Sun Federal Credit Union

Overview / Commentary
1627 Holland Rd
Maumee, OH 43537

Sun Federal Credit Union is headquartered in Maumee and is the 13th largest credit union in the state of Ohio. It is also the 615th largest credit union in the nation. It was established in 1951 and as of March of 2024, it had grown to 141 employees and 35,247 members at 12 locations. Sun Federal Credit Union's savings rates are 14X the national average, and it has a B health rating.

Field of Membership Restrictions

Sun Federal is open to those who regularly conduct business, or live, work, attend school, or worship in the Pennsylvania counties or Berks, Delaware, Montgomery, or Philadelphia; or in 85 census tracts in Lucas and Wood Counties, Ohio. Employees, retirees, students and members of a sponsored group or community in Ohio, Michigan, Pennsylvania, Delaware and New Jersey are also eligible to join. (Full list of sponsored groups is listed on the credit union's website).
See current membership details

Reviews (2)

Sun Federal Is My Home Away From Home

Posted by: |

Not only does Sun Federal more than satisfy all of my financial service needs, the employees there treat me like I am family.

I highly recommend Sun for everyone who is eligible to join.

Friendly, Small Credit Union With Quirks

Posted by: |

Generally a good place. Employees are very friendly and helpful, and generally seem to have your best interest at heart.

Just keep in mind that this is a smaller credit union though -- and as such, it can have some quirks. For instance, on statements, an HSA account will instead be listed as an "IRA" account, as apparently their computers can't/don't differentiate for your monthly statements. Also, if you have beneficiaries assigned, the bank will show them as co-owners rather than beneficiaries on statements. I talked to a rep about both of these, and was told yes, that's just a glitch in the computer software and the way the statements are made... it IS an HSA account not an IRA, and those ARE beneficiaries not co-owners, even though the statements show otherwise because of the software. Just little things like that.

So keeping in mind quirks like that which can often come with a smaller credit union, it's a good place to bank. I'm still there.


Health Grade Components

NCUA #7064
Year Chartered1951
Primary Regulator
Profit Margin
Return on Assets - YTD0.39%
Return on Equity - YTD5.76%
Annual Interest Income$7.2MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$674.1MM$648.3MM
LoansQ1 2024vs Q1 2023$484.6MM$470.7MM
DepositsQ1 2024vs Q1 2023$562.8MM$587.8MM
Equity CapitalQ1 2024vs Q1 2023$45.5MM$41.6MM
Loan Loss AllowanceQ1 2024vs Q1 2023$3.1MM$2.9MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$2.8MM$3.1MM
Real Estate OwnedQ1 2024vs Q1 2023$0$139K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Sun Federal Credit Union Savings Account Rates

7.25%$100$100kOhio Homebuyer Plus Special
6.00%$0-Round 'n Save - MVP
1.00%*$10k*-Health Savings Account - MVP
OTHER TIERS: 0.60% $0 - $5k | 0.75% $5k - $10k
0.75%*$75k*-Business Club Account
OTHER TIERS: 0.55% $1k - $25k | 0.60% $25k - $50k | 0.65% $50k - $75k
0.60%*$10k*-Health Savings Account
OTHER TIERS: 0.20% $0 - $5k | 0.40% $5k - $10k
0.05%$0-IRA Savings
0.05%$5-Share Savings
0.05%$5-Business Share Savings
0.05%$0-IRA Savings - MVP
0.05%$5-Share Savings - MVP
0.05%$0-Round 'n Save

Sun Federal Credit Union Money Market Rates

1.10%*$200k*-Empower Money Market - MVP
OTHER TIERS: 0.05% $1k - $75k | 0.90% $75k - $100k | 0.95% $100k - $150k | 1.00% $150k - $200k
1.00%*$75k*-Amplify Money Market - MVP
OTHER TIERS: 0.80% $1k - $25k | 0.85% $25k - $50k | 0.90% $50k - $75k
0.75%*$200k*-Empower Money Market
OTHER TIERS: 0.05% $1k - $75k | 0.60% $75k - $100k | 0.65% $100k - $150k | 0.70% $150k - $200k
0.65%*$75k*-Amplify Money Market
OTHER TIERS: 0.50% $1k - $25k | 0.55% $25k - $50k | 0.60% $50k - $75k

Sun Federal Credit Union Checking Account Rates

4.00%*$0$15kKasasa Cash
OTHER TIERS: 0.25% $15k+
4.00%*$0$15kKasasa Cash - MVP
OTHER TIERS: 0.25% $15k+
0.75%*$75k*-Business Checking
OTHER TIERS: 0.55% $10k - $25k | 0.60% $25k - $50k | 0.65% $50k - $75k
0.75%*$750k*-Premium Business Checking
OTHER TIERS: 0.55% $1k - $25k | 0.60% $25k - $50k | 0.65% $50k - $75k

Sun Federal Credit Union CD Rates

5.00%$500-12 Month FlexiRate CD Special
5.00%$500-12 Month FlexiRate MVP CD Special
4.75%$500-12 Month MVP CD
4.50%$500-18 Month MVP CD
4.40%$500-12 Month CD
4.15%$500-18 Month CD
4.15%$1k-36 Month MVP CD
4.15%$1k-48 Month MVP CD
4.00%$1k-54 Month MVP CD
4.00%$1k-60 Month MVP CD
3.80%$1k-36 Month CD
3.80%$1k-48 Month CD
3.80%$500-24 Month Add-On MVP CD
3.70%$0-30 Month Add-On Youth MVP CD
3.65%$1k-54 Month CD
3.65%$1k-60 Month CD
3.50%$1k-84 Month Raise-Up MVP CD
3.45%$500-24 Month Add-On CD
3.15%$1k-84 Month Raise-Up CD
0.90%$500-6 Month MVP CD
0.75%$500-3 Month MVP CD
0.65%$500-6 Month CD
0.50%$500-3 Month CD

Sun Federal Credit Union IRA Rates

5.00%$500-12 Month FlexiRate IRA Special
5.00%$500-12 Month FlexiRate MVP IRA Special
4.75%$500-12 Month MVP IRA
4.50%$500-18 Month MVP IRA
4.40%$500-12 Month IRA
4.15%$500-18 Month IRA
4.15%$1k-36 Month MVP IRA
4.15%$1k-48 Month MVP IRA
4.00%$1k-42 Month Add-On MVP IRA
4.00%$1k-54 Month MVP IRA
4.00%$1k-60 Month MVP IRA
3.80%$1k-36 Month IRA
3.80%$1k-48 Month IRA
3.80%$500-24 Month MVP IRA
3.65%$1k-42 Month Add-On IRA
3.65%$1k-54 Month IRA
3.65%$1k-60 Month IRA
3.50%$1k-84 Month Raise-Up MVP IRA
3.45%$500-24 Month IRA
3.15%$1k-84 Month Raise-Up IRA
0.90%$500-6 Month MVP IRA
0.75%$500-3 Month MVP IRA
0.65%$500-6 Month IRA
0.50%$500-3 Month IRA


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