Sun Community Federal Credit Union

Get your home renovations started! Home Equity Line of Credit (HELOC) If you already have a low rate on your first mortgage, or you’ve already paid off your loan, refinancing may not make sense for you. However, a HELOC is an option to tap into your equity to pay for a home renovation without refinancing. It works a lot like a credit card in the sense that it has a set limit that you can borrow against. However, since the loan is secured by your home, you’ll get a much lower ...interest rate than a credit card. Home Equity Loan (HE-LOAN) A home equity loan is another option for homeowners to tap into their equity to pay for renovations without refinancing their entire mortgage. Unlike a HELOC, which is a line of credit that you can borrow against as needed, this type of loan requires you to take out all the cash at one time. But since it is a fixed rate loan, the interest rate on a home equity loan is typically higher than an adjustable rate of a HELOC. Home equity loans are also commonly called second mortgages because many homeowners get them in addition to their first mortgage. However, you don’t need a first mortgage to get a home equity loan. Which ever method you use, it is always a good idea to START WITH SUN! Schedule an appointment with one of our Member Service Representatives to discover other ways we can help with your home renovations. #Shineon #HELOC #HELOAN

6 Creative ways to fund your next home renovation! Many things about home renovation are flexible. You can always change wall colors or nudge a wall another six inches. But one thing is certain: you need money. Not a single nail gets hammered or PEX line laid or wire run or foundation poured without money. So what are your options?... https://www.zillow.com/mortga/6-ways-fund-home-renovations/

Dear Holtville Members, We are coordinating to replace the current Holtville ATM today, Wednesday, January 20th, for that reason our ATM will be unavailable throughout the day, but should be ready to use by tomorrow, Thursday, January 21st. You can visit our nearest branch in El Centro or Calexico, both with a walk up and drive up ATM for your access. You can always make no charge withdrawals at Holtville’s 7 Eleven ATM or look up your nearest surcharge free ATM at www.co-opc...reditunions.org/locator We are excited to finally announce the re-opening of our Holtville branch, Monday, February 8, 2021. We will continue to support and invest in the community as these current times permits, as we are planning to open the new Holtville location in summer of 2021. This new location will allow us to better serve our members and the community of Holtville in support of our vision. To be the most trusted and respected financial institution in the communities we servebecause we care! Sun is grateful for your membership and support of your credit union and looking forward to the future. Shine On!

We proudly celebrate Teresa Valenzuela’s 30 year anniversary working at Sun! Teresa has always been a passionate employee and an exemplar representative of Sun in our community. All that have had the opportunity to work along her side have witnessed the hard working individual she is. We are grateful for all the contributions Teresa has made during this time, as we are sure Sun would not be the same place without her.... Happy Anniversary Teresa!

Consolidate -> Save -> Boost! Our friends at Credit Karma agree that consolidating your debt can save you a ton! -- Not only that, but it can also help you boost your credit score. Sounds like a double win if you ask us! Reach out to us to learn more about consolidation. Book an appointment with one of our Member Service Representatives and see how we can help you consolidate your debt, save you money, and boost your credit score! #Shineon... Book now: booknow.suncommunityfcu.org/service https://www.creditkarma.com//how-debt-consolidation-affect

If there are children in your family, the app "Message From Santa" can app could totally be your Christmas secret weapon a personalized video message or a phone call from the big man himself! But that’s not all the app also allows you to set up a child profile with their name, photo and favorite things to do, so that they can call Santa themselves, send him texts or leave voicemail. Amaze your little ones and encourage good behavior all year long with this cool little app. Check out this top 10 list of Christmas apps that'll bring you some Christmas fun! https://www.actitime.com/software-collections/christmas-apps

Happy Thanksgiving! In celebration of Thanksgiving Day, our branches will be closed Thursday, November 26 and Friday November 27th, 2020. For your convenience, you can still access your account anytime through Online Banking or by downloading our mobile application. We wish you a safe and fun Thanksgiving Day!

We would like to thank all of our members and our branch staff in helping to collect a total of $4000 in donations for the @rmhcsandiego! The Ronald McDonald House of Charities has helped many families in our communities during their child’s medical emergencies and we are thankful for that. Check out their Instagram and Facebook profiles to learn more about what they do to change lives! #shineon

Thanksgiving Week. This week is all about giving thanks and recognizing all the good things we have. Because of this, the spirit of giving back starts to illuminate. Let your light #SHINEon! ... https://www.smartaboutmoney.org//Creative-Ways-to-Give-Back See more