UniWyo Interest Rates
UniWyo Deposit Rates
Share Checking Rates For Accounts Established Prior to 06/04/2007
All rates are annual percentage yields. Our dividends are calculated daily and paid monthly. This statement is accurate as of 04/29/2008. Rates are subject to change without notice.
| Range | Dividend Rate | APY** |
| $0- $999 | 0.0% | 0.0% |
| $1000-$2999 | 0.0% | 0.0% |
| $3000+ | .75% | low 0.0%/ high .10% |
| Examples | ||
| >$10,000 | 0.43% | |
| $20,000 | 0.59% | |
| $30,000 | 0.64% | |
| $50,000 | 0.69% |
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 04/29/2008. Rates are subject to change without notice.
| Range | Dividend Rate | APY** |
| $500-$4999 | .50% | .50% |
| $5000-$9999 | 1.00% | 1.00% |
| $10000+ | 2.00% | 2.02% |
Free Checking Accounts
No Dividends Paid on Free Checking accounts.
Share 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 04/29/2008. Rates are subject to change without notice.
| Range | Dividend Rate | APY** |
| $5-$1999 | .50% | .50% |
| $2000-$4999 | .75% | low .50% high .65% |
| $5000 & up | 1.50% | low .65% / high 1.51% |
| Examples | ||
| $10,000 | 1.08% | |
| $20,000 | 1.29% | |
| $30,000 | 1.37% | |
| $50,000 | 1.42% | |
| $100,000 | 1.47% | |
| $150,000 | 1.48% | |
| $200,000 | 1.49% | |
| $250,000 | 1.49% |
Money Market Rates
Rates are Subject to Change.
| APR* | APY** | |
| $2,500 - $9,999 | 1.00% | 1.00% |
| $10,000 - $24,999 | 1.50% | 1.51% |
| $25,000 - $49,999 | 2.00% | 2.02% |
| $50,000 and Over | 2.25% | 2.27% |
| $100,000 and Over | 2.75% | 2.75% |
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. Also, see below for our out of town dealers for your one-stop shopping. 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 5.5% APR |
| Home Equity Line of credit | as low as 7.25% APR |
| Signature | as low as 10.25% APR |
| Signature Line of Credit | as low as 11.5% APR |
Investment Rates
Share Certificate Rates
These rates are accurate as of April 29th , 2008 .
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 | 2.47% | $1,000 |
| 6 Months | 2.67% | $500 |
|
12
Months (IRA 1YR) |
2.67% | $250 |
| 13 Month | 3.29% | $250 |
| 24 Months (IRA 2YR) |
2.78% | $250 |
|
36
Months (IRA 3YR) |
2.78% | $250 |
|
60
Months (IRA 5YR) |
2.99% | $250 |
Jumbo Share Certificate Rates
| Term | APY** | Minimum Deposit |
| 3 Months | 2.73% | $25,000 |
| 6 Months | 2.93% | $25,000 |
|
12
Months (IRA 1YR) |
2.93% | $25,000 |
| 13 Month | 3.29% | $25,000 |
|
24
Months (IRA 2YR) |
3.03% | $25,000 |
|
36
Months (IRA 3YR) |
3.19% | $25,000 |
|
60
Months (IRA 5YR) |
3.40% | $25,000 |
IRA Share Certificates
| Term | APY** | Minimum Deposit |
| 1 Year | 2.67% | $500.00 |
| 13 Month | 3.29% | $500.00 |
| 2 Year | 2.78% | $500.00 |
| 3 Year | 2.78% | $500.00 |
| 5 Year | 2.99% | $500.00 |
*Annual Percentage Rate
**Annual Percentage Yield
© 2006 UniWyo FCU Privacy Policy 
Equal Housing Lender 
Federally Insured by the NCUA
1610 E Reynolds St. Laramie, WY 82072 Toll Free: 1-866-4UNIWYO (486-4996)
Hours of Operation: Lobby: 8:30 AM to 4:30 PM,Monday through Friday. Drive-up: 7:30 AM to 5:30 PM, Monday through Friday. Saturday: Drive-up only 9 AM to 1 PM