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New & Used Auto Loans

SFCU offers 100% financing and flexible terms up to 84 months to help keep your payments low.

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Financial Calculators

Make confident financial decisions with our online calculators.

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Become a Member

Enrollment is quick and easy!
Enroll Online or give us
a call at (989) 684-1730.

Get Started

Skip A Payment

Skip the Payment, Not the Memories.

Could you use some extra cash this year? Whether you're planning a vacation, handling holiday expenses, or just need a little extra breathing room, we’ve got you covered. If you have an eligible loan, you have the option to skip your monthly payment and put your mind (and wallet) at ease.

 

How to skip your loan payment:

  1. Download the Form: Click here for the printable Skip-A-Pay application.
  2. Complete the Application: Fill out the form for the qualifying loan(s) you wish to postpone.
  3. Choose Your Delivery: You can MAIL or BRING IT IN to any of our three locations for approval.
  4. Pay the Processing Fee: A small $25 fee applies per eligible loan skipped.
  5. Enjoy Your Extra Cash: Once approved, your payment is deferred to the end of your loan term.

 

Things to Know

  • Frequency: You may skip up to two (2) payments per loan, per calendar year.
  • Eligibility: All loans must be current to qualify. Members must be in good standing (no history of charged-off loans or losses caused to the credit union).
  • Exclusions: To keep our programs sustainable, the following are not eligible:

- Mortgages & Home Equity Loans

- Credit Cards

- EZ Loans & Lines of Credit

- Loans with fewer than 6 months of payment history

Some additional restrictions may apply.

Visit Us or Mail Your Form

Drop off your completed form at the location most convenient for you:

Filter by City

Bay City Branch (Main Office)

404 S. Euclid Ave
Bay City, MI 48706

Get Directions

Phone: (989) 684-1730

(Drive Thru & ATM: 1102 W. Thomas St)
Full-service ATM and deposit machines are available 24/7.

Today's Hours:

Lobby:  9:00 AM – 5:00 PM
Drive Thru:  9:00 AM – 5:00 PM

Hampton Branch

190 N. Powell Road
Essexville, MI 48732

Get Directions

Phone: (989) 892-1833

Full-service ATM and deposit machines are available 24/7.

Today's Hours:

Lobby:  9:00 AM – 5:00 PM
Drive Thru:  9:00 AM – 5:00 PM

Standish Branch

3887 S. Huron Road
Standish, MI 48658

Get Directions

Phone: (989) 846-9750

Full-service ATM and deposit machines are available 24/7.

Today's Hours:

Lobby:  9:00 AM – 5:00 PM
Drive Thru:  9:00 AM – 5:00 PM

 

Thank you for choosing Sunrise Family Credit Union for all your borrowing needs!