Last Updated: 01/21/2026
UniWyo Credit Union Dividend Checking Account
Unaffiliated
in Checking Accounts from UniWyo Credit Union
Last Updated: 01/21/2026
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Highlights
Welcome Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.20% - 0.35%(Verified 06/21/2024)
Monthly Service Fee
$5(Verified 01/21/2026)
UniWyo Credit Union Dividend Checking Account Review
The UniWyo Credit Union Dividend Checking Account is offered by UniWyo Credit Union, a credit union founded in 1953 and based in Laramie, WY. UniWyo Credit Union Dividend Checking Account is available in 50 states and Washington, DC.
Key Takeaways
- Higher than average APY. UniWyo Credit Union Dividend Checking Account has an annual percentage yield of up to 0.35% (depending on balance), which is higher than the national average interest rate on savings accounts. Note that you must keep a minimum balance of $500.00.
- Waivable monthly maintenance fee. Need to maintain a minimum balance of $500.00 to avoid service fee
- $500.00 minimum opening deposit. This is a typical minimum initial deposit.
- No ATM fees. UniWyo Credit Union Dividend Checking Account does not charge fees on ATM transactions within its network but there is a fee of $2.00 for out-of-network ATM transactions .
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in UniWyo Credit Union mobile or online banking.
UniWyo Credit Union Dividend Checking Account Pros & Cons
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UniWyo Credit Union Dividend Checking Account FAQ
Are checking accounts from UniWyo Credit Union federally insured?
Yes, your checking accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
What APY does UniWyo Credit Union Dividend Checking Account offer?
UniWyo Credit Union Dividend Checking Account offers an APY starting at 0.20% and ranging up to 0.35% (APY stands for annual percentage yield, rates may change). However, to earn interest, you must keep an average beginning day balance of at least $500.00.
| Rates | Amount |
| APY (Annual Percentage Yield) | 0.20% - 0.35% |
What are the account minimums for UniWyo Credit Union Dividend Checking Account?
UniWyo Credit Union Dividend Checking Account requires a minimum initial deposit of $500.00.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $500.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $500.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $500.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does UniWyo Credit Union Dividend Checking Account charge?
This account charges a monthly maintenance fee each statement cycle of $5.00.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $5.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $1.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | $2.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $28.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $28.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $10.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Copy | $5.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 1.0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $35.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $75.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposited Check | $10.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does UniWyo Credit Union Dividend Checking Account charge overdraft fees?
Yes, UniWyo Credit Union Dividend Checking Account charges a $28.00 fee for every overdraft.What features and perks does UniWyo Credit Union Dividend Checking Account offer?
This account includes the following features:
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - UniWyo Credit Union Dividend Checking Account allows you to manage your money online or with a mobile app. This includes depositing checks1 in your account with a mobile app on your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
What is the customer support email for UniWyo Credit Union Dividend Checking Account?
The customer support email for UniWyo Credit Union Dividend Checking Account is contact.us@uniwyo.com.
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Hours of Operation
Sunday
Closed
Monday
8:00AM - 5:00PM
Tuesday
8:00AM - 5:00PM
Wednesday
8:00AM - 5:00PM
Thursday
8:00AM - 5:00PM
Friday
9:00AM - 1:00PM
Saturday
Closed