15 month Smart Savers Certificates

This certificate is intended for the member who wants the ability to add additional funds at any time during the original term of the certificate.
The Smart Savers Certificate will automatically renew at maturity with a 10 day grace period, but if the balance has grown to $500 or more, the member is allowed to invest in any of the other certificate products without a penalty.
The certificate is available to any IRA member.
Minimum Balance: $10.00
Penalty: The lesser of all accrued dividends since the date of issuance or 180 days.
Dividends: Dividends are accrued daily and compounded quarterly. Earned dividends can be credited to the certificate, taken by check or transferred to another share account quarterly.
Term: 15 months
Tiered Rate: Rates are based on the dollar amount and term of the investment. The more you deposit the greater the rate.
Rate: Refer to rate sheet for current rates.
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President's Letter to Members

Revised: June 8^th, 2010

WyHy continues to put you, our owner and your interest's first! We are asking for both your help and request your support for your credit union!

As a WyHy owner, you have a right to know how governmental changes can affect your everyday routine. The Senate has recently passed an amendment to the financial reform bill that will have a significant impact on how you use your debit card. WyHy does not support this legislation, and we would like to explain why.

We do not believe the federal government should decide how much it should cost for stores to accept debit cards, especially if it will force financial institutions to raise the rates on these cards for customers. We also disagree with the amendment because it will give retailers the ability to set minimum and maximum payment amounts, and to discriminate between cards, charging more for one than another. We don't want you to be forced to carry cash, just to avoid being stranded at the register if you can't use your card. We don't want you to have to carry several cards, just to avoid paying more to use one versus another.

Please speak out against this amendment becoming law before it is too late. This is a simple process that should only take a couple of minutes to complete. Please click here to send a letter or email to your Member of Congress. This is time sensitive, make your voice heard.