Dream Home, Made Affordable Lock in a 40-Year Fixed-Rate Mortgage Even Better? Community Heroes save an extra 0.25% off1 approved rate! Lower Payments, Less Stress More Affordable Homeownership Exclusive Savings for Heroes Contact Our Mortgage Champion Visit a Branch Banking with Sun East is Easy and Secure.Experience Sun East At Your Fingertips. Live Life Better Bank Brighter with Sun East Purchase a Vehicle Whether you’re purchasing a car, truck, motorcycle, RV or even a boat, Sun East has a range of vehicle terms and competitive rates to fit into your budget and lifestyle. Plus, we offer a .25% rate discount** with automatic payment transfer from your Sun East Checking Account. Explore Vehicle Loans Become a Homeowner We understand that the home financing process seems complicated – we’re here to make it easier for you with a wide range of mortgage products with competitive rates, a dedicated mortgage loan officer who will support you through the lending process, and access to a trusted team of real estate professionals. Explore Home Loans Plan for Financial Security and Retirement It’s never too early to start saving for the future – such as an emergency fund or a retirement plan. Sun East can help get you started with services like credit and budget counseling, access to a free financial consultation with an experienced financial professional, and great savings products delivering high yields. Explore Investments Apply for a Loan or Credit Card Access to extra cash is a need we all seem to face at one point in our lives. Sun East understands this and delivers with a variety of loan options that address your unique situation – such as student loans, personal loans, credit cards, home equity loans and home equity lines of credit. We also offer an additional .25% rate discount** with automatic payment transfer from your Sun East Checking Account. Apply Here Explore Ways to Save Membership Matters Going beyond traditional banking services, Sun East offers so much more to our members. Become a Member Deposits insured up to $500,000‡ Free financial literacy programs and budget planning Competitive loan rates and a .25% rate discount** Free checking, 30,000+ surcharge-free ATMs, and 5,600+ branches nationwide Exclusive discounts on auto, renter’s, homeowner’s insurance and more Complimentary consultations with a financial professional I get to experience the best of our members each and every day. Joe Miller We get along so well, we all work together for our members. Leilani Gorham I became a Sun East member about 8 years ago when I was out shopping for a vehicle and Sun East had great rates which brought me to be a member. Mike Barry Focused on You What Makes Sun East Different? More people are realizing the value of credit unions over banks, and our 51,000+ members (and growing) have experienced the difference of Sun East. From the CEO to the Part-time Teller, our teams’ focus is on how we can make your day brighter, and help you live life better with the right financial tools to support your immediate and long-term goals. Meet SEFCU Competitive Rates Member Owners Disclaimer Community Heroes Mortgage Program 1Conditions Private Mortgage Insurance (PMI) is required for loans with an LTV exceeding 80%, and a maximum debt-to-income (DTI) ratio of 50% is permitted. Eligible properties are limited to single-family residences or one-unit condos used as primary residences; investment properties, second homes, manufactured homes, and duplexes are not eligible. When all buyers are first-time homebuyers, at least one occupying homeowner must complete homeowner education through a Housing and Urban Development (HUD)-approved agency. Grants are not permitted, and escrow is required for property taxes and homeowners insurance. Applicants must be U.S. citizens or permanent resident aliens, meet membership eligibility requirements, and provide a full Federal National Mortgage Association (FNMA) 1004 appraisal. Disclaimer The rates above reflect the best par rates available today. Not everyone that applies will qualify for the rates shown above. Rates shown above are based on an applicant FICO score of at least 780 for an owner-occupied home purchase, with a loan amount of $200,000 and a loan-to-value ratio of no more than 60%. All loans are subject to individual credit approval, subject to change without notice. Please note that the posted rates are for Rate Locks that do not exceed 60 days. Pre-qualification is not a commitment to lend. Sun East Federal Credit Union partners with First Heritage Realty Alliance in order to extend real estate services to our membership consistent with the attention and quality that we provide for all of our members. While Sun East has an ownership interest in First Heritage Realty Alliance and First Heritage Financial, LLC, Sun East is NOT a real estate company. First Heritage Realty Alliance is the real estate company that we trust for all of our members. Please note, our partnership with First Heritage Realty Alliance is for the convenience of our members, but is not required. Our members are free to utilize, and we are happy to work with, any real estate company of our members’ choosing. Sun East Federal Credit Union, NMLS#433893, and First Heritage Financial, LLC, NMLS#506371, are equal opportunity lenders. Rates are subject to change daily based on market conditions and creditworthiness. Offer not valid on existing Sun East loans and is subject to end without notice; other terms and conditions may apply. For more information, visit https://suneastfcu.mymortgageapps.org/suneast or call 1-877-5-SUNEAST x765. Rates/yields subject to change without prior notice; other conditions/restrictions may apply, call 1-877-5-SUNEAST for details. Credit union membership required.. ** .25% discount for Automatic Payment Transfer from Sun East checking. If at any time, Automatic Payment Transfer is discounted then rate discount will be discontinued. Third party linked websites are not under the control of Sun East Federal Credit Union. We are not responsible for their content. Third party website privacy and security policies may differ from ours. If you choose to engage in a transaction with a third party, please note that we do not represent either you or the third party in that transaction.
