UniWyo FCU (WY/CO) Hikes Rates On 37-Month Share Certificates


Availability: Residents of Wyoming and Colorado’s Front Range who are members of the American Consumer Council; 200+ SEGs, including faculty, staff, and students of the University of Wyoming.

UniWyo Federal Credit Union (UniWyo FCU) recently raised the rate on its 37-month Share Certificate (1.86% APY, $250 minimum) and Jumbo Share Certificate (1.86% APY, $25k minimum). While UniWyo FCU has a variety of Share Certificates that offer an additional 10 basis points for Jumbo deposits ($25k minimum), the APY for both versions of the 37-month is the same.

The 37-month Certificates were added to the product line in January 2015, and the initial 1.46% APYs had been in effect until this current rate increase.

During a Live Chat, CSR stated that the Early Withdrawal Penalty “would be 270 days’ worth of dividends.”


Headquartered in Laramie, Wyoming, UniWyo Federal Credit Union offers membership through a variety methods.

Residency/Affiliation: Residents of Wyoming and Colorado’s Front Range who are members of the American Consumer Council (ACC) are eligible to join. (Though not common, I have seen other credit unions that have limited membership though ACC defined by geography.)

Employment: Employees, retirees, and members of more than 200 SEGs qualify for membership. The largest of the SEGs include employees or members of “the University of Wyoming, the United States Government, and of the State of Wyoming, who work in cooperation with the University of Wyoming and whose headquarters are located at the University” and “military personnel of the United States Government who work in cooperation with or are training at the University of Wyoming.”

Education: University of Wyoming students are also eligible for membership.

Family Relationship: Individuals who are related to current UniWyo FCU members through blood, marriage, or adoption also qualify.

Joining UniWyo FCU can be done online or at any of three Wyoming branches, all located in Laramie. (The Grand Avenue branch was opened in October 2015 and has been touted as a “very high tech, high touch branch that goes beyond your average banking experience.”)

At this time, opening a Share Certificate can be only be done in-branch or by phone.

Credit Union Overview

UniWyo Federal Credit Union (NCUA Charter # 9089) has an overall health grade of "A+" at DepositAccounts.com, with a Texas Ratio of 1.48% (excellent) based on March 31, 2016 data. In the past year, UniWyo FCU has increased its total deposits by $17.26 million, an excellent annual growth rate of 7.94%. Please refer to our financial overview of UniWyo Federal Credit Union for more details.

UniWyo Federal Credit Union was founded in 1953 by nine University of Wyoming employees who each opened a $5 account. Over the next six decades, UniWyo Federal Credit Union grew to become Wyoming’s 3rd largest credit union, with more than 25,300 members and assets in excess of $280 million. The most dramatic growth was seen between 2005 and 2015, when assets increased from $121 million to over $268 million.

How the CD Compares

When compared to the 172 similar length-of-term CDs tracked by DepositAccounts.com, which require a similar minimum deposit and are available to Wyoming residents, UniWyo Federal Credit Union’s 37-month Share Certificate APY currently ranks first.

The above rates are accurate as of 8/11/2016.

To look for the best CD rates, both nationwide and state specific, please refer to our CD rates table or our Rates Map page.


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:

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).


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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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