Business Details
50+ Years
experience
Your Trusted Credit Union in Toledo, OH
Sun Federal Credit Union was founded in 1950 by ten Toledo Sun Oil employees who pooled funds in a cigar box to support a colleague denied a loan by a local bank. Today, we serve over 30,000 members, offering personal service and competitive rates while prioritizing community investment. Our not-for-profit model focuses on members' financial well-being over credit scores. We provide digital banking, financial education, and personalized coaching. Our mission remains rooted in the principle of 'People Caring About People,' ensuring lifetime relationships through secure, trustworthy services.We specialize in checking and savings accounts, auto loans, home equity loans, and credit cards with member-centric benefits. Our commitment to underserved communities in Ohio and Pennsylvania reflects our founding values. With 24/7 digital access and physical branches across Toledo and Philadelphia, we combine convenience with local expertise. Our team emphasizes transparency, no hidden fees, and financial empowerment for individuals and businesses alike.
Services
Checking Accounts
Savings Accounts
Auto Loans
Home Equity Loans
Credit Cards
Digital Banking
Financial Education
Personal Loans
Business Banking
Certificate Programs
Details
- Year established: 1950
Highlights and features
- We prioritize community investment and member financial well-being over credit scores.
- Our not-for-profit model ensures competitive rates and no hidden fees.
- We offer 24/7 digital banking with personalized financial coaching tools.
- Founded in 1950, our legacy combines local expertise with modern financial solutions.
- We serve underserved communities in Ohio and Pennsylvania with inclusive membership.
Associations and certifications
- NCUA
Services
Checking Accounts
Our checking accounts offer no monthly fees, early direct deposit access, and digital wallet integration. Members benefit from free online bill pay, mobile check deposit, and nationwide ATM access through partnerships. Designed for everyday financial management, these accounts support budgeting tools and overdraft protection options.
Auto Loans
We provide competitive auto loans with rates as low as 5.49% APR, including a 0.25% discount for qualified applicants. Loans are available for new and used vehicles, with flexible terms up to 48 months for eligible borrowers. Our process includes pre-approval assistance and refinancing options.
Home Equity Loans
Home equity loans start at 6.50% APR with terms up to 25 years. We offer both fixed-rate loans and lines of credit for primary or secondary residences. Borrowers receive personalized guidance on loan-to-value ratios and repayment strategies tailored to their financial goals.
Digital Banking
Our digital platform enables 24/7 account management, including mobile check deposit, bill payment, and real-time transaction alerts. Features include budgeting tools, credit score monitoring, and secure messaging with financial advisors for comprehensive money management.
Financial Education
We offer free financial literacy resources, including webinars on budgeting, debt management, and investment basics. Members access personalized coaching sessions and calculators to improve credit health and plan for long-term financial stability.
Questions
How do I become a member of Sun Federal Credit Union?
Membership requires a $5 minimum deposit and eligibility through employment, residence in designated Ohio or Pennsylvania counties, or affiliation with sponsor groups.
What loan options are available for first-time car buyers?
We offer auto loans starting at 5.49% APR with no prepayment penalties and flexible terms up to 48 months for qualified applicants.
Can I access my accounts outside business hours?
Yes, our digital banking platform provides 24/7 access to account management, bill payment, and mobile check deposit features.
Are there fees for using ATMs outside your network?
We offer surcharge-free access to AllianceOne and CU$ ATMs nationwide, with deposit-taking capabilities at select locations.
What financial education resources do you provide?
We offer free webinars, budgeting calculators, and one-on-one coaching sessions to help members improve credit health and financial literacy.
How do I report a lost or stolen debit card?
Call (800) 472-3272 immediately to report lost/stolen cards, available 24/7, with international support numbers provided for overseas travel.
Videos
Reviews (4)
Margaret S.
Mar 31, 2021
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I've been doing business with this credit Union since 1982 even when I was working at quarter masters Always been a nice place to do business with
Linda Mishinski
Jun 05, 2020
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I took a loan through SUN for my vehicle. When I paid off the vehicle loan I received a letter stating such however they never sent me the title. I was told they never received the title from the dealer and I would need to go to MV to get a duplicate copy. I find this to be unacceptable, I now have to pay again for a title I paid for when I purchased the vehicle. Poor service, I will never use this Credit Union again.
Liz W.
Dec 23, 2017
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First I would like to say Joan and a retired Teller ( either Eileen or Elaine) were absolutely about costumer service . Unfortunately Our Joan is the only respectful, thorough, kind hearted person behind the desk? Let me back up; I had been a member of a different credit through my an EX Employer. When I moving 1/2 way across the state I called to cancel my acct. and was told a check of with my remaining funds would be mailed to me. Instead 4 weeks later when I visited my parents I received information on a Nissan Pathfinder ( which was purchased by the employee that was to close my acct). So a
John Lord
Jul 29, 2017
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Kaitlin, who opened my account was extremely helpful... And the first time I went in to make a transaction on my account, she was there again and once again was very helpful. So every experience that I've had there was a good one...
