What Types of Loans Does SUN Credit Union Offer?

SUN Credit Union (suncu.org) offers vehicle loans, home loans, personal loans, and credit cards, plus related services like car-buying assistance and loan payment options. The right fit depends on what you're financing: a car, a home, or an unsecured personal expense. Below is the full lineup as listed on its site, organized by category.

Vehicle Loans

These cover most motorized purchases, not just cars:

• Auto Loans — the core vehicle financing product.
• DrivingSense — described as a lease alternative, for members who want lower monthly payments without a traditional lease.
• Boat Loans
• Motorcycle Loans
• RV Loans

SUN also promotes a car-buying service: you can search vehicles online and finance through the credit union in one place. A CARFAX Vehicle History Report is offered as part of its car-buying services, useful for checking a used vehicle's background before you commit.

One current promotion noted on the site: an End-of-Summer Car Sale with a rate of 4.49% APR for 72 months, extended "virtually" due to demand. Rates change, so confirm the current figure on the site's Vehicle Loan Rates page before applying.

Home Loans

For property financing and tapping home equity:

• HELOC (Home Equity Line of Credit)
• Mortgage Loans
• Home Equity Loans
• Mortgage Refinance

If you already own a home and want to borrow against it, the HELOC or Home Equity Loan routes apply; if you're buying or refinancing, look at the mortgage products.

Personal Loans and Credit Cards

For non-vehicle, non-home borrowing:

• Personal Loans — unsecured borrowing for general expenses.
• Share Secured Loan — secured by your savings, typically for building credit or getting a lower rate.
• Life$aver Loan — a SUN-specific personal loan product.
• Credit Cards — Visa Platinum Rewards and Visa Platinum Secured. The secured version is aimed at members building or rebuilding credit.

Loan Services and Repayment Options

Beyond originating loans, SUN offers tools for managing them:

• Make a Loan Payment — pay an existing loan.
• Skip A Payment — a formal option to defer a payment (eligibility rules apply; ask the credit union).
• Loan Protection Products — insurance-style protection tied to your loan.
• Calculators — auto loan, credit, retirement, savings, and mortgage calculators to estimate payments before applying.

How to Decide Which Loan Fits

Before You Apply

Check the Rates section (Deposit Yields, Vehicle Loan Rates, Personal Loan Rates, Home Loan Rates, Credit Card Rates) for current terms, since promotional rates like the 4.49% APR auto offer are time-limited. Membership is required to borrow, so confirm eligibility and join first if you're not already a member. For guidance on debt, budgeting, or credit, SUN points members to free counseling through GreenPath Financial Wellness.