UniWyo Federal Credit Union

UniWyo Federal Credit Union Locations
1610 E. Reynolds St.
Laramie, WY 82072
(866)486-4996
www.uniwyo.com



UniWyo Federal Credit Union is headquartered in Laramie and is the 3rd largest credit union in the state of Wyoming. It is also the 805th largest credit union in the nation. It was established in 1953 and as of September of 2011, it had grown to 41 employees and 15,881 members. UniWyo Federal Credit Union's savings rates are 4X the national average, and it boasts a 5-star health rating.

UniWyo Federal Credit Union Routing Number: 307086882

Related Posts

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. 

Just To Update With Today's Rate Posting At Uniwyo FCU (Forum) - 5/18/2010

Just to update with today's rate posting at UniWyo FCU, the 13-month and 37-month rates remained unchanged. The say that they review rates every Tuesday, so this shod hold at least until next Tuesday. From the previous post: UniWyo Federal Credit Unio

2010

2009




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

UniWyo Federal Credit Union Checking Account Rates

ApyMinMaxProduct
2.99%-$25kXtraordinary Checking
0.25%$10k-Dividend Checking Accounts

UniWyo Federal Credit Union Savings Account Rates

ApyMinMaxProduct
2.02%--IRA Savings
2.02%--Roth IRA Savings
2.02%--CESA Savings
2.02%--SEP IRA Savings
2.02%--HSA Savings - Single
2.02%--HSA Savings - Family
0.15%--Share Savings Accounts

UniWyo Federal Credit Union Money Market Rates

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0.40%$50k-Money Market

UniWyo Federal Credit Union CD Rates

ApyMinMaxProduct
2.17%$25k-60 Month CD Jumbo Share Certificate
2.02%$250-60 Month CD Share Certificate
1.66%$250-37 Month CD Share Certificate
1.66%$25k-37 Month CD Jumbo Share Certificate
1.41%$25k-36 Month CD Jumbo Share Certificate
1.21%$250-36 Month CD Share Certificate
1.15%$25k-24 Month CD Jumbo Share Certificate
0.95%$25k-12 Month CD Jumbo Share Certificate
0.90%$250-24 Month CD Share Certificate
0.80%$250-12 Month CD Share Certificate
0.50%$25k-6 Month CD Jumbo Share Certificate
0.35%$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

ApyMinMaxProduct
2.32%$25k-5 Year Jumbo IRA
2.32%$25k-5 Year Jumbo Roth IRA
2.32%$25k-5 Year Jumbo CESA
2.32%$25k-5 Year Jumbo SEP IRA
2.32%$25k-5 Year Jumbo HSA
2.17%$500-5 Year IRA
2.17%$500-5 Year Roth IRA
2.17%$500-5 Year CESA
2.17%$500-5 Year SEP IRA
2.17%$500-5 Year HSA
1.41%$25k-3 Year Jumbo IRA
1.41%$25k-3 Year Jumbo Roth IRA
1.41%$25k-3 Year Jumbo CESA
1.41%$25k-3 Year Jumbo SEP IRA
1.41%$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
1.10%$25k-1 Year Jumbo IRA
1.10%$25k-1 Year Jumbo Roth IRA
1.10%$25k-1 Year Jumbo CESA
1.10%$25k-1 Year Jumbo SEP IRA
1.10%$25k-1 Year Jumbo HSA
0.85%$500-1 Year IRA
0.85%$500-1 Year Roth IRA
0.85%$500-1 Year CESA
0.85%$500-1 Year SEP IRA
0.85%$500-1 Year HSA

Rates updated: 2/10/2012

Data for Q3 2011


Institution Statistics


UNIWYO
NCUA #9089
BankRate ReportView
Year Established1953
Employees41
Primary Regulator

Assets and Liabilities

Assets$220.77 million
Loans$107.51 million
Deposits$195.75 million
Equity Capital$23.30 million
Loan Loss Allowance$752,000
Unbacked Noncurrent Loans$871,000

Historic Data - September 2010

Assets$200.99 million
Equity Capital$21.47 million
Loan Loss Allowance$649,000
Unbacked Noncurrent Loans$1.43 million

Profit Margin - Quarterly

Net Interest Margin3.83%
Return on Assets0.9%
Return on Equity8.49%
Interest Income$6.44 million
Non-Interest Income$1.78 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio5
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 September 30, 2011 UniWyo Federal Credit Union had $871,000 in non-current loans and owned real-estate with $24.05 million in equity and loan loss allowances on hand to cover it. This gives UniWyo Federal Credit Union a Texas Ratio of 3.62% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend5
The Texas Ratio for UniWyo Federal Credit Union decreased significantly from 6.45% as of September 30, 2010 to 3.62% as of September 30, 2011, resulting in a positive change of 43.89%.This indicates that the balance sheet and financial strength for UniWyo Federal Credit Union has improved significantly in recent periods.
Deposit Growth5
In the past year, UniWyo Federal Credit Union has increased its total deposits by $17.66 million, resulting in 9.92% 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.
Capitalization4
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 $220.77 million in assets with $24.05 million in equity, resulting in a capitalization level of 10.89%, which is above average.
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