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Sun National Bank


 

 

 

CURRENT RATES

Rates are subject to change at anytime.

Deposit Rates Effective As of 04/07/2010

**Loan Rates Effective As of 6/1/2009

 

Select:

 

Personal Checking Rates

Product NameInterest RateAPYMinimum Required
Sun Direct0.200.20$0.01 and over
Basic Money Market0.050.05$0.01 to $4,999.99
0.200.20$5,000 to $24,999.99
0.450.45$25,000 and over


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Personal Savings Rates

Product NameInterest RateAPYMinimum Required
Basic Savings0.050.05$0.01 to $4,999.99
0.200.20$5,000 to $24,999.99
0.450.45$25,000 and over
Young Savers0.400.40$0.01 to $999.99
0.400.40$1,000.00 and over


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Personal CD/*IRA's (under $100M)

Product NameInterest RateAPYMinimum Required
7-29 Day0.150.15$500.00
30-91 Day0.150.15$500.00
3 Month Promo0.750.75$500.00
9 Month Promo - Any New or Existing Checking Account Required1.251.25$500.00
12-23 Month1.241.25$500.00
24-35 Month1.491.50$500.00
36-47 Month1.941.95$500.00
48-59 Month1.941.95$500.00
60 Month1.941.95$500.00
Sun Power (18 Month)0.100.10$500.00
Sun Rise (18 Month)0.150.25$500.00
Sun Growth IRA0.150.25$25.00


*Minimum Term for Roth and Educational IRAs is One (1) Year

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Club Accounts

Product NameInterest RateAPYMinimum Required
Auto Debit0.250.25$0.01 and over


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SunRay, SunGold, Max, and KAPOW! Relationship Accounts

Product NameInterest RateAPYMinimum Required
CD/IRAs *
7-29 Day0.400.40$500.00
30-91 Day0.400.40$500.00
3 Month Promo1.001.00$500.00
9 Month Promo - any new or existing checking account required1.501.50$500.00
12-23 Month1.491.50$500.00
24-35 Month1.741.75$500.00
36-47 Month2.192.21$500.00
48-59 Month Promo2.192.21$500.00
60 Month2.192.21$500.00
Sun Power 18 Month0.350.35$500.00
Sun Rise 18 Month0.400.40$500.00
Sun Growth IRA0.400.40$25.00
Checking Account
KAPOW Checking0.000.00$0.01 to $2,499.99
1.051.06$2,500 and over
Maximum Interest Checking - Promo Offer
0.250.25$0.01 to $4,999.99
1.091.10$5,000 and over
Maximum Interest Checking
0.150.15$5,000 to $24,999.99
0.250.25$25,000 to $49,999.99
0.500.50$50,000 to $249,999.99
1.141.15$250,000 and over
Maximum Money Market
(Maximum Checking required)0.200.20$0.01 to $4,999.99
0.500.50$5,000 to $24,999.99
0.900.90$25,000 to $49,999.99
1.141.15$50,000 and over
SunRay Money Market
(SunRay or Bank at Work Checking required)0.100.10$0.01 to $4,999.99
0.250.25$5,000 to $24,999.99
0.600.60$25,000 and over
Savings Account
SunRay Savings
(SunRay or Bank at Work Checking required)0.100.10$0.01 to $4,999.99
0.250.25$5,000 to $24,999.99
0.600.60$25,000 and over
Maximum Savings
(Maximum Checking required)0.200.20$0.01 to $4,999.99
0.500.50$5,000 to $24,999.99
0.900.90$25,000 to $49,999.99
1.141.15$50,000 and over


*A penalty will be imposed for early withdrawal
** Available for Max Checking customers only with new money


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Business/Commercial Account Rates

Product NameInterest RateAPYMinimum Required
Sun Interest Checking Non Personal0.100.10$500 to $999.99
0.100.10$1000 and over
Basic Business Money Market0.100.10$0.01 to $99,999.99
0.250.25$100,000 to $249,999.99
0.650.65$250,000 and over
Everything Under the Sun (EUTS) Business Money Market
EUTS or Commercial Analysis Checking required0.200.20$0.01 to $99,999.99
0.500.50$100,000 to $249,999.99
0.950.95$250,000 and over
Basic Business Savings0.250.25$0.01 - $99,999.99
0.250.25$100,000 to $249,999.99
0.650.65$250,000 and over


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Home Equity Loans - Fixed Rate**
Maximum LTV 75%

Loan TermAdvance AmountSunRay / SunGold / MaximumChecking / SavingsCoupon Book
Automatic DebitAutomatic Debit
12-60 Months$5,000 +5.49 APR5.74 APR5.99 APR
61-84 Months$5,000 +5.74 APR5.99 APR6.24 APR
85-120 Months$25,000 +6.24 APR6.49 APR6.74 APR
121-180 Months$25,000 to $250,0006.24 APR6.49 APR6.74 APR


$100 Closing Fee Charged at Closing for Fixed Rate Home Equity Loans Waived until further notice. Above Home Equity Rates available for primary residence only: Second homes and investment properties maximum LTV 70% add 50 basis points to above rates.  Click here for repayment examples.

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Home Equity Loans - Revolving Equity Line**

Credit LineSunRay / SunGold / MaximumChecking / SavingsBilling Statement
Automatic DebitAutomatic Debit
WSJ Prime Currently 3.25%Prime Plus ½% 4.00% APR*Prime Plus ¾% 4.00% APRPrime Plus 1% 4.25% APR*
3 year* Fixed Rate Period then variable rate5.49%5.74%5.99%
Promo Rate Fixed for the first five billing cycles. Only on NEW Home Equity Applicants. Principle & Interest Payments Primary Residence.2.99%**NANA


* $150 Closing Fee on 3 year Fixed Rate HELOC.  Credit Lines have a floor of 4.00% APR. Minimum Line is $10,000. Existing lines must increase by $50,000 to qualify for the new rates. Maximum LTV 75%. INTEREST ONLY for first 60 months (70% max LTV primary 65% non-primary). Maximum APR allowed is 18%. Property Insurance may be required. ** 2.99% Promo rate is good only on: Primary Residence, Applicants can not have an existing Sun home equity, payments must be P&I, payments must be deducted from a KAPOW!, SunRay/Gold, Max.  Click here for repayment examples.

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Boat Loans

New Boat
Maximum Advance 80%
$25,000 - $100,000

TermSunRay / SunGold / MaximumChecking / SavingsBilling Statement
Automatic DebitAutomatic Debit
12-60 Months7.49 APR7.74 APR7.99 APR
61-120 Months7.74 APR7.99 APR8.24 APR



Used Boat
Maximum Advance 70% or NADA Trade-In-Value
Minimum $25,000 - $100,000

Year of Boat & TermSunRay / SunGold / MaximumChecking / SavingsBilling Statement
Automatic DebitAutomatic Debit
Up to 5 years old 12-60 Months7.99 APR8.24 APR8.49 APR
Up to 5 years old 61-120 Months8.49 APR8.74 APR8.99 APR



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Automobile Loans**

New Auto
Maximum Advance 80%
$5,000 Minimum
$5,000 Minimum

TermSunRay / SunGold / MaximumChecking / SavingsBilling Statement
Automatic DebitAutomatic Debit
12-48 Months7.05 APR7.30 APR7.55 APR
49-60 Months7.10 APR7.35 APR7.60 APR



Used Auto
Maximum Advance NADA Trade-In Value
Minimum $5,000

Year of Auto & TermSunRay / SunGold / MaximumChecking / SavingsBilling Statement
Automatic DebitAutomatic Debit
2008-2007 12-60 Months7.35 APR7.60 APR7.85 APR
2006-2005 12-48 Months7.60 APR7.85 APR8.10 APR
2004-2003 12-36 Months7.85 APR8.10 APR8.35 APR


New and Used Car Values can be found on-line (Kelly Blue Book : www.kbb.com).  Click here for repayment examples.
 

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Unsecured**

Loan TypeTermMin Loan AmtMax Loan AmtSunRay / SunGold / MaxChecking / SavingsCoupon Book / Billing Stment
Automatic DebitAutomatic Debit
Personal Unsecured12-36 Months$1,000$5,00011.00% APR11.25% APR11.50% APR
Cash to Spare / OD Prot.36 Month Rev$1,000$2,50015% APR18% APRN/A


Click here for repayment examples


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Certificate of Deposit Secured Loans**

Minimum $1,000Maximum 90% of CD12-60 Months


Rate is 2*% over CD Annual Percentage Yield : Minimum of 5%. *Add 50 Basis Points (1/2 of 1%) if payments are made with a coupon book.  *Add 25 Basis Points (1/4 of 1%) if automatic payments from a non Sun Ray/Gold account are made. Click here for repayment examples


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Mortgage Rates

Rates are subject to change without notice.  For confirmation of current mortgage rates please contact a mortgage specialist at (800) SUN-1677.  Your rate may vary according to various property and loan characteristics.

YearsPointsRate %APRAmount
Conforming 30 year fixed04.6254.654>$100,000
Conforming 20 year fixed04.3754.410>$100,000
Conforming 15 year fixed04.1254.199>$100,000
Conforming 10 year fixed03.8753.981>$100,000
Conforming 5/1 Libor03.6253.666>$100,000
Conforming 7/1 Libor04.0004.350>$100,000
FHA 30 year fixed04.3754.417>$100,000
Jumbo 5/1 Libor04.6254.627<$1,000,000


 

Rates and APR's are based on loan to value ratios equal to or less then 80%, primary residence, and conforming loan amounts (unless otherwise noted). Rates are subject to loan amount, loan purpose, property type and location, credit rating, and lock in period duration.

Loan Amounts less then $100,000 + .50 points

Loan Amounts less then $50,000 + 1.25 points

For conforming loans + .25 points for escrow waivers

*Rates are subject to change without notice.  For confirmation of current rates please contact a mortgage specialist at (800) SUN-1677.  Your rate may vary according to various property and loan characteristics. 

Other programs available:

JUMBO FINANCING - ADJUSTABLE RATE MORTGAGES - FIRST TIME HOMEBUYER - FHA  - REVERSE MORTGAGES

Construction Loan Programs: Designed for Stick Built and Modular Homes Programs for Personal Residence - Second Home - Investment Properties

For Rates to be effective Application must be obtained and Rate Lock Agreement signed


Click here for repayment examples
 


Talk to a Loan Officer today!
800-SUN-1677
SunHomeLoans@sunnb.com



 

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