Account Disclosure Rate Supplement and Schedule of Fees and Charges

EFFECTIVE July 30, 2010

$5.00 minimum balance to open and maintain account. Initial deposit of $10.00 required for membership with $5.00 being retained by WyHy Federal Credit Union as a membership fee.

REGULAR SHARE/SAVINGS
*Dividends paid quarterly on the average daily balance. Rate and Annual Percentage Yield are subject to change after account is opened. Dividend Rate APY% Compound Frequency Minimum Deposit
0.250% 0.250% Quarterly $5.00
 
IRA ACCOUNTS
Must have a balance of $50 to open, there is no minimum balance to obtain the disclosed APY. Dividends are compounded and paid quarterly. Dividend Rate APY% Compound Frequency Minimum Deposit
0.449% 0.500% Quarterly $50.00
 
HEALTH SAVINGS ACCOUNTS
There is no minimum to open, there is no minimum balance to obtain the disclosed APY. Dividends are compounded and paid quarterly. Dividend Rate APY% Compound Frequency Minimum Deposit
0.499% 0.500% Quarterly $0.00
 
MONEY MARKET
Traditional Money Market Accounts are 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 an maintain the account and to obtain the disclosed APY. Dividends calculated daily, compounded and paid monthly. Dividend Rate APY% Compound Frequency Minimum Deposit
0.250% 0.250% Monthly $0.01
0.349% 0.350% Monthly $2,500.01
0.399% 0.400% Monthly $10,000.01
0.648% 0.650% Monthly $25,000.01
0.896% 0.900% Monthly $50,000.01
1.144% 1.150% Monthly $100,000.01
 
INTEREST SHARE DRAFT
Interest Share Draft Accounts are variable rate accounts and the rate and APY are subject to change after account is opened. To obtain the disclosed APY you must maintain a balance of $2,500, and have both direct deposit and a Credit Union issued debit card. Dividends calculated daily, compounded and paid monthly. Dividend Rate APY% Compound Frequency Minimum Deposit
0.000% 0.000% Monthly $0.01
0.100% 0.100% Monthly $2,500.00
0.250% 0.250% Monthly $10,000.00
0.499% 0.500% Monthly $25,000.00
0.747% 0.750% Monthly $50,000.00
0.995% 1.000% Monthly $100,000.00
 

Certificate Rates

SMART SAVERS 15 MONTH TERM SHARE CERTIFICATE
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 Funds may be withdrawn without penalty when the balance reaches $500 at any time during the initial or renewal term when invested in a regular Term Share Certificate with WyHy.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.
$0-$500 $500-$2,499 $2,500-$9,999 $10,000-$24,999 $25,000-$49,999 Over $50,000
RateAPY RateAPY RateAPY RateAPY RateAPY RateAPY
0.648% 0.650% 0.798% 0.800% 0.897% 0.900% 0.996% 1.000% 1.095% 1.100% 1.244% 1.250%
REGULAR CERTIFICATES
  $500-$2,499 $2,500-$9,999 $10,000-$24,999 $25,000-$49,999 Over $50,000
RateAPY RateAPY RateAPY RateAPY RateAPY
3 months 0.350% 0.350% 0.449% 0.450% 0.549% 0.550% 0.648% 0.650% 0.798% 0.800%
6 months 0.449% 0.450% 0.549% 0.550% 0.648% 0.650% 0.748% 0.750% 0.897% 0.900%
12 months 0.798% 0.800% 0.897% 0.900% 0.996% 1.000% 1.095% 1.100% 1.244% 1.250%
14 months 1.046% 1.050% 1.145% 1.150% 1.244% 1.250% 1.343% 1.350% 1.492% 1.500%
18 months 0.996% 1.000% 1.095% 1.100% 1.195% 1.200% 1.294% 1.300% 1.442% 1.450%
24 months 1.343% 1.350% 1.442% 1.450% 1.541% 1.550% 1.640% 1.650% 1.788% 1.800%
30 months 1.393% 1.400% 1.492% 1.500% 1.590% 1.600% 1.689% 1.700% 1.837% 1.850%
36 months 1.442% 1.450% 1.541% 1.550% 1.640% 1.650% 1.739% 1.750% 1.887% 1.900%
60 months 2.133% 2.150% 2.231% 2.250% 2.330% 2.350% 2.428% 2.450% 2.575% 2.600%
IRA CERTIFICATES
  $500-$2,499 $2,500-$9,999 $10,000-$24,999 $25,000-$49,999 Over $50,000
  RateAPY RateAPY RateAPY RateAPY RateAPY
3 months 0.350% 0.350% 0.449% 0.450% 0.549% 0.550% 0.648% 0.650% 0.798% 0.800%
6 months 0.449% 0.450% 0.549% 0.550% 0.648% 0.650% 0.748% 0.750% 0.897% 0.900%
12 months 0.798% 0.800% 0.897% 0.900% 0.996% 1.000% 1.095% 1.100% 1.244% 1.250%
18 months 0.996% 1.000% 1.095% 1.100% 1.195% 1.200% 1.294% 1.300% 1.442% 1.450%
24 months 1.343% 1.350% 1.442% 1.450% 1.541% 1.550% 1.640% 1.650% 1.788% 1.800%
30 months 1.393% 1.400% 1.492% 1.500% 1.590% 1.600% 1.689% 1.700% 1.837% 1.850%
36 months 1.442% 1.450% 1.541% 1.550% 1.640% 1.650% 1.739% 1.750% 1.887% 1.900%
60 months 2.133% 2.150% 2.231% 2.250% 2.330% 2.350% 2.428% 2.450% 2.575% 2.600%

This supplement is incorporated into, becomes a part of and should be attached to Your Agreements and Disclosures.

For the purposes of this disclosure, this is a rate and APY as of the last dividend declaration date of ________________. These Dividend Rate(s) and Annual Percentage Yield(s) shown above may change at any time as determined by our Board of Directors.

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. A withdrawal will reduce earnings. IRA funds may also be transferred to a certificate.

**14 month step-up is excluded as an IRA product. All deposited funds earn the rate for the tier that is commensurate with the balance as of the end of the previous dividend declaration date.


Close President's Letter to Members
WyHy Federal Credit Union

Urgent message from the CEO President's Letter to Members

Revised: June 8th, 2010

Dear WyHy Federal Credit Union Members,

WyHy continues to put you, our owner and your interest's first! We are asking for both your help and request your support for your credit union!

As a WyHy owner, you have a right to know how governmental changes can affect your everyday routine. The Senate has recently passed an amendment to the financial reform bill that will have a significant impact on how you use your debit card. WyHy does not support this legislation, and we would like to explain why.

We do not believe the federal government should decide how much it should cost for stores to accept debit cards, especially if it will force financial institutions to raise the rates on these cards for customers. We also disagree with the amendment because it will give retailers the ability to set minimum and maximum payment amounts, and to discriminate between cards, charging more for one than another. We don't want you to be forced to carry cash, just to avoid being stranded at the register if you can't use your card. We don't want you to have to carry several cards, just to avoid paying more to use one versus another.

Please speak out against this amendment becoming law before it is too late. This is a simple process that should only take a couple of minutes to complete. Please click here to send a letter or email to your Member of Congress. This is time sensitive, make your voice heard.


Sincerely,


William Willingham, III
President/CEO