Credit union · NCUA insured
Sun Federal Credit Union Savings Rates
Sun Federal Credit Union’s best savings rate is 0.05% APY on $10,000, with its Savings. Rates checked October 16, 2026.
How Sun Federal Credit Union’s savings 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
0.80%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $80
Amplify Money Market
Top rate
Superior Credit Union
3.95%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $395
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
Sun Federal Credit Union savings score
80
Savings score
Higher than 53% of U.S. banks and credit unions
By balance
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.65%
- QualifiedQualified0.80%
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 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.
Round ‘n Save
Up to 7.50%APY
Must have an SFCU checking account and debit card to participate in Round 'n Save. Funds can only be deposited from rounding up on debit card purchases to the next dollar and can be withdrawn at anytime without penalty.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMVP rate. To qualify for MVP, members must have a savings, active checking account (one transaction per month), and a qualifying third product.Any balance | 7.50% | $750 | MVP rate. To qualify for MVP, members must have a savings, active checking account (one transaction per month), and a qualifying third product. |
| Any balanceStandard rate. No minimum balance required to earn advertised APY.Any balance | 0.05% | $5 | Standard rate. No minimum balance required to earn advertised APY. |
Sources (2)
All captured Oct 16, 2026
Ohio Homebuyer Plus
7.25%APY
Specialized savings account to save for a home in Ohio. Sun Federal membership required (minimum deposit of $5.00 in a savings account at opening). Applicant must be at least 18 years of age. Members shall hold not more than one Ohio Homebuyer Savings Program account at any one time. Account cannot be held jointly. Account balances under $100,000 have a maximum duration of five years and must be used for a qualified home purchase in Ohio; for balances reaching $100,000, funds must be used within the next 12 calendar months.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $100,000A minimum deposit of $500 is required. Members must maintain a minimum balance of at least $500 to earn 7.00% Rate/7.25% APY. Maximum deposit allowable is $100,000; dividends can take the balance above $100,000 and are compounded daily.$500 – $100,000 | 7.25% | $725 | A minimum deposit of $500 is required. Members must maintain a minimum balance of at least $500 to earn 7.00% Rate/7.25% APY. Maximum deposit allowable is $100,000; dividends can take the balance above $100,000 and are compounded daily. |
Sources (2)
All captured Oct 16, 2026
Empower Money Market
0.05%APY
Maintain a minimum balance of $1,000 to earn dividends. Unlimited deposits.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $75,000Standard rate. Minimum deposit to earn APY: $1,000.00. | 0.05% | $5 | Standard rate. Minimum deposit to earn APY: $1,000.00. |
| $75,000 – $100,000Member Value Program (MVP) rate. Minimum deposit to earn APY: $75,000.00. Requires savings, active checking account (one transaction per month), and a qualifying third product. | 0.90% | — | Member Value Program (MVP) rate. Minimum deposit to earn APY: $75,000.00. Requires savings, active checking account (one transaction per month), and a qualifying third product. |
| $75,000 – $100,000Standard rate. Minimum deposit to earn APY: $75,000.00. | 0.60% | — | Standard rate. Minimum deposit to earn APY: $75,000.00. |
| $100,000 – $150,000Member Value Program (MVP) rate. Minimum deposit to earn APY: $100,000.00. Requires savings, active checking account (one transaction per month), and a qualifying third product. | 0.95% | — | Member Value Program (MVP) rate. Minimum deposit to earn APY: $100,000.00. Requires savings, active checking account (one transaction per month), and a qualifying third product. |
| $100,000 – $150,000Standard rate. Minimum deposit to earn APY: $100,000.00. | 0.65% | — | Standard rate. Minimum deposit to earn APY: $100,000.00. |
| $150,000 – $200,000Member Value Program (MVP) rate. Minimum deposit to earn APY: $150,000.00. Requires savings, active checking account (one transaction per month), and a qualifying third product. | 1.00% | — | Member Value Program (MVP) rate. Minimum deposit to earn APY: $150,000.00. Requires savings, active checking account (one transaction per month), and a qualifying third product. |
| $150,000 – $200,000Standard rate. Minimum deposit to earn APY: $150,000.00. | 0.70% | — | Standard rate. Minimum deposit to earn APY: $150,000.00. |
| $200,000 and upMember Value Program (MVP) rate. Minimum deposit to earn APY: $200,000.00. Requires savings, active checking account (one transaction per month), and a qualifying third product. | 1.10% | — | Member Value Program (MVP) rate. Minimum deposit to earn APY: $200,000.00. Requires savings, active checking account (one transaction per month), and a qualifying third product. |
| $200,000 and upStandard rate. Minimum deposit to earn APY: $200,000.00. | 0.75% | — | Standard rate. Minimum deposit to earn APY: $200,000.00. |
Amplify Money Market
Up to 0.80%APY
Maintain a minimum balance of $1,000 to earn dividends. Unlimited deposits.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $75,000Member Value Program (MVP) rate. Minimum deposit to earn APY: $1,000.00. Requires savings, active checking account (one transaction per month), and a qualifying third product. | 0.80% | $80 | Member Value Program (MVP) rate. Minimum deposit to earn APY: $1,000.00. Requires savings, active checking account (one transaction per month), and a qualifying third product. |
| $1,000 – $75,000Standard rate. Minimum deposit to earn APY: $1,000.00. | 0.50% | $50 | Standard rate. Minimum deposit to earn APY: $1,000.00. |
| $75,000 – $100,000Member Value Program (MVP) rate. Minimum deposit to earn APY: $75,000.00. Requires savings, active checking account (one transaction per month), and a qualifying third product. | 0.85% | — | Member Value Program (MVP) rate. Minimum deposit to earn APY: $75,000.00. Requires savings, active checking account (one transaction per month), and a qualifying third product. |
| $75,000 – $100,000Standard rate. Minimum deposit to earn APY: $75,000.00. | 0.55% | — | Standard rate. Minimum deposit to earn APY: $75,000.00. |
| $100,000 – $150,000Member Value Program (MVP) rate. Minimum deposit to earn APY: $100,000.00. Requires savings, active checking account (one transaction per month), and a qualifying third product. | 0.90% | — | Member Value Program (MVP) rate. Minimum deposit to earn APY: $100,000.00. Requires savings, active checking account (one transaction per month), and a qualifying third product. |
| $100,000 – $150,000Standard rate. Minimum deposit to earn APY: $100,000.00. | 0.60% | — | Standard rate. Minimum deposit to earn APY: $100,000.00. |
| $150,000 – $200,000Member Value Program (MVP) rate. Minimum deposit to earn APY: $150,000.00. Requires savings, active checking account (one transaction per month), and a qualifying third product. | 1.00% | — | Member Value Program (MVP) rate. Minimum deposit to earn APY: $150,000.00. Requires savings, active checking account (one transaction per month), and a qualifying third product. |
| $150,000 – $200,000Standard rate. Minimum deposit to earn APY: $150,000.00. | 0.65% | — | Standard rate. Minimum deposit to earn APY: $150,000.00. |
Savings
0.05%APY
To become a member of Sun Federal Credit Union, a savings account with a minimum deposit of $5.00 is required at opening. Add more savings accounts without a minimum balance once a member.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum deposit to earn APY: $5.00.$5 and up | 0.05% | $5 | Minimum deposit to earn APY: $5.00. |
Sources (1)
- sunfederalcu.org/accounts/savings-accounts · captured Oct 16, 2026
Special-purpose accounts
Health Savings Accounts
Up to 1.00%APY
Account for qualifying health and wellness expenses alongside a high-deductible health insurance or qualifying plan.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Tier 1: $0 – $4,999.99. MVP rate. Requires qualification for the Member Value Program (savings, active checking account with one transaction per month, and a qualifying third product). | 0.60% | — | Tier 1: $0 – $4,999.99. MVP rate. Requires qualification for the Member Value Program (savings, active checking account with one transaction per month, and a qualifying third product). |
| Up to $5,000Tier 1: $0 – $4,999.99. Minimum deposit to earn APY: $0.00. | 0.20% | — | Tier 1: $0 – $4,999.99. Minimum deposit to earn APY: $0.00. |
| $5,000 – $10,000Tier 2: $5,000.00 – $9,999.99. MVP rate. Requires qualification for the Member Value Program (savings, active checking account with one transaction per month, and a qualifying third product). | 0.75% | — | Tier 2: $5,000.00 – $9,999.99. MVP rate. Requires qualification for the Member Value Program (savings, active checking account with one transaction per month, and a qualifying third product). |
| $5,000 – $10,000Tier 2: $5,000.00 – $9,999.99. Minimum deposit to earn APY: $5,000.00. | 0.40% | — | Tier 2: $5,000.00 – $9,999.99. Minimum deposit to earn APY: $5,000.00. |
| $10,000 and upTier 3: $10,000.00 and above. MVP rate. Requires qualification for the Member Value Program (savings, active checking account with one transaction per month, and a qualifying third product). | 1.00% | $100 | Tier 3: $10,000.00 and above. MVP rate. Requires qualification for the Member Value Program (savings, active checking account with one transaction per month, and a qualifying third product). |
| $10,000 and upTier 3: $10,000.00 and above. Minimum deposit to earn APY: $10,000.00. | 0.60% | $60 | Tier 3: $10,000.00 and above. Minimum deposit to earn APY: $10,000.00. |
Sources (1)
- sunfederalcu.org/accounts/health-savings-accounts · captured Oct 16, 2026
Club Account
0.55%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $25,000Tier 1: $1,000.00 – $24,999.99. Minimum deposit to earn APY: $1,000.00. | 0.55% | $55 | Tier 1: $1,000.00 – $24,999.99. Minimum deposit to earn APY: $1,000.00. |
| $25,000 – $50,000Tier 2: $25,000.00 – $49,999.99. Minimum deposit to earn APY: $1,000.00. | 0.60% | — | Tier 2: $25,000.00 – $49,999.99. Minimum deposit to earn APY: $1,000.00. |
| $50,000 – $75,000Tier 3: $50,000.00 – $74,999.99. Minimum deposit to earn APY: $1,000.00. | 0.65% | — | Tier 3: $50,000.00 – $74,999.99. Minimum deposit to earn APY: $1,000.00. |
| $75,000 and upTier 4: $75,000 and above. Minimum deposit to earn APY: $1,000.00. | 0.75% | — | Tier 4: $75,000 and above. Minimum deposit to earn APY: $1,000.00. |
Sources (1)
- sunfederalcu.org/rates · captured Oct 16, 2026
IRA Savings
0.05%APY
Available as Traditional or Roth Individual Retirement Account (IRA).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum deposit to earn APY is not stated (listed as N/A).Any balance | 0.05% | $5 | Minimum deposit to earn APY is not stated (listed as N/A). |
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.