line of Credit**** APR
Up to 20 Years 4.00%

Homeowners insurance required. Title insurance required on loans more than $150,000. Closing costs range from $240 to $570, unless title insurance is required.

Loan-to-Value for Fixed Rated Home Equity loans in first lien position for qualified borrowers.

*** APR (Annual Percentage Rate) The rate stated is the lowest rate offered for this product. Rates are based on an evaluation of applicant credit. Actual rates may vary.

****Variable rate
Home Equity Line of Credit with up to 75% Loan to Value. The variable rate is Prime, with a margin ranging from +prime minus 1.00% with a minumium APR or floor of 4.00%. It is subject to change quarterly. The maximum APR is 18.00%. Closing costs may range from $240 to $570. Homeowners insurance is required on all loans.

 

Student Loans

Please follow the above link for more information on our student loan program and rates.

 






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