Credit union · NCUA insured
Sunrise Family Credit Union CD Rates
Top CarrotSunrise Family Credit Union’s best CD rate is 4.85% APY on a 7-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Sunrise Family Credit Union’s CD rates compare
Compared with banks and credit unions near Bay City, MI, where Sunrise Family Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Sunrise Family Credit Union
4.59%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $498
Certificate Account
2nd-highest rate
Lake Huron Credit Union
4.50%APY
- Term
- 24 months
- Minimum
- —
- Earns on $10,000
- $920
3rd-highest rate
United Financial Credit Union
4.40%APY
- Term
- 16 months
- Minimum
- $500
- Earns on $10,000
- $591
Sunrise Family Credit Union CD score
94
CD score
Higher than 96% of U.S. banks and credit unions
- 3–8 months3–8 mo4.33%
- 9–15 months9–15 mo4.59%
- 16–30 months16–30 mo4.07%
- 31–60 months31–60 mo2.00%
- QualifiedQualified4.59%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Sunrise Family Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificate Account
Up to 4.59%APY · 10 terms
Automatically renews on maturity date for current rate and term (except specials which are non-renewable). Statement cycle is quarterly (Jan-Mar, Apr-Jun, Jul-Sept, Oct-Dec). Additional deposits permitted during term ($250 for 3 months, $500 for 6 months or more). Early withdrawal penalty: 90 days for 1 year or less, 180 days for 1 year or more. CD specials require new money only.
| Term | APY · $1,000 and up | APY · $75,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsMinimum balance $1,000 for 6 months or more. Additional deposits during term minimum $500. Early withdrawal penalty 90 days dividend | 1.25% | — | 1.25% | $62 |
| 7 months7 Month SPECIAL. New money only. $75,000 minimum deposit. Non-renewable. Early withdrawal penalty 90 days for 1 year or less | — | 4.85% | —4.85% from $75k | — |
| 8 months8 Month SPECIAL. New money only. $1,000 minimum deposit. Non-renewable. Early withdrawal penalty 90 days for 1 year or less | 4.33% | — | 4.33% | $287 |
| 12 monthsMinimum balance $1,000 for 6 months or more. Additional deposits during term minimum $500. Early withdrawal penalty 90 days dividend | 1.45% | — | 1.45% | $145 |
| 13 months13 Month SPECIAL. New money only. $1,000 minimum deposit. Non-renewable. Early withdrawal penalty 180 days for 1 year or more | 4.59% | — | 4.59% | $498 |
| 24 monthsMinimum balance $1,000 for 6 months or more. Additional deposits during term minimum $500. Early withdrawal penalty 180 days dividend | 1.50% | — | 1.50% | $302 |
| 25 months25 Month SPECIAL. New money only. $1,000 minimum deposit. Non-renewable. Early withdrawal penalty 180 days for 1 year or more | 4.07% | — | 4.07% | $867 |
| 36 monthsMinimum balance $1,000 for 6 months or more. Additional deposits during term minimum $500. Early withdrawal penalty 180 days dividend | 1.75% | — | 1.75% | $534 |
| 48 monthsMinimum balance $1,000 for 6 months or more. Additional deposits during term minimum $500. Early withdrawal penalty 180 days dividend | 1.95% | — | 1.95% | $803 |
| 60 monthsMinimum balance $1,000 for 6 months or more. Additional deposits during term minimum $500. Early withdrawal penalty 180 days dividend | 2.00% | — | 2.00% | $1,041 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Young Saver's Certificate
0.40%APY · 1 term
Available for members age 21 and younger. Minimum deposit $100.00, maximum deposit $2,500. New money only. Additional deposits of at least $100.00 permitted at any time. Penalty for early withdrawal or closing.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsSpecial certificate for young investors age 21 and younger. New money only. Additional deposits of at least $100 can be added at anytime up to $2,500 maximum deposit | 0.40% | — |
Sources (2)
All captured Oct 16, 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.