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Savings Accounts

From rainy day savings, to helping the future of tomorrow understand the importance of starting on the right path to financial success — We're with you and your family.

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

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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

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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

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Whether your 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.

All Youth Savings Accounts come with the following:

  • Only a $5 minimum balance to open an account
  • WyHy will match initial deposit (up to $50) and place in a SmartSaver Certificate 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
  • Dividends are figured on the member's average daily balance and compounded quarterly

Newborn Savings Account

  • Ages 0-4

First Step Savings Account

  • Ages 5-11

Jump Start Savings Account

Milestone Account

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