What are the current interest rates at Sunlight Federal Credit Union?

Current rates for Sunlight Federal Credit Union include: 12-Month CD: 3.04%, 18-Month CD: 2.78%, 24-Month CD: 2.78%, 60-Month CD: 2.53%, Savings: 2.53%, MMA: 1.81%

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Sunlight Federal Credit Union

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Sunlight Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Sunlight Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Sunlight Federal Credit Union's top rates as of October 12, 2026 are 4.03% APY on its 13 Month Promotional CD, 2.53% APY on savings, 1.81% APY on money market accounts, and personal loans from 11.74% APR, according to rates verified by MonitorBankRates. Other Sunlight Federal Credit Union CD rates include 13 Month CD at 4.03%, 11 Month Promotional CD at 3.92%, and 11 Month CD at 3.92%. MonitorBankRates evaluates the financial stability of Sunlight Federal Credit Union with a 3.2 Star Rating, an D Overall Health Grade, and a Texas Ratio of 37.01%. Rates last updated and verified on 10/12/2026.

Sunlight Federal 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 Sunlight Federal Credit Union? Share your experience about Sunlight Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Sunlight Federal Credit Union.

Overall Health & Safety Grade

Weak Health Score: 63/100

MonitorBankRates Rating

3.2

Good Out of 5.0 Stars

Texas Ratio

37.01%

Fair Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Sunlight Federal Credit Union
Sunlight Federal Credit Union (CODY OFFICE)

1702 17th St
Cody, WY 82414

https://www.sunlightfcu.com

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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.

Sunlight Federal Credit Union CD Rates

Product	Rate	APY	Term
13 Month Promotional Share Certificate	3.95%	4.03%	13 Month
Min Deposit $250,000 Details Promotional share certificate; New Money Only; renews into a standard 12-month term at the then-current rate; not combinable with other promotions or the Star Member program; Early Withdrawal Penalty: 180 Days Interest; Effective Date: 8/31/2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.03% APY Institution Ratings 3.2 Star Rating D Health Grade ◈ Texas Ratio: 37.01%
13 Month Share Certificate	3.95%	4.03%	13 Month
Min Deposit $250,000 Details Promotional share certificate; New Money Only; At maturity renews into a standard 12-month term at the then-current rate; Early Withdrawal Penalty: 180 Days Interest Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 4.03% APY · checked 5 times Institution Ratings 3.2 Star Rating D Health Grade ◈ Texas Ratio: 37.01%
11 Month Promotional Share Certificate	3.85%	3.92%	11 Month
Min Deposit $50,000 Details Promotional share certificate; New Money Only; renews into a standard 12-month term at the then-current rate; not combinable with other promotions or the Star Member program; Early Withdrawal Penalty: 90 Days Interest; Effective Date: 8/31/2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.92% APY Institution Ratings 3.2 Star Rating D Health Grade ◈ Texas Ratio: 37.01%
11 Month Share Certificate	3.85%	3.92%	11 Month
Min Deposit $50,000 Details Promotional share certificate; New Money Only; At maturity renews into a standard 12-month term at the then-current rate; Early Withdrawal Penalty: 90 Days Interest Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 3.92% APY · checked 5 times Institution Ratings 3.2 Star Rating D Health Grade ◈ Texas Ratio: 37.01%
1 Year Share Certificate	3.00%	3.04%	1 Year
Min Deposit $500 Details Early Withdrawal Penalty: 180 Days Interest Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 3.04% APY · checked 6 times Institution Ratings 3.2 Star Rating D Health Grade ◈ Texas Ratio: 37.01%
18 Month Share Certificate	2.75%	2.78%	18 Month
Min Deposit $500 Details Early Withdrawal Penalty: 180 Days Interest Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 2.78% APY · checked 6 times Institution Ratings 3.2 Star Rating D Health Grade ◈ Texas Ratio: 37.01%
2 Year Share Certificate	2.75%	2.78%	2 Year
Min Deposit $500 Details Early Withdrawal Penalty: 180 Days Interest Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 2.78% APY · checked 6 times Institution Ratings 3.2 Star Rating D Health Grade ◈ Texas Ratio: 37.01%
3 Month Share Certificate	2.75%	2.78%	3 Month
Min Deposit $500 Details Early Withdrawal Penalty: 90 Days Interest Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 2.78% APY · checked 6 times Institution Ratings 3.2 Star Rating D Health Grade ◈ Texas Ratio: 37.01%
30 Month Share Certificate	2.75%	2.78%	30 Month
Min Deposit $500 Details Early Withdrawal Penalty: 180 Days Interest Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 2.78% APY · checked 6 times Institution Ratings 3.2 Star Rating D Health Grade ◈ Texas Ratio: 37.01%
6 Month Share Certificate	2.75%	2.78%	6 Month
Min Deposit $500 Details Early Withdrawal Penalty: 90 Days Interest Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 2.78% APY · checked 6 times Institution Ratings 3.2 Star Rating D Health Grade ◈ Texas Ratio: 37.01%
9 Month Share Certificate	2.75%	2.78%	9 Month
Min Deposit $500 Details Early Withdrawal Penalty: 90 Days Interest Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 2.78% APY · checked 6 times Institution Ratings 3.2 Star Rating D Health Grade ◈ Texas Ratio: 37.01%
3 Year Share Certificate	2.50%	2.53%	3 Year
Min Deposit $500 Details Early Withdrawal Penalty: 180 Days Interest Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 2.53% APY · checked 6 times Institution Ratings 3.2 Star Rating D Health Grade ◈ Texas Ratio: 37.01%
4 Year Share Certificate	2.50%	2.53%	4 Year
Min Deposit $500 Details Early Withdrawal Penalty: 180 Days Interest Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 2.53% APY · checked 6 times Institution Ratings 3.2 Star Rating D Health Grade ◈ Texas Ratio: 37.01%
5 Year Share Certificate	2.50%	2.53%	5 Year
Min Deposit $500 Details Early Withdrawal Penalty: 180 Days Interest Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 2.53% APY · checked 6 times Institution Ratings 3.2 Star Rating D Health Grade ◈ Texas Ratio: 37.01%

Sunlight Federal Credit Union Savings Rates

Product	Rate	APY
Cub Savings	2.50%	2.53%
Min Deposit $25 Min Balance $25 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 2.53% APY · checked 7 times Institution Ratings 3.2 Star Rating D Health Grade ◈ Texas Ratio: 37.01%
High Yield Savings	2.00%	2.02%
Min Deposit $0 Min Balance $1,000 Details Available to Star Members only; Eligibility subject to qualifying service(s) enrollment; $2.00 monthly service charge applied to balances less than $1,000.00 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 2.02% APY · checked 7 times Institution Ratings 3.2 Star Rating D Health Grade ◈ Texas Ratio: 37.01%
High Yield Savings	-	2.00%
Min Balance $1,000 Details Published APY range: 2.00%-2.02%. Balance: $1,000.01 and over; Available exclusively to Star members; Minimum balance of $50 required to earn the stated APY; Minimum balance of $1,000 required to avoid a service fee Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 2.02% → 2.00% ▼ 0.02 pts · high 2.02% / low 2.00% Oct 12, 20262.00%▼ from 2.02% Sep 12, 20262.02%first recorded Institution Ratings 3.2 Star Rating D Health Grade ◈ Texas Ratio: 37.01%
Club	1.50%	1.51%
Min Deposit $0 Min Balance $50 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.51% APY · checked 2 times Institution Ratings 3.2 Star Rating D Health Grade ◈ Texas Ratio: 37.01%
Health Savings Account	0.15%	0.15%
Details 2026 Rates & Contributions Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.15% APY · checked 6 times Institution Ratings 3.2 Star Rating D Health Grade ◈ Texas Ratio: 37.01%
High Yield Savings	0.15%	0.15%
Min Deposit $0 Min Balance $50 Details Available to Star Members only; Eligibility subject to qualifying service(s) enrollment; $2.00 monthly service charge applied to balances less than $1,000.00 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.15% APY · checked 7 times Institution Ratings 3.2 Star Rating D Health Grade ◈ Texas Ratio: 37.01%

Sunlight Federal Credit Union Money Market Rates

Product	Rate	APY
Tiered money market	1.80%	1.81%
Min Deposit $500 Min Balance $100,000 Details Minimum balance to earn stated APY: $100,000.01; Account limitations and fees may apply based on the number of monthly withdrawals Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 1.81% APY · checked 7 times Institution Ratings 3.2 Star Rating D Health Grade ◈ Texas Ratio: 37.01%
Tiered money market	1.55%	1.56%
Min Deposit $500 Min Balance $50,000 Details Minimum balance to earn stated APY: $50,000.01; Account limitations and fees may apply based on the number of monthly withdrawals Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 1.56% APY · checked 7 times Institution Ratings 3.2 Star Rating D Health Grade ◈ Texas Ratio: 37.01%
Tiered money market	1.30%	1.31%
Min Deposit $500 Min Balance $2,500 Details Minimum balance to earn stated APY: $2,500.01; Account limitations and fees may apply based on the number of monthly withdrawals Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 1.31% APY · checked 7 times Institution Ratings 3.2 Star Rating D Health Grade ◈ Texas Ratio: 37.01%

Sunlight Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto	-	-	4.45%	Up to 96 months
Details As Low As; APR as low as Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.45% APR · checked 8 times Institution Ratings 3.2 Star Rating D Health Grade ◈ Texas Ratio: 37.01%
Used Auto	-	-	4.60%	Up to 84 months
Details As Low As; APR as low as Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.60% APR · checked 8 times Institution Ratings 3.2 Star Rating D Health Grade ◈ Texas Ratio: 37.01%

Sunlight Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Camper/Toy Hauler Loan	-	7.74%	Up to 180 months
Details As Low As; APR as low as Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 7.74% APR · checked 8 times Institution Ratings 3.2 Star Rating D Health Grade ◈ Texas Ratio: 37.01%
Recreational Vehicles Loan	-	7.74%	Up to 84 months
Details As Low As; APR as low as Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 7.74% APR · checked 8 times Institution Ratings 3.2 Star Rating D Health Grade ◈ Texas Ratio: 37.01%

Sunlight Federal Credit Union Personal Loan Rates

Product	APR	Term
Unsecured Loan	11.74%	Up to 60 months
Details As Low As; Rate is with automatic payment; Rates are subject to credit, collateral, and term; Membership eligibility required Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 11.74% APR · checked 8 times Institution Ratings 3.2 Star Rating D Health Grade ◈ Texas Ratio: 37.01%
Unsecured Personal Loan	11.74%
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 11.74% APR · checked 2 times Institution Ratings 3.2 Star Rating D Health Grade ◈ Texas Ratio: 37.01%
Personal Line of Credit	14.99%	Open-ended
Details As Low As; Rate is with automatic payment; Rates are subject to credit, collateral, and term; Membership eligibility required Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 14.99% APR · checked 8 times Institution Ratings 3.2 Star Rating D Health Grade ◈ Texas Ratio: 37.01%

Sunlight Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
11 Month Promotional Share Certificate	-	-	3.92%	11 Month
Min Deposit $50,000 Details New Money Only; renews into standard 12-month term at then-current rate; not combined with other promotions or Star Member program; Early Withdrawal Penalty: 90 Days Interest; The 50 States Special Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.92% APY Institution Ratings 3.2 Star Rating D Health Grade ◈ Texas Ratio: 37.01%
13 Month Promotional Share Certificate	-	-	4.03%	13 Month
Min Deposit $250,000 Details New Money Only; renews into standard 12-month term at then-current rate; not combined with other promotions or Star Member program; Early Withdrawal Penalty: 180 Days Interest; The 250 Anniversary Special Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.03% APY Institution Ratings 3.2 Star Rating D Health Grade ◈ Texas Ratio: 37.01%
High Yield Savings	-	-	0.15%
Min Balance $50 Details Balance: $50.00 - $1,000.00; Available exclusively to Star members; Minimum balance of $50 required to earn the stated APY; Minimum balance of $1,000 required to avoid a service fee Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.15% APY · checked 7 times Institution Ratings 3.2 Star Rating D Health Grade ◈ Texas Ratio: 37.01%
IRA Accounts - Roth/Traditional	3.00%	-	3.05%
Min Deposit $500 Details Dividend Rate column; Minimum Amount column reported as minimum deposit Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.05% APY Institution Ratings 3.2 Star Rating D Health Grade ◈ Texas Ratio: 37.01%
Primary Share	0.15%	-	0.15%
Min Deposit $25 Min Balance $50 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.15% APY · checked 7 times Institution Ratings 3.2 Star Rating D Health Grade ◈ Texas Ratio: 37.01%
Share Draft	0.05%	-	0.05%
Min Deposit $0 Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 7 times Institution Ratings 3.2 Star Rating D Health Grade ◈ Texas Ratio: 37.01%
The 250 Anniversary Special	-	-	4.03%	13 Month
Min Balance $250,000 Details Celebrate 250 Years of America; $250,000 min Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 4.03% APY · checked 4 times Institution Ratings 3.2 Star Rating D Health Grade ◈ Texas Ratio: 37.01%
The 50 States Special	-	-	3.92%	11 Month
Min Balance $50,000 Details Celebrate 250 Years of America; $50,000 Min Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 3.92% APY · checked 4 times Institution Ratings 3.2 Star Rating D Health Grade ◈ Texas Ratio: 37.01%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Sunlight Federal Credit Union’s Texas Ratio rose from 4.54% in Q3 2023 to 37.01% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 3.2 and its Health Grade from A+ to D. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$211M	37.01%	3.2	D
March 31, 2026	$217M	11.98%	5.0	A
December 31, 2025	$218M	4.60%	5.0	A+
September 30, 2025	$218M	4.25%	5.0	A+
June 30, 2025	$218M	21.31%	4.5	B
March 31, 2025	$216M	9.04%	5.0	A
December 31, 2024	$217M	2.33%	5.0	A+
September 30, 2024	$212M	1.99%	5.0	A+
June 30, 2024	$212M	3.08%	5.0	A+
March 31, 2024	$210M	4.07%	5.0	A+
December 31, 2023	$200M	4.50%	5.0	A+
September 30, 2023	$199M	4.54%	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 Sunlight Federal 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 Sunlight Federal 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 Sunlight Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Sunlight Federal Credit Union

Website https://www.sunlightfcu.com

Address 1702 17th St, Cody, WY 82414

Phone 307-587-4915

Fax 307-587-4074

President Allen Wilson

CEO Craig Allen

Full-Time Employees 39

Part-Time Employees 1

Branch Locations 4

ATM Locations 5

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

3.2 / 5.0 ★

Overall Health & Safety Grade

D (63/100)

Texas Ratio

37.01%

Return on Assets (ROA)

-1.6206%

Return on Equity (ROE)

-15.7967%

Non-Performing Loans Ratio (NPL)

7.34%

Total Assets

210,613,891

Total Amount of Shares and Deposits

189,287,018

Total Shares and Deposits < 1 Year

139,781,750

Total Shares and Deposits 1 3 Years

34,691,629

Total Shares and Deposits > 3 Years

14,813,639

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

13,338,054

Total Uninsured Shares and Deposits > $250K (F+J)

13,338,054

Total Insured Shares and Deposits > $250K (item 17 less item K)

175,948,964

Total Interest Expense (Sum of items 6 8)

1,694,288

Share Certificates

1,388

Number of Accounts for Share Drafts

6,191

IRA KEOGH Accounts

384

Number of Accounts for Regular Shares

10,805

All other shares

288

Non Member Deposits

Money Market Shares

221

Net Income (unless the amount is already included in Undivided Earnings)

-3,413,208

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)

10,814,589

Total Liabilities

189,379,751

Source: NCUA — Last Updated 06/30/2026

Customer Reviews

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Frequently Asked Questions About Sunlight Federal Credit Union

How many branches does Sunlight Federal Credit Union operate?

Sunlight Federal 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 Sunlight Federal Credit Union?

Yes, to access services at Sunlight Federal 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, Sunlight Federal 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, Sunlight Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Sunlight Federal Credit Union offer online and mobile banking?

Most modern institutions like Sunlight Federal 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.sunlightfcu.com.

Current Sunlight Federal Credit Union Rates

12-Month CD3.04%
18-Month CD2.78%
24-Month CD2.78%
60-Month CD2.53%
Savings2.53%
MMA1.81%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Sunlight Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Sunlight Federal Credit Union Texas Ratio

Sunlight Federal Credit Union Health Trend

Sunlight Federal Credit Union CD Rates

Sunlight Federal Credit Union Savings Rates

Sunlight Federal Credit Union Money Market Rates

Sunlight Federal Credit Union Auto Loan Rates

Sunlight Federal Credit Union RV, Boat and Powersport Loan Rates

Sunlight Federal Credit Union Personal Loan Rates

Sunlight Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Customer Reviews

Frequently Asked Questions About Sunlight Federal Credit Union

How many branches does Sunlight Federal Credit Union operate?

Is a member application needed to join Sunlight Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Sunlight Federal Credit Union offer online and mobile banking?

Current Sunlight Federal Credit Union Rates

Compare to Other Credit Unions