Our Rates

Deposit Rates

(Effective as of: 02/02/2012)

Most recent dividend declaration

APY
Regular Share 0.25%
Youth Account 0.25%
Sun Fund Money Market Account Month of February 2012
Balance $10,000 or more 0.41%
Balance less than $10,000 0.35%
Vacation Club Account 0.25%
Christmas Club Account 0.25%
Variable Rate IRA 1.10%
Share Draft Account 0.10%
Share Certificate Accounts
6-month Certificate $10,000 or more 0.42%
6-month Certificate less than $10,000 0.38%
12-month Certificate $10,000 or more 0.55%
12-month Certificate less than $10,000 0.50%
30-month Certificate $10,000 or more 0.60%
30-month Certificate less than $10,000 0.54%
Share Certificate Rates are updated every Thursday.

** APY means Annual Percentage Yield

Loan Rates

(Effective as of: 02/02/2012)

Real Estate (Property must be in California)

Max Term Years

Variable APR

Fixed APR

2nd Mortgage (owner occupied) 15
Risk Grade A 5.875%
Risk Grade B 6.500%
Risk Grade C 7.750%
Risk Grade D 9.250%
2nd Mortgage (nonowner occupied) 12
Risk Grade A 7.875%
Risk Grade B 8.500%
Risk Grade C 9.750%
Risk Grade D 11.250%
Equity Line of Credit 20
Risk Grade A 4.875%
Risk Grade B 5.500%
Risk Grade C 6.750%
Risk Grade D 8.250%

Share Secured Loan

Max Terms Years

Fixed APR

5 1.89%

Signature

Max Terms Years

Fixed APR

Risk Grade A 5 9.96%
Risk Grade B 5 10.97%
Risk Grade C 5 11.96%
Risk Grade D 5 15.99%

VISA Card

Fixed APR

Risk Grade A 10.05%
Risk Grade B 10.62%
Risk Grade C 11.49%
Risk Grade D 14.60%

Car Loan Rates

Term

Term

Term

Term

Term
Fixed APR 6yrs 5yrs 4yrs 3yrs 2yrs
Risk Grade A 3.60% 3.35% 3.35% 3.16% 2.91%
Risk Grade B 4.20% 3.95% 3.95% 3.76% 3.51%
Risk Grade C 6.52% 6.27% 6.27% 6.08% 5.83%
Risk Grade D 10.89% 10.64% 10.64% 10.45% 10.20%
New Cars Extended Terms Loan >$30,000 7 yr term available add .25% to 6 year rate
Used Car Max Terms by Model Years 2011-2012 2006-2010 2002-2005 1997-2001
5 years 4 years 3 years 2 years

APR means Annual Percentage Rate
The Variable Equity Line of Credit Rate is adjusted once a year: January 1.
The rate is indexed to the FHLB Eleventh District cost of funds.

 
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.