Sunrise Family Credit Union Essexville MI | Affordable Auto Loans & Business Banking

Introduction

At Sunrise Family, we believe in building strong relationships with our members and fostering a sense of community. Located at 190 N Powell Rd, Essexville, MI 48732, our Essexville Branch has been serving its members since 1956. With a dedicated team of 40 employees led by CEO Jeff Rabanus and Board President James Voss, we are committed to providing exceptional service tailored to your financial needs. Our credit union is proud to support over 11,433 members, offering a wide range of services from personal banking to business loans. With total assets exceeding $133 million and total deposits reaching $12,078,954, we ensure your money is not only safe but also working hard for you. We have provided 4,350 loans and leases, empowering our members to achieve their dreams whether that's buying a new car or purchasing a home. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to the same address: 190 N Powell Rd, Essexville, MI 48732-1715. You can reach us at (989) 892-1833 for any questions or assistance. At Sunrise Family, we are more than just a credit union; we are part of the community. Our focus on member satisfaction drives us to offer personalized solutions that cater to your unique financial journey. Whether you're looking for checking accounts, auto loans, or credit cards with rewards, we've got you covered. We invite you to explore our services further by visiting our website at www.sunrisefamilycu.org. Let us help you achieve your financial goals today!

Branch History & Mission

Community Focus

At Sunrise Family, we understand that being part of a community means more than just offering financial products. It's about forming lasting relationships and giving back. We actively engage in local outreach initiatives and partner with various organizations to ensure that our contributions make a real difference. In addition to traditional banking services, we offer features like online banking, mobile payments, and e-statements for added convenience. Our branch is fully ADA compliant, ensuring accessibility for all members. We also provide drive-thru services for quick transactions and one ATM on-site for easy cash access. While you can visit us at our main location in Essexville, official correspondence should be directed to 190 N Powell Rd, Essexville, MI 48732-1715 if different from the branch address.

Join Us

As we continue on this journey together with our members and community partners, we invite you to be part of the Sunrise Family. Experience personalized service backed by years of trust and dedication. For more information or to become a member today, please call us at 989-892-1833 or visit our website at sunrisefamilycu.org. Together, let's build a brighter future!

Our Story

Located at 190 N Powell Rd, Essexville, MI 48732, our branch stands as a testament to the commitment of our community. Over the decades, we have expanded our services and embraced technology to better meet the needs of our members. From humble beginnings to becoming an essential part of everyday life for many families, we have continuously adapted while staying true to our core values of trust and support. Our mission at Sunrise Family is clear: we are dedicated to providing not just financial services but also a genuine sense of belonging for every member. We believe in empowering individuals through education and access to resources that can help them achieve their financial goals. Whether it's personal banking, auto loans, or business banking solutions, we strive to make a positive impact in the lives of those we serve.

Branch Location & Accessibility

Accessibility Features

We understand that accessibility is important. Our branch is designed with ADA compliance in mind, ensuring all members can navigate comfortably. There are plenty of parking spaces available right outside our doors, including accessible options for those who need them. Plus, with our drive-thru banking service, you can handle deposits and withdrawals without even leaving your vehicle!

Convenient Location

Situated just off major roads, our branch is easy to find. Whether you're visiting us after running errands or making a special trip for your banking needs, we've made it simple for you to drop by. Our location is close to popular spots, making it a breeze to stop in and take care of your financial needs.

Operating Hours

We're here for you during the week! Our lobby hours are Monday through Wednesday from 9 AM to 5 PM and Thursday through Friday from 9 AM to 5:30 PM. Need us on Saturday? No problem! You can take advantage of our drive-thru service from 9 AM until 1 PM.

Services Offered

At Sunrise Family, we offer a variety of personal and business banking services tailored to fit your lifestyle. From checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Additionally, enjoy the convenience of online and mobile banking at your fingertips. If you have questions or need assistance, don't hesitate to reach out! Call us at (989) 892-1833, and one of our friendly team members will be glad to help. We invite you to visit us at our Essexville Branch today! Whether you're looking to open an account or just want some advice on managing your finances, we're here for you every step of the way. Come see what sets Sunrise Family apart!

Member Eligibility

At Sunrise Family, we believe that everyone deserves a chance to be part of a supportive community that prioritizes their financial well-being. Becoming a member is simple and open to anyone who lives, works, worships, or attends school in our local community. If you're ready to join us at our welcoming branch located at 190 N Powell Rd Essexville Mi 48732, you'll find that the process is straightforward and friendly. Not only do our members enjoy personalized service and access to a variety of financial products tailored just for them, but they also become part of a cooperative where your voice truly matters. For more details on eligibility requirements and to see if you qualify, feel free to visit our website at https://www.sunrisefamilycu.org/membership__133.html. If you're interested in opening an account, we make it easy for you! Check out the account opening information here: https://www.financial-net.com/sunrisefamilycu/lending/. And if you have any questions or need assistance, don't hesitate to reach out to us at (989) 892-1833. We're excited to welcome you into the Sunrise Family family!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have no member or non-member commercial loans funded, we are dedicated to providing future opportunities for local entrepreneurs. Our goal is to empower you with financing options that help turn your ideas into reality.

Merchant Services

In today's fast-paced environment, every transaction counts. With our merchant services, we make it easy for businesses to accept payments, manage cash flow, and streamline operations. Imagine seamlessly processing customer payments while focusing on what you do best growing your business. At Sunrise Family, we prioritize your success by offering tailored solutions designed for your unique needs. Located at 190 N Powell Rd Essexville Mi 48732 in Essexville, MI, we're here to support you every step of the way. Call us at (989) 892-1833 to learn how our business banking services can help you thrive!

Comprehensive List Of Services

Business Banking Made Easy

For entrepreneurs and small business owners, Sunrise Family offers business banking solutions including merchant services and business loans. We understand the challenges of managing a business, so we strive to make banking as straightforward as possible. From processing payments to securing funds for expansion, we're here to support your growth.

Digital Banking Convenience

In today's fast-paced world, access to your accounts anytime is crucial. That's why we provide robust online and mobile banking features. With just a few taps on your smartphone or clicks on your computer, you can check balances, transfer funds, pay bills, and more from wherever you are. Plus, our ATM services allow you quick access to cash without the hassle.

Drive-Thru & In-Branch Services

If you prefer face-to-face interactions or need assistance with transactions like deposits and withdrawals, our drive-thru service offers a convenient way to bank without leaving your vehicle. For more complex transactions or inquiries, feel free to visit us during our operating hours: Monday through Wednesday from 9 AM to 5 PM; Thursday and Friday until 5:30 PM; and Saturday from 9 AM to 1 PM. At Sunrise Family, we're committed to making banking easier for you every day. No matter what financial goals you're pursuing whether personal or business we're here with the resources and expertise you need. Ready to explore all that we offer? Give us a call at (989) 892-1833 or visit us at Essexville Branch today!

Loans Tailored to You

When it comes to financing, whether you're purchasing a new car or refinancing your home, we have competitive auto loans and mortgage options that fit your budget. Our personal loans can assist with everything from debt consolidation to unexpected expenses. You can easily apply online or visit us in person, and our friendly team will guide you through every step.

Personal Banking Solutions

Starting with personal banking, our offerings include checking and savings accounts designed to help you save for those special moments or manage everyday expenses. Imagine having a checking account that not only keeps your money safe but also offers rewards just for using it. With our credit cards featuring rewards programs, you can earn points for every purchase and redeem them for travel, merchandise, or even cash back!

Digital & Online Banking

Explore Our Online Services

With just a few clicks, you can access your accounts anytime through our online banking platform at https://www.sunrisefamilycu.org/. This user-friendly service allows you to check balances, transfer funds, and pay bills from the comfort of your own home. Plus, with 24/7 access to your accounts, banking is always available when you need it.

Mobile Features for On-the-Go Banking

For those who prefer managing their finances on their mobile devices, our mobile application offers all the features you need right at your fingertips. Whether it's making person-to-person transfers or utilizing mobile payments, you'll find that everything is designed to be straightforward and efficient. Now, sending money to friends or family is as easy as tapping a button! In summary, Sunrise Family provides comprehensive digital and online banking services that prioritize both convenience and security. With features like mobile payments and electronic signatures, managing your money has never been easier or safer. Join us today and experience a new way to bank!

Security and Convenience

Your security is our top priority. At Sunrise Family, we provide electronic signature authorization for quick and safe transactions. You can also sign up for e-statements, allowing you to view your financial statements online rather than waiting for them to arrive in the mail. This not only helps keep your information secure but also contributes to reducing paper waste.

Financial Strength

Growing Trust

We have built a strong community with a total of 18,906 deposit accounts, showcasing the trust placed in us by our growing membership base. Our net shares available for lending stand at $0, highlighting our capacity to support your financial aspirations. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Sunrise Family is your trusted partner. Visit us at 190 N Powell Rd Essexville Mi 48732 or call (989) 892-1833 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.*

Member-Centric Resources

Members' savings are secured through $12,290,919 in share certificates and $6,315,550 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $79,179 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 29 full-time employees and 11 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Your Benefit

With $12,448,650 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to lending is evident with $993 in used auto loans and $47,040,101 in total loans and leases, supporting your financial goals across various sectors.

Solid Financial Health

With a net worth of $12,587,566, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $941 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $14,635,219 in used vehicle loans and $4,014,046 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates that fit your budget and make car ownership attainable.

Credit Lines

If you're looking for additional flexibility in your spending habits, consider our credit lines totaling $20,928,853. This product provides you with access to funds as needed while only paying interest on what you use an ideal solution for those who want control over their borrowing.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,614,687, make buying or refinancing simple. Whether you're a first-time homebuyer or looking to refinance an existing mortgage, our knowledgeable team can guide you through the process.

Refinancing Options

For those interested in lowering monthly payments or accessing cash from home equity, we have refinancing options available. It's worth exploring how refinancing can save you money in the long run. Our dedicated staff is here to answer any questions and assist you through the application process. You can reach us at (989) 892-1833 during our business hours: Monday through Wednesday from 9 AM to 5 PM; Thursday and Friday from 9 AM to 5:30 PM; and Saturday from 9 AM to 1 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us today at Sunrise Family! Explore how our loan products can meet your needs and empower your financial journey.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $3,081,811 in loans helping members manage their finances effectively. These credit cards can be an excellent option for those looking to consolidate debt or cover everyday expenses without high-interest rates.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With LendMesh, borrowers can feel confident knowing they have access to reliable information that helps them make informed decisions. Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This ensures that the offers presented are fair and transparent, allowing users to easily compare their options without any hidden agendas. LendMesh stands out in several key areas: - Verified Data: All loan offers are sourced from legitimate financial institutions, ensuring transparency throughout the comparison process. - No Sponsored Listings: Unlike many other comparison tools, LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, helping them find the best deals available at any given moment. Thousands of users trust LendMesh for their loan comparisons. One member shared their experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial reflects the positive impact LendMesh has had on its users' financial journeys. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

Sunrise Family