OCTOBER • NOVEMBER • DECEMBER 2013

HELPING YOU ACHIEVE YOUR FINANCIAL GOALS! w w w . s u n r i s e f a m i l y c u . o r g

Holiday Skip-A-Payment!Holiday Skip application forms are available online www.sunrisefamilycu.org and at any SFCU office

location. There is a $25 fee per loan skipped (a portion of this fee will be donated to charity). Limit 2 skips, per loan, per year. Other conditions may apply contact SFCU for details. Excludes, EZ Loan, mortgages,

home equity, lines of credit, credit cards and loans less than six payments made are not eligible.

*Mortgages, home equity loans, credit cards, EZ Loans, loans with less than six payments made and lines of credit are not eligible. Some restriction apply.

Mail to: Sunrise Family Credit Union404 S. Euclid Ave., Bay City, MI 48706By signing, I agree that the loan listed will be extended one month beyond its current maturity date for each skip a payment. I understand that interest will continue to accrue on the outstanding balance, including the month the payment is skipped. As a result, my final payment may be larger than the payment disclosed on my contract. All other terms ofmy original loan agreement will remain the same. Bysigning, I understand that this was not disclosed in the initial truth and savings disclosure I was given and that I agree to the terms of this agreement.

Primary Applicant Name Co-Applicant Name

Signature Signature

First loan payment I would like to skip:

Acct./Loan # Month:

Skip-A-Payment fee enclosedPlease debit my: Checking Acct. Savings Acct.

*Annual Percentage Rate. Rates, terms and conditions vary based on credit worthiness qualifications. All loans are subject to approval and are subject to change without notice. Offer expires December 31, 2013.

as low as

5.99%APR* up to 13 mos.

MerryMoola!H O L I D A Y L O A N S

FREE Financial WorkshopJoin us October 22, 2013 for a free seminar sponsored by area credit unions with helpful information on how you can ease your mind with financial planning for retirement and physical health. Where: Frankenmuth Bavarian Inn in FrankenmuthTime: 6:30 pm-8:30 pmWhen: October 22, 2013Seating is limited please RSVP no later than October 18 by calling 989.891.1680. Seminar includes drawing and gift card giveaways

International Credit Union Day…October 17, 2013Credit unions continually demonstrate their ability to improve the lives of individuals, families, communities and countries around the world, and have done so for generations. As we celebrate International Credit Union Day this October, we celebrate the theme of “Credit Unions Unite for Good” with more than 196 million people worldwide to establish credit unions as Americans’ best financial partner.

Join us on October 17 for autumn goodies for all. We’ll be celebrating at all three locations. Kids receive a free Trick or Treat bag and treat.

EZ Loans

Directors:David Wolthuis, ChairJudy Fletcher, Vice ChairPatricia Wilson, SecretaryKen Fowler, TreasurerLarry Nichols, DirectorRichard Niemann, DirectorDavid Hunt, Director

Supervisory Committee:C.J. Montana, ChairKaren Gutierrez, Secretary

Credit Committee:Michelle Hine, ChairBarbara WeilerJudy ZielinskiLynn Christensen, Alternate

Dividends for Last Period:Dividends declared by the Board of Directors are based on credit union earnings and therefore cannot be stated in advance. The following dividends were paid for the periodending September 30, 2013.

Shares . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.10% APY*IRA Shares . . . . . . . . . . . . . . . . . . . . . . call for rates

Certificate of Deposit, IRA CDs, and Insured

Money Market Account (IMMA) . . call for rates

Home Equity Line of Credit . . . . . . 6.00% APR**

*Annual Percentage Yield.**Annual Percentage Rate.Variable/floats with prime. Floor of 6.00% APR.

Main Office: 404 S. Euclid Ave., Bay City, MI 48706 989.684.1730 or 800.589.1079, Fax: 989.686.2552

Essexville Branch: 190 N. Powell Rd., Essexville, MI 48732 989.892.1833, Fax: 989.892.7638

Standish Branch: 3887 S. Huron Rd., Standish, MI 48658 989.846.9750 or 888.529.1160, Fax: 989.846.9754

Hours: 9:00 a.m. to 5:00 p.m. Monday-Wednesday* 9:00 a.m. to 5:30 p.m. Thursday-Friday 9:00 a.m. to 1:00 p.m. Saturday

*Main Office open at 9:30 a.m., Essexville open at 9:45 a.m., Standish Branch open at 10:00 a.m. on the last Wednesday of every month due to staff training.

Mission StatementSunrise Family Credit Union is a member-owned and

member-controlled financial cooperative dedicated toproviding sound, comprehensive financial services to its

family of members.

HALLOWEEKENDS SFCU members can receive special

credit union discounts on Cedar Point tickets this fall. Avoid long

lines by purchasing your tickets at SFCU. Tickets sold through October 31, 2013. Call us for details. 800.589.1079.

Feel Like Familyat SFCU!

Holiday ClosingsColumbus Day – Oct. 14

Thanksgiving – Nov. 21-22Christmas – Dec. 24 @ 1:00 and Dec. 25

New Years – Dec. 31 @ 1:00 and Jan 1, 2013

Happy Holidays!

Susan Wendt

Printed on Recycled Paper

Our EZ loans can make expenses of life a little easier. No matter what your personal needs may be. An EZ Loan can help make your dreams a reality. For a small fee of $25, borrow up to $1,000 without credit qualifications. Contact our friendly loan department for details and see how you qualify.

Now You Can Get Cash Surcharge-Free at More ATMs Than EverNever pay a surcharge fee when your ATM or debit card has a CO-OP logo on the back. Use surcharge ATMs at places like 7-Eleven, Costco and Walgreens. Make deposits at nearly 9,000 ATMs. To locate ATM by using our easy locator tools visit www.sunrisefamilycu.org.

Welcome Our New EmployeeSue Wendt has joined your team at SFCU. Sue, a lifelong resident of Bay County has joined the Loan Department at SFCU as a Mortgage Loan Officer. Sue brings several years of mortgage lending experience to SFCU. Prior to her career in the Mortgage industry, Sue was involved for many years with the American Cancer Society and their Relay for Life events held in Bay and surrounding counties. Sue looks forward to serving the wonderful members of SFCU. Her office is located at the main branch, 404 S. Euclid Ave. and she can be reached directly at 989.671.6014.

SFCU Members Give BackTHANK YOU! Sunrise Family Credit Union would like to thank everyone who helped by donating! With your help, we were able to successfully collect $4,612.87 for donation to the American Cancer Society Relay for Life and other funds to other various charities. Together we were able to make a huge impact in our community!

Attention Christmas Club savers! During the month of October your accumulated savings and dividends from your Christmas Club account will be paid out by check or by transfer to the account designated — giving you plenty of time to shop!

Federal Regulations D places a monthly limit on the number of transfers you make from the savings account or Money Market Accounts (MMA) with out your physical presence being required. You are allowed six such transfers per month, per account. For more information contact us at 800.589.1079

FYI

SFCU & Showcase Mitsubishi Partner for a Car Sale Extravaganza!October 17 & 18th Special includes New and used vehicles for a special rate as low as 1.99% APR up to 61 mos.Where: 404 S. Euclid Ave., Bay CityWhen: October 17 & 18Time: Thursday and Friday 9:00-5:30

Don’t miss out on this special event! Plus enter for a chance to win a “Car Care Package” drawing

58th Annual MeetingThe Board of Directors has appointed the Nomination Committee for vacancies on the Board of Directors and Supervisory Committee. Any member in good standing of the Credit Union who has attained the age of 18 years are eligible to serve. The Nominating Committee will accept applications from Monday, October 15, 2013 through Friday, November 15, 2013. Applications are available at main office. The Nominations Committee will submit its report with respect to the nominees to the Board of Directors in December 2013. The report will be published in the January 2014 newsletter. Interested parties who do not make the November 15, 2013 deadline may also petition as nominees for vacant positions by filling a petition supported by the signatures of 50 members of the credit union. Petition forms available at the main office and must be submitted by Thursday, January 16, 2014.