Credit Card Application
You have the option to close your loan at Main Office, Hampton Office or Standish Office.
How we will Calculate Your Balance:
We use a method called "average daily balance" (including new purchases)."
Effective Date:
The information about the costs of the card described in this application is accurate as of June 2, 2023. This information may have changed after the date. To find out what may have changed, contact the Credit Union (800) 589-1079.
For California Borrowers, the Standard MasterCard and Gold MasterCard are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.
Notice to New York Residents:
New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. The New York State Department of Financial Services may be contacted at 1-800-342-3736 or www.dfs.ny.gov.
Other Fees & Disclosures:
Late Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making a payment.
Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.
Card Recovery Fee:
None.
Card Replacement Fee:
$10.00.
Document Copy Fee:
$2.00.
Emergency Card Replacement Fee:
$25.00.
PIN Replacement Fee:
None.
Rush Fee:
$25.00.
Statement Copy Fee:
$2.00.
Unreturned Card Fee:
None.
These are costs associated with the use of a credit card information about costs, rates and fees may be contained in disclosures provided with this application or by calling us toll-free or collect at (800) 589-1079 or writing to us at the address stated: Sunrise Family Credit Union, 404 S. Euclid Ave., Bay City, MI 48706 fax: (989) 686-2552 www.sunrisefamilycu.org
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