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.
Deposit Rates
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 | 0.15% | 0.15% |
| $5,000 - 9,999.99 | 0.20% | 0.20% |
| $10,000 and Above | 0.30% | 0.30% |
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% |
* The Xtraordinary Rate, as high as 2.50% Annual Percentage Yield (APY) effective 11/01/2020, 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.
Share Savings Accounts
| Balance | Rate | APY |
|---|---|---|
| $5 - 4,999.99 | 0.15% | 0.15% |
| $5,000 and Above | 0.15% | 0.15% |
Money Market
| Balance | Rate | APY |
|---|---|---|
| $2,500 - 9,999.99 | 0.25% | 0.25% |
| $10,000 - 24,999.99 | 0.30% | 0.30% |
| $25,000 - 49,999.99 | 0.349% | 0.35% |
| $50,000 - 99,999.99 | 0.399% | 0.40% |
| $100,000 - 249,999.99 | 0.499% | 0.50% |
| $250,000 and Above | 0.598% | 0.60% |
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.
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
Military affiliated members are eligible to receive a 0.25% APY* bump on a new Share Certificate.
| Certificate Term | Dividend Rate | APY | Minimum Deposit |
|---|---|---|---|
| 6 Month | 0.499% | 0.50% | $250.00 |
| 1 Year | 1.145% | 1.15% | $250.00 |
| 15 Month | 3.211% | 3.25% | $250.00 |
| 2 Year | 1.492% | 1.50% | $250.00 |
| 3 Year | 1.739% | 1.75% | $250.00 |
| 4 Year | 1.985% | 2.00% | $250.00 |
| 5 Year | 2.231% | 2.25% | $250.00 |
*The 0.25% APY Share Certificate rate increase is in addition to the currently listed rate for Share Certificates. Promotional/Special Share Certificates and IRA Share Certificates are not eligible for the special 0.25% APY rate increase. Offer available only to Active Duty, Active Reserve, or Retired Military Members with valid Military ID.
IRA and HSA
| Type | Dividend Rate | APY | Minimum Deposit |
|---|---|---|---|
| Traditional IRA | 0.40% | 0.40% | $500.00 |
| Roth IRA | 0.40% | 0.40% | $500.00 |
| Coverdell IRA | 0.40% | 0.40% | $500.00 |
| SEP IRA | 0.40% | 0.40% | $500.00 |
| HSA - Single | 0.40% | 0.40% | N/A |
| HSA - Family | 0.40% | 0.40% | N/A |
Interested in opening an IRA or HSA? Give us a call at (307) 721-5600 or visit one of our branches!
IRA Share Certificate
Military affiliated members are eligible to receive a 0.25% APY* bump on a new Share Certificate.
| Certificate Term | Dividend Rate | APY | Minimum Deposit |
|---|---|---|---|
| 1 Year | 1.145% | 1.15% | $500.00 |
| 3 Year | 1.739% | 1.75% | $500.00 |
| 5 Year | 2.231% | 2.25% | $500.00 |
Interested in opening an IRA Share Certificate? Give us a call at (307) 721-5600 or visit one of our branches!
*The 0.25% APY Share Certificate rate increase is in addition to the currently listed rate for Share Certificates. Promotional/Special Share Certificates and IRA Share Certificates are not eligible for the special 0.25% APY rate increase. Offer available only to Active Duty, Active Reserve, or Retired Military Members with valid Military ID.
UniWyo is a full-service credit union with branches in Cheyenne and Laramie, Wyoming, including on-campus at the University of Wyoming.