Account Disclosure Rate Supplement and Schedule of Fees and Charges

EFFECTIVE March 10, 2010

$5.00 minimum balance to open and maintain account. Initial deposit of $10.00 required for membership with $5.00 being retained by WyHy Federal Credit Union as a membership fee.

REGULAR SHARE/SAVINGS
*Dividends paid quarterly on the average daily balance. Rate and Annual Percentage Yield are subject to change after account is opened. Dividend Rate APY% Compound Frequency Minimum Deposit
0.399% 0.400% Quarterly $5.00
 
IRA ACCOUNTS
Must have a balance of $50 to open, there is no minimum balance to obtain the disclosed APY. Dividends are compounded and paid quarterly. Dividend Rate APY% Compound Frequency Minimum Deposit
0.748% 0.750% Quarterly $50.00
 
HEALTH SAVINGS ACCOUNTS
There is no minimum to open, there is no minimum balance to obtain the disclosed APY. Dividends are compounded and paid quarterly. Dividend Rate APY% Compound Frequency Minimum Deposit
0.748% 0.750% Quarterly $0.00
 
MONEY MARKET
Traditional Money Market Accounts are variable rate accounts and the rate and APY are subject to change after account is opened. Must have a balance of $2,500 to open an maintain the account and to obtain the disclosed APY. Dividends calculated daily, compounded and paid monthly. Dividend Rate APY% Compound Frequency Minimum Deposit
0.399% 0.400% Monthly $0.01
0.449% 0.450% Monthly $2,500.01
0.698% 0.700% Monthly $10,000.01
0.946% 0.950% Monthly $25,000.01
1.193% 1.200% Monthly $50,000.01
1.440% 1.450% Monthly $100,000.01
 
INTEREST SHARE DRAFT
Interest Share Draft Accounts are variable rate accounts and the rate and APY are subject to change after account is opened. To obtain the disclosed APY you must maintain a balance of $2,500, and have both direct deposit and a Credit Union issued debit card. Dividends calculated daily, compounded and paid monthly. Dividend Rate APY% Compound Frequency Minimum Deposit
0.000% 0.000% Monthly $0.01
0.200% 0.200% Monthly $2,500.00
0.449% 0.450% Monthly $10,000.00
0.698% 0.700% Monthly $25,000.00
0.946% 0.950% Monthly $50,000.00
1.193% 1.200% Monthly $100,000.00
 

Certificate Rates

SMART SAVERS 15 MONTH TERM SHARE CERTIFICATE
A $10.00 minimum deposit is required to open this account type. Dividends are paid quarterly and at renewal or maturity. Additional deposits can be made to this Certificate during the term. Funds may be withdrawn without penalty when the balance reaches $500 at any time during the initial or renewal term when invested in a regular Term Share Certificate with WyHy. Otherwise, a penalty for early withdrawal may be imposed. This type is offered to all IRA members, for any type of IRA including Traditional, Roth IRA, Educational IRA, Conversion Roth IRA, and SEP IRA.
$0-$500 $500-$2,499 $2,500-$9,999 $10,000-$24,999 $25,000-$49,999 Over $50,000
RateAPY RateAPY RateAPY RateAPY RateAPY RateAPY
1.046% 1.050% 1.095% 1.100% 1.195% 1.200% 1.294% 1.300% 1.393% 1.400% 1.541% 1.550%
REGULAR CERTIFICATES
  $500-$2,499 $2,500-$9,999 $10,000-$24,999 $25,000-$49,999 Over $50,000
RateAPY RateAPY RateAPY RateAPY RateAPY
3 months 0.549% 0.550% 0.648% 0.650% 0.748% 0.750% 0.847% 0.850% 0.996% 1.000%
6 months 0.648% 0.650% 0.748% 0.750% 0.847% 0.850% 0.947% 0.950% 1.095% 1.100%
12 months 1.095% 1.100% 1.195% 1.200% 1.294% 1.300% 1.393% 1.400% 1.492% 1.500%
14 months 1.343% 1.350% 1.442% 1.450% 1.541% 1.550% 1.640% 1.650% 1.788% 1.800%
18 months 1.195% 1.200% 1.294% 1.300% 1.393% 1.400% 1.492% 1.500% 1.640% 1.650%
24 months 1.540% 1.550% 1.640% 1.650% 1.739% 1.750% 1.837% 1.850% 1.985% 2.000%
30 months 1.590% 1.600% 1.698% 1.700% 1.788% 1.800% 1.887% 1.900% 2.034% 2.050%
36 months 1.640% 1.650% 1.739% 1.750% 1.837% 1.850% 1.936% 1.950% 2.084% 2.100%
60 months 2.231% 2.250% 2.330% 2.350% 2.428% 2.450% 2.526% 2.550% 2.673% 2.700%
IRA CERTIFICATES
  $500-$2,499 $2,500-$9,999 $10,000-$24,999 $25,000-$49,999 Over $50,000
  RateAPY RateAPY RateAPY RateAPY RateAPY
3 months 0.549% 0.550% 0.648% 0.650% 0.748% 0.750% 0.847% 0.850% 0.996% 1.000%
6 months 0.648% 0.650% 0.748% 0.750% 0.847% 0.850% 0.947% 0.950% 1.095% 1.100%
12 months 1.095% 1.100% 1.195% 1.200% 1.294% 1.300% 1.393% 1.400% 1.492% 1.500%
18 months 1.195% 1.200% 1.294% 1.300% 1.393% 1.400% 1.492% 1.500% 1.640% 1.650%
24 months 1.540% 1.550% 1.640% 1.650% 1.739% 1.750% 1.837% 1.850% 1.985% 2.000%
30 months 1.590% 1.600% 1.689% 1.700% 1.788% 1.800% 1.887% 1.900% 2.034% 2.050%
36 months 1.640% 1.650% 1.739% 1.750% 1.837% 1.850% 1.936% 1.950% 2.084% 2.100%
60 months 2.231% 2.250% 2.330% 2.350% 2.428% 2.450% 2.526% 2.550% 2.673% 2.700%

This supplement is incorporated into, becomes a part of and should be attached to Your Agreements and Disclosures.

For the purposes of this disclosure, this is a rate and APY as of the last dividend declaration date of ________________. These Dividend Rate(s) and Annual Percentage Yield(s) shown above may change at any time as determined by our Board of Directors.

A penalty may be imposed for early withdrawal. Dividends are paid quarterly and at renewal or maturity. On 3-month and 6-month Term Share Certificates, dividends are paid at maturity only. The minimum balance to open the account and to earn the disclosed Annual Percentage Yield is $500. The Annual Percentage Yield is based on the assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings. IRA funds may also be transferred to a certificate.

**14 month step-up is excluded as an IRA product. All deposited funds earn the rate for the tier that is commensurate with the balance as of the end of the previous dividend declaration date.


Close President's Letter to Members
WyHy Federal Credit Union

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.


Sincerely,


William Willingham, III
President/CEO