Rates

* Sun, My Life and Advan­tage Check­ing accounts are only avail­able for nat­ur­al per­sons who are at least 18 years of age. Only Mas­ter­card Deb­it Card PIN and sig­na­ture-based pur­chas­es count toward qual­i­fi­ca­tion require­ments. If a mer­chant process­es your trans­ac­tion with­out a PIN or sig­na­ture, it may not qual­i­fy. Trans­ac­tions may take one or more bank­ing days from the date the trans­ac­tion was made to post to your account. Trans­ac­tions that have been ini­ti­at­ed but not post­ed as of the end of the cycle will not count as a qual­i­fy­ing trans­ac­tion for that cycle (but will count in the fol­low­ing cycle when they post). A month­ly qual­i­fi­ca­tion cycle is defined as the first cal­en­dar day through the last cal­en­dar day of the month. Rewards will be cal­cu­lat­ed and paid on the last day of each cycle. These accounts have applic­a­ble ser­vice charges if you do not meet month­ly qualifications.

^1. In order for the account to qual­i­fy for the Qual­i­fy­ing Div­i­dend Rate shown above and receive ATM rebates up to $25 for a par­tic­u­lar qual­i­fi­ca­tion cycle, you must sat­is­fy the fol­low­ing requirements:

1. Com­plete ten (10) Mas­ter­card Deb­it Card PIN or sig­na­ture pur­chas­es for a total of at least $100;
2. Ini­ti­ate at least one (1) ACH or pay­roll deposit of $500 or more each month;
3. Receive eState­ments or Cloud doc­u­ments; and
4. Not be sub­ject to back­up with­hold­ing tax (if sub­ject to back­up with­hold­ing, account will be con­vert­ed to reg­u­lar Sun Check­ing). If you do not meet the qual­i­fi­ca­tions in any giv­en cycle, the account will earn the Non-Qual­i­fy­ing Div­i­dend Rate list­ed above and not receive the ATM rebate. If you meet all the qual­i­fi­ca­tions list­ed above, your bal­ance is in the $500 — $20,000 tier and you have a loan with us with a bal­ance over $1,000, you will earn the Bonus Div­i­dend Rate list­ed above.

^* Reg­is­tra­tion required for MyLife Rewards Benefits.

¹ The min­i­mum bal­ance required to earn the stat­ed Annu­al Per­cent­age Yield is iden­ti­fied above. If you do not main­tain the min­i­mum bal­ance, you will not earn the stat­ed Annu­al Per­cent­age Yield.

For all accounts, div­i­dends are cal­cu­lat­ed by using the Dai­ly Bal­ance method, which applies a peri­od­ic rate to the bal­ance in the account each day.

² 1 In order for the account to qual­i­fy for a $1.00 (up to $5.00) month­ly cred­it for a par­tic­u­lar qual­i­fi­ca­tion cycle, you must sat­is­fy the fol­low­ing require­ments: 1) com­plete ten (10) Mas­ter­card Deb­it Card PIN or sig­na­ture pur­chas­es for a total of at least $200; 2) ini­ti­ate at least one (1) ACH or pay­roll deposit of $250 or more to the account; 3) receive eState­ments or Cloud doc­u­ments; 4) main­tain an aver­age dai­ly bal­ance of $500 or more; and 5) have an active loan with us with a bal­ance of at least $1.00.

* The min­i­mum bal­ance required to earn the stat­ed Annu­al Per­cent­age Yield is iden­ti­fied above. If you do not main­tain the min­i­mum bal­ance, you will not earn the stat­ed Annu­al Per­cent­age Yield. For all accounts, div­i­dends are cal­cu­lat­ed by using the Dai­ly Bal­ance method, which applies a peri­od­ic rate to the bal­ance in the account each day.

^* The min­i­mum bal­ance required to earn the stat­ed Annu­al Per­cent­age Yield is iden­ti­fied above. If you do not main­tain the min­i­mum bal­ance, you will not earn the stat­ed Annu­al Per­cent­age Yield. For all accounts, div­i­dends are cal­cu­lat­ed by using the Dai­ly Bal­ance method, which applies a peri­od­ic rate to the bal­ance in the account each day.

* The min­i­mum bal­ance required to earn the stat­ed Annu­al Per­cent­age Yield is iden­ti­fied above. If you do not main­tain the min­i­mum bal­ance, you will not earn the stat­ed Annu­al Per­cent­age Yield. For all accounts, div­i­dends are cal­cu­lat­ed by using the Dai­ly Bal­ance method, which applies a peri­od­ic rate to the bal­ance in the account each day.

¹ In order for the account to qual­i­fy for a $1.00 (up to $5.00) month­ly cred­it for a par­tic­u­lar qual­i­fi­ca­tion cycle, you must sat­is­fy the fol­low­ing require­ments: 1) com­plete ten (10) Mas­ter­card Deb­it Card PIN or sig­na­ture pur­chas­es for a total of at least $200; 2) con­duct $200 in deb­it card pur­chas­es; 3) ini­ti­ate at least one (1) ACH or pay­roll deposit of $250 or more to the account; 4) receive eState­ments or Cloud doc­u­ments; and 5) have an active loan with us with a bal­ance of at least $1.00

* The min­i­mum bal­ance required to earn the stat­ed Annu­al Per­cent­age Yield is iden­ti­fied above. If you do not main­tain the min­i­mum bal­ance, you will not earn the stat­ed Annu­al Per­cent­age Yield. For all accounts, div­i­dends are cal­cu­lat­ed by using the Dai­ly Bal­ance method, which applies a peri­od­ic rate to the bal­ance in the account each day.

¹ For all Reg­u­lar Share, Sun­rise Kids Sav­ings, Spe­cial Share, and Mon­ey Invest­ment accounts, you may not make more than four (4) cov­ered trans­ac­tions per month. Cov­ered trans­ac­tions include your checks, trans­fers ini­ti­at­ed through online bank­ing or mobile bank­ing, ACH trans­fers, mer­chant point of sale trans­ac­tions, preau­tho­rized or auto­mat­ic trans­fers, and over­draft pro­tec­tion trans­fers. Trans­fers to pay a loan with us are not cov­ered by this lim­it. The date we use to deter­mine the num­ber of trans­ac­tions is the date a trans­ac­tion is post­ed to (actu­al­ly cred­it­ed to or deb­it­ed from) an account, rather than the date you ini­ti­ate the trans­ac­tion. If you exceed this lim­it, we may refuse or reverse the trans­ac­tion, and we may impose a charge as spec­i­fied in the list­ing of ser­vice charges pro­vid­ed below. If you repeat­ed­ly exceed this lim­it, we may ter­mi­nate the account. For a Hol­i­day Club account, the entire bal­ance will be trans­ferred to anoth­er account of yours on or after Novem­ber 1 and the account will remain open. If any with­draw­al is made from this account before the end of the club term, then the account will be assessed a $25 penalty.

² Min­i­mum open­ing bal­ance on Reg­u­lar Share account is the price of own­er­ship share in the cred­it union. The amount stat­ed is required to become a mem­ber of the cred­it union.

* The min­i­mum bal­ance required to earn the stat­ed Annu­al Per­cent­age Yield is iden­ti­fied above. If you do not main­tain the min­i­mum bal­ance, you will not earn the stat­ed Annu­al Per­cent­age Yield. For all accounts, div­i­dends are cal­cu­lat­ed by using the Dai­ly Bal­ance method, which applies a peri­od­ic rate to the bal­ance in the account each day.

¹ For a Hol­i­day Club account, the entire bal­ance will be trans­ferred to anoth­er account of yours on or after Novem­ber 1 and the account will remain open. If any with­draw­al is made from this account before the end of the club term, then the account will be assessed a $25 penalty.

* The min­i­mum bal­ance required to earn the stat­ed Annu­al Per­cent­age Yield is iden­ti­fied above. If you do not main­tain the min­i­mum bal­ance, you will not earn the stat­ed Annu­al Per­cent­age Yield. For all accounts, div­i­dends are cal­cu­lat­ed by using the Dai­ly Bal­ance method, which applies a peri­od­ic rate to the bal­ance in the account each day.

^** For cer­tifi­cate spe­cials if the term is not avail­able on matu­ri­ty, your cer­tifi­cate will be renewed to the next high­est term.

¹After you start the account, you may not make addi­tion­al deposits to a Cer­tifi­cate Account. The Cer­tifi­cate Account you have with us will mature on the matu­ri­ty date iden­ti­fied on your Account Receipt or Renew­al Notice. Ear­ly With­draw­al Penal­ty: We may impose a penal­ty if you with­draw any of the prin­ci­pal of the Cer­tifi­cate Account before the matu­ri­ty date. 1) Amount of Penal­ty. For cer­tifi­cates with a term of 12 months or less, the amount of the ear­ly with­draw­al penal­ty is 90 days div­i­dends cal­cu­lat­ed on the amount with­drawn. For cer­tifi­cates with a term of more than 12 months, the amount of the ear­ly with­draw­al penal­ty is 180 days div­i­dends cal­cu­lat­ed on the amount with­drawn. 2) How the Penal­ty Works. The penal­ty is cal­cu­lat­ed as a for­fei­ture of part of the inter­est that has been or would be earned at the nom­i­nal inter­est rate on the account. It applies whether or not the inter­est has been earned. In oth­er words, if the account has not yet earned enough inter­est or if the inter­est has already been paid, the penal­ty will be deduct­ed from the prin­ci­pal. 3) Excep­tions to Ear­ly With­draw­al Penal­ties. At our option, we may pay the account before matu­ri­ty with­out impos­ing an ear­ly with­draw­al penal­ty under the fol­low­ing cir­cum­stances: when an ac- count own­er dies or is deter­mined legal­ly incom­pe­tent by a court or oth­er body of com­pe­tent juris­dic­tion. c. Renew­al Pol­i­cy Cer­tifi­cate accounts are auto­mat­i­cal­ly renew­able accounts. Auto­mat­i­cal­ly renew­able accounts will renew for anoth­er term upon matu­ri­ty. You have a grace peri­od of five (5) days after matu­ri­ty in which to with­draw funds in the account with­out being charged an ear­ly with­draw­al penal­ty. d. Nontransferable/​Nonnegotiable The account is non­trans­fer­able and non­nego­tiable. The funds in the account may not be pledged to secure any oblig­a­tion of an own­er, except oblig­a­tions with the Cred­it Union.

* The min­i­mum bal­ance required to earn the stat­ed Annu­al Per­cent­age Yield is iden­ti­fied above. If you do not main­tain the min­i­mum bal­ance, you will not earn the stat­ed Annu­al Per­cent­age Yield. For all accounts, div­i­dends are cal­cu­lat­ed by using the Dai­ly Bal­ance method, which applies a peri­od­ic rate to the bal­ance in the account each day.

¹ For all Reg­u­lar Share, Sun­rise Kids Sav­ings, Spe­cial Share, and Mon­ey Invest­ment accounts, you may not make more than four (4) cov­ered trans­ac­tions per month. Cov­ered trans­ac­tions include your checks, trans­fers ini­ti­at­ed through online bank­ing or mobile bank­ing, ACH trans­fers, mer­chant point of sale trans­ac­tions, preau­tho­rized or auto­mat­ic trans­fers, and over­draft pro­tec­tion trans­fers. Trans­fers to pay a loan with us are not cov­ered by this lim­it. The date we use to deter­mine the num­ber of trans­ac­tions is the date a trans­ac­tion is post­ed to (actu­al­ly cred­it­ed to or deb­it­ed from) an account, rather than the date you ini­ti­ate the trans­ac­tion. If you exceed this lim­it, we may refuse or reverse the trans­ac­tion, and we may impose a charge as spec­i­fied in the list­ing of ser­vice charges pro­vid­ed below. If you repeat­ed­ly exceed this lim­it, we may ter­mi­nate the account. For a Hol­i­day Club account, the entire bal­ance will be trans­ferred to anoth­er account of yours on or after Novem­ber 1 and the account will remain open. If any with­draw­al is made from this account before the end of the club term, then the account will be assessed a $25 penalty

* The min­i­mum bal­ance required to earn the stat­ed Annu­al Per­cent­age Yield is iden­ti­fied above. If you do not main­tain the min­i­mum bal­ance, you will not earn the stat­ed Annu­al Per­cent­age Yield. For all accounts, div­i­dends are cal­cu­lat­ed by using the Dai­ly Bal­ance method, which applies a peri­od­ic rate to the bal­ance in the account each day.

¹ For all Reg­u­lar Share, Sun­ny Kids Club, Spe­cial Share, and Mon­ey Invest­ment accounts, you may not make more than four (4) cov­ered trans­ac­tions per month. Cov­ered trans­ac­tions include your checks, trans­fers ini­ti­at­ed through online bank­ing or mobile bank­ing, ACH trans­fers, mer­chant point of sale trans­ac­tions, preau­tho­rized or auto­mat­ic trans­fers, and over­draft pro­tec­tion trans­fers. Trans­fers to pay a loan with us are not cov­ered by this lim­it. The date we use to deter­mine the num­ber of trans­ac­tions is the date a trans­ac­tion is post­ed to (actu­al­ly cred­it­ed to or deb­it­ed from) an account, rather than the date you ini­ti­ate the trans­ac­tion. If you exceed this lim­it, we may refuse or reverse the trans­ac­tion, and we may impose a charge as spec­i­fied in the list­ing of ser­vice charges pro­vid­ed below. If you repeat­ed­ly exceed this lim­it, we may ter­mi­nate the account. For a Hol­i­day Club account, the entire bal­ance will be trans­ferred to anoth­er account of yours on or after Novem­ber 1 and the account will remain open. If any with­draw­al is made from this account before the end of the club term, then the account will be assessed a $25 penalty.

* The min­i­mum bal­ance required to earn the stat­ed Annu­al Per­cent­age Yield is iden­ti­fied above. If you do not main­tain the min­i­mum bal­ance, you will not earn the stat­ed Annu­al Per­cent­age Yield. For all accounts, div­i­dends are cal­cu­lat­ed by using the Dai­ly Bal­ance method, which applies a peri­od­ic rate to the bal­ance in the account each day.

¹ For all Reg­u­lar Share, Sun­rise Kids Sav­ings, Spe­cial Share, and Mon­ey Invest­ment accounts, you may not make more than four (4) cov­ered trans­ac­tions per month. Cov­ered trans­ac­tions include your checks, trans­fers ini­ti­at­ed through online bank­ing or mobile bank­ing, ACH trans­fers, mer­chant point of sale trans­ac­tions, preau­tho­rized or auto­mat­ic trans­fers, and over­draft pro­tec­tion trans­fers. Trans­fers to pay a loan with us are not cov­ered by this lim­it. The date we use to deter­mine the num­ber of trans­ac­tions is the date a trans­ac­tion is post­ed to (actu­al­ly cred­it­ed to or deb­it­ed from) an account, rather than the date you ini­ti­ate the trans­ac­tion. If you exceed this lim­it, we may refuse or reverse the trans­ac­tion, and we may impose a charge as spec­i­fied in the list­ing of ser­vice charges pro­vid­ed below. If you repeat­ed­ly exceed this lim­it, we may ter­mi­nate the account. For a Hol­i­day Club account, the entire bal­ance will be trans­ferred to anoth­er account of yours on or after Novem­ber 1 and the account will remain open. If any with­draw­al is made from this account before the end of the club term, then the account will be assessed a $25 penalty.

* The min­i­mum bal­ance required to earn the stat­ed Annu­al Per­cent­age Yield is iden­ti­fied above. If you do not main­tain the min­i­mum bal­ance, you will not earn the stat­ed Annu­al Per­cent­age Yield. For all accounts, div­i­dends are cal­cu­lat­ed by using the Dai­ly Bal­ance method, which applies a peri­od­ic rate to the bal­ance in the account each day.

* The min­i­mum bal­ance required to earn the stat­ed Annu­al Per­cent­age Yield is iden­ti­fied above. If you do not main­tain the min­i­mum bal­ance, you will not earn the stat­ed Annu­al Per­cent­age Yield. For all accounts, div­i­dends are cal­cu­lat­ed by using the Dai­ly Bal­ance method, which applies a peri­od­ic rate to the bal­ance in the account each day.

APR means Annu­al Per­cent­age Rate. The rates list­ed above are the low­est rates pos­si­ble. All rates are based on an eval­u­a­tion of cred­it his­to­ry, so your actu­al rate may dif­fer. Sub­ject to cred­it, under­writ­ing cri­te­ria and guide­lines do apply. Rates can change at any time.

APR means Annu­al Per­cent­age Rate. The rates list­ed above are the low­est rates pos­si­ble. All rates are based on an eval­u­a­tion of cred­it his­to­ry, so your actu­al rate may dif­fer. Sub­ject to cred­it, under­writ­ing cri­te­ria and guide­lines do apply. Rates can change at any time.

APR means Annu­al Per­cent­age Rate. The rates list­ed above are the low­est rates pos­si­ble. All rates are based on an eval­u­a­tion of cred­it his­to­ry, so your actu­al rate may dif­fer. Sub­ject to cred­it, under­writ­ing cri­te­ria and guide­lines do apply. Rates can change at any time.

APR means Annu­al Per­cent­age Rate. The rates list­ed above are the low­est rates pos­si­ble. All rates are based on an eval­u­a­tion of cred­it his­to­ry, so your actu­al rate may dif­fer. Sub­ject to cred­it, under­writ­ing cri­te­ria and guide­lines do apply. Rates can change at any time.

APR means Annu­al Per­cent­age Rate. The rates list­ed above are the low­est rates pos­si­ble. All rates are based on an eval­u­a­tion of cred­it his­to­ry, so your actu­al rate may dif­fer. Sub­ject to cred­it, under­writ­ing cri­te­ria and guide­lines do apply. Rates can change at any time.