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Sunward Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
gosunward.org
505-293-0500
3707 Juan Tabo Blvd NE
Albuquerque, NM 87111

Sunward Federal Credit Union is headquartered in Albuquerque and is the 2nd largest credit union in the state of New Mexico. It is also the 111th largest credit union in the nation. It was established in 1948 and as of March of 2025, it had grown to 520 employees and 167,580 members at 12 locations. Sunward Federal Credit Union's money market rates are 7X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Sunward Federal Credit Union is open to member of the American Consumer Council or Current and retired employees of more than 1,400 Sunward partner companies and their family members or Members of the National Museum of Nuclear Science & History or the Albuquerque International Association, or Anyone who lives, works, worships, volunteers, or attends school in Valencia County, New Mexico. Family and household members of current members can also apply.
See current membership details

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Health
B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #5851
Year Chartered1948
Employees520
Primary Regulator
Profit Margin
Return on Assets - YTD-0.32%
Return on Equity - YTD-5.46%
Annual Interest Income$44MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$4.25B$4.13B
LoansQ1 2025vs Q1 2024$2.6B$2.16B
DepositsQ1 2025vs Q1 2024$3.39B$3.18B
Equity CapitalQ1 2025vs Q1 2024$246.4MM$184.2MM
Loan Loss AllowanceQ1 2025vs Q1 2024$23.4MM$18.6MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$12MM$6.2MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Sunward Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$10k*-Share Savings
OTHER TIERS: 0.05% → $100 - $10k

Sunward Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.04%*$1$2.5kPower Money Market
OTHER TIERS: 0.10% → $25k+ | 0.20% → $15k - $25k | 0.25% → $10k - $15k | 0.50% → $5k - $10k | 1.51% → $2.5k - $5k
2.79%*$250k*-Business Money Maker Account
OTHER TIERS: 0.75% → $2.5k - $25k | 1.01% → $25k - $50k | 2.02% → $50k - $100k | 2.53% → $100k - $250k
0.75%*$50k*- Money Market Savings
OTHER TIERS: 0.25% → $2.5k - $10k | 0.40% → $10k - $25k | 0.55% → $25k - $50k

Sunward Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$500-Money Manager Checking

Sunward Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%*$200k*-6 Month CD
OTHER TIERS: 3.89% → $500 - $200k
4.00%*$200k*-Business 6 Month CD
OTHER TIERS: 3.89% → $500 - $200k
3.90%*$200k*-12 Month CD
OTHER TIERS: 3.80% → $500 - $200k
3.90%*$200k*-Business 12 Month CD
OTHER TIERS: 3.80% → $500 - $200k
3.55%*$200k*-24 Month CD
OTHER TIERS: 3.45% → $500 - $200k
3.55%*$200k*-Business 24 Month CD
OTHER TIERS: 3.45% → $500 - $200k
3.40%*$200k*-36 Month CD
OTHER TIERS: 3.30% → $500 - $200k
3.40%*$200k*-60 Month CD
OTHER TIERS: 3.30% → $500 - $200k
3.40%*$200k*-Business 36 Month CD
OTHER TIERS: 3.30% → $500 - $200k
3.40%*$200k*-Business 60 Month CD
OTHER TIERS: 3.30% → $500 - $200k
3.35%*$200k*-48 Month CD
OTHER TIERS: 3.25% → $500 - $200k
3.35%*$200k*-Business 48 Month CD
OTHER TIERS: 3.25% → $500 - $200k
3.21%*$200k*-3 Month CD
OTHER TIERS: 3.09% → $500 - $200k
3.21%*$200k*-Business 3 Month CD
OTHER TIERS: 3.09% → $500 - $200k
3.00%$500-16 Month Flex CD

Sunward Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%*$200k*-6 Month IRA
OTHER TIERS: 3.89% → $500 - $200k
3.90%*$200k*-12 Month IRA
OTHER TIERS: 3.80% → $500 - $200k
3.55%*$200k*-24 Month IRA
OTHER TIERS: 3.45% → $500 - $200k
3.40%*$200k*-36 Month IRA
OTHER TIERS: 3.30% → $500 - $200k
3.40%*$200k*-60 Month IRA
OTHER TIERS: 3.30% → $500 - $200k
3.35%*$200k*-48 Month IRA
OTHER TIERS: 3.25% → $500 - $200k
3.21%*$200k*-3 Month IRA
OTHER TIERS: 3.09% → $500 - $200k
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