CURRENT RATES
Rates are subject to change at anytime.
Deposit Rates Effective As of 12/27/2011
**Loan Rates Effective As of 12/01/2011
Select:
Personal Checking Rates
| Product Name | Interest Rate | APY | Minimum Required |
Personal Savings Rates
| Product Name | Interest Rate | APY | Minimum Required |
Personal CD/*IRA's (under $100M)
| Product Name | Interest Rate | APY | Minimum Required |
*Minimum Term for Roth and Educational IRAs is One (1) Year
Club Accounts
| Product Name | Interest Rate | APY | Minimum Required |
SunRay, SunGold, Max, HIP and KAPOW! Relationship Accounts
| Product Name | Interest Rate | APY | Minimum Required |
*A penalty will be imposed for early withdrawal
** Available for Max Checking customers only with new money
Business/Commercial Account Rates
| Product Name | Interest Rate | APY | Minimum Required |
Fixed Rate Home Equity Loans
Maximum LTV 75%
| Loan Term | Minimum New Advance/Money Amount | Automatic Debit | Coupon Book |
Second homes and investment properties maximum LTV 70% add 50 basis points to above rates
Revolving Home Equity Line of Credit
Minimum Line $10,000 or Increase $50,000
| Credit Line | Automatic Debit | Billing Statement |
All HELOC's have a $50 annual fee and require a $10,000 minimum advance at account opening
* Tier 1 HELOC's have a rate floor of 2.99% APR (Annual Percentage Rate)
**Standard HELOC's rates may show the rate floor of 4.00%
***2.99% Promo rate must be P&I payments and have automatic payments from a Sun account
****$150 Closing Fee on 3yr Fixed Rate HELOC
$ 250 Early Termination Fee Charged if account is closed within 2 years
Credit Line Rates are Variable Based on Wall Street Journal Prime
Second homes and investment properties maximum LTV 70% add 50 basis points to above rates
New Boat
Maximum Advance 80%
$25,000 - $100,000
| Term | Automatic Debit | Coupon Book |
Used Boat
Maximum Advance 70% or NADA Trade-In-Value
Minimum $25,000 - $100,000
| Term | Automatic Debit | Coupon Book | |
Automobile Loans
New Auto
Maximum Advance 80%
$5,000 Minimum
| Term | Automatic Debit | Coupon Book |
Used Auto
Maximum Advance NADA Trade-In Value
Minimum $5,000
| Year of Auto | Term | Automatic Debit | Coupon Book |
New and Used Car Values can be found on-line (Kelly Blue Book): WWW.KBB.COM.
Used car values can be found in Appro
Unsecured
| Loan Type | Term | Min Loan Amt | Max Loan Amt | Automatic Debit | Coupon Book / Billing Stment |
Certificate of Deposit Secured Loans
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.
A $50.00 fee will be charged for all loans that require re-documentation for change of settlement date.
Sun Home Loans is a division of Sun National Bank.
The contents of this website are the sole property of Sun National Bank and related subsidiaries. Any unauthorized access or alterations to the company's server or website is prohibited and constitutes a crime punishable by law (18 USC 1030). Certain links from this site will carry visitors to external Web sites hosted by Sun's business partners whose privacy policies and security may differ from Sun National Bank.
