--- title: "Sun Community Credit Union Rates (Nov 2026): CDs to 3.85%" description: "Sun Community Credit Union rates today: savings & CDs up to 3.85% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Sun Community Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/california/sun-community" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Sun Community Credit Union Rates (Nov 2026): CDs to 3.85% ### Mortgage rates 10 offers | Product | Published | Rate | Term / condition | Status | | **5/5 Adjustable-Rate Mortgage Term (Months) 30 APR* 6.00% - 6.189% Notes See Note 1** 5 5 arm | — APR | 6.000% | — | Standard | | **5/5 Adjustable-Rate Mortgage Term (Months) 30 APR* 6.125% - 6.316% Notes See Note 1** 5 5 arm | — APR | 6.125% | — | Standard | | **Conventional Mortgage Term (Months) 30 APR* 7.407% - Notes See Note 1** other | — APR | 7.407% | — | Standard | | **VA Term (Months) 30 APR* 7.523% - Notes See Note 2** other | — APR | 7.523% | — | Standard | | **Conventional Mortgage Term (Months) 30 APR* 7.536% - Notes See Note 1** other | — APR | 7.536% | — | Standard | | **VA Term (Months) 30 APR* 7.617% - Notes See Note 2** other | — APR | 7.617% | — | Standard | | **USDA Term (Months) 30 APR* 7.918% - Notes See Note 4** other | — APR | 7.918% | — | Standard | | **USDA Term (Months) 30 APR* 8.081% - Notes See Note 4** other | — APR | 8.081% | — | Standard | | **FHA Term (Months) 30 APR* 8.143% - Notes See Note 3** other | — APR | 8.143% | — | Standard | | **FHA Term (Months) 30 APR* 8.369% - Notes See Note 3** other | — APR | 8.369% | — | Standard | Sun Community Credit Union mortgage rates as of November 13, 2026 ### Auto & vehicle rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Auto Loan** auto | — APR | 4.740% | — | Standard | | **Street Motorcycles, ATVs, Side-by-Side, Scooters** motorcycle | — APR | 6.740% | — | Standard | | **5th Wheels, Motor Homes, Travel Trailers, Horse Trailer, Van Conversions and Jet Skis** rv | — APR | 6.740% | — | Standard | Sun Community Credit Union auto & vehicle rates as of November 13, 2026 ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **HELOC (Variable)** heloc_variable | — APR | 6.750% | — | Standard | | **Home Equity Loan (Fixed)** heloc_fixed | — APR | 8.000% | — | Standard | Sun Community Credit Union heloc rates as of November 13, 2026 ### Personal loan rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Signature Loan Term (Months) 6 - 72 APR* 10.99% - 17.99% Notes** personal_unsecured | — APR | 10.990% | — | Standard | | **Personal Line of Credit Term (Months) N/A APR* 11.99% - 17.25% Notes** ploc_variable | — APR | 11.990% | — | Standard | | **Credit Builder Loan Term (Months) 6 - 48 APR* 12% - Notes** personal | — APR | 12.000% | — | Standard | Sun Community Credit Union personal loan rates as of November 13, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | — APR | 11.240% | — | Standard | Sun Community Credit Union credit card rates as of November 13, 2026 ### Savings & CD rates 51 offers | Product | Published | Rate | Term / condition | Status | | **Secure Savings** savings | — APY | 0.05% | — | Context only | | **Money Market** money_market | — APY | 0.45% | — | Standard | | **Money Market $0 - $2,499.99 Term (Months) APR* 0.45% - Notes** money_market | — APY | 0.45% | — | Context only | | **Money Market $0 - $2,499.99 w/ active checking Term (Months) APR* 0.60% - Notes** money_market | — APY | 0.60% | — | Context only | | **Money Market $2,500 - $24,999.99 Term (Months) APR* 0.80% - Notes** money_market | — APY | 0.80% | — | Context only | | **Money Market $2,500 - $24,999.99 w/ active checking Term (Months) APR* 0.90% - Notes** money_market | — APY | 0.90% | — | Context only | | **Money Market $25,000 - $49,999.99 Term (Months) APR* 0.90% - Notes** money_market | — APY | 0.90% | — | Context only | | **Money Market $50,000 - $99,999.99 Term (Months) APR* 1.00% - Notes** money_market | — APY | 1.00% | — | Context only | | **Money Market $25,000 - $49,999.99 w/ active checking Term (Months) APR* 1.10% - Notes** money_market | — APY | 1.09% | — | Context only | | **Money Market $100,000 and up Term (Months) APR* 1.10% - Notes** money_market | — APY | 1.09% | — | Context only | | **Money Market $50,000 - $99,999.99 w/ active checking Term (Months) APR* 1.25% - Notes** money_market | — APY | 1.24% | — | Context only | | **Money Market $100,000 and up w/ active checking Term (Months) APR* 1.35% - Notes** money_market | — APY | 1.34% | — | Context only | | **3 Month CD Term (Months) APR* 2.50% - Notes** cd_3mo | — APY | 2.47% | 3 mo | Standard | | **3-Month Certificate** cd_3mo | 2.50% APY | 2.47% | 3 mo | Standard | | **Certificate** share_certificate | — APY | 2.50% | — | Standard | | **Jumbo 3 Month CD Term (Months) APR* 2.60% - Notes** cd_3mo | — APY | 2.57% | 3 mo | Standard | | **Jumbo 3 Month CD** cd_3mo | 2.60% APY | 2.57% | 3 mo | Standard | | **24 Month Business Certificate Account** cd_24mo | 2.60% APY | 2.57% | 24 mo | Eligibility restricted | | **6 Month CD Term (Months) APR* 3.25% - Notes** cd_6mo | — APY | 3.20% | 6 mo | Standard | | **6-Month Certificate** cd_6mo | 3.25% APY | 3.25% | 6 mo | Standard | | **Jumbo 6 Month CD Term (Months) APR* 3.35% - Notes** cd_6mo | — APY | 3.30% | 6 mo | Standard | | **Jumbo 6 Month CD** cd_6mo | 3.35% APY | 3.35% | 6 mo | Standard | | **12 Month Business Certificate Account Term (Months) APR* 3.50% - Notes** cd_12mo | — APY | 3.45% | 12 mo | Eligibility restricted | | **6 Month Business Certificate Account Term (Months) APR* 3.50% - Notes** cd_6mo | — APY | 3.45% | 6 mo | Eligibility restricted | | **12 Month Business Certificate Account** cd_12mo | 3.50% APY | 3.45% | 12 mo | Eligibility restricted | | **6 Month Business Certificate Account** cd_6mo | 3.50% APY | 3.50% | 6 mo | Eligibility restricted | | **12-Month Certificate** cd_12mo | 3.50% APY | 3.50% | 12 mo | Standard | | **Jumbo 12 Month CD Term (Months) APR* 3.60% - Notes** cd_12mo | — APY | 3.54% | 12 mo | Standard | | **Jumbo 12 Month CD** cd_12mo | 3.60% APY | 3.60% | 12 mo | Standard | | **36 Month CD Term (Months) APR* 3.75% - Notes** cd_36mo | — APY | 3.69% | 36 mo | Standard | | **18 Month Business Certificate Account Term (Months) APR* 3.75% - Notes** cd_18mo | — APY | 3.69% | 18 mo | Eligibility restricted | | **24 Month Business Certificate Account Term (Months) APR* 3.75% - Notes** cd_24mo | — APY | 3.69% | 24 mo | Eligibility restricted | | **48 Month CD Term (Months) APR* 3.75% - Notes** cd_48mo | — APY | 3.69% | 48 mo | Standard | | **60 Month CD Term (Months) APR* 3.75% - Notes** cd_60mo | — APY | 3.69% | 60 mo | Standard | | **24-Month Certificate** cd_24mo | 3.75% APY | 3.75% | 24 mo | Standard | | **60-Month Certificate** cd_60mo | 3.75% APY | 3.75% | 60 mo | Standard | | **48-Month Certificate** cd_48mo | 3.75% APY | 3.75% | 48 mo | Standard | | **36-Month Certificate** cd_36mo | 3.75% APY | 3.75% | 36 mo | Standard | | **18 Month Business Certificate Account** cd_18mo | 3.75% APY | 3.75% | 18 mo | Eligibility restricted | | **Jumbo 36 Month CD Term (Months) APR* 3.85% - Notes** cd_36mo | — APY | 3.78% | 36 mo | Standard | | **Jumbo 48 Month CD Term (Months) APR* 3.85% - Notes** cd_48mo | — APY | 3.78% | 48 mo | Standard | | **Jumbo 60 Month CD Term (Months) APR* 3.85% - Notes** cd_60mo | — APY | 3.78% | 60 mo | Standard | | **Jumbo 24 Month CD Term (Months) APR* 3.85% - Notes** cd_24mo | — APY | 3.78% | 24 mo | Standard | | **Jumbo 18 Month CD Term (Months) APR* 3.85% - Notes** cd_18mo | — APY | 3.78% | 18 mo | Standard | | **Jumbo 18 Month CD** cd_18mo | 3.85% APY | 3.85% | 18 mo | Standard | | **Jumbo 48 Month CD** cd_48mo | 3.85% APY | 3.85% | 48 mo | Standard | | **Jumbo 24 Month CD** cd_24mo | 3.85% APY | 3.85% | 24 mo | Standard | | **Jumbo 36 Month CD** cd_36mo | 3.85% APY | 3.78% | 36 mo | Standard | | **Jumbo 60 Month CD** cd_60mo | 3.85% APY | 3.85% | 60 mo | Standard | | **Hello Summer Savings Term (Months) APR* 6.00% - Notes** savings | — APY | 5.84% | — | Specialty offer | | **Club Account** savings | — APY | 6.00% | — | Specialty offer | Sun Community Credit Union savings & cd rates as of November 13, 2026 ### Other rates 2 offers | Product | Published | Rate | Term / condition | Status | | **APR* as low as** other | — % | 0.450% | — | Context only | | **FEATURED RATES** other | — % | 4.740% | — | Standard | Sun Community Credit Union other rates as of November 13, 2026 Savings and certificate yields up to 3.85% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/california/sun-community) , verified from [Sun Community Credit Union's official website](https://www.suncommunity.com/) Loading branch locator… ## About Sun Community Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 55.1K Assets $896.5M Founded 1954 Locations reported 8 NCUA charter 9296 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Student scholarships - Credit-builder products - Payday Alternative Loans II Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Corazo** Main Office · El Centro · CA · 92243-2232 About 2.2 miles away](https://rateapi.dev/credit-unions/california/corazo) [**Avenir Financial** Somerton Office · Somerton · AZ · 85350-6300 About 52.8 miles away](https://rateapi.dev/credit-unions/arizona/avenir-financial) [**Oneaz** San Luis · San Luis · AZ · 85336-0961 About 52.9 miles away](https://rateapi.dev/credit-unions/arizona/oneaz) [**Pima** Yuma · Yuma · AZ · 85364-8007 About 57.0 miles away](https://rateapi.dev/credit-unions/arizona/pima) [**Navy Federal Credit Union** Yuma AZ · Yuma · AZ · 85364 About 57.3 miles away](https://rateapi.dev/credit-unions/virginia/navy-federal-credit-union) [**Altaone** Lone Pine · Lone Pine · CA · 93545 About 64.1 miles away](https://rateapi.dev/credit-unions/california/altaone) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Sun Community Credit Union Membership eligibility from Sun Community Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Community charter: live/work in Imperial, CA - Location Imperial — CA Verified from [Sun Community Credit Union's membership page](https://www.suncommunity.com/our-story) . Final membership determination is always made by the credit union. ## Membership rules for Sun Community Credit Union Geography 2 counties 2 published paths to membership, last verified August 5, 2026, from NCUA regulator charter records. ### Geography 2 Auto-verified against the source page from NCUA regulator charter records · last verified August 5, 2026 - Imperial County, CA - Riverside County, CA “NCUA call report 2026-03-31: TOM_CODE=66 (community charter); branch footprint: Imperial County, CA; Riverside County, CA” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Sun Community Credit Union? Yes No ## Work at Sun Community Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Sun Community Credit Union ranks against California peers. - See which AI assistants fetched Sun Community Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in California - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=sun-community&state=california&code=CA&name=Sun%20Community%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Sun Community Credit Union offer? Sun Community Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Sun Community Credit Union rates updated? RateAPI verifies Sun Community Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Sun Community Credit Union's rate data? Rate data is collected directly from Sun Community Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Sun Community Credit Union's best CD rate? As of November 13, 2026, Sun Community Credit Union offers savings and certificate (CD) yields up to 3.85% APY. ### Who can join Sun Community Credit Union? Community charter: live/work in Imperial, CA RateAPI tracks 2 published membership paths covering 2 counties for Sun Community Credit Union, each quoted from NCUA charter records. ## Related Rate Data Compare Sun Community Credit Union's rates against national credit-union benchmarks. [More California credit unions](https://rateapi.dev/credit-unions/california) [California mortgage rate leaders](https://rateapi.dev/mortgage-rates/california) [California auto loan rate leaders](https://rateapi.dev/auto-loan-rates/california) [California HELOC rate leaders](https://rateapi.dev/heloc-rates/california) [California personal loan leaders](https://rateapi.dev/personal-loan-rates/california) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.suncommunity.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Sun Community Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when California credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Sun Community Credit Union curl "https://api.rateapi.dev/credit-unions/california /sun-community " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Sun Community Credit Union locations Search, filter, and browse all 8 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/california/sun-community Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp