Credit union · NCUA insured
Sunrise Family Credit Union
Top CarrotA $132.9M credit union headquartered in Bay City, MI, with 11,117 members and 3 branches in Michigan. Best rates: CDs 4.85% and savings 0.60% APY.
Sunrise Family Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 94% of U.S. banks and credit unions
#3 of 16 in Bay City, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Sunrise Family Credit Union
Chartered in 1956 as Bay City Public School Employees Credit Union, the institution was renamed Bay County School Employees Credit Union in 1959, School Employees Credit Union in 1963, and Sunrise Family Credit Union in 1999.
The member-owned credit union operates three branch locations in Bay City, Essexville, and Standish, Michigan.
- Headquarters
- 404 S Euclid Ave, Bay City, MI 48706-3206
- NCUA charter
- 61995
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, worship, work, or attend schools in Bay or Arenac Counties.
- Individuals over the age of 55 who receive social security, a pension, or similar retirement benefits and live in Bay, Arenac, or a county contiguous to Bay or Arenac.
Military, government and schools
- Students enrolled in grades K-12, community college, or university located within Bay or Arenac Counties.
Branches
3 branches in Michigan
Loading map…
Michigan
3 branches
Bay City area · 2
- Sunrise Family Credit UnionMain office404 S Euclid Ave, Bay City, MI 48706Directions
- Essexville Branch190 N Powell Rd, Essexville, MI 48732Directions
Standish area · 1
- Standish Branch3887 S Huron Rd, Standish, MI 48658Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.21% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.07% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.27% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $44 | $76 | — |
- CapitalNet worth ratio9.21%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.07%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.27%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$44Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Sunrise Family Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.