Credit Score on Online Banking

To better serve our members WyHy offers their members a quarterly credit score through its Online Banking Application. This is a FREE service for its members, allowing them to have access to their credit score each quarter without showing as an inquiry on their credit - that's right providing this score will not affect their credit and is for informational purposes only!

How do I find my credit score?

The score can be located within Online Banking under E-Services - Credit Score.

What are the advantages of having my credit score?

Your credit score is king
Knowing your credit score means you are aware of your finances
You can be better equipped to manage your credit score, especially since several companies depend on your credit score to conduct business.
You can detect identity theft with your credit score
Managing your credit score means better financial options for you

Learn more about Your Credit Score and Understanding how your credit is evaluated.

President's Letter to Members

Dear WyHy Federal Credit Union Members,

To say 2009 was an interesting year would be an understatement. As we approach 2010, the economy is still at the top of everyone's mind. While uncertainties about the status of the economy remain, WyHy remains a sound, secure and safe financial institution. WyHy's top priority is our membership. WyHy is owned by its members. WyHy is a "not for profit" organization. These are the founding principles of credit unions. During times like these, the difference between credit unions and other financial institutions become clearer than ever. Experts across the nation are touting credit unions for their safety, soundness, better rates and lower fees. I encourage you to refer credit unions to your friends and families, now is the time to make the switch from the big banks!

As a member-owned institution, we make decisions for the benefit of our membership. You often hear financial institutions are not lending. We are! In 2009, while most financial institutions had no loan growth in 2009, WyHy grew loans 19%, while most financial institutions had higher delinquencies, WyHy's dropped. As a result of the trust you place in us, and the efforts of our staff, your credit union has grown successfully in 2009. Without a doubt, your credit union continues to do well during these challenging economic times. The reason for these successes is simple; we continue to make decisions that benefit our members.

At WyHy, we strive to offer personalized solutions that meet the individual needs of our members. We see this approach as a way to respect what our members want and need from their financial institution. When we listen to our members, we recognize that you care about your community. We are committed to supporting communities throughout Wyoming not only through monetary donations, but with our time and talent. By supporting the local agencies that serve you, we hope to positively impact your overall quality of life. Some of these agencies we supported this year include, Adopt a Family, Adopt a Soldier, Cell Phone for Soldiers, Cheyenne Animal Shelter, Meals on Wheels, Boys & Girls Club, Nicolaysen Art Museum, Cheyenne Schools Foundation, Comea Donations, United Way and United Blood Services. At WyHy, giving back to our communities is not a policy it is a principal.

As we enter 2010, rest assured that the Board of Directors and staff are committed to maintaining WyHy's safety, soundness and financial strength. We look forward to continuing our efforts in providing you with the most competitive products and services and by rewarding your loyalty with our SmartPoints program. The rewards program that gives you the ability to decrease certain loan rates, increase certificate of deposit rates and waive certain service fees. I'm also excited to announce that we will be introducing a new credit card program and Business Account Solutions, so stay tuned for more details in the coming months.

I am proud of WyHy's continued strength and security and would like to thank you for its growth and your membership.