Business Details
50+ Years
experience
Your Trusted Partner for Financial Solutions in Toledo, OH
Founded in 1950 by ten Toledo Sun Oil employees, our credit union began with a simple act of community support: pooling funds in a cigar box to help a member build a home. Over seven decades, we have grown into a 30,000+ member institution while maintaining our core mission of providing personalized financial services. As a not-for-profit organization, we prioritize member relationships over credit scores, offering competitive rates, digital banking tools, and financial education programs.Our commitment to 'People Caring About People' drives every decision, ensuring members receive secure, trustworthy services tailored to their needs. With branches across Ohio and Pennsylvania, we continue to invest in communities through accessible banking solutions and local expertise.
Services
Checking Accounts
Savings Accounts
Auto Loans
Mortgages
Business Banking
Digital Banking
Credit Cards
Personal Loans
Home Equity Loans
Financial Education
Details
- Year established: 1950
Highlights and features
- We offer 70+ years of community-focused financial expertise.
- Our not-for-profit model prioritizes member benefits over profits.
- Competitive rates on loans and savings products are standard.
- Digital banking tools provide 24/7 account access and management.
- We provide personalized financial education and coaching programs.
Associations and certifications
- NCUA
- Excess Share Insurance (ESI)
Services
Checking Accounts
Our checking accounts offer no monthly fees, early direct deposit access, and digital banking tools for convenient financial management. Designed for individuals and businesses, these accounts include features like mobile check deposit and overdraft protection. Members benefit from competitive rates and personalized service tailored to their spending habits.
Auto Loans
We provide reliable auto loans with competitive rates, including a 0.25% discount for qualified applicants during promotional periods. Loans are available for new and used vehicles, with flexible terms up to 48 months for eligible borrowers. Our process emphasizes quick approvals and member-focused financing solutions for reliable transportation.
Digital Banking
Our digital banking platform enables 24/7 account access, bill payment, and real-time transaction monitoring through mobile and web applications. Features include mobile check deposit, card controls via Sun Card$afe, and secure messaging for customer support. This service empowers members to manage finances conveniently from any location.
Home Equity Loans
Home equity loans offer fixed interest rates starting at 6.50% APR for terms up to 25 years, with no closing costs in specified states. These loans allow homeowners to leverage property equity for major expenses while maintaining primary or secondary residence insurance requirements. We provide personalized guidance for responsible borrowing.
Financial Education
We offer free financial education resources, credit score monitoring, and personalized coaching to help members achieve financial health. Programs cover budgeting, debt management, and savings strategies tailored to individual needs. Our services aim to build long-term financial literacy and confidence for all members.
Questions
How do I become a member?
Membership requires a $5 minimum savings deposit. You qualify if you live, work, or attend school in designated Ohio or Pennsylvania counties, belong to sponsor groups, or join the American Consumer Council.
What auto loan rates are available?
New vehicle loans start at 5.49% APR with a 0.25% promotional discount through December 31, 2025. Terms vary based on credit score and vehicle age, with maximum loan-to-value ratios applying.
Is digital banking secure?
Our digital banking uses encryption and multi-factor authentication to protect accounts. Features like Sun Card$afe let you control card usage and receive real-time transaction alerts for added security.
What services are available for businesses?
We offer business checking, savings, credit cards, and loans with dedicated support. Digital tools include payroll services, merchant processing, and cash flow management solutions tailored to business needs.
How do I report a lost card?
Call (800) 472-3272 for debit/ATM cards or (888) 406-4081 for credit cards outside business hours. International cardholders use alternate numbers provided in our contact information.
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