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Rates

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Rate Schedule

Effective as of December 21, 2024. Rates are subject to change without notice.

Conforming Mortgage LoansJumbo Mortgage LoansFHA/VA LoansVehicle LoansRecreational Vehicle LoansHome Equity Term LoansHome Equity Lines of Credit (HELOC)Personal LoansHoliday LoansShare Secured LoansCertificates / IRA CertificatesSavings RatesChecking Rates

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

Apply for a Mortgage
Loan TypeRate APR as low as Points
10 Year Fixed5.750%5.913%0
15 Year Fixed5.750%5.865%0
20 Year Fixed6.000%6.093%0
30 Year Fixed6.250%6.321%0
3/3 ARM6.500%6.940%0
5/1 ARM6.625%6.920%0
5/5 ARM6.750%6.673%0
7/5 ARM6.875%6.770%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 11/25/24 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

Apply for a Mortgage
Loan TypeRate APR as low as Points

15 Year Fixed

6.000%6.034%0

30 Year Fixed

6.875%6.896%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 12/17/24 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

Apply for a Mortgage
Loan Type
Rate
APR as low as
Points
15-Year Fixed FHA / VA
6.625%
7.450%
0
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 12/20/24 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

Apply for a Vehicle Loan
Loan TermLoan AmountAPR as low as Cost Per Thousand Borrowed
Up to 66 MonthsMinimum Loan $5,0005.74%$17.70 (Based on 66-month term)
67 to 75 MonthsMinimum Loan $25,0005.99%$16.02 (Based on 75-month term)
76 to 84 MonthsMinimum Loan $40,0006.49%$14.84 (Based on 84-month term)
85 to 96 MonthsMinimum Loan $65,0008.24%$14.26 (Based on 96-month term)

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

Recreational Vehicle Loan Rates

Apply for a Rec Vehicle Loan
Loan Type Loan Term Loan Amount APR as low as Cost Per Thousand Borrowed
Boats   24 to 60 Months   Minimum Loan $5,000   7.24% $19.80 (Based on 60-month term)  
Boats   61 to 84 Months     Minimum Loan $25,000   7.54% $15.21 (Based on 84-month term)  
Boats   85 to 120 Months   Minimum Loan $50,000 – Maximum Loan $150,000   11.29% $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

Apply for a Home Equity Loan
Loan Type Loan Term Loan Amount APR as low as Cost Per Thousand
Fixed 1st Lien     1 – 5 Years   Minimum Loan $10,000   6.24% $19.44 (Based on 60-month term)    
Fixed 1st Lien     6 – 10 Years   Minimum Loan $25,000     6.54% $11.38 (Based on 120-month term)    
Fixed 1st Lien     11 – 15 Years   Minimum Loan $35,000     6.33% $8.62 (Based on 180-month term)    
Fixed 1st Lien       16 – 20 Years   Minimum Loan $35,000     6.76% $7.61 (Based on 240-month term)  
Fixed 2nd Lien     1 – 5 Years   Minimum Loan $10,000     8.24% $20.39 (Based on 60-month term)    
Fixed 2nd Lien     6 – 10 Years   Minimum Loan $25,000    8.54% $12.42 (Based on 120-month term)    
Fixed 2nd Lien     11 – 15 Years   Minimum Loan $35,000   8.33% $9.75 (Based on 180-month term)    
Fixed 2nd Lien     16 – 20 Years   Minimum Loan $35,000     8.76% $8.84 (Based on 240-month term)  

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 11/25/24 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.

Home Equity Line of Credit (HELOC) Rates

Apply for a Home Equity Line of Credit
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 6.75%.		 Variable  

APR as low as APR = Annual Percentage Rate; effective 11/18/24 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

Apply for a Personal Loan
Loan Term Loan AmountAPR as low as Cost Per Thousand Borrowed
12 to 35 MonthsMinimum Loan $1,000 – Maximum Loan $35,0009.99%$33.05 (Based on 35-month term)
36 to 59 MonthsMinimum Loan $3,000 – Maximum Loan $35,00010.99%$22.01 (Based on 59-month term)
60 to 72 MonthsMinimum Loan $5,000 – Maximum Loan $35,00011.99%$19.54 (Based on 72-month term)

APR as low as APR = Annual Percentage Rate; effective 04/22/24 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.

Holiday Loan Rates

Apply for a Holiday Loan
Loan Term Loan AmountAPR as low as Cost Per Thousand Borrowed
12 to 35 MonthsMinimum Loan $1,000 – Maximum Loan $35,0009.99%$33.05 (Based on 35-month term)
36 to 59 MonthsMinimum Loan $3,000 – Maximum Loan $35,00010.99%$22.01 (Based on 59-month term)
60 to 72 MonthsMinimum Loan $5,000 – Maximum Loan $35,00011.99%$19.54 (Based on 72-month term)

The Holiday Loan is a Personal Loan.

APR as low as APR = Annual Percentage Rate; effective 11/08/24 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.

Share Secured Loan Rates

Apply for a Share Secured Loan
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

Apply for a Certificate
Term Initial Deposit Dividend Rate APY
3 Months

 $500

3.20%3.25%
6 Months

 $500

3.92% 4.00%
12 months

 $500

3.92%4.00%
18 Months

 $500

3.68% 3.75%
24 Months

 $500

3.44% 3.50%
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

3.29%3.35%
6 Month Jumbo

 $99,000

4.02%4.10%
12 Month Jumbo

 $99,000

4.02%4.10%
18 Months Jumbo

 $99,000

3.78% 3.85%
24 Month Jumbo

 $99,000

3.54% 3.60%
30 Month Jumbo

 $99,000

 3.05% 3.10%

36 Month Jumbo

 $99,000

 3.05% 3.10%

48 Month Jumbo

 $99,000

 3.05% 3.10%

60 Month Jumbo

 $99,000

 3.05% 3.10%

6 Month Youth Certificate

$250

3.92% 4.00%
12 Month Youth Certificate

 $250

3.92%4.00%


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 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.

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

Apply for a Savings Account
Accounts Initial Deposit Minimum Balance Required to Earn Dividends Dividend RateAPY
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

3.44%3.50%
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

0.70%0.70%
   $75,000 – $99,999.99

0.70%0.70%
   $100,000 and Over

0.85%0.85%
Performance Money Market Account

 $250,000

 $25,000 – $49,999.99

 0.50%

 0.50%

   $50,000 – $74,999.99

0.70%0.70%
   $75,000 – $99,999.99

0.70%0.70%
   $100,000 – $249,999.99

0.85%0.85%
   $250,000 and Over

 1.00%

 1.00%

Grow Business Money Market Account – New Money Only

$2,500

 $2,500 – No Max

3.44%3.50%
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

0.70%0.70%
   $100,000 – $499,999.99

0.85%0.85%
   $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%

SEP-IRA Savings$0.01$0.013.44%3.50%
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 12/20/24. Rates are subject to change without notice.

Grow Money Market Account – New Money Only Limited time offer; effective 12/20/24 — Apply Now
3.50% Annual Percentage Yield (APY) as of 12/20/24; 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 12/20/24
3.50% Annual Percentage Yield (APY) as of 12/2024; 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

Apply for a Checking Account
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 of $5,000 minimum 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..

Disclaimer

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.

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