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UniWyo Federal Credit Union2.99%-$15kXtraordinary Checking
Accounts mentioned in this post. Rates as of August 26, 2014

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


UniWyo Federal Credit Union

Update 7/29/10: The rate has fallen to 3.65% APY. Refer to the bottom of the post for the rate history.

UniWyo FCU is offering a reward checking account called Xtraordinary Checking. The account has the following rates if certain monthly requirements are met:

  • 3.65% APY on balances up to $25,000
  • 0.15% on portion of balances above $25,000
  • 0.15% base rate if qualifications are not met

The monthly requirements include:

  • 10 debit card purchases
  • One direct deposit
  • Aggregate deposit/loan balance of $5,000 or more
  • Receive electronic statements

Additional features of the account regardless of the monthly requirements include:

  • No minimum balance requirement
  • No monthly service charge
  • $5 minimum balance in a savings account

Membership is open to anyone affiliated (on a local level) with the University of Wyoming. Others include employees of Albany County, the City of Laramie and Wyoming Technical Institute (WyoTech). Refer to the credit union's Field of Membership Page for more details.

The credit union's ratings for safety and soundness are strong: 5 stars (superior) at BauerFinancial and 4 stars (sound) at The above rates are based on 3/31/09 financial data. The credit union is federally insured by the NCUA (Charter # 9089).

Other Reward Checking Accounts

To find reward checking accounts in other areas of the nation or to learn more about these accounts, please refer to my High Yield Checking website.

Edit 9/15/09: Corrected balance requirement.

Rate History:

  • 07/28/10: 3.65% APY up to $25K
  • 02/10/10: 4.21% APY up to $25K
  • 12/31/09: 4.19% APY up to $25K
  • 09/06/09: 5.25% APY up to $25K; 0.15% over; 0.15% base

  Tags: UniWyo Federal Credit Union, Wyoming, checking account, reward checking account

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Comment #1 by Anonymous posted on
$5,000 balance, not $500.

Comment #2 by Banking Guy (anonymous) posted on
Banking Guy
Thanks for catching that.

Comment #3 by Anonymous posted on
Wow, 4.19% APY now, another 5% club fallen angel.

Comment #4 by 51hh posted on
came back at 4.21%.

Comment #5 by Anonymous posted on
1. Does this need a real direct deposit or would any ACH (debit or credit) transfer suffice?

2. Does CC funding count as purchase?

Comment #6 by Anonymous posted on
Down to 3.65%