We always want the numbers to work in your favor. Our Savings Account, Money Market Account, High-Dividend Money Market Account, Share Certificate, Individual Retirement Account (IRA) and Checking Account interest rates are designed to grow your balances and leave your finances stronger than ever.
Rates current as of 05/01/2025All rates are annual percentage yields (APY). Our dividends are calculated daily and paid monthly. Minimum balance for Dividend Checking accounts is $500.
| Balance | Dividend Rate | APY |
|---|---|---|
| Under $500 | 0.00% | 0.00% |
| $500 - 4,999.99 | 0.20% | 0.20% |
| $5,000 - 9,999.99 | 0.25% | 0.25% |
| $10,000 and Above | 0.349% | 0.35% |
* The rate may change after the account is opened.
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:
| Balance | Dividend Rate | APY |
|---|---|---|
| Up to $15,000* | 2.96% | 3.00% |
* The High-Dividend Rate, as high as 3.00% Annual Percentage Yield (APY), is paid on balances up to $15,000 if qualifications are met. No dividend will be paid on balances over $15,000. If qualifications are not met during any given month, no dividend will be paid. Accounts will be reviewed on the last day of each month and qualifications must be met on this day. Dividends will be based on daily balance. No minimum balance is required. Rates subject to change without notice. The rate may change after the account is opened.
Dividends are calculated daily and paid monthly. All rates are annual percentage yields (APY). Minimum balance for Business Checking accounts are $1,000.
| Balance | Dividend Rate | APY |
|---|---|---|
| Under $1,000 | 0.00% | 0.00% |
| $1,000 and Above | 0.25% | 0.25% |
*The rate may change after the account is opened.
| Balance | Dividend Rate | APY |
|---|---|---|
| $5 - 4,999.99 | 0.25% | 0.25% |
| $5,000 and Above | 0.25% | 0.25% |
* The rate may change after the account is opened.
| Balance | Dividend Rate | APY |
|---|---|---|
| $1,000 - 9,999.99 | 0.499% | 0.50% |
| $10,000 - 24,999.99 | 0.549% | 0.55% |
| $25,000 - 49,999.99 | 0.598% | 0.60% |
| $50,000 - 99,999.99 | 0.698% | 0.70% |
| $100,000 - 249,999.99 | 0.797% | 0.80% |
| $250,000 and Above | 0.995% | 1.00% |
Dividends are compounded and credited monthly. The minimum opening deposit is $1,000.00. The minimum balance to avoid a service fee is $1,000.00 or you will be assessed a $5 per month charge. The rate may change after the account is opened.
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.
| Balance | Dividend Rate | APY |
|---|---|---|
| $0 - $99,999.99 | 0.25% | 0.25% |
| $100,000 - $249,999.99 | 2.716% | 2.75% |
| $250,000 and Above | 3.445% | 3.50% |
Dividends are compounded and credited monthly. The minimum opening deposit is $100,000.00. The rate may change after the account is opened.
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.
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.
Military affiliated members and primary account holders of a Youth Account are eligible to receive a 0.50% APY* bump on a new Share Certificate.
| Certificate Term | Dividend Rate | APY | Minimum Deposit |
|---|---|---|---|
| 6 Month | 3.941% | 4.00% | $100.00 |
| 9 Month | 3.698% | 3.75% | $100.00 |
| 1 Year | 3.601% | 3.65% | $100.00 |
| 18 Month | 3.455% | 3.50% | $100.00 |
| 2 Year | 3.357% | 3.40% | $100.00 |
| 30 Month | 3.357% | 3.40% | $100.00 |
| 3 Year | 3.309% | 3.35% | $100.00 |
| 4 Year | 3.406% | 3.45% | $100.00 |
| 5 Year | 3.455% | 3.50% | $100.00 |
*Military affiliated members are eligible to receive a 0.50% Annual Percentage Yield (APY) Share Certificate rate increase in addition to the currently listed rate for Share Certificates. Promotional/Special Share Certificates and IRA Share Certificates are not eligible for the special 0.50% APY rate increase. Offer only available to Active Duty, Active Reserve, or Retired Military Members with valid Military ID.
*Eligible Youth Accounts may receive a 0.50% Annual Percentage Yield (APY) rate increase in addition to the currently listed rate for Share Certificates. An eligible Youth Account is a WYO Cash Account or WYO Wrangler Account in which the primary account holder is under the age of 18. The primary account holder must meet all other membership requirements. Promotional/Special Share Certificates and IRA Share Certificates are not eligible for the special 0.50% APY rate increase. Additionally, all Share Certificates purchased under eligible Youth Accounts may have additional deposits to them throughout the term of the Certificate. Both the offers of the 0.50% APY bonus and the ability to make additional deposits to Certificate accounts are only available to the primary account holder of an eligible Youth Account. All Certificate accounts purchased under a Youth Account will not be eligible for auto renewal after the Youth Account holder has reached the age of 18.
* Fees could reduce earnings.
Interested in opening an IRA or HSA? Give us a call at (307) 721-5600 or visit one of our branches!
| Type | Dividend Rate | APY | Minimum Deposit |
|---|---|---|---|
| Traditional IRA | 0.499% | 0.50% | $100.00 |
| Roth IRA | 0.499% | 0.50% | $100.00 |
| Coverdell IRA | 0.499% | 0.50% | $100.00 |
| SEP IRA | 0.499% | 0.50% | $100.00 |
| HSA - Single | 0.499% | 0.50% | N/A |
| HSA - Family | 0.499% | 0.50% | N/A |
Interested in opening an IRA or HSA? Give us a call at (307) 721-5600 or visit one of our branches!
| Certificate Term | Dividend Rate | APY | Minimum Deposit |
|---|---|---|---|
| 1 Year | 3.601% | 3.65% | $100.00 |
| 3 Year | 3.309% | 3.35% | $100.00 |
| 5 Year | 3.455% | 3.50% | $100.00 |
* Fees could reduce earnings.
UniWyo is a full-service credit union with branches in Casper, Cheyenne, Cody, Douglas, Glenrock, Laramie, and on-campus at the University of Wyoming.