Rates

  • Savings Rates
  • Loan Rates

Truth in Savings

 

  
Deposit Rates Investment Rates

Deposit Rates

These rates are accurate as of 05/21/2013.
Rates are subject to change without notice.

Dividend Checking Accounts

All rates are annual percentage yields (APY). Our dividends are calculated daily and paid monthly. Minimum balance for Dividend Checking accounts is $500.

Balance Rate APY
Under $500 0.00% 0.00%
$500 - 4,999.99 0.10% 0.10%
$5,000 - 9,999.99 0.15% 0.15%
$10,000 and Above 0.25% 0.25%

Xtraordinary Checking Accounts

Our dividends are calculated daily and paid monthly. Maximum rate paid on balances of $15,000 and under. To qualify for the maximum rate, you must meet the following criteria:

  • Be enrolled in UniWyo E-Statements
  • Have at least 10 posted debit card purchases per month with an average transaction amount of $5.00 or more
  • Have at least one Direct Deposit into your Xtraordinary Checking account
  • Have an aggregate deposit/loan balance of $5,000 or more at UniWyo
Balance Rate APY
Up to $15,000* 2.95% 2.99%
$15,000 and Above 0.10% 0.10%

* If all account qualifications are met, balances up to $15,000 will earn 2.99% APY.  If not, the entire balance will earn 0.10% APY.

Share Savings Accounts


Balance Rate APY
$5 - 4,999.99 0.10% 0.10%
$5,000 and Above 0.10% 0.10%

Money Market


Balance Rate APY
$2,500 - 9,999.99 0.10% 0.10%
$10,000 - 24,999.99 0.20% 0.20%
$25,000 - 49,999.99 0.25% 0.25%
$50,000 - 99,999.99 0.35% 0.35%
$100,000 and Above 0.35% 0.35%

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.

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Investment Rates

These rates are accurate as of 05/21/2013.

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 will be imposed for early withdrawl.

Share Certificate

Certificate Term Dividend Rate APY Minimum Deposit Jumbo Rate Min. Deposit $25,000 Jumbo APY
3 Month 0.15% 0.15% $1,000.00 0.25% 0.25%
6 Month 0.35% 0.35% $500.00 0.45% 0.45%
1 Year 0.70% 0.70% $250.00 0.80% 0.80%
2 Year 0.85% 0.85% $250.00 1.00% 1.00%
3 Year 1.20% 1.21% $250.00 1.30% 1.31%
37 Month 1.50% 1.51% $250.00 1.50% 1.51%
5 Year 1.80% 1.81% $250.00 1.90% 1.91%

IRA and HSA


Type Dividend Rate APY
Traditional IRA 1.00% 1.00%
Roth IRA 1.00% 1.00%
Coverdell IRA 1.00% 1.00%
SEP IRA 1.00% 1.00%
HSA - Single 1.00% 1.00%
HSA - Family 1.00% 1.00%

IRA and HSA Share Certificate


Certificate Term Dividend Rate Min Deposit $500 APY Jumbo Rate Min Deposit $25,000 Jumbo APY
1 Year 0.70% 0.70% 0.80% 0.80%
3 Year 1.20% 1.21% 1.30% 1.31%
5 Year 1.80% 1.81% 1.90% 1.91%
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Lending 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.

Loan Type APR
Auto Loans as low as 2.75% APR
Motor homes and RV-Trailers as low as 4.50% APR
Motorcycles, Boats, 4x4's, Snow Machines. as low as 4.25% APR
Home Equity Fixed as low as 4.00% APR
Home Equity Line of credit* as low as 4.00% APR
Signature as low as 8.50% APR
Signature Line of Credit as low as 11.75% APR
VISA Card as low as 7.90% APR
Unimproved Property as low as 6.75% APR
* Maximum rate that may be imposed on a variable rate Home Equity Line of Credit is 18% APR.