Savings Accounts, Money Markets, Certificates, and IRAs
Save more today and prepare for the future. Sun East offers saving options that help your money work for you – from building an emergency fund to planning for specific goals or retirement. Deposits are insured up to $500,000.‡
So Many Ways to Save and Earn More
When you join Sun East, and deposit as little as $5, you become a member and shareholder of the credit union, which gives you access to our competitive savings products. These products are designed to help you build your nest egg, wherever you are on your financial journey.
Featured Savings Products
8 Month Certificate Special
- Earn 4.00% APY1 (New Money Required)
- Earn 3.75% APY2 (Standard Rate)
- Open your certificate with just $500
- No limits on your opening deposit
GROW Money Market Account
- Earn 3.20% APY3
- Access your cash anytime without penalty
- Opening Deposit of $2,500 (New Money Required)
- No Maximum deposit
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Learn About Our Savings Options
From the day of initial deposit into a Sun East Savings, Money Market, or Certificate Account, you begin earning high-paying dividends. These dividends are posted monthly to your account. Accounts may be titled either individually or jointly, in trust for, or as custodian.
Money Market Accounts
Money Market Accounts (MMA) typically provide a higher dividend rate than an interest-bearing savings account and offer the convenience of immediate access to your money. These types of accounts require that you maintain an average minimum daily balance.
Certificate Accounts
Earn up to 4.00% APY1 as our Certificate Accounts are a safe low-risk savings solution with a guaranteed, fixed rate of return that is typically higher than most savings accounts. Sun East offers a variety of terms with minimum deposits as low as $500
Holiday and Vacation Clubs
These special savings accounts help you save a little each month, for a specific amount of time – and they pay dividends. You can make deposits in-branch or through direct deposit. When the account matures, your savings with accrued interest will be available to withdraw.
Youth Accounts
Youth Accounts are a great way to help your child understand the value of saving and show them how their money can “work” for them…just by making regular deposits in a Youth Savings Account or investing in a Youth Certificate. These types of accounts are available until the child turns 18 years old.
Individual Retirement Accounts (IRAs)
Individual Retirement Accounts (IRAs) are savings plans offering tax deferral and after taxed contributions for financial security in future! Deposits into an IRA can be made into either an IRA savings account or an IRA certificate account.
Sun East Offers:
- Traditional IRAs
- Roth IRAs
- Educational Coverdale IRAs
- SEP IRAs (Simplified Employee Pension) Plan
A Simplified Employee Pension (SEP IRA) is a type of Individual Retirement Account utilized in the United States.
Key features include:
- High Rates; Low minimum Investment
- Flexible Terms
- Tax deferred savings plans
- Immediate tax deduction for those who qualify
Share Savings Benefits
Safeguarding your money is important to us. In addition to our competitive dividend rates, here are a few more reasons to entrust Sun East with your savings:
- Deposits insured up to $500,000‡
- $1,000 AD&D insurance at no-cost and guaranteed acceptance
- Free direct deposit, payroll deduction & mobile check deposit
- Convenient online and mobile account access
- Access to your account from over 5,000+ branches nationwide through the Co-Op Shared Branching Network
Frequently Asked Questions From Our Members
Disclaimer
1APY = Annual Percentage Yield (APY) as of 06/04/26. New Money Required to open this 8 Month Certificate. New money defined as funds from another institution and not on deposit at Sun East Federal Credit Union within the prior 6 months. After the initial term, the certificate will renew automatically into a 12 Month Certificate earning the APY offered at that time. Limited time offer; rates/yields subject to change without notice. Minimum opening balance $500. Penalty for early withdrawal. Credit Union membership required. Other restrictions may apply call 877-5-SUNEAST for details.
2APY = Annual Percentage Yield (APY) as of 06/04/26. After the initial term, the certificate will renew automatically into a 12 Month Certificate earning the APY offered at that time. Limited time offer; rates/yields subject to change without notice. Minimum opening balance $500. Penalty for early withdrawal. Credit Union membership required. Other restrictions may apply call 877-5-SUNEAST for details.
3Annual Percentage Yield (APY) as of 12/22/2025; 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.
4APY = Annual Percentage Yield as of 12/22/2025. 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.
Rates/yields subject to change without prior notice; other conditions/restrictions may apply, call 1-877-5-SUNEAST for details. Credit union membership required.
IRAs
Members may open and make contributions to a traditional IRA if they or their spouse (if a joint income tax return is filed) received taxable compensation during the year in which the contribution is attributed. Consult with your tax advisor to determine if you are eligible.
The total contributions you make to all of your Traditional IRAs and Roth IRAs attributable to the year cannot exceed $7,500 ($8,600 if you’re age 50 or older), or your taxable compensation for the year (if that is less than $7,500/$8,600).
Contributions may qualify as pre-tax funds. Consult with your tax advisor. Traditional IRA owners may begin to take “Normal” distributions starting at the age of 59 ½. Mandatory distributions must be taken starting at the age of 73.
For more information consult your tax advisor and visit the IRS’ website for more information at https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-ira-contribution-limits.
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