Loan Rates

Real Estate

2nd Mortgage (Owner Occupied) - 15 Term Years

second mortgage occupied
Type APR*
Risk Grade A+ 7.500% (Fixed)
Risk Grade A 7.750% (Fixed)
Risk Grade B 8.250% (Fixed)
Risk Grade C 10.250% (Fixed)
Risk Grade D 10.750% (Fixed)

2nd Mortgage (Non-Owner Occupied) - 12 Term Years

second mortgage non occupied
Type APR*
Risk Grade A+ 9.500% (Fixed)
Risk Grade A 9.750% (Fixed)
Risk Grade B 10.250% (Fixed)
Risk Grade C 12.250% (Fixed)
Risk Grade D 12.750% (Fixed)

Equity Line of Credit - 20 Term Years

Equity line of credit
Type APR*
Risk Grade A+ 7.000% (Variable)
Risk Grade A 7.250% (Variable)
Risk Grade B 7.750% (Variable)
Risk Grade C 9.750% (Variable)
Risk Grade D 10.250% (Variable)
 

Shared Secured Loans

shared secured loan
Type Term (Years) APR*
Share Secured Loan 5 4.79% (Fixed)
 

Personal/Unsecured

personalunsecured loan
Type Term (Years) APR*
Personal/Unsecured 5 7.99% - 16.46% (Fixed)
Emergency Loan 12 Months 28.00% (Fixed)
 

Visa® Card

visa card plus
Type APR* Limit
Pinnacle Gold (Risk Grade A+) 8.79% (Fixed) $10,000
Elite Gold (Risk Grade A) 11.95% (Fixed) $7,000
SP Gold (Risk Grade B) 13.57% (Fixed) $5,000
Elite Classic (Risk Grade C) 16.85% (Fixed) $2,000
SP Classic (Risk Grade D) 17.79% (Fixed) $750

Sun Pacific now has a VISA Credit Card Cash Rewards program where our cardholders can earn 1% back on approved net purchases.
Please click here for full details or contact Sun Pacific at 510-970-1181
Income must be greater than $30,000 per annum for Gold Card
 

Car Loans

Risk Grade A+

car loans risk grade a++
Model Year Number of Years APR*
2025 to 2027 7 Yrs 5.65%
2025 to 2027 6 Yrs 4.95%
2025 to 2027 5 Yrs 4.85%
2020 to 2024 4 Yrs 4.75%
2016 to 2019 3 Yrs 4.65%
2011 to 2015 2 Yrs 4.55%

Risk Grade A

car loans risk gratde a+
Model Year Number of Years APR*
2025 to 2027 7 Yrs 5.80%
2025 to 2027 6 Yrs 5.10%
2025 to 2027 5 Yrs 5.00%
2020 to 2024 4 Yrs 4.90%
2016 to 2019 3 Yrs 4.80%
2011 to 2015 2 Yrs 4.70%

Risk Grade B

car loans risk grade b+
Model Year Number of Years APR*
2025 to 2027 7 Yrs 6.15%
2025 to 2027 6 Yrs 5.45%
2025 to 2027 5 Yrs 5.35%
2020 to 2024 4 Yrs 5.25%
2016 to 2019 3 Yrs 5.15%
2011 to 2015 2 Yrs 5.05%

Risk Grade C

car loans risk grade c+
Model Year Number of Years APR*
2025 to 2027 7 Yrs 9.25%
2025 to 2027 6 Yrs 8.55%
2025 to 2027 5 Yrs 8.45%
2020 to 2024 4 Yrs 8.35%
2016 to 2019 3 Yrs 8.25%
2011 to 2015 2 Yrs 8.15%

Risk Grade D

car loans risk grade d+
Model Year Number of Years APR*
2025 to 2027 7 Yrs 11.20%
2025 to 2027 6 Yrs 10.50%
2025 to 2027 5 Yrs 10.40%
2020 to 2024 4 Yrs 10.30%
2016 to 2019 3 Yrs 10.20%
2011 to 2015 2 Yrs 10.10%

Deposit Rates

Rates

Effective as of: 4/21/2026

deposit rates
Account APY**
Sun Fund Money Market Balance $5,000 to less than $10,000 1.80%
Sun Fund Money Market Balance $10,000 or more 2.50%
Sun Fund Money Market Balance $50,000 or more 3.51%
Share Account 0.10%
Youth Account 0.10%
Christmas Club Account 0.10%
Vacation Club Account 0.10%
Variable Rate IRA 2.50%
Share Draft Account 0.05%
 

Share Certificate Accounts

Effective as of: 4/21/2026

share certificate accounts
Account APY**
6-month Certificate $10,000 or more 3.55%
6-month Certificate less than $10,000 3.35%
12-month Certificate $10,000 or more 3.20%
12-month Certificate less than $10,000 3.00%
30-month Certificate $10,000 or more 3.15%
30-month Certificate less than $10,000 2.95%

Fees

Fees

Effective as of: 03/07/2022

fees
Type Fee
Membership Application Fee Free
Early Account Closing (within 6 months) $20
Open Checking Account - waived with direct dep or payroll ded. $20
Early Christmas Account Withdrawal $10
New Debit Card -- waived with payroll deduction or dir dep $20
Visa Card Rush $30
Visa Credit Card Temporary Limit Increase Request $20
Debit Card or Credit Card Replacement $20
PIN Replacement $20
Draft Printing Fee depends on style of draft ordered
Draft Photocopy Fee $5
Check Cashing - Non-Member $5
Temporary Check Printing $5 per sheet
Phone Transfer - waived when comb. act. balance > $2,500 $5
Returned Item--Open Account $20
Returned Item -- Closed Account $40
Returned Item -- Deposited Check (and other items) $20
Returned Item -- Check drawn on own act. at other Fin. Inst. $40
Resubmit Deposit Item $10
Stop Payments (all items) $25
Corporate Check Stop Payment $15
Collection Item $50
Levies $25
Teller Check (if payee other than member) $2
Emergency Loan Application Fee $20
Mortgage Loan Application Fee $250
Demand for Payoff (Mortgage Loan) $25
Mortgage Reconveyance Fee $50
Loan Modification Fee $20
Lien Satisfied $20
Subordination Fee $50
Verification of Deposit -- waived for Seniors $25
Account Activity Printout $5
Returned Mail $2
Account Research $20 per hour
Statement Reprint $5
Duplicate Tax Form (1098, 1099) $5
Notary Services -- Non-Member (per signature) $15
Wire Outgoing $35
ACH Origination (Electronic account transfer) $15
NSF fee Checking Account $25
Below Minimum Balance Fee -- Regular Share under $100 $5 per month
Lobby ATM $2
Incorrect Taxpayer ID $50
Excessive withdrawals from savings $3