New & Used Automobiles

¹APR = Annual Percentage Rate. Non-variable rate loans, 100% financing available including tax, title, license and extended warranties. Available rate is based on credit history, model year, mileage, and loan term. Actual rate may be higher than rates listed here. “As low as” rates assume excellent borrower credit history. Not all applicants will qualify for the lowest rate. All loans subject to credit approval. Rates subject to change without notice. Vehicles from the current or two previous model years and mileage =<25,000 qualify for new car rates.

Other Vehicles

³ Fixed-rate loan; rates offered subject to change; not everyone will qualify for lowest rate. Available rate is based on credit history and location, and term and rate may be higher than rate(s) listed here. All loans subject to credit approval. Term based on amount financed.

Business Money Maker Account

Business Money Maker Accounts cannot be used for courtesy pay or bill payments in Sunward online and mobile banking.

¹Dividend rate and APY may change at the discretion of the Board of Directors.
²APY = Annual Percentage Yield. DR = Dividend rate. APY applies if dividends are not withdrawn during the term. Share accounts are federally insured to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the U S. Government. Yields are determined at the time of investment. Membership required.|

Credit Cards

¹ APR = Annual Percentage Rate. No penalty APR. $5 cash advance fee, 1% international transaction fee. Up to $25 late payment fee, up to $25 over-the-credit-limit fee, up to $25 returned payment fee. Check with Sunward for additional details.

7/1 Adjustable Rate Mortgages

APR = Annual Percentage Rate. Rate and payments adjust once every year after the first 7 years. Rate is variable and can increase by no more than 3.50% at the first adjustment and by no more than 2.00% at each 1-year adjustment with a lifetime cap of 5.00%.

Valid for adjustable rate first mortgages for owner occupied properties. Construction loans are excluded from this offer. Up to 97% maximum loan-to-value for first-time homebuyers, 95% loan-to-value for all other purchases. Rate for the remaining term adjusts once every year after the first 7 years and is based on the then-current index plus margin, rounded to the nearest eighth of a percentage point, and subject to the floor rate of 4.00%. Index is the one-month average yield of the 10-Year Treasury Note. Rates subject to change; check with Sunward for current rates. Available rate based current credit history. Not everyone will qualify for the lowest rate. Third party fees may apply in certain circumstances. Additional fees may apply outside New Mexico. Survey fee may be required. You will receive an estimate of closing costs when you apply. Consult your tax advisor regarding the deductibility of interest. You must insure the property that secures the loan. Fees subject to change without notice. If loan does not close, fees incurred will be charged to the member. APR Calculations are based on the following loan amounts: Non-Jumbo: $180,000, Jumbo loan conforming limit: $806,500, Jumbo loan limit for high-cost areas (including California and Colorado): $1,209,750. All loans subject to credit approval. Contact Sunward for details.

¹ Since the index in the future is unknown, the Current Calculation of the Rate for the Remaining Term displayed is based on the current index plus margin (fully indexed rate) as of the date above, subject to the floor rate of 4.00%

² For loans over $766,550

15/15 Adjustable Rate Mortgages

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APR = Annual Percentage Rate. Rate and payments adjust only once at 15 years. Rate is variable and can increase by no more than 6.00% at the 15 year adjustment.

Valid for adjustable rate first mortgages for owner occupied properties. Construction loans are excluded from this offer. Maximum loan-to-value is 95%. Rate for the remaining term adjusts at 15 years and is based on the then-current index plus margin, rounded to the nearest eighth of a percentage point, and subject to the floor rate of 4.00%. Index is the one-month average yield of the 10-Year United States Treasury Security. Rates subject to change; check with Sunward for current rates. Available rate based on credit history. Not everyone will qualify for lowest rate. Third party fees may apply in certain circumstances. Additional fees may apply outside New Mexico. Survey fee may be required. You will receive an estimate of closing costs when you apply. Consult your tax advisor regarding the deductibility of interest. You must insure the property that secures the loan. Fees subject to change without notice. If loan does not close, fees incurred will be charged to the member. APR Calculations are based on the following loan amounts: Non-Jumbo: $180,000, Jumbo loan conforming limit: $806,500, Jumbo loan limit for high-cost areas (including California and Colorado): $1,209,750. All loans subject to credit approval. Contact Sunward for details.

¹ For loans over $766,550

5/5 Adjustable Rate Mortgages

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APR = Annual Percentage Rate. Rate and payments adjust only once every 5 years. Rate is variable and can increase by no more than 2.0% every five years with a lifetime cap of 5.0%. 4.00% floor rate applies beginning at first adjustment.

Valid for adjustable rate first mortgages for owner occupied properties. Construction loans are excluded from this offer. Up to 97% maximum loan-to-value for first-time homebuyers, 95% loan-to value for all other purchases. Rate for the remaining term adjusts every five years and is based on the then-current index plus margin, rounded to the nearest eighth of a percentage point, and subject to the floor rate. Index is the one-month average yield of the 10-Year Treasury Note. Rates subject to change; check with Sunward for current rates. Available rate based on credit history. Not everyone will qualify for lowest rate. Third party fees may apply in certain circumstances. Additional fees may apply outside New Mexico. Survey fee may be required. You will receive an estimate of closing costs when you apply. Consult your tax advisor regarding the deductibility of interest. You must insure the property that secures the loan. Fees subject to change without notice. If loan does not close, fees incurred will be charged to the member. APR Calculations are based on the following loan amounts: Non-Jumbo: $180,000, Jumbo loan conforming limit: $806,500, Jumbo loan limit for high-cost areas (including California and Colorado): $1,209,750. All loans subject to credit approval. Contact Sunward for details.

¹ Since the index in the future is unknown, the Current Calculation of the Rate for the Remaining Term displayed is based on the current index plus margin (fully indexed rate) as of the date above, subject to the floor rate of 4.00%.

² For loans over $766,550

Fixed Rate Mortgages

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APR = Annual Percentage Rate. Valid for fixed rate first mortgages for owner occupied properties. Construction loans are excluded from this offer. Maximum loan to value is up to 95% for loan amounts up to $806,500. Rates subject to change without notice. Third party fees will apply. Fees subject to change without notice. If loan does not close, fees incurred will be charged to the member. You will receive an estimate of closing costs when you apply. Consult your tax advisor regarding the deductibility of interest and discount points. You must maintain insurance on the property that secures the loan. APR calculations are based on a loan value of $180,000. All loans subject to credit approval. Contact Sunward for additional details.

Non-Owner-Occupied Mortgage Loans

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APR=Annual Percentage Rate. Index is the six-month moving average of the yield of the 10-year U.S. Treasury Note. Third party fees may apply in certain circumstances. Additional fees may apply outside New Mexico. Survey fee may be required. You will receive an estimate of closing costs when you apply. Consult your tax advisor regarding the deductibility of interest. You must insure the property that secures the loan. Subject to credit approval. Fees subject to change without notice. APR Calculations are based on the following loan amounts: Non-Jumbo: $180,000, Jumbo loan conforming limit: $806,500, Jumbo loan limit for high-cost areas (including California and Colorado): $1,209,750. Available rate based on credit history. Not everyone will qualify for lowest rate.

¹ Variable rate loan adjusts up to 2.25% every five years and will not vary more than 4.5% from the rate at issue. 5% floor rate after origination. Loan payments adjusted every five years if necessary. Payments based on 30-year amortization, repayment term of 15 years with a balloon payment at end. Maximum loan to value is 75%.

² Variable rate loan adjusts quarterly with adjustment not to exceed 0.5% and will not vary more than 7.0%. 5.5% floor rate. Five year draw period and a 15-year repayment period. Payments adjust with every draw and once a year if necessary. Jumbo loans are available; contact Sunward for details.

³ Variable rate loan adjusts up to 2% annually and will not vary more than 6% from the rate at issue. 5% floor rate. Loan payments adjusted every year if necessary. Maximum loan to value is 75%.

Personal Loans/Lines of Credit

Adjustable rate loan, subject to change, not everyone will qualify for lowest rate. Available rate is based on credit history and term and rate may be higher than rate(s) listed here. All loans subject to credit approval. Term based on amount financed.

¹ Borrow up to your approved credit limit.

Secured Loans

Variable rate loan. All loans subject to credit approval. Special conditions apply. Check with credit union for details.

Power Money Market Account

¹Dividend rate and APY may change at the discretion of the Board of Directors.

²Annual Percentage Yield (APY) if dividends are not withdrawn during this term. Share accounts are federally insured to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the US Government. Yields are determined at the time of investment. A savings account establishing membership with a $1 minimum deposit is required.

Savings Accounts

³ Dividend rate and APY may change at the discretion of the Board of Directors.

⁴ Annual Percentage Yield (APY) if dividends are not withdrawn during the term. Share accounts are federally insured to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the US Government. Yields determined at the time of investment.

Money Market Savings

⁷ Dividend rate and APY may change at the discretion of the Board of Directors.

⁸ Annual Percentage Yield (APY) if dividends are not withdrawn during the term. Share accounts are federally insured to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the US Government. Yields determined at the time of investment.

Checking Accounts

⁹Dividend rate and APY may change at the discretion of the Board of Directors.

¹⁰Annual Percentage Yield (APY) if dividends are not withdrawn during this term. Share accounts are federally insured to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the US Government. Yields are determined at the time of investment. A savings account establishing membership with a $1 minimum deposit is required.

¹¹Annual Percentage Yield as of effective date. There is no monthly service charge on member’s first two Money Manager checking accounts ($5 charge per month for each additional account). Surcharges may be added at ATMs owned by other institutions, so look for CO-OP ATMs wherever you travel.

¹²There is no monthly service charge on member’s first two Money Manager checking accounts ($5 charge per month for each additional account). Surcharges may be added at ATMs owned by other institutions, so look for CO-OP ATMs wherever you travel.

¹³Surcharges may be added at ATMs owned by other institutions, so look for CO-OP ATMs wherever you travel.

Savings Accounts

Owner Occupied 2nd Mortgage Loans

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LTV = Loan-to-value. Index is the one-month average yield of the 10-Year Treasury Note. Third party fees may apply in certain circumstances. Additional fees may apply outside New Mexico. Survey fee may be required. You will receive an estimate of closing costs when you apply. Consult your tax advisor regarding the deductibility of interest. You must insure the property that secures the loan. If loan does not close, fees incurred will be charged to the member. Subject to credit approval. Fees subject to change without notice. APR Calculations are based on the following loan amounts: Non-Jumbo: $180,000, Jumbo loan conforming limit: $806,500, Jumbo loan limit for high-cost areas (including California and Colorado): $1,209,750. Available rate based on credit history. Not everyone will qualify for lowest rate. Up to 97% maximum loan-to-value for first-time homebuyers, 95% loan-to value for all other purchases.

¹ Rate and payments adjust only once every 5 years. Rate is variable and can increase by no more than 2.0% every five years with a lifetime cap of 5.0%. 4.5% floor rate applies at first adjustment.

² Since the index in the future is unknown, the Current Calculation of the Rate for the Remaining Term displayed is based on the current index plus margin (fully-indexed rate) as of the date above, subject to the floor rate for the product. Rates are rounded to the nearest eighth of a percentage point (0.125%)

Owner Occupied Home Equity CreditLines

No annual fee. Index is the six-month average yield of the 10-Year Treasury Note. Variable rate line of credit with quarterly rate adjustments not to exceed 0.50% each, and rate is capped so it will never be more than 7% above the origination rate. Payments adjust with every draw and once a year if necessary. Ten-year draw period; 20-year repayment period. Available rate based on credit history. Not everyone will qualify for lowest rate.

¹ Since the index in the future is unknown, the Current Calculation of the Rate for the Remaining Term displayed is based on the current index plus margin (fully-indexed rate) as of the date above, subject to the floor rate for the product. Rates are rounded to the nearest eighth of a percentage point (0.125%)

Student Loans & Student Loan Consolidation

Apply for a student loan

Apply for Consolidation

¹ Variable rate loan. 4.0% floor rate. All loans subject to credit approval. Special conditions apply. Check with credit union for details.

FLEX Account

*APY = Annual Percentage Yield. DR = Dividend Rate. APY if dividends are not withdrawn during the term. Share accounts are federally insured to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the U.S. Government. Yields determined at the time of investment. Dividend rate and APY may change at the discretion of the Board of Directors. If more than 50% of the balance is withdrawn, a penalty will be applied to the second 50% of the balance that is equivalent to 180 days' worth of dividends on the remaining amount. A penalty may be imposed for early withdrawal. Available to personal and business members.

Term Certificates

APY = Annual Percentage Yield, DR = Dividend Rate.

APY if dividends are not withdrawn during the term. Share accounts are federally insured to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the US Government. Yields determined at the time of investment. Dividend Rate and APY may change at the discretion of the Board of Directors. A penalty may be imposed for early withdrawal.