Credit union · NCUA insured
SUN Credit Union Savings Rates
Top CarrotSUN Credit Union’s best savings rate is 0.51% APY on $10,000, with its Capital Savings. Rates checked October 15, 2026.
How SUN Credit Union’s savings rates compare
Compared with banks and credit unions near Miami, FL, where SUN Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
SUN Credit Union
2.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $200
Shore Savings
Top rate
JM Associates FCU
5.12%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $512
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
SUN Credit Union savings score
83
Savings score
Higher than 61% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.51%
- $100,000 balance$100,0000.56%
- QualifiedQualified2.00%
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 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.
Shore Savings
Up to 2.00%APY
Requires linking to a free Sail Checking or Surf Checking account; limit of 1 account per member. No recurring monthly maintenance fees or opening minimum deposit.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Qualifying rate tier when linked Sail or Surf Checking account qualifications are met during the Monthly Qualification Cycle (including monthly direct deposit/ACH credit, online banking enrollment, and eStatements). | 2.00% | $200 | Qualifying rate tier when linked Sail or Surf Checking account qualifications are met during the Monthly Qualification Cycle (including monthly direct deposit/ACH credit, online banking enrollment, and eStatements). |
| Any balanceBase non-qualified rate applied to the entire average daily balance when linked account qualifications are not met. | 0.05% | $5 | Base non-qualified rate applied to the entire average daily balance when linked account qualifications are not met. |
| Over $100,000Qualifying rate tier on the portion of average daily balance over $100,000 when linked account qualifications are met (resulting in a blended APY range of 2.00% to 1.25%). | 0.50% | — | Qualifying rate tier on the portion of average daily balance over $100,000 when linked account qualifications are met (resulting in a blended APY range of 2.00% to 1.25%). |
Sources (3)
All captured Oct 5, 2026
Capital Savings
0.51%APY
No penalty for early withdrawal. Dividends paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $10,000 | 0.46% | — |
| $10,000 – $50,000 | 0.51% | $51 |
| $50,000 and up | 0.56% | — |
Personal Savings (Share Account)
0.15%APY
Start with $10.00 ($5.00 minimum balance required plus $5.00 membership fee). $10.00 monthly inactivity fee applies unless used at least once a year or maintaining a $1,000.00 balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends paid quarterly on balances over $100.00.$100 and up | 0.15% | $15 | Dividends paid quarterly on balances over $100.00. |
Special-purpose accounts
Individual Retirement Accounts (IRAs)
0.46%APY
Tax-advantaged savings options include Traditional IRA, Roth IRA, and Educational IRA (Coverdell ESA).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid quarterly.Any balance | 0.46% | $46 | Dividends paid quarterly. |
Sources (2)
All captured Oct 5, 2026
Christmas Club
0.15%APY
Funds released each October for holiday expenses; early withdrawal fees may apply. Dividends paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance requirement to earn dividends.Any balance | 0.15% | $15 | No minimum balance requirement to earn dividends. |
Newbee
0.15%APY
Designed for children from birth through age 3; automatically converts to Pelican Pennie account at age 4. No monthly fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upQuarterly dividends earned on balances over $100.00.$100 and up | 0.15% | $15 | Quarterly dividends earned on balances over $100.00. |
Sources (3)
All captured Oct 5, 2026
Pelican Pennie
0.15%APY
Designed for ages 4 through 12; automatically converts to Smart Start account at age 13. No monthly fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upQuarterly dividends earned on balances over $100.00.$100 and up | 0.15% | $15 | Quarterly dividends earned on balances over $100.00. |
Sources (3)
All captured Oct 5, 2026
Smart Start
0.15%APY
Designed for ages 13 through 17; automatically converts to Personal (adult) account at age 18. No monthly fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upQuarterly dividends earned on balances over $100.00.$100 and up | 0.15% | $15 | Quarterly dividends earned on balances over $100.00. |
Sources (3)
All captured Oct 5, 2026
Who can join SUN Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Businesses in the Chambers of Commerce of Hollywood, Dania Beach, Davie-Cooper City, and Miami Shores (including their employees, members, and students) are eligible for membership.
- Real estate professionals in Broward and Miami-Dade Counties are eligible for membership.
Military, government and schools
- Employees of the City of Hollywood & Miami Shores Village are eligible for membership.
Family and household
- Immediate family members of SUN Credit Union members are eligible for membership.
Other ways
- A donation of $10.00 to the Police Athletic League (P.A.L.) qualifies an individual for membership.
Cost to join
- A $5.00 initial deposit to your account is required to join in-branch ($20.00 minimum to get started online).
- A $5.00 one-time membership fee is required when joining.
Membership information collected October 5, 2026.