Sunrise Family Credit Union Savings & Money Market Rates

How Sunrise Family Credit Union’s savings 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
0.60%APY
Requires
None
Minimum
$2,000
Earns on $10,000 a year
$60
Insured Money Market (IMMA)
Top rate
FinancialEdge Credit Union
4.00%APY
Requires
Monthly account activity
Minimum
—
Earns on $10,000 a year
$400
FinancialEdge Credit Union rates
2nd-highest rate
Huntington Bank
3.25%APY
Requires
Another account
Minimum
$100
Earns on $10,000 a year
$325
Huntington Bank rates

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Savings score

Higher than 52% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.01%
$10,000 balance$10,0000.60%
$100,000 balance$100,0001.75%
QualifiedQualified0.60%

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.

How the score works →

Where Sunrise Family Credit Union ranks

By savings score, in each area where it has branches

Every rate

Current savings rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Insured Money Market (IMMA)

0.60%APY$2,000 to open

Minimum deposit $100.00; minimum withdrawal $500.00. Maximum of 3 withdrawals per month ($25.00 fee per withdrawal if exceeded). Requires $10.00 par value share in Share Savings for membership.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
$2,000 – $9,999	0.50%	—
$10,000 – $24,999	0.60%	$60
$25,000 – $49,999	0.80%	—
$50,000 – $99,999	1.25%	—
$100,000 and up	1.75%	—

Sources (3)

All captured Oct 5, 2026

Share Savings

0.01%APY$10 to open

Primary Savings minimum balance $10. Minimum balance to earn interest $250. Dividend calculation: daily balance, quarterly dividend payment. Quarterly paper statement cycle or monthly e-statement available. Early close fee $10 before 60 days; reopen fee $10 before 6 months. One share ($10.00 par value) required for membership. Maximum 6 transfers/month.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$250 and upMinimum balance to earn interest $250. Daily balance calculation, quarterly payment.$250 and up	0.01%	$1	Minimum balance to earn interest $250. Daily balance calculation, quarterly payment.

Sources (2)

All captured Oct 16, 2026

Special-purpose accounts

IRA Share Account

0.20%APYIRA

Available as Traditional, Roth, and Coverdell accounts. Designed for long-term retirement and education savings. Monthly Fees: $0. NCUA insured up to $250,000. Funds subject to IRS withdrawal rules and potential penalties. Members forfeit dividends if accounts closed before accrued dividends are posted. Fees may reduce earnings.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$250 – $9,999Investment $250 - $9,999. Monthly fee $0. Dividends forfeited if closed before posting.	0.15%	—	Investment $250 - $9,999. Monthly fee $0. Dividends forfeited if closed before posting.
$10,000 – $24,999Investment $10,000 - $24,999. Monthly fee $0. Dividends forfeited if closed before posting.	0.20%	$20	Investment $10,000 - $24,999. Monthly fee $0. Dividends forfeited if closed before posting.
$25,000 and upInvestment $25,000 & up. Monthly fee $0. Dividends forfeited if closed before posting.	0.25%	—	Investment $25,000 & up. Monthly fee $0. Dividends forfeited if closed before posting.

Sources (2)

All captured Oct 16, 2026

Christmas Club

0.07%APY · 1 termClub

Term runs October 1 to September 30. Automatically renews annually. Automatic disbursement to Primary Share account on October 1 / first week of October. No minimum balance or deposit. Interest earned on any balance. One withdrawal allowed during term; additional withdrawals require share closure and may be reopened October 1. Online deposits allowed; no online withdrawals.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
12 monthsInterest earned on any balance. No minimum balance or deposit. No monthly fees. Term is 12 months (Oct 1 - Sep 30)	0.07%	$7

Sources (4)

All captured Oct 5, 2026

Bright Start

0.05%APYKids and teens

Savings account for children. Requires child's date of birth, Social Security number, and parent/guardian signature. No monthly fees. Includes $25 annual birthday bonus during birth month, free piggy bank, milestone coin saver folder, $5 bonus for A's on report cards (in-branch), and Treasure Chest prize at $100 savings. Interest rate of 0.05% APY is subject to change.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceHigher savings interest rate of 0.05% APY subject to change. No monthly fees.Any balance	0.05%	$5	Higher savings interest rate of 0.05% APY subject to change. No monthly fees.

Sources (1)

sunrisefamilycu.org/nextgen-youth-accounts · captured Oct 16, 2026

Teachers Club

0.05%APYClub

Open-ended term with no limits. Designed for school employees/educators. Automatically renews annually. No minimum balance or deposit. Interest earned on any balance. Withdrawals permitted June, July, and August; one additional withdrawal during school year allowed. Excess withdrawals require share closure until next school term. Online deposits allowed; no online withdrawals.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceInterest earned on any balance. No minimum balance or deposit.Any balance	0.05%	$5	Interest earned on any balance. No minimum balance or deposit.

Sources (4)

All captured Oct 5, 2026

Vacation Club

0.05%APYClub

No minimum balance or deposit required. Interest earned on any balance. Customizable payout month transferred to primary share account. No additional withdrawals outside designated transfer month. Automatically renews annually. Online deposits allowed; no online withdrawals.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceInterest earned on any balance. No minimum balance or deposit. No monthly fees.Any balance	0.05%	$5	Interest earned on any balance. No minimum balance or deposit. No monthly fees.

Sources (4)

All captured Oct 5, 2026

Closed to new customers

Sub Savings Account

0.01%APY

Once membership is established, multiple sub savings accounts can be opened. No monthly fee. No minimum balance required. $250 minimum balance required to earn dividends. Dividends paid quarterly.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$250 and upNo minimum balance required to maintain; $250 minimum balance required to earn dividends. Dividend rate shared with Share Savings.$250 and up	0.01%	$1	No minimum balance required to maintain; $250 minimum balance required to earn dividends. Dividend rate shared with Share Savings.

Sources (2)

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.

Check membership requirements ↗Branches and institution details

← Sunrise Family Credit Union overview

How Sunrise Family Credit Union’s savings rates compare

Sunrise Family Credit Union savings score

Current savings rates

Insured Money Market (IMMA)

Share Savings

Special-purpose accounts

IRA Share Account

Christmas Club

Bright Start

Teachers Club

Vacation Club

Closed to new customers

Sub Savings Account

Who can join Sunrise Family Credit Union

Where you live or work

Military, government and schools