Reach new heights with our competitively low rates.
Our goal is to lend you a hand without charging an arm and a leg. Our auto financing, mortgages, home equity products and other loans are designed to give your life a well-deserved lift.
Loan Rates
Lending Rates
All loan rates are quoted as the as low as annual percentage rate (APR) and are based on length of term and credit history. Both fixed and variable rate mortgages are available at UniWyo.
Please call the loan department at 307-721-5607 for a current rate quote or apply online for a loan.
Military affiliated members are eligible to receive 0.25% APR discount on a new loan.*
| Loan Type | APR |
|---|---|
| Auto | 5.74% |
| Motor Homes/RV/Boat | 7.74% |
| Power Sports | 6.74% |
| Equipment | 8.24% |
| Home Equity Fixed | 6.24% |
| Home Equity Line of Credit** | 8.25% |
| Personal | 10.49% |
| Personal Line of Credit | 12.74% |
| VISA Credit Card*** | 12.74% |
| Unimproved Property | 7.99% |
| Share Secured Loan | 2.00% APR above share savings dividend rate |
| Share Secured Credit Card | 12.74% |
| Credit Builder Loan | 12.00% |
All quoted rates on Auto, Motor Home/RV/Boat, Power Sports, Equipment, Personal, and Personal Line of Credit reflects a 0.75% APR Loan Discount with existing qualified membership.
*The 0.25% APR Military Loan Discount is subject to credit approval and is applied to the rate you qualify for based on underwriting standards. Credit Cards, lines of credit, share secured loans, and mortgages are excluded. Offer available only to Active Duty, Active Reserve, or Retired Military Members with valid Military ID.
**Introductory rate as low as 4.99% APR is available for new Home Equity Line of Credit (HELOC) loans for a 6 month period from the loan closing date. Introductory rate is subject to credit approval, your rate may be higher. After the introductory rate period, the rates for this loan type are based on the applicant’s credit score at the time of application. The regular minimum interest rate is a variable rate based on the Prime Rate and a margin, with a floor of 8.25% APR and maximum ceiling of 18.00% APR. Home Equity Line of Credit fees generally total between $50.00 and $2,000.00.
***VISA Credit Card Foreign Transaction Fee is 1.00% of each multiple currency transaction in U.S. dollars or 0.80% of each single currency transaction in U.S. dollars.
UniWyo is a full-service credit union with branches in Cheyenne and Laramie, Wyoming, including on-campus at the University of Wyoming.