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SUMA Federal Credit Union

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SUMA Federal Credit Union Rates & Review September 2026

Q: Is a member application needed to join SUMA Federal Credit Union?

Yes, to access services at SUMA Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, SUMA Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 10, 2026

SUMA Federal Credit Union's Personal Loan Rates are at 11.25%. MonitorBankRates evaluates the financial stability of SUMA Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.41%. Rates last updated and verified on 09/10/2026.

SUMA Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at SUMA Federal Credit Union? Share your experience about SUMA Federal Credit Union by leaving a review below, or read customer reviews before you decide to use SUMA Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.41%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

SUMA Federal Credit Union
Main Office

125 Corporate Blvd
Yonkers, NY 10701

https://www.sumafcu.org

SUMA Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
10 Year Balloon / 7/1 ARM / 30 Amortization	6.88%	0.500	6.70%	10
Details Term: 10 Year Balloon / 7/1 ARM / 30 Amortization; RATE range: 6.875%-7.625% Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.41%

SUMA Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Interest Only Loan-Single Payment	-	-	4.75%	Max 1 Year
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.41%
Home Equity 5 Year Balloon/ 10 Year Payout Schedule	-	-	5.00%
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.41%

SUMA Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Used Auto Loans	-	-	5.00%	2 Year
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.41%
Used Auto Loans	-	-	5.25%	3 Year
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.41%
Used Auto Loans	-	-	5.50%	4 Year
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.41%
Used Auto Loans	-	-	5.75%	5 Year
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.41%
Specialty Vehicle Loans	-	-	9.00%	Up to 5 Years
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.41%

SUMA Federal Credit Union Credit Card Rates

Product	Rate	APR
Secured VISA Credit Cards	-	9.00%
Details No annual fee; Same APR for purchases and cash advances; No penalty APR; 5 days grace period for late payments; No cash advance fee; Low late payment fees; Fixed APR; Low international transaction fees; Fraud protection - Zero fraud liability; Earn rewards when you make purchases to be redeemed for gift cards, travel, and even cash! A reward point is earned with every dollar spent! To redeem your SUMA Card Rewards, log in to your online banking (Opens in a new Window) account or call 1-833-606-4184 for account and reward redemption information. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.41%
Visa Classic	-	9.00%
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.41%
Visa Business Platinum	-	10.95%
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.41%

SUMA Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	11.25%	Up to 36 Months
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.41%
Personal Loan	11.75%	37 to 60 Months
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.41%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

SUMA Federal Credit Union’s Texas Ratio rose from 6.84% in Q2 2023 to 8.41% in Q1 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$461M	8.41%	5.0	A
December 31, 2025	$458M	10.61%	5.0	A
September 30, 2025	$449M	11.57%	5.0	A
June 30, 2025	$444M	10.21%	5.0	A
March 31, 2025	$439M	7.15%	5.0	A
December 31, 2024	$431M	6.13%	5.0	A
September 30, 2024	$427M	12.53%	5.0	A
June 30, 2024	$425M	8.88%	5.0	A
March 31, 2024	$421M	7.93%	5.0	A
December 31, 2023	$420M	8.72%	5.0	A
September 30, 2023	$422M	6.04%	5.0	A
June 30, 2023	$420M	6.84%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for SUMA Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather SUMA Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with SUMA Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name SUMA Federal Credit Union

Website https://www.sumafcu.org

Address 125 Corporate Blvd, Yonkers, NY 10701

Phone 914-220-4900

Fax 914-220-4090

President Andrew Horbachevsky

CEO Andrij Burchak

Full-Time Employees 38

Part-Time Employees 7

Branch Locations 8

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

8.41%

Return on Assets (ROA)

0.1432%

Return on Equity (ROE)

1.1657%

Non-Performing Loans Ratio (NPL)

1.54%

Total Assets

460,908,350

Total Amount of Shares and Deposits

403,506,672

Total Shares and Deposits < 1 Year

374,931,405

Total Shares and Deposits 1 3 Years

26,027,398

Total Shares and Deposits > 3 Years

2,547,869

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

88,630,296

Total Uninsured Shares and Deposits > $250K (F+J)

88,630,296

Total Insured Shares and Deposits > $250K (item 17 less item K)

314,876,376

Total Interest Expense (Sum of items 6 8)

2,455,466

Share Certificates

2,804

Number of Accounts for Share Drafts

5,135

IRA KEOGH Accounts

1,008

Number of Accounts for Regular Shares

9,684

All other shares

840

Money Market Shares

825

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

14,692,247

Total Liabilities

404,307,508

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

SUMA Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for SUMA Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

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Total Reviews

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Frequently Asked Questions About SUMA Federal Credit Union

How many branches does SUMA Federal Credit Union operate?

SUMA Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join SUMA Federal Credit Union?

Yes, to access services at SUMA Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, SUMA Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, SUMA Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does SUMA Federal Credit Union offer online and mobile banking?

Most modern institutions like SUMA Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.sumafcu.org.