UniWyo Federal Credit Union


Overview / Commentary
307-721-5600
2020 E Grand Ave
Laramie, WY 82070

UniWyo Federal Credit Union is headquartered in Laramie and is the 3rd largest credit union in the state of Wyoming. It is also the 721st largest credit union in the nation. It was established in 1953 and as of March of 2021, it had grown to 68 employees and 33,137 members at 3 locations. UniWyo Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership in UniWyo Federal Credit Union is open to all residents of Wyoming and select parts of Colorado (Front Range) through membership in the American Consumer Council. Membership is also open to the staff, faculty, and students of the University of Wyoming, and to employees of the United States government, the state of Wyoming, or military personnel who work in cooperation with the University of Wyoming and whose headquarters is located in the University and other select groups.
See current membership details

Reviews (3)

Outstanding Credit Union!!

Love UNIWYO!!! I joined while I was attending college at the University of Wyoming. While I reside in Atlanta, GA now they are still able to take care of all of my financial needs. Great checking account. Savings rates are good. I was also very appreciative of the credit card rate I was provided, and the rewards are great too. Everyone has always been very friendly and willing to help, and anytime I have called in the wait to speak to someone is always short. Look forward to being a member for life!

Not So Great

My son and daughter in law attended the University of Wyoming and graduated in 2016. They had an account at the Credit Union and were happy with the service.

A few months ago in 2020, WyoFed had a great CD rate so I went through the application process and was denied. When I contacted them, they said the denial comes from ChexSystems. I then wrote a letter to WyoFed explaining I had been transferring several IRA's to credit unions from a large mutual fund company due to higher rates and there were a lot of inquiries on my credit report. Never heard back from that letter or subsequent phone calls.

Then I went to a local credit union here in the Denver area, explained the ChexSystems problem, and they okayed the IRA transfer on the spot.

It just amazes me that financial institutions check my credit when they are the ones borrowing money from me!

Moneys More Important Than Member Services.

As of December 2020 UniWyo FCU changed their banking services, and now requires you to pay an additional $5.00 convenience fee every time you want to pay your loan. There are some ways to get around the fee, but requires Auto Pay, Bank to bank Transfer, or driving to a Branch office. I do not do Auto Debits. Under the old system you posted amount to be withdrawn, date you wanted it taken and no fees. Now all that is gone. UniWyo FCU has forgotten that Customer/Member care is first. They have lost my business, and I do not recommend that other people join. There are so many other Financial Institutions that do not charge all these fees just to boast their Bottom line. UniWio Rates an "F" and has failed their Members. Do not use UniWyo for any banking or Financial Services.



Health

Health Grade Components

Overall
NCUA #9089
Year Chartered1953
Employees68
Primary Regulator
Profit Margin
Return on Assets - YTD1.1%
Return on Equity - YTD11.32%
Annual Interest Income$3.7MM
Assets and Liabilities
AssetsQ1 2021vs Q1 2020$461.6MM$395.8MM
LoansQ1 2021vs Q1 2020$311.5MM$299.3MM
DepositsQ1 2021vs Q1 2020$405.8MM$326.7MM
Equity CapitalQ1 2021vs Q1 2020$43.7MM$38.9MM
Loan Loss AllowanceQ1 2021vs Q1 2020$1.8MM$2.0MM
Unbacked Noncurrent LoansQ1 2021vs Q1 2020$615.00K$629.00K
Real Estate OwnedQ1 2021vs Q1 2020$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not UniWyo Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

UniWyo Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%--Traditional IRA
0.30%--Roth IRA
0.30%--Coverdell IRA
0.30%--SEP IRA
0.30%--HSA Savings - Single
0.30%--HSA Savings - Family
0.05%$5-Share Savings Accounts

UniWyo Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$100k*-Money Market
OTHER TIERS: 0.10% $2.5k - $10k | 0.15% $10k - $25k | 0.20% $25k - $50k | 0.25% $50k - $100k

UniWyo Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%-$15kXtraordinary Checking - Qualifying
0.20%*$10k*-Dividend Checking Accounts
OTHER TIERS: 0.05% $500 - $5k | 0.10% $5k - $10k

UniWyo Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.95%$250$25k5 Year Share Certificate
0.85%$250$25k3 Year Share Certificate
0.70%$250$25k2 Year Share Certificate
0.60%$250$25k1 Year Share Certificate
0.40%$250$25k6 Month Share Certificate
0.25%$250$25k3 Month Share Certificate

UniWyo Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.95%$500$25k5 Year IRA Share Certificate
0.70%$500$25k3 Year IRA Share Certificate
0.40%$500$25k1 Year IRA Share Certificate
Locations


UniWyo Federal Credit Union Locations
Branch Office1000 E University Ave McWhinnie HallLaramie, WY 82071-2000
Branch Office2020 E Grand AveLaramie, WY 82070
Branch Office5249 Yellowstone RdCheyenne, WY 82009-4736

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