The holiday season is a time of warmth, joy, and a sense of home. At WyHy Federal Credit Union, we take pride in being more than just a financial institution—we are your holiday home, dedicated to making your financial dreams come true.

As the holiday season approaches, we understand that managing finances can sometimes feel like navigating a busy highway. At WyHy, we're here to help make your journey a little smoother, allowing you to focus on what truly matters during this special time.

As we gather around the table to give thanks this week, we want to take a moment to express our deepest gratitude to each and every one of you. This Thanksgiving, we reflect on our incredible journey as a WyHy family.

The most wonderful time of the year is just around the corner, and at WyHy Federal Credit Union, we have something truly magical in store for you! Get ready to experience a holiday season like never before with our exclusive 0% Visa Promotion.

For many of us, November and December kick off a season of celebrating, family, feasting, and, yes…spending. The holidays are a chance to make memories, but this can also be a time of financial stress—especially if you wait until the last minute to make plans. And let’s be honest: with high-interest rates and student loan payments resuming, many of us are justified in our reticence to spend. Here are a few savings strategies to help you save this season.

October is Cybersecurity Awareness Month, and it's the perfect time to reflect on the importance of safeguarding your digital world from the unseen threats that lurk in the dark corners of the internet. Just as you take precautions to keep monsters, zombies, and mummies away on Halloween night, taking steps to protect your network can save you from the haunting consequences of data breaches.

Fall is here, and that means it's time to embrace the beauty of the season and have some fun. You don't need to break the bank to create wonderful memories with your loved ones. Here are some fantastic fall activities that won't put a dent in your wallet:

WyHy's Document Destruction Days are here! Dedicated to the secure disposal of important documents, DDD Days offers our valued WyHy members the chance to eliminate personal, financial, and business papers safely. But we're not stopping at just protecting your identity and confidential information. We're elevating this event by teaming up with the Food Bank of Wyoming, where we'll match every monetary donation made, dollar for dollar.

As we usher in fall, millions of borrowers are resuming their monthly student loan payments. But unfortunately, students aren’t the only individuals with money on their mind. If you’re a student or graduate, it's crucial to be aware of online scammers who target borrowers with the aim of cashing in. Here are some strategies for protecting yourself and your finances.

As the leaves start to fall and Halloween decorations go up, October serves not just as the gateway to the holiday season, but also as National Financial Planning Month. With Thanksgiving and Christmas right around the corner, now is the perfect time to assess your financial plans and make improvements to your overall financial well-being. Whether you're starting from scratch or have a plan that needs updating, remember it's never too early or too late to begin.

Get Shreddy! We're excited to announce WyHy's Shred Days will return on October 20th and 21st. This initiative focused on secure document destruction, Shred Days serves as an opportunity for our WyHy members to safely dispose of personal, financial, and business documents.

At WyHy Federal Credit Union, we understand that buying a home is more than just a financial transaction; it's a milestone. That's why we've partnered with Servion Mortgage to bring our valued members an exclusive Home Buying Webinar that aims to guide you through the intricacies of the home-buying process.

In an era defined by digital innovation and on-the-go lifestyles, WyHy is at the forefront of banking technology with our latest offering - Digital Card Issuance.

As the back-to-school season starts, we want to remind you and your teens about an empowering opportunity that paves the way for their financial independence—the WyHy Independence Account. Just like the excitement of returning to school, this account is all about embarking on a journey of growth, learning, and taking charge of finances.

Imagine receiving a text message that seems to be from WyHy, urging you to log in to verify your account activity. What would you do? If you're like most people, you might feel a sense of urgency to address the matter promptly. However, this is likely a phishing scam.

After a historical hiatus throughout the pandemic, borrowers now face federal student loan repayment. Evaluating your full financial picture and making a repayment plan goes a long way towards reducing stress and uncertainty. Unsure where to start? Read on!

As summer fades and the school bell beckons, it's a time of excitement for students and a budget challenge for parents. At WyHy, we're dedicated to making this transition smooth and cost-effective for your family. Here's a concise guide on savvy back-to-school budgeting along with the convenience of QCash Loans – your financial aid when you need it most.

You’ve planned every aspect of your summer vacation. You’ve double-checked your suitcase and memorized your itinerary, but are your finances in order? Stay on top of your accounts and keep your vacation stress-free with eAlerts.

At WyHy, we believe that our members are the lifeblood of our credit union. Without you, we wouldn't be where we are today. That's why, throughout August, we are celebrating and showing our gratitude to each of you during our Member Appreciation Month!

By GreenPath Financial Wellness

All good things must come to an end – and that applies to the upcoming end of federal student loan payment relief measures, which paused federal student loan debt collection and reduced interest rates on federal student loans to 0% during the moratorium. 

Have you found yourself wondering if you could qualify for a mortgage, but you aren’t certain where to start? Great news is that we’re with you as you take your first steps toward homeownership! Buying a home and getting a mortgage is likely to be the largest financial transaction that most of us undergo, and at WyHy we are passionate about ensuring that our members are successful in every step of the process -- from planning all the way to closing!

In today's fast-paced business landscape, having a reliable financial partner is essential for any organization striving for success. WyHy is proud to offer a comprehensive suite of business banking solutions tailored to meet the diverse needs of businesses of all sizes.

As Independence Day approaches, we're excited to celebrate the spirit of freedom, patriotism, and financial well-being with our members. This Fourth of July, as we come together to commemorate our nation's independence, we also want to take the opportunity to provide some valuable credit union tips to ensure our members' financial independence and security.

If you're carrying a balance on your credit card, you may not realize just how much money you're losing to interest charges. High interest rates can eat away at your hard-earned money and make it difficult to get ahead financially. But there's good news! You have the power to take control of your finances and start saving.

As adults, how we handle finances sends a powerful message to children. That’s why it’s important to model the healthy money management behaviors that we want the kids in our lives to adopt. 

As the summer season approaches, many of us are eager to bask in the sun, embark on vacations, and create lasting memories with loved ones. However, it's important to strike a balance between enjoying the summer and maintaining financial stability. With a little planning and discipline, you can save money without compromising on the joys of the season. Here are ten practical tips to help you make the most of your summer while building your savings.

As the flowers bloom and the days get longer, it's the perfect time for a fresh start. Just as you declutter and revitalize your living space during spring cleaning, why not extend that spirit of renewal to your finances? Take a moment to dust off your old 401(k) and give your retirement savings the attention they deserve

Your teen's credit history will have a lasting impact on their adulthood. Good credit opens doors to affordable homeownership, while poor credit can create financial obstacles for years to come. Building credit, however, can be a challenging "chicken-and-egg" situation. Your teen needs credit to build credit, but they struggle to prove their responsibility without an opportunity.

In today's ever-evolving digital landscape, it's crucial to stay one step ahead of fraudsters who are constantly seeking ways to exploit unsuspecting individuals. WyHy is committed to ensuring the safety and security of your financial information, but it's equally important for you to be informed and proactive in protecting yourself against fraud. Stay vigilant, be proactive, and let's join forces in the fight against fraud.

Are you contemplating whether refinancing your auto loan is the right choice for you? Uncertain about the process involved? Refinancing your car loan can be an excellent option if you want to reduce your monthly payments or secure a better interest rate.

Unexpected things come up in life. Car repairs, medical emergencies, and other expenses that must be taken care of seem to pop up at the worst time. In times like these payday loans may seem like an easy solution, but they can be costly and put you in a cycle of debt that's hard to escape. Payday loans are a form of short-term borrowing that can be quite expensive, often carrying high interest rates and fees. That's where WyHy's QCash comes in as a better option.

At WyHy, we care about your financial health. That’s why we’ve partnered with trusted national non-profit GreenPath Financial Wellness to provide you with individualized counseling, guidance, and educational resources

WyHy members, it's time for some financial spring cleaning! Just like you clear out the dust and grime from your home, it's also important to tidy up your finances to make room for a cleaner, fresher, and happier financial future.

With tax season in full swing, you might be anticipating a considerable tax refund, and wondering how best to use it. The IRS typically issues refunds in less than 21 days, so you'll have some time to decide. The optimal way to spend your refund will depend on your financial situation and future goals. Here are some suggestions for making wise use of your tax refund.

For a limited time, we'll beat your rate by 1.00% APR* and give you 45 days without payments!

Are you ready for some spring cleaning? WyHy's Shred Days are here to help! Shred Days will be happening on April 14th in Casper, Rock Springs, and Green River, and on April 15th in Cheyenne.

Your debit card is as necessary to have on hand as your cell phone, but that makes it an easy target for thieves.  At WyHy we want to help our members prevent debit card fraud by providing useful tips and information.

Credit Union members must stay alert to the latest attempts by scammers to access personal financial data. Some of our members have recently received phone calls and texts from fraudsters posing as WyHy employees. Fraudsters spoof credit union phone numbers and email addresses to gain members’ trust before stealing account funds.

Did you know, you can now see your Smart Points in WyHy home and mobile banking? You can, and it's easy!

With the equity you’ve built up in your home over the years, you could be sitting on a lot of money! When you’re ready to put your home’s equity to work, you may be wondering which option is best for you – a home equity loan or a home equity line of credit (HELOC).

Do something nice for your friends this Valentine's Day: Refer them to the WyHy family! By introducing them to WyHy, they'll enjoy all the benefits and financial rewards of one of the area's most popular and respected financial institutions. What a great way to build a relationship – for everyone!

Make tax time relax time – it’s possible if you stay organized! Take note of the following, and remember to use your WyHy account number and routing number for direct deposit to get your tax return quickly

At WyHy, your financial security is one of our top priorities. We’ve recently updated our card controls to help you take your security to the next level by giving you the flexibility to choose how you restrict or allow access to your WyHy debit card.

Are you looking to invest your money but not sure what option is right for you? Consider a Certificate. Certificates let you invest your money at a higher interest rate while ensuring your hard-earned cash is safe and secure

Did you know, kids who learn about personal finance early in life are more likely to make good financial decisions when they are older? In addition, early financial literacy helps kids form responsible spending and saving habits throughout life. They also turn into adults who are savvy about investments!

By the end of January, many of us will have forgotten all about our New Year’s resolutions. It can be difficult to change our lives, even when it’s for the better. Knowing this, we want you to know that in your financial life there are changes you can make today that will last the entire year. Here are two resolutions you can set today and some follow-up goals for the rest of the year.

The most wonderful time of the year is not always the most wonderful time for your wallet. Vacations, gifts, and holiday meals can all add up. And that’s not even counting any holiday emergencies! You can save up all year for the holidays and still threaten your budget. But don’t fret – we’re here to help when the financial stress starts to spoil the fun.

Adjustable Rate Mortgages, also known as ARMs, are a 30-year home loan type that has a lower interest rate for the first 5, 7, or 10 years of the loan, followed by an adjustable rate after the initial fixed term expires.

The holidays are right around the corner. For many this means a time to be joyful and giving. For others, it marks the perfect time to take advantage of increased spending to steal consumers’ personal financial information.

Inflation occurs when the prices of goods and services rise in the economy. Unfortunately, an increasing inflation rate typically affects a consumer’s purchasing power. Therefore, reevaluating your finances is more important than ever during these times! How can you make the most of your money when inflation hits?

At its core, "Thanksgiving” is an expression of gratitude. For most, the holiday is marked by bountiful dinners and time to gather as a family. But it is also a time that we choose to give back to our communities and to those less fortunate. This Thanksgiving we want to highlight a few of the ways WyHy and all of our amazing members have partnered with local organizations to help spread holiday cheer throughout Wyoming.

VA home loans are one of many tools that WyHy offers to ensure our members find the best home loan for their unique financial situation. VA loans are government-backed loans that allow WyHy to offer special benefits for qualifying borrowers!

The Credit Union Wealth Group has provided the following Investment Outlook which delivers a concise commentary on their views of the current economy & markets.

On Thursday, October 20, 2022, WyHy joined over 56,000 credit unions around the world in celebration of International Credit Union Day. This year’s theme was “Empower Your Financial Future with a Credit Union.”

This year, we are proud to be partnering with Food Bank of Wyoming to provide food and necessities to people in need. While there is no cost to Document Destruction Days, we encourage members and participants to contribute to the Food Bank of Wyoming.

Whether you’re trying to maintain your credit or improve your credit scores, it’s important to monitor your credit regularly. Why? Because monitoring your credit can help you see exactly where you stand—and how much progress you’ve made.

October is National Financial Planning Month. With the holidays right around the corner, National Financial Planning Month serves as a great reminder to take a looks at your financial plans and take steps to improve your overall financial health.

Life is busy. At WyHy, we try to make banking as simple as possible for our members. Take a look at all of the ways that you can check banking tasks off of your to-do list from wherever you are.

For many of us, making a budget seems like a daunting and stressful task. However, a budget is an essential component of money management and can help you get a handle on your finances and plan for your future.

Our members are wondering about mortgage rates, costs for getting a home loan, and whether they should wait to buy until rates decrease. Here is what WyHy’s home loan professionals have to say on these topics!

Homeownership is a cornerstone of the American dream, and for good reason -- For most people, their home is their largest investment, and their monthly mortgage payment goes to benefit them in the short and long term by building equity and creating a stable financial portfolio.

We've all heard about the benefits of setting financial goals. They help you stay focused on saving, help keep your finances organized, and are an important part of YOU becoming financially secure. But, we don't hear as much is about how many people never achieve their goals.

Your teen has graduated high school and is off to college in the fall! We're with you with a few important tips to set your teen up for financial success through their college years and beyond!

Equifax – one of the three major U. S. credit reporting agencies – has admitted it sent out inaccurate credit score data on millions of Americans. This happened from mid-March into early April.

Looking for a simpler way to buy a car? As a WyHy member, you have access to AutoSmart, our online vehicle marketplace for an easy car buying experience.

It’s never too early - or too late - to start saving for your future. Or saving for something a short time away like the downpayment on a house, your kid’s college education, or anything else. A great way to grow your money is with a Term Share Certificate at WyHy. That’s certainly a long name for what most people simply call a certificate, but that’s exactly what a Share Certificate is - a certificate account.

Debt consolidation rolls multiple debts, typically high-interest debt such as credit card bills, into a single payment. Debt consolidation might be a good idea as it can help you reduce your total debt and reorganize it so you can pay it off faster.

June 26th marked the 88th anniversary of the Federal Credit Union Act, signed into law by President Franklin D. Roosevelt during the Great Depression on June 26, 1934. The Act was designed to give Americans more access to credit through a community-based approach. 

We've all been there - the unexpected medical bill, the car broke down at the worst possible time, the moment where you wonder, "...how much ramen is TOO much ramen?"

The current Guinness World Record for most credit cards belongs to Zheng Xiangchen who has 1,562 credit cards in his name. If you carefully stacked the cards end to end, they'd reach over the top of a four-story building.

We seem to be hearing a great deal lately about home prices, interest rates, lack of inventory, and the list goes on. The last time that we saw such a rapid increase in mortgage rates was in the early 80s – nearly 40 years ago!

Online banking has made remote banking extremely easy, but there are still times you need the help of an actual banking professional!

We love having you as a WyHy Member and we hope you love being a member! As a member, why not share the value of membership with your family, friends, and your co-workers?

Don't miss out on the smartest checking account around! Did you know that with WyHy's FREE SmartReturns Checking Account you'll earn 3.00% APY* on balances up to $15,000!

At WyHy we believe that membership DOES have its privileges and that these benefits should be offered with the best rates and lowest fees possible.

The WyHy Mobile App and Home Banking are getting an upgrade! Exciting updates are coming to the WyHy digital banking experiences We've reimagined the app and home banking navigation with a cleaner design and a simpler navigation flow that will help you easily accomplish your day-to-day mobile banking needs. 

In the past when you wanted to use your home’s equity you had to choose between the flexibility of a HELOC or the steady payments of a fixed rate Home Equity Loan. Now, you can have both with WyHy’s new Hybrid HELOC.

It’s been several months, but you might remember that we asked for your vote on the look of the redesigned WyHy Debit Card. You certainly let us know!  Well, the wait is over, and the members have spoken!  You wanted to show off the beauty of our great state.

There’s no doubt about it - improving financial health can improve health in general. Questions and concerns around finances, investing, and retirement can cause unwanted stress. Our financial advisors, Evan Kulak & Michael McDermott, can help improve your financial health & wellness.

Whether you’re buying your first home or your tenth, WyHy is thrilled to announce we now have a full array of mortgage products available for every need. Hopefully, you have seen the Home Equity specials that we are currently offering. Great rates, fixed-rate options, and no fees!  

We continue to see members being taken by this type of scam.  We want to let you know how these cons operate so that you might better protect yourself.

Whether you’re preparing your own taxes or handing off your documents to a professional the first step is to collect your tax forms, so you aren’t scrambling once you start the process.

A person's credit history and credit score, play a key role in today’s living. Credit plays a huge part in a variety of things, from the rate you pay on a home and car loans, to the cost of insurance and even if we qualify to rent an apartment or get a job.  So how can you improve your credit if it’s not the most stellar?  

Having your information stolen can be a stressful experience; particularly when the information stolen gives the thief access to your finances.While there are ways to recover from debit card fraud, a good offense is always the best defense.

Home prices around the US have seen rapid increases since 2019. Property values are at their highest since 2005, increasing more than 13% from March 2020 to March 2021. Those prices aren’t only in hot markets — valuations are rising from coast to coast.

There's still time to make financial decisions for 2022 that could make it your best financial year ever. Here are some suggestions for making your dollars go a bit further this year.

There are many reasons why banking at WyHy is the smart choice. Unlike banks that are owned by investors, WyHy is owned by YOU, our members. You are much more than a simple customer, you're a member/owner in the WyHy family. Membership gives you the opportunity to have a say in the way WyHy is run.

No matter if you're just getting started in your career, a seasoned investor, or near or at retirement, WyHy's new wealth management service offers many options for you and your family. To find out more, we invite you to schedule a complimentary chat with our Wealth Management Financial Advisors, Evan Kulak & Michael McDermott.

Your resolutions for 2022 have many worthy goals - from fitness and healthy eating to more "me" time and self-care. One area that many people choose to focus on around the New Year is financial health. And at WyHy, we're here to help you save more money and reach your goal of having a fat and happy savings account.

It's a known fact that a vehicle loses around 20% of its value during the first year you own it. During this same one-year period the loan you got to purchase the vehicle does not always decrease at this same 20% rate.

Just in time for the new year and to take advantage of the 0% Balance Transfer / Cash Advance special!

Gone are the days of receiving a stack paper bills in your mailbox and going through books of checks to pay them. A 2017 study reviewed by Credit Union Times found that more than half of all the bills in America are paid online. And while bills offering the option to opt into payments online may be convenient, we think we can do you one better!

Whether you’re new to WyHy or just ready to make us your primary financial institution, the WyHy Digital app makes it easy to get all of your direct deposits, update recurring payments and more set up with nothing more than a few clicks. 

With exciting advances in modern technology, Digital Wallets have made it easier than ever to pay and be on your way. And WyHy makes it easy to add your card information to your smartphone or smartwatch and checkout with a simple tap of your device!

Convenience and security are not mutually exclusive here at WyHy! We believe that it is possible to both protect your identity and making handling your finances a breeze. Through the Digital Identification verification offered on our WyHy Digital: Mobile Banking platform, you can skip the hassle of answering numerous security questions and get right to managing your account.

You know what they say, “good friends share everything.” And here at WyHy, we believe in the other adage as well, “the more the merrier!” This is why we want YOU to share your credit union with those you know, and you can both reap the benefits. While rewarding our members for spreading the word about WyHy is nothing new, we have made some changes that you’re sure to love.

A message from Bill-  As we head into the traditional season of Thanksgiving, I want to share how deeply I appreciate your membership and ongoing loyalty to WyHy. We value the opportunity to serve you, and hope you feel our We’re with you spirit every time you stop into a branch, contact us by phone, through Online & Mobile Banking, engage with us on social media, or receive an email or text message.