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WyHy Federal Credit Union

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WyHy Federal Credit Union Rates & Review May 2026

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 15, 2026

You can compare WyHy Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.44%, 6-month share certificate rates at 3.50% and 3-month share certificate rates at 0.20%. Savings rates are at 0.03% and money market rates are at 1.51%. Mortgage rates on 30-year fixed loans are around 6.20%. All these rates can be compared to WyHy Federal Credit Union rates. MonitorBankRates evaluates the financial stability of WyHy Federal Credit Union with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 14.81%. Rates were last updated on 05/15/2026.

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.

Verified Healthy Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A-

Very Good Health Score: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

14.81%

Excellent Higher than avg

WyHy Federal Credit Union
Cheyenne Office

1715 Stillwater Ave
Cheyenne, WY 82009 7359

https://www.wyhy.org

Current Rate Availability

We do not have WyHy Federal Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates 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 William Willingham III

Full-Time Employees 57

Part-Time Employees 0

Branch Locations 5

ATM Locations 6

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A- (93/100)

Texas Ratio

14.81%

Return on Assets (ROA)

0.8904%

Return on Equity (ROE)

6.6255%

Non-Performing Loans Ratio (NPL)

2.68%

Total Assets

400,082,896

Total Amount of Shares and Deposits

343,285,565

Total Shares and Deposits < 1 Year

333,627,104

Total Shares and Deposits 1 3 Years

8,886,947

Total Shares and Deposits > 3 Years

771,515

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

3,478,825

Total Uninsured Shares and Deposits > $250K (F+J)

3,478,825

Total Insured Shares and Deposits > $250K (item 17 less item K)

339,806,740

Total Interest Expense (Sum of items 6 8)

4,674,111

Share Certificates

3,490

Number of Accounts for Share Drafts

13,828

IRA KEOGH Accounts

442

Number of Accounts for Regular Shares

29,227

All other shares

145

Non Member Deposits

Money Market Shares

403

Net Income (unless the amount is already included in Undivided Earnings)

3,562,468

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

31,625,267

Total Liabilities

346,715,311

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

WyHy Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/wyhy-federal-credit-union-rates-review-9094">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for WyHy Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

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Total Reviews

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Frequently Asked Questions About WyHy Federal Credit Union

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.