Skip to content

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.‡

Male tourist on top of mountain in fog in autumn

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.

In Celebration of 75 Years

Borrow or Save $1,000 at 7.50% APR1 / APY2

Take advantage of our limited-time offers and make the most of your money this June!

  • Borrow Smart with our Personal Loan Special:
    Borrow $1,000 with a rate as low as 7.50% APR1. Whether you need to cover unexpected expenses, consolidate debt, or fund a special project, our personal loan is here to help.
  • Save Big with our High-Yield Certificate Special:
    Invest $1,000 in our 12 Month High-Yield Certificate and earn a fantastic 7.50% APY2. It’s the perfect way to grow your savings with confidence.

Make this summer your season of financial success with Sun East! These specials are only available through June, so act fast and take control of your financial future.

1APR = Annual Percentage Rate is tiered based on credit worthiness. APR effective 06/01/24 for a 12 month term. Minimum/maximum loan amount is for $1,000. Rates and terms vary based on credit worthiness. No other rate discounts are valid on this promotion. Limit one per member.

2Annual Percentage Yield (APY) as of 06/01/24. After the initial term, certificate will renew automatically into the 12 Month Certificate and earn the APY offered at that time. Limited time offer; rate/yield subject to change without notice. Minimum/Maximum deposit is $1,000. Penalty for early withdrawals. Credit Union membership required. Limit of one certificate special per member.

Other conditions/restrictions may apply, call 1-877-5-SUNEAST for detail.

Young man engaged in a thrilling ziplining adventure through a dense rainforest canopy. He soars above the treetops, he laughter and excitement echoing through the jungle.

High-Yield Regular & IRA Certificate

Save More so you can Do More

Save more so you can do more! Merge stability and prosperity by depositing funds in a high-yield
certificate that puts you in charge! Enjoy the safety of a certificate while watching your savings earn 5.075% APY1. You can also rest easy, knowing your Sun East Savings Accounts are insured up to $500,000!‡

  • 11 Months at 5.075% APY1 (New and existing money)

1Annual Percentage Yield (APY) as of 4/22/24. After the initial term, certificate will renew automatically into the 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.

Featured Savings Product

Save Today and Grow Your Money

Earn 4.40% APY1 on a Sun East Grow Money Market Account!

  • Access your cash anytime without penalty
  • Opening Deposit of $2,500 (new money)
  • No Maximum deposit

1Annual 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.

Woman holding a tall stack of pancakes

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.

Close up of african man hands putting a coin inside piggy bank, saving money as investment

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.

Woman relaxing on a bench in winter on the beach

Certificate Accounts

Certificates are a safe investment 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.

Christmas ornaments gleaming on palm trees along a serene tropical beach

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.

School Kid putting money coins into clear jar, Child counting his saving money, Young boy holding coin on his hands, Children learning about saving for future concept

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.

Retirement couple budget, finance and investment planning, loan and paper bills with laptop technology in home. Mature people money, cash savings or legal insurance document report on online bank.

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

African American man giving woman a piggy back ride

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

How can I budget so I can save more each month for an emergency fund?

I recently changed jobs and I’m not sure what to do with my 401K plan, can you help?

I’m concerned about the volatility of the market and want a secure place to deposit my savings, but still earn dividends, what are my options?