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Rates

Personal Savings and Money Market
Personal CD and IRA Rates
Personal Relationship Rates
Personal Loan Rates
Business Account Rates

Deposit Rates Effective: 11/26/13
General Information for Deposit Products

Rates subject to change without notice.
Fees may reduce earnings.
APY = Annual Percentage Yield

Personal Savings and Money Market
Product Name Interest Rate APY Balance Required to Obtain Stated APY
High Interest Paperless e-Savings (HIP) (Requires a Boomerang or Classic Checking account)

This account is available for online account opening only. Minimum deposit to open the account $25.
 0.85 0.85 $.01 to $2,499.99
   0.85 0.85 $2,500 to $49,999.99
   0.85 0.85 $50,000 to $149,999.99
   0.85 0.85 $150,000 to $250,000
   0.45 0.45 $250,000.01 and over
Basic Savings Account

There is no minimum deposit to open this account at the branch. $25 minimum deposit required to open this account online.

$300 minimum daily balance to avoid $7 monthly maintenance fee.
 0.05 0.05 $0.01 to $4,999.99
   0.15 0.15 $5,000 to $24,999.99
   0.20 0.20 $25,000 and over
Basic Money Market Account

There is no minimum to open this account at the branch. There is a $25 minimum deposit required to open this account online.

$1,500 minimum daily balance to avoid $15 monthly maintenance fee.
 0.05 0.05 $0.01 to $4,999.99
   0.15 0.15 $5,000 to $24,999.99
   0.20 0.20 $25,000 and over
Auto Debit Club Account

There is no minimum deposit required to open this account.
 0.20 0.20 $0.01 and over
Young Savers Account

There is no minimum deposit required to open this account.
 0.15 0.15 $0.01 to $999.99
   0.15 0.15 $1,000.00 and over
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Personal CD and IRA Rates
Product Name Interest Rate APY Minimum Opening Balance Required
7-29 Day CD  0.05 0.05 $500
30-91 Day CD  0.05 0.05 $500
92-181 Day CD  0.05 0.05 $500
182-364 Day CD  0.10 0.10 $500
8 Month Promo CD (Requires a new or existing checking account)  0.40 0.40 $500
18 Month Promo CD (Requires a new or existing checking account)  0.55 0.55 $500
12-23 Month CD  0.35 0.35 $500
24-35 Month CD  0.45 0.45 $500
36-47 Month CD  0.75 0.75 $500
48-59 Month CD  0.75 0.75 $500
60 Month CD  1.05 1.05 $500
Sun Power CD (18 Months)  0.05 0.05 $500
Sun Rise CD (18 Months)  0.10 0.10 $500
Sun Growth IRA  0.10 0.10 $25
Maximum of $250,000 on CDs. A CD penalty will be imposed for early withdrawal.

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Personal Relationship Rates
Product Name Interest Rate APY Balance Required to Obtain Stated APY
Maximum Interest Checking Account

There is no minimum balance required to open this account at the branch.
There is a $25 minimum deposit required to open this account online.
 0.00 0 $0.01 to $4,999.99
   0.05 0.05 $5,000 to $24,000
   0.15 0.15 $25,000 to $49,999.99
   0.15 0.15 $50,000 to $249,999.99
   0.30 0.30 $250,000 and over
Maximum Money Market Account (Requires a Max checking account)

There is no minimum balance required to open this account at the branch. There is a $25 minimum deposit required to open this account online.
 0.10 0.10 $0.01 to $4,999.99
   0.15 0.15 $5,000 to $24,999.99
   0.15 0.15 $25,000 to $49,999.99
   0.30 0.30 $50,000 and over
Maximum Savings Account (Requires a Max checking account)

There is no minimum balance required to open this account at the branch. There is a $25 minimum deposit required to open this account online.
 0.10 0.10 $0.01 to $4,999.99
   0.15 0.15 $5,000 to $24,999.99
   0.15 0.15 $25,000 to $49,999.99
   0.30 0.30 $50,000 and over
Kapow Checking Account

There is no minimum balance required to open this account at the branch. There is a $25 minimum deposit required to open this account online.

$2,500 minimum daily balance to avoid $25 monthly maintenance fee.
 0.00 0.00 $0.01 to $2,499.99
   0.30 0.30 $2,500 and over
SunRay Money Market Account (Requires a Kapow or Bank@Work checking account)

There is no minimum balance required to open this account. There is a $25 minimum deposit required to open this account online.
 0.10 0.10 $0.01 to $4,999.99
   0.15 0.15 $5,000 to $24,999.99
   0.20 0.20 $25,000 and over
SunRay Savings Account
(Requires a Kapow or Bank@Work checking account)


There is no minimum balance required to open this account. There is a $25 minimum deposit required to open this account online.
 0.10 0.10 $0.01 to $4,999.99
   0.10 0.10 $5,000 to $24,999.99
   0.15 0.15 $25,000 and over
      Minimum Opening Balance Required
7-29 Day CD  0.30 0.30 $500
30-91 Day CD  0.30 0.30 $500
92-181 Day CD  0.30 0.30 $500
182-364 Day CD  0.35 0.35 $500
8 Month Promo CD (Requires a new or existing checking account)  0.65 0.65 $500
18 Month Promo CD (Requires a new or existing checking account)  0.80 0.80 $500
12-23 Month CD  0.60 0.60 $500
24-35 Month CD  0.70 0.70 $500
36-47 Month CD  1.00 1.00 $500
48-59 Month CD  1.00 1.00 $500
60 Month CD  1.30 1.31 $500
Sun Power CD (18 Months)  0.30 0.30 $500
Sun Rise CD (18 Months)  0.35 0.35 $500
Sun Growth IRA  0.35 0.35 $25
Maximum of $250,000 on CDs. A CD penalty will be imposed for early withdrawal.
A qualifying checking account is required to receive Savings, Money Market and CD rates.


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Personal Loan Rates
   
Product Name Term Min Loan Amount/ Max Loan Amount Pricing (with Automatic Payment Debit from a Sun Checking account) Pricing (with Coupon Book)
Cash to Spare/ Overdraft Protection Revolving Line of Credit 36 Month Rev $1,000 - $5,000 15.00% APR N/A
Product Name Line of Credit Pricing with automatic payment debit from a Sun Checking account) Pricing (with a billing statement)  
Home Equity Line of Credit Tier 1 Pricing
Minimum amount $50,000
PRIME
PLUS 0.00% currently, 3.25% APR1
Add 0.50% to Automatic Payment Debit APR shown to left N/A
Home Equity Line of Credit Standard Pricing
Minimum amount $10,000
PRIME
PLUS 0.50%, currently 3.75% APR2
PRIME
PLUS 1.00
4.25% APR2
N/A
Home Equity Line of Credit Promo Offer Promo pricing
Minimum amount $10,000
0.99% APR3 fixed for first 5 billing cycles, then a variable rate of PRIME PLUS 0.50%, currently 3.75% APR N/A N/A
Home Equity Line of Credit Promo Offer 3 year fixed rate, then variable rate pricing Minimum amount $10,000 3.49% APR4 for first 3 years, then a variable rate of PRIME PLUS 0.50%, currently 3.75% APR N/A N/A
Home Equity Line of Credit Promo Offer 5 year fixed rate, then variable rate pricing
Minimum amount $10,000
3.99% APR5 for first 5 years, then a variable rate of PRIME PLUS 0.50%, currently 3.75% APR N/A N/A
Product Name Term Minimum New Advance/Money Amount Pricing (with Automatic Debit from a Sun Checking Account) Pricing (with Coupon Book)
Home Equity Fixed-Rate Loan  60 Months (5-Year term) $5,000 + 3.99% APR Add 0.50% to Automatic Payment Debit APR shown at left
  120 Months (10-Year Term) $25,000 + 5.49% APR Add 0.50% to Automatic Payment Debit APR shown at left
   180 Months (15-Year Term) $25,000 + 5.49% APR Add 0.50% to Automatic Payment Debit APR shown at left
Ask about other rates and terms
We also offer auto loans, boat loans, CD- Secured Loans. Ask for details

General Information for all Loans and Lines of Credit:
Rates are effective 3/3/14.

Rates, terms and conditions are subject to change without prior notice.

All loans subject to credit approval.

A $50.00 fee will be charged for all loans that require re-documentation for change of settlement date.



Cash-to-Spare /Overdraft Protection Revolving Line of Credit:
Fixed interest rate.
 
Minimum Loan Amount: $1,000    Maximum Loan Amount: $5,000
 
Automatic overdraft advance charge: $10 per transaction


Home Equity Line of Credit (HELOC) Disclosures:
Home Equity Line of Credit Rates are variable and based on The Wall Street Journal (WSJ) Prime Rate,  currently 3.25%.  Annual Percentage Rate (APR).  Maximum APR 18%. All Home Equity Lines of Credit (HELOCs) have a $50 annual fee, require a $10,000 minimum advance at loan closing, and are subject to a $200 early termination fee if account is closed within 2 years. Property Insurance will be required. Flood insurance may be required. Subject to approval requirements.

Your APR may be higher based on loan-to-value, property type and whether you elect the automatic payment debit feature from a Sun checking account.

Owner-occupied, primary residence properties: Maximum 80% LTV

Non-owner occupied second homes and investment properties: maximum LTV 75% and rates increase by 50 basis points.


Title insurance is required on lines of $250,000 or more.

1Tier 1 pricing HELOCs have a rate floor of 3.25% APR 
2Standard pricing HELOCs may show a rate floor of 3.75% APR
3
Promotional offer applies to owner-occupied primary residence properties only. Maximum 80%LTV. Principal & Interest payments only.  Advertised Introductory rate of 0.99% APR (Annual Percentage Rate) applies to new lines of credit with a minimum line amount of $10,000 and an automatic deduction of payment from a Sun National Bank checking account. Maximum line amount $250,000. An initial $10,000 advance is required at closing. Introductory rate of 0.99% is for the first 5 monthly billing cycles after the closing date. After the expiration of the 5 monthly billing cycles, the go-to rate will be based on The Wall Street Journal Prime Rate (Prime), currently 3.25% APR as of 2/28/14, plus .50%, subject to a 3.75% minimum floor APR. Other rates and offers may be available. Offer subject to approval requirements. APR may increase if Sun Checking account is closed and automatic payment debit is discontinued. $50 annual fee will be assessed. $200 early termination fee assessed if account is closed within 2 years. The Maximum APR is 18%. The offer and disclosed rates are effective as of 3/3/14 and may change without notice. Flood Insurance may be required. Property Insurance is required. Property must be located in the Sun National Bank service area. Rates, terms and conditions can be modified or withdrawn at any time without prior notice. Ask your tax advisor regarding possible tax benefits.
4Promotional offer applies to owner-occupied primary residence properties only. Maximum 80%LTV. Principal &Interest payments only. Advertised offer is for a Home Equity Line of Credit with an initial 3-Year fixed rate period at 3.49% APR (Annual Percentage Rate).  After the initial 3-Year fixed rate period, your rate will be variable based on The Wall Street Journal Prime Rate (Prime), currently at 3.25% as of 2/28/14, plus .50%, subject to a 3.75% minimum floor APR. New Lines of Credit only with a minimum line amount of $10,000 and automatic payment debit from a Sun National Bank checking account. Maximum line amount $250,000.  Minimum draw of $10,000 required at closing. Offer is for new lines only and subject to approval requirements. Other rates and offers may be available. APR may increase if Sun checking account is closed and automatic payment debit is discontinued. $50 annual fee will be assessed. $200 early termination fee assessed if account is closed within 2 years. $150 closing fee is waived. The Maximum APR is 18%. The offer and disclosed rates are effective as of 3/3/14 and may change without notice. Flood Insurance may be required. Property Insurance is required. Property must be located in the Sun National Bank service area.  Rates, terms and conditions can be modified or withdrawn at any time without prior notice. Ask your tax advisor regarding possible tax benefits.

5
Promotional offer applies to owner-occupied primary residence properties only. Maximum 80%LTV. Principal &Interest payments only.   Advertised offer is for a Home Equity Line of Credit with an initial 5-Year fixed rate period at 3.99% APR (Annual Percentage Rate). After the initial 5-Year fixed rate period, your rate will be variable based on The Wall Street Journal Prime Rate (Prime), currently at 3.25% as of 2/28/14, plus .50%, subject to a 3.75% minimum floor APR.    New Lines of Credit only with a minimum line amount of $10,000 and automatic payment debit from a Sun National Bank checking account. Maximum line amount $250,000.  Minimum draw of $10,000 required at closing. Offer is for new lines only  and subject to approval requirements. Other rates and offers may be available. APR may increase if Sun checking account is closed and automatic payment debit is discontinued. $50 annual fee will be assessed. $200 early termination fee assessed if account is closed within 2 years. $150 closing cost is waived. The Maximum APR is 18%. The offer and disclosed rates are effective as of 3/3/14 and may change without notice. Flood Insurance may be required. Property Insurance is required. Property must be located in the Sun National Bank service area.  Rates, terms and conditions can be modified or withdrawn at any time without prior notice. Ask your tax advisor regarding possible tax benefits.

Home Equity Fixed Rate Loans:
Your APR may be higher based on loan-to-value, property type and whether you elect the automatic payment feature from a Sun checking account.

Owner-occupied, primary residence properties: Maximum 80% LTV

Non-owner occupied second homes and investment properties: maximum LTV 75% and rates increase by 50 basis points.

Property Insurance required. Flood insurance may be required.

Your payments and payment examples do not include taxes or insurance premiums.
Your payment obligation will be higher.

Title insurance is required on lines of $250,000 or more.

Product Name                # of Payments Current APR Monthly Payment Example
60 Months (5-Year Term)  60 3.99% APR $18.41 per $1,000 borrowed
120 Months (10-Year Term)  120 5.49% APR $10.85 per $1,000 borrowed
180 Months (15-Year Term) 180 5.49% APR $8.17 per $1,000 borrowed
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Business Account Rates
Product Name Interest Rate APY Minimum Required
Basic Business Money Market  0.07 0.07 $0.01 - $99,999.99
   0.15 0.15 $100,000 to $249,999.99
   0.20 0.20 $250,000 and over
C4 Business Money Market Account (C4 Business Power or The Professional Checking required)  0.15 0.15 $0.01 to $99,999.99
   0.20 0.20 $100,000 to $249,999.99
   0.30 0.30 $250,000 and over
Business Performance Money Market Account (for commercial customers only, new money required)  0.15 0.15 $0.01-$250,000
   0.30 0.30 $250,000 and over
Sun Interest Checking Non-Personal  0.05 0.05 $500 to $999.99
   0.05 0.05 $1,000 and over
C4 Business Savings Account  0.10 0.10 $0.01 - $99,999.99
   0.10 0.10 $100,000 to $249,999.99
   0.15 0.15 $250,000 and over
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