Credit union · NCUA insured
Sunlight Federal Credit Union CD Rates
Top CarrotSunlight Federal Credit Union’s best CD rate is 4.03% APY on a 13-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Sunlight Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Cody, WY, where Sunlight Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Sunlight Federal Credit Union
3.67%APY
- Term
- 3 months
- Minimum
- $500
- Earns on $10,000
- $91
Share Certificates
Top rate
UniWyo Credit Union
4.40%APY
- Term
- 60 months
- Minimum
- $100
- Earns on $10,000
- $2,402
2nd-highest rate
Valley Credit Union
4.33%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $433
Sunlight Federal Credit Union CD score
81
CD score
Higher than 56% of U.S. banks and credit unions
- 3–8 months3–8 mo3.67%
- 9–15 months9–15 mo3.67%
- 16–30 months16–30 mo3.67%
- 31–60 months31–60 mo3.51%
- QualifiedQualified3.67%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Sunlight Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 4.03%APY · 12 terms
Membership eligibility required. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDividends are compounded daily. Dividends are credited monthly. Early withdrawal penalty: 90 Days Interest | 3.67% | $91 |
| 6 monthsDividends are compounded daily. Dividends are credited monthly. Early withdrawal penalty: 90 Days Interest | 3.67% | $182 |
| 9 monthsDividends are compounded daily. Dividends are credited monthly. Early withdrawal penalty: 90 Days Interest | 3.67% | $274 |
| 11 monthsThe 50 States Special promotional share certificate. New Money Only. At maturity, renews into a standard 12-month term at then-current rate. Cannot be combined with any other promotion or rate adjustment, including Star Member program. Dividends are compounded daily. Dividends are credited monthly. Early withdrawal penalty: 90 Days Interest | 3.92% | $359 |
| 12 monthsDividends are compounded daily. Dividends are credited monthly. Early withdrawal penalty: 180 Days Interest | 3.67% | $367 |
| 13 monthsThe 250th Anniversary Special promotional share certificate. New Money Only. At maturity, renews into a standard 12-month term at then-current rate. Cannot be combined with any other promotion or rate adjustment, including Star Member program. Dividends are compounded daily. Dividends are credited monthly. Early withdrawal penalty: 180 Days Interest | 4.03% | $437 |
| 18 monthsDividends are compounded daily. Dividends are credited monthly. Early withdrawal penalty: 180 Days Interest | 3.67% | $556 |
| 24 monthsDividends are compounded daily. Dividends are credited monthly. Early withdrawal penalty: 180 Days Interest | 3.67% | $747 |
| 30 monthsDividends are compounded daily. Dividends are credited monthly. Early withdrawal penalty: 180 Days Interest | 3.51% | $901 |
| 36 monthsDividends are compounded daily. Dividends are credited monthly. Early withdrawal penalty: 180 Days Interest | 3.51% | $1,090 |
| 48 monthsDividends are compounded daily. Dividends are credited monthly. Early withdrawal penalty: 180 Days Interest | 3.51% | $1,480 |
| 60 monthsDividends are compounded daily. Dividends are credited monthly. Early withdrawal penalty: 180 Days Interest | 3.51% | $1,883 |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
Youth Certificate
17.23%APY · 1 term
Ages 0 to 17. Minimum and Maximum Opening Deposit of $100. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsAges 0 to 17. Minimum and Maximum Opening Deposit of $100. Dividends are compounded daily. Dividends are credited monthly. Early withdrawal penalty: 90 Days Interest | 17.23% | $827 |
Sources (1)
- sunlightfcu.com/sunlight-rates · captured Oct 22, 2026
Who can join Sunlight Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.