Rates

  • Loan Rates +

    • Real Estate (Must be in California) +

      Type Term Years APR*

      2nd Mortgage (Owner Occupied)

      		 15
      Risk Grade A+ 7.500% (Fixed)
      Risk Grade A 7.750% (Fixed)
      Risk Grade B 8.250% (Fixed)
      Risk Grade C 10.250% (Fixed)
      Risk Grade D 10.750% (Fixed)

      2nd Mortgage (Non-Owner Occupied)

      		 12
      Risk Grade A+ 9.500% (Fixed)
      Risk Grade A 9.750% (Fixed)
      Risk Grade B 10.250% (Fixed)
      Risk Grade C 12.250% (Fixed)
      Risk Grade D 12.750% (Fixed)

      Equity Line of Credit

      		 20
      Risk Grade A+ 7.000% (Variable)
      Risk Grade A 7.250% (Variable)
      Risk Grade B 7.750% (Variable)
      Risk Grade C 9.750% (Variable)
      Risk Grade D 10.250% (Variable)

    • Share Secured Loan +

      Type Term (Years) APR*
      Share Secured Loan 5 4.79% (Fixed)

    • Personal/Unsecured +

      Type Term (Years) APR*
      Personal/Unsecured 5 7.99% - 16.46% (Fixed)
      Emergency Loan 12 Months 28.00% (Fixed)

    • VISA Card +

      Type APR* Limit
      Pinnacle Gold (Risk Grade A+) 8.79% (Fixed) $10,000
      Elite Gold (Risk Grade A) 11.95% (Fixed) $7,000
      SP Gold (Risk Grade B) 13.57% (Fixed) $5,000
      Elite Classic (Risk Grade C) 16.85% (Fixed) $2,000
      SP Classic (Risk Grade D) 17.79% (Fixed) $750
      Sun Pacific now has a VISA Credit Card Cash Rewards program where our cardholders can earn 1% back on approved net purchases. Please click here for full details or contact Sun Pacific at 510-970-1181
      Income must be greater than $30,000 per annum for Gold Card

  • Car Loan Rates +

    • Risk Grade A+ +

      Model Year Number of Years APR*
      2023 to 2025 7 Yrs 5.75%
      2023 to 2025 6 Yrs 5.45%
      2023 to 2025 5 Yrs 5.35%
      2018 to 2022 4 Yrs 5.25%
      2014 to 2017 3 Yrs 4.90%
      2009 to 2013 2 Yrs 4.80%

    • Risk Grade A +

      Model Year Number of Years APR*
      2023 to 2025 7 Yrs 5.90%
      2023 to 2025 6 Yrs 5.60%
      2023 to 2025 5 Yrs 5.50%
      2018 to 2022 4 Yrs 5.40%
      2014 to 2017 3 Yrs 5.05%
      2009 to 2013 2 Yrs 4.95%

    • Risk Grade B +

      Model Year Number of Years APR*
      2023 to 2025 7 Yrs 6.25%
      2023 to 2025 6 Yrs 5.95%
      2023 to 2025 5 Yrs 5.85%
      2018 to 2022 4 Yrs 5.75%
      2014 to 2017 3 Yrs 5.40%
      2009 to 2013 2 Yrs 5.30%

    • Risk Grade C +

      Model Year Number of Years APR*
      2023 to 2025 7 Yrs 9.35%
      2023 to 2025 6 Yrs 9.05%
      2023 to 2025 5 Yrs 8.95%
      2018 to 2022 4 Yrs 8.85%
      2014 to 2017 3 Yrs 8.50%
      2009 to 2013 2 Yrs 8.40%

    • Risk Grade D +

      Model Year Number of Years APR*
      2023 to 2025 7 Yrs 11.30%
      2023 to 2025 6 Yrs 11.00%
      2023 to 2025 5 Yrs 10.90%
      2018 to 2022 4 Yrs 10.80%
      2014 to 2017 3 Yrs 10.45%
      2009 to 2013 2 Yrs 10.35%

  • Deposit Rates +

    • Rates +

      Effective as of: 12/28/2023

      Account APY**
      Sun Fund Money Market Balance $5,000 to less than $10,000 1.80%
      Sun Fund Money Market Balance $10,000 or more 2.50%
      Sun Fund Money Market Balance $50,000 or more 3.51%
      Share Account 0.10%
      Youth Account 0.10%
      Christmas Club Account 0.10%
      Vacation Club Account 0.10%
      Variable Rate IRA 2.50%
      Share Draft Account 0.05%

    • Share Certificate Accounts +

      Effective as of: 09/05/2024

      Account APY**
      6-month Certificate $10,000 or more 2.35%
      6-month Certificate less than $10,000 2.30%
      12-month Certificate $10,000 or more 3.00%
      12-month Certificate less than $10,000 2.80%
      30-month Certificate $10,000 or more 3.40%
      30-month Certificate less than $10,000 2.95%

  • Fees +

    Effective as of: 03/07/2022

    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
    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 - Non-Member $5.00
    Temporary Check 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 -- Deposited Check (and other items) $20.00
    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 $50.00
    Loan Modification Fee $20.00
    Lien Satisfied $20.00
    Subordination Fee $50.00
    Verification of Deposit -- waived for Seniors $25.00
    Account Activity Printout $5.00
    Returned Mail $2.00
    Account Research $20.00 per hour
    Statement Reprint $5.00
    Duplicate Tax Form (1098, 1099) $5.00
    Notary Services -- Non-Member (per signature) $15.00
    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.