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Rates
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Personal CD and IRA Rates
Maximum of $250,000 on CDs. A CD penalty will be imposed for early withdrawal.
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Personal Relationship Rates
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
General Information for all Loans and Lines of Credit:
Rates are effective 3/31/13.
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.
Personal Unsecured Loan
Minimum Loan Amount:$1,000
Maximum Loan Amount:$5,000
Cash-to-Spare /Overdraft Protection Revolving Line of Credit:
Fixed interest rate.
Minimum Loan Amount: $1,000 Maximum Loan Amount: $2,500
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 $250 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.
1Tier 1 pricing HELOCs have a rate floor of 3.25% APR
2Standard pricing HELOCs may show a rate floor of 3.75% APR
3Promotional 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 3/31/13, 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. $250 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 3/31/13 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 3/31/13, 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. $250 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 3/31/13 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.
5Promotional 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 3.74% 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 3/31/13, 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. $250 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 3/31/13 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.
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Business Account Rates
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Personal Savings and Money Market
Personal CD and IRA Rates
Personal Relationship Rates
Personal Loan Rates
Business Account Rates
| Product Name | Interest Rate | APY | Minimum Required |
| High Interest Paperless e-Savings (HIP) (Available with a Boomerang or Classic Checking account) | 0.95 | 0.95 | $.01 to $2,499.99 |
| 0.95 | 0.95 | $2,500 to $49,999.99 | |
| 0.95 | 0.95 | $50,000 to $149,999.99 | |
| 0.95 | 0.95 | $150,000 to $250,000 | |
| 0.50 | 0.50 | $250,000.01 and over | |
| Basic Savings Account | 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 | 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 | 0.25 | 0.25 | $0.01 and over |
| Young Savers Account | 0.20 | 0.20 | $0.01 to $999.99 |
| 0.20 | 0.20 | $1,000.00 and over |
Personal CD and IRA Rates
| Product Name | Interest Rate | APY | Minimum 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 |
| 3 Month Promo CD | 0.10 | 0.10 | $500 |
| 9 Month Promo CD (Available with any new or existing checking account) | 0.50 | 0.50 | $500 |
| 12-23 Month CD | 0.50 | 0.50 | $500 |
| 24-35 Month CD | 0.60 | 0.60 | $500 |
| 36-47 Month CD | 0.90 | 0.90 | $500 |
| 48-59 Month CD | 0.90 | 0.90 | $500 |
| 60 Month CD | 1.20 | 1.20 | $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 |
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Personal Relationship Rates
| Product Name | Interest Rate | APY | Minimum Required |
| Max Interest Checking Account - Promo Offer (new customers) | 0.25 | 0.25 | $0.01 to $4,999.99 |
| 0.40 | 0.40 | $5,000 and over | |
| Max Interest Checking Account | 0.15 | 0.15 | $5,000 to $24,999.99 |
| 0.25 | 0.25 | $25,000 to $49,999.99 | |
| 0.25 | 0.25 | $50,000 to $249,999.99 | |
| 0.45 | 0.45 | $250,000 and over | |
| Max Money Market Account (Available with a Max checking account) | 0.20 | 0.20 | $0.01 to $4,999.99 |
| 0.25 | 0.25 | $5,000 to $24,999.99 | |
| 0.25 | 0.25 | $25,000 to $49,999.99 | |
| 0.45 | 0.45 | $50,000 and over | |
| Max Savings Account (Available with a Max checking account) | 0.20 | 0.20 | $0.01 to $4,999.99 |
| 0.25 | 0.25 | $5,000 to $24,999.99 | |
| 0.25 | 0.25 | $25,000 to $49,999.99 | |
| 0.45 | 0.45 | $50,000 and over | |
| Kapow Checking Account | 0.00 | 0.00 | $0.01 to $2,499.99 |
| 0.40 | 0.40 | $2,500 and over | |
| SunRay Money Market Account (Available with a Kapow or Bank@Work checking account) | 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 (Available with a Kapow or Bank@Work checking account) |
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 | |
| 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 |
| 3 Month Promo CD | 0.35 | 0.35 | $500 |
| 9 Month Promo CD (Available with any new or existing checking account) | 0.75 | 0.75 | $500 |
| 12-23 Month CD | 0.75 | 0.75 | $500 |
| 24-35 Month CD | 0.85 | 0.85 | $500 |
| 36-47 Month CD | 1.15 | 1.15 | $500 |
| 48-59 Month CD | 1.15 | 1.15 | $500 |
| 60 Month CD | 1.45 | 1.46 | $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 |
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) |
| Personal Unsecured | 12-36 Months | $1,000 - $5,000 | 11.00% APR | Add 0.50% to Automatic Payment Debit shown to left |
| Cash to Spare/ Overdraft Protection Revolving Line of Credit | 36 Month Rev | $1,000 - $2,500 | 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 |
3.74% 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 3/31/13.
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.
Personal Unsecured Loan
Minimum Loan Amount:$1,000
Maximum Loan Amount:$5,000
| Loan Term | # of Payments | Current APR | Monthly Payment Example |
| 12 Months (1-Year Term) | 12 | 11.00% APR | $88.37 per $1,000 borrowed |
| 24 Months (2-Year Term) | 24 | 11.00% APR | $46.60 per $1,000 borrowed |
| 36 Months (3-Year Term) | 180 | 11.00% APR | $32.73 per $1,000 borrowed |
Cash-to-Spare /Overdraft Protection Revolving Line of Credit:
Fixed interest rate.
Minimum Loan Amount: $1,000 Maximum Loan Amount: $2,500
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 $250 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.
1Tier 1 pricing HELOCs have a rate floor of 3.25% APR
2Standard pricing HELOCs may show a rate floor of 3.75% APR
3Promotional 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 3/31/13, 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. $250 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 3/31/13 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 3/31/13, 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. $250 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 3/31/13 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.
5Promotional 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 3.74% 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 3/31/13, 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. $250 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 3/31/13 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.
| 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 |
Business Account Rates
| Product Name | Interest Rate | APY | Minimum Required |
| Basic Business Money Market | 0.10 | 0.10 | $0.01 - $99,999.99 |
| 0.20 | 0.20 | $100,000 to $249,999.99 | |
| 0.30 | 0.30 | $250,000 and over | |
| C4 Business Money Market Account (C4 Business Power or The Professional Checking required) | 0.20 | 0.20 | $0.01 to $99,999.99 |
| 0.30 | 0.30 | $100,000 to $249,999.99 | |
| 0.45 | 0.45 | $250,000 and over | |
| Business Performance Money Market Account (for commercial customers only, new money required) | 0.20 | 0.20 | $0.01-$250,000 |
| 0.35 | 0.35 | $250,000 and over | |
| Sun Interest Checking Non-Personal | 0.10 | 0.10 | $500 to $999.99 |
| 0.10 | 0.10 | $500 to $999.99 | |
| C4 Business Savings Account | 0.20 | 0.20 | $0.01 - $99,999.99 |
| 0.20 | 0.20 | $100,000 to $249,999.99 | |
| 0.30 | 0.30 | $250,000 and over |
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