Certificates with Sun East
Sun East offers a wide variety of fixed-rate certificates, providing you with low-risk savings solutions to best meet your needs.
Featured Certificates
Limited-Time 5, 8 Month Certificates
- Earn 4.25% APY1 with an 8 Month Certificate or 4.10% APY2 with a 5 Month Certificate
- New money required for the 8 Month Certificate
- Open your certificate with just $500
3, 6, 12 Month Certificates
- Earn 4.00% APY3
- Open your certificate with just $500
- No limits on your opening deposit
- Open with a Jumbo account to earn a 0.10% APY boost!
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Certificate Options & Rates
Sun East offers different types of certificates to meet your personalized savings goals.
Regular Certificates
While pumpkin spice-scented socks may sound silly, certificates are always the smart choice, offering secure savings with fixed rates and various term lengths.
Best For: Growing savings at a fixed rate over a set term.
APY as high as: 4.25% APY1
Term Lengths: 3 to 60 months
Minimum Deposit: $500
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Add-On Certificates
Add funds to your certificate anytime during the term.
Best For: Saving with flexibility to make additional deposits during the term.
APY as high as: 3.75% APY4
Term Lengths: 11 and 23 months
Minimum Deposit: $500
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IRA Certificates
A secure way to grow your retirement savings with guaranteed fixed rates.
Best For: Long-term retirement savings with potential tax advantages.
APY as high as: 4.25% APY1
Term Lengths: 3 to 60 months
Minimum Deposit: $500
Youth Certificates
A low minimum deposit makes it easy for young members to begin saving.
Best For: Savers under 18 establishing early savings habits.
APY: 4.00% APY3
Term Lengths: 6 or 12 months
Minimum Deposit: $250
Jumbo Certificates
Maximize returns with larger deposits, available for both Regular and IRA certificates.
Best For: Those with significant savings wanting our highest rates.
APY as high as: 4.10% APY3
Term Lengths: 3 to 60 months
Minimum Deposit: $99,000
Features & Benefits of a Sun East Certificate
Easy Start
Open your certificate with just $500
Rate Boost
Earn higher returns when you invest with our Jumbo Certificates.
Lock In Your Rate
Save with a fixed rate, knowing your savings are secure!
Convenient Terms
Choose from flexible term lengths ranging from 3 to 60 months to fit your savings timeline.
Frequently Asked Questions About Certificates.
Other Products You May Need
USave Interest Checking
USave Interest Checking doesn’t restrict your access to cash and your money earns dividends5. You can even earn a .25% loan rate discount** when you pay your auto or personal loan from your free checking account via automatic payment transfer.
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Money Market Accounts
With a Money Market Account, you earn a higher dividend rate than a regular savings account while maintaining immediate access to your money. These types of accounts require that you maintain an average minimum daily balance.
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Home Equity Line of Credit (HELOC)
A HELOC is a flexible financing option that allows homeowners to tap into their home’s equity, providing a revolving line of credit for various expenses. Making it ideal for home improvements, debt consolidation, or unexpected costs.
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Disclosures
1Annual Percentage Yield (APY) as of 09/08/25. New Money Required to open this 8 Month Certificate. Funds needs to be from another institution and not on deposit at Sun East Federal Credit Union within the prior 6 months. After the initial term, certificate will renew automatically into a 12 Month Certificate and earn the APY offered at that time. Limited time offer; rate/yield subject to change without notice. Minimum opening deposit is $500. Penalty for early withdrawals. Credit Union membership required. Other conditions/restrictions may apply, call 1-877-5-SUNEAST for details.
2Annual Percentage Yield (APY) as of 09/08/25. After the initial term, certificate will renew automatically into a 6 Month Certificate and earn the APY offered at that time. Limited time offer; rate/yield subject to change without notice. Minimum opening deposit is $500. Penalty for early withdrawals. Credit Union membership required. Other conditions/restrictions may apply. Call 1-877-5-SUNEAST for details
3APY = Annual Percentage Yield as of 12/20/24. APY assumes that dividends are reinvested. Withdrawal of dividends will reduce earnings. Earnings may be reduced if fees are incurred. Rates are subject to change without notice.
4Annual Percentage Yield (APY) as of 06/02/25. The 11 Month Add-On Certificate will renew automatically into a 12 Month Certificate with no add-on feature and earn the APY offered after maturity. Limited time offer; rate/yield subject to change without notice. Minimum opening deposit for Add-On Certificate is $500 and members may add funds at any time. Penalty for early withdrawals. Credit Union membership required. Other conditions/restrictions may apply, call 1-877-5-SUNEAST for details.
5 To avoid $15 monthly service fee on USave Checking, maintain minimum average daily balance (ADB) of $5,000 or combined deposit balance minimum of $25,000. Annual Percentage Yield based on average daily balance; currently $500 – $49,999.99 is .10% APY; $50,000 – $99,999.99 is .10% APY; and $100,000+ is 10% APY as of 09/01/23. Withdrawal of dividends may reduce earnings. Rates subject to change without notice.
** .25% discount for Automatic Payment Transfer from Sun East checking. If at any time, Automatic Payment Transfer is discontinued then rate discount will be discontinued.