Students Bank Brighter at Sunmark Credit Union
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Temporary Closure Please be advised that our financial center located at 1616 Broadway, Schenectady, is currently closed due to a water main break. Please visit another financial center or call our Member Solution Center at 866-SUNMARK. We apologize for the inconvenience and thank you for your patience.
When it comes to helping students save smarter, borrow better, and bank brighter, Sunmark Credit Union stands on business.
Online Banking That Keeps Up
Our online and mobile banking tools are built to fit your life, not slow it down. With our digital banking tools, you can:
Download our free app to start banking brighter on the go!
Access Your Money Anywhere with Shared Branching
Not always near one of our financial centers? No worries—you’re still covered. With Shared Branching, you can walk into thousands of participating credit unions across the country and take care of your account like you’re right at home.
Why It’s a Game Changer
Built for real life, whether you’re headed to college, on a trip or just away for the weekend, Shared Branching keeps your money within reach. It’s flexibility that fits your lifestyle.
Build Your Credit with Sunmark
Establishing credit early can help young adults prepare for important financial milestones, such as renting an apartment, setting up utilities, refinancing loans, or completing certain employment applications.
How to Build Credit
- Open Your Own Credit Card
Open a credit card with Sunmark and make payments on time. Opening a credit card and consistently making on-time payments demonstrates responsible credit management to lenders. Because even one late payment can negatively impact a credit score, it is important to stay current with all required payments. - Maintain a Low Balance
Keeping credit utilization below 30% of the available credit limit can help show lenders that credit is being used responsibly. For example, with a $1,000 credit limit, it is best to keep the balance below $300 whenever possible. - Use Credit Strategically
While it is important to keep balances low, using the card consistently for manageable purchases can help build a positive credit history. Smaller recurring expenses, such as gas or dining purchases, may be good options, especially if the card offers rewards for those categories.
Financial Education Starts Here
We’re dedicated to providing products, solutions, and tools that teach healthy saving and spending habits – and as your local financial partner, we’re here to guide you throughout every life stage. Because understanding your money means more freedom, more options, and way less stress.
*Membership required. Student Checking age range is 13-24. Parent/Guardian required as joint account owner for anyone under the age of 18. Offer subject to change without notice and may end at any time. Accounts must be opened during the promotional period beginning August 1, 2026 to be eligible to receive $100.00 credit. Credit will be deposited within 60 days of opening the account. Determination of eligibility for this promotion is based on membership status of primary account owner. New and existing members that don’t have an existing Student Checking account are eligible to open one Student Checking Account. A 1099-INT may be issued. Can be combined with other offers at the discretion of Sunmark. Sunmark Credit Union employees and volunteers, their respective accounts, and immediate family members are not eligible. Restrictions apply. For more details, call 866.SUNMARK.
^A rebate of up to $12 per month will be credited to Student Checking account for domestic ATM surcharges and transaction fees.
