• Online Banking
  • ATM Locator
    Click here for WyHy ATMs
    Find an ATM Near You
    Lookup by City and State
    or Zip Code
  • Shared Branching
    Click here for WyHy Branches
    Find a Branch Near You
    Select a State
  • Ask a Question
    Ask a Question
    WyHy Knowledge Base
  • Smart Search
    Search Website Content
  • Smart Chat
  • Smart Points
  • View Rates

Home Equity Line of Credit

  • Available to Members who own property in the State of Wyoming.
  • Loan to Value: Up to 100%
  • Draw Period: 60 months
  • Repayment Terms: Interest only for up to 120 months based on credit score, then borrower must pay loan off in full, or refinance.
  • Interest Rates: Variable rate tied to the prime rate published in the Wall Street Journal. Initial rate will be based on the borrower's credit score and loan to value.
  • Closing Fee: None
  • Early Payoff Penalty: None
  • Interest: Simple interest based on a 365 daily accrual.
  • Monthly Payment: Payments may be made in person, through the mail, auto deduction, payroll deduction, online banking or telephone banking.
  • To apply for a loan Click Here.
  • Please reference Important Terms for more information on loan qualifications and examples. All loans subject to final credit approval. Consult your tax advisor concerning the deductibility of interest. **APR - Annual Percentage Rate.
  • LTV - Loan to Value.
    Rates are subject to change. Rates and maximum loan terms are dependent on credit qualifications. Rates listed are the lowest available. Home Equity or real estate secured loans are limited to properties located in the State of Wyoming. Your actual rate is based on previous credit performance. Lowest rate shown is for well-qualified borrowers and includes automatic payment discount.

Close President's Letter to Members
WyHy Federal Credit Union

Striving to be your
lifetime financial partner

2nd Quarter 2011

Dear WyHy Federal Credit Union Members,

In a challenged economy, many people are looking for ways to cut costs and free up funds. The usual saving suspects come to mind: clipping coupons, shopping consignment stores, postponing large purchases, maybe refinancing a higher-rate mortgage. So - would you be willing to make a total change in your lifestyle for your saving's sake?

We've helped hundreds of members make lifestyle changes, and we've identified ways to minimize debt and save money even in this tough economy. Our Financial Life Coaches are trained to look at each member's total financial picture and identify opportunities to simply "make over" their finances which include cutting costs and building savings. Whether it's total reconstruction or simple cosmetic changes, a WyHy Financial Life Coach will sit down with you one-on-one to review your entire financial picture-at no cost.

The bottom line is that we here at WyHy are passionate about helping our members look for ways to cut costs and free up money to systematically save for a brighter future. As a matter of fact, WyHy set out in 2011 to save our membership one million dollars, and we not only met, but, surpassed this goal in less than five months! WyHy has impacted hundreds of members by identifying opportunities to minimize debt and save money.

There is no better time than NOW to reap the rewards of low interest rates and begin your savings plan or better your savings plan; it will give you the financial freedom to obtain your goals in life.

Call us today for your free consultation at 800-442-2392 or come by and say hi. We always enjoy seeing our members' faces!


Sincerely,


William Willingham, III
President/CEO