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Sunlight

PO BOX 190, Cody, WY 82414
NCUA Insured3.8 (14 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1953

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

PO BOX 190

Cody, WY 82414

Service Area

This credit union is located in Cody and serves members in the WY area. Currently serving 8,704 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.50%

Used Auto Loan

7.00%

Personal Loan

11.99%

Credit Card APR

15.49%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in WY

Lowest rates currently reported by credit unions in WY (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(4 total)

Member Reviews

3.8

14 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Taylor Hall

Taylor Hall

2 years ago

This review might be lengthy but everything is accurate and documented on what I’m about to say. My family and myself have banked with sunlight for over a decade, within the last year they have managed to push my family and myself away from banking at sunlight for multiple reasons. A few months back I did a refinance on a vehicle to get my wife off the loan. After the paperwork was submitted to have her removed from the loan, sunlight was reporting her as the sole individual on the loan when legally she was not apart of the loan anymore. In discussions with sunlight afterward via email, they managed to say they “were fixing the issue” and would let me know when it was resolved. Fast forward a few months, I go to trade that vehicle in on another vehicle, they run the report and come to find out my interest rate gets raised to the roof because sunlight never reported me making a payment on the vehicle that was under MY name and solely under my name because they were reporting it in my wife’s name. Now fast forward a few more months, I go to do the refinance on the vehicle I just bought with the huge interest rate because of sunlights mistake and they say they could do a pretty reasonable rate. They ask me to fill out the app, which I do, and then I get a call back from someone who was completely disrespectful and proceeded to tell me that my new interest rate is going to be higher than the current one I had after just a week ago they told me it would be lower. This all started from sunlights initial screw up on my previous car deal. The lack of communication and the poor attention to detail is mind blowing to me. We were loyal customers and to be treated like we were garbage was the last straw for us. We canceled all our accounts with sunlight and we will never return. I hope anyone that is currently banking here is really paying attention to what is going on with there accounts. I don’t recommend banking here unless you want to deal with blatant disrespect and manipulation of your money. Sorry for the long review and I hope to open the eyes of individuals who are considering banking here.

Zoey Lentz

Zoey Lentz

2 years ago

I love this credit union! First account i ever opened and they have never let me down. Their staff is always friendly and helpful and I dont make it easy for them. A big shout out to Krystal for being awesome and helping me figure out why I had two charges and an overdraft fee! I left with just the one charge, overdraft protection and my card in tact! Thank you guys!

Hilary Woodis

Hilary Woodis

a year ago

I’ve had a vehicle loan with this union for the last 6 years. What has been demonstrated to me by this organization, is the outstanding lack of attention to detail and professionalism. The loan has since been paid off, but Sunlight failed to cancel ACH. No problem. Call Sunlight, money will be back in a few days. 20 days later, money has not been reversed. There’s been several issues with this account, including not applying full ACH payments to the loan, ACH pulling after account was paid off, and other issues along the way. Each time I’ve called for resolution, I seem to have found the rudest individuals to speak to. I am so very happy this loan is paid off and I can sever this financial relationship permanently and never have to speak to anyone at Sunlight Federal Credit Union again.

Lynette Hazlitt

Lynette Hazlitt

2 years ago

I’ve banked here for ten years and was never disappointed in their service until now. I had a fraudulent transaction on my account and it has been incredibly frustrating dealing with them over this problem, by the bank manager’s own admission their fraud department is not very good and they are supposedly working on that. Due to my lack of confidence in them I will be looking for a new bank.

Shon Keller

Shon Keller

a year ago

Employees are awesome and very helpful when I needed help to get back to my car and the teller helped me back out to my car, I'm so thankful for that,

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).