Uniwyo Federal Credit Union


2020 E Grand Ave
Laramie, WY 82070
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.15% 5.55% →
1-Year CD 0.75% 5.60% →
2-Year CD 1.00% 4.90% →
5-Year CD 1.40% 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Credit Union Information

Uniwyo is an NCUA insured institution located in Laramie, WY. It was founded in 1953 and has approximately $715 millions in assets.

Who can join?

UniWyo Federal Credit Union serves a defined "field of membership," and only accepts new members who are employees or members of the groups in the Field of Membership as well as members of their families.
• University of Wyoming, the United States Government, and of the State of Wyoming, who work in cooperation with the University of Wyoming and whose headquarters are located at the University
• Military personnel of the United States Government who work in cooperation with or are training at the University of Wyoming
• 4th Street Salon and Nail Spa
• 7220 Construction
• Absolute Acrylic Nail Spa
• Acupuncture
• Albany County
• Albany County School District #1
• Albany County Title, INC.
• Albany County Security
• Alexanders Fine Jewelry
• Alibi Pub
• Alpine Animal Hospital
• Alsco American Linen
• Alsop, Inc.
• American Consumer Council - Only available to resident's of Wyoming and the Front Range of Colorado
• An Independant Archeologist (AIA)
• Animal Health Center
• Nicholas and Tangeman, LLC
• Appaloosa Broadcasting
• ARK Regional Services
• Aron and Henning
• Arrowhead Pump Service
• American Collections Systems, Inc.
• B C Technologies
• Banner Associates, Inc.
• Basic Beginnings
• Big Horn Lumber Company
• Biodiversity Conservation Alliance
• Brook Construction
• Brown and Gold Outlet
• Burger King #2178
• Caterings of Laramie
• Cathedral Home for Children
• Century 21 Associated Brokers
• Cha Corporation
• Chemical Tracers, Inc.
• City of Laramie
• City of Medicine Bow Employees
• Clure Brothers Furniture
• Coffey Engineering & Surveying
• Colling Inc.
• Corral West Ranchwear
• Crystal Solutions
• Delta Delta Delta, Theta Eta Chapter
• Developmental Preschool & Daycare Center
• Double G Ventures, LLC
• Dr. D Flock & Associates
• Edwards Orthodontics
• Eppson Center for Seniors
• First Christian Church
• Foundation Specialists, Inc.
• Grand Newsstand
• Premier Bone & Joint
• Gem City Enterprises
• Grand Newsstand
• Greg McCarty Honda Employees
• Handel Information Technologies, Inc.
• Hayden-Wing Associates, LLC
• High Country Health, Inc.
• Hilltop Christian Daycare, Inc.
• Hilton Garden Inn
• Holiday Inn Employees
• Ides
• Insurance Unlimited
• Ivinson Memorial Hospital
• Karen Phillips, MSPT
• Kotby Motors Employees of Laramie
• LAFARGE North America Inc.
• Laramie Area Chamber of Commerce
• Laramie County Community College, Albany County Campus Employees
• Laramie Cycles Inc.
• Laramie Ford Lincoln Mercury
• Laramie GM Autocenter
• Laramie Newspapers, Inc.
• Little Caesars Pizza
• Maverick Motorsports
• Mecikalski Corporation
• Medicine Bow Psychiatry
• Mountain Cement
• Osborne Concrete
• Pam Dunnuck, CPA, PC
• Peak Wellness
• Pendley and Associates, Inc.
• Pepsi Bottling Company
• Prehoda, Leonard, and Edwards, LLC
• Reed's Package Liquors
• Regency Retirement Residence
• Resource Technology Corporation
• Rocky Mountain Reclamation
• Safe House Project
• Skyline Oasis Golf
• Shari's Restaurants
• Snowy Range Academy Charter School
• Snowy Range Evangelical Free Church
• Software Gallery, LLC
• South Central District of the Wyoming Dental Society
• Star Awards & Signs
• StarTek
• Stonehouse, Inc.
• Sweet Melissa's
• Table in the Wilderness Ministries
• Thaxton Insurance Agency, Inc.
• The Library Sports Grille & Brewery
• The Overland Restaurant
• The Pedal House
• Thone Insurance Service
• Thought Equity Motion
• TLC Commercial Cleaning
• Trans Lux Theaters
• TRC Environmental Corporation
• Trent Law Office, LLC
• TriHydro Corporation
• Trout Unlimited
• Tumbleweed Express
• Voltech Electric, Inc.
• Wal-Mart
• Warren A. Lauer, Attorney at Law
• Western Water Consultants
• Western Waterworks, Inc.
• Wyoming Cowgirls
• Wyoming Technical Institute
• Wyoming Territorial Prison Corporation
• WyoTech Employees

NCUA Insured Yes / Federally Chartered
Charter Number # # 9089
Date Established 1953
Assets $715.00 million
Loans $478.16 million
Deposits $628.02 million
Capital $74.59 million

Field of Membership Restrictions

Membership is open to all residents of Wyoming and select parts of Colorado through membership in the American Consumer Council. Membership is also open to the staff, faculty, and students of the University of Wyoming. Membership is also open to employees of the United States government, the state of Wyoming, or military personnel who work in cooperation with the University of Wyoming and whose headquarters is located in the University and other select groups.

Deposit Rates - April 23, 2024

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.15% $2,500 $4,999 Learn More
Money Market
0.25% $2,500 $2,999 Learn More
Money Market
0.35% $10,000 $14,999 Learn More
Money Market
0.40% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.60% $10,000 $14,999 Learn More
6 Mo CD
0.60% $100,000 $199,999 Learn More
12 Mo CD
0.75% $10,000 $14,999 Learn More
12 Mo CD
0.75% $100,000 $199,999 Learn More
24 Mo CD
1.00% $10,000 $14,999 Learn More
24 Mo CD
1.00% $100,000 $199,999 Learn More
36 Mo CD
1.10% $10,000 $14,999 Learn More
36 Mo CD
1.10% $100,000 $199,999 Learn More
48 Mo CD
1.30% $10,000 $14,999 Learn More
48 Mo CD
1.30% $100,000 $199,999 Learn More
60 Mo CD
1.40% $10,000 $14,999 Learn More
60 Mo CD
1.40% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.15% $2,500 $3,499 Learn MoreShow Less
Checking Rates APY MIN FEE
High-Dividend Checking Account 3.00% $0 $0.00 Learn MoreShow Less

Loan Rates - April 23, 2024

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Uniwyo

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Points Fees Monthly
Learn More
Tomo Mortgage, LLC.
NMLS ID: 2059741
6.894% 6.750% 0.88 $4,746 $2,076 Learn More
Rocket Mortgage
NMLS ID: 3030
7.463% 7.375% 0.88 $2,800 $2,211 Learn More
Neighbors Bank
NMLS ID: 491986
Learn More
NMLS ID: Not a Lender
Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
7.490 %
$0 Learn More
More Info

Note to Uniwyo
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Uniwyo Locations

Climate Policy and Initiatives

UNIWYO is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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Financial Details

Uniwyo Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Uniwyo. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Uniwyo U.S. Average
3.71% 6.97

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2023, Uniwyo had $2,872,419 in non-current loans and $12,398 in owned assets. To cover these potential losses it had $74,590,313 in net worth and $3,144,140 in loans loss reserves. That gives it a Texas Ratio of 3.71%.

Net Worth
Uniwyo U.S. Average
10.42% 13.62%

Uniwyo FCU has a net worth of 10.42% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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