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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 WyHy 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
WyHy Federal Credit Union's Term CD - 12 month rates are at 3.70%, Term CD - 6 month rates are at 3.65%, Term CD - 60 month rates are at 3.45%, Term CD - 18 month rates are at 3.35%, Term CD - 36 month rates are at 3.35%. WyHy Federal Credit Union's savings rates are at 0.30%. WyHy Federal Credit Union's money market rates are at 2.75%. WyHy Federal Credit Union's checking rates are as high as 3.00%. WyHy Federal Credit Union's Purchases and First Mortgage Refinances - 15 year Conventional rates are at 6.38%, Purchases and First Mortgage Refinances - 20 year Conventional rates are at 6.88%, Purchases and First Mortgage Refinances - 30 year FHA rates are at 6.88%, Purchases and First Mortgage Refinances - 30 year USDA rates are at 6.88%, Purchases and First Mortgage Refinances - 30 year VA rates are at 6.88%. WyHy Federal Credit Union's Personal Loan Rates are as low as 11.70%. WyHy Federal Credit Union's Credit Card Rates are at 12.15%. WyHy Federal Credit Union's CD rates are 20% higher than the MonitorBankRates national average, and it has a B health rating. MonitorBankRates evaluates the financial stability of WyHy Federal Credit Union with a 4.5 Star Rating, an B Overall Health Grade, and a Texas Ratio of 21.60%. Rates last updated and verified on 10/28/2026. WyHy 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 WyHy Federal Credit Union? Share your experience about WyHy Federal Credit Union by leaving a review below, or read customer reviews before you decide to use WyHy Federal Credit Union. WyHy Federal Credit Union
Cheyenne Office 1715 Stillwater Ave
https://www.wyhy.org Cheyenne, WY 82009-7359  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. WyHy Federal Credit Union CD Rates
WyHy Federal Credit Union Savings Rates
WyHy Federal Credit Union Money Market Rates
WyHy Federal Credit Union Checking Rates
WyHy Federal Credit Union Mortgage Rates
WyHy Federal Credit Union Home Equity & HELOC
WyHy Federal Credit Union RV, Boat and Powersport Loan Rates
WyHy Federal Credit Union Credit Card Rates
WyHy Federal Credit Union Personal Loan Rates
WyHy Federal Credit Union Other Rates
Financial Health HistoryWyHy Federal Credit Union’s Texas Ratio rose from 4.46% in Q3 2023 to 21.60% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.5 and its Health Grade from A+ to B. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)
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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 WyHy 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 WyHy 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 WyHy Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
WyHy Federal Credit Union
Website
https://www.wyhy.org
Address
1715 Stillwater Ave,
Cheyenne, WY 82009-7359
Phone
307-638-4200
Fax
307-638-4201
President
Pamela Fredrick
CEO
Matthew Ballou
Full-Time Employees
63
Part-Time Employees
0
Branch Locations
5
ATM Locations
1
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
4.5 / 5.0 ★
Overall Health & Safety Grade
B (84/100)
Texas Ratio
21.60%
Return on Assets (ROA)
0.1190%
Return on Equity (ROE)
0.8858%
Non-Performing Loans Ratio (NPL)
4.42%
Total Assets
408,978,842
Total Amount of Shares and Deposits
352,667,690
Total Shares and Deposits < 1 Year
341,614,609
Total Shares and Deposits 1 3 Years
9,518,512
Total Shares and Deposits > 3 Years
1,534,569
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
6,275,724
Total Uninsured Shares and Deposits > $250K (F+J)
7,025,724
Total Insured Shares and Deposits > $250K (item 17 less item K)
345,641,966
Total Interest Expense (Sum of items 6 8)
2,827,966
Share Certificates
3,060
Number of Accounts for Share Drafts
13,762
IRA KEOGH Accounts
270
Number of Accounts for Regular Shares
28,914
All other shares
138
Non Member Deposits
1
Money Market Shares
385
Net Income (unless the amount is already included in Undivided Earnings)
486,559
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)
42,770,659
Total Liabilities
354,597,419
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Add Your Rating and Review for WyHy Federal Credit Union
Frequently Asked Questions About WyHy Federal Credit UnionDoes WyHy Federal Credit Union offer CDs?Yes. WyHy Federal Credit Union current CD rates include its Term CD - 12 month at 3.70% APY, its Term CD - 6 month at 3.65% APY and its Term CD - 60 month at 3.45% APY, verified by MonitorBankRates as of October 28, 2026. Are CDs from WyHy Federal Credit Union NCUA insured?Yes. WyHy 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 WyHy Federal Credit Union?The highest WyHy Federal Credit Union CD rate is its Jumbo Term CD - 12 month at 3.75% APY, verified by MonitorBankRates as of October 28, 2026. What CD terms does WyHy Federal Credit Union offer?WyHy Federal Credit Union CD rates are 3.65% APY for a 6 month CD, 3.70% APY for a 12 month CD, 3.35% APY for an 18 month CD, 3.30% APY for a 2 year CD, 3.35% APY for a 3 year CD and 3.45% 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 WyHy Federal Credit Union for its full lineup. What is the highest savings rate at WyHy Federal Credit Union?The highest WyHy Federal Credit Union savings rate is its FastTrac Savings at 0.30% APY, verified by MonitorBankRates as of October 28, 2026. What is the highest money market rate at WyHy Federal Credit Union?The highest WyHy Federal Credit Union money market rate is its MAX Money Market at 2.75% APY, verified by MonitorBankRates as of October 28, 2026. What is the highest checking rate at WyHy Federal Credit Union?The highest WyHy Federal Credit Union checking rate is its Smart Returns Checking at 3.00% APY, verified by MonitorBankRates as of October 28, 2026. What is the lowest mortgage rate at WyHy Federal Credit Union?The lowest WyHy Federal Credit Union mortgage rate is its Purchases and First Mortgage Refinances - 15 year Conventional at 6.375%, verified by MonitorBankRates as of October 28, 2026. WyHy Federal Credit Union mortgage rates are 7.125% for a 30 year mortgage, 6.875% for a 20 year mortgage and 6.375% for a 15 year mortgage. What is the lowest auto loan rate at WyHy Federal Credit Union?The lowest WyHy Federal Credit Union auto loan rate is its Recreational Vehicle Loans at 6.50% APR, verified by MonitorBankRates as of October 28, 2026. What is the lowest personal loan rate at WyHy Federal Credit Union?The lowest WyHy Federal Credit Union personal loan rate is its Unsecured Personal Loan at 11.70% APR, verified by MonitorBankRates as of October 28, 2026. What is the lowest credit card APR at WyHy Federal Credit Union?The lowest WyHy Federal Credit Union credit card APR is its VISA Platinum Non-Rewards Card Credit Card at 12.15% APR, verified by MonitorBankRates as of October 28, 2026. How many branches does WyHy Federal Credit Union operate?WyHy 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 WyHy Federal Credit Union?Yes, to access services at WyHy 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, WyHy 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, WyHy Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does WyHy Federal Credit Union offer online and mobile banking?Most modern institutions like WyHy 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.wyhy.org. 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 WyHy Federal Credit Union rates compare?WyHy Federal Credit Union's CD rates are 20% higher than the MonitorBankRates national average, and it has a B health rating. WyHy Federal Credit Union's top rates are its Jumbo Term CD - 12 month at 3.75% APY, its FastTrac Savings at 0.30% APY, its MAX Money Market at 2.75% APY, its Smart Returns Checking at 3.00% APY, its Purchases and First Mortgage Refinances - 15 year Conventional at 6.375%, its Unsecured Personal Loan at 11.70% APR and its VISA Platinum Non-Rewards Card Credit Card at 12.15% APR, verified by MonitorBankRates on October 28, 2026. Current WyHy Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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