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Sun Federal Credit Union


Overview / Commentary
www.sunfederalcu.org
800-786-0945
1627 Holland Rd
Maumee, OH 43537

Sun Federal Credit Union is headquartered in Maumee and is the 9th largest credit union in the state of Ohio. It is also the 556th largest credit union in the nation. It was established in 1951 and as of December of 2019, it had grown to 133 employees and 35,276 members at 13 locations. Sun Federal Credit Union's money market rates are 36% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Sun Federal is open to (1) those who reside, work or conduct business regularly, attend school, or worship in one of the following counties: Berks, Delaware, Philadelphia and Montgomery. (2) Immediate family or household members. (3) Employees, retirees, students or members of a sponsored group or community in Ohio, Michigan, Pennsylvania, Delaware and New Jersey (full list of sponsored groups is listed on the credit union's website).
See current membership details

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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.

2

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.

2


Health
B+

Data as of Q4 2019

Learn why bank health matters

Health Grade Components

Overall
NCUA #7064
Year Chartered1951
Employees133
Primary Regulator
Profit Margin
Return on Assets - YTD0.38%
Return on Equity - YTD4.15%
Annual Interest Income$20.4MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$532.6MM$511.2MM
LoansQ4 2019vs Q4 2018$355.5MM$344.8MM
DepositsQ4 2019vs Q4 2018$472.3MM$466.0MM
Equity CapitalQ4 2019vs Q4 2018$48.4MM$43.0MM
Loan Loss AllowanceQ4 2019vs Q4 2018$1.4MM$1.7MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$4.7MM$5.2MM
Real Estate OwnedQ4 2019vs Q4 2018$103.00K$48.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not Sun Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$10k*-Health Savings Account - MVP
OTHER TIERS: 0.60% → Up to $5k | 0.75% → $5k - $10k
0.60%*$10k*-Health Savings Account
OTHER TIERS: 0.20% → Up to $5k | 0.40% → $5k - $10k
0.10%--IRA Savings
0.10%$5-Share Savings
0.10%$5-Business Share Savings
0.10%--IRA Savings - MVP
0.10%$5-Share Savings - MVP

Sun Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.70%*$200k*-Empower Money Market - MVP
OTHER TIERS: 0.10% → $1k - $75k | 0.50% → $75k - $100k | 0.60% → $100k - $150k | 0.65% → $150k - $200k
0.60%*$200k*-Empower Money Market
OTHER TIERS: 0.10% → $1k - $75k | 0.40% → $75k - $100k | 0.50% → $100k - $150k | 0.55% → $150k - $200k
0.50%*$75k*-Amplify Money Market - MVP
OTHER TIERS: 0.20% → $1k - $25k | 0.30% → $25k - $50k | 0.40% → $50k - $75k
0.40%*$75k*-Amplify Money Market
OTHER TIERS: 0.15% → $1k - $25k | 0.25% → $25k - $50k | 0.35% → $50k - $75k

Sun Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*-$15kKasasa Cash
OTHER TIERS: 0.25% → $15k+
2.00%*-$15kKasasa Cash - MVP
OTHER TIERS: 0.25% → $15k+
0.30%*$75k*-Business Checking
OTHER TIERS: 0.15% → $10k - $25k | 0.20% → $25k - $50k | 0.25% → $50k - $75k

Sun Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.36%$1k-84 Month Raise-Up MVP CD
1.36%$1k-84/48 Callable MVP CD
1.21%$1k-48 Month MVP CD
1.21%$1k-48/18 Callable MVP CD
1.21%$1k-54 Month MVP CD
1.21%$1k-54/24 Callable MVP CD
1.16%$1k-36 Month MVP CD
1.16%$1k-36/12 Callable MVP CD
1.11%--30 Month Add-On Youth MVP CD
1.11%--30 Month MVP CD
1.06%$1k-84 Month Raise-Up CD
1.00%$500-18 Month MVP CD
1.00%$500-24 Month Add-On MVP CD
0.90%$1k-48 Month CD
0.90%$1k-54 Month CD
0.90%$500-12 Month MVP CD
0.75%$1k-36 Month CD
0.70%--30 Month CD
0.60%$500-18 Month CD
0.60%$500-24 Month Add-On CD
0.50%$500-12 Month CD
0.50%$500-6 Month MVP CD
0.35%$500-3 Month MVP CD
0.25%$500-6 Month CD
0.20%$500-3 Month CD

Sun Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.36%$1k-84 Month Raise-Up MVP IRA
1.36%$1k-84/48 Callable MVP IRA
1.21%$1k-42 Month Add-On MVP IRA
1.21%$1k-48 Month MVP IRA
1.21%$1k-48/18 Callable MVP IRA
1.21%$1k-54 Month MVP IRA
1.21%$1k-54/24 Callable MVP IRA
1.16%$1k-36 Month MVP IRA
1.16%$1k-36/12 Callable MVP IRA
1.11%--30 Month MVP IRA
1.06%$1k-84 Month Raise-Up IRA
1.00%$500-18 Month MVP IRA
1.00%$500-24 Month MVP IRA
0.90%$1k-48 Month IRA
0.90%$1k-54 Month IRA
0.90%$500-12 Month MVP IRA
0.85%$1k-42 Month Add-On IRA
0.75%$1k-36 Month IRA
0.70%--30 Month IRA
0.60%$500-18 Month IRA
0.60%$500-24 Month IRA
0.50%$500-12 Month IRA
0.50%$500-6 Month MVP IRA
0.35%$500-3 Month MVP IRA
0.25%$500-6 Month IRA
0.20%$500-3 Month IRA
Locations

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