Sunrise Family Credit Union is a not-for-profit financial cooperative, offering the same services as other financial institutions, but with a “people helping people” philosophy. We care about making a difference in your financial wellbeing.

SFCU consistently demonstrates their ability to improve the lives of individuals and families!


Sunrise Family Credit Union has three locations to serve you!

Bay City

404 S. Euclid Ave.

Bay City MI, 48706

989-684-1730 or 800-589-1079 Fax: 989-686-2552

Email: info@sunrisefamilycu.org


190 N. Powell Rd.

Essexville, MI 48732

989-892-1833 Fax: 989-892-7638


3887 S. Huron Rd.

Standish, MI 48658

989-846-9750 Fax: 989-846-9754

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Want more from your credit union?

  • You want to know your money is secure – we can deliver
  • You want fast, friendly service –we specialize in that
  • You want accounts that meet your lifestyle, with no or low-fee services—we’ve got them
  • You want the convenience of managing your money anytime, anywhere—we have that, too

What is a credit union?

By definition, a credit union is a cooperative, not-for-profit financial institution, owned by its members to meet their financial needs. What that means is that as our member and owner, you are our main focus. It is our goal to not just meet your expectations but to exceed them. For instance, we return net earnings to members in the form of lower interest rates on loans and higher dividends on savings and affordable services.

Who is eligible?

You are eligible for membership in SFCU if you meet one of these criteria:

  • Individuals who live, work, or worship in Bay or Arenac Counties, Michigan.
  • Individuals enrolled in grades, K-12, a community college, college, or university located in Bay or Arenac Counties, Michigan.
  • Retirees over the age of 55, receiving a pension or social security and living within Bay, Arenac or a surrounding county.
  • Members of the immediate families of the foregoing.

 Visit any of our locations, and a member service representative will assist you in opening a Membership Savings account.

Important Information about Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We will require valid photo identification(i.e. Driver’s License, State ID card or Passport). If you have any questions about this, or the Patriot Act Disclosures, or if you would like to read the underlying federal law, please to 31 CFR 103.121 (b) or call SFCU -989.684.1730 or 800-589-1079

Attention Members: Sunrise Family Credit Union will never ask for your card information via mail, email, phone or texting. Please be aware.

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Friends and Family- Sign UP Today And You Could Be A Winner Of A $100 SFCU Visa Gift Card!

(1) $100 Visa Gift Card to be given away in January, February and March 2019. You could be a winner when you open a new SFCU account. (1) Entry per Primary Member and apply for (1) of our qualifying services.

To qualify, member must sign up for Home Branch online banking at the time of opening their new account and include (1) of the following services: checking account, ATM or Debt card, direct deposit, a new loan, or Master Card credit card.

You get (2) entries for signing up for (1) of these services: mobile banking, e-statement or e-notifications, bill pay or PopMoney, or mobile Check capture. All online services are for members who have signed up for Home Branch service.

Once a member – Always a member

After joining the credit union, you are a member for life. Whether you change jobs, move out of the area, retire, transfer or leave the field of membership, you may still retain your membership. Tell all your family and friends!

SFCU new membership

63rd Annual Meeting

Our 63rd annual meeting will be held on Friday, March 16, 2019. Board and Supervisory Incumbents running for re-election are David Wolthuis, C.J.Montana, Judy Fletcher and Charles Brown. Any member in good standing, age 18 years and older can place their name for nominations by submitting a petition form with 50 members signatures. petition forms are available at the office in Bay City and must be submitted by Friday, February 15, 2019.

We're looking for volunteers like you! Want to become more involved with your credit union? if so, please consider becoming a volunteer! As a member-owned, not for profit financial cooperative, SFCU relies on members to volunteer their time and efforts to help set the overall course of the credit union. Volunteers play a key role and the contributions they make impact the day to-day functions of our operations, as well as shape the future of our credit union. The SFCU Board of Directors is currently seeking volunteers to serve as Associate Directors and Supervisory Committee members. If, interested, please contact Barb Weiler at 989-684-1730 for details.

 Meet our Board of Directors:

  • Judy Fletcher, Chair
  • Patricia Wilson, Secretary
  • Dave Wolthuis, Treasurer
  • Dave Royal, Director
  • C.J. Montana, Director
  • Dave Hunt, Director
  • Louis Meyette, Director

Meet our Supervisory Committee:

  • Helen Bishop, Chair
  • Charles Brown
  • Kari Gleason

Meet our Credit Committee:

  • Beckie Arnold, Chair
  • Barbara Weiler
  • Michelle Hine
  • Lynn Christensen, Alternate
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