Deposit Rates

Your money is headed in the right direction.

We always want the numbers to work in your favor. Our Savings, Money Market, Share Certificate, IRA and Checking rates are designed to grow your balances and leave your finances stronger than ever.

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 0.05% 0.05%
$5,000 - 9,999.99 0.10% 0.10%
$10,000 and Above 0.20% 0.20%

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* 2.47% 2.50%

Share Savings Accounts

Balance Rate APY
$5 - 4,999.99 0.05% 0.05%
$5,000 and Above 0.05% 0.05%

Money Market

Balance Rate APY
$2,500 - 9,999.99 0.10% 0.10%
$10,000 - 24,999.99 0.15% 0.15%
$25,000 - 49,999.99 0.20% 0.20%
$50,000 - 99,999.99 0.25% 0.25%
$100,000 and Above 0.35% 0.349%

Investment Rates

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 withdrawal.

Share Certificate

Certificate Term Dividend Rate APY Minimum Deposit
6 Month 0.25% 0.25% $250.00
1 Year 1.145% 1.15% $250.00
2 Year 0.748% 0.75% $250.00
3 Year 0.798% 0.80% $250.00
4 Year 0.847% 0.85% $250.00
5 Year 0.947% 0.95% $250.00

IRA and HSA

Type Dividend Rate APY Minimum Deposit
Traditional IRA .30% .30% $500.00
Roth IRA .30% .30% $500.00
Coverdell IRA .30% .30% $500.00
SEP IRA .30% .30% $500.00
HSA - Single .30% .30% N/A
HSA - Family .30% .30% N/A

IRA Share Certificate

Certificate Term Dividend Rate APY Minimum Deposit
1 Year 1.145% 1.15% $500.00
3 Year .798% .8% $500.00
5 Year 0.947% 0.95% $500.00

UniWyo is a full-service credit union with branches in Cheyenne and Laramie, Wyoming, including on-campus at the University of Wyoming.