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Savings Accounts

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 service our field of membership.

  • 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 of the Member's Credit Union accounts, or to a third party during any statement period.
  • Unlimited access in person or through the ATM.
  • Dividends are figured on the Member's average daily balance and compounded quarterly.
  • Refer to rate sheet for current rates.

Share Accounts

This is a savings account that establishes membership at WyHy. Members gain unlimited access to their account in person and through ATMs.

  • Initial 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 of the Member's Credit Union accounts, or to a third party during any statement period.
  • Dividends are figured on the Member's average daily balance and compounded quarterly.
  • Refer to rate sheet for current rates.

Supplemental Share Accounts

This additional savings account may be added by members after their initial account opening. Members may personalize their account names for additional savings accounts added after their initial account opening.

  • 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 of the Member's Credit Union accounts, or to a third party during any statement period.
  • Unlimited access in person or through the ATM.
  • Dividends are figured on the Member's average daily balance and compounded quarterly.
  • Refer to rate sheet for current rates.

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

Newborn Share Account

  • Ages 0-4
  • Minimum Balance: $5
  • Monthly Service Charge: None
  • WyHy will match initial deposit (up to $50) and place in our SmartSavers account for 15 months (or in any other qualifying certificates). Click here for certificate terms and conditions
  • Dividends are figured on the member's average daily balance and compounded quarterly. Refer to rate sheet for current rates

First Step Account

  • Ages 5-11
  • Savings account
  • WyHy will match initial deposit (up to $50) and place in our SmartSavers account for 15 months (or in any other qualifying certificates). Click here for certificate terms and conditions
  • Deposit match will be deposited at the time of account opening

Jump Start Account

  • Ages 12-15
  • Savings account
  • Shared secured loans optional (qualifying adult co-signer required)
  • Fool Proof - Young Adult Financial Resources
  • WyHy will match initial deposit (up to $50) and place in our SmartSavers account for 15 months (or in any other qualifying certificates). Click here for certificate terms and conditions
  • Deposit match will be deposited at the time of account opening

Mile Stone Account

  • Ages 16-17
  • Savings account
  • Checking account with debit card (qualifying adult co-signer required for ages under 18)
  • Loans up to $5,000 optional (qualifying adult co-signer required)
  • Fool Proof - Young Adult Financial Resources
  • WyHy will match initial deposit (up to $50) and place in our SmartSavers account for 15 months (or in any other qualifying certificates). Click here for certificate terms and conditions
  • Deposit match will be deposited at the time of account opening