Newsletter

Auto Loans

Your dream car may vary, but your road to buying it should come through Sunrise Credit Union. You deserve the affordable rate, convenient terms, and incredible service your credit union can provide. When shopping for a vehicle, you want quality at a fair price. Do the same with your auto loan and check out the great deals your credit union has to offer. Sunrise can make the car of your dreams a reality.

Remember - if you didn't finance your car at Sunrise Credit Union, it could be costing you big bucks. Call us at (920) 436-7744 or contact us on-line.

Best Value

Whether purchasing or refinancing, a home mortgage from your credit union is the best value. You're dealing with people who know you and are working in your best interest. At your credit union members' needs come first. We will work with you to make sure you're getting the right loan for your needs.

Payday Loans

The hard truth about some "Easy Money"... Short on cash? Need just a little more to get you through to payday? Step right up and take out a payday loan. This increasingly popular line of credit will provide you with the $100 or $200 you need to get by until your next paycheck arrives. The price for this easy cash? At most check-cashing outlets, interest rates are from 261% APR (annual percentage rate) on up.

Alternatively known as cash-advance loans, postdated check loans, or delayed deposit check loans, payday loans are a star product at check-cashing outlets. Touted as a convenient financial Band-aid, they exact exorbitant fees from consumers, many of whom already are in troubled financial straits.

Because of their triple-digit interest rates, payday loans shouldn't even be the financial choice of last resort. By looking at the true price of payday loans in comparison with other credit sources, consumers can see the long term financial benefits of avoiding such costly short-term fixes.

Your first stop should be your credit union. We are very proactive in providing financial counseling for our members. Members should feel free to walk in, call or send us an email and ask questions, gather information, and look at some of the other avenues available.

Ways to protect your identity

With the explosion of Internet financial transactions and the increasing use of credit and debit cards, it's more important than ever to protect your electronic identity. Here are some tips to remember:

• Avoid carrying all your plastic cards, Social Security number, birth certificate or passport. Carry only those cards you will be using and other necessary identification.
• Reduce the number of active cards you have.
• Do not write your password or PIN (personal identification number) on your card -- or carry it with you -- memorize it!
• When shopping on the Internet, buy from recognizable, reputable businesses. Also, make sure you are shopping in a "secure" environment on their website. You can tell by noticing a small lock icon appearing in the status bar of your browser.
• Transactions completed over the Internet should be handled carefully. Do not assume your communication is private. Ensure your transmittal of any personal information is protected by encryption. Check with creditors, merchants, network providers, etc. to find out what they're doing to ensure your privacy.
• If you notice a decrease in mail to any one person in your household, or do not receive anticipated statements, contact the post office and/or your creditor to verify the address they show on your account. Account takeovers are usually accomplished by changing the address on an individual and then requesting new plastic cards.
• When you go on vacation, have your mail retained at the post office until you return.
• Do not have your Social Security numbers or driver's license number printed on your checks.
• Compliment merchants and clerks who hold your card and verify your signature. Confront clerks who do not verify your signature as required by both VISA and MasterCard.
• Most of all, be careful and use common sense when using your credit card, debit card or the Internet.