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 2nd largest credit union in the state of Wyoming. It is also the 581st largest credit union in the nation. It was established in 1953 and as of March of 2024, it had grown to 111 employees and 56,234 members at 6 locations. UniWyo Federal Credit Union's CD rates are 5X the national average, and it 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 (4)

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!

Small Bank That Needs To Get In The 21St Century

Posted by: |

Horrible rates on CD’s. UNIWYO feasts on people believing that because they are in Wyoming, sheeple will flock to them because we are all “neighbors” and they will take care of you. I’ve been a member for 38 years… and I was happy with UNIWYO, until I looked outside of the Cowboy bubble and found MUCH better rates to borrow money, or store money in CD’s. Like…. easily 2% better elsewhere.
IMHO… UNIWYO, just like the Wyoming State Insurance for retired folks, are fed by sheeple who just take it for granted they are getting a great deal. I know many folks who blindly stick with UNIWYO and the Wyoming Retirement Health because “they are Wyoming!”
DO YOUR RESEARCH!!!!
UNIWYO would do better if they took care of people who need to park their money… then they could give better rates to people who need to borrow money. It’s not rocket science!!!!
UNIWYO took good care of me when I was poor and started out teaching at UW back in 1985. But that was 38 years ago. Back when Karen Stapp and Sam Dunnuck were running the show, and Tia met me at the door when I came in. God bless Tia, she died in her early 40’s from colon cancer. What a sweetheart she was!!
Now I have significant resources, but UNIWYO is way behind the curve compared to industry standards vying to park my money in their institution.
Sadly, I’m closing out all my accounts because I do not want to lose money just to stay loyal to UNIWYO anymore.
DO YOUR RESEARCH!! Another bank is just a click away in this age of computers!!!

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
Employees111
Primary Regulator
Profit Margin
Return on Assets - YTD1.88%
Return on Equity - YTD20.74%
Annual Interest Income$8.4MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$728.1MM$507.6MM
LoansQ1 2024vs Q1 2023$468.1MM$379.2MM
DepositsQ1 2024vs Q1 2023$637.6MM$452.5MM
Equity CapitalQ1 2024vs Q1 2023$65.3MM$44.6MM
Loan Loss AllowanceQ1 2024vs Q1 2023$3.9MM$2.4MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$2.6MM$1.4MM
Real Estate OwnedQ1 2024vs Q1 2023$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
0.50%$0-Traditional IRA
0.50%$0-Roth IRA
0.50%$0-Coverdell IRA
0.50%$0-SEP IRA
0.50%$0-HSA Savings - Single
0.50%$0-HSA Savings - Family
0.25%$5-Share Savings Accounts

UniWyo Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$250k*-Money Market
OTHER TIERS: 0.50% $2.5k - $10k | 0.55% $10k - $25k | 0.60% $25k - $50k | 0.70% $50k - $100k | 0.80% $100k - $250k

UniWyo Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%$0$15kHigh - Dividend Checking
0.35%*$10k*-Dividend Checking Accounts
OTHER TIERS: 0.20% $500 - $5k | 0.25% $5k - $10k
0.25%$1k-Business Checking

UniWyo Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.90%$250$25k6 Month Share Certificate
4.80%$100-9 Month Share Certificate
4.60%$250-1 Year Share Certificate
4.45%$100-18 Month Share Certificate
4.05%$250-2 Year Share Certificate
4.00%$100-30 Month Share Certificate
3.90%$250-3 Year Share Certificate
3.85%$250-4 Year Share Certificate
3.80%$250-5 Year Share Certificate

UniWyo Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.60%$500-1 Year IRA Share Certificate
3.90%$500-3 Year IRA Share Certificate
3.80%$500-5 Year IRA Share Certificate
Locations


UniWyo Federal Credit Union Locations
Branch Office2020 E Grand AveLaramie, WY 82070
Branch Office5249 Yellowstone RdCheyenne, WY 82009-4736
Branch Office1817 17th StCody, WY 82414
Branch Office239 S 4th StDouglas, WY 82633-2527
Branch Office777 Landmark DrCasper, WY 82609-4225
Branch Office4015 Plaza DrCasper, WY 82604-4295

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.