Rates


  • Loan Rates +

    • Real Estate (Must be in California) +

      Type Term Years APR*

      2nd Mortgage (Owner Occupied)

      15
      Risk Grade A 5.500% (Fixed)
      Risk Grade B 6.000% (Fixed)
      Risk Grade C 8.000% (Fixed)
      Risk Grade D 8.750% (Fixed)

      2nd Mortgage (Non-Owner Occupied)

      12
      Risk Grade A 7.500% (Fixed)
      Risk Grade B 8.000% (Fixed)
      Risk Grade C 10.000% (Fixed)
      Risk Grade D 10.750% (Fixed)

      Equity Line of Credit

      20
      Risk Grade A 5.125% (Variable)
      Risk Grade B 5.750% (Variable)
      Risk Grade C 7.625% (Variable)
      Risk Grade D 8.375% (Variable)
    • Share Secured Loan +

      Type Term (Years) APR*
      Share Secured Loan 5 3.51% (Fixed)
    • Pesonal/Unsecured +

      Type Term (Years) APR*
      Personal/Unsecured 5 8.90% - 16.46% (Fixed)
      Emergency Loan 6 Months 28.00% (Fixed)
    • VISA Card +

      Type Term (Years) APR* Limit
      Risk Grade A Pinnacle Gold 13.42% (Fixed) $6,000
      Risk Grade B SP Gold 14.57% (Fixed) $5,000
      Risk Grade C Classic Elite 16.85% (Fixed) $2,000
      Risk Grade D SP Classic 17.79% (Fixed) $750
      Income must be greater than $30,000 per annum for Gold Card
  • Car Loan Rates +

    • Risk Grade A +

      Model Year Number of Years APR*
      2017 to 2019 7 Yrs 5.17%
      2017 to 2019 6 Yrs 4.67%
      2017 to 2019 5 Yrs 3.47%
      2012 to 2016 4 Yrs 3.36%
      2008 to 2011 3 Yrs 3.29%
      2003 to 2007 2 Yrs 3.20%
    • Risk Grade B +

      Model Year Number of Years APR*
      2017 to 2019 7 Yrs 5.57%
      2017 to 2019 6 Yrs 5.07%
      2017 to 2019 5 Yrs 4.32%
      2012 to 2016 4 Yrs 4.11%
      2008 to 2011 3 Yrs 3.90%
      2003 to 2007 2 Yrs 3.81%
    • Risk Grade C +

      Model Year Number of Years APR*
      2017 to 2019 7 Yrs 8.93%
      2017 to 2019 6 Yrs 8.43%
      2017 to 2019 5 Yrs 7.70%
      2012 to 2016 4 Yrs 7.48%
      2008 to 2011 3 Yrs 7.26%
      2003 to 2007 2 Yrs 7.17%
    • Risk Grade D +

      Model Year Number of Years APR*
      2017 to 2019 7 Yrs 11.67%
      2017 to 2019 6 Yrs 11.42%
      2017 to 2019 5 Yrs 11.17%
      2012 to 2016 4 Yrs 9.96%
      2008 to 2011 3 Yrs 9.75%
      2003 to 2007 2 Yrs 9.66%
  • Deposit Rates +

    • Rates +

      Effective as of: 03/01/2019

      Account APY**
      Sun Fund Money Market Balance $5,000 to less than $10,000 0.60%
      Sun Fund Money Market Balance $10,000 or more 0.70%
      Sun Fund Money Market Balance $50,000 or more 1.00%
      Share Account 0.20%
      Youth Account 0.20%
      Christmas Club Account 0.20%
      Vacation Club Account 0.20%
      Variable Rate IRA 1.00%
      Share Draft Account 0.10%
    • Share Certificate Accounts +

      Effective as of: 02/14/2019

      Account APY**
      6-month Certificate $10,000 or more 1.10%
      6-month Certificate less than $10,000 0.85%
      12-month Certificate $10,000 or more 1.61%
      12-month Certificate less than $10,000 1.36%
      30-month Certificate $10,000 or more 2.12%
      30-month Certificate less than $10,000 1.87%
  • Fees +

    Effective as of: 03/01/2019

    Type Fee
    Membership Application Fee Free
    Early Account Closing (within 6 months) $20.00
    Open Checking Account - waived with direct dep or payroll ded. $20.00
    Opening second account within one account type $20.00
    Re-open Account $20.00
    Early Christmas Account Withdrawal $10.00
    New Debit Card -- waived with payroll deduction or dir dep $20.00
    VISA Card Rush $30.00
    VISA Credit Card Temporary Limit Increase Request $20.00
    Debit Card or Credit Card Replacement $20.00
    PIN Replacement $20.00
    Draft Printing Fee depends on style of draft ordered
    Draft Photocopy Fee $5.00
    Check Cashing - Waived if combined deposit bal more than $100 $5.00
    Temporary Check Printing (after 1st complimentary printing) $5.00 per sheet
    Phone Transfer - waived when comb. act. balance > $2,500 $5.00
    Returned Item--Open Account $20.00
    Returned Item -- Closed Account $40.00
    Returned Item -- Check drawn on own act. at other Fin. Inst. $40.00
    Resubmit Deposit Item $10.00
    Stop Payments (all items) $25.00
    Corporate Check Stop Payment $15.00
    Collection Item $50.00
    Levies $25.00
    Teller Check (if payee other than member) $2.00
    Emergency Loan Application Fee $20.00
    Mortgage Loan Application Fee $250.00
    Demand for Payoff (Mortgage Loan) $25.00
    Mortgage Reconveyance Fee Call for current fees
    Loan Modification Fee $20.00
    Lien Satisfied $20.00
    Subordination Fee $50.00
    Large Cash Order Fee 17cents per $100, above $2,000 --
    Verification of Deposit -- waived for Seniors $25.00
    Account Activity Printout $5.00
    Returned Mail $2.00
    Account Research $20.00 per hour
    Dormant Account Research $25.00
    Statement Reprint $5.00
    Duplicate Tax Form (1098, 1099) $5.00
    Notary Services -- Non Member (per signature) $10.00
    Wire Outgoing $35.00
    ACH Origination (Electronic account transfer) $15.00
    NSF fee checking account $25.00
    Below Minimum Balance Fee -- Regular Share under $100 $5.00 per month
    Lobby ATM $2.00
    Incorrect Taxpayer ID $50.00
    Excessive withdrawals from savings $3.00

*APR = ANNUAL PERCENTAGE RATE. RATE BASED ON CREDITWORTHINESS AND TERM OF LOAN.

**APY = ANNUAL PERCENTAGE YIELD. RATES ARE SUBJECT TO CHANGE AT ANY TIME AND ARE NOT GUARANTEED.