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

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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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Comments
Anonymous
Anonymous   |     |   Comment #1
BAD Group!

I followed all the instructions...Filled out the application...was approved.. set wire transfer.. then recieved an email taht they only take American Consumer Council members locally.

What a wast of time!

They also have a rating which appears to be going down.

 

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

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...
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