Credit union · NCUA insured
Sun Federal Credit Union CD Rates
Sun Federal Credit Union’s best CD rate is 4.30% APY on an 18-month share certificate (CD). Terms run from 3 months to 7 years. Rates checked October 16, 2026.
How Sun Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Toledo, OH, where Sun Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Sun Federal Credit Union
4.30%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $652
Regular Certificates
Top rate
Fremont Federal Credit Union
5.10%APY
- Term
- 84 months
- Minimum
- $1,000
- Earns on $10,000
- $4,165
2nd-highest rate
Educational Community Alliance CU
4.58%APY
- Term
- 48 months
- Minimum
- —
- Earns on $10,000
- $1,962
Sun Federal Credit Union CD score
90
CD score
Higher than 91% of U.S. banks and credit unions
- 3–8 months3–8 mo0.90%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo4.30%
- 31–60 months31–60 mo4.20%
- QualifiedQualified4.30%
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 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.
Regular Certificates
Up to 4.30%APY · 10 terms
Fixed rates compounded monthly. Funds can be withdrawn for a down payment on a SFCU loan without penalty. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.75% | $19 |
| 6 months | 0.90% | $45 |
| 12 months | 4.25% | $425 |
| 12 monthsFlexiRate Add-On | 3.50% | $350 |
| 18 months | 4.30% | $652 |
| 24 months | 4.30% | $878 |
| 24 monthsAdd-On | 4.20% | $858 |
| 36 months | 4.10% | $1,281 |
| 48 months | 4.15% | $1,766 |
| 54 months | 4.15% | $2,008 |
| 60 months | 4.20% | $2,284 |
| 84 monthsRaise-Up | 4.30% | $3,427 |
Sources (4)
- sunfederalcu.org/accounts
- sunfederalcu.org/rates
- sunfederalcu.org/accounts/share-certificates
- sunfederalcu.org
All captured Oct 16, 2026
Special-purpose accounts
IRA Certificates
Up to 4.30%APY · 11 terms
Available as Traditional or Roth Individual Retirement Account (IRA). Early withdrawal penalties may be imposed.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.75% | $19 |
| 6 months | 0.90% | $45 |
| 12 months | 4.25% | $425 |
| 12 monthsFlexiRate Add-On | 3.50% | $350 |
| 18 months | 4.30% | $652 |
| 24 months | 4.30% | $878 |
| 24 monthsAdd-On | 4.20% | $858 |
| 36 months | 4.10% | $1,281 |
| 42 monthsAdd-On | 3.95% | $1,452 |
| 48 months | 4.15% | $1,766 |
| 54 months | 4.15% | $2,008 |
| 60 months | 4.20% | $2,284 |
| 84 monthsRaise-Up | 4.30% | $3,427 |
Youth Certificates
4.25%APY · 1 term
Youth Add-On certificate. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 30 monthsNo Minimum w/ Add-On | 4.25% | $1,097 |
Sources (2)
All captured Oct 16, 2026
Who can join Sun 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 by joining through a complimentary membership to the American Consumer Council (ACC).
Where you live or work
- Membership is open to individuals who live, work, worship, attend school, or conduct business within a designated community area.
Employers and groups
- Membership is open to members of a church, club, or association that is a participating Sponsor Group.
- Membership is open to employees and retirees of a participating Sponsor Group.
Military, government and schools
- Membership is open to students attending a partner school.
Family and household
- Membership is open to immediate family members (spouse, parent, grandparent, sibling, child) or household members of an existing member.
Membership information collected October 5, 2026.