Land Loans

WyHy offers loans to members on unimproved land (unimproved land is defined as raw land or raw land with utilities).
Loans granted for unimproved land can be used for primary residence, or on primary and secondary (vacation) residences.
Loan to Value: 65%
Repayment Terms: Loans less than $35,000, 60 months. Loans greater than $35,000, 60 months and 144 month amortization.
Interest Rates: Based on borrower's credit score and loan to value.
Early Payoff Penalty: None
Processing Fees: Fees will vary and are based on loan amount and loan to value. Fees may include, but are not limited to: appraisal fee, document preparation, flood certification, origination fee, recording fee and title insurance.
Interest: Monthly 360 day accrual.
Monthly Payment: Payments may be made in person, through the mail, auto deduction, payroll deduction, online banking or telephone banking.
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To apply for a loan Click Here.

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.