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 Uniwyo Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 28, 2026
Uniwyo Federal Credit Union's CD - 5 Year rates are at 4.40%, CD - 4 Year rates are at 4.30%, CD - 3 Year rates are at 4.25%, CD - 2 Year rates are at 4.20%, CD - 30 Month rates are at 4.20%. Uniwyo Federal Credit Union's savings rates are at 0.35%. Uniwyo Federal Credit Union's money market rates are at 3.00%. Uniwyo Federal Credit Union's checking rates are as high as 4.00%. Uniwyo Federal Credit Union's Personal Loan Rates are as low as 10.54%. Uniwyo Federal Credit Union's Credit Card Rates are at 10.99%. Uniwyo Federal Credit Union's CD rates are 43% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Uniwyo Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.40%. Rates last updated and verified on 10/28/2026. Uniwyo Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Uniwyo Federal Credit Union? Share your experience about Uniwyo Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Uniwyo Federal Credit Union. Uniwyo Federal Credit Union
2020 Grand Branch 2020 E Grand Ave
https://www.uniwyo.com Laramie, WY 82070  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Uniwyo Federal Credit Union CD Rates
Uniwyo Federal Credit Union Savings Rates
Uniwyo Federal Credit Union Money Market Rates
Uniwyo Federal Credit Union Checking Rates
Uniwyo Federal Credit Union Business Checking Rates
Uniwyo Federal Credit Union Home Equity & HELOC
Uniwyo Federal Credit Union Auto Loan Rates
Uniwyo Federal Credit Union RV, Boat and Powersport Loan Rates
Uniwyo Federal Credit Union Credit Card Rates
Uniwyo Federal Credit Union Personal Loan Rates
Uniwyo Federal Credit Union Other Rates
Financial Health HistoryUniwyo Federal Credit Union’s Texas Ratio stayed near 3.33% in Q3 2023 to 3.40% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Uniwyo Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Uniwyo Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Uniwyo Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Uniwyo Federal Credit Union
Website
https://www.uniwyo.com
Address
2020 E Grand Ave,
Laramie, WY 82070
Phone
307-721-5600
Fax
President
Aaron Courtney
CEO
Dave Krause
Full-Time Employees
122
Part-Time Employees
5
Branch Locations
8
ATM Locations
6
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.40%
Return on Assets (ROA)
0.9001%
Return on Equity (ROE)
7.1393%
Non-Performing Loans Ratio (NPL)
0.70%
Total Assets
825,627,982
Total Amount of Shares and Deposits
718,403,155
Total Shares and Deposits < 1 Year
701,950,202
Total Shares and Deposits 1 3 Years
9,120,750
Total Shares and Deposits > 3 Years
7,332,203
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
60,052,222
Total Uninsured Shares and Deposits > $250K (F+J)
60,052,222
Total Insured Shares and Deposits > $250K (item 17 less item K)
658,350,933
Total Interest Expense (Sum of items 6 8)
5,249,929
Share Certificates
5,566
Number of Accounts for Share Drafts
32,346
IRA KEOGH Accounts
994
Number of Accounts for Regular Shares
54,984
All other shares
532
Money Market Shares
1,410
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
57,355,553
Total Liabilities
729,728,607
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Uniwyo Federal Credit Union
Frequently Asked Questions About Uniwyo Federal Credit UnionDoes Uniwyo Federal Credit Union offer CDs?Yes. Uniwyo Federal Credit Union current CD rates include its CD - 5 Year at 4.40% APY, its CD - 4 Year at 4.30% APY and its CD - 3 Year at 4.25% APY, verified by MonitorBankRates as of October 28, 2026. Are CDs from Uniwyo Federal Credit Union NCUA insured?Yes. Uniwyo Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Uniwyo Federal Credit Union?The highest Uniwyo Federal Credit Union CD rate is its IRA and HSA CD - 5 Year IRA at 4.40% APY, verified by MonitorBankRates as of October 28, 2026. What CD terms does Uniwyo Federal Credit Union offer?Uniwyo Federal Credit Union CD rates are 3.90% APY for a 12 month CD, 4.10% APY for an 18 month CD, 4.20% APY for a 2 year CD, 4.20% APY for a 30 month CD, 4.25% APY for a 3 year CD, 4.30% APY for a 4 year CD and 4.40% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Uniwyo Federal Credit Union for its full lineup. What is the highest savings rate at Uniwyo Federal Credit Union?The highest Uniwyo Federal Credit Union savings rate is its Savings Account at 0.35% APY, verified by MonitorBankRates as of October 28, 2026. What is the highest money market rate at Uniwyo Federal Credit Union?The highest Uniwyo Federal Credit Union money market rate is its High-Dividend Money Market Account at 3.00% APY, verified by MonitorBankRates as of October 28, 2026. What is the highest checking rate at Uniwyo Federal Credit Union?The highest Uniwyo Federal Credit Union checking rate is its High-Dividend Checking Account at 4.00% APY, verified by MonitorBankRates as of October 28, 2026. What is the lowest auto loan rate at Uniwyo Federal Credit Union?The lowest Uniwyo Federal Credit Union auto loan rate is its Auto Loan at 5.79% APR, verified by MonitorBankRates as of October 28, 2026. What is the lowest personal loan rate at Uniwyo Federal Credit Union?The lowest Uniwyo Federal Credit Union personal loan rate is its Personal Loan at 10.54% APR, verified by MonitorBankRates as of October 28, 2026. What is the lowest credit card APR at Uniwyo Federal Credit Union?The lowest Uniwyo Federal Credit Union credit card APR is its UniWyo Visa Credit Card at 10.99% APR, verified by MonitorBankRates as of October 28, 2026. How many branches does Uniwyo Federal Credit Union operate?Uniwyo Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Uniwyo Federal Credit Union?Yes, to access services at Uniwyo Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Uniwyo Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Uniwyo Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Uniwyo Federal Credit Union offer online and mobile banking?Most modern institutions like Uniwyo Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.uniwyo.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Uniwyo Federal Credit Union rates compare?Uniwyo Federal Credit Union's CD rates are 43% higher than the MonitorBankRates national average, and it has an A+ health rating. Uniwyo Federal Credit Union's top rates are its IRA and HSA CD - 5 Year IRA at 4.40% APY, its Savings Account at 0.35% APY, its High-Dividend Money Market Account at 3.00% APY, its High-Dividend Checking Account at 4.00% APY, its Personal Loan at 10.54% APR and its UniWyo Visa Credit Card at 10.99% APR, verified by MonitorBankRates on October 28, 2026. Current Uniwyo Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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