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Rates

EFFECTIVE October 1, 2020

Initial deposit of $10.00 required for membership with $5.00 being retained by WyHy as a membership fee.

FastTrac, Regular Savings & IRA Savings
Type Dividend Rate APY*³ To Open To Earn Dividend
Regular & IRA Savings 0.050% 0.05% $5 $5
FastTrac up to $10,000³ 0.499% 0.50% $5 Up to $10,000
FastTrac $10,000.01+³ 0.050% 0.05% $5 Above $10,000

Dividends paid quarterly on the average daily balance. Rate and Annual Percentage Yield are subject to change after account is opened. ³FastTrac Savings Account is a tiered rate account, the rate and the APY* are subject to change after the account is opened. The minimum balance to open this account is $0.01 with a maximum of $10,000.00. Member must also have eStatements in order to qualify. Dividends are paid quarterly on the average daily balance.

MAX & Regular Money Markets
Type Dividend Rate APY* To Open To Earn Dividend
MAX
Up to $99,999.99
0.050% 0.05% $100,000 $0.01
MAX
$100,000.00 to 249,999.99
0.499% 0.50% $100,000 $100,000
MAX
$250,000.00 or more
0.698% 0.70% $100,000 $250,000
Regular
Up to $9,999.99
0.050% 0.05% $2,500 $0.01
Regular
$10,000.00 to $49,999.99
0.100% 0.10% $2,500 $10,000
Regular
$50,000.00 to $99,999.99
0.250% 0.25% $2,500 $25,000
Regular
$100,000.00 to $249,999.99
0.399% 0.40% $2,500 $100,000
Regular
$250,000.00 or more
0.549% 0.55% $2,500 $250,000

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 and maintain the account and to obtain the disclosed APY*. Dividends calculated daily, compounded and paid monthly. If balance drops below the required minimum balance the fee will impact overall earnings. *MAX Money Market Accounts are a tiered variable rate account, the rate and APY* are subject to change after account is opened. Funds must be new money to the Credit Union, not transferred from an existing WyHy account, and have a minimum balance of $100,000.00 to open and maintain the account and to obtain the disclosed APY*. Dividends calculated daily, compounded and paid monthly.

SmartReturns Checking Account
Type Dividend Rate APY* To Open To Earn Dividend
Qualifying Accounts
Up to $15,000.00
2.960% 3.00% $25 $0.01
Qualifying Accounts
$15,000.01 +
0.250% 0.25% $25 $15,000
Non-qualifying Accounts 0.050% 0.05% $25 $0.01

SmartReturns Checking Accounts are 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. 3.00% APY* is valid on balances up to $15,000. In order to earn interest at the disclosed rate and be eligible to receive unlimited ATM fees reimbursement (ATM transaction fees must be less than $4.99 per transaction to be reimbursed), 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 one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. If you do not meet the qualifications for a qualification cycle your APY will be 0.05% for that period. You will not be reimbursed for any accrued but unreimbursed ATM fees at the time You close Your Account. Dividends are calculated on the average daily balance, compounded and paid monthly.

SmartSavers 15-Month Term Certificate***
Balance Interest Rate APY* To Open To Earn Dividend
All Balances 0.549% 0.55% $10 $0.01

Additional deposits can be made to this certificate during the term. Funds may be withdrawn without penalty when the balance reaches $500.00 at any time for this certificate type.

30-Month "You're in Control!" Term Certificate***
Balance Interest Rate APY* To Open To Earn Dividend
All Balances 1.095% 1.10% $500 $500

The rate can be increased one time during the term of the CD to then current rate for this same term.

Term Certificates & IRA Term Certificates***
Term Interest Rate APY* To Open To Earn Dividend
6 to 11 Months 0.250% 0.25% $500 $500
12 to 17 Months 0.549% 0.55% $500 $500
18 to 23 Months 0.599% 0.60% $500 $500
24 to 35 Months 0.748% 0.75% $500 $500
36 to 47 Months 0.847% 0.85% $500 $500
48 to 60 Months 1.095% 1.10% $500 $500
"Highway" Term Certificates & "Highway" IRA Term Certificates***
Term Interest Rate APY* To Open To Earn Dividend
6 to 11 Months 0.300% 0.30% $50,000 $50,000
12 to 17 Months 0.599% 0.60% $50,000 $50,000
18 to 23 Months 0.648% 0.65% $50,000 $50,000
24 to 35 Months 0.798% 0.80% $50,000 $50,000
36 to 47 Months 0.897% 0.90% $50,000 $50,000
48 to 60 Months 1.145% 1.15% $50,000 $50,000

* Variable rate, Quarterly Paid Dividend/Interest; ** Variable rate, Monthly Paid Interest; *** Fixed rate for term, Quarterly Paid Interest. ^ APY = Annual Percentage Yield; APY assumes that all principal and dividends/interest paid remain in the account for the year.

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

*APY = Annual Percentage Yield. For the purposes of this disclosure, this is a rate and APY as of the last dividend declaration date. These Dividend Rate(s) and Annual Percentage Yield(s) shown above may change at any time as determined by our Board of Directors. Accounts can be opened via working with the Call Center or within the branches. Federally Insured by NCUA.

¹ For Term Share Certificates and IRA Certificates you can increase the rates .025% APY when used with available balance from SmartPoints accumulation. Click here to learn more about the SmartPoints program and check your monthly statements or contact the credit union to learn of your SmartPoints available balance and if you have enough SmartPoints to increase your Term Share Certificate or IRA Certificate rate.

² Some restrictions and fees may apply. The rate increase (bump) feature may be used one (1) time at any time during the term of the You're In Control Share Certificate. SmartPoints can be redeemed at the time of opening the Certificate or at the time the Certificate renews. The increased rate (bump) will equate to the current WyHy 30-month Certificate term rate, with an additional 0.25% rate increase. A one (1) time partial withdrawal is allowed during the term of the Certificate with the member only being penalized (feed) on the amount of the partial withdrawal at that time. Certificate automatically renews at the 30-month term at the current 30-month Certificate rate, as well as allowing the member to utilize the rate increase (bump) and partial withdrawal feature over the next 30-month term. Existing 30-Month Term Share (or IRA) Certificates will remain in their current product and then will renew to the You're In Control Share (or IRA) Certificate. Click here to read more. Contact the Credit Union for complete details. Federally Insured by NCUA.

A penalty may be imposed for early withdrawal. Dividends are paid quarterly and at renewal or maturity. 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. Fees could reduce the earnings on the account. IRA funds may also be transferred to a Certificate.