Frequently Asked Questions | Sunlight Federal Credit Union

APR as low as 4.45% on new auto loans & 4.60% on used auto loans

All sunlight branches will be closed Monday september 7th in observance of labor day

Frequently Asked Questions

Does SFCU offer safe deposit boxes?

Yes, we offer this service in our Cody and Worland locations. Please contact us for availability.

Does SFCU exchange foreign currency?

No, we do not exchange foreign currency.

Does SFCU offer wire transfers?

Yes, we do offer domestic wires for members. Please give us a call so we can provide incoming wiring instructions.

Who do I contact if my debit/credit card is lost or stolen?

Debit Card-1-844-281-2433
Credit Card-1-844-818-6989

Does SFCU offer notary services?

Yes! Notaries are available free of charge to our members at all branches.

We do not provide Medallion Signature Guarantees.

What type of loans do you offer?

We offer several different consumer loan options including auto, boat, recreational vehicle, credit cards, personal loans, mortgages, and more!

How do I sign up for direct deposit?

Simply provide your employer with your account number and SFCU’s routing number. If your employer requires a direct deposit form, please give us a call!

Recently Added Questions

Do you have safe deposit boxes?

Yes, the Cody and Worland Branches have safety deposit boxes available to members.

Locations & Hours

Drive through is open 8:30-5:30 Monday – Friday and 9:00-12:00noon on Saturday.

If a member is under the age of 18, can they apply for a loan, Visa credit and/or Debit card,  or overdraft protection?

Members under 18 cannot open a loan, nor can they apply for a credit card or overdraft protection.

Do you offer business accounts?

SFCU does offer business accounts; General Partnership, Limited Partnership / Limited Liability Partnership, Corporation, Non-Profit Organization, Sole Proprietor (DBA), and Non – Profit Association.

Do you exchange foreign currency?

SfCU does not exchange foreign currency.

Most Popular Questions

For which utility bills do you accept payment?

We do not accept payments for utility bills.

What is the routing number of the credit union?

The Routing Number is: 302.386.736

How do I log in to online banking?

*link to online log in. Members will need their email address and phone number that is on file and their account number.

Does the credit union offer wire transfers?

Yes, wire transfers are available to members.

About Sunlight FCU

How can I apply for a membership at Sunlight Federal Credit Union?

Membership can be established online or in person.

What is the email address for the credit union?

@sunlightfcu.org

What is the fax number for the credit union?

Cody: Powell: 302-386-736, Worland: Sheridan:

Who can join Sunlight Federal Credit Union?

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Account questions

How do I add or remove joint owners from my account?

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How do I change my address on my account?

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How do I sign up for direct deposit?

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ATM questions

ATM Fees at Sunlight ATMs

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How long is the hold on deposits into an ATM?

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Is there a charge to get an ATM card?

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Certificates of Deposit questions

What are your CD rates?

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What is a Certificate of Deposit?

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Checking questions

Can I get overdraft protection?

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Does the credit union put a hold on checks?

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What are the charges for a checking share?

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What should I do if my checks were lost or stolen?

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Debit CArd questions

Can I use my debit card outside the United States?

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Fees for debit card purchases?

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Is there a charge for a new VISA check card?

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Who do I contact if my debit/credit card is lost or stolen?

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What is a debit card? What is a check card?

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Financial Literacy questions

Can you help me with my budget?

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How can I establish good credit?

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Is it a good idea to cosign a loan?

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Should I borrow money from my 401(k) for emergency cash?

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Should I buy or lease a car?

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Should I save financial records?

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General questions

Do you offer any investment services?

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Do you offer mobile banking?

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Does the credit union offer free bill payment?

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How can I reorder checks?

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What is the routing number of the credit union?

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What online/electronic services do you offer?

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What type of money market share accounts do you offer?

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Home Banking questions

How do I log on to online banking?

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How do I sign up for home banking?

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What is my initial home banking password?

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What should I do if my home banking login fails?

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Loan & Credit questions

Can you give ma a copy of my credit report?

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Do you have to be a member to apply for a loan?

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Do you offer mortgages?

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Does the credit union offer business loans?

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Does the credit union offer student loans?

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How can I apply for a loan?

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How can I make a loan payment?

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How do I get pre-approved for a loan?

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What is a signature loan?

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What type of loans do you offer?

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How often should I get a copy of my credit report?

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How can I get a copy of my credit report?

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Miscellaneous questions

Can I buy or cash in savings bonds at your office?

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Can my payroll be deposited directly into different accounts?

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Do you exchange foreign currency?

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Do you have safe deposit boxes?

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Do you offer business accounts?

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Do you offer notary services?

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Does the credit union have any open positions for employment?

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Does the credit union offer travelers checks and money orders?

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Does the credit union offer wire tranfers?

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For which utility bill do you accept payment?

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I need a place to stop a payment on a check. How can I do that?

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How can Is the money that I have on deposit at Sunlight FCU insured?I get a copy of my credit report?

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How do credit unions differ from banks?

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Roth IRA questions

Can I have both a traditional and a Roth IRA?

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I am currently unemployed, can I rollover my 401(k) to an IRA?

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Will I earn interest on my money if I put it into a Roth IRA?

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What is a Roth IRA?

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Who can contribute to a Roth IRA?

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Will my Roth IRA affect the amount that I can contribute to my employer-sponsored retirement plan?

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Security questions

What is Phishing?

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What is Vishing?

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What do I do if my wallet is lost or stolen?

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What should I do if I think I’ve been a victim of identity theft?

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