Sunmark Credit Union

Overview / Commentary
1187 Troy-Schenectady Rd
Latham, NY 12110

Sunmark Credit Union is headquartered in Latham and is the 21st largest credit union in the state of New York. It is also the 387th largest credit union in the nation. It was established in 1937 and as of September of 2023, it had grown to 253 employees and 90,842 members at 16 locations. Sunmark Credit Union's money market rates are 7X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Sunmark Credit Union is open to anyone who lives, works, worships, goes to school, volunteers, or owns a business in the New York counties of Albany, Columbia, Dutchess, Fulton, Greene, Montgomery, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Schoharie, Warren, or Westchester. Also open to employees of one of more than 250 Community Business Partners. Immediate family members of a current Sunmark Credit Union are also eligible to join.
See current membership details

Reviews (5)

Great Local Credit Union

Posted by: |

I've been doing my banking at Sunmark for a few years. I am always pleased with the great service I get from the staff. Very helpful and great attitude to me. Loan rates are very good, I have refinanced my mortgage with them and had an auto loan. I would definitely recommend them.

Friendly, Helpful, Competitive

Posted by: |

I have held multiple accounts with Sunmark and they are always very courteous and friendly. They have always been will to take the time to make sure that I am getting exactly what I want. They offered me one of the best CD rates I have seen in a long time after previously holding multiple CDs with HSBC rates had dropped dramatically and I began looking for the best offer I could. I finally managed to sit down with and discuss my needs with a sunmark manager and she offered me special rates if I transferred other accounts over as well as the CDs so I did and I have been taking advantage ever since and their checking accounts are no hassle and low or no fees, I am able to use their atms anywhere and not get hit with a fee also they offer nice incentives like higher interest rate saving accounts with higher carried balances which I found nice. I have been satisfied with this credit union for years and I will continue to bank with them for many more.

Worst Customer Service!

Posted by: |

This bank has a decent amount of features and the online uses are nice, but god forbid you should ever have to speak with a human that works there. EVERY time I call, usually because of a bank error, I am treated incredibly rudely. They generally will treat you as if you are a stupid child and blame you for any error. I've been with this bank for nearly twenty years and I'm almost at my breaking point. 

I'm Done With Sunmark

Posted by: |

I used to use my credit for out of town until they wanted me to tell them where I'm going and when. None of their business. Now using it around town, they want me to verify the charges. This is the least customer friendly bank I'm ever used and I'm done with them.

Worst Bank Ever

Posted by: |

I have had the worst experience of my life purchasing a home thanks to this bank. They took a once in a lifetime experience and made it pure misery from start to finish.


Health Grade Components

NCUA #68710
Year Chartered1937
Primary Regulator
Profit Margin
Return on Assets - YTD0.46%
Return on Equity - YTD5.97%
Annual Interest Income$38.5MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$1.15B$1.09B
LoansQ3 2023vs Q3 2022$1.04B$979.8MM
DepositsQ3 2023vs Q3 2022$997.8MM$949.5MM
Equity CapitalQ3 2023vs Q3 2022$88.2MM$85.2MM
Loan Loss AllowanceQ3 2023vs Q3 2022$5.7MM$4.9MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$6.1MM$6.6MM
Real Estate OwnedQ3 2023vs Q3 2022$0$82K
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Always verify rates and promotions with the bank or credit union. We are not Sunmark 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.

Sunmark Credit Union Savings Account Rates

1.50%*$2.5k*-Health Savings Account
OTHER TIERS: 1.00% Up to $2.5k
0.75%*-$150kKasasa Saver
OTHER TIERS: 0.25% $150k+
0.45%*$40k*-Regular IRA Share Savings
OTHER TIERS: 0.10% Up to $10k | 0.20% $10k - $40k
0.20%--Youth Savings
0.10%--Special Event Savings Plan
0.10%--Holiday Savings Plan
0.10%--Commercial Savings
0.05%--Silver Savings Plan
0.05%--Membership Savings Plan

Sunmark Credit Union Money Market Rates

3.25%*$200k*-Premier Money Market
OTHER TIERS: 2.50% $50k - $100k | 2.75% $100k - $150k | 3.00% $150k - $200k
3.00%*$500k*-Commercial Money Market
OTHER TIERS: 0.20% $500 - $10k | 0.50% $10k - $25k | 1.00% $25k - $40k | 1.50% $40k - $100k | 2.50% $100k - $250k | 2.75% $250k - $500k
1.25%*$100k*-Money Market Account
OTHER TIERS: 0.20% $500 - $10k | 0.50% $10k - $25k | 0.75% $25k - $40k | 1.00% $40k - $100k

Sunmark Credit Union Checking Account Rates

2.50%*-$25kKasasa Cash Checking
OTHER TIERS: 0.25% $25k+
0.10%*$7.5k*-Business Earnings Checking
OTHER TIERS: 0.05% $2.5k - $7.5k
0.05%$750-Earnings Checking

Sunmark Credit Union CD Rates

5.10%$500-90 Day CD
5.10%$500-3 Month Commercial Share Certificate
5.00%$500-6 Month Commercial Share Certificate
5.00%$500-6 Month CD Special
4.75%$500-9 Month CD
4.75%$500-9 Month Commercial Share Certificate
4.50%$500-1 Year Commercial Share Certificate
4.50%$500-12 Month CD Special
4.25%$500-18 Month CD
4.25%$500-2 Year Commercial Share Certificate
4.25%$500-18 Month Commercial Share Certificate
4.00%$500-2 Year CD
3.50%$500-3 Year CD
3.50%$500-3 Year Commercial Share Certificate
3.25%$500-4 Year CD
3.25%$500-5 Year CD
3.25%$500-4 Year Commercial Share Certificate
3.25%$500-5 Year Commercial Share Certificate

Sunmark Credit Union IRA Rates

4.75%$500-9 Month IRA
4.50%$500-1 Year IRA
4.25%$500-18 Month IRA
4.00%$500-2 Year IRA
3.50%$500-3 Year IRA
3.25%$500-4 Year IRA
3.25%$500-5 Year IRA


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