What are the current interest rates at WyHy Federal Credit Union?

Current rates for WyHy Federal Credit Union include: 12-Month CD: 3.70%, 18-Month CD: 3.35%, 24-Month CD: 3.30%, 60-Month CD: 3.45%, Savings: 0.30%, MMA: 2.75%

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WyHy Federal Credit Union

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WyHy Federal Credit Union Rates & Review October 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 and Verified: October 12, 2026

WyHy Federal Credit Union's top rates as of October 12, 2026 are 3.75% APY on its 12 Month Jumbo Term CDs & Jumbo IRA Term CDs CD, 0.30% APY on savings, 2.75% APY on money market accounts, 3.00% APY on checking, 6.62% on its Purchases and First Mortgage Refinances - 15 year Conventional, personal loans from 11.70% APR, and credit cards from 12.40% APR, according to rates verified by MonitorBankRates. Other WyHy Federal Credit Union CD rates include 12 Month Term CDs & IRA Term CDs at 3.70%, 6 Month Jumbo Term CDs & Jumbo IRA Term CDs at 3.70%, and 6 Month Term CDs & IRA Term CDs at 3.65%. Other WyHy Federal Credit Union mortgage rates include Purchases and First Mortgage Refinances - 30 year FHA at 6.88%, Purchases and First Mortgage Refinances - 30 year VA at 6.88%, and Purchases and First Mortgage Refinances - 30 year USDA at 7.00%. 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 10/12/2026.

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.

Overall Health & Safety Grade

Solid Health Score: 84/100

MonitorBankRates Rating

4.5

Excellent Out of 5.0 Stars

Texas Ratio

21.60%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

WyHy Federal Credit Union
Cheyenne Office

1715 Stillwater Ave
Cheyenne, WY 82009-7359

https://www.wyhy.org

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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

Product	Rate	APY	Term
12 Month Jumbo Term Certificates & Jumbo IRA Term Certificates	3.698%	3.75%	12 Months
Min Deposit $50,000 Min Balance $50,000 Details Fixed rate for term, Quarterly Paid Interest Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 5 times Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.60%
12 Month Term Certificates & IRA Term Certificates	3.65%	3.70%	12 Months
Min Deposit $500 Min Balance $500 Details Fixed rate for term, Quarterly Paid Interest; also available as IRA Term Certificate Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 3.70% APY · checked 2 times Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.60%
6 Month Jumbo Term Certificates & Jumbo IRA Term Certificates	3.65%	3.70%	6 Months
Min Deposit $50,000 Min Balance $50,000 Details Fixed rate for term, Quarterly Paid Interest Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 3.70% APY · checked 5 times Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.60%
6 Month Term Certificates & IRA Term Certificates	3.601%	3.65%	6 Months
Min Deposit $500 Min Balance $500 Details Fixed rate for term, Quarterly Paid Interest; also available as IRA Term Certificate Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 3.65% APY · checked 2 times Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.60%
60 Month Jumbo Term Certificates & Jumbo IRA Term Certificates	3.455%	3.50%	60 Months
Min Deposit $50,000 Min Balance $50,000 Details Fixed rate for term, Quarterly Paid Interest Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 5 times Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.60%
60 Month Term Certificates & IRA Term Certificates	3.406%	3.45%	60 Months
Min Deposit $500 Min Balance $500 Details Fixed rate for term, Quarterly Paid Interest; also available as IRA Term Certificate Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 3.45% APY · checked 2 times Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.60%
18 Month Jumbo Term Certificates & Jumbo IRA Term Certificates	3.357%	3.40%	18 Months
Min Deposit $50,000 Min Balance $50,000 Details Fixed rate for term, Quarterly Paid Interest Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 3.40% APY · checked 5 times Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.60%
36 Month Jumbo Term Certificates & Jumbo IRA Term Certificates	3.357%	3.40%	36 Months
Min Deposit $50,000 Min Balance $50,000 Details Fixed rate for term, Quarterly Paid Interest Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 3.40% APY · checked 5 times Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.60%
18 Month Term Certificates & IRA Term Certificates	3.309%	3.35%	18 Months
Min Deposit $500 Min Balance $500 Details Fixed rate for term, Quarterly Paid Interest; also available as IRA Term Certificate Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 3.35% APY · checked 2 times Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.60%
24 Month Jumbo Term Certificates & Jumbo IRA Term Certificates	3.309%	3.35%	24 Months
Min Deposit $50,000 Min Balance $50,000 Details Fixed rate for term, Quarterly Paid Interest Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 3.35% APY · checked 5 times Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.60%
36 Month Term Certificates & IRA Term Certificates	3.309%	3.35%	36 Months
Min Deposit $500 Min Balance $500 Details Fixed rate for term, Quarterly Paid Interest; also available as IRA Term Certificate Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 3.35% APY · checked 2 times Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.60%
24 Month Term Certificates & IRA Term Certificates	3.26%	3.30%	24 Months
Min Deposit $500 Min Balance $500 Details Fixed rate for term, Quarterly Paid Interest; also available as IRA Term Certificate Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 3.30% APY · checked 2 times Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.60%
30-Month "You're in Control!" Term Certificate	2.231%	2.25%	30 months
Min Deposit $500 Min Balance $500 Details Balance: All Balances; Fixed rate for term, quarterly paid interest; rate can be increased one time during the term to the then current rate for this same term Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 2.25% APY · checked 7 times Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.60%
Smart Savers 15-Month Term Certificate	0.35%	0.35%	15 months
Min Deposit $10 Min Balance $10 Details Balance: All Balances; 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. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.35% APY · checked 6 times Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.60%

WyHy Federal Credit Union Savings Rates

Product	Rate	APY
WyHy FastTrac Savings	-	0.30%
Details Round Up feature: each debit card transaction rounded up to the next dollar and the difference deposited into WyHy FastTrac Savings; available to add on to any WyHy checking account Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.30% APY Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.60%
Regular & IRA Savings	0.05%	0.05%
Min Deposit $5 Min Balance $5 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 7 times Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.60%

WyHy Federal Credit Union Money Market Rates

Product	Rate	APY
MAX Money Market	2.716%	2.75%
Min Deposit $100,000 Min Balance $250,000 Details Balance: $250,000.00 or more; New money to the Credit Union required, not transferred from an existing WyHy account Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 2.75% APY · checked 7 times Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.60%
MAX Money Market	1.98%	2.00%
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00 to 249,999.99; New money to the Credit Union required, not transferred from an existing WyHy account Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 2.00% APY · checked 7 times Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.60%
Regular Money Market	0.349%	0.35%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000.00 or more Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.35% APY · checked 7 times Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.60%
Regular Money Market	0.30%	0.30%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000.00 to $249,999.99 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.30% APY · checked 7 times Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.60%
Regular Money Market	0.15%	0.15%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $50,000.00 to $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.15% APY · checked 7 times Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.60%
Regular Money Market	0.10%	0.10%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000.00 to $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 7 times Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.60%
MAX Money Market	0.05%	0.05%
Min Deposit $100,000 Min Balance $0 Details Balance: Up to $99,999.99; New money to the Credit Union required, not transferred from an existing WyHy account Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 7 times Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.60%
Regular Money Market	0.05%	0.05%
Min Deposit $2,500 Min Balance $0 Details Balance: Up to $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 7 times Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.60%

WyHy Federal Credit Union Checking Rates

Product	Rate	APY
Smart Returns Checking	-	3.00%
Min Balance $0 Details Qualifications Required; Qualifying balance up to $15,000.00; Earn up to $20 ATM fee refunds per month; No Minimums Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.00% APY Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.60%
SmartReturns Checking Account	2.96%	3.00%
Min Deposit $25 Min Balance $0 Details Qualifications Required; Qualifying Accounts; Balance: Up to $15,000.00; 3.00% APY valid on balances up to $15,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.00% APY · checked 2 times Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.60%
SmartReturns Checking Account	0.25%	0.25%
Min Deposit $25 Min Balance $15,000 Details Qualifications Required; Qualifying Accounts; Balance: $15,000.01 + Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.25% APY · checked 2 times Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.60%
SmartReturns Checking Account	0.05%	0.05%
Min Deposit $25 Min Balance $0 Details Non-qualifying Accounts; APY is 0.05% for any qualification period not met Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.05% APY · checked 2 times Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.60%

WyHy Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Purchases and First Mortgage Refinances - 15 year Conventional	6.625%	-	6.625%	15 years
Details As Low As; Purchases and First Mortgage Refinances; rates as low as, based on 760+ FICO and 20% down Last Updated 10/12/2026 Rate History 2 changes since Sep 12, 2026 · 5.88% → 6.63% ▲ 0.75 pts · high 6.63% / low 5.88% Oct 8, 20266.63%▲ from 6.25% Sep 17, 20266.25%▲ from 5.88% Sep 12, 20265.88%first recorded Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.60%
Purchases and First Mortgage Refinances - 30 year FHA	6.875%	-	6.875%	30 years
Details As Low As; Purchases and First Mortgage Refinances; rates as low as, based on 760+ FICO and 3.5% down Last Updated 10/12/2026 Rate History 3 changes since Sep 12, 2026 · 6.38% → 6.88% ▲ 0.50 pts · high 6.88% / low 6.38% Oct 8, 20266.88%▲ from 6.63% Sep 25, 20266.63%▲ from 6.50% Sep 17, 20266.50%▲ from 6.38% Sep 12, 20266.38%first recorded Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.60%
Purchases and First Mortgage Refinances - 30 year VA	6.875%	-	6.875%	30 years
Details As Low As; Purchases and First Mortgage Refinances; rates as low as, based on 760+ FICO and 0.00% down Last Updated 10/12/2026 Rate History 3 changes since Sep 12, 2026 · 6.38% → 6.88% ▲ 0.50 pts · high 6.88% / low 6.38% Oct 8, 20266.88%▲ from 6.63% Sep 25, 20266.63%▲ from 6.50% Sep 17, 20266.50%▲ from 6.38% Sep 12, 20266.38%first recorded Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.60%
Purchases and First Mortgage Refinances - 30 year USDA	7.00%	-	7.00%	30 years
Details As Low As; Purchases and First Mortgage Refinances; rates as low as, based on 760+ FICO and 3.5% down Last Updated 10/12/2026 Rate History 3 changes since Sep 12, 2026 · 6.38% → 7.00% ▲ 0.63 pts · high 7.00% / low 6.38% Oct 8, 20267.00%▲ from 6.63% Sep 25, 20266.63%▲ from 6.50% Sep 17, 20266.50%▲ from 6.38% Sep 12, 20266.38%first recorded Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.60%
5/1 Adjustable Rate Mortgage	7.25%	-	7.25%
Details As Low As; Purchases and First Mortgage Refinances; rates as low as, based on 760+ FICO and 20% down Last Updated 10/12/2026 Rate History 1 change since Oct 2, 2026 · 7.13% → 7.25% ▲ 0.13 pts · high 7.25% / low 7.13% Oct 12, 20267.25%▲ from 7.13% Oct 2, 20267.13%first recorded Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.60%
7/1 Adjustable Rate Mortgage	7.375%	-	7.375%
Details As Low As; Purchases and First Mortgage Refinances; rates as low as, based on 760+ FICO and 20% down Last Updated 10/12/2026 Rate History 1 change since Oct 2, 2026 · 7.50% → 7.38% ▼ 0.13 pts · high 7.50% / low 7.38% Oct 12, 20267.38%▼ from 7.50% Oct 2, 20267.50%first recorded Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.60%
Purchases and First Mortgage Refinances - 20 year Conventional	7.375%	-	7.375%	20 years
Details As Low As; Purchases and First Mortgage Refinances; rates as low as, based on 760+ FICO and 20% down Last Updated 10/12/2026 Rate History 2 changes since Sep 12, 2026 · 6.50% → 7.38% ▲ 0.88 pts · high 7.38% / low 6.50% Oct 8, 20267.38%▲ from 6.88% Sep 17, 20266.88%▲ from 6.50% Sep 12, 20266.50%first recorded Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.60%
Purchases and First Mortgage Refinances - 30 year Conventional	7.50%	-	7.50%	30 years
Details As Low As; Purchases and First Mortgage Refinances; rates as low as, based on 760+ FICO and 20% down Last Updated 10/12/2026 Rate History 2 changes since Sep 12, 2026 · 6.75% → 7.50% ▲ 0.75 pts · high 7.50% / low 6.75% Oct 8, 20267.50%▲ from 7.00% Sep 17, 20267.00%▲ from 6.75% Sep 12, 20266.75%first recorded Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.60%
10/1 Adjustable Rate Mortgage	7.625%	-	7.625%
Details As Low As; Purchases and First Mortgage Refinances; rates as low as, based on 760+ FICO and 20% down Last Updated 10/12/2026 Rate History 1 change since Oct 2, 2026 · 7.50% → 7.63% ▲ 0.13 pts · high 7.63% / low 7.50% Oct 12, 20267.63%▲ from 7.50% Oct 2, 20267.50%first recorded Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.60%

WyHy Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Streamline	5.99%	-	5.99%
Details As Low As; Rate as low as Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 5.99% APR · checked 9 times Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.60%
HELOC	-	-	7.50%
Details As Low As; APR* Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 7.25% → 7.50% ▲ 0.25 pts · high 7.50% / low 7.25% Sep 17, 20267.50%▲ from 7.25% Sep 12, 20267.25%first recorded Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.60%

WyHy Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
Recreational Vehicle Loans	-	7.55%
Details As Low As; Rates Just For You Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 7.55% APR · checked 7 times Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.60%
Recreational Vehicles Above Loan	-	9.05%
Details $30,000; As Low As; Above $30,000; Rates Just For You Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 9.05% APR · checked 6 times Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.60%

WyHy Federal Credit Union Credit Card Rates

Product	Rate	APR
VISA Platinum Credit Cards - Non-Rewards	-	12.40%
Details As Low As; APR* as low as; VISA Credit Card rates are variable and subject to change based on changes in the Prime Rate Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 12.40% APR · checked 4 times Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.60%
VISA Platinum Credit Cards - Rewards	-	13.40%
Details As Low As; APR* as low as; VISA Credit Card rates are variable and subject to change based on changes in the Prime Rate Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 13.40% APR · checked 4 times Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.60%

WyHy Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Unsecured Personal Loan	11.70%
Details As Low As; APR* as low as Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 11.45% → 11.70% ▲ 0.25 pts · high 11.70% / low 11.45% Sep 17, 202611.70%▲ from 11.45% Sep 12, 202611.45%first recorded Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.60%

WyHy Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
FastTrac	0.30%	-	0.30%
Min Deposit $5 Min Balance $0 Details Balance: Up to $10,000.00; Tiered rate account; Member must have eStatements Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.30% APY Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.60%
FastTrac	0.05%	-	0.05%
Min Deposit $5 Min Balance $10,000 Details Balance: $10,000.01 and over; Tiered rate account; Member must have eStatements Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.05% APY Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.60%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

WyHy 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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$409M	21.60%	4.5	B
March 31, 2026	$410M	20.60%	4.5	B
December 31, 2025	$402M	18.25%	4.7	B+
September 30, 2025	$400M	13.93%	5.0	A
June 30, 2025	$401M	11.77%	5.0	A
March 31, 2025	$398M	10.79%	5.0	A
December 31, 2024	$390M	11.11%	5.0	A
September 30, 2024	$384M	7.95%	5.0	A
June 30, 2024	$381M	5.65%	5.0	A+
March 31, 2024	$384M	6.28%	5.0	A
December 31, 2023	$379M	5.71%	5.0	A+
September 30, 2023	$377M	4.46%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

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 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

Financials

MonitorBankRates 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

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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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.

Current WyHy Federal Credit Union Rates

12-Month CD3.70%
18-Month CD3.35%
24-Month CD3.30%
60-Month CD3.45%
Savings0.30%
MMA2.75%

Retrieved from our database of financial products. Rates subject to change.

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WyHy Federal Credit Union Rates & Review October 2026

Brian McKay

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Frequently Asked Questions About WyHy Federal Credit Union

How many branches does WyHy Federal Credit Union operate?

Is a member application needed to join WyHy Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does WyHy Federal Credit Union offer online and mobile banking?

Current WyHy Federal Credit Union Rates

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