Credit union · NCUA insured
Sun East Federal Credit Union CD Rates
Sun East Federal Credit Union’s best CD rate is 4.30% APY on a 13-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Sun East Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where Sun East Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Sun East Federal Credit Union
4.30%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $467
13 Month Certificate Special
Top rate
Monroe Savings Bank (Williamstown, NJ)
5.00%APY
- Term
- 6 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $247
2nd-highest rate
First Financial Federal Credit Union
5.00%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $289
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
13 Month Certificate Special
4.30%APY · 1 term
Limited-time 13-month certificate. New money required. After the initial term, renews automatically into a 12-month certificate at the then-current APY. Credit union membership required. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsNew money required: funds from another institution and not on deposit at Sun East Federal Credit Union within the prior 6 months. No stated maximum opening deposit. Limited time offer; rates/yields subject to change | 4.30% | $467 |
Sources (4)
- suneast.org
- suneast.org/service/savings-ac…markets-and-certificates
- suneast.org/certificates
- suneast.org/rates
All captured Oct 6, 2026
8 Month Certificate Special
Up to 4.10%APY · 1 term
Limited-time 8-month certificate. After the initial term, renews automatically into a 12-month certificate at the then-current APY. Credit union membership required. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 8 monthsNew money required to earn 4.10% APY: funds from another institution and not on deposit at Sun East Federal Credit Union within the prior 6 months. No stated maximum opening deposit. Limited time offer | 4.10% | $271 |
| 8 monthsStandard (non-new-money) rate. Limited time offer | 3.85% | $255 |
Jumbo Certificates
Up to 3.80%APY · 9 terms
Jumbo certificates for larger deposits. Visit a branch to open. Penalty for early withdrawal. Product page states jumbo certificates are available for Regular and IRA; this product is the regular jumbo variant.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months3 Month Jumbo | 3.60% | $89 |
| 6 months6 Month Jumbo | 3.80% | $188 |
| 12 months12 Month Jumbo | 3.80% | $380 |
| 18 months18 Month Jumbo | 3.60% | $545 |
| 24 months24 Month Jumbo | 3.50% | $712 |
| 30 months30 Month Jumbo | 3.50% | $898 |
| 36 months36 Month Jumbo | 3.50% | $1,087 |
| 48 months48 Month Jumbo | 3.50% | $1,475 |
| 60 months60 Month Jumbo | 3.50% | $1,877 |
Special-purpose accounts
Jumbo IRA Certificates
Up to 3.80%APY · 9 terms
Product page states jumbo certificates are available for IRA as well as Regular. Rate table lists Jumbo terms without a separate IRA label. Visit a branch to open.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months3 Month Jumbo applied to IRA per product-page statement that jumbo is available for IRA certificates | 3.60% | $89 |
| 6 months6 Month Jumbo applied to IRA | 3.80% | $188 |
| 12 months12 Month Jumbo applied to IRA | 3.80% | $380 |
| 18 months18 Month Jumbo applied to IRA | 3.60% | $545 |
| 24 months24 Month Jumbo applied to IRA | 3.50% | $712 |
| 30 months30 Month Jumbo applied to IRA | 3.50% | $898 |
| 36 months36 Month Jumbo applied to IRA | 3.50% | $1,087 |
| 48 months48 Month Jumbo applied to IRA | 3.50% | $1,475 |
| 60 months60 Month Jumbo applied to IRA | 3.50% | $1,877 |
IRA Certificates
Up to 3.70%APY · 9 terms
IRA certificates share the Regular / IRA rate schedule. Visit a branch to open. Penalty for early withdrawal; IRS may also impose an early withdrawal penalty. IRAs are subject to contribution limits.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsRegular / IRA schedule row for 3-month IRA certificates | 3.50% | $86 |
| 6 monthsRegular / IRA schedule row for 6-month IRA certificates | 3.70% | $183 |
| 12 monthsRegular / IRA schedule row for 12-month IRA certificates | 3.70% | $370 |
| 18 monthsRegular / IRA schedule row for 18-month IRA certificates | 3.50% | $530 |
| 24 monthsRegular / IRA schedule row for 24-month IRA certificates | 3.40% | $692 |
| 30 monthsRegular / IRA schedule row for 30-month IRA certificates | 3.40% | $872 |
| 36 monthsRegular / IRA schedule row for 36-month IRA certificates | 3.40% | $1,055 |
| 48 monthsRegular / IRA schedule row for 48-month IRA certificates | 3.40% | $1,431 |
| 60 monthsRegular / IRA schedule row for 60-month IRA certificates | 3.40% | $1,820 |
Regular Certificates
Up to 3.70%APY · 9 terms
Fixed-rate regular certificates. Terms 3 to 60 months. Open online. Penalty for early withdrawal. APY assumes dividends are reinvested.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsRegular / IRA schedule row for 3-month regular certificates | 3.50% | $86 |
| 6 monthsRegular / IRA schedule row for 6-month regular certificates | 3.70% | $183 |
| 12 monthsRegular / IRA schedule row for 12-month regular certificates | 3.70% | $370 |
| 18 monthsRegular / IRA schedule row for 18-month regular certificates | 3.50% | $530 |
| 24 monthsRegular / IRA schedule row for 24-month regular certificates | 3.40% | $692 |
| 30 monthsRegular / IRA schedule row for 30-month regular certificates | 3.40% | $872 |
| 36 monthsRegular / IRA schedule row for 36-month regular certificates | 3.40% | $1,055 |
| 48 monthsRegular / IRA schedule row for 48-month regular certificates | 3.40% | $1,431 |
| 60 monthsRegular / IRA schedule row for 60-month regular certificates | 3.40% | $1,820 |
Youth Certificates
3.70%APY · 2 terms
For savers under 18. Visit a branch to open. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months6 Month Youth Certificate | 3.70% | $183 |
| 12 months12 Month Youth Certificate | 3.70% | $370 |
Closed to new customers
Special 9 Month Certificate
4.35%APY · 1 term
Invitation-only maturing-certificate special. Must be an existing Sun East member as of March 3, 2025. No new money required to reinvest existing funds; additional funds may be added. After the initial term, renews automatically into a 12-month certificate at the then-current APY. Penalty for early withdrawal. Not listed on the October 6, 2026 rate schedule.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 months4.35% APY as of March 3, 2025. Dividend/interest rate not published. Disclosures also state APY as of 12/20/24. Limited time, by invitation only | 4.35% | $325 |
Sources (1)
- suneast.org/service/april-9-month-certificate · captured Oct 6, 2026
Who can join Sun East Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Membership is open to anyone who joins the Sun East Foundation for free, with Sun East FCU covering the initial $10 contribution.
Where you live or work
- Membership is open to individuals who live, work, or worship in eligible community areas, including Nottingham, PA, Oxford, PA, Philadelphia, PA, Newark, DE, and Wilmington, DE.
Employers and groups
- Membership is open to individuals employed by or members of participating Select Employer Group (SEG) Partners.
Family and household
- Membership is open to immediate family members (spouse, parent, grandparent, grandchild, child, sibling) of a current member.
Cost to join
- An initial $5 deposit into a savings account is required to establish membership.
Membership information collected October 5, 2026.