PO BOX 1162
Gainesville, FL 32627

Notable Rates APY Vs.Others
Savings 0.05% 1.96% →
1-Year CD 0.42% 2.02% →
2-Year CD 0.52% 2.02% →
5-Year CD 0.70% 2.02% →
30-Year Mortgage N.A. 3.03% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 3.25% →

2020 Overview

General Credit Union Information

Sunstate is an NCUA insured institution located in Gainesville, FL. It was founded in 1957 and has approximately $478.58 millions in assets.

NCUA Insured Yes
Charter Number # # 11789
Date Established 1957
Assets $478.58 million
Loans $388.49 million
Deposits $417.50 million
Capital $53.72 million

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in Alachua, Columbia, Dixie, Gilchrist or Levy Counties in Florida.

Deposit Rates - April 1, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.02% $10,000 $49,999 Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.30% $1,000 $49,999 Learn MoreShow Less
6 Mo CD
0.32% $50,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.50% $500 - Learn MoreShow Less
Fixed IRA
0.40% $1,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.02% $500 - Learn MoreShow Less

Loan Rates - April 1, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for SUNSTATE

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Morty, Inc.
NMLS ID: 1429243
3.156% 3.125% 0.00 $1,000 $1,071 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

To upload and update your bank's rates please register. It is free to register and add rates.


Below are Sunstate branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Sunstate Locations

Financial Details

Sunstate Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Sunstate. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Sunstate U.S. Average
3.95% 5.86

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2019, Sunstate had $1,611,034 in non-current loans and $610,986 in owned assets. To cover these potential losses it had $53,720,036 in net worth and $2,526,040 in loans loss reserves. That gives it a Texas Ratio of 3.95%.

Net Worth
Sunstate U.S. Average
11.22% 13.65%

Sunstate FCU has a net worth of 11.22% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Sunstate

Branches and Savings

What is Sunstate?

A federal credit union, registered with the NCUA under certificate #11789.
Learn more about credit unions here.

Is Sunstate FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Sunstate?

Please see Field of Membership information above for information on who is eligible to join.

What are Sunstate's share account and share certificate rates?

Sunstate's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Sunstate?

Sunstate has total capital of $53.72 million. Full information on Sunstate's financial position is located above.

Who owns Sunstate?

Credit Unions are owned by their members.

Where are Sunstate branches located?

See branch locations nearby.

Are Sunstate ATMs Open 24/7?

Do Sunstate ATMs accept cash deposits?

Can Sunstate customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Sunstate have a mobile app?

Does Sunstate have mobile deposit?

Does Sunstate have quick pay?

How can Sunstate transfer money to other banks or credit unions?

Does Sunstate report to credit bureaus?

Does Sunstate use Chexsystems?

Does Sunstate use Equifax?

What is Sunstate's toll free phone number?

What is Sunstate's ACH Routing Number?

What is Sunstate's SWIFT code?

Where can I find Sunstate's wire transfer form?

What is the Sunstate address for deposits?

What Products Does Sunstate Offer

Does Sunstate offer mortgages?

Compare mortgage rates here.

Does Sunstate offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Sunstate offer auto and RV loans?

Compare auto loan rates here.

Does Sunstate offer student loans or personal loans?

Compare personal loan rates here.

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