Sun Community Federal Credit Union Savings & Money Market Rates

How Sun Community Federal Credit Union’s savings 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
0.90%APY
Requires
Another account
Minimum
$500
Earns on $10,000 a year
$90
Opportunity Money Market with Active Checking
Top rate
Sunflower Bank
3.02%APY
Requires
None
Minimum
—
Earns on $10,000 a year
$302
Sunflower Bank rates
2nd-highest rate
Corazo Credit Union
2.75%APY
Requires
None
Minimum
$50
Earns on $10,000 a year
$275
Corazo Credit Union rates

Compare savings rates near you →

Savings score

Higher than 59% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.05%
$10,000 balance$10,0000.80%
$100,000 balance$100,0001.10%
QualifiedQualified0.90%

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.

How the score works →

Where Sun Community Federal Credit Union ranks

By savings score, in each area where it has branches

Every rate

Current savings rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Opportunity Money Market with Active Checking

0.90%APYRequirements apply$500 to open

Requires active checking account (at least 10 POS, ATM, or debit/credit transactions must clear the account each month; ACH or checks do not qualify). Monthly service fee of $10 can be waived with a minimum balance of $2,500.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,500Requires active checking (10 POS, ATM, or debit transactions clearing each month). Monthly fee of $10 waived with minimum balance of $2,500.	0.60%	—	Requires active checking (10 POS, ATM, or debit transactions clearing each month). Monthly fee of $10 waived with minimum balance of $2,500.
$2,500 – $25,000Requires active checking (10 POS, ATM, or debit transactions clearing each month). Monthly fee of $10 waived with minimum balance of $2,500.	0.90%	$90	Requires active checking (10 POS, ATM, or debit transactions clearing each month). Monthly fee of $10 waived with minimum balance of $2,500.
$25,000 – $50,000Requires active checking (10 POS, ATM, or debit transactions clearing each month). Monthly fee of $10 waived with minimum balance of $2,500.	1.10%	—	Requires active checking (10 POS, ATM, or debit transactions clearing each month). Monthly fee of $10 waived with minimum balance of $2,500.
$50,000 – $100,000Requires active checking (10 POS, ATM, or debit transactions clearing each month). Monthly fee of $10 waived with minimum balance of $2,500.	1.25%	—	Requires active checking (10 POS, ATM, or debit transactions clearing each month). Monthly fee of $10 waived with minimum balance of $2,500.
$100,000 and upRequires active checking (10 POS, ATM, or debit transactions clearing each month). Monthly fee of $10 waived with minimum balance of $2,500.	1.35%	—	Requires active checking (10 POS, ATM, or debit transactions clearing each month). Monthly fee of $10 waived with minimum balance of $2,500.
$1,000,000 and upRequires active checking (10 POS, ATM, or debit transactions clearing each month). Monthly fee of $10 waived with minimum balance of $2,500.	3.25%	—	Requires active checking (10 POS, ATM, or debit transactions clearing each month). Monthly fee of $10 waived with minimum balance of $2,500.
$5,000,000 and upRequires active checking (10 POS, ATM, or debit transactions clearing each month). Monthly fee of $10 waived with minimum balance of $2,500.	3.50%	—	Requires active checking (10 POS, ATM, or debit transactions clearing each month). Monthly fee of $10 waived with minimum balance of $2,500.

Sources (3)

All captured Oct 16, 2026

Opportunity Money Market

0.80%APY$500 to open

Tiered rate structure. Monthly service fee of $10 can be waived with a minimum balance of $2,500.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,500Monthly fee of $10 waived with minimum balance of $2,500.	0.45%	—	Monthly fee of $10 waived with minimum balance of $2,500.
$2,500 – $25,000Monthly fee of $10 waived with minimum balance of $2,500.	0.80%	$80	Monthly fee of $10 waived with minimum balance of $2,500.
$25,000 – $50,000Monthly fee of $10 waived with minimum balance of $2,500.	0.90%	—	Monthly fee of $10 waived with minimum balance of $2,500.
$50,000 – $100,000Monthly fee of $10 waived with minimum balance of $2,500.	1.00%	—	Monthly fee of $10 waived with minimum balance of $2,500.
$100,000 and upMonthly fee of $10 waived with minimum balance of $2,500.	1.10%	—	Monthly fee of $10 waived with minimum balance of $2,500.
$1,000,000 and upMonthly fee of $10 waived with minimum balance of $2,500.	3.00%	—	Monthly fee of $10 waived with minimum balance of $2,500.
$5,000,000 and upMonthly fee of $10 waived with minimum balance of $2,500.	3.25%	—	Monthly fee of $10 waived with minimum balance of $2,500.

Sources (3)

All captured Oct 16, 2026

Secure Savings

0.05%APY$5 to open

Required for all members; represents your share in credit union. The required $5 deposit is refundable. No monthly fee.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$50 and up$50 minimum balance requirement to obtain the disclosed annual percentage yield (APY). No monthly fee. Refundable $5 deposit.$50 and up	0.05%	$5	$50 minimum balance requirement to obtain the disclosed annual percentage yield (APY). No monthly fee. Refundable $5 deposit.

Sources (3)

All captured Oct 16, 2026

Special Savings

0.05%APY$5 to open

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$50 and up$50 minimum balance to earn dividends.$50 and up	0.05%	$5	$50 minimum balance to earn dividends.

Sources (1)

suncommunity.com/documents/savings-rate-schedule · captured Oct 16, 2026

Special-purpose accounts

Christmas Club

6.00%APYClub$5 to open

Stocking stuffers, presents under the tree, or a trip to the North Pole. $1,000 maximum monthly contribution. Matures every year on November 1st; funds deposited directly into checking or savings upon maturity. No monthly fee.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$5 and upMinimum daily balance of $5 required to obtain disclosed APY. No monthly fee. Maximum monthly deposit $1,000. Matures November 1st.$5 and up	6.00%	$600	Minimum daily balance of $5 required to obtain disclosed APY. No monthly fee. Maximum monthly deposit $1,000. Matures November 1st.

Sources (3)

All captured Oct 16, 2026

Hello Summer Savings

6.00%APYClub$5 to open

Save for your dream vacation or send the kids to camp. $1,000 maximum monthly contribution. Matures every year on July 1st; funds deposited directly into checking or savings upon maturity. No monthly fee.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$50 and upMinimum daily balance of $50 required to obtain disclosed APY. No monthly fee. Maximum monthly deposit $1,000. Matures July 1st.$50 and up	6.00%	$600	Minimum daily balance of $50 required to obtain disclosed APY. No monthly fee. Maximum monthly deposit $1,000. Matures July 1st.

Sources (3)

All captured Oct 16, 2026

Elements Account

1.00%APYKids and teens$5 to open

Eligibility: 13-17 years old. Minimum $5 deposit at opening. Parent or legal guardian must sign as joint owner. Converts to Smart checking at age 18.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$5 and upA minimum balance of $5 is required to earn dividends / obtain disclosed APY. Eligibility: 13-17 years old.$5 and up	1.00%	$100	A minimum balance of $5 is required to earn dividends / obtain disclosed APY. Eligibility: 13-17 years old.

Sources (3)

All captured Oct 16, 2026

M3 Money Club Savings

1.00%APYKids and teens$5 to open

Eligibility: 0-12 years old. Minimum $5 deposit at opening. Parent or legal guardian must sign as joint owner.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$5 and upA minimum balance of $5 is required to earn dividends / obtain disclosed APY. Eligibility: 0-12 years old.$5 and up	1.00%	$100	A minimum balance of $5 is required to earn dividends / obtain disclosed APY. Eligibility: 0-12 years old.

Sources (3)

All captured Oct 16, 2026

IRA Account

0.50%APYIRA$50 to open

Individual Retirement Accounts: Traditional, Roth, Coverdell (Education).

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Any balance	0.50%	$50

Sources (1)

suncommunity.com/documents/savings-rate-schedule · 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.

Check membership requirements ↗Branches and institution details

← Sun Community Federal Credit Union overview

How Sun Community Federal Credit Union’s savings rates compare

Sun Community Federal Credit Union savings score

Current savings rates

Opportunity Money Market with Active Checking

Opportunity Money Market

Secure Savings

Special Savings

Special-purpose accounts

Christmas Club

Hello Summer Savings

Elements Account

M3 Money Club Savings

IRA Account

Who can join Sun Community Federal Credit Union

Where you live or work