Sun Community Credit Union

1068 Broadway
El Centro, CA 92243
(800) 404-3323
www.suncommunityfcu.org

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Sun Community Credit Union is headquartered in El Centro and is the 95^th largest credit union in the state of California. It is also the 700^th largest credit union in the nation. It was established in 1954 and as of December of 2012, it had grown to 120 employees and 45,229 members. Sun Community Credit Union's savings rates are 44% higher than the national average, and it boasts a 5-star health rating.

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See Rates for: Savings | Money Market | CD | IRA

Sun Community Credit Union Savings Account Rates

Apy	Min	Max	Product
0.75%	-	-	Big Twelve Savings
0.50%	-	-	Savings Safari Club
0.50%	-	-	STAR Account
0.50%	$1k	-	Christmas Club
0.40%	$100k	-	IRA Savings
0.40%	$100k	-	Roth IRA Savings
0.40%	$100k	-	CESA Savings
0.05%	$5k	-	Regular Savings
0.05%	$5k	-	Special Savings
0.05%	$5k	-	Merchant Savings
0.05%	$5k	-	Business Savings

Sun Community Credit Union Money Market Rates

Apy	Min	Max	Product
0.50%	$1m	-	Super Money Market
0.50%	$1m	-	Merchant Money Market
0.50%	$1m	-	Business Money Market

Sun Community Credit Union CD Rates

Apy	Min	Max	Product
1.01%	$500	$100k	12 Month CD
1.01%	$100k	-	12 Month Jumbo CD
0.90%	$500	$100k	60 Month CD
0.90%	$100k	-	60 Month Jumbo CD
0.80%	$500	$100k	48 Month CD
0.80%	$100k	-	48 Month Jumbo CD
0.70%	$500	$100k	24 Month CD
0.70%	$500	$100k	36 Month CD
0.70%	$100k	-	24 Month Jumbo CD
0.70%	$100k	-	36 Month Jumbo CD
0.65%	$500	$100k	18 Month CD
0.65%	$100k	-	18 Month Jumbo CD
0.45%	$500	$100k	180 Day CD
0.45%	$100k	-	180 Day Jumbo CD

Sun Community Credit Union IRA Rates

Apy	Min	Max	Product
1.01%	$500	$100k	12 Month IRA
1.01%	$100k	-	12 Month Jumbo IRA
1.01%	$500	$100k	12 Month Roth IRA
1.01%	$100k	-	12 Month Jumbo Roth IRA
1.01%	$500	$100k	12 Month CESA
1.01%	$100k	-	12 Month Jumbo CESA
0.90%	$500	$100k	60 Month IRA
0.90%	$100k	-	60 Month Jumbo IRA
0.90%	$500	$100k	60 Month Roth IRA
0.90%	$100k	-	60 Month Jumbo Roth IRA
0.90%	$500	$100k	60 Month CESA
0.90%	$100k	-	60 Month Jumbo CESA
0.80%	$500	$100k	48 Month IRA
0.80%	$100k	-	48 Month Jumbo IRA
0.80%	$500	$100k	48 Month Roth IRA
0.80%	$100k	-	48 Month Jumbo Roth IRA
0.80%	$500	$100k	48 Month CESA
0.80%	$100k	-	48 Month Jumbo CESA
0.70%	$500	$100k	24 Month IRA
0.70%	$100k	-	24 Month Jumbo IRA
0.70%	$500	$100k	36 Month IRA
0.70%	$100k	-	36 Month Jumbo IRA
0.70%	$500	$100k	24 Month Roth IRA
0.70%	$100k	-	24 Month Jumbo Roth IRA
0.70%	$500	$100k	36 Month Roth IRA
0.70%	$100k	-	36 Month Jumbo Roth IRA
0.70%	$500	$100k	24 Month CESA
0.70%	$100k	-	24 Month Jumbo CESA
0.70%	$500	$100k	36 Month CESA
0.70%	$100k	-	36 Month Jumbo CESA
0.65%	$500	$100k	18 Month IRA
0.65%	$100k	-	18 Month Jumbo IRA
0.65%	$500	$100k	18 Month Roth IRA
0.65%	$100k	-	18 Month Jumbo Roth IRA
0.65%	$500	$100k	18 Month CESA
0.65%	$100k	-	18 Month Jumbo CESA
0.45%	$500	$100k	6 Mionth IRA
0.45%	$100k	-	6 Mionth Jumbo IRA
0.45%	$500	$100k	6 Mionth Roth IRA
0.45%	$100k	-	6 Mionth Jumbo Roth IRA
0.45%	$500	$100k	6 Mionth CESA
0.45%	$100k	-	6 Mionth Jumbo CESA

Rates updated: 5/19/2013

Data for Q4 2012

Institution Statistics

SUN COMMUNITY
NCUA #	9296
BankRate Report	View
Year Chartered	1954
Employees	120
Primary Regulator
Assets and Liabilities
Assets	$278.04 million
Loans	$154.88 million
Deposits	$243.12 million
Equity Capital	$32.28 million
Loan Loss Allowance	$2.28 million
Unbacked Noncurrent Loans	$2.19 million
Real Estate Owned	$382,000
Historic Data - December 2011
Assets	$270.80 million
Equity Capital	$29.72 million
Loan Loss Allowance	$3.82 million
Unbacked Noncurrent Loans	$2.38 million
Real Estate Owned	$888,000
Profit Margin - Quarterly
Net Interest Margin	5.77%
Return on Assets	0.62%
Return on Equity	5.38%
Interest Income	$11.20 million
Non-Interest Income	$6.61 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Sun Community Credit Union had $2.57 million in non-current loans and owned real-estate with $34.56 million in equity and loan loss allowances on hand to cover it. This gives Sun Community Credit Union a Texas Ratio of 7.44% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Sun Community Credit Union decreased slightly from 9.74% as of December 31, 2011 to 7.44% as of December 31, 2012, resulting in a positive change of 23.60%.This indicates that the balance sheet and financial strength for Sun Community Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Sun Community Credit Union has increased its total deposits by $5.2 million, resulting in 2.19% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Sun Community Credit Union has shown is above average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Sun Community Credit Union has $278.04 million in assets with $34.56 million in equity, resulting in a capitalization level of 12.43%, which is excellent.

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