UniWyo Federal Credit Union

What UniWyo Federal Credit Union does

UniWyo Federal Credit Union is a federally chartered, not-for-profit cooperative credit union headquartered in Laramie, Wyoming, serving more than 60,000 members across the state through six branch locations (Laramie, Casper x2, Cheyenne, Cody, Douglas, Glenrock), digital banking channels, and partner networks. The credit union was founded in the 1950s by nine University of Wyoming employees and operates under a defined field of membership tied to UW students/faculty/staff, Wyoming state government workers, military personnel, and employees of affiliated businesses.

The institution delivers a full-service retail and small-business banking platform, including checking (High-Dividend Checking earning up to 3.00% APY, Dividend, Simple, Basic, and Business), savings (Primary, Share Certificates up to 3.50% APY, Money Market, High-Dividend Money Market, IRAs, HSAs), youth sub-brands (WyoWrangler, WyoCash), and a loan portfolio spanning auto, mortgage, home equity/HELOC, Visa credit card, personal, student (via Student Choice), and commercial lending (via Centennial Lending). The underlying technology stack is a third-party digital banking platform extended through a native iOS/Android mobile app, online banking at go.uniwyo.com, digital-wallet integrations (Apple Pay, Google Pay, Samsung Pay), and embedded partners such as SavvyMoney for credit monitoring and Money Manager for personal financial management.

Revenue is generated primarily through net interest income on the loan/deposit spread, supplemented by transactional fees (overdraft, wire, ATM, safe deposit box, skip-a-pay) and partner referral commissions on loan protection, accidental death insurance (Franklin Madison), and estate planning services (Legal Karma). UniWyo's growth posture is reflected in the April 2024 acquisition of Reliant Federal Credit Union, ongoing partnership-led product extension, and a June 2026 restructuring that closed the UW Campus Branch in favor of digital channels.

Name

UniWyo Federal Credit Union

Legal name

UniWyo Federal Credit Union

Website

https://uniwyo.com

Company type

Private

Founded year

1950

Operating status

Operating

Headcount range

101–250 employees

Short description

UniWyo Federal Credit Union is a federally chartered, not-for-profit credit union in Wyoming serving 60,000+ members via six branches and digital banking, offering deposits, consumer and commercial loans, mortgages, and partner-sourced insurance and estate planning services.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (522130)

SIC

Savings Institution, Federally Chartered (6035)

akta.pro primary industry

Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

akta.pro secondary industries

Employer/Occupational Credit Unions (FSABAEAB), Military & Veterans Credit Unions (FSABAEAI)

Keywords

• Credit union services
• Consumer lending products
• Deposit account services
• Retail banking solutions
• Mortgage and auto loans

Headquarters

HQ city

Laramie

HQ country

United States

HQ region

North America

Offices7 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain

Revenue model

1. Net Interest Income: Primary revenue source from spread between interest earned on loans (auto, mortgage, home equity, personal, student, business) and interest paid on deposits (checking, savings, money market, share certificates, IRAs)
2. Account and Service Fees: Various monthly and per-transaction fees including overdraft/NSF fees ($28), wire transfer fees ($35 domestic, $75 international), paper statement fees ($1), dormant account fees ($30), and minimum balance fees
3. Loan Protection Products: GAP insurance ($599 one-time), Mechanical Breakdown Protection, Collateral Protection Insurance, and Debt Protection products offered in conjunction with auto loans
4. Insurance Products: Accidental Death Insurance products offered through Franklin Madison Insurance partnership, earning referral commissions from insurance sales
5. Estate Planning Services: Wills and trusts preparation services through Legal Karma partnership, with fees of $299 individual / $349 couple for wills and $699 single / $899 couple for trusts

Pricing tiers

Go-to-market motion2 records

Distribution channels11 records

Marketing channels7 records

Core offering

UniWyo Federal Credit Union is a federally chartered, not-for-profit member-owned financial cooperative that provides full-service retail banking, consumer lending, mortgages, business banking, and deposit products to its members across Wyoming. Its core offerings include checking and savings accounts, share certificates, IRAs, HSAs, auto loans, home equity loans and HELOCs, mortgages, personal loans, student loans, credit cards, and digital banking services delivered through six physical branches and a mobile/online platform.

Product overview

UniWyo Federal Credit Union operates as a full-service financial institution offering a comprehensive suite of banking products organized into checking accounts (High-Dividend Checking, Dividend Checking, Simple Checking, Basic Checking, Business Checking), savings accounts (Primary Savings, Share Certificates, Money Market Accounts, High-Dividend Money Market, IRAs, HSAs, and Youth Accounts including WyoWrangler and WyoCash), and loan products (Auto Loans, Visa Credit Cards, Home Equity Loans/Lines of Credit, Mortgage Loans, Business/Commercial Loans, Personal Loans, and Student Loans). Digital banking services are provided through Online Banking, Mobile Banking (iOS/Android apps), Digital Wallet (Apple Pay, Google Pay, Samsung Pay), Mobile Deposit, Bill Pay, eStatements, Balance Alerts, and Money Manager financial planning tools. Additional services include ACH/Wire Transfers, Direct Deposit with Early Pay, Foreign Currency Exchange, Safe Deposit Boxes, Notary Services, Skip A Payment, and insurance/protection products (GAP, Mechanical Breakdown, Debt Protection, Accidental Death Insurance). Estate planning is available through Legal Karma wills and trusts. The credit union serves Wyoming members across branches in Casper, Cheyenne, Cody, Douglas, Glenrock, and Laramie, with NCUA insurance backing deposits up to $250,000.

Differentiator

Problem solved

Functional benefit

Brands

• WyoWrangler Savings Accounts: Savings accounts for children from birth to age 10 featuring Cowboy Bucks rewards for deposits and birthday matches.
• WyoCash Savings Accounts

Products and services

• High-Dividend Checking Premium interest-bearing checking account that pays up to 3.00% APY on balances up to $15,000 when members meet qualifications including 10+ debit card transactions averaging $5 or more, direct deposit, e-statements, and a $5,000 aggregate balance. Targets consumers seeking higher returns on liquid deposits.
• Dividend Checking Tiered-rate interest checking account paying 0.20%-0.35% APY with a $500 minimum to earn dividends, including a $5 monthly fee when the balance falls below $500. Designed for individual consumers seeking modest dividend income on checking balances.
• Simple Checking Account Fee-free consumer checking account with no minimum balance, unlimited check writing, and free digital banking including online banking, bill pay, mobile deposit, and a Visa debit card.
• Basic Checking Foundational checking account with no monthly fee and no minimum balance, aimed at members rebuilding credit or wanting a simple, low-cost account. Includes limited online banking features and free Visa debit card and cashier's checks.
• Business Checking Account Commercial checking account for small business owners that earns 0.25% APY on balances of $1,000 or more, with a $10 monthly fee when the balance falls below $1,000. Includes Money Manager integration and separates business banking from personal accounts.
• Primary Savings Account Foundational share savings account requiring a $5 minimum opening deposit that establishes credit union membership, pays 0.25% APY, has no monthly maintenance fee, and is NCUA-insured up to $250,000.
• Share Certificates Term deposit accounts offering fixed dividend rates from 3.30% APY (6-month) to 3.50% APY (5-year) on a $100 minimum deposit, with terms ranging from 6 months to 5 years. Youth and military members receive a 0.50% APY bonus.
• Money Market Account Tiered-rate savings account paying up to 1.00% APY with a $1,000 minimum opening deposit, no locked term, and access to funds via checks or digital banking. A $5 monthly fee applies when the balance falls below $1,000.
• High-Dividend Money Market Account Premium money market account requiring a $100,000 minimum opening deposit with tiered dividend rates reaching up to 2.75% APY on balances of $250,000 or more, no monthly fee, and no locked-in investment term.
• Individual Retirement Account (IRA) Tax-advantaged retirement savings accounts offered as Traditional, Roth, Coverdell, or SEP IRAs, paying 0.50% APY with a $100 minimum deposit, an annual contribution limit of $7,000 ($8,000 for age 50+), and NCUA insurance up to $250,000.
• Health Savings Account (HSA) Triple tax-advantaged medical savings account for individuals and families enrolled in high-deductible health plans, featuring pre-tax contributions, tax-free dividends, and tax-free qualified medical expense withdrawals.
• WyoWrangler and WyoCash Youth Savings Accounts Youth savings products: WyoWrangler for ages 0-10 with Cowboy Bucks deposit rewards and birthday matches, and WyoCash for ages 11-18 with grade rewards and birthday matches. Youth members receive a 0.50% APY bonus on Share Certificates.
• Auto Loans Vehicle financing for cars, trucks, SUVs, RVs, ATVs, and boats at rates as low as 5.29% APR, with optional Guaranteed Asset Protection (GAP), Mechanical Breakdown Protection, and Debt Protection coverages. Military members receive an additional 0.25% APR discount.
• UniWyo Visa Credit Card No-annual-fee Visa credit card with rates as low as 10.74% APR, 24/7 fraud protection, Visa Zero Liability protection, optional debt protection, and digital wallet compatibility. A share-secured version is available for credit-building.
• Home Equity Loans and Lines of Credit (HELOC) Fixed-rate second mortgage home equity loans starting at 6.74% APR plus variable-rate HELOCs with a 6.75% APR floor and 18.00% ceiling, accessible via mobile banking or checks and based on the Prime Rate plus a margin.
• Mortgage Loans Residential mortgage products including FHA loans, VA loans, conventional mortgages, vacation home loans, investment property loans, construction loans, and refinance options delivered through a dedicated mortgage loan officer with one-on-one guidance.
• Business and Commercial Loans Commercial lending products delivered through the Centennial Lending partnership, offering term loans, lines of credit, commercial real estate financing, construction loans, and equipment financing for business expansion, acquisition, and working capital.
• Personal Loans Unsecured personal loans for debt consolidation, home improvements, and major purchases with rates starting at 10.04% APR, plus a Personal Line of Credit (12.29% APR), a Share Secured Loan (3.00% APR above share dividend rate), and a Credit Builder Loan (12.00% APR).
• Student Loans Private student loan products for undergraduate and graduate students, plus student loan refinance options, delivered through the Student Choice partnership with flexible repayment plans and affordable rates.
• GAP, Mechanical Breakdown Protection, and Debt Protection Auto loan add-on protection products: Guaranteed Asset Protection (GAP) covers the difference between insurance settlement and loan balance at a one-time $599 fee, Mechanical Breakdown Protection provides extended warranty coverage including roadside assistance, and Debt Protection suspends loan payments in cases of death, disability, or involuntary unemployment.
• Accidental Death Insurance Insurance product provided through the Franklin Madison Insurance partnership giving UniWyo members $1,000 of free accidental death coverage, with optional Family Plan coverage up to $300,000 additional.
• Wills and Trusts (Legal Karma) Online estate planning service through the Legal Karma partnership offering wills at $299 per individual or $349 per couple and living trusts at $699 single or $899 couple, with mobile-friendly completion in 30-45 minutes and free updates within six months.
• Safe Deposit Boxes and Notary Services Branch-based secure storage in eight sizes priced from $20 to $75 per year (with drilling and key replacement fees), and free signature witnessing notary services available at all UniWyo branches.
• Wire Transfers and Foreign Currency Exchange Domestic and international wire transfer service (free incoming, $35 outgoing domestic, $75 international) and foreign currency exchange offering hundreds of currencies with major currencies available next business day at fair-market rates.

Quantifiable outcome

• Earn up to 3.00% APY on High-Dividend Checking account balances up to $15,000 with qualifying activities
• +4 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature5 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Centennial LendingcoreChannel Partner/ Reseller/ DistributorCentennial Lending serves as UniWyo's commercial lending partner, providing business loans, commercial real estate financing, construction loans, and equipment leasing. They work directly with business customers to structure loan packages meeting specific business needs, offering term loans and lines of credit for expansion, acquisition, and working capital.
• Franklin Madison InsurancecoreChannel Partner/ Reseller/ DistributorFranklin Madison Insurance provides insurance products to UniWyo members including Accidental Death & Dismemberment coverage, auto protection products, and other insurance offerings. They have served credit union members for over 80 years. Members receive $1,000 free AD&D coverage and can purchase additional coverage up to $300,000.
• Legal KarmacoreImplementation/ SI/ Consulting PartnerLegal Karma provides online estate planning services including wills and living trusts to UniWyo members and non-members. Wills are $299 for individuals or $349 for couples. Trusts are $699 for single or $899 for couples. Process is mobile-friendly and takes 30-45 minutes. Free updates within first 6 months.
• Student ChoicecoreChannel Partner/ Reseller/ DistributorStudent Choice provides private student loan products for undergraduate and graduate students, offering flexible repayment plans and affordable rates. Also offers student loan refinance options. Accessible through studentchoice.org UniWyo-specific application portal.
• CO-OP Financial ServicescoreChannel Partner/ Reseller/ DistributorCO-OP Financial Services provides shared branching and ATM network access, allowing UniWyo members to conduct transactions at thousands of credit union branches and ATMs nationwide. This extends in-person banking access beyond Wyoming to all CO-OP network locations.
• Wyoming Auto Dealers (Dealer Partners)minorChannel Partner/ Reseller/ DistributorNetwork of vehicle dealer partners throughout Wyoming enabling one-stop auto financing. Dealers offer new and used vehicles including cars, trucks, SUVs, RVs, ATVs, and boats with integrated UniWyo financing at point of sale.
• SavvyMoneycoreTechnology or IntegrationSavvyMoney provides free credit score monitoring, daily score updates, full credit reports, and Score Simulator tool integrated directly into UniWyo's online and mobile banking platforms. Service is free to members with no impact on credit score for checking.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• WyHy Federal Credit Union: WyHy is a Wyoming-based community credit union headquartered in Cheyenne with full consumer and commercial banking offerings across southern Wyoming, making it the closest geographic and product-market competitor to UniWyo.
• Altana Federal Credit Union: Altana FCU is a Wyoming-headquartered community credit union serving northern Wyoming with consumer lending, deposits, and commercial services, operating a comparable member-owned model to UniWyo.
• Meridian Trust Federal Credit Union: Meridian Trust is a federally chartered Wyoming-based credit union serving communities and employer groups, with a consumer and business product mix that overlaps directly with UniWyo's checking, savings, mortgage, and commercial offerings.
• First Education Federal Credit Union: First Education FCU is a Wyoming-based community credit union focused on education employees and community members, with deposit, lending, and digital banking products structurally similar to UniWyo.
• UW Credit Union (Wisconsin): UW Credit Union is a university-affiliated community credit union in Wisconsin delivering full consumer and business banking, directly comparable to UniWyo's employer-and-university-anchored field of membership and product suite.

Emerging players

• SchoolsFirst Federal Credit Union: SchoolsFirst FCU is a large employer-affiliated credit union serving education community members with checking, savings, lending, and digital banking. It operates a similar employer-anchored cooperative model, scaled to a much larger membership base than UniWyo.

Broad incumbents

• BECU: BECU is a large community credit union in the Pacific Northwest serving broad employer and community membership groups with full consumer, mortgage, and business banking, providing a scaled benchmark for operating model and digital maturity.
• Patelco Credit Union: Patelco is a large California-based community credit union offering consumer deposits, lending, digital banking, and wealth products, comparable as a benchmark for product breadth and digital platform expectations within a member-owned structure.

Regional players

• Jonah Bank of Wyoming: Jonah Bank is a Wyoming community bank headquartered in Casper offering consumer, mortgage, and business lending, competing for overlapping Wyoming deposit and small-business customers despite its for-profit charter.
• Equitable Federal Credit Union: Equitable FCU is a Wyoming-based community credit union with personal banking, lending, and digital services, competing for a similar Wyoming consumer base as UniWyo.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/uniwyofcu
• YouTubeyoutube.com/channel/UCoi2SxGZTd0PqKOQVWy-Yfw/featured
• Facebookfacebook.com/UniWyo
• Instagraminstagram.com/uniwyo
• TikToktiktok.com/@uniwyo.credit.union

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about UniWyo Federal Credit Union