$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 |
| 0.250% |
0.250% |
Monthly |
$2,500.01 |
| 0.349% |
0.350% |
Monthly |
$10,000.01 |
| 0.549% |
0.550% |
Monthly |
$25,000.01 |
| 0.747% |
0.750% |
Monthly |
$50,000.01 |
| 0.946% |
0.950% |
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 |
| 0.200% |
0.200% |
Monthly |
$10,000.00 |
| 0.399% |
0.400% |
Monthly |
$25,000.00 |
| 0.598% |
0.600% |
Monthly |
$50,000.00 |
| 0.797% |
0.800% |
Monthly |
$100,000.00 |
| |
|---|
|
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 |
| Rate | APY |
Rate | APY |
Rate | APY |
Rate | APY |
Rate | APY |
Rate | APY |
| 0.648% |
0.650% |
0.798% |
0.800% |
0.798% |
0.800% |
0.897% |
0.900% |
0.897% |
0.900% |
0.897% |
0.900% |
|
REGULAR CERTIFICATES
|
| |
$500-$2,499 |
$2,500-$9,999 |
$10,000-$24,999 |
$25,000-$49,999 |
Over $50,000 |
| Rate | APY |
Rate | APY |
Rate | APY |
Rate | APY |
Rate | APY |
| 3 months |
0.350% |
0.350% |
0.350% |
0.350% |
0.449% |
0.450% |
0.449% |
0.450% |
0.449% |
0.450% |
| 6 months |
0.449% |
0.450% |
0.449% |
0.450% |
0.549% |
0.550% |
0.549% |
0.550% |
0.549% |
0.550% |
| 12 months |
0.798% |
0.800% |
0.798% |
0.800% |
0.897% |
0.900% |
0.897% |
0.900% |
0.897% |
0.900% |
| 14 months |
1.046% |
1.050% |
1.046% |
1.050% |
1.145% |
1.150% |
1.145% |
1.150% |
1.145% |
1.150% |
| 18 months |
0.996% |
1.000% |
0.996% |
1.000% |
1.095% |
1.100% |
1.095% |
1.100% |
1.095% |
1.100% |
| 24 months |
1.343% |
1.350% |
1.343% |
1.350% |
1.442% |
1.450% |
1.442% |
1.450% |
1.442% |
1.450% |
| 30 months |
1.393% |
1.400% |
1.393% |
1.400% |
1.492% |
1.500% |
1.492% |
1.500% |
1.492% |
1.500% |
| 36 months |
1.442% |
1.450% |
1.442% |
1.450% |
1.541% |
1.550% |
1.541% |
1.550% |
1.541% |
1.550% |
| 60 months |
2.133% |
2.150% |
2.133% |
2.150% |
2.231% |
2.250% |
2.231% |
2.250% |
2.231% |
2.250% |
|
IRA CERTIFICATES
|
| |
$500-$2,499 |
$2,500-$9,999 |
$10,000-$24,999 |
$25,000-$49,999 |
Over $50,000 |
| |
Rate | APY |
Rate | APY |
Rate | APY |
Rate | APY |
Rate | APY |
| 3 months |
0.350% |
0.350% |
0.350% |
0.350% |
0.449% |
0.450% |
0.449% |
0.450% |
0.449% |
0.450% |
| 6 months |
0.449% |
0.450% |
0.449% |
0.450% |
0.549% |
0.550% |
0.549% |
0.550% |
0.549% |
0.550% |
| 12 months |
0.798% |
0.800% |
0.798% |
0.800% |
0.897% |
0.900% |
0.897% |
0.900% |
0.897% |
0.900% |
| 18 months |
0.996% |
1.000% |
0.996% |
1.000% |
1.095% |
1.100% |
1.095% |
1.100% |
1.095% |
1.100% |
| 24 months |
1.343% |
1.350% |
1.343% |
1.350% |
1.442% |
1.450% |
1.442% |
1.450% |
1.442% |
1.450% |
| 30 months |
1.393% |
1.400% |
1.393% |
1.400% |
1.492% |
1.500% |
1.492% |
1.500% |
1.492% |
1.500% |
| 36 months |
1.442% |
1.450% |
1.442% |
1.450% |
1.541% |
1.550% |
1.541% |
1.550% |
1.541% |
1.550% |
| 60 months |
2.133% |
2.150% |
2.133% |
2.150% |
2.231% |
2.250% |
2.231% |
2.250% |
2.231% |
2.250% |
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.
