Wyhy Federal Credit Union
Headquarters
P.o. Box 20050
Cheyenne, WY 82003
See all branch locations →
ACH 302386930
2025 Overview
General Credit Union Information
Wyhy is an NCUA insured institution located in Cheyenne, WY. It was founded in 1953 and has approximately $401.44 millions in assets.
Who can join?
To qualify for membership at WyHy, you can be an employee at one of WyHy's many Select Employee Groups, be related, by blood or marriage, to a current employee of a SEG, or be related to someone who is a current Member.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 9094 |
| Date Established | 1953 |
| Assets | $401.44 million |
| Loans | $291.10 million |
| Deposits | $346.17 million |
| Capital | $52.46 million |
Field of Membership Restrictions
Must be an employee of one of the several Select Employee Groups (SEGs).
Deposit Rates - December 14, 2025
Your Current Location: Utah, UT 10007
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $2,500 | $4,999 |
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|
|
Money Market
|
0.05% | $2,500 | $2,999 |
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|
|
Money Market
|
0.10% | $10,000 | $14,999 |
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|
|
Money Market
|
0.10% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.35% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.40% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.65% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.80% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.90% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
0.90% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.95% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.30% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.35% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.30% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.35% | $100,000 | $199,999 |
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|
Loan Rates - December 14, 2025
Your Current Location: Utah, UT 10007
There are currently no loan rates available for Wyhy
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Utah 30 Year Fixed Mortgage Rates 2025
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1907 |
0.000% | 0.000% | 0.00 | $0 | $0 | Learn More |
NMLS ID: 2022461 |
5.804% | 5.625% | 1.00 | $6,387 | $1,843 | Learn More |
NMLS ID: 1006977 |
5.874% | 5.750% | 1.00 | $4,408 | $1,868 | Learn More |
NMLS ID: 3138 |
6.083% | 5.990% | 1.00 | $3,200 | $1,917 | Learn More |
Featured - Utah Home Equity Line Of Credit Rates 2025
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Quicken Loans See Table |
0.000 %
|
$0 |
Learn More
More Info |
Upstart Home Lending See Table |
Intro APR 6.520 % After Intro: 6.520 % |
$20,800 |
Learn More
More Info |
Figure Home Equity See Table |
Intro APR 6.850 % After Intro: 6.850 % |
$15,000 |
Learn More
More Info |
Valley Strong Credit Union See Table |
Intro APR 6.850 % After Intro: 6.850 % |
$15,000 |
Learn More
More Info |
Note to Wyhy
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are Wyhy branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Smithfield,Utah
Wyhy Locations around zip code 10007
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 138.95 | A | View Lobby Hours | |
| 304.14 | B | View Lobby Hours | |
| 377.03 | C | View Lobby Hours |
Climate Policy and Initiatives
WYHY 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
Wyhy Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Wyhy. 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
| Wyhy | U.S. Average |
|---|---|
| 9.49% | 5.63 |
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 June 30, 2025, Wyhy had $4,104,663 in non-current loans and $1,170,152 in owned assets. To cover these potential losses it had $52,459,529 in net worth and $3,118,792 in loans loss reserves. That gives it a Texas Ratio of 9.49%.
Net Worth
| Wyhy | U.S. Average |
|---|---|
| 13.06% | 14.29% |
Wyhy FCU has a net worth of 13.06% versus the BestCashCow average of 14.29. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Wyhy
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