Sunkist Employees Federal Credit Union
Serving all Sunkist* Affliliates
MEMBER BUSINESS HOURS
MONDAY 9 AM-3:30 PM
TUESDAY 9 AM-3:30 PM
WEDNESDAY 9 AM-3:30 PM
THURSDAY 9 AM-3:30 PM
FRIDAY 9 AM-3:30 PM
SATURDAY CLOSED
SUNDAY CLOSED
Credit Union will be closed on these Holiday Dates
THURSDAY, NOVEMBER 28, 2024 IN OBSERVANCE OF THANKSGIVING DAY
FRIDAY, NOVEMBER 29, 2024 IN OBSERVANCE OF THANKSGIVING DAY
TUESDAY, DECEMBER 24, 2024 IN OBSERVANCE OF CHRISTMAS EVE
WEDNESDAY, DECEMBER 25, 2024 IN OBSERVANCE OF CHRISTMAS DAY
TUESDAY, DECEMBER 31, 2024 IN OBSERVANCE OF NEW YEARS EVE
The end of the year sales are just around the corner! Be one step ahead by getting preapproved with a lower rate with us. This is your chance to secure a great deal and drive away in the car you've always wanted. Don't wait—start the process today!
Looking to buy a car?
Don't let holiday expenses
stress you out!
Exciting news! We are thrilled to announce our holiday special: a fantastic of $2000 with a 12-month term at a competitive rate of 9%. Enjoy the convenience of manageable monthly payments of just $174.88. Don’t miss out on this limited-time opportunity to make your holiday season brighter!
Discover exciting range of holiday
cards at your credit union!
Stop by today to explore more unique designs that are perfect for spreading cheer this season. Don't miss out on finding the ideal card for your loved ones!
BORROW UP TO $10,000.
LOW FIXED RATES
Eliminate high-interest, stress debt with low fixed rates starting at 9.49% APR.
At our credit union, we offer personal loans to help you address a variety of needs. We can help you consolidate debt, make home improvements, repair a car, cover medical emergencies, or celebrate special life events. Our personal loans offer lower rates than high-interest credit cards, so you can save money while addressing your financial needs. Apply today to get the money you need quickly and easily.
CHECK OUT ALL THE LOANS WE HAVE TO OFFER!
Savings and Loans
SAVINGS
Membership
Becoming a member today gives you lifetime membership. You also become an owner of our credit union when you open a share account. Membership is available to all employees of Sunkist Growers and their affiliates: Growers and their employees, Packinghouses and Exchanges, and fruit trucking companies. As long as a member maintains the minimum balance in their Regular Share account they will remain a member for life, regardless if they leave the Sunkist family.
Regular Share Account
A $25 minimum balance must remain on deposit for the duration of membership. A $5 one-time membership fee will be accessed to open this account. Limited to six Regulation D transfers per month. Members may have money deposited directly into their account with Direct Deposit or payroll deduction through their employer. Statements are sent quarterly. This account earns a competitive monthly dividend on balances above $50.
IMPORTANT INFORMATION TO OPEN A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means to you:
When you open an account, we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
Holiday Club Account
If you’re looking for a great way to save for the holidays our Holiday Club Account is perfect. Deposit money by payroll deduction, check, or cash and watch it grow. Your Holiday Club Account may be opened at any time. Funds will be disbursed to you on or about the first week of November. The account will automatically remain open for your continuing deposits. No additional withdrawals are permitted; however, if a withdrawal is necessary, the account will be closed until the next enrollment period. Dividends on this account are earned monthly.
Share Certificates
Share Certificates are a type of savings account with a fixed rate and term. The interest rate is set at the time the account is opened and remains the same throughout the term. Lock in a higher dividend rate with your choice of a 3, 6 or 12 month certificate. Dividends are paid upon maturity of the certificate.
Loans
We have loans for every need and making affordable loans is important to us. Our competitive low rates and terms give every member an opportunity to build good credit history with us. Using payroll deduction or Direct Deposit through your employer makes the payment process easy. Best of all there is no early payoff penalty. You can print a loan application and return it to us by mail, fax or in person. All applications need to be accompanied with copies of your two most current payroll stubs or qualifying proof of income.
Loans
New Auto Financing on new purchase or new refinance within a 6 month period, up to 72-month term; pre-approval recommended
Used Auto Financing on new purchase or refinance, up to 60 month term and dependent on current mileage of auto, up to 10 years
Signature Loans (Personal)
Get a personal loan for just about anything: major household purchases or repairs, medical and dental expenses, auto repairs and/or tires, vacation, etc. Term up to 48 months with maximum limit of $20,000.
Share Secured Loans
Borrow from yourself at our lowest rate and keep your savings in your account.
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Borrow up to 100% of the balance in your savings account
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Fixed APR+ is 3.50% APR above current savings dividend rate
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Funds on deposit continue to earn dividends
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No borrower qualifications
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Term up to 60 months
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A great way to establish credit with a secured loan
"QUICK CASH" - Short Term Small Loan
If you need a small amount of cash in a hurry, apply for our "Quick Cash" loan. Want it at "lighting speed?" We can load it to your Prepaid VISA Debit Card. Loan requirements are as follows:
-> Must have 6 months employment with your current employer
-> A member of the Sunkist EFCU at least 2 months
-> $20 non-refundable application fee will apply
-> Payment will include a separate deposit of $5 per pay period.
Amount and Terms as follows:
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$300 for 2 months at 20% APR
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$500 for 3 months at 20% APR
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$800 for 4 months at 20% APR
Sunkist is a registered trademark of Sunkist Growers, Inc.
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Accounts federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. NCUA, National Credit Union Administration, a U.S. Government Agency.
Our mission is to provide our member owners with quality financial products and services through dedicated personal attention