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UniWyo Interest Rates

UniWyo Deposit Rates

Dividend Checking Accounts

All rates are annual percentage yields. Our dividends are calculated daily and paid monthly. Minimum balance for Dividend Checking accounts is $500. This statement is accurate as of 03/09/2010. Rates are subject to change without notice.

Range	Dividend Rate	APY**
$500-$4999	.15%	.15%
$5000-$9999	.20%	.20%
$10000+	.35%	.35%

Xtraordinary Checking Accounts

Our dividends are calculated daily and paid monthly. Maximum rate paid on balances of $25,000 and under. To qualify for the maximum rate, you must meet the following criteria:

- Be enrolled in UniWyo E-Statements
- Have a UniWyo Debit card and make 10 purchases with it per month
- Have at least one Direct Deposit into your Xtraordinary Checking account
- Have an aggregate deposit/loan balance of $5,000 or more at UniWyo

If all account qualifications are met, balance will earn maximum APY. If not, the entire balance will earn .15% APY.
Rates are subject to change without notice.

Balance	APR*	APY**
Up to $25,000	4.15%	4.21%
$25,001 and Above	.15%	.15%

Share Savings Accounts

All rates are annual percentage yields. Our dividends on savings accounts are calculated daily and paid quarterly. The rate may be changed after an account is opened. This statement is accurate as of 03/09/2010. Rates are subject to change without notice.

Range	Dividend Rate	APY**
$5-$4999	.25%	.25%
$5000 & up	.50%	low .35% / high .50%

Money Market Rates

Rates are Subject to Change.

	APR*	APY**
$2,500 - $9,999	.25%	.25%
$10,000 - $24,999	.50%	.50%
$25,000 - $49,999	.95%	.95%
$50,000 and Over	1.15%	1.15%
$100,000 and Over	1.35%	1.36%

Dividends are compounded and credited monthly. The minimum opening deposit is $2,500.00. The minimum balance to avoid a service fee is $2,500.00 or you will be assessed a $5 per month charge. Minimum withdrawal required is $250.00

Account Limitations: For share money market accounts, no more than six (6) pre-authorized, automatic, or telephone transfers may be made from each account to another account or to a third party in any month, and no more than three (3) of these six (6) transfers may be made by check, draft, or debit card to a third party. If you exceed these limitations, your account may be subject to a fee or be closed.

UniWyo Lending Interest Rates

All loan rates are based on length of term and credit history. All rates are Annual Percentage Rate.

Both fixed and variable rate mortgages are available at UniWyo. Please call the loan department at 307-721-5600 for a current rate quote.

UniWyo members enjoy the convenience of one stop shopping at local car dealers combined with UniWyo's low rates on loans. UniWyo works with these dealers to bring you this service: Laramie GM AutoCenter, Ken's Toyota, McCarty Honda, Kotby Motors, and Laramie Ford. Let these dealers know that you are a UniWyo member and they will complete all the paperwork needed for you to obtain your loan from UniWyo! For those members interested in snowmobile or ATV purchases, UniWyo has a similar arrangement with Frontier Cycles, Maverick Motor Sports, and TNT Motorsports!

Auto Loans	as low as 4.75% APR
Motor homes and RV-Trailers	as low as 5.25% APR
Motorcycles, Boats, 4x4's, Snow Machines.	as low as 5.50% APR
Computers	as low as 10.00% APR
Unimproved Property	as low as 9.75% APR
Home Equity Fixed	as low as 4.5% APR
Home Equity Line of credit	as low as 4.0% APR
Signature	as low as 10.25% APR
Signature Line of Credit	as low as 11.5% APR

Investment Rates

These rates are accurate as of March 9th, 2010 .

Rate changes are published every Tuesday, unless the Federal Reserve is closed on Monday. In that case, the rates are published on Wednesday. The rates may change after an account is opened. A penalty may be imposed for early withdrawl.

Share Certificate Rates

Term	APY**	Minimum Deposit
3 Months	.25%	$1,000
6 Months	.75%	$500
12 Months (IRA 1YR)	1.26%	$250
13 Month	2.01%	$250
24 Months (IRA 2YR)	1.76%	$250
36 Months (IRA 3YR)	2.06%	$250
37 Months	2.62%	$250
60 Months (IRA 5YR)	2.72%	$250

Jumbo Share Certificate Rates

Term	APY**	Minimum Deposit
3 Months	.50%	$25,000
6 Months	1.00%	$25,000
12 Months (IRA 1YR)	1.51%	$25,000
13 Month	2.01%	$25,000
24 Months (IRA 2YR)	2.01%	$25,000
36 Months (IRA 3YR)	2.42%	$25,000
37 Month	2.62%	$25,000
60 Months (IRA 5YR)	2.99%	$25,000

IRA and HSA Rates

Type	APY**
Traditional IRA	3.04%
Roth IRA	3.04%
Coverdell IRA	3.04%
SEP IRA	3.04%
HSA - Single	2.02%
HSA - Family	2.02%

IRA and HSA Share Certificates

Term	APY**	Minimum Deposit
1 Year	1.26%	$500.00
3 Year	2.02%	$500.00
5 Year	2.68%	$500.00

JUMBO IRA and HSA Share Certificates

Term	APY**	Minimum Deposit
1 Year	1.51%	$25,000.00
3 Year	2.417%	$25,000.00
5 Year	2.78%	$25,000.00

*Annual Percentage Rate **Annual Percentage Yield