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Rates

EFFECTIVE August 25, 2017

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

Regular Share/Savings
Dividend Rate APY* Compound Frequency Minimum Deposit
0.050% 0.05% Quarterly $5.00
Dividends paid quarterly on the average daily balance. Rate and Annual Percentage Yield are subject to change after account is opened.
IRA Accounts
Dividend Rate APY* Compound Frequency Minimum Deposit
0.200% 0.20% Quarterly $50.00
Must have a balance of $50 to open, there is no minimum balance to obtain the disclosed APY*. Dividends are compounded and paid quarterly.
Health Savings Accounts
Dividend Rate APY* Compound Frequency Minimum Deposit
0.050% 0.05% Quarterly $0.00
There is no minimum to open, there is no minimum balance to obtain the disclosed APY*. Dividends are compounded and paid quarterly.
Money Market
Dividend Rate APY* Compound Frequency Balance
0.050% 0.05% Monthly $0.01
0.100% 0.10% Monthly $2,500.01
0.150% 0.15% Monthly $10,000.01
0.250% 0.25% Monthly $25,000.01
0.300% 0.30% Monthly $50,000.01
0.549% 0.55% Monthly $100,000.01
0.648% 0.65% Monthly $250,000.00+
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.
SmartReturns Checking Account
Dividend Rate APY* Compound Frequency Balance
3.928% 4.00% Monthly $0.01-$15,000.00
0.250% 0.25% Monthly $15,000.01+
Non-Qualifying Accounts
0.050% 0.05% Monthly $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. 4.00% 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 Share Certificate
Balance Dividend Rate APY*
$0-$499 0.250% 0.25%
$500-$2,499 0.499% 0.50%
$2,500-$9,999 0.499% 0.50%
$10,000-$24,999 0.449% 0.50%
$25,000-$49,999 0.549% 0.55%
Over $50,000 0.549% 0.55%
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.
Term Share Certificates ($500-$24,999)
  $500-$9,999 $10,000-$24,999
Term Rate APY*¹ Rate APY*¹
3 months 0.150% 0.15% 0.200% 0.20%
6 months 0.250% 0.25% 0.300% 0.30%
12 months 0.549% 0.55% 0.599% 0.60%
**14 months 0.599% 0.60% 0.648% 0.65%
18 months 0.748% 0.75% 0.798% 0.80%
24 months 0.798% 0.80% 0.847% 0.85%
24 months SP 1.046% 1.05% 1.095% 1.10%
25 Month Special 1.85% APY for $15,000+***
30 months 0.897% 0.90% 0.947% 0.95%
30 months SP 1.145% 1.15% 1.195% 1.20%
36 months 0.947% 0.95% 0.996% 1.00%
36 months SP 1.195% 1.20% 1.244% 1.25%
60 months 1.640% 1.65% 1.689% 1.70%
60 months SP 1.887% 1.90% 1.936% 1.95%

**14 month is excluded as an IRA product. ***SmartPoints cannot be used on the 25 Month Term Share Certificate Special. The 25 Month Term Share Certificate Special will automatically roll into the regular 30 Month Term Share Certificate at time of maturity. SmartPoints can then be used to increase the APY. Minimum deposit in the 25 Month Term Special is $15,000.

Term Share Certificates ($25,000-$50,000+)
  $25,000-$49,999 $50,000+
Term Rate APY*¹ Rate APY*¹
3 months 0.200% 0.20% 0.200% 0.20%
6 months 0.300% 0.30% 0.300% 0.30%
12 months 0.599% 0.60% 0.599% 0.60%
**14 months 0.648% 0.65% 0.648% 0.65%
18 months 0.798% 0.80% 0.798% 0.80%
24 months 0.847% 0.85% 0.847% 0.85%
24 months SP 1.095% 1.10% 1.095% 1.10%
25 Month Special 1.85% APY for $15,000+***
30 months 0.947% 0.95% 0.947% 0.95%
30 months SP 1.195% 1.20% 1.195% 1.20%
36 months 0.996% 1.00% 0.996% 1.00%
36 months SP 1.244% 1.25% 1.244% 1.25%
60 months 1.689% 1.70% 1.689% 1.70%
60 months SP 1.936% 1.95% 1.936% 1.95%
**14 month is excluded as an IRA product. ***SmartPoints cannot be used on the 25 Month Term Share Certificate Special. The 25 Month Term Share Certificate Special will automatically roll into the regular 30 Month Term Share Certificate at time of maturity. SmartPoints can then be used to increase the APY.
IRA Certificates ($500-$24,999)
  $500-$2,499 $2,500-$9,999 $10,000-$24,999
Term Rate APY*¹ Rate APY*¹ Rate APY*¹
3 months 0.150% 0.15% 0.150% 0.15% 0.200% 0.20%
6 months 0.250% 0.25% 0.250% 0.25% 0.300% 0.30%
12 months 0.549% 0.55% 0.549% 0.55% 0.599% 0.60%
18 months 0.748% 0.75% 0.748% 0.75% 0.798% 0.80%
24 months 0.798% 0.80% 0.798% 0.80% 0.847% 0.85%
24 months SP 1.046% 1.05% 1.046% 1.05% 1.095% 1.10%
30 months 0.897% 0.90% 0.897% 0.90% 0.947% 0.95%
30 months SP 1.145% 1.15% 1.145% 1.15% 1.195% 1.20%
36 months 0.947% 0.95% 0.947% 0.95% 0.996% 1.00%
36 months SP 1.195% 1.20% 1.195% 1.20% 1.244% 1.25%
60 months 1.640% 1.65% 1.640% 1.65% 1.689% 1.70%
60 months SP 1.887% 1.90% 1.887% 1.90% 1.936% 1.95%
IRA Certificates ($25,000-$50,000+)
  $25,000-$49,999 Over $50,000
Term Rate APY*¹ Rate APY*¹
3 months 0.200% 0.20% 0.200% 0.20%
6 months 0.300% 0.30% 0.300% 0.30%
12 months 0.599% 0.60% 0.599% 0.60%
18 months 0.798% 0.80% 0.798% 0.80%
24 months 0.847% 0.85% 0.847% 0.85%
24 months SP 1.095% 1.10% 1.095% 1.10%
30 months 0.947% 0.95% 0.947% 0.95%
30 months SP 1.195% 1.20% 1.195% 1.20%
36 months 0.996% 1.00% 0.996% 1.00%
36 months SP 1.244% 1.25% 1.244% 1.25%
60 months 1.689% 1.70% 1.689% 1.70%
60 months SP 1.936% 1.95% 1.936% 1.95%

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.

¹ Term Share Certificate and IRA Certificates "as high as" rates based on increase of 0.25% APY when used with available balance from member's 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 current SmartPoints available balance and if you have enough SmartPoints to increase your Term Share Certificate or IRA Certificate rate by 0.25% APY.

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. Fees could reduce the earnings on the account. IRA funds may also be transferred to a Certificate.