Select from the links below to view the most current rates that we offer:

Mortgages

Mortgage TypeRatePointsAPRPayment Per $1,000✝
Conventional 30 Year Fixed4.000%04.092%$4.77
Conventional 20 Year Fixed3.750%03.877%$5.93
Conventional 15 Year Fixed3.125%03.285%$6.97
FHA 30 Year Fixed3.375%04.446%$5.20
FHA 15 Year Fixed3.125%04.369%$7.78
FHA 203K 30 Year4.000%15.139%$5.56
VA 30 Year Fixed3.500%03.837%$4.64
VA 15 Year Fixed3.250%03.852%$7.25
SONYMA Low Interest Rate Program 30 Year4.375%04.470%$4.99
SONYMA Achieving the Dream 30 Year4.000%04.092%$4.77
Retained 10 Year ARM4.500% ^04.528% ^$5.07
Conventional 97% LTV, 30 year4.000%04.520%$5.03

† Payments do not include amounts for taxes and insurance premiums, if applicable, and your payment may be higher.

The annual percentage rate (APR) may vary. Unless otherwise indicated, information is based on a loan amount of $200,000; credit score above 720; and LTV below 80%. Your actual APR may be different. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. For additional mortgage rate information please contact a member of the mortgage department. Sunmark offers additional other term loans, please contact a member of Sunmark’s Mortgage Department.

APR = Annual Percentage Rate. Credit lines are based on creditworthiness and are subject to approval.

^4.125% simple interest rate, 4.172% APR good for 10 years. 80% LTV required. Beginning in year 11, through year 30, rate can adjust up to 2% annually, with a maximum rate of 10.125% and minimum simple interest rate of 3.50% for the remainder of the loan term. Available for purchase transactions only. Rates subject to change.

Home Equity Loans

Are you interested in a home equity loan or line of credit from Sunmark? Get started today! Use our convenient online loan application, or call us at (866) SUNMARK for more information.

 

APRTerm / RepaymentMaximum AmountPayment Per $1,000✝Remarks
4.500%Up to 20 YearsLess than or equal to 85% of property valueMinimum $2,000; First or Second Lien Position.

† Payment Per $1,000 is based on a 20 year Home Equity Loan. Payments do not include amounts for taxes and insurance premiums, if applicable, and your payment may be higher.

Home Improvement Loans

APRTerm / RepaymentMaximum AmountPayment Per $1,000✝Remarks
7.49%Up to 120 monthsUp to 133% LTV$11.86 $10,000 maximum; credit 660 and higher

† Payment Per $1,000 is based on a 10 year repayment period. Payments do not include amounts for taxes and insurance premiums, if applicable, and your payment may be higher. This product is an unsecured loan. Please consult your tax advisor regarding deductibility of interest.

HomeFlex Lines of Credit

APRTerm/RepaymentMaximum AmountRemarks
HomeFlex4.250%5 year draw (renewable), 15 year repayLess than or equal to 85% of property value4.250% rate is fixed for first 60 months, then Prime + 0.00%.
HomeFlex1006.250%5 year draw (renewable), 15 year repayUp to 100% LTV6.250% rate is fixed for first 60 months, then Prime + 2.25%. Non-promotional rate is 6.250% APR.

Loan rates are determined by each member’s overall credit history and loan to value. Prime is 4.25% as of June 15, 2017.

All rates and terms are subject to change.

APR = Annual Percentage Rate. Credit lines are based on credit worthiness and are subject to approval.

Personal Loans & Lines of Credit

Account TypeAPRRepayment PeriodMaximum AmountRemarks
Personal Line of CreditAs Low As 12.75%Revolving$25,000 $1,000 minimum to open
Signature Credit Cardprime + 6.74%revolving$50,000$5,000 minimum to open
Overdraft Line of Credit12.50%Revolving$10,000 Prime plus 8.25%, adjusted quarterly. Tied to Share Checking.
Personal LoanAs Low As 9.24%up to 60 Months$25,000 $1,000 minimum to open
Secured Personal Loan5.00%10 Years$50,000 Secured by Shares
Secured Personal Loan7.25%5 Years$50,000 Secured by Share Certificate
Platinum Credit Cardprime + 4.74%revolving$50,000$500 minimum to open

Prime is 4.25% as of June 15, 2017.

Vehicle Loans

Looking to purchase a new or used vehicle? Get started today! Use our convenient online loan application, or call us at (866) SUNMARK for more information or a quote. Remember, Sunmark’s loan rates are good for any type of vehicle!

Account TypeAPRTerm / RepaymentRemarks
New and Used Auto and MotorcycleAs Low As 3.04%Terms are flexible.Rates are based on term and overall credit history.
New and Used ATV, Snowmobiles, Boats, Motor Homes, Travel TrailersAs Low As 4.94%Terms are flexible.Rates are based on term and overall credit history.

Loan rates are determined by each member’s overall credit history. All rates and terms are subject to change. APR = Annual Percentage Rate. Credit lines are based on credit worthiness and are subject to approval.

Share Accounts

Joining Sunmark is easy! If you live, work, worship, attend school, own a business, or volunteer in Albany, Rensselaer, Saratoga, Schenectady, Schoharie and Montgomery counties of New York, you’re eligible!

Learn More About Joining Sunmark »

Account TypeRate APYMinimum Balance to Earn Dividend
Membership Savings Plan0.05%$0.01
Youth Savings0.20%$0.01
Silver Savings Plan0.05%$0.01
Special Event Savings Plan0.10%$0.01
Regular IRA Share Savings*0.10%$0.01
Regular IRA Share Savings*0.20%$10,000
Regular IRA Share Savings*0.45%$40,000

Money Market Accounts

Account TypeRate APYMinimum Balance to Earn Dividend
Money Market Account0.10%$500
Money Market Account0.15%$25,000
Money Market Account0.25%$100,000
Investor Money Market Account0.45%$5,000 ^
Premiere Investor Money Market Account0.95%$5,000
Bronze Money Market Account0.20%$25,000 - $99,999
Bronze Money Market Account0.25%$100,000 - $149,999
Bronze Money Market Account0.30%$150,000 - $199,999
Bronze Money Market Account0.50%$200,000+

^ Investor Money Market Account: In addition to a Sunmark membership, members must have an investment relationship with Sunmark’s Member Investment Services of $25,000 or more to qualify. ?

Premium Investor Money Market Account: In addition to a Sunmark membership, members must have an investment relationship with Sunmark’s Member Investment Services of $100,000 or more to qualify.

+ Bronze Money Market Account: In addition to a Sunmark membership, members must meet minimum balance requirement OR have a total relationship with Sunmark of $25,000 or more to qualify.

Certificates

Account TypeRate APYTermMinimumRemarks
Regular Share Certificate **0.10%90 Days$500Additional Deposits Permitted
Regular Share Certificate **0.10%6 Months$500Additional Deposits Permitted
Regular Share Certificate **0.15%1 Year$500Additional Deposits Permitted
Regular Share Certificate **1.50%18 months$150,000+No Additional Deposits Permitted
Regular Share Certificate **0.35%2 Years$500Additional Deposits Permitted
Regular Share Certificate **0.50%3 Years$500Additional Deposits Permitted
Regular Share Certificate **0.65%4 Years$500Additional Deposits Permitted
Regular Share Certificate **0.80%5 Years$500Additional Deposits Permitted
IRA Share Certificate **0.15%1 Year$500Additional Deposits Permitted
IRA Share Certificate **1.50%18 months$150,000+No Additional Deposits Permitted
IRA Share Certificate **0.35%2 Years$500Additional Deposits Permitted
IRA Share Certificate **0.50%3 Years$500Additional Deposits Permitted
IRA Share Certificate **0.65%4 Years$500Additional Deposits Permitted
IRA Share Certificate **0.80%5 Years$500Additional Deposits Permitted

All rates and terms are subject to change without notice. For current rates call (866) SUNMARK. Please refer to your Terms and Disclosures or contact any Sunmark FCU employee for more detailed savings information.

APY = Annual Percentage Yield. Earnings may be reduced if fees are incurred.

* A penalty may be imposed for early withdrawal.

** Certificate Renewal Policy: Share certificates automatically renew at the time of maturity. Sunmark will provide 30 days notice prior to the maturity date. If you do not contact Sunmark on or before the maturity date, the account will renew for the term stated, at the rate current at the time of renewal. For certificates with maturities of greater than 90 days, you will have a 10-day grace period after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty. A penalty may be imposed for early withdrawal.

  + Call for rates for balances under $150,000.

Checking Accounts

Banking with Sunmark is easy! Learn More About Banking with Sunmark »

Account TypeRate APYMinimum Balance to Earn Dividend
Earnings Checking0.05%$750
Totally Free Checking0%Dividend Not Available
Student Checking0%Dividend Not Available

Interested in more information about a mortgage from Sunmark? Contact one of our mortgage originators today for more information!

Natalie Falk: (518) 730-9028
Joanne Gomula: (518) 730-9072
Dave DeLuca: (518) 368 -6944
Bill Green: (518) 588-6667
Carolyn Henzel: (518) 265-2320
Liz Jacobsen: (518) 730-9064
Amanda St. George: (518) 730-9141
Rick Solosky: (518) 730-9023
Lindsay Tedesco: (518) 730-9035