Truth in Savings

Deposit Rates

These rates are accurate as of 10/01/2020.

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 0.05% 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* 2.956% 3.00%

* The Xtraordinary Rate, as high as 3.00% Annual Percentage Yield (APY) effective 07/01/2020, 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 0.05% 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 0.20% 0.20%
$25,000 - 49,999.99 0.25% 0.25%
$50,000 - 99,999.99 0.30% 0.30%
$100,000 and Above 0.349% 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.

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 0.449% 0.45% $250.00
1 Year 0.648% 0.65% $250.00
2 Year
0.847% 0.85% $250.00
3 Year 0.947% 0.95% $250.00
4 Year
1.195% 1.20% $250.00
5 Year
1.294% 1.30% $250.00

Put your money to work for you in a UniWyo Share Certificate!

Open a Share Certificate, quick and easy, give us a call at (307) 721-5600 or online: Open a Share Certificate


Type Dividend Rate APY
Traditional IRA .847% .85%
Roth IRA .847% .85%
Coverdell IRA .847% .85%
SEP IRA .847% .85%
HSA - Single .847% .85%
HSA - Family .847% .85%

IRA Share Certificate

Certificate Term Dividend Rate Min Deposit $500 APY
1 Year 0.648% 0.65%
3 Year 0.947% 0.95%
5 Year 1.294% 1.30%

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
as low as 2.99% APR
Motor Homes/RV/Boat as low as 4.74% APR
Power Sports as low as 3.24% APR
Equipment as low as 4.99% APR
Home Equity Fixed as low as 3.49% APR
Home Equity Line of credit* as low as 3.50% APR
as low as 8.74% APR
Personal Line of Credit as low as 11.99% APR
VISA Card as low as 6.15% APR
Unimproved Property as low as 6.74% APR
Share Secured Loan
2.00% APR above share savings dividend rate
Share Secured Credit Card
as low as 6.15% APR
Credit Builder Loan
as low as 12.00% APR
* Maximum rate that may be imposed on a variable rate Home Equity Line of Credit is 18.00% APR.