Sunrise Family Credit Union


Overview / Commentary
989-684-1730
404 S Euclid Ave
Bay City, MI 48706

Sunrise Family Credit Union is headquartered in Bay City and is the 98th largest credit union in the state of Michigan. It is also the 1,556th largest credit union in the nation. It was established in 1956 and as of March of 2025, it had grown to 33 employees and 10,230 members at 3 locations. Sunrise Family Credit Union's money market rates are 2X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, or attend school in Arenac or Bay Counties in Michigan. Membership is also open to retirees over the age of 55 who receive a pension or social security and live in Arenac or Bay Counties.
See current membership details

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Health
B+

Health Grade Components

Overall
NCUA #61995
Year Chartered1956
Employees33
Primary Regulator
Profit Margin
Return on Assets - YTD-0.03%
Return on Equity - YTD-0.33%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$137.6MM$135.8MM
LoansQ1 2025vs Q1 2024$45.6MM$47.1MM
DepositsQ1 2025vs Q1 2024$126.4MM$125.3MM
Equity CapitalQ1 2025vs Q1 2024$10.7MM$8.7MM
Loan Loss AllowanceQ1 2025vs Q1 2024$185K$162K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$133K$157K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Sunrise Family Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.95%*$25k*-Money Market
OTHER TIERS: 0.50% $2k - $10k | 0.60% $10k - $25k

Sunrise Family Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.95%$1k-60 Month CD
0.85%$1k-48 Month CD
0.75%$1k-36 Month CD
0.50%$1k-24 Month CD
0.40%$1k-12 Month CD
0.40%$25-12 Month Save to Win CD
0.40%$100$2.5k6 Month Young Savers CD - New Money only
0.20%$1k-6 Month CD
0.05%$250-3 Month CD

Sunrise Family Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.95%*$25k*-IRA Share Account
OTHER TIERS: 0.50% $250 - $10k | 0.60% $10k - $25k
0.95%$1k-60 Months IRA
0.85%$1k-48 Month IRA
0.75%$1k-36 Month IRA
0.50%$1k-24 Month IRA
0.40%$1k-12 Month IRA
0.20%$1k-6 Month IRA
0.05%$250-3 Month IRA
Locations


Sunrise Family Credit Union Locations
Branch Office3887 S Huron RdStandish, MI 48658-9474
Branch Office190 N Powell RdEssexville, MI 48732-1715
Branch Office404 S Euclid AveBay City, MI 48706-3206

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