13-Month & 37-Month CD Specials at UniWyo FCU in Wyoming

UniWyo Federal Credit Union is offering two competitive CD specials: 2.01% APY 13-month CD and 2.62% APY 37-month CD. Minimum deposit is only $250. These rates are listed at the credit union's rates page as of 5/16/2010.

Above the rate table it states the following:

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 may be imposed for early withdrawal.

I'm not sure what they mean by "rates may change after the account is opened". They don't appear to be variable-rate CDs.

The credit union also offers a high-yield reward checking account that pays 4.21% APY on balances up to $25K as of 5/16/2010 (see account review).

Membership is open to students of the University of Wyoming and employees of a long list of select employers groups. Please refer to the credit union's membership page for the full details. One organization listed is the American Consumer Council which is open to all. If you're interested in joining, please check with the credit union to confirm membership in ACC will qualify you for credit union membership.

The credit union's ratings for safety and soundness are above average: 5 stars (superior) at BauerFinancial, 3 stars (performing) at Bankrate.com and an overall health score of 4 out of 5 at DepositAccounts.com (see our UniWyo FCU rates and reviews page). The credit union is federally insured by the NCUA (Charter # 9089).

Thanks to the reader me1004 who mentioned these CDs in the Open Discussion Thread.

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