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WyHy Federal Credit Union is a Wyoming-based, member-owned credit union serving state residents since 1953, offering competitive rates on savings, loans, mortgages, and business banking.
Data compiled from public sources
WyHy Federal Credit Union has operated as a not-for-profit financial cooperative in Wyoming since 1953, serving Wyoming residents, professionals, worshippers, and students. As a credit union, it is member-owned rather than customer-based, meaning members participate in governance through voting and electing volunteer leadership. The institution is federally chartered and NCUA-insured, distinguishing it from traditional for-profit banks. In 2025, Forbes ranked WyHy as the #1 Credit Union in Wyoming, recognizing its service quality and member trust.
WyHy offers a comprehensive suite of financial products including savings accounts (Smart Returns Checking at 3.00% APY, FastTrac Savings at 0.30% APY, and Jumbo Term certificates at 3.70% APY), auto loans (rates as low as 4.99% APR for 2023+ vehicles, with recreational vehicle financing up to 9.05% APR), credit cards (Visa Platinum non-reward at 12.40% APY and rewards cards at 13.40% APY), personal loans (rates as low as 11.45% APY), mortgages (30-year fixed at 6.250% APR, 15-year at 5.500% APR), and home equity lines of credit (HELOC at 7.250% APR). The institution also provides business banking services and teen checking accounts.
WyHy distinguishes itself through its cooperative, member-owned structure that prioritizes member benefit over profit extraction. The institution actively promotes financial education through tools like a Security Center, Digital Banking Center, and Monday Messages educational content. Online banking enrollment and digital services are available for convenience. The credit union specifically welcomes all Wyoming residents and actively recruits through referral programs with rewards for successful member recruitment.
A key limitation is that WyHy's membership eligibility appears restricted to Wyoming residents or those with specific professional or religious affiliations with Wyoming organizations, making it unsuitable for out-of-state consumers. While the website highlights rate claims to verify, specific APR ranges for many products show variability depending on credit qualifications and other factors. The institution does not appear to offer traditional unsecured personal lines of credit or payday alternative loans at notably discounted rates compared to broader market options.
This is state-level context for Credit Unions consumers in Cheyenne, WY. It does not confirm that Wyhy or this specific location is licensed.
State regulator
Wyoming Division of Banking
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Wyhy processed 74 mortgage applications in 2023, with 81.1% recorded as approved across 3 states.
74
Applications
81.1%
Approval Rate
$155K
Avg Loan
3
States Served
Based on 74 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
Wyhy offers 12 services including Smart Returns Checking account (3.00% APY), FastTrac Savings accounts (0.30% APY), Jumbo Term Certificates (3.70% APY, 6-month), Secured vehicle loans (from 4.99% APR), Recreational vehicle loans (7.55%-9.05% APR depending on loan amount), and 7 more.
Wyhy has profile signals associated with Wyoming residents seeking member-owned financial institution with democratic governance and profit-sharing benefits, Vehicle buyers in Wyoming looking to refinance or purchase 2023+ model year cars at promotional rates, Wyoming homebuyers seeking personalized mortgage services with rate claims to verify and streamlined processes, Small business owners and entrepreneurs in Wyoming needing business banking accounts and financial resources.
Key strengths: Forbes-ranked #1 Credit Union in Wyoming (2025), indicating strong member satisfaction and service quality; Member-owned cooperative structure means profits benefit members rather than external shareholders; Competitive auto loan rates starting at 4.99% APR for 2023+ model year vehicles with fresh start refinancing options. Areas to consider: Membership eligibility restricted to Wyoming residents, professionals, worshippers, or students with Wyoming affiliations, limiting geographic accessibility; FastTrac Savings account offers only 0.30% APY, significantly below high-yield savings market rates.
In the Credit Unions category, comparable providers include Cheyenne-Laramie County Employees, Cit-Co, Pathfinder. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
WyHy is profiled for Wyoming residents seeking a member-owned financial institution with strong service ratings, competitive auto and mortgage products, and governance participation. The primary caveat is geographic restriction to Wyoming membership eligibility, making it inaccessible to out-of-state consumers despite its otherwise comprehensive product lineup.
Cheyenne-Laramie County Employees FCU is a member-owned federal credit union serving local government employees with savings accounts, loans, and digital banking services.
Profile signals: Cheyenne and Laramie County government employees seeking member-owned institution benefits, Local residents wanting free notary services and payroll-linked banking solutions
Citco Federal Credit Union is a member-owned financial cooperative offering competitive banking services with personalized, hometown service to help members meet financial goals.
Profile signals: Wyoming residents seeking personalized banking relationships with a local credit union, Consumers prioritizing member-owned, not-for-profit financial institutions over traditional banks
Pathfinder Federal Credit Union is a Wyoming-based, member-owned credit union offering checking, savings, loans, credit cards, and IRAs with a focus on personalized service and rate claims to verify.
Profile signals: Wyoming residents seeking local relationship banking with digital convenience, Credit union members already part of an eligible employer or community group
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