--- title: "Suma Credit Union Rates - New York" description: "Current mortgage, auto loan, personal loan, credit card, and savings & cd rates from Suma Credit Union in New York. Updated daily with source verification. See who can join Suma Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-york/suma" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Suma Credit Union Rates - New York ### Mortgage rates 12 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | — APR | 6.500% | — | Standard | | **15-Year Fixed** 15 year fixed | — APR | 5.875% | — | Standard | | **15-Year Fixed** 15 year fixed | — APR | 7.125% | — | Standard | | **10-Year Fixed** 10 year fixed | — APR | 5.750% | — | Standard | | **5/1 ARM** 5 1 arm | — APR | 5.750% | — | Standard | | **7/1 ARM** 7 1 arm | — APR | 6.000% | — | Standard | | **20-Year Fixed** 20 year fixed | — APR | 6.250% | — | Standard | | **10 Year Balloon / 7/1 ARM / 30 Amortization** 7 1 arm | — APR | 7.250% | — | Standard | | **Pledge of shares (5 Year Balloon/ 10 Year Payout Schedule)** other | — APR | 5.000% | — | Standard | | **25 Year Fixed Mortgage** other | — APR | 6.375% | — | Standard | | **12 Year Fixed** other | — APR | 6.875% | — | Standard | | **10 Year Balloon/30 Year Payout** other | — APR | 6.875% | — | Standard | Suma Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Specialty Vehicle Loans (Up to 5 Years)** auto_any_60mo | — APR | 9.000% | 60 mo | Standard | Suma Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Pledge of shares (Interest Only Loan-Single Payment (Max 1 Year))** personal_unsecured_12mo | — APR | 4.750% | 12 mo | Standard | | **Up to 36-Month Unsecured Personal Loan** personal_unsecured_36mo | — APR | 11.250% | 36 mo | Standard | | **Personal Loans (37 to 60 Months)** personal_unsecured_60mo | — APR | 11.750% | 60 mo | Standard | Suma Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Visa Classic** credit_card | — APR | 9.000% | — | Standard | | **Visa Business Platinum** credit_card_business | — APR | 10.950% | — | Standard | Suma Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 24 offers | Product | Published | Rate | Term / condition | Status | | **Escrow share** savings | — APY | 0.01% | — | Standard | | **Share Drafts (Checking)** checking | — APY | 0.05% | — | Standard | | **Regular Shares** savings | — APY | 0.25% | — | Standard | | **Money Market (Up to $99,999)** money_market | — APY | 1.75% | — | Standard | | **Money Market ($100,000–$249,999)** money_market | — APY | 2.25% | — | Standard | | **IRA** ira | — APY | 2.50% | — | Standard | | **Money Market - $250,000 & Up** money_market | — APY | 2.65% | — | Standard | | **3-Month Certificate** share_certificate_3mo | — APY | 3.30% | 3 mo | Standard | | **6-Month Certificate** share_certificate_6mo | — APY | 3.92% | 6 mo | Standard | | **24-Month Certificate** share_certificate_24mo | — APY | 4.02% | 24 mo | Standard | | **36-Month Certificate** share_certificate_36mo | — APY | 4.06% | 36 mo | Standard | | **48-Month Certificate** share_certificate_48mo | — APY | 4.11% | 48 mo | Standard | | **60-Month Certificate** share_certificate_60mo | — APY | 4.16% | 60 mo | Standard | | **12-Month Certificate** share_certificate_12mo | — APY | 4.18% | 12 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 4.75% | 60 mo | Standard | | **72-Month Certificate** cd_72mo | — APY | 4.99% | 72 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 5.00% | 24 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 5.25% | 36 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 5.50% | 48 mo | Standard | | **Pledge of shares (Up to 12 Months)** other | — APY | 2.75% | — | Standard | | **Pledge of shares (13 to 24 Months)** other | — APY | 3.00% | — | Standard | | **Pledge of shares (25 to 36 Months)** other | — APY | 3.25% | — | Standard | | **Pledge of shares (37 to 48 Months)** other | — APY | 3.50% | — | Standard | | **Pledge of shares (49 to 60 Months)** other | — APY | 3.75% | — | Standard | Suma Credit Union savings & cd rates as of November 12, 2026 Suma Credit Union is a credit union in New York. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-york/suma) , verified from [Suma Credit Union's official website](https://www.sumafcu.org/) Loading branch locator… ## About Suma Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 9.6K Assets $460.9M Founded 1964 Locations reported 8 NCUA charter 16360 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 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. [**People's Alliance** Yonkers · Yonkers · NY · 10710-5599 About 1.0 miles away](https://rateapi.dev/credit-unions/new-york/peoples-alliance) [**Municipal** MCU - Yonkers · Yonkers · NY · 10701 About 1.4 miles away](https://rateapi.dev/credit-unions/new-york/municipal) [**Yonkers Teachers** Yonkers Teachers FCU · Yonkers · NY · 10701 About 1.7 miles away](https://rateapi.dev/credit-unions/new-york/yonkers-teachers) [**Educational and Governmental** Branch · Mount Vernon · NY · 10550-3069 About 3.3 miles away](https://rateapi.dev/credit-unions/new-york/educational-and-governmental) [**Harrison Teachers** mary nardone · Eastchester · NY · 10709-1415 About 3.9 miles away](https://rateapi.dev/credit-unions/new-york/harrison-teachers) [**Van Cortlandt Cooperative** VCCFCU · Bronx · NY · 10463 About 4.5 miles away](https://rateapi.dev/credit-unions/new-york/van-cortlandt-cooperative) 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 Suma Credit Union Membership eligibility from Suma Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership via the Ukrainian-American Youth Association (CYM) - Yonkers Branch, Inc. +8 more - Location NY, CT, FL - Association Ukrainian-American Youth Association (CYM) - Yonkers Branch, Inc., St. Michael the Archangel Ukrainian Catholic Church, Saints Peter & Paul Ukrainian Catholic Church, St. Vladimir Ukrainian Catholic Cathedral, St. Andrew’s Ukrainian Religious and Cultural Center (Oseredok), Epiphany of our Lord Ukrainian Catholic Church, St. Mary's Ukrainian Catholic Church, Ukrainian Baptist Church, Ukrainian Bible Church Verified from [Suma Credit Union's membership page](https://www.sumafcu.org/about/become-a-member) . Final membership determination is always made by the credit union. ## Membership rules for Suma Credit Union Associations · Places of worship 8 9 published paths to membership, last verified August 21, 2026, quoted from Suma Credit Union’s own published criteria. ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Ukrainian-American Youth Association (CYM) - Yonkers Branch, Inc. “It's exclusive to the members of our sponsor organizations - the Ukrainian-American Youth Association (CYM) - Yonkers Branch, Inc.” > [source ↗](https://www.sumafcu.org/about/become-a-member) - Member of Ukrainian-American Youth Association (CYM) - Yonkers Branch, Inc. ### Places of worship 8 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of St. Michael the Archangel Ukrainian Catholic Church (as written on the source page) “as well as to the parishioners of St. Michael the Archangel Ukrainian Catholic Church in Yonkers, NY” > [source ↗](https://www.sumafcu.org/about/become-a-member) - Member of St. Michael the Archangel Ukrainian Catholic Church - Member of Saints Peter & Paul Ukrainian Catholic Church (as written on the source page) “of Saints Peter & Paul Ukrainian Catholic Church in Spring Valley, NY” > [source ↗](https://www.sumafcu.org/about/become-a-member) - Member of Saints Peter & Paul Ukrainian Catholic Church - Member of St. Vladimir Ukrainian Catholic Cathedral (as written on the source page) “of St. Vladimir Ukrainian Catholic Cathedral in Stamford, CT” > [source ↗](https://www.sumafcu.org/about/become-a-member) - Member of St. Vladimir Ukrainian Catholic Cathedral - Member of St. Andrew’s Ukrainian Religious and Cultural Center (Oseredok) (as written on the source page) “St. Andrew’s Ukrainian Religious and Cultural Center (Oseredok) in North Port, FL” > [source ↗](https://www.sumafcu.org/about/become-a-member) - Member of St. Andrew’s Ukrainian Religious and Cultural Center (Oseredok) - Member of Epiphany of our Lord Ukrainian Catholic Church (as written on the source page) “Epiphany of our Lord Ukrainian Catholic Church in St. Petersburg, FL” > [source ↗](https://www.sumafcu.org/about/become-a-member) - Member of Epiphany of our Lord Ukrainian Catholic Church - Member of St. Mary's Ukrainian Catholic Church (as written on the source page) “St. Mary's Ukrainian Catholic Church” > [source ↗](https://www.sumafcu.org/about/become-a-member) - Member of St. Mary's Ukrainian Catholic Church - Member of Ukrainian Baptist Church (as written on the source page) “Ukrainian Baptist Church” > [source ↗](https://www.sumafcu.org/about/become-a-member) - Member of Ukrainian Baptist Church - Member of Ukrainian Bible Church (as written on the source page) “Ukrainian Bible Church in North Port, FL” > [source ↗](https://www.sumafcu.org/about/become-a-member) - Member of Ukrainian Bible Church 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 Suma Credit Union? Yes No ## Work at Suma 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 Suma Credit Union ranks against New York peers. - See which AI assistants fetched Suma Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in New York - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=suma&state=new-york&code=NY&name=Suma%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Suma Credit Union offer? Suma Credit Union currently offers mortgage, Auto loan, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Suma Credit Union rates updated? RateAPI verifies Suma Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Suma Credit Union's rate data? Rate data is collected directly from Suma Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Suma Credit Union? Membership via the Ukrainian-American Youth Association (CYM) - Yonkers Branch, Inc. +8 more RateAPI tracks 9 published membership paths covering 1 association and 8 places of worship for Suma Credit Union, each quoted from Suma Credit Union's own published membership criteria. ## Related Rate Data Compare Suma Credit Union's rates against national credit-union benchmarks. [More New York credit unions](https://rateapi.dev/credit-unions/new-york) [New York mortgage rate leaders](https://rateapi.dev/mortgage-rates/new-york) [New York auto loan rate leaders](https://rateapi.dev/auto-loan-rates/new-york) [New York personal loan leaders](https://rateapi.dev/personal-loan-rates/new-york) [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.sumafcu.org/) ### 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 Suma Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when New York 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 Suma Credit Union curl "https://api.rateapi.dev/credit-unions/new-york /suma " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Suma 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/new-york/suma Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp