Credit union · NCUA insured
Sun Community Federal Credit Union CD Rates
Sun Community Federal Credit Union’s best CD rate is 3.85% APY on an 18-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Sun Community Federal Credit Union’s CD rates compare
Compared with banks and credit unions near El Centro, CA, where Sun Community Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Sun Community Federal Credit Union
3.75%APY
- Term
- 18 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $568
Share Certificates
Top rate
Corazo Credit Union
4.50%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,462
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Sun Community Federal Credit Union CD score
82
CD score
Higher than 59% of U.S. banks and credit unions
- 3–8 months3–8 mo3.25%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo3.75%
- QualifiedQualified3.75%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Sun Community Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Jumbo Certificates
Up to 3.85%APY · 8 terms
Fixed rate. Interest is compounded and credited monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly withdrawal penalty: loss of 90 days of dividends on principal amount withdrawn for terms less than one year | 2.60% | — |
| 6 monthsEarly withdrawal penalty: loss of 90 days of dividends on principal amount withdrawn for terms less than one year | 3.35% | — |
| 12 monthsEarly withdrawal penalty: loss of 180 days of dividends on principal amount withdrawn for terms one year or more | 3.60% | — |
| 18 monthsEarly withdrawal penalty: loss of 180 days of dividends on principal amount withdrawn for terms one year or more | 3.85% | — |
| 24 monthsEarly withdrawal penalty: loss of 180 days of dividends on principal amount withdrawn for terms one year or more | 3.85% | — |
| 36 monthsEarly withdrawal penalty: loss of 180 days of dividends on principal amount withdrawn for terms one year or more | 3.85% | — |
| 48 monthsEarly withdrawal penalty: loss of 180 days of dividends on principal amount withdrawn for terms one year or more | 3.85% | — |
| 60 monthsEarly withdrawal penalty: loss of 180 days of dividends on principal amount withdrawn for terms one year or more | 3.85% | — |
Sources (3)
- suncommunity.com/documents/savings-rate-schedule
- suncommunity.com/deposit-rates
- suncommunity.com/products/certificates
All captured Oct 16, 2026
Share Certificates
Up to 3.75%APY · 8 terms
Fixed rate. Interest is compounded and credited monthly.
| Term | APY · $500 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsEarly withdrawal penalty: loss of 90 days of dividends on principal amount withdrawn for terms less than one year | — | 2.50% | 2.50% | $62 |
| 6 monthsEarly withdrawal penalty: loss of 90 days of dividends on principal amount withdrawn for terms less than one year | 3.25% | — | 3.25% | $161 |
| 12 monthsEarly withdrawal penalty: loss of 180 days of dividends on principal amount withdrawn for terms one year or more | 3.50% | — | 3.50% | $350 |
| 18 monthsEarly withdrawal penalty: loss of 180 days of dividends on principal amount withdrawn for terms one year or more | 3.75% | — | 3.75% | $568 |
| 24 monthsEarly withdrawal penalty: loss of 180 days of dividends on principal amount withdrawn for terms one year or more | 3.75% | — | 3.75% | $764 |
| 36 monthsEarly withdrawal penalty: loss of 180 days of dividends on principal amount withdrawn for terms one year or more | 3.75% | — | 3.75% | $1,168 |
| 48 monthsEarly withdrawal penalty: loss of 180 days of dividends on principal amount withdrawn for terms one year or more | 3.75% | — | 3.75% | $1,587 |
| 60 monthsEarly withdrawal penalty: loss of 180 days of dividends on principal amount withdrawn for terms one year or more | 3.75% | — | 3.75% | $2,021 |
Sources (3)
- suncommunity.com/documents/savings-rate-schedule
- suncommunity.com/deposit-rates
- suncommunity.com/products/certificates
All captured Oct 16, 2026
Special-purpose accounts
Jumbo IRA Certificates
Up to 3.85%APY · 8 terms
Traditional, Roth, Coverdell (Education).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.60% | — |
| 6 months | 3.35% | — |
| 12 months | 3.60% | — |
| 18 months | 3.85% | — |
| 24 months | 3.85% | — |
| 36 months | 3.85% | — |
| 48 months | 3.85% | — |
| 60 months | 3.85% | — |
Sources (2)
All captured Oct 16, 2026
IRA Certificates
Up to 3.75%APY · 8 terms
Traditional, Roth, Coverdell (Education).
| Term | APY · $500 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | — | 2.50% | 2.50% | $62 |
| 6 months | 3.25% | — | 3.25% | $161 |
| 12 months | 3.50% | — | 3.50% | $350 |
| 18 months | 3.75% | — | 3.75% | $568 |
| 24 months | 3.75% | — | 3.75% | $764 |
| 36 months | 3.75% | — | 3.75% | $1,168 |
| 48 months | 3.75% | — | 3.75% | $1,587 |
| 60 months | 3.75% | — | 3.75% | $2,021 |
Sources (2)
All captured Oct 16, 2026
Who can join Sun Community Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, or volunteer in the Imperial and Coachella Valley areas of California.
Membership information collected October 5, 2026.