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Rates

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Rate Schedule

Effective as of February 20, 2024. Rates are subject to change without notice.

Conforming Mortgage Loan Amounts from $50,000 to $766,550

Loan Type

Rate

APR as low as

Points

10 Year Fixed

7.000%
7.154%

0

15 Year Fixed

7.000%
7.110%

0

20 Year Fixed

7.000%
7.088%

0

30 Year Fixed

6.500%
6.723%

1.600

3/3 ARM

7.125%
8.185%

0

5/1 ARM

7.250%
8.040%

0

5/5 ARM

7.375%
7.735%

0

7/5 ARM

7.500%
7.742%

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 02/20/24 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 $766,550

Loan Type

Rate

APR as low as

Points

15 Year Fixed

7.625%
7.823%

1

30 Year Fixed

7.125%
7.246%

1

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 02/20/24 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

Loan Type

Rate

APR as low as

Points

15 Year Fixed FHA / VA

6.000%
7.018%

1.200

30 Year Fixed FHA / VA

6.250%
7.065%

0

30 Year Fixed 203K (FHA Only)

6.250%
7.065%

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 02/20/24 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 Term

Loan Amount

APR as low as

Cost Per Thousand Borrowed

Up to 66 Months

Minimum Loan $5,000

6.24%

$18.06 (Based on 66-month term)

67 to 75 Months

Minimum Loan $25,000

6.49%

$16.38 (Based on 75-month term)

76 to 84 Months


Minimum Loan $40,000

6.99%

$15.21 (Based on 84-month term)

85 to 96 Months

Minimum Loan $65,000

8.84%

$14.57 (Based on 96-month term)

APR as low as Annual Percentage Rate; effective 02/20/24 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 09/25/23. Subject to change without notice.

Recreational Loan Rates

Loan Type

Loan Term

Loan Amount

APR as low as

Cost Per Thousand Borrowed

Boats

24 to 60 Months

Minimum Loan $5,000

6.99%

$19.80 (Based on 60-month term)

Boats

61 to 84 Months


Minimum Loan $25,000

7.29%

$15.23 (Based on 84-month term)

Boats

85 to 120 Months

Minimum Loan $50,000 - Maximum Loan $150,000

11.04%

$13.80 (Based on 120-month term)

Recreational Vehicles (RV)

24 to 60 Months

Minimum Loan $5,000

6.99%

$19.80 (Based on 60-month term)

Recreational Vehicles (RV)

61 to 84 Months

Minimum Loan $25,000

7.24%

$15.21 (Based on 84-month term)

Recreational Vehicles (RV)

85 to 120 Months

Minimum Loan $50,000

7.49%

$11.86 (Based on 120-month term)

Recreational Vehicles (RV)

121 to 180 Months

Minimum Loan $75,000 - Maximum Loan $150,000

7.74%

$9.41 (Based on 180-month term)

Motorcycle, ATV, and Personal Watercraft

24 to 48 Months

Minimum Loan $2,500

6.29%

$23.62 (Based on 48-month term)

Motorcycle, ATV, and Personal Watercraft

49 to 60 Months

Minimum Loan $5,000

6.54%

$19.58 (Based on 60-month term)

Motorcycle, ATV, and Personal Watercraft

61 to 72 Months

Minimum Loan $10,000 - Maximum Loan $35,000

6.79%

$16.95 (Based on 72-month term)

APR as low as Annual Percentage Rate; effective 01/23/23 and subject to change without notice. APR includes 0.25% 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 Type

Loan Term

Loan Amount

APR as low as

Cost Per Thousand

Fixed 1st Lien

1 - 5 Years


Minimum Loan $10,000

6.99%

$19.80 (Based on 60-month term)


Fixed 1st Lien

6 - 10 Years

Minimum Loan $10,000

7.14%

$11.68 (Based on 120-month term)


Fixed 1st Lien

11 - 15 Years

Minimum Loan $35,000


7.14%

$9.07 (Based on 180-month term)


Fixed 1st Lien


16 - 20 Years

Minimum Loan $35,000


7.39%

$7.99 (Based on 240-month term)

Fixed 2nd Lien

1 - 5 Years

Minimum Loan $10,000


7.99%

$20.27 (Based on 60-month term)


Fixed 2nd Lien

6 - 10 Years

Minimum Loan $10,000

8.14%

$12.21 (Based on 120-month term)

Fixed 2nd Lien

11 - 15 Years

Minimum Loan $35,000

8.14%

$9.64 (Based on 180-month term)

Fixed 2nd Lien

16 - 20 Years

Minimum Loan $35,000


8.39%

$8.61 (Based on 240-month term)

APR as low as APR = Annual Percentage Rate; effective 11/20/23 and subject to change without notice. APR includes 0.25% 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 11/20/23 and subject to change without notice.

Home Equity Line of Credit (HELOC) Rates

Terms

Loan Amount

APR as low as

Cost Per Thousand

10 Year Draw, Followed By 10 Year Repayment

Minimum Loan $10,000

Intro Rate = 4.99% for Six Months.
After Intro, APR as low as 7.50%.

Variable

APR as low as APR = Annual Percentage Rate; effective 08/21/23 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 Term

Loan Amount

APR as low as

Cost Per Thousand Borrowed

12 to 35 Months

Minimum Loan $1,000 - Maximum Loan $35,000

9.99%

$33.05 (Based on 35-month term)

36 to 59 Months

Minimum Loan $3,000 - Maximum Loan $35,000


10.99%

$22.90 (Based on 59-month term)


60 to 72 Months

Minimum Loan $5,000 - Maximum Loan $35,000

11.99%

$19.94 (Based on 72-month term)

APR as low as APR = Annual Percentage Rate; effective 02/20/24 and subject to change without notice. APR includes 0.25% 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.

Shared Secured Loan Rates

Loan Type

Loan Term

APR as low as

Certificate Secured

Up to 60 Months

Certificate Rate + 3.00%, Floor of 5.00%, 100% LTV (Loan Maturity Date = Certificate Maturity Date)

Share Secured

Up to 60 Months

Share 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

Initial Deposit

Dividend Rate

APY

3 Months



$500

3.68%

3.75%

6 Months

$500

4.64%

4.75%

12 months

$500

4.16%

4.25%

18 Months

$500

3.92%

4.00%

24 Months

$500

3.68%

3.75%

30 Months

$500

2.96%

3.00%

36 Months

$500

2.96%

3.00%

48 Months

$500

2.96%

3.00%

60 Months

$500

2.96%

3.00%

3 Month Jumbo

$99,000

3.78%

3.85%

6 Month Jumbo

$99,000

4.74%

4.85%

12 Month Jumbo

$99,000

4.26%

4.35%

18 Months Jumbo

$99,000

4.02%

4.10%

24 Month Jumbo

$99,000

3.78%

3.85%

30 Month Jumbo

$99,000

3.06%

3.10%

36 Month Jumbo

$99,000

3.06%

3.10%

48 Month Jumbo

$99,000

3.06%

3.10%

60 Month Jumbo

$99,000

3.06%

3.10%

6 Month Youth Certificate

$250

4.64%

4.75%

12 Month Youth Certificate

$250

4.16%

4.25%

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 as of 01/03/24. 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.

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

Initial Deposit

Minimum Balance Required to Earn Dividends

Dividend Rate

APY

Savings Account

$5.00

$0.01 - $999.99

0.10%

0.10%

$1,000 - $4,999.99

0.10%

0.10%

$5,000 - $9,999.99

0.10%

0.10%

$10,000 and Over

0.10%

0.10%

Primary Business Savings

$500

$0.01 - $999.99

0.02%

0.02%

$1,000 - $4,999.99

0.04%

0.04%

$5,000 - $9,999.99

0.04%

0.04%

$10,000 and Over

0.04%

0.04%

Grow Money Market Account - New Money Only

$2,500

$2,500 - No Max

4.31%

4.40%

Classic Money Market Account

$2,500

$2,500 - $9,999

0.30%

0.30%

$10,000 and Over

0.30%

0.30%

Premier Money Market Account

$25,000

$25,000 - $49,999.99

0.50%

0.50%

$50,000 - $74,999.99

0.75%

0.75%

$75,000 - $99,999.99

0.75%

0.75%

$100,000 and Over

1.00%

1.00%

Performance Money Market Account

$250,000

$25,000 - $49,999.99

0.50%

0.50%

$50,000 - $74,999.99

0.75%

0.75%

$75,000 - $99,999.99

0.75%

0.75%

$100,000 - $249,999.99

1.00%

1.00%

$250,000 and Over

1.00%

1.00%

Grow Business Money Market Account - New Money Only

$2,500

$2,500 - No Max

4.31%

4.40%

Business Money Market Account


$2,500

$2,500 - $24,999.99

0.30%

0.30%

$25,000 - $49,999.99

0.50%

0.50%

$50,000 - $99,999.99

0.75%

0.75%

$100,000 - $499,999.99

1.00%

1.00%

$500,000 - $999,999.99

1.00%

1.00%

$1,000,000 and Over

1.00%

1.00%

Holiday Club


January through 3rd Saturday in October

$0.01

0.10%

0.10%

Vacation Club

Not Applicable

$0.01 - $999.99

0.10%

0.10%

$1,000 - $4,999.99

0.10%

0.10%

$5,000 - $9,999.99

0.10%

0.10%

$10,000 and Over

0.10%

0.10%

Youth Savings


$5.00

$0.01

0.10%

0.10%

Variable IRA

$0.01

$0.01

0.50%

0.50%

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 07/03/23. Rates are subject to change without notice.

Grow Money Market Account – New Money Only Limited time offer; effective 08/28/23 — Apply Now

4.40% Annual Percentage Yield (APY) as of 08/28/23; valid on new money only. New money defined as funds from another institution and not on deposit at Sun East within the prior 6 months. Failure to maintain minimum deposit could result in decreased earnings. Minimum deposit to open Grow MMA and earn dividends is $2,500; no maximum deposit. During any month in which the average daily balance falls below $2,500, a monthly maintenance fee of $10 will be applied. Rates/yields subject to change without prior notice; other conditions/restrictions may apply, call 1-877-5-SUNEAST for details. Credit union membership required.

Grow Business Money Market Account – New Money Only Limited time offer; effective 08/28/23

4.40% Annual Percentage Yield (APY) as of 08/28/23; valid on new money only. New money defined as funds from another institution and not on deposit at Sun East within the prior 6 months. Failure to maintain minimum deposit could result in decreased earnings. Minimum deposit to open Grow MMA and earn dividends is $2,500; no maximum deposit. During any month in which the average daily balance falls below $2,500, a monthly maintenance fee of $10 will be applied. Rates/yields subject to change without prior notice; other conditions/restrictions may apply, call 1-877-5-SUNEAST for details. Credit union membership required.

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

Initial Deposit

Minimum Balance Required to Earn Dividends

Dividend Rate

APY

Free Checking

$5


N/A

N/A

N/A

uSave Interest Checking


$5

$500 - $9,999.99

0.10%

0.10%

$10,000 - $49,999.99

0.10%


0.10%


$50,000 - $99,999.99

0.10%


0.10%


$100,000 and Over

0.10%

0.10%


Basic Business Checking

$5

N/A

N/A

N/A


Deluxe Business Checking

$5

N/A

N/A

N/A


Premium Business Checking

$5

$500.00 - $9,999.99

0.10%

0.10%

$10,000.00 - $24,999.99

0.10%

0.10%

$25,000.00 - $99,999.99

0.15%

0.15%

$100,000.00 and Over

0.20%

0.20%

Basic Business Checking for Non-Profit

$5

N/A

N/A

N/A

Deluxe Business Checking for Non-Profit

$5

N/A

N/A

N/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 11/01/2022. Rates are subject to change without notice.

0.10% APY = Annual Percentage Yield. APY assumes that dividends are reinvested. Withdrawal of dividends will reduce earnings. Earnings may be reduced if fees are incurred. There is an average daily balance requirement to avoid imposition of Monthly Service Fee. Please refer to the Account Schedule Disclosure for more detailed savings information. Effective 9/21/2023. Rates are subject to change without notice.

uSave Checking 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. There is an average daily balance requirement to avoid imposition of Monthly Service Fee. Please refer to the Account Schedule Disclosure for more detailed savings information. Effective 09/21/2023. Rates are subject to change without notice.