UniWyo Federal Credit Union

1610 E Reynolds Street
Laramie, WY 82072
307-721-5600
www.uniwyo.com

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UniWyo Federal Credit Union is headquartered in Laramie and is the 3^rd largest credit union in the state of Wyoming. It is also the 802^nd largest credit union in the nation. It was established in 1953 and as of March of 2013, it had grown to 43 employees and 18,320 members. UniWyo Federal Credit Union's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

UniWyo Federal Credit Union Routing Number: 307086882

UniWyo FCU Dropped Their Xtraordinary Checking Account Limit... (Forum) - 1/8/2013

From (2.99%, $25K) to (2.99%, $15K). Not clear about the effective date for this change.

UniWyo FCU Reduced RCA (Xtraordinary Checking) Rate... (Forum) - 10/4/2011

from (3.65%, $25K) to (3.29%, $25K). The footnote still says 3.65%:-)

Uniwyo FCU Rates Unchanged With Today's Update (Forum) - 5/25/2010

UniWyo FCU rates unchanged with today's update: 13 month CD for 2.01 APY for as little as $250; 37 month CD for 2.62 APY for as little as $250. They say they normally review their rates each Tuesday, so this should hold until at least next Tuesday, June

Re Uniwyo CU (Forum) - 5/24/2010

Re UniWyo CU, actually, the membership page DOES list being a member of the American Consumer Council as qualifying you for membership in the CU. They are not hiding it.

2010

5/18 - Just To Update With Today's Rate Posting At Uniwyo FCU (Forum)
5/16 - 13-Month & 37-Month CD Specials at UniWyo FCU in Wyoming
5/15 - I Just Stumbled Across A Good CD Deal (Forum)

2009

9/6 - High-Yield Reward Checking Account at UniWyo FCU in Wyoming - Local Only

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See Rates for: Checking | Savings | Money Market | CD | IRA

UniWyo Federal Credit Union Checking Account Rates

Apy	Min	Max	Product
2.99%	-	$15k	Xtraordinary Checking
0.25%	$10k	-	Dividend Checking Accounts

UniWyo Federal Credit Union Savings Account Rates

Apy	Min	Max	Product
1.00%	-	-	IRA Savings
1.00%	-	-	Roth IRA Savings
1.00%	-	-	CESA Savings
1.00%	-	-	SEP IRA Savings
1.00%	-	-	HSA Savings - Single
1.00%	-	-	HSA Savings - Family
0.10%	-	-	Share Savings Accounts

UniWyo Federal Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.35%	$50k	-	Money Market

UniWyo Federal Credit Union CD Rates

Apy	Min	Max	Product
1.86%	$25k	-	60 Month CD Jumbo Share Certificate
1.76%	$250	-	60 Month CD Share Certificate
1.51%	$250	-	37 Month CD Share Certificate
1.51%	$25k	-	37 Month CD Jumbo Share Certificate
1.31%	$25k	-	36 Month CD Jumbo Share Certificate
1.21%	$250	-	36 Month CD Share Certificate
1.00%	$25k	-	24 Month CD Jumbo Share Certificate
0.85%	$250	-	24 Month CD Share Certificate
0.75%	$25k	-	12 Month CD Jumbo Share Certificate
0.65%	$250	-	12 Month CD Share Certificate
0.40%	$25k	-	6 Month CD Jumbo Share Certificate
0.30%	$500	-	6 Month CD Share Certificate
0.25%	$25k	-	3 Month CD Jumbo Share Certificate
0.15%	$1k	-	3 Month CD Share Certificate

UniWyo Federal Credit Union IRA Rates

Apy	Min	Max	Product
1.86%	$25k	-	5 Year Jumbo IRA
1.86%	$25k	-	5 Year Jumbo Roth IRA
1.86%	$25k	-	5 Year Jumbo CESA
1.86%	$25k	-	5 Year Jumbo SEP IRA
1.86%	$25k	-	5 Year Jumbo HSA
1.76%	$500	-	5 Year IRA
1.76%	$500	-	5 Year Roth IRA
1.76%	$500	-	5 Year CESA
1.76%	$500	-	5 Year SEP IRA
1.76%	$500	-	5 Year HSA
1.31%	$25k	-	3 Year Jumbo IRA
1.31%	$25k	-	3 Year Jumbo Roth IRA
1.31%	$25k	-	3 Year Jumbo CESA
1.31%	$25k	-	3 Year Jumbo SEP IRA
1.31%	$25k	-	3 Year Jumbo HSA
1.21%	$500	-	3 Year IRA
1.21%	$500	-	3 Year Roth IRA
1.21%	$500	-	3 Year CESA
1.21%	$500	-	3 Year SEP IRA
1.21%	$500	-	3 Year HSA
0.75%	$25k	-	1 Year Jumbo IRA
0.75%	$25k	-	1 Year Jumbo Roth IRA
0.75%	$25k	-	1 Year Jumbo CESA
0.75%	$25k	-	1 Year Jumbo SEP IRA
0.75%	$25k	-	1 Year Jumbo HSA
0.65%	$500	-	1 Year IRA
0.65%	$500	-	1 Year Roth IRA
0.65%	$500	-	1 Year CESA
0.65%	$500	-	1 Year SEP IRA
0.65%	$500	-	1 Year HSA

Rates updated: 6/18/2013

Data for Q1 2013

Institution Statistics

UNIWYO
NCUA #	9089
BankRate Report	View
Year Chartered	1953
Employees	43
Primary Regulator
Assets and Liabilities
Assets	$240.68 million
Loans	$133.46 million
Deposits	$213.55 million
Equity Capital	$24.42 million
Loan Loss Allowance	$1.06 million
Unbacked Noncurrent Loans	$890,000
Historic Data - March 2012
Assets	$227.33 million
Equity Capital	$23.31 million
Loan Loss Allowance	$841,000
Unbacked Noncurrent Loans	$804,000
Profit Margin - Quarterly
Net Interest Margin	1.2%
Return on Assets	0.53%
Return on Equity	5.19%
Interest Income	$2.04 million
Non-Interest Income	$685,000

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2013 UniWyo Federal Credit Union had $890,000 in non-current loans and owned real-estate with $25.48 million in equity and loan loss allowances on hand to cover it. This gives UniWyo Federal Credit Union a Texas Ratio of 3.49% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for UniWyo Federal Credit Union held steady from 3.33% as of March 31, 2012 to 3.49% as of March 31, 2013, resulting in a negative change of 4.93%. This indicates that the balance sheet and financial strength for UniWyo Federal Credit Union has held steady in recent periods.
Deposit Growth
In the past year, UniWyo Federal Credit Union has increased its total deposits by $11.43 million, resulting in 5.65% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth UniWyo Federal Credit Union has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. UniWyo Federal Credit Union has $240.68 million in assets with $25.48 million in equity, resulting in a capitalization level of 10.59%, which is above average.