Credit union · NCUA insured
Sunlight Federal Credit Union Savings Rates
Top CarrotSunlight Federal Credit Union’s best savings rate is 2.53% APY on $10,000, with its Cub Savings. Rates checked October 22, 2026.
How Sunlight Federal Credit Union’s savings 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
2.53%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $253
Cub Savings
2nd-highest rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
3rd-highest rate
Valley Credit Union
1.76%APY
- Requires
- Monthly account activity
- Minimum
- $1
- Earns on $10,000 a year
- $176
Sunlight Federal Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0002.53%
- $10,000 balance$10,0002.53%
- $100,000 balance$100,0002.53%
- QualifiedQualified2.53%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Cub Savings
2.53%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25 and up | 2.53% | $253 |
Sources (1)
- sunlightfcu.com/sunlight-rates · captured Oct 15, 2026
High Yield Savings
2.02%APY
Available exclusively to Star Members. Eligibility subject to qualifying service(s) enrollment. Minimum balance of $1,000.00 required to avoid a $2.00 monthly service charge.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000$2.00 monthly service charge applied to balances less than $1,000.00. | 0.15% | — | $2.00 monthly service charge applied to balances less than $1,000.00. |
| Over $1,000 | 2.02% | $202 |
Sources (2)
All captured Oct 15, 2026
Tiered money market
1.31%APY
Account limitations and fees may apply to Money Market accounts based upon the number of monthly withdrawals.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $2,500 | 1.31% | $131 |
| Over $50,000 | 1.56% | — |
| Over $100,000 | 1.81% | — |
Sources (1)
- sunlightfcu.com/sunlight-rates · captured Oct 15, 2026
Primary Share
0.15%APY
Membership pledge/eligibility required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $50 and up | 0.15% | $15 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
IRA Accounts
3.05%APY
Offers Traditional, Roth, and Rollover IRAs. Rates may change after account opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplicable to Roth/Traditional IRAs.Any balance | 3.05% | $305 | Applicable to Roth/Traditional IRAs. |
Sources (1)
- sunlightfcu.com/ira-accounts · captured Oct 15, 2026
Club
1.51%APY
Also referred to as Christmas Club. Accumulated savings are withdrawn before the holiday season.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $50 and up | 1.51% | $151 |
Sources (2)
All captured Oct 15, 2026
Health Savings Account
0.15%APY
Available to individuals with a high-deductible health plan.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Sources (1)
- sunlightfcu.com/health-savings-accounts · captured Oct 15, 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.