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New & Used Auto Loans

SFCU offers 100% financing and flexible terms up to 84 months to help keep your payments low.

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Financial Calculators

Make confident financial decisions with our online calculators.

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Enrollment is quick and easy!
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a call at (989) 684-1730.

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Signature Loans

Brighter Solutions for Every Need.

Personal Loans Designed for Your Life.

It’s time for a fresh start! Whether you want to consolidate high-interest debt or need extra cash to achieve a specific goal, Sunrise Family Credit Union is here to help.

For over 60 years, we’ve been dedicated to providing sound financial services that meet the needs of our members and their families. Because family matters to you—and you matter to us!

Apply for a Personal Loan

Features

Everyone reaches a point where they need a little extra help with the unexpected or a boost toward a dream.

Our Personal Loans offer:

  • Fixed payments to make monthly budgeting simple and predictable.
  • No prepayment penalties—pay your loan off as early as you like.
  • Competitive fixed rates that beat the big-box banks.
  • Low-cost payment protection for added peace of mind.
  • Versatile use: Perfect for furniture, vacations, tuition, home repairs, taxes, or bill consolidation.

Current Rates

Personal Loans
Effective Date: Wednesday, July 22nd, 2026
DescriptionLoan Term/DetailsAPR (Annual Percentage Rate) based on as low asInterest RateLoan Feature
Share-Secure Loan Up to 60 Months +2.99% Share Rate + Margin Uses Savings as Collateral
Share-Secure CD Loan CD Like Term +3.00% Share Rate + Margin Build Credit Safely
Signature Loan Up to 60 Months 11.90% 11.75% No Collateral Needed
Signature Loan Up to 60 Months Rate as low as 9.99% 9.99% Long-Term Flexibility
*APR=Annual Percentage Rate. Rates listed represent our best rates and are based on creditworthiness and qualifications. All loans are subject to approval and rates are subject to change without notice.

 

Skip-A-Pay: Skip the Payment, Not the Memories.

Could you use some extra cash this month? For a small fee of $25, you may skip your qualifying loan payment up to two (2) times per year!

  • How to apply: Simply download the printable form, fill it out, and mail or bring it into our Bay City, Essexville, or Standish locations.
  • Qualifications: Loans must be current and have at least 6 months of payment history. Mortgages, home equity, and credit cards are not eligible.

FAQs