Loans

We offer the following types of loans:

  • VISA Credit Card
  • Car Loan – New and Used
  • Personal Loan
  • Share Secured Loan

The above applications are available on line to members previously enrolled in Home Financial Services.

A personal loan is made without collateral. Sometimes called a signature or unsecured loan, get this loan to pay bills, credit card balances and surprise expenses.

A Share Secured loan is one where you pledge your credit union deposits to secure an equivalent loan amount.

Other Loans: For a description of “Other Loans” click here

  • Real Estate Loans
    • Second Mortgage
    • Home Equity Line of Credit

There are three ways to apply for a loan:

  • Call and ask that an application be mailed to you
  • Come to the credit union and ask for an application
  • On-line (it's easy!)

If you apply on line, you must first be a member, and signed up for Home Financial Services.
Click here to sign up for HFS. It will take one business day to provide you with HFS access.

Already established on Home Financial Services? Click here to Apply for a Loan.

If you are not a member, please call or write the credit union for a membership application.


 
What's New
Contact Us

Freedom From Debit Card fees

We can help you make a painless switch from your bank to our friendly credit union. Why wait? No Debit Card Fees. No Checking Account Maintenance Fees. How cool is that?

New!! EMERGENCY LOANS

The local pay day loan places DON'T want to hear this. But we have a better answer to their 400% short-term loans. Click the button above:
New. Emergency Loans.
Or speak to us. We'll be happy to tell you about this new service to our members.

Shared Branching a Success

Members living in Maryland, Georgia and Florida are accessing their accounts at shared branching locations. So can you.

To find a location near you, click on 'Click Here'.

Click Here

AUDIO RESPONSE TELLER

Sun Pacific's ART is capable of identifying electronic checks. Yesterday, ART could only tell you about share drafts which cleared the old-fashioned way. Now ART can tell you about the checks which were paid as electronic checks.

If you would like to access your account by telephone, call the credit union at 970-1181 and ask to be set up for audio response teller access. All we have to do is give you a PIN.

Where Am I and How Can I Get Money From My Account?

While you're thinking about it, put this number in your cell phone: 888.287.9475. This is the number to locate the nearest credit union on our SWIRL Shared Branching Network. Tell them where you are, and you're soon on your way to the nearest branch. They will even send the information to your cell phone if you like. Another free service from Sun Pacific.

We are located at 1221 Nevin Avenue in the Frank Hagel Federal Building in Richmond, California. We are two blocks west of the Richmond Bart Station.

Mailing Address
Sun Pacific Federal Credit Union
P.O. Box 4043
Richmond, CA 94804-0043

Telephone Numbers
510-970-1181
800-342-9804

ART (Audio Reponse Teller)
510-970-1192 or 510- 237-0433

To Report Lost or StolenDebit CardCredit Card
In U.S. 800-472-3272 800-556-5678
Outside U.S. 973-682-2652 402-399-3600

E-mail sunpacfcu@sbcglobal.net

Hours
Monday-Friday:  9:45 AM to 3:45 PM
Closed on all national holidays.