What are the current interest rates at Sunward?

Current rates for Sunward include: 12-Month CD: 4.00%, 24-Month CD: 4.11%, 60-Month CD: 3.56%, Savings: 1.35%, MMA: 5.05%

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Sunward Rates & Review October 2026

Q: How many branches does Sunward operate?

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

Q: Is a member application needed to join Sunward?

Yes, to access services at Sunward, 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: Is there a first-time homebuyer program?

Currently, Sunward 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Sunward 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: October 15, 2026

Sunward's top rates as of October 15, 2026 are 4.11% APY on its Term CDs - 24 month CD, 1.35% APY on savings, 5.05% APY on money market accounts, 10.00% APY on checking, 5.50% on its Jumbo 5/5 1st Loan mortgage, personal loans from 10.00% APR, and credit cards from 12.00% APR, according to rates verified by MonitorBankRates. Other Sunward CD rates include 6 Month Business Term CD Promo at 4.00%, Term CDs - 12 month at 4.00%, and 16 Month Flex Term CD at 3.75%. Other Sunward mortgage rates include 15/15 Adjustable Rate Mortgage at 5.75%, Jumbo 15/15 Adjustable Rate Mortgage at 5.75%, and Jumbo 5/5 >80% 1st Loan at 6.00%. MonitorBankRates evaluates the financial stability of Sunward with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.97%. Rates last updated and verified on 10/15/2026.

Sunward 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 Sunward? Share your experience about Sunward by leaving a review below, or read customer reviews before you decide to use Sunward.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.97%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Sunward
CUC Credit Union Center

3707 Juan Tabo Blvd NE
Albuquerque, NM 87111

https://www.slfcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Sunward CD Rates

Product	Rate	APY	Term
Term Certificates - 24 month	4.03%	4.11%	24 months
Min Deposit $500 Min Balance $500 Details Standard Term Certificate; available to personal and business members; $500 minimum opening deposit; Dividend Rate 4.03%, APY 4.11% if dividends are not withdrawn during the term Last Updated 10/15/2026 Rate History No change since Sep 14, 2026 · 4.11% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Term Certificates - 12 month	3.93%	4.00%	12 months
Min Deposit $500 Min Balance $500 Details Standard Term Certificate; available to personal and business members; $500 minimum opening deposit; Dividend Rate 3.93%, APY 4.00% if dividends are not withdrawn during the term Last Updated 10/15/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
16 Month Flex Term Certificate	3.69%	3.75%	16 months
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and over; Promotional APY for a limited time on new Flex Term Certificates with balances of $100,000 or more; $500 minimum opening deposit; APY if dividends are not withdrawn during the term Last Updated 10/15/2026 Rate History No change since Oct 12, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Term Certificates - 9 month	3.69%	3.75%	9 months
Min Deposit $500 Min Balance $500 Details Standard Term Certificate; available to personal and business members; $500 minimum opening deposit; Dividend Rate 3.69%, APY 3.75% if dividends are not withdrawn during the term Last Updated 10/15/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Term Certificates - 36 month	3.59%	3.65%	36 months
Min Deposit $500 Min Balance $500 Details Standard Term Certificate; available to personal and business members; $500 minimum opening deposit; Dividend Rate 3.59%, APY 3.65% if dividends are not withdrawn during the term Last Updated 10/15/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Term Certificates - 6 month	3.59%	3.65%	6 months
Min Deposit $500 Min Balance $500 Details Standard Term Certificate; available to personal and business members; $500 minimum opening deposit; Dividend Rate 3.59%, APY 3.65% if dividends are not withdrawn during the term Last Updated 10/15/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Term Certificates - 60 month	3.50%	3.56%	60 months
Min Deposit $500 Min Balance $500 Details Standard Term Certificate; available to personal and business members; $500 minimum opening deposit; Dividend Rate 3.50%, APY 3.56% if dividends are not withdrawn during the term Last Updated 10/15/2026 Rate History No change since Sep 14, 2026 · 3.56% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
16 Month Flex Term Certificate	3.45%	3.51%	16 months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $99,999.99; $500 minimum opening deposit; APY if dividends are not withdrawn during the term; Flex Term Certificate allows up to 50% monthly withdrawals without penalty Last Updated 10/15/2026 Rate History No change since Oct 12, 2026 · 3.51% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Term Certificates - 48 month	3.45%	3.51%	48 months
Min Deposit $500 Min Balance $500 Details Standard Term Certificate; available to personal and business members; $500 minimum opening deposit; Dividend Rate 3.45%, APY 3.51% if dividends are not withdrawn during the term Last Updated 10/15/2026 Rate History No change since Sep 14, 2026 · 3.51% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Term Certificates - 3 month	3.06%	3.10%	3 months
Min Deposit $500 Min Balance $500 Details Standard Term Certificate; available to personal and business members; $500 minimum opening deposit; Dividend Rate 3.06%, APY 3.10% if dividends are not withdrawn during the term Last Updated 10/15/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%

Sunward Business CD Rates

Product	Rate	APY	Term	View More
6 Month Business Term Certificate Promo	3.93%	4.00%	6 months
Min Balance $500 Details Dividend Rate 3.93%; APY if dividends are not withdrawn during the term; early withdrawal penalty may apply Last Updated 10/15/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%

Sunward Savings Rates

Product	Rate	APY
Money Market Savings	1.34%	1.35%
Min Balance $200,000 Details Balance: $200,000 and over Last Updated 10/15/2026 Rate History No change since Sep 14, 2026 · 1.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Money Market Savings	1.14%	1.15%
Min Balance $150,000 Details Balance: $150,000 - $199,999 Last Updated 10/15/2026 Rate History No change since Sep 14, 2026 · 1.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Money Market Savings	0.95%	0.95%
Min Balance $100,000 Details Balance: $100,000 - $149,999 Last Updated 10/15/2026 Rate History No change since Sep 14, 2026 · 0.95% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Money Market Savings	0.75%	0.75%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/15/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Money Market Savings	0.55%	0.55%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/15/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Money Market Savings	0.40%	0.40%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/15/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Money Market Savings	0.25%	0.25%
Min Balance $2,500 Details Balance: $2,500 - $9,999 Last Updated 10/15/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Savings Accounts	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000 and over Last Updated 10/15/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Savings Accounts	0.05%	0.05%
Min Balance $100 Details Balance: $100 - $9,999 Last Updated 10/15/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%

Sunward Money Market Rates

Product	Rate	APY
Power Money Market Account	4.93%	5.05%
Min Balance $0 Details Balance: $0.00 - $2,500.00 Last Updated 10/15/2026 Rate History No change since Oct 4, 2026 · 5.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Power Money Market Account	3.00%	3.05%
Min Balance $2,500 Details Balance: $2,500.01 - $5,000.00 Last Updated 10/15/2026 Rate History 1 change since Sep 14, 2026 · 3.04% → 3.05% ▲ 0.01 pts · high 3.05% / low 3.04% Oct 4, 20263.05%▲ from 3.04% Sep 14, 20263.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Power Money Market Account	2.02%	2.04%
Min Balance $5,000 Details Balance: $5,000.01 - $10,000.00 Last Updated 10/15/2026 Rate History No change since Sep 14, 2026 · 2.04% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Money Market Savings	1.34%	1.35%
Min Balance $200,000 Details Balance: $200,000 and over Last Updated 10/15/2026 Rate History No change since Sep 14, 2026 · 1.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Money Market Savings	1.14%	1.15%
Min Balance $150,000 Details Balance: $150,000 - $199,999 Last Updated 10/15/2026 Rate History No change since Sep 14, 2026 · 1.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Power Money Market Account	1.04%	1.05%
Min Balance $10,000 Details Balance: $10,000.01 - $15,000.00 Last Updated 10/15/2026 Rate History 1 change since Sep 14, 2026 · 1.04% → 1.05% ▲ 0.01 pts · high 1.05% / low 1.04% Oct 4, 20261.05%▲ from 1.04% Sep 14, 20261.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Money Market Savings	0.95%	0.95%
Min Balance $100,000 Details Balance: $100,000 - $149,999 Last Updated 10/15/2026 Rate History No change since Sep 14, 2026 · 0.95% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Money Market Savings	0.75%	0.75%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/15/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Money Market Savings	0.55%	0.55%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/15/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Power Money Market Account	0.44%	0.44%
Min Balance $15,000 Details Balance: $15,000.01 - $25,000.00 Last Updated 10/15/2026 Rate History No change since Sep 14, 2026 · 0.44% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Money Market Savings	0.40%	0.40%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/15/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Money Market Savings	0.25%	0.25%
Min Balance $2,500 Details Balance: $2,500 - $9,999 Last Updated 10/15/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Power Money Market Account	0.14%	0.14%
Min Balance $25,000 Details Balance: $25,000.01 and over Last Updated 10/15/2026 Rate History No change since Sep 14, 2026 · 0.14% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%

Sunward Checking Rates

Product	Rate	APY
Money Manager Checking	-	10.00%
Min Deposit $0 Min Balance $0 Details Balance: $0.00 - $1,000.00; Qualifications Required; Promotional 10.00% APY on the first $1,000 for up to 12 months; automatically applied for the first 90 days; continuing requires a qualifying direct deposit within 60 days and 10 qualifying transactions between Day 60 and Day 90, then reviewed every 30 days; standard dividend rate applies to balances above the promotional amount; new accounts opened on or after August 19, 2026; one promotional enrollment per primary member SSN; limited to one checking account per member Last Updated 10/15/2026 Rate History No change since Sep 25, 2026 · 10.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Quick Cash Checking	-	10.00%
Min Deposit $0 Min Balance $0 Details Balance: $0.00 - $1,000.00; Qualifications Required; Promotional 10.00% APY on the first $1,000 for up to 12 months; automatically applied for the first 90 days; continuing requires a qualifying direct deposit within 60 days and 10 qualifying transactions between Day 60 and Day 90, then reviewed every 30 days; standard dividend rate applies to balances above the promotional amount; new accounts opened on or after August 19, 2026; one promotional enrollment per primary member SSN; limited to one checking account per member Last Updated 10/15/2026 Rate History No change since Sep 25, 2026 · 10.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Simple Spend Checking	-	10.00%
Min Deposit $0 Min Balance $0 Details Balance: $0.00 - $1,000.00; Qualifications Required; Promotional 10.00% APY on the first $1,000 for up to 12 months; automatically applied for the first 90 days; continuing requires a qualifying direct deposit within 60 days and 10 qualifying transactions between Day 60 and Day 90, then reviewed every 30 days; standard dividend rate applies to balances above the promotional amount; new accounts opened on or after August 19, 2026; one promotional enrollment per primary member SSN; limited to one checking account per member Last Updated 10/15/2026 Rate History No change since Sep 25, 2026 · 10.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%

Sunward Mortgage Rates

Product	Rate	Points	APR	Term
Jumbo 5/5 1st Loan	5.50%	-	5.641%	30 Years
Details As Low As; Jumbo loan (over $766,550); Rate fixed for first 5 years; Current Calculation of Rate Remaining Term: 6.625% Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 5.64% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
15/15 Adjustable Rate Mortgage	5.75%	-	5.904%	30 Years
Details As Low As; Rate fixed for 15 years, then adjusts once at 15 years; rate can increase by no more than 6.00% at the 15 year adjustment; maximum loan-to-value 95%; valid for owner occupied properties Last Updated 10/15/2026 Rate History No change since Oct 12, 2026 · 5.90% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Jumbo 15/15 Adjustable Rate Mortgage	5.75%	-	5.904%	30 Years
Details As Low As; Rate fixed for 15 years, then adjusts once at 15 years; for loans over $766,550; rate can increase by no more than 6.00% at the 15 year adjustment; maximum loan-to-value 95%; valid for owner occupied properties Last Updated 10/15/2026 Rate History No change since Oct 12, 2026 · 5.90% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Jumbo 5/5 >80% 1st Loan	6.00%	-	6.168%	30 Years
Details As Low As; Jumbo loan (over $766,550); Loan-to-value over 80%; Rate fixed for first 5 years; Current Calculation of Rate Remaining Term: 6.625% Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 6.17% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
7/1 1st Adjustable Rate Mortgage	6.375%	-	6.565%	30 years
Details As Low As; Rate and APR apply for first 7 years; Current Calculation of Rate Remaining Term: 7.375%; Payment Per $1,000 Financed: $6.24; Non-Jumbo; Up to 97% LTV first-time homebuyers, 95% other purchases Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 6.57% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Jumbo 7/1 1st Adjustable Rate Mortgage	6.375%	-	6.565%	30 years
Details As Low As; Rate and APR apply for first 7 years; Current Calculation of Rate Remaining Term: 7.375%; Payment Per $1,000 Financed: $6.24; Jumbo loan Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 6.57% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
7/1 >80% 1st Adjustable Rate Mortgage	6.625%	-	6.83%	30 years
Details As Low As; Rate and APR apply for first 7 years; Current Calculation of Rate Remaining Term: 7.375%; Payment Per $1,000 Financed: $6.40; Loan-to-value above 80% Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 6.83% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Jumbo 7/1 >80% 1st Adjustable Rate Mortgage	6.625%	-	6.83%	30 years
Details As Low As; Rate and APR apply for first 7 years; Current Calculation of Rate Remaining Term: 7.375%; Payment Per $1,000 Financed: $6.40; Jumbo loan; Loan-to-value above 80% Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 6.83% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Fixed Rate Mortgage	6.625%	0.125%	6.854%	15 Year
Details As Low As; Fixed rate first mortgage, owner occupied Last Updated 10/15/2026 Rate History 4 changes since Sep 14, 2026 · 6.45% → 6.85% ▲ 0.40 pts · high 6.85% / low 6.45% Oct 15, 20266.85%▲ from 6.83% Oct 4, 20266.83%▼ from 6.85% Sep 25, 20266.85%▲ from 6.50% Sep 17, 20266.50%▲ from 6.45% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Fixed Rate Mortgage	6.625%	0.125%	6.926%	10 Year
Details As Low As; Fixed rate first mortgage, owner occupied Last Updated 10/15/2026 Rate History 4 changes since Sep 14, 2026 · 6.93% → 6.93% ▼ 0.00 pts · high 6.93% / low 6.88% Oct 15, 20266.93%▲ from 6.90% Oct 4, 20266.90%▼ from 6.93% Sep 25, 20266.93%▲ from 6.88% Sep 17, 20266.88%▼ from 6.93% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Fixed Rate Mortgage	6.75%	0%	6.96%	15 Year
Details As Low As; Fixed rate first mortgage, owner occupied Last Updated 10/15/2026 Rate History 4 changes since Sep 14, 2026 · 6.45% → 6.96% ▲ 0.51 pts · high 6.96% / low 6.45% Oct 8, 20266.96%▲ from 6.83% Oct 4, 20266.83%▼ from 6.85% Sep 25, 20266.85%▲ from 6.50% Sep 17, 20266.50%▲ from 6.45% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Fixed Rate Mortgage	6.75%	0%	7.024%	10 Year
Details As Low As; Fixed rate first mortgage, owner occupied Last Updated 10/15/2026 Rate History 4 changes since Sep 14, 2026 · 6.93% → 7.02% ▲ 0.10 pts · high 7.02% / low 6.88% Oct 8, 20267.02%▲ from 6.90% Oct 4, 20266.90%▼ from 6.93% Sep 25, 20266.93%▲ from 6.88% Sep 17, 20266.88%▼ from 6.93% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Fixed Rate Mortgage	6.875%	-0.125%	7.087%	15 Year
Details As Low As; Fixed rate first mortgage, owner occupied Last Updated 10/15/2026 Rate History 5 changes since Sep 14, 2026 · 6.45% → 7.09% ▲ 0.63 pts · high 7.09% / low 6.45% Oct 15, 20267.09%▲ from 6.96% Oct 8, 20266.96%▲ from 6.83% Oct 4, 20266.83%▼ from 6.85% Sep 25, 20266.85%▲ from 6.50% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Fixed Rate Mortgage	6.875%	-0.125%	7.15%	10 Year
Details As Low As; Fixed rate first mortgage, owner occupied Last Updated 10/15/2026 Rate History 5 changes since Sep 14, 2026 · 6.93% → 7.15% ▲ 0.22 pts · high 7.15% / low 6.88% Oct 15, 20267.15%▲ from 7.02% Oct 8, 20267.02%▲ from 6.90% Oct 4, 20266.90%▼ from 6.93% Sep 25, 20266.93%▲ from 6.88% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Fixed Rate Mortgage	7.125%	0.625%	7.353%	30 Year
Details As Low As; Fixed rate first mortgage, owner occupied Last Updated 10/15/2026 Rate History 4 changes since Sep 14, 2026 · 7.03% → 7.35% ▲ 0.32 pts · high 7.42% / low 7.00% Oct 8, 20267.35%▼ from 7.42% Oct 2, 20267.42%▲ from 7.29% Sep 25, 20267.29%▲ from 7.00% Sep 17, 20267.00%▼ from 7.03% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Fixed Rate Mortgage	7.125%	0.500%	7.378%	20 Year
Details As Low As; Fixed rate first mortgage, owner occupied Last Updated 10/15/2026 Rate History 6 changes since Sep 14, 2026 · 7.44% → 7.38% ▼ 0.06 pts · high 7.63% / low 7.31% Oct 15, 20267.38%▼ from 7.44% Oct 8, 20267.44%▲ from 7.31% Oct 4, 20267.31%▼ from 7.38% Oct 2, 20267.38%▼ from 7.63% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Fixed Rate Mortgage	7.25%	0%	7.416%	30 Year
Details As Low As; Fixed rate first mortgage, owner occupied Last Updated 10/15/2026 Rate History 3 changes since Sep 14, 2026 · 7.03% → 7.42% ▲ 0.38 pts · high 7.42% / low 7.00% Oct 2, 20267.42%▲ from 7.29% Sep 25, 20267.29%▲ from 7.00% Sep 17, 20267.00%▼ from 7.03% Sep 14, 20267.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Fixed Rate Mortgage	7.25%	0%	7.438%	20 Year
Details As Low As; Fixed rate first mortgage, owner occupied Last Updated 10/15/2026 Rate History 5 changes since Sep 14, 2026 · 7.44% → 7.44% ▼ 0.00 pts · high 7.63% / low 7.31% Oct 8, 20267.44%▲ from 7.31% Oct 4, 20267.31%▼ from 7.38% Oct 2, 20267.38%▼ from 7.63% Sep 25, 20267.63%▲ from 7.50% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Fixed Rate Mortgage	7.375%	-0.500%	7.543%	30 Year
Details As Low As; Fixed rate first mortgage, owner occupied Last Updated 10/15/2026 Rate History 4 changes since Sep 14, 2026 · 7.03% → 7.54% ▲ 0.51 pts · high 7.54% / low 7.00% Oct 8, 20267.54%▲ from 7.42% Oct 2, 20267.42%▲ from 7.29% Sep 25, 20267.29%▲ from 7.00% Sep 17, 20267.00%▼ from 7.03% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Fixed Rate Mortgage	7.375%	-0.250%	7.565%	20 Year
Details As Low As; Fixed rate first mortgage, owner occupied Last Updated 10/15/2026 Rate History 6 changes since Sep 14, 2026 · 7.44% → 7.57% ▲ 0.13 pts · high 7.63% / low 7.31% Oct 15, 20267.57%▲ from 7.44% Oct 8, 20267.44%▲ from 7.31% Oct 4, 20267.31%▼ from 7.38% Oct 2, 20267.38%▼ from 7.63% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%

Sunward Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit - 1st	7.00%	-	7.229%	20 Years
Details As Low As; Minimum line $35,000; Rate for 1st 3 Months; Current Rate Remaining Term: 6.750%; Maximum Rate: 14.750%; 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; rate capped at 7% above origination rate; Ten-year draw period; 20-year repayment period Last Updated 10/15/2026 Rate History No change since Oct 12, 2026 · 7.23% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Home Equity Line of Credit - 2nd w/ 1st	7.00%	-	7.229%	20 Years
Details As Low As; Minimum line $10,000; Rate for 1st 3 Months; Current Rate Remaining Term: 6.750%; Maximum Rate: 15.250%; 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; rate capped at 7% above origination rate; Ten-year draw period; 20-year repayment period Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 7.23% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Home Equity Line of Credit	8.00%	-	8.30%	15 years
Details As Low As; Type: 1 Last Updated 10/15/2026 Rate History No change since Oct 8, 2026 · 8.30% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%

Sunward Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan - New & Used Vehicle	-	-	4.18%	Up to 36 months
Details As Low As; Non-variable rate; 100% financing available including tax, title, license and extended warranties; rate based on credit history, model year, mileage, and loan term; rates effective as of 10/14/2026 Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 4.18% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Auto Loans	-	-	4.64%
Details As Low As; advertised best-case APR for auto loans (new and used vehicles); terms up to 84 months new, up to 72 months used; non-variable rate; subject to credit approval; not everyone qualifies for lowest rate Last Updated 10/15/2026 Rate History No change since Oct 12, 2026 · 4.64% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Auto Loan - New & Used Vehicle	-	-	4.89%	37-48 months
Details As Low As; Non-variable rate; 100% financing available including tax, title, license and extended warranties; rate based on credit history, model year, mileage, and loan term; rates effective as of 10/14/2026 Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 4.89% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Auto Loan - New & Used Vehicle	-	-	5.15%	49-60 months
Details As Low As; Non-variable rate; 100% financing available including tax, title, license and extended warranties; rate based on credit history, model year, mileage, and loan term; rates effective as of 10/14/2026 Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 5.15% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Auto Loan - New & Used Vehicle	-	-	5.28%	61-72 months
Details As Low As; Non-variable rate; 100% financing available including tax, title, license and extended warranties; rate based on credit history, model year, mileage, and loan term; rates effective as of 10/14/2026 Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 5.28% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Auto Loan - New Vehicle	-	-	5.75%	73-84 months
Details As Low As; Non-variable rate; 100% financing available including tax, title, license and extended warranties; new car rates apply to vehicles from the current or two previous model years with mileage 25,000 or less; rates effective as of 10/14/2026 Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 5.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%

Sunward RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New RVs, Motorcycles, ATVs, Boats, Boat Motors, Trailers Loan	-	7.63%	Up to 48 months
Details As Low As; 80% financing available Last Updated 10/15/2026 Rate History 2 changes since Sep 14, 2026 · 7.00% → 7.63% ▲ 0.63 pts · high 7.63% / low 7.00% Oct 4, 20267.63%▲ from 7.25% Sep 18, 20267.25%▲ from 7.00% Sep 14, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Used RVs, Motorcycles, ATVs, Boats, Boat Motors, Trailers Loan	-	7.63%	Up to 48 months
Details As Low As; Previous model year and up to 10 years old: 80% financing available Last Updated 10/15/2026 Rate History 2 changes since Sep 14, 2026 · 7.00% → 7.63% ▲ 0.63 pts · high 7.63% / low 7.00% Oct 4, 20267.63%▲ from 7.25% Sep 18, 20267.25%▲ from 7.00% Sep 14, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
New RVs, Motorcycles, ATVs, Boats, Boat Motors, Trailers Loan	-	8.13%	49-84 months
Details As Low As; 80% financing available Last Updated 10/15/2026 Rate History 2 changes since Sep 14, 2026 · 7.50% → 8.13% ▲ 0.63 pts · high 8.13% / low 7.50% Oct 4, 20268.13%▲ from 7.75% Sep 18, 20267.75%▲ from 7.50% Sep 14, 20267.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Used RVs, Motorcycles, ATVs, Boats, Boat Motors, Trailers Loan	-	8.13%	49-84 months
Details As Low As; Previous model year and up to 10 years old: 80% financing available Last Updated 10/15/2026 Rate History 2 changes since Sep 14, 2026 · 7.50% → 8.13% ▲ 0.63 pts · high 8.13% / low 7.50% Oct 4, 20268.13%▲ from 7.75% Sep 18, 20267.75%▲ from 7.50% Sep 14, 20267.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
New RVs, Motorcycles, ATVs, Boats, Boat Motors, Trailers Loan	-	8.25%	85-120 months
Details As Low As; 80% financing available Last Updated 10/15/2026 Rate History 2 changes since Sep 14, 2026 · 7.75% → 8.25% ▲ 0.50 pts · high 8.25% / low 7.75% Oct 4, 20268.25%▲ from 7.88% Sep 18, 20267.88%▲ from 7.75% Sep 14, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Used RVs, Motorcycles, ATVs, Boats, Boat Motors, Trailers Loan	-	8.25%	85-120 months
Details As Low As; Previous model year and up to 10 years old: 80% financing available Last Updated 10/15/2026 Rate History 2 changes since Sep 14, 2026 · 7.75% → 8.25% ▲ 0.50 pts · high 8.25% / low 7.75% Oct 4, 20268.25%▲ from 7.88% Sep 18, 20267.88%▲ from 7.75% Sep 14, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
New RVs, Motorcycles, ATVs, Boats, Boat Motors, Trailers Loan	-	8.75%	121-180 months
Details As Low As; 80% financing available Last Updated 10/15/2026 Rate History 3 changes since Sep 14, 2026 · 8.25% → 8.75% ▲ 0.50 pts · high 8.75% / low 8.25% Oct 12, 20268.75%▲ from 8.63% Oct 4, 20268.63%▲ from 8.38% Sep 18, 20268.38%▲ from 8.25% Sep 14, 20268.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Used RVs, Motorcycles, ATVs, Boats, Boat Motors, Trailers Loan	-	8.75%	121-180 months
Details As Low As; Previous model year and up to 10 years old: 80% financing available Last Updated 10/15/2026 Rate History 3 changes since Sep 14, 2026 · 8.25% → 8.75% ▲ 0.50 pts · high 8.75% / low 8.25% Oct 12, 20268.75%▲ from 8.63% Oct 4, 20268.63%▲ from 8.38% Sep 18, 20268.38%▲ from 8.25% Sep 14, 20268.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%

Sunward Credit Card Rates

Product	Rate	APR
Visa Signature Business	-	12.00%
Details As Low As; This APR will vary with the market based on the Prime Rate. 1% year-end rebate on purchases. No annual fee, no balance transfer fee Last Updated 10/15/2026 Rate History 1 change since Sep 25, 2026 · 11.75% → 12.00% ▲ 0.25 pts · high 12.00% / low 11.75% Oct 4, 202612.00%▲ from 11.75% Sep 25, 202611.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Visa Platinum Value	-	12.75%
Details APR range: 12.75% to 15.25%; varies with Prime Rate; same APR for cash advances; Cash advance fee: $5; Foreign transaction fee: 1%; No annual fee; No balance transfer fee; $500 minimum credit line Last Updated 10/15/2026 Rate History 1 change since Sep 14, 2026 · 12.50% → 12.75% ▲ 0.25 pts · high 12.75% / low 12.50% Oct 4, 202612.75%▲ from 12.50% Sep 14, 202612.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Visa Platinum Value Secured	-	14.75%
Details Varies with Prime Rate; same APR for cash advances; Secured card: deposit of $300 or more; no credit score needed; Cash advance fee: $5; Foreign transaction fee: 1%; No annual fee; No balance transfer fee Last Updated 10/15/2026 Rate History 1 change since Sep 14, 2026 · 14.50% → 14.75% ▲ 0.25 pts · high 14.75% / low 14.50% Oct 4, 202614.75%▲ from 14.50% Sep 14, 202614.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Visa Platinum Rebate	-	15.00%
Details Published APR range: 15.00% to 17.50%. This APR will vary with the market based on the Prime Rate. Earn 1.00% monthly rebate on purchases. No annual fee, no balance transfer fee Last Updated 10/15/2026 Rate History 1 change since Sep 14, 2026 · 14.75% → 15.00% ▲ 0.25 pts · high 15.00% / low 14.75% Oct 4, 202615.00%▲ from 14.75% Sep 14, 202614.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Visa Signature	-	15.50%
Details Published APR range: 15.50% to 18.00%. This APR will vary with the market based on the Prime Rate. Earn 1.50% monthly rebate on purchases. No annual fee, no balance transfer fee Last Updated 10/15/2026 Rate History 1 change since Sep 14, 2026 · 15.25% → 15.50% ▲ 0.25 pts · high 15.50% / low 15.25% Oct 4, 202615.50%▲ from 15.25% Sep 14, 202615.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Premium Business Visa Signature	-	18.00%
Details As Low As; This APR will vary with the market based on the Prime Rate. 2% monthly cashback on purchases. No foreign transaction fees, no balance transfer fee Last Updated 10/15/2026 Rate History No change since Sep 25, 2026 · 18.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%

Sunward Personal Loan Rates

Product	APR	Term
Signature Loan	10.00%	To 48 months
Details As Low As; 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. Term based on amount financed. Last Updated 10/15/2026 Rate History No change since Sep 14, 2026 · 10.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Signature Line of Credit	10.50%	60 months
Details Term: 60 months from the last draw; As Low As; 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. Borrow up to your approved credit limit. Last Updated 10/15/2026 Rate History No change since Oct 8, 2026 · 10.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Signature Loan	10.50%	49-60 months
Details As Low As; 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. Term based on amount financed. Last Updated 10/15/2026 Rate History No change since Sep 14, 2026 · 10.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Visa Signature Business	12.00%
Details As Low As; This APR will vary with the market based on the Prime Rate. 1% year-end rebate on purchases. No annual fee, no balance transfer fee Last Updated 10/15/2026 Rate History 1 change since Sep 25, 2026 · 11.75% → 12.00% ▲ 0.25 pts · high 12.00% / low 11.75% Oct 4, 202612.00%▲ from 11.75% Sep 25, 202611.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Visa Signature	15.50%
Details Published APR range: 15.50% to 18.00%. This APR will vary with the market based on the Prime Rate. Earn 1.50% monthly rebate on purchases. No annual fee, no balance transfer fee Last Updated 10/15/2026 Rate History 1 change since Sep 14, 2026 · 15.25% → 15.50% ▲ 0.25 pts · high 15.50% / low 15.25% Oct 4, 202615.50%▲ from 15.25% Sep 14, 202615.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Premium Business Visa Signature	18.00%
Details As Low As; This APR will vary with the market based on the Prime Rate. 2% monthly cashback on purchases. No foreign transaction fees, no balance transfer fee Last Updated 10/15/2026 Rate History No change since Sep 25, 2026 · 18.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%

Sunward Other Rates

Product	Rate	Points	APY/APR	Term
Non-Owner Occupied 5/5 Loan	6.00%	-	6.168%	30 year amortization
Details As Low As; Type: 1; Payment Per $1,000 Financed not captured Last Updated 10/15/2026 Rate History No change since Sep 17, 2026 · 6.17% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Owner Occupied 2nd Mortgage Loans - 5/5 2nd w/ 1st	6.50%	-	6.697%	20 Years
Details As Low As; Maximum Combined LTV: 95%; Current Calculation of Rate Remaining Term: 6.625%; Rate adjusts once every 5 years, variable, floor 4.5% at first adjustment; available rate based on credit history Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 6.70% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Vacant Land Loan	7.375%	-	7.629%	12 years
Details As Low As; Type: 1 Last Updated 10/15/2026 Rate History 2 changes since Sep 17, 2026 · 7.23% → 7.63% ▲ 0.40 pts · high 7.63% / low 7.23% Oct 2, 20267.63%▲ from 7.50% Sep 25, 20267.50%▲ from 7.23% Sep 17, 20267.23%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Business Money Maker Account	0.75%	-	0.75%
Min Balance $2,500 Details Balance: $2,500.00 - $24,999.99; APY applies if dividends are not withdrawn during the term Last Updated 10/15/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Business Money Maker Account	1.00%	-	1.01%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; APY applies if dividends are not withdrawn during the term Last Updated 10/15/2026 Rate History No change since Sep 14, 2026 · 1.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Business Money Maker Account	2.00%	-	2.02%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; APY applies if dividends are not withdrawn during the term Last Updated 10/15/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Business Money Maker Account	2.50%	-	2.53%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99; APY applies if dividends are not withdrawn during the term Last Updated 10/15/2026 Rate History No change since Sep 14, 2026 · 2.53% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Business Money Maker Account	2.75%	-	2.79%
Min Balance $250,000 Details Balance: $250,000.00 and over; APY applies if dividends are not withdrawn during the term Last Updated 10/15/2026 Rate History No change since Sep 14, 2026 · 2.79% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%
Money Manager	0.05%	-	0.05%
Min Balance $500 Details Balance: $500 and over Last Updated 10/15/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.97%

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

Sunward’s Texas Ratio rose from 1.66% in Q3 2023 to 2.97% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade

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
June 30, 2026	$4.6B	2.97%	5.0	A+
March 31, 2026	$4.5B	2.68%	5.0	A+
December 31, 2025	$4.6B	3.43%	5.0	A+
September 30, 2025	$4.5B	3.78%	5.0	A+
June 30, 2025	$4.3B	3.28%	5.0	A+
March 31, 2025	$4.2B	2.86%	5.0	A+
December 31, 2024	$4.1B	2.68%	5.0	A+
September 30, 2024	$4.2B	2.44%	5.0	A+
June 30, 2024	$4.1B	1.99%	5.0	A+
March 31, 2024	$4.1B	1.51%	5.0	A+
December 31, 2023	$3.8B	1.94%	5.0	A+
September 30, 2023	$3.6B	1.66%	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 Sunward 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 Sunward 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 Sunward's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Sunward

Website https://www.slfcu.org

Address 3707 Juan Tabo Blvd NE, Albuquerque, NM 87111

Phone 505-293-0500

Fax

President Kim Hedrich

CEO Steph Sherrodd

Full-Time Employees 593

Part-Time Employees 10

Branch Locations 15

ATM Locations 13

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.97%

Return on Assets (ROA)

0.1859%

Return on Equity (ROE)

2.0851%

Non-Performing Loans Ratio (NPL)

0.40%

Total Assets

4,597,205,998

Total Amount of Shares and Deposits

3,454,801,172

Total Shares and Deposits < 1 Year

3,034,160,883

Total Shares and Deposits 1 3 Years

388,953,874

Total Shares and Deposits > 3 Years

31,686,415

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

427,977,802

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

427,977,802

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

3,026,823,370

Total Interest Expense (Sum of items 6 8)

40,671,618

Share Certificates

18,068

Number of Accounts for Share Drafts

110,006

IRA KEOGH Accounts

3,984

Number of Accounts for Regular Shares

211,780

Non Member Deposits

Money Market Shares

31,540

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)

30,668,395

Total Liabilities

4,286,804,318

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Sunward earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Sunward

How many branches does Sunward operate?

Sunward 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 Sunward?

Yes, to access services at Sunward, 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, Sunward 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, Sunward provides members with tools to manage their accounts and build a solid financial history.

Does Sunward offer online and mobile banking?

Most modern institutions like Sunward 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.slfcu.org.

Current Sunward Rates

12-Month CD4.00%
24-Month CD4.11%
60-Month CD3.56%
Savings1.35%
MMA5.05%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Sunward Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Sunward Texas Ratio

Sunward Health Trend

Sunward CD Rates

Sunward Business CD Rates

Sunward Savings Rates

Sunward Money Market Rates

Sunward Checking Rates

Sunward Mortgage Rates

Sunward Home Equity & HELOC

Sunward Auto Loan Rates

Sunward RV, Boat and Powersport Loan Rates

Sunward Credit Card Rates

Sunward Personal Loan Rates

Sunward Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Sunward earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Sunward

How many branches does Sunward operate?

Is a member application needed to join Sunward?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Sunward offer online and mobile banking?

Current Sunward Rates

Compare to Other Credit Unions