Last Updated: 04/18/2025
UniWyo Credit Union SEP IRA
Unaffiliated
in Savings Accounts from UniWyo Credit Union
Last Updated: 04/18/2025
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Highlights
APY (Annual Percentage Yield)
0.50%(Verified 06/21/2024)
Minimum Opening Deposit
$100
Minimum Balance to Earn APY
$100
UniWyo Credit Union SEP IRA Review
UniWyo Credit Union SEP IRA is offered by UniWyo Credit Union, a credit union founded in 1953 and based in Laramie, WY. UniWyo Credit Union SEP IRA are available in 50 states and Washington, DC.
Key Takeaways
- Higher than average APY. UniWyo Credit Union SEP IRA has an annual percentage yield of up to 0.50%, which is higher than the average interest rate for savings accounts. Note that you must keep a minimum balance of $100.00 to earn that interest rate.
- Waivable monthly maintenance fee. Need to maintain a minimum balance of $100.00 to avoid service fee
- $100.00 minimum opening deposit. This is a typical minimum initial deposit.
UniWyo Credit Union SEP IRA Pros & Cons
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UniWyo Credit Union SEP IRA FAQ
Are savings accounts from UniWyo Credit Union federally insured?
Yes, your savings 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.
Does UniWyo Credit Union offer a signup bonus?
UniWyo Credit Union SEP IRA doesn't offer a signup bonus.
What is the minimum initial deposit for UniWyo Credit Union SEP IRA?
The minimum deposit to open a UniWyo Credit Union SEP IRA is $100.00.| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $100.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $100.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $100.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Required Balance | $100.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What APY does UniWyo Credit Union SEP IRA offer?
UniWyo Credit Union SEP IRA offers an APY of 0.50% (APY stands for annual percentage yield, rates may change).
The interest rate on a savings account or checking account can change based, in part, on what the Federal Reserve does. Note that the APY of a savings account is the amount of interest you will earn if you keep your money in the account for a full year expressed as a percentage. The difference between an APY and an interest rate is that the APY takes into account how often your money earns interest (or compounds). The more often your money compounds, the more it will earn. Savings accounts with an interest rate that compounds daily, for example, will earn a higher return (and therefore a higher APY) than savings accounts that compound annually. What fees does UniWyo Credit Union SEP IRA charge?
This account charges a monthly service fee of $5.00. However, you can waive the monthly fees if you have a minimum daily balance of $100.00.
- Outgoing domestic bank transfers come with a $35.00 fee.
- Outgoing international bank transfers come with a $75.00 fee. You can save a ton of money in fees if you use use a nonbank money transfer service.
- An overdraft on your account will trigger a $28.00 fee per item.
- UniWyo Credit Union SEP IRA charges $1.00 every time you request a paper statement.
Does UniWyo Credit Union SEP IRA charge overdraft fees?
Yes, UniWyo Credit Union SEP IRA charges a $28.00 overdraft fee.What features and perks does UniWyo Credit Union SEP IRA offer?
This savings account includes the following features:
- Mobile Banking Services - UniWyo Credit Union SEP IRA allows you to manage your money online or with a mobile app.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
Can you set up a direct deposit to UniWyo Credit Union SEP IRA?
Yes, you can typically set up a direct deposit to this account. However, it depends on the direct deposit program your employer uses. Most direct deposit programs allow you to send your paycheck to a savings or checking account. In some cases, you can even split your paycheck between the two.
What is the customer support email for UniWyo Credit Union SEP IRA?
The customer support email for UniWyo Credit Union SEP IRA 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