JULY • AUGUST • SEPTEMBER 2012

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

*All SFCU credit policies and underwriting guideline apply. Minimum refinance balance to qualify for this offer is minimum $7,500. Existing loan balance can not be divided to qualify as multiple loans. This offer is only good on our debt consolidation loan product. Rate as low as 8.50% APR. Loan application must be submitted by August 1st, 2012 to be eligible. This promotional offer is for a 16 GB iPad® 2 valued at $399.00. SFCU reserves the right to substitute an item of equal value. iPad® is a registered trade mark of Apple, Inc. Offer (1) per member. See loan representative for details.

Debt Consolidation Loan Special August 15, 16, 17 We’ll give you a free iPad® when you refinance your existing loan of $7,500.00 or more from any other financial institution! With our low rates, you may be able to lower your monthly payments. Visit www.sunrisefamilycu.org and click on the loan application button. On approval of credit and funding of your loan, SFCU will pay off your existing loan debt and we’ll give you a free iPad®! You must call for an appointment by August 1st, 2012 with any of our loan officers at any of our three locations Bay City, Essexville, or Standish.

Home Loans Made Simple from SFCUAt Sunrise Family Credit Union, we make getting a home loan simple. Whether you are interested in refinancing to save money or purchasing a new home, our mortgages are tailored to fit your needs, with our competitive rates and flexible terms, you’ll see why a mortgage from us makes sense. SFCU Mortgage Feature: •Competitiverates •Fixed,balloon&adjustableoptions •Termsupto30years

For more information, talk to a SFCU mortgage specialist: •BayCity: 989.684.1730or800.589.1079 •Essexville: 989.892.1833 •Standish: 989.846.9750or888.529.1160

For a limited time, the $1,000 EZ Loan is back by popular demand and available to our members! We will not perform a Credit Bureau check. It’s quick, easy way to obtain a loan for any reason. Go on vacation, purchaseschoolclothesorpaybills.TheEZLoanisavailabletoanymember in good standing, who has been continuously employed for thepast6monthsbythesameemployerandhasdirectdepositintotheirSFCUaccount.TheEZLoanisa12monthtermwithaninterestrateof18%APR*coveredwithlife&disabilityinsurance. Special Loan for returning EZ Loan Borrowers, you may qualify for a loan up to $1500.00.

*Annual percentage rate. Some restrictions apply. Contact the loan department for details.

Back by Popular Demand...

EZ Loans

How About a Free iPad®?

Directors:David Wolthuis, ChairJudy Fletcher, Vice ChairPatricia Wilson, SecretaryKenFowler,TreasurerLarry Nichols, DirectorRichardNiemann,DirectorDavid Hunt, Director

Supervisory Committee:C.J. Montana, ChairBill BeauvaisKaren 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 thereforecannotbestatedinadvance.Thefollowing dividends were paid for the periodendingJune30,2012.

Shares...........................0.10%APY*IRAShares......................callforrates

CertificateofDeposit,IRACDs,andInsured

Money Market Account (IMMA) . . call for rates

HomeEquityLineofCredit......6.00%APR**

*AnnualPercentageYield.**AnnualPercentageRate.Variable/floats with prime. Floorof6.00%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.

PLEASE NOTE: July’s staff training is Thursday, July 26.

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.

DISCOUNT CEDAR POINT TICKETS...WE GOT ‘EM!

SFCU members can receive special credit union discounts on Cedar

Point tickets this summer. Avoid long lines by purchasing your tickets at SFCU. Tickets include Any Day, Junior/Senior, Ride and Slide and Soak City. All Tickets are available and can be

purchased at Bay City, Essexville, and Standish offices.

Feel Like Familyat SFCU!

Member Appreciation DaysAug. 15 Standish 11-2 • Aug. 16 Essexville 11-2 • Aug. 17 Main 11-2Heywe’recelebrating!We’reinvitingyoutojoinusinthefun!We’llbeservinguphotdogsand refreshments and handing out giveaways. Stop in at your convenience. Also to show our appreciationwewillhavea3dayloansaleandanon-siteshredtrucktoshredyourpersonaldocumentsthievesmayusetocommitfraudsuchasoldbills,statements,andpre-approvedoffersofcredit.Therearenolimits.Itisfreebutweareaskingforschoolsuppliesdonationstofillour supplies tub.

Play Instead of PaySign up for summer-skip-a-payandhavecashtoenjoyyoursummer.SFCUoffersmembersachance to skip two loan payments per loan per year. So, treat yourself to something you deserve! Just complete an application form and return it to any of our three locations.

*Must meet the requirements and a fee of $25. Excludes mortgages, home equity loan, credit cards, and line of credit. some restrictions apply.

Great Road Trips start with Great Auto Loans Rates as low as 2.99% APR* for up to 61 mos. We have a nice variety of terms and low monthly payment options that should put a smile on your face. Stop in and meet our friendly loan department in our Bay City, Essexville or Standish locations or apply online at www.sunrisefamilycu.org.

*Annual percentage rate. Some restrictions apply. Contact the loan office for details.

SFCU Sponsors the Bay Arts Council “Wednesdays in the Park” Concert SeriesJoinusinhavingagoodtimewhile“grooving”tothemusicandenjoyingbeautifulDowntownBay City! Concerts are located in Wenonah Park Downtown Bay City. Admission is free!

Congratulations to Our Scholarship WinnersSunrise Family Credit Union awarded three scholarships to seniors at area high schools.Seth Schlatter of Pinconning High School, Ashley Navarre of Arenac Eastern High School, and Samantha Smith of Bay City Western High School.

Military Support BoxesEach SFCU branch office was able to collect enough non-perishable foods and toiletries donations to pack 5 large boxes with supplies and send to overseas troups. We included a letter, taped,addressedandshippedthemfromtheBayCountyArmory.Thankstoallwhodonated!

SFCU and Relay for Life SFCUisjoiningthefightagainstCancerwithTheAmericanCancerSocietyRelayforLife.OurTeamthe“SunriseSavers”iscommittedtoraisingmoney.Findoutthe many ways that your donation can make the biggest impact on your friends, family and in your community. SFCU will have fundraising items available at all three of our locations. For more information visit www.relayforlife.org.

Friendly Reminders• LostorStolenCards:IfyourcardsarelostorstolenletSFCUhelpyougetbackontrack.LostorStolenATM/DEBITCARDcall SFCU first 1.800.589.1079. After hours or weekends please call 888.247.2510. Internationally please call 909.941.1398 Credit Cards please call 1.800.449.7728.• WhentravelingandyourusingyourDebitcardorVisa/MasterCard,pleasenotifyusfirstwhereyouaregoingandwhenyou will be back. This helps protect your cards and ensure they continue to work properly while traveling.• FederalRegulationsDplacesamonthlylimitonthenumberoftransfersyoumakefromyoursavingsaccountorMoney Market account. Without your physical presence being required. You are allowed 6 such transfers per month. Per account. Please contact us for more information. 1.800.529.1079.

Holiday ClosingsLabor Day - September 1 and September 3rd, 2012

Seth Schlatter Ashley Navarre Samantha Smith