Credit Cards

Q: What is uChoose Rewards?

It is our premier rewards program. You earn points for every dollar spent, which can be redeemed for a huge variety of rewards. It's our way of saying "thanks" for being a member!

Q: How do balance transfers work?

Balance transfers are treated as cash advances, meaning interest begins to accrue the day the transfer posts. While they help consolidate debt, transfers from existing SFCU loans or lines of credit are not eligible for the 3.99% promo rate.

Q: What is the routing number for SFCU?

Our routing and transit number is 272476983.

Brighten Your Wallet.

The Power to Purchase, The Security You Deserve.

For one of the best credit cards around, check out our MasterCard programs. We offer you all the advantages of a world-class credit card paired with exclusive member benefits. Whether you're consolidating high-interest debt into one low monthly payment or making everyday purchases, Sunrise Family Credit Union has the right card for your lifestyle. Discover the perfect credit card for your lifestyle with Sunrise Family Credit Union's MasterCard programs.

Two Sunrise Family Credit Union Credit Cards

Enjoy the benefits of a world-class credit card and exclusive member perks. Whether you need to consolidate high-interest debt into one affordable monthly payment or simply make everyday purchases, we have a MasterCard program that's right for you.

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Our MasterCard Lineup

We offer two tiers of cards designed to fit your financial needs, both featuring competitive rates and no annual fees.

Feature	Classic MasterCard	Gold MasterCard
Credit Limit	$500 – $4,999	$5,000 – $15,000
Annual Fee	$0	$0
Purchase APR	8.99% – 17.99%*	8.99% – 17.99%*
Rewards	uChoose Rewards^®	uChoose Rewards^®
Digital Wallet	Integrated with Apple Pay™, GooglePay and Samsung Pay	Integrated with Apple Pay™, GooglePay and Samsung Pay
*Annual Percentage Rate based on creditworthiness. View MasterCard Disclosures

Credit Building Solutions: MasterCard Secured

If you are new to credit or working to rebuild your financial history, our Secured MasterCard is the ideal tool.

Your credit limit is secured by funds held in your SFCU deposit account.
It is an excellent way to establish and maintain a positive payment history.
Contact us to request a Secured Application.

Exclusive Member Benefits

Boost your purchasing power with a hassle-free card that keeps things simple: no hidden fees, no tricks, and no gimmicks.

Introductory Balance Transfer Rate: Enjoy 3.99% APR for one year on balances transferred from other high-interest cards to a new SFCU card.
25-Day Grace Period: Avoid finance charges by paying your purchase balance in full within 25 days.
No Cash Advance Fees: SFCU does not charge a fee for cash advances (interest accrues from the date of the advance).

uChoose Rewards®: Earn points every time you shop and redeem them for travel, gift cards, or merchandise.
Sunrise CardSecure+: Real-time fraud alerts via text, email, or phone. If we spot suspicious activity, we’ll block the card instantly for your protection.
Travel Protection: Includes EMV smart chip technology and emergency assistance.

Managing Your Account

Quick Contact Information

Situation	Phone Number	Details
Lost or Stolen Card	(844) 356-9361 or (989) 684-1730	Call immediately.
Change Your Pin	(844) 356-9361	You will need your card number, zip code, and the 3-digit CVC code.
Important Notices & Convenience: Travel Notice: Traveling outside the U.S.? Inform us before your departure to ensure your card remains active for international purchases.You can even do it through your Sunrise CardSecure+ on the app. Payment Convenience: Pay your bill easily at any SFCU branch, over the phone, or through our Mobile & Online Banking. Credit Line Increase: Request a review of your account for a higher spending limit.

FAQs

What is uChoose Rewards?

How do balance transfers work?

What is the routing number for SFCU?