Credit union · NCUA insured
Sunrise Family Credit Union Auto Loan Rates
Top CarrotSunrise Family Credit Union auto loans start at 5.25% APR for a new vehicle and 5.25% for a used one. Rates checked October 16, 2026.
How Sunrise Family Credit Union’s auto loan rates compare
Compared with banks and credit unions near Bay City, MI, where Sunrise Family Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Sunrise Family Credit Union
5.25%APR
- Terms
- 62–73 months
- Discount
- None included
New & Used Auto Loans
Lowest rate
GREAT LAKES
4.39%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
2nd-lowest rate
Lake Huron Credit Union
4.49%APR
- Terms
- up to 84 months
- Discount
- None included
Sunrise Family Credit Union auto loan score
77
Auto loan score
Higher than 44% of U.S. banks and credit unions
- New vehicleNew5.25%
- Used vehicleUsed5.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Sunrise Family Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Motorcycle Loans
| Terms | APR | Conditions |
|---|---|---|
| up to 61 months | 6.70% | Rates as low as; Titled motorcycles. May be higher based on credit score. |
| up to 73 months | 7.70% | Rates as low as; Titled motorcycles. May be higher based on credit score. |
Sources (2)
All captured Oct 5, 2026
New & Used Auto Loans
Offers up to 100% to 120% financing and flexible terms up to 84 months. No application fees. Rates apply to purchases only and are as low as based on creditworthiness/underwriting qualifications. Rates differ for members of less than 90 days. Interest accrues from date loan is funded.
| Terms | APR | Conditions |
|---|---|---|
| up to 61 months | 5.25% | Model years 2023 - 2026. Rate is as low as based on credit score. Applies to purchases only. |
| 62–73 months | 5.25% | Model years 2023 - 2026. Rate is as low as based on credit score. Applies to purchases only. |
| 74–84 months | 5.50% | Model years 2023 - 2026. Rate is as low as based on credit score. Applies to purchases only. |
| up to 61 months | 5.75% | Model years 2018 - 2022. Rate is as low as based on credit score. Applies to purchases only. |
| 62–73 months | 6.00% | Model years 2018 - 2022. Rate is as low as based on credit score. Applies to purchases only. |
| up to 61 months | 6.25% | Model years 2015 - 2017. Rate is as low as based on credit score. Applies to purchases only. |
| up to 73 months | 7.00% | Model years 2015 - 2017. Rate is as low as based on credit score. Applies to purchases only. |
| up to 37 months | 6.50% | Model years 2014 & Older. Rate is as low as based on credit score. Applies to purchases only. |
| up to 61 months | 7.00% | Model years 2014 & Older. Rate is as low as based on credit score. Applies to purchases only. |
Sources (3)
All captured Oct 5, 2026
Who can join Sunrise Family Credit Union
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.
Membership information collected October 5, 2026.