Current Rates

*Annual Percentage Rate= APR

**Apply to purchases only. Rates are subject to change at any time. Rates are as low as. Actual APR may be higher based on your credit score. Rates differ for members less than 90 days. no application fees apply. regular SFCU underwriting qualifications apply for approval. Contact SFCU for more details. Interest will continue to accrue if no payment is made. Contact SFCU for more information: 800-589-1079.

*Annual Percentage Rate=APR. APR based on sample loan amount of 25,000, payable in the number of months shown above. Actual APR may be repayment and credit score. Must meet SFCU normal underwriting qualifications for approval. No loan fee applications apply.  Rates may change at any time. Rate is the annual rate of interest. Interest will continue to accrue if no payment is made. Contact SFCU for more details. 800-589-1079.

*Annual Percentage Rate.  APR based on $100,000 loan amount. credit score of 730, and estimated cost of $1,500 in closing fees. Rates may change at any time. Must meet SFCU's normal underwriting qualifications to be approved. Contact SFCU for details. No loan application fees apply. Equal Opportunity Lender. For application. as part of the closing procedures Sunrise  Family Credit Union will acquire a security interest in the property. Payment is calculated on 1.5% of the balance or $20,  which ever is greater. HELOC rates are variable and based on the index rate.

Rates are based Loan To Value (LTV) of 80% For rates on higher LTV's, please contact a Mortgage loan officer 989-671-6014. Interest rate example assume primary residence, estimated closing cost of $1,800.00.*APR=Annual Percentage Rate. Contact us for more information. No application Fees to apply. To get a specific rate, for your individual situation, please contact our Mortgage Department at 989.671-6014. Rates are based on a $100,000 loan amount. Rates and fees may vary based on market conditions and are subject to change at any time. Rates are based on a 30 day lock.

*Annual Percentage Rate **Annual Percentage Yield 

*Require $500 minimum investment for a Certificate of Deposit under $100,000. Rates subject to change. Investment fully insured under the NCUA guidelines. Penalty for early withdrawal or closing. **APY = Annual Percentage Yield. Members would forfeit dividends if accounts closed before accrued dividends are posted. Contact us for more information. ***Bump CD's have option to change rate to current rate once per CD term.

Term: Open ended. Primary Savings minimum Balance $10. Additional Sub-savings-no minimum balance required. Minimum Balance to earn interest $250. Dividend Calculation: Daily balance. Quarterly dividend payment. Quarterly paper statement cycle or monthly e-statement available. Early close fee $10 before 60 days. Reopen fee $10 before 6 months.

Term: October 1 to September 30. Club Accounts may be opened or closed at any time. Automatically renews annually. Automatically disbursement to Primary Share account on October 1. No minimum balance. No minimum deposit. Interest earned on any balance. One (1) withdrawal during term allowed. Additional withdrawals- share must be closed-Christmas club may be reopened October 1. Online deposits allowed. No online withdrawals.

Term: Open end- no limits. Club accounts may be opened or closed at any time. Automatically renews annually. No minimum balance. no minimum deposit. Interest earned on any balance. Withdrawals permitted during June, July, and August. one (1) additional withdrawal during school year allowed. Excess withdrawals-share must be closed until next school term. Online deposits allowed. No online withdrawals.

APY (Annual Percentage Yield)

Certificate Account. Statement cycle is quarterly- Jan-Mar, Apr-Jun, Jul-Sept, Oct-Dec. Term-opened ended. Automatically renew for current rate and term minimum Balance for 3 months $250-6 months or more $1,000. Additional deposits during term: 3 months $250-6 Months or more $500. Early withdrawal penalty one (1) year or less 90 days- one (1) year or more 180 days. Rates are subject to change at any time.

$1,000 minimum, current or New Money for Deposit. Non-renewable

(Minimum deposit of $100. Maximum deposit of $2,500)

Certificate of Deposit Rates subject to change. Investment fully insured under the NCUA guidelines. Penalty for early withdrawal or closing. **APY = Annual Percentage Yield. Members would forfeit dividends if accounts closed before accrued dividends are posted. Contact us for more information.