Credit union · NCUA insured
Sun Federal Credit Union Credit Card Rates
Sun Federal Credit Union credit cards start at 10.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Sun Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Toledo, OH, where Sun Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Sun Federal Credit Union
10.99%APR
- Up to
- 18.00% APR
Rate Advantage
Lowest rate
Glass City Federal Credit Union
6.99%APR
- Up to
- 17.88% APR
2nd-lowest rate
Toledo Fire Fighters Federal Credit Union
7.99%APR
- Up to
- —
Sun Federal Credit Union credit card score
77
Credit card score
Higher than 44% of U.S. banks and credit unions
- Purchase APRPurchase APR10.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Sun Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Cash Back
Sun Federal CU membership required ($5 savings account opening deposit). Personal property/shares collateral for California borrowers. Approved for credit lines less than $5,000 receive Cash Back or Rate Advantage Card.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | Introductory APR for 12 billing cycles on purchases posted during the first 12 months following account opening. |
| Ongoing | 13.74%–18.00% | None | After introductory period. Variable APR based on Prime Rate; based on creditworthiness. |
| Ongoing | 14.74%–18.00% | None | Based on creditworthiness. Variable APR based on the Prime Rate. |
| Ongoing | 12.99%–18.00% | None | — |
Sources (3)
- sunfederalcu.org/loans/credit-cards
- sunfederalcu.org/rates
- sunfederalcu.org/visa-application-disclosure
All captured Oct 16, 2026
Luxury
Sun Federal CU membership required ($5 savings account opening deposit). Typically approved for credit lines of $5,000 or greater. Personal property/shares collateral for California borrowers.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.24%–18.00% | None | Based on creditworthiness. Variable APR based on the Prime Rate. |
| Intro, 12 months | 0.00% | None | Introductory APR for 12 billing cycles on balance transfers from outside SFCU posted during the first 12 months. Existing SFCU loan/credit card balances not eligible. |
| Ongoing | 15.24%–18.00% | None | Based on creditworthiness. Variable APR based on the Prime Rate. |
| Ongoing | 13.49%–18.00% | None | — |
Sources (3)
- sunfederalcu.org/loans/credit-cards
- sunfederalcu.org/rates
- sunfederalcu.org/visa-application-disclosure
All captured Oct 16, 2026
Rate Advantage
Sun Federal CU membership required ($5 savings account opening deposit). Personal property/shares collateral for California borrowers. Approved for credit lines less than $5,000 receive Cash Back or Rate Advantage Card.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.74%–18.00% | None | Based on creditworthiness. Variable APR based on the Prime Rate. |
| Intro, 6 months | 0.00% | None | Introductory APR for 6 billing cycles on balance transfers from outside SFCU posted during the first six months. Existing SFCU loan/credit card balances not eligible. |
| Ongoing | 10.99%–18.00% | None | — |
Sources (4)
- sunfederalcu.org/loans/credit-cards
- sunfederalcu.org/rates
- sunfederalcu.org/visa-application-disclosure
- sunfederalcu.org
All captured Oct 16, 2026
Rate Advantage Secured
Sun Federal CU membership required ($5 savings account opening deposit). Personal property/shares collateral for California borrowers.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.74% | None | Variable APR based on the Prime Rate. |
| Intro, 6 months | 0.00% | None | Introductory APR for 6 billing cycles on balance transfers posted during the first six months. Existing SFCU loan/credit card balances not eligible. |
Sources (1)
- sunfederalcu.org/visa-application-disclosure · 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.