Credit union · NCUA insured
Sunrise Family Credit Union Credit Card Rates
Top CarrotSunrise Family Credit Union credit cards start at 8.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Sunrise Family Credit Union’s credit card rates compare
Compared with banks and credit unions near Bay City, MI, where Sunrise Family Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Sunrise Family Credit Union
8.99%APR
- Up to
- 17.99% APR
Standard MasterCard
Lowest rate
FinancialEdge Credit Union
8.90%APR
- Up to
- 18.90% APR
2nd-lowest rate
United Bay Community Credit Union
8.96%APR
- Up to
- —
Sunrise Family Credit Union credit card score
88
Credit card score
Higher than 82% of U.S. banks and credit unions
- Purchase APRPurchase APR8.99%
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 credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Gold MasterCard
Credit limit $5,000 to $15,000. APR is based on creditworthiness. No annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.99%–17.99% | None | APR for purchases, balance transfers, and cash advances is 8.99% to 17.99% based on creditworthiness. |
| Intro, 12 months | 3.99% | None | Introductory balance transfer rate of 3.99% APR for one year on balances transferred from other high-interest cards to a new SFCU card; transfers from existing SFCU loans/lines of credit are not eligible. |
Sources (3)
- sunrisefamilycu.org/credit-card-disclosures
- sunrisefamilycu.org/credit-cards
- sunrisefamilycu.org/current-rates
All captured Sep 18, 2026
Standard MasterCard
Credit limit $500 to $4,999. Also referred to as Classic MasterCard / Standard MasterCard. APR is based on creditworthiness. No annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.99%–17.99% | None | APR for Purchases: 8.99% to 17.99% based on creditworthiness. Grace period at least 25 days. |
| Intro, 12 months | 3.99% | None | Introductory balance transfer rate: enjoy 3.99% APR for one year on balances transferred from other high-interest cards to a new SFCU card; transfers from existing SFCU loans or lines of credit are not eligible. |
Sources (3)
- sunrisefamilycu.org/credit-card-disclosures
- sunrisefamilycu.org/credit-cards
- sunrisefamilycu.org/current-rates
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.