rates

Being a SunWest Credit Union member, you have access to some of the most competitive loan and account rates.

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auto loan rates

Actual rate will be determined by your Experian FICO 2 Credit Score.

(model years 2024 + newer)

new + used

Term
apr* as low as
payment per $1000 borrowed
36 months
6.59%
$30.69
48 months
6.84%
$23.87
60 months
6.84%
$19.73
72 months1
7.34%
$17.21
84 months2
8.04%
$15.61

used

(model years 2023 + older)
Term
apr* as low as
payment per $1000 borrowed
36 months
7.37%
$31.05
48 months
7.37%
$24.12
60 months3
7.37%
$19.98
72 months1
7.89%
$17.48
84 months2
8.61%
$15.89
More about Auto Loans
auto loan rateS AS OF january 1, 2025

certificate of deposit rates

The Certificate of Deposit Dividend Rate and Annual Percentage Yield (APY) as set forth below, are fixed rates and will be in effect for the term of the account. Dividend paid monthly. A penalty may be imposed for early withdrawal.

$500.00 to $49,999.99

Term
apy**
dividend rates
6 months
4.07%
4.00%
12 months
4.07%
4.00%
24 months
3.56%
3.50%
36 months
3.56%
3.50%
60 months
3.56%
3.50%

$50,000.00 to $99,999.99

Term
apy**
dividend rates
6 months
4.07%
4.00%
12 months
4.07%
4.00%
24 months
3.56%
3.50%
36 months
3.56%
3.50%
60 months
3.56%
3.50%

$100,000.00 + up

Term
apy**
dividend rates
6 months
4.07%
4.00%
12 months
4.07%
4.00%
24 months
3.56%
3.50%
36 months
3.56%
3.50%
60 months
3.56%
3.50%
More about certificates
certificate rates as of february 7, 2025

credit card rates

Actual rate will be determined by your Experian FICO 2 Credit Score.

account type
term
apr*
MasterCard® Classic
revolving
14.90%
MasterCard® secured
revolving
7.90%
MasterCard® Rewards
revolving
9.99%4
more about sunwest credit cards
credit card rates as of January 1, 2025

rv loan rates

Includes: Motorhome, 5th Wheel, Travel Trailer, Toy Haulers, Cab-Over Camper, and Pop-Up Camper. Actual rate will be determined by your Experian FICO 2 Credit Score.

new

(model years 2024 + newer)
Term
apr* as low as
payment per $1000 borrowed
60 months
9.00%
$21.00
72 months3
9.50%
$18.00
84 months7
10.00%
$17.00
120 months2
10.50%
$13.00

used

(model years 2014 to 2023)
Term
apr* as low as
payment per $1000 borrowed
60 months
9.50%
$21.00
72 months3
10.00%
$19.00
84 months7
10.50%
$17.00
120 months2
11.00%
$14.00
more about RV loans
recreational vehicle loan rates as of january 1, 2025

home loan rates

Actual rate will be determined by your Experian FICO 2 Credit Score.

first mortgage refinance

Max loan-to-value: 80%
Available terms: 120, 180, 240, 360 months
‍
For current rates, give us a call:

LOCAL:
602.866.1129
TOLL-FREE
1.866.533.4133

second mortgages

(accepted loan-to-value ranges between 50%-80%5)
Term
apr* as low as
payment per $1000 borrowed
up to 50% loan-to-value
Up to 180 months
6.74%
$8.84
up to 60% loan-to-value
Up to 180 months
6.74%
$8.84
up to 70% loan-to-value
Up to 180 months
6.99%
$8.98
up to 80% loan-to-value
Up to 180 months
7.24%
$9.12

open-end heloc

(home equity line of credit)
loan type
term
apr*
Revolving up to 80% Loan-to-value5
5 year draw period; 10 year repayment period
Variable Rates6
first mortgage refisecond mortgageHELOC
real estate loan rates as of january 10, 2025

savings rates

The Variable Dividend Rate and Annual Percentage Yield (APY) as set forth below, are subject to change without notice and are prospective rates as of the date shown below.

account type
apy*
dividend rates
Primary Savings Account8
0.10%
0.10%
Sub-Accounts
0.10%
0.10%
Money Market9
$1,000.00 to $9,999.99
1.16%
1.15%
$10,000.00 to $24,999.99
1.31%
1.30%
$25,000.00 to $49,999.99
1.56%
1.55%
$50,000.00 to $99,999.99
1.81%
1.80%
$100,000.00 to $249,999.99
2.17%
2.15%
$250,000+
2.43%
2.40%
IRA Account (Traditional + Roth)
1.00%
1.00%
COMPARE SAVINGS OPTIONS
savings rates as of January 17, 2025

motorcycle + utv loan rates

Includes: Motorcycle, Scooter, Side x Side, Spider, Slingshot, + Dirt Bike. Actual rate will be determined by your Experian FICO 2 Credit Score.

new + used

(model years 2024 + newer)
Term
apr* as low as
payment per $1000 borrowed
36 months
8.19%
$31.19
48 months
8.49%
$24.24
60 months
8.74%
$20.39
72 months1
8.99%
$17.77
84 months7
9.19%
$15.93

used

(model years 2018 to 2023)
Term
apr* as low as
payment per $1000 borrowed
36 months
8.65%
$32.00
48 months
8.94%
$25.00
60 months
9.24%
$21.00
72 months1
9.49%
$18.00
more about motorcycle + utv loans
motorcycle + utv loan rates as of january 1, 2025

CHECKING rates

The Variable Dividend Rate and Annual Percentage Yield (APY) as set forth below, are subject to change without notice and are prospective rates as of the date shown below.

account type
apy**
dividend rates
Free Checking Account
0.00%
0.00%
Premier Checking Account9
0.05%
0.05%
MORE ABOUT CHECKING
checkings rates as of January 1, 2025

personal loan rates

Actual rate will be determined by your Experian FICO 2 Credit Score.

Term
apr* as low as
payment per $1000 borrowed
up to 60 months
10.99%
$21.74
revolving Line of Credit
(.25% discount with net pay)
15.50%
call for quote
more about personal loans
personal loan rates as of january 1, 2025

SECURED LOAN rates

loan type
term
apr*
MasterCard® secured credit card
Revolving
7.90%
savings secured
1 - 24 months
2% above dividend rate
Certificate
6 months -Certificate maturity
2% above dividend rate
Credit Builder
6 - 24 months
2% above dividend rate
more about secured loans
secured loan rates as of january 1, 2025

watercraft + atv loan rates

Includes: Boat, Wave Runner, Sea-Doo, Jet Ski, Quad, and Other ATV. Actual rate will be determined by your Experian FICO 2 Credit Score.

new

(model years 2024 + newer)
Term
apr* as low as
payment per $1000 borrowed
60 months
9.00%
$21.00
72 months3
9.50%
$18.00
84 months7
10.00%
$17.00
120 months2
10.50%
$13.00

used

(model years 2014 to 2023)
Term
apr* as low as
payment per $1000 borrowed
60 months
9.50%
$21.00
72 months3
10.00%
$19.00
84 months7
10.50%
$17.00
120 months2
11.00%
$14.00
more about watercraft + atv loans
watercraft + atv loan rates as of january 1, 2025

we care, you save

Don't miss out on taking advantage of our limited-time promotions! SunWest frequently promotes exclusive rates so our members can focus on spending their money where they want, not just on interest. Call or visit our promotions page to learn more.

602.866.1100PROMOTIONS, PLEASE!

*APR = Annual Percentage Rate. **APY = Annual Percentage Yield. ***LTV = Loan to Value.

Max loan amount $150,000. Rates subject to change at any time.

1 For loans exceeding $12,000. 2 For loans exceeding $25,000. 3 For loans exceeding $10,000. 4 Rates as low as 9.99% APR. 5 Loan to Value less any encumbrances. 6 Subject to Change (1% every 6 month maximum and 2% per year maximum). Prime Rate per Wall Street Journal; minimum 8.00%. 7 For Loans Exceeding $15,000. 8 $5 minimum to earn dividends. 9 $1,000 minimum to earn dividends.