Account Disclosure Rate Supplement and Schedule of Fees and Charges

EFFECTIVE January 01, 2012

$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
0.050% 0.050% 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
0.350% 0.350% 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
0.050% 0.050% Quarterly $0.00
 
MONEY MARKET
Traditional Money market Accounts are a tiered 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 Balance
0.050% 0.050% Monthly $0.01
0.050% 0.050% Monthly $2,500.01
0.300% 0.300% Monthly $10,000.01
0.399% 0.400% Monthly $25,000.01
0.549% 0.550% Monthly $50,000.01
0.747% 0.750% Monthly $100,000.01
 
SMART RETURNS CHECKING ACCOUNT
Smart Returns Checking Accounts are a tiered variable rate accounts and the rate and APY are subject to change after account is opened. The minimum balance to open this account is $25.00. In order to earn interest at the disclosed rate and be eligible to receive up to $20.00 in credit for ATM fees incurred, during each qualifying period you must: (a) make at least one direct deposit to, or ACH debit from, Your account; and (b) make 12 or more point of sale transactions (evidenced by Your statement) using your VISA Debit Card; and (c) consent to receive Your statements electronically. Each qualifying period will begin on the first calendar day of the month and end on the last day of that same month. You will not be reimbursed for any accrued but unreimbursed ATM fees at the time You close Your Account. Dividends calculated on the average daily balance, compounded and paid monthly. Dividend Rate APY% Compound Frequency Balance
2.96% 3.00% Monthly $0.01
2.96% 3.00% Monthly $10,000.00
.499% .500% Monthly $10,000.01
 

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
0.599% 0.600% 0.798% 0.800% 0.798% 0.800% 0.847% 0.850% 0.847% 0.850% 0.847% 0.850%
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 0.250% 0.250% 0.250% 0.250% 0.300% 0.300% 0.300% 0.300% 0.300% 0.300%
6 months 0.350% 0.350% 0.350% 0.350% 0.399% 0.400% 0.399% 0.400% 0.399% 0.400%
12 months 0.698% 0.700% 0.698% 0.700% 0.748% 0.750% 0.748% 0.750% 0.748% 0.750%
14 months 0.947% 0.950% 0.947% 0.950% 0.996% 1.000% 0.996% 1.000% 0.996% 1.000%
18 months 0.996% 1.000% 0.996% 1.000% 1.046% 1.050% 1.046% 1.050% 1.046% 1.050%
24 months 1.145% 1.150% 1.145% 1.150% 1.195% 1.200% 1.195% 1.200% 1.195% 1.200%
30 months 1.244% 1.250% 1.244% 1.250% 1.294% 1.300% 1.294% 1.300% 1.294% 1.300%
36 months 1.294% 1.300% 1.294% 1.300% 1.343% 1.350% 1.343% 1.350% 1.343% 1.350%
60 months 1.985% 2.000% 1.985% 2.000% 2.034% 2.050% 2.034% 2.050% 2.034% 2.050%
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 0.250% 0.250% 0.250% 0.250% 0.300% 0.300% 0.300% 0.300% 0.300% 0.300%
6 months 0.350% 0.350% 0.350% 0.350% 0.399% 0.399% 0.399% 0.399% 0.399% 0.399%
12 months 0.698% 0.700% 0.698% 0.700% 0.748% 0.750% 0.748% 0.750% 0.748% 0.750%
18 months 0.996% 1.000% 0.996% 1.000% 1.046% 1.050% 1.046% 1.050% 1.046% 1.050%
24 months 1.145% 1.150% 1.145% 1.150% 1.195% 1.200% 1.195% 1.200% 1.195% 1.200%
30 months 1.244% 1.250% 1.244% 1.250% 1.294% 1.300% 1.294% 1.300% 1.294% 1.300%
36 months 1.294% 1.300% 1.294% 1.300% 1.343% 1.350% 1.343% 1.350% 1.343% 1.350%
60 months 1.985% 2.000% 1.985% 2.000% 2.034% 2.050% 2.034% 2.050% 2.034% 2.050%

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

Striving to be your
lifetime financial partner

2nd Quarter 2011

Dear WyHy Federal Credit Union Members,

In a challenged economy, many people are looking for ways to cut costs and free up funds. The usual saving suspects come to mind: clipping coupons, shopping consignment stores, postponing large purchases, maybe refinancing a higher-rate mortgage. So - would you be willing to make a total change in your lifestyle for your saving's sake?

We've helped hundreds of members make lifestyle changes, and we've identified ways to minimize debt and save money even in this tough economy. Our Financial Life Coaches are trained to look at each member's total financial picture and identify opportunities to simply "make over" their finances which include cutting costs and building savings. Whether it's total reconstruction or simple cosmetic changes, a WyHy Financial Life Coach will sit down with you one-on-one to review your entire financial picture-at no cost.

The bottom line is that we here at WyHy are passionate about helping our members look for ways to cut costs and free up money to systematically save for a brighter future. As a matter of fact, WyHy set out in 2011 to save our membership one million dollars, and we not only met, but, surpassed this goal in less than five months! WyHy has impacted hundreds of members by identifying opportunities to minimize debt and save money.

There is no better time than NOW to reap the rewards of low interest rates and begin your savings plan or better your savings plan; it will give you the financial freedom to obtain your goals in life.

Call us today for your free consultation at 800-442-2392 or come by and say hi. We always enjoy seeing our members' faces!


Sincerely,


William Willingham, III
President/CEO