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Sunrise Family Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 9, 2026
Sunrise Family Credit Union's top rates as of October 9, 2026 are 4.85% APY on its 7 Month CD Special, 0.01% APY on savings, personal loans from 8.70% APR, and credit cards from 8.99% APR, according to rates verified by MonitorBankRates. Other Sunrise Family Credit Union CD rates include 13 Month CD Special at 4.59%, 8 Month CD Special at 4.33%, and 25 Month CD Special at 4.07%. MonitorBankRates evaluates the financial stability of Sunrise Family Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.29%. Rates last updated and verified on 10/09/2026.
Sunrise Family Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Sunrise Family Credit Union? Share your experience about Sunrise Family Credit Union by leaving a review below, or read customer reviews before you decide to use Sunrise Family Credit Union.
Sunrise Family Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 100/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Sunrise Family Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
0.29%
ExcellentLower than avg
Sunrise Family Credit Union Texas Ratio
Sunrise Family Credit Union's Texas Ratio is 0.29%, which is considered excellent and is lower than the national average of 6.13%.
Sunrise Family Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
0.91% to 0.29% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
Sunrise Family Credit Union CD Rates
Product
Rate
APY
Term
View More
7 Month Certificate Special
4.75%
4.85%
7 Month
Min Deposit$75,000
Min Balance$75,000
DetailsCertificate Account. Statement cycle is quarterly- Jan-Mar, Rates are subject to change any time. ALL CD Specials are NEW MONEY ONLY.Early withdrawal penalty one (1) year or less 90 days- one (1) year or more 180 days
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 4.85% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.29%
13 Month Certificate Special
4.50%
4.59%
13 Month
Min Deposit$1,000
Min Balance$1,000
DetailsCertificate Account. Statement cycle is quarterly- Jan-Mar, Rates are subject to change any time. ALL CD Specials are NEW MONEY ONLY.Early withdrawal penalty one (1) year or less 90 days- one (1) year or more 180 days
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 4.59% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.29%
8 Month Certificate Special
4.25%
4.33%
8 Month
Min Deposit$1,000
Min Balance$1,000
DetailsCertificate Account. Statement cycle is quarterly- Jan-Mar, Rates are subject to change any time. ALL CD Specials are NEW MONEY ONLY.Early withdrawal penalty one (1) year or less 90 days- one (1) year or more 180 days
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 4.33% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.29%
25 Month Certificate Special
4.00%
4.07%
25 Month
Min Deposit$1,000
Min Balance$1,000
DetailsCertificate Account. Statement cycle is quarterly- Jan-Mar, Rates are subject to change any time. ALL CD Specials are NEW MONEY ONLY.Early withdrawal penalty one (1) year or less 90 days- one (1) year or more 180 days
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 4.07% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.29%
60 Month Certificate Accounts
1.98%
2.00%
60 Months
Min Deposit$1,000
Min Balance$1,000
DetailsCertificate Account. Statement cycle is quarterly- Jan-Mar, Apr-Jun, Jul-Sept, Oct-Dec. Term-opened ended. Automatically renew for current rate and term. Additional deposits during term: $500. Early withdrawal penalty one (1) year or less 90 days- one (1) year or more 180 days. Rates are subject to change at any time. $1,000 minimum, current or New Money for Deposit. Non-renewable
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.29%
48 Month Certificate Accounts
1.931%
1.95%
48 months
Min Deposit$1,000
Min Balance$1,000
DetailsCertificate Account. Statement cycle is quarterly- Jan-Mar, Apr-Jun, Jul-Sept, Oct-Dec. Term-opened ended. Automatically renew for current rate and term. Additional deposits during term: $500. Early withdrawal penalty one (1) year or less 90 days- one (1) year or more 180 days. Rates are subject to change at any time. $1,000 minimum, current or New Money for Deposit. Non-renewable
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 1.95% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.29%
36 Month Certificate Accounts
1.735%
1.75%
36 months
Min Deposit$1,000
Min Balance$1,000
DetailsCertificate Account. Statement cycle is quarterly- Jan-Mar, Apr-Jun, Jul-Sept, Oct-Dec. Term-opened ended. Automatically renew for current rate and term. Additional deposits during term: $500. Early withdrawal penalty one (1) year or less 90 days- one (1) year or more 180 days. Rates are subject to change at any time. $1,000 minimum, current or New Money for Deposit. Non-renewable
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.29%
24 Month Certificate Accounts
1.489%
1.50%
24 months
Min Deposit$1,000
Min Balance$1,000
DetailsCertificate Account. Statement cycle is quarterly- Jan-Mar, Apr-Jun, Jul-Sept, Oct-Dec. Term-opened ended. Automatically renew for current rate and term. Additional deposits during term: $500. Early withdrawal penalty one (1) year or less 90 days- one (1) year or more 180 days. Rates are subject to change at any time. $1,000 minimum, current or New Money for Deposit. Non-renewable
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.29%
12 Month Certificate Accounts
1.44%
1.45%
12 months
Min Deposit$1,000
Min Balance$1,000
DetailsCertificate Account. Statement cycle is quarterly- Jan-Mar, Apr-Jun, Jul-Sept, Oct-Dec. Term-opened ended. Automatically renew for current rate and term. Additional deposits during term: $500. Early withdrawal penalty one (1) year or less 90 days- one (1) year or more 180 days. Rates are subject to change at any time. $1,000 minimum, current or New Money for Deposit. Non-renewable
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 1.45% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.29%
6 Month Certificate Accounts
1.242%
1.25%
6 months
Min Deposit$250
Min Balance$250
DetailsCertificate Account. Statement cycle is quarterly- Jan-Mar, Apr-Jun, Jul-Sept, Oct-Dec. Term-opened ended. Automatically renew for current rate and term. Additional deposits during term: $500. Early withdrawal penalty one (1) year or less 90 days- one (1) year or more 180 days. Rates are subject to change at any time. $1,000 minimum, current or New Money for Deposit. Non-renewable
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.29%
Sunrise Family Credit Union Savings Rates
Product
Rate
APY
View More
Teachers Club
0.05%
0.05%
DetailsClub accounts may be opened or closed at any time. Automatically renews annually. No minimum balance. no minimum deposit. Interest earned on any balance. Withdrawals permitted during June, July, and August. one (1) additional withdrawal during school year allowed. Excess withdrawals-share must be closed until next school term. Online deposits allowed. No online withdrawals.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.29%
Share Savings
0.01%
0.01%
Min Balance$250
DetailsPrimary Savings minimum Balance $10. Additional Sub-savings-no minimum balance required. Dividend Calculation: Daily balance. Quarterly dividend payment. Quarterly paper statement cycle or monthly e-statement available. Early close fee $10 before 60 days. Reopen fee $10 before 6 months.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 0.01% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.29%
Sunrise Family Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity (Fixed) Up to 95% LTV
-
-
4.70%
60 Months
DetailsAPR based on $100,000 loan amount. credit score of 730, and estimated cost of $1,500 in closing fees. Rates may change at any time. Must meet SFCU's normal underwriting qualifications to be approved. Contact SFCU for details. No loan application fees apply. Equal Opportunity Lender. For application. as part of the closing procedures Sunrise Family Credit Union will acquire a security interest in the property. Payment is calculated on 1.5% of the balance or $20, which ever is greater. HELOC rates are variable and based on the index rate.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 4.70% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.29%
Home Equity (Fixed) Up to 95% LTV
-
-
5.70%
120 Months
DetailsAPR based on $100,000 loan amount. credit score of 730, and estimated cost of $1,500 in closing fees. Rates may change at any time. Must meet SFCU's normal underwriting qualifications to be approved. Contact SFCU for details. No loan application fees apply. Equal Opportunity Lender. For application. as part of the closing procedures Sunrise Family Credit Union will acquire a security interest in the property. Payment is calculated on 1.5% of the balance or $20, which ever is greater. HELOC rates are variable and based on the index rate.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 5.70% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.29%
Sunrise Family Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Automobile
-
-
5.25%
Up to 61 Months
DetailsYear(s): 2023 - 2026; As Low As; Actual APR may be higher based on your credit score. Rates differ for members less than 90 days. no application fees apply. regular SFCU underwriting qualifications apply for approval.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 5.75% → 5.25% ▼ 0.50 pts · high 5.75% / low 5.25%
Sep 18, 20265.25%▼ from 5.75%
Sep 14, 20265.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.29%
Automobile
-
-
5.25%
62 to 73 Months
DetailsYear(s): 2023 - 2026; As Low As; Actual APR may be higher based on your credit score. Rates differ for members less than 90 days. no application fees apply. regular SFCU underwriting qualifications apply for approval.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.00% → 5.25% ▼ 0.75 pts · high 6.00% / low 5.25%
Sep 18, 20265.25%▼ from 6.00%
Sep 14, 20266.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.29%
Automobile
-
-
5.50%
74 to 84 Months
DetailsYear(s): 2023 - 2026; As Low As; Actual APR may be higher based on your credit score. Rates differ for members less than 90 days. no application fees apply. regular SFCU underwriting qualifications apply for approval.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.29%
Automobile
-
-
5.75%
Up to 61 Months
DetailsYear(s): 2018 - 2022; As Low As; Actual APR may be higher based on your credit score. Rates differ for members less than 90 days. no application fees apply. regular SFCU underwriting qualifications apply for approval.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.29%
Automobile
-
-
6.00%
62 to 73 Months
DetailsYear(s): 2018 - 2022; As Low As; Actual APR may be higher based on your credit score. Rates differ for members less than 90 days. no application fees apply. regular SFCU underwriting qualifications apply for approval.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.29%
Automobile
-
-
6.25%
Up to 61 Months
DetailsYear(s): 2015 - 2017; As Low As; Actual APR may be higher based on your credit score. Rates differ for members less than 90 days. no application fees apply. regular SFCU underwriting qualifications apply for approval.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.29%
Automobile
-
-
6.50%
Up to 37 Months
DetailsYear(s): 2014 & Older; As Low As; Actual APR may be higher based on your credit score. Rates differ for members less than 90 days. no application fees apply. regular SFCU underwriting qualifications apply for approval.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 6.50% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.29%
Automobile
-
-
7.00%
Up to 73 Months
DetailsYear(s): 2015 - 2017; As Low As; Actual APR may be higher based on your credit score. Rates differ for members less than 90 days. no application fees apply. regular SFCU underwriting qualifications apply for approval.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 7.00% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.29%
Automobile
-
-
7.00%
Up to 61 Months
DetailsYear(s): 2014 & Older; As Low As; Actual APR may be higher based on your credit score. Rates differ for members less than 90 days. no application fees apply. regular SFCU underwriting qualifications apply for approval.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.25% → 7.00% ▲ 0.75 pts · high 7.00% / low 6.25%
Sep 18, 20267.00%▲ from 6.25%
Sep 14, 20266.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.29%
Sunrise Family Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Boats, Motor Homes & Trailers Loan
-
6.70%
Up to 61 Months
DetailsAs low as; Example Payment (on $10,000): $191.73
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 6.70% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.29%
Boats, Motor Homes & Trailers Loan
-
6.70%
Up to 73 Months
DetailsAs low as; Example Payment (on $10,000): $170.98
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 6.70% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.29%
Motorcycle Loan
-
6.70%
Up to 61 Months
DetailsYear(s): Titled; As Low As; Actual APR may be higher based on your credit score. Rates differ for members less than 90 days. no application fees apply. regular SFCU underwriting qualifications apply for approval.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 6.70% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.29%
Other RV Titled Loan
-
6.70%
Up to 61 Months
DetailsAs low as; Example Payment (on $10,000): $196.44
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 6.70% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.29%
Boats, Motor Homes & Trailers Loan
-
7.70%
74-144 Months
DetailsAs low as; Example Payment (on $10,000): $172.87
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.70% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.29%
Motorcycle Loan
-
7.70%
Up to 73 Months
DetailsYear(s): Titled; As Low As; Actual APR may be higher based on your credit score. Rates differ for members less than 90 days. no application fees apply. regular SFCU underwriting qualifications apply for approval.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.70% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.29%
Sunrise Family Credit Union Credit Card Rates
Product
Rate
APR
View More
Gold MasterCard
-
8.99%
DetailsPublished APR range: 8.99% to 17.99%. Based on your creditworthiness. APR For Balance Transfers: 8.99% to 17.99% based on your creditworthiness. APR for Cash Advances: 8.99% to 17.99% based on your creditworthiness. How to Avoid Paying Interest on Purchases: Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. Annual Fee: . Account Set-up Fee: . Program Fee: . Participation Fee: . Additional Card Fee: . Application Fee: . Balance Transfer Fee: . Cash Advance Fee: . Foreign Transaction Fee: 1.00% of each transaction in U.S. dollars. Transaction Fee for Purchases: . Late Payment Fee: Up to $25.00. Over-the-Credit Limit Fee: . Returned Payment Fee: Up to $25.00.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.29%
Standard MasterCard
-
8.99%
DetailsPublished APR range: 8.99% to 17.99%. Based on your creditworthiness. APR For Balance Transfers: 8.99% to 17.99% based on your creditworthiness. APR for Cash Advances: 8.99% to 17.99% based on your creditworthiness. How to Avoid Paying Interest on Purchases: Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. Annual Fee: . Account Set-up Fee: . Program Fee: . Participation Fee: . Additional Card Fee: . Application Fee: . Balance Transfer Fee: . Cash Advance Fee: . Foreign Transaction Fee: 1.00% of each transaction in U.S. dollars. Transaction Fee for Purchases: . Late Payment Fee: Up to $25.00. Over-the-Credit Limit Fee: . Returned Payment Fee: Up to $25.00.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.29%
Sunrise Family Credit Union Personal Loan Rates
Product
APR
Term
View More
Unsecured Special Loan
8.70%
13 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 8.70% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.29%
Signature Loan
9.99%
Up to 60 Months
DetailsLong-Term Flexibility; As Low As
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 11.90% → 9.99% ▼ 1.91 pts · high 11.90% / low 9.99%
Sep 18, 20269.99%▼ from 11.90%
Sep 14, 202611.90%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.29%
Signature Loan
9.99%
0-13 Months
DetailsExample Payment (on $1,000): $87.33
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 9.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.29%
Signature Loan
10.24%
14-25 Months
DetailsExample Payment (on $1,000): $75.85
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 10.24% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.29%
Signature Loan
10.49%
26-43 Months
DetailsExample Payment (on $1,000): $42.93
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 10.49% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.29%
Signature Loan
10.74%
44-60 Months
DetailsExample Payment (on $1,000): $27.36
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 10.74% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.29%
Signature Loan
11.90%
Up to 60 Months
DetailsNo Collateral Needed
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 11.90% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.29%
Sunrise Family Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Christmas Club
0.07%
-
0.07%
1 months
DetailsTerm: October 1 to September 30; Club Accounts may be opened or closed at any time. Automatically renews annually. No minimum balance. no minimum deposit. Interest earned on any balance. One (1) withdrawal during term allowed. Additional withdrawals- share must be closed-Christmas club may be reopened October 1. Online deposits allowed. No online withdrawals.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 0.07% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.29%
IRA Share Account
0.15%
-
0.15%
Min Balance$250
DetailsBalance: $250 - $9,999
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.29%
IRA Share Account
0.20%
-
0.20%
Min Balance$10,000
DetailsBalance: $10,000 - $24,999
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.29%
IRA Share Account
0.25%
-
0.25%
Min Balance$25,000
DetailsBalance: $25,000 & up
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.29%
Vacation Club
0.05%
-
0.05%
1 months
DetailsTerm: October 1 to September 30; Club Accounts may be opened or closed at any time. Automatically renews annually. Automatically disbursement to Primary Share account on October 1. No minimum balance. No minimum deposit. Interest earned on any balance. One (1) withdrawal during term allowed. Additional withdrawals- share must be closed-Christmas club may be reopened October 1. Online deposits allowed. No online withdrawals.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.29%
Financial Health History
Sunrise Family Credit Union’s Texas Ratio fell from 0.91% in Q3 2023 to 0.29% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$133M
0.29%
5.0
A+
March 31, 2026
$133M
0.39%
5.0
A+
December 31, 2025
$128M
0.59%
5.0
A+
September 30, 2025
$130M
0.82%
5.0
A+
June 30, 2025
$136M
1.33%
5.0
A+
March 31, 2025
$138M
1.08%
5.0
A+
December 31, 2024
$134M
1.33%
5.0
A+
September 30, 2024
$134M
1.56%
5.0
A+
June 30, 2024
$136M
0.82%
5.0
A+
March 31, 2024
$136M
1.30%
5.0
A+
December 31, 2023
$139M
1.40%
5.0
A+
September 30, 2023
$138M
0.91%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating
Our rating for Sunrise Family Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Sunrise Family Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Sunrise Family Credit Union's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
4,213,100
Total Uninsured Shares and Deposits > $250K (F+J)
4,213,100
Total Insured Shares and Deposits > $250K (item 17 less item K)
117,131,231
Total Interest Expense (Sum of items 6 8)
181,780
Share Certificates
554
Number of Accounts for Share Drafts
5,855
IRA KEOGH Accounts
142
Number of Accounts for Regular Shares
10,410
Money Market Shares
165
Net Income (unless the amount is already included in Undivided Earnings)
51,905
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
11,146,915
Total Liabilities
121,983,430
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
Sunrise Family Credit Union earned the Top 100 Healthiest badge
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
<a href="https://monitorbankrates.com/credit-unions/sunrise-family-credit-union-rates-review-61995">
<img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-s-2026-q2.svg"
alt="Ranked #86 in MonitorBankRates Top 100 Healthiest Small Credit Unions Q2 2026"
width="160" height="160">
</a>
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☆☆☆☆☆
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Frequently Asked Questions About Sunrise Family Credit Union
How many branches does Sunrise Family Credit Union operate?
Sunrise Family Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is a member application needed to join Sunrise Family Credit Union?
Yes, to access services at Sunrise Family Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.
Is there a first-time homebuyer program?
Currently, Sunrise Family Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, Sunrise Family Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Sunrise Family Credit Union offer online and mobile banking?
Most modern institutions like Sunrise Family Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.sunrisefamilycu.org.
Current Sunrise Family Credit Union Rates
12-Month CD1.45%
24-Month CD1.50%
60-Month CD2.00%
Savings0.01%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
