WyHy Federal Credit Union - Share, Trust & Youth Savings

Co-op, noun — a business or organization that is owned and operated by the people who work there or the people who use its services

Initial Membership Co-op Share Account

As a not-for-profit financial cooperative, WyHy is owned by its members. And as with any thriving cooperative, the membership shares play a role in helping to maintain and grow the organization. So your initial share establishes your membership with WyHy. Click here to learn more about WyHy, as well as what it means to be a member and the benefits you receive.

Initial Membership Share Deposit Required: $10 ($5 is retained by WyHy as a membership fee and $5 remains a share par value in the account to maintain your active membership. This amount will show up in your balance, but is not an available balance for usage.)
Minimum Balance: $5
Monthly Service Charge: None
This account can be used as an overdraft protection tool and the transfer would count towards your six (6) pre-authorized transfers that are allowed per month
Allowed up to six (6) pre-authorized, automatic, online banking, telephone transfers or withdrawals to another Credit Union account, or to a third party during any statement period
Dividends are figured on the member's average daily balance and compounded quarterly

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Additional Share Accounts

Additional savings accounts may be added after a member's initial share savings account is opened and can be personalized for a variety needs.

Minimum Balance: $0
Monthly Service Charge: None
This account can be used as an overdraft protection tool and the transfer would count towards your six (6) pre-authorized transfers that are allowed per month
Allowed up to six (6) pre-authorized, automatic, online banking, telephone transfers or withdrawals to another Credit Union account, or to a third party during any statement period
Unlimited access in-person or through an ATM
Dividends are figured on the member's average daily balance and compounded quarterly

Organizational Accounts

WyHy members may open accounts for their clubs and organizations, including those for- and not-for-profits. At least one member of the organization must fall within our field of membership requirements.

Minimum Balance to Open: $10
Minimum Balance: $5
Monthly Service Charge: $10 if balance falls below $500
Allowed up to six (6) pre-authorized, automatic, online banking, telephone transfers or withdraws to another Credit Union account, or to a third party during any statement period
Unlimited access in-person or through an ATM
Dividends are figured on the member's average daily balance and compounded quarterly

Revocable Trust Accounts

This account is for members with a shared account, and is intended for those members with a trust set-up. The trust agreement controls the nature of the assets. Living trusts are often used because they may allow assets to be passed to a beneficiary without going through the process of probate.

Capable of being changed, amended or terminated
Opening Fee: $10.00
Withdraws/Transfers: Unlimited
Checking, Debit Cards, Direct Deposit and CD's available with a trust account
This account does not allow for loans

Whether you're a mom or dad, grandma or grandpa — or any caring adult looking out for a special child, we can help you help them get started on the right financial path with the following savings account options based on their age and stage in life.

Youth Savings Account

Ages 0-17
Only a $5 minimum balance + $5 membership fee to open an account ($10 total);
Open a 15-Month SmartSaver Certificate and WyHy will match up to $50 on the initial deposit. Click here for certificate terms and conditions;
Deposit match will be deposited at the time of account opening;
Dividends are figured on the member's average daily balance and compounded quarterly;
Checking account with debit card starting at age 14 (qualifying adult co-signer required)

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Independence Teen Account

Managing your own finances isn't kid stuff. WyHy knows teens are ready to take on the responsibility. The Independence Account gives teens access to digital banking, a free Visa Debit Card, convenient access to nationwide ATMs, and more.

No parent/legal guardian required to be on the account
Designed for high school students
No minimum balance requirements
No monthly maintenance fees
Unlimited access to Online and Mobile Banking
Online Bill Pay

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Savings Accounts