Rates
Stay informed about WyHy’s competitive rates for loans, savings, and more. See how we can help you achieve your financial goals.
At WyHy, our members are our owners. That’s why our competitive rates are designed with you in mind. Putting people before profits is our way of doing business.
Checking & Savings Rates
Effective April 15, 2024
Initial deposit of $10.00 required for membership with $5.00 being retained by WyHy as a membership fee.
FastTrac, Regular Savings & IRA Savings
| Type | Dividend Rate | APY*³ | To Open | To Earn Dividend |
|---|---|---|---|---|
| Regular & IRA Savings | 0.05% | 0.05% | $5 | $5 |
| FastTrac up to $10,000 | 0.30% | 0.30% | $5 | Up to $10,000 |
| FastTrac $10,000.01+ | 0.05% | 0.05% | $5 | Above $10,000 |
Dividends paid quarterly on the average daily balance. Rate and Annual Percentage Yield are subject to change after account is opened. ³FastTrac Savings Account is a tiered rate account, the rate and the APY* are subject to change after the account is opened. The minimum balance to open this account is $0.01 with a maximum of $10,000.00. Member must also have eStatements in order to qualify. Dividends are paid quarterly on the average daily balance.
MAX & Regular Money Markets
| Type | Dividend Rate | APY* | To Open | To Earn Dividend |
|---|---|---|---|---|
| MAX Up to $99,999.99 |
0.050 % | 0.05% | $100,000 | $0.01 |
| MAX $100,000.00 to 249,999.99 |
2.716 % | 2.75% | $100,000 | $100,000 |
| MAX $250,000.00 or more |
3.445 % | 3.50% | $100,000 | $250,000 |
| Regular Up to $9,999.99 |
0.050 % | 0.05% | $2,500 | $0.01 |
| Regular $10,000.00 to $49,999.99 |
0.100 % | 0.10% | $2,500 | $10,000 |
| Regular $50,000.00 to $99,999.99 |
0.150 % | 0.15% | $2,500 | $25,000 |
| Regular $100,000.00 to $249,999.99 |
0.300 % | 0.30% | $2,500 | $100,000 |
| Regular $250,000.00 or more |
0.349% | 0.35% | $2,500 | $250,000 |
Traditional Money market Accounts are a tiered variable rate accounts and the rate and APY* are subject to change after account is opened. Must have a balance of $2,500 to open and maintain the account and to obtain the disclosed APY*. Dividends calculated daily, compounded and paid monthly. If balance drops below the required minimum balance the fee will impact overall earnings. *MAX Money Market Accounts are a tiered variable rate account, the rate and APY* are subject to change after account is opened. Funds must be new money to the Credit Union, not transferred from an existing WyHy account, and have a minimum balance of $100,000.00 to open and maintain the account and to obtain the disclosed APY*. Dividends calculated daily, compounded and paid monthly.
SmartReturns Checking Account
| Type | Dividend Rate | APY* | To Open | To Earn Dividend |
|---|---|---|---|---|
| Qualifying Accounts Up to $15,000.00 |
2.960% | 3.00% | $25 | $0.01 |
| Qualifying Accounts $15,000.01 + |
0.250% | 0.25 % | $25 | $15,000 |
| Non-qualifying Accounts | 0.050% | 0.05 % | $25 | $0.01 |
Smart Returns Checking Accounts are tiered variable rate accounts and the rate and APY* are subject to change after account is opened. The minimum balance to open this account is $25.00. 3.00% APY* is valid on balances up to $15,000. In order to earn interest at the disclosed rate and be eligible to receive unlimited ATM fees reimbursement (ATM transaction fees must be less than $4.99 per transaction to be reimbursed), during each qualifying period you must: (a) make at least one direct deposit to, or ACH debit from, your account; and (b) make 12 or more point of sale transactions (evidenced by your statement) using your VISA Debit Card; and (c) consent to receive Your statements electronically. Each qualifying period will begin one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. If you do not meet the qualifications for a qualification cycle your APY will be 0.05% for that period. You will not be reimbursed for any accrued but unreimbursed ATM fees at the time You close Your Account. Dividends are calculated on the average daily balance, compounded and paid monthly.
Certificate Rates
EFFECTIVE October 1, 2020
Smart Savers 15-Month Term Certificate***
| Balance | Dividend Rate | APY* | To Open | To Earn Dividend |
|---|---|---|---|---|
| All Balances | 0.350% | 0.35% | $10 | $10 |
Additional deposits can be made to this certificate during the term. Funds may be withdrawn without penalty when the balance reaches $500.00 at any time for this certificate type.
30-Month "You're in Control!" Term Certificate***
| Balance | Dividend Rate | APY* | To Open | To Earn Dividend |
|---|---|---|---|---|
| All Balances | 2.231% | 2.25% | $500 | $500 |
The rate can be increased one time during the term of the CD to then current rate for this same term.
Term Certificates & IRA Term Certificates***
| Term | Dividend Rate | APY* | To Open | To Earn Dividend |
|---|---|---|---|---|
| 8 Month Special3 | 4.571 % | 4.65 % | $500 | $500 |
| 6 Months | 0.200% | 0.20% | $500 | $500 |
| 12 Months | 0.300% | 0.30% | $500 | $500 |
| 18 Months | 0.300% | 0.30% | $500 | $500 |
| 24 Months | 0.499% | 0.50% | $500 | $500 |
| 36 Months | 0.648% | 0.65% | $500 | $500 |
| 60 Months | 0.847% | 0.85% | $500 | $500 |
"Highway" Term Certificates & "Highway" IRA Term Certificates***
| Term | Dividend Rate | APY* | To Open | To Earn Dividend |
|---|---|---|---|---|
| 6 Months | 0.250% | 0.25 % | $50,000 | $50,000 |
| 12 Months | 0.350% | 0.35% | $50,000 | $50,000 |
| 18 Months | 0.350% | 0.35% | $50,000 | $50,000 |
| 24 Months | 0.549% | 0.55% | $50,000 | $50,000 |
| 36 Months | 0.698% | 0.70% | $50,000 | $50,000 |
| 60 Months | 0.897% | 0.90% | $50,000 | $50,000 |
* Variable rate, Quarterly Paid Dividend/Interest; ** Variable rate, Monthly Paid Interest; *** Fixed rate for term, Quarterly Paid Interest. ^ APY = Annual Percentage Yield; APY assumes that all principal and dividends/interest paid remain in the account for the year.
This supplement is incorporated into, becomes a part of and should be attached to Your Agreements and Disclosures.
*APY = Annual Percentage Yield. For the purposes of this disclosure, this is a rate and APY as of the last dividend declaration date. These Dividend Rate(s) and Annual Percentage Yield(s) shown above may change at any time as determined by our Board of Directors. Accounts can be opened via working with the Call Center or within the branches. Federally Insured by NCUA.
¹ For Term Share Certificates and IRA Certificates you can increase the rates .025% APY when used with available balance from Smart Points accumulation. Learn more about the Smart Points program and check your monthly statements or contact the credit union to learn of your Smart Points available balance and if you have enough Smart Points to increase your Term Share Certificate or IRA Certificate rate.
² Some restrictions and fees may apply. The rate increase (bump) feature may be used one (1) time at any time during the term of the You're In Control Share Certificate. Smart Points can be redeemed at the time of opening the Certificate or at the time the Certificate renews. The increased rate (bump) will equate to the current WyHy 30-month Certificate term rate, with an additional 0.25% rate increase. A one (1) time partial withdrawal is allowed during the term of the Certificate with the member only being penalized (feed) on the amount of the partial withdrawal at that time. Certificate automatically renews at the 30-month term at the current 30-month Certificate rate, as well as allowing the member to utilize the rate increase (bump) and partial withdrawal feature over the next 30-month term. Existing 30-Month Term Share (or IRA) Certificates will remain in their current product and then will renew to the You're In Control Share (or IRA) Certificate. Contact the Credit Union for complete details. Federally Insured by NCUA.
3 No Smart Points can be used. Certificate rate is fixed upon opening the account. A minimum of $500 required to open the account and earn interest. Offer not available to businesses, public funds, or brokered deposits. Penalties may be imposed for early withdrawal. At maturity the funds roll to a 6-month term certificate. Not available as an IRA- IRAs do not qualify for these specials.
Loan Rates
Effective September 19, 2024
Secured Vehicle Loans
APR* as low as
| Vehicle Loan Rates | APR* as low as |
|---|---|
| Autos | 5.30% |
| Recreational Vehicles | 7.55 % |
| Recreational Vehicles over $30,000 | 9.30 % |
For example, a vehicle loan with a balance of $10,000 with an APR of 3.15% for 36 months would result in a payment of $291.48 per month.
Personal Loans
| Loan Type | APR* as low as |
|---|---|
| Unsecured Personal Loan | 12.70% |
VISA Platinum Credit Cards
| Card Type | APR* as low as |
|---|---|
| Non-Rewards | 13.40% |
| Rewards | 14.40% |
Purchases and First Mortgage Refinances**
Rates updated at 8:00 MST on November 18, 2024
| Type/Term | Rate as low as |
|---|---|
| 30 year Conventional | 7.000 % |
| 20 year Conventional | 6.625% |
| 15 year Conventional | 6.125% |
| 30 year FHA | 6.250% |
| 30 year VA | 6.125 % |
| 30 year USDA | 6.250% |
| 5/1 Adjustable Rate Mortgage | 6.750% |
| 7/1 Adjustable Rate Mortgage | 6.875% |
| 10/1 Adjustable Rate Mortgage | 8.125% |
Home Equity
| Type | Rate as low as |
|---|---|
| HELOC | 8.500 % APR* |
| Fixed Term Second Mortgage (Home Equity Closed End Loan) |
6.280 % |
| Streamline | 5.990 % |
Investment Properties
| Type | Term | Rate as low as |
|---|---|---|
| Purchase Investment Property | 10-30 year | Call for today’s rate |
| Refinance Investment Property | 10-30 year | Call for today’s rate |
| Commercial Real Estate | N/A | Call for today’s rate |
*APR = Annual Percentage Rate. Rates "as low as" dependent on creditworthiness, loan to value, cash out selection, Auto Pay, and/or SmartPoints discounts. Auto Pay and SmartPoints discounts are not available for the Overdraft Lines of Credit, PayDay Loans or Real Estate Loans. Rates can change at any time. Home loan refinance rates are based on no cash out, adding cash out will adjust the rate. For example, a Second Mortgage (Home Equity Fixed Rate Loan) with a balance of $20,000 with an APR of 4.620% for 180 months would result in a payment of $154.23 per month. VISA Credit Card rates are variable and subject to change based on changes in the Prime Rate. Other terms and conditions may apply. Contact the Credit Union for full details regarding any WyHy loan product and program.
**Mortgage Disclosures
1. The home loan rates shown above assume that the borrower has a FICO® Score of at least a 760+ and a down payment of 20% for all conventional loans, 3.5% for all FHA loans, 3.5% for USDA loans, and 0.00% for VA loans. Rates are based on a 30 day lock period. In order for a loan to be locked you must first complete an application over the phone, online, or in person and receive notification from a WyHy mortgage loan officer that your rate has been locked. Furthermore, rates are based on a single family, primary residence with the assumption of 0.25% in discount points being purchased which is a form of prepaid interest that is collected at closing in exchange for a lower interest rate and monthly payment. 0.25% in discount points is equal to about 0.25% of your loan amount so on a $100,000 loan the cost would be $250. Schedule an appointment to talk with one of our Mortgage Loan Originators to discuss your options regarding discount points.
1. The home loan rates shown above assume that the borrower has a FICO® Score of at least a 760+ and a down payment of 20% for all conventional loans, 3.5% for all FHA loans, 3.5% for USDA loans, and 0.00% for VA loans. Rates are based on a 30 day lock period. In order for a loan to be locked you must first complete an application over the phone, online, or in person and receive notification from a WyHy mortgage loan officer that your rate has been locked. Furthermore, rates are based on a single family, primary residence with the assumption of 0.25% in discount points being purchased which is a form of prepaid interest that is collected at closing in exchange for a lower interest rate and monthly payment. 0.25% in discount points is equal to about 0.25% of your loan amount so on a $100,000 loan the cost would be $250. Schedule an appointment to talk with one of our Mortgage Loan Originators to discuss your options regarding discount points.
2. Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest rate you pay the lender. The APR may be increased after the closing date for adjustable-rate mortgages.
3. Example of a fixed rate conventional monthly payment: A loan amount of $350,000 with a 30 year term at an interest rate of 5.750% with a down payment of 20% and 0.25% in discount points purchased would result in a monthly principal and interest payment of $2042.50 over the full term of the loan. These terms result in an APR of 5.885%. This monthly payment does not include property taxes, or homeowners insurance which will result in a higher monthly cost, nor does it include mortgage insurance which may be required if the down payment is less than 20%.
4. FHA estimated monthly payment and APR example: A $300,000 base loan amount with a 30-year term at an interest rate of 5.875% with a down payment of 3.5% and 0.25% in discount points purchased would result in an estimated monthly principal and interest payment of $1,805.67 over the full term of the loan with an annual percentage rate (APR) of 6.955%. Estimated monthly payment and APR calculation are based on a down payment of 3.5% and borrower paid finance charges of .657% of the base loan amount. Estimated monthly payment and APR assumes that the upfront mortgage insurance premium of $5,250 is financed into the loan amount. This estimated monthly payment shown here does not include the FHA-required monthly mortgage insurance premium, taxes and insurance premium, and the actual payment obligation will be higher.
5. VA estimated monthly payment and APR example: A $300,000 base loan amount with a 30-year term at an interest rate of 5.875% with a down payment of 0% and 0.25% in discount points purchased would result in an estimated monthly principal and interest payment of $1,815.43 over the full term of the loan with an annual percentage rate (APR) of 6.155%. Estimated monthly payment and APR calculation are based on a down payment of 0% and borrower paid finance charges of .658% of the base loan amount. Estimated monthly payment and APR assumes that the VA funding fee premium of $6,900 is financed into the loan amount. This estimated monthly payment shown here does not include taxes and insurance premium, and the actual payment obligation will be higher.
6. USDA estimated monthly payment and APR example: A $300,000 base loan amount with a 30-year term at an interest rate of 5.875% with a down payment of 0% and 0.25% in discount points purchased would result in an estimated monthly principal and interest payment of $1,792.54 over the full term of the loan with an annual percentage rate (APR) of 6.035%. Estimated monthly payment and APR calculation are based on a down payment of 3.5% and borrower paid finance charges of .655% of the base loan amount. Estimated monthly payment and APR assumes that the upfront mortgage insurance premium of $3,030 is financed into the loan amount. This estimated monthly payment shown here does not include the required monthly mortgage insurance premium, taxes and insurance premium, and the actual payment obligation will be higher.
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