Best Banks and Credit Unions in Wyoming
Vikram Singh

1. Blue Federal Credit Union
Savings APY: 0.30% API with zero minimum balance
CD APY: 0.05% with a minimum balance of $25 or higher
Monthly Fees: No monthly service fee on checking accounts
How many branches are in the State? Blue Federal Credit Union has 8 branches in Wyoming.
Featured Product Offerings: Savings & checking accounts, online banking, mobile app, lending solutions, and insurance
Pros:
- High-interest rates on some accounts
- Online banking facility available
- No monthly service fee
- Easy and hassle-free to become a member
Cons
- Must maintain a particular minimum balance to earn high-interest rates
- Interest rates compound monthly, not daily
Blue Federal Credit Union is a Colorado-based credit union, with 8 branches in Wyoming. Additionally, it has numerous shared branches across the country; though you cannot open an account there. It has 70+ years of combined experience offering banking, insurance, and financial advisory services.
It offers tiered membership rewards, such as higher interest rates, credit card benefits, or waived domestic wire transfer fees. The credit union is insured by the NCUA. For added convenience, the credit union provides online banking and live customer service 24/7.
To become a member of the Blue Federal Credit Union, you can donate to the Blue Foundation and open a Blue FCU Membership Share Savings account. The minimum account opening balance is $10 of which $5 is donated to the foundation.

2. Meridian Trust Federal Credit Union
Savings APY: 0.05% API with a $100 minimum balance to earn APY
CD APY: 1.00% with a minimum balance of $500, 6 months term
Monthly Fees: No monthly service fee on savings accounts except the initial membership fee
How many branches are in the State? Meridian Trust Federal Credit Union has 10 branches in Wyoming.
Featured Product Offerings: Savings & checking accounts, loans, online banking, mobile app, insurance, wealth management, and fraud prevention
Pros:
- Comparatively high APY on savings accounts and CD
- Online banking and mobile apps are available
- A wide range of banking solutions
Cons
- Branches are mostly located only in Wyoming
Meridian Trust Federal Credit Union has 65+ years of experience, serving Wyoming and neighboring regions with comprehensive banking solutions. They have $671 million in assets. The credit union has a broad range of personal banking solutions as well as for businesses.
In addition to checking and saving accounts, they provide lending solutions, wealth management, lines of credit, insurance, and fraud prevention. The interest rates on savings and CDs are comparatively high, and there is no monthly fee as well. They also have a mobile app and provide an online banking facility for added convenience.

3. UniWyo Federal Credit Union
Savings APY: 0.25% API for Share Savings Account
CD APY: 4.00%, 6 months term
Monthly Fees: A monthly fee of $30 is charged on accounts with no activity for one year
How many branches are in the State? UniWyo Federal Credit Union has 3 branches in Wyoming.
Featured Product Offerings: Savings & checking accounts, exclusive certificate accounts, loans, online banking, mobile app, insurance, and online bill pay
Pros:
- A broad range of banking solutions
- High APY on certificate deposits
- Online banking and mobile apps are available
- Online bill pay and wire transfers
Cons
- Only three branches in Wyoming
UniWyo Federal Credit Union is the third-largest credit union in Wyoming. It is headquartered in Laramie, serving the community since 1953. It offers unique loan and bank account options, including Xtraordinary Checking, auto loans, mortgages, credit cards, etc.
Across all three locations in Wyoming, you will get full-service offerings. The savings accounts have a small deposit amount requirement of $5. The interest rates on checking accounts and CDs are relatively higher, ensuring good returns. Except for inactive accounts, there are no monthly fees as well.

4. WyHy Federal Credit Union
Savings APY: 0.05% API with $5 minimum balance to earn dividend
CD APY: 0.20%, 6-11 months term with a minimum balance of $500 to earn dividend
Monthly Fees: No monthly fee
How many branches are in the State? WyHy Federal Credit Union has 6 branches in Wyoming.
Featured Product Offerings: Savings & checking accounts, exclusive certificate accounts, loans, online banking, mobile app, insurance, and online bill pay
Pros:
- A broad range of banking solutions
- High APY on certificate deposits
- Youth savings account
- Comprehensive eBanking solutions available
Cons
- Low APYs for savings accounts and CD
WyHy Federal Credit Union was established in 1953, serving the Wyoming community with end-to-end banking solutions. Today, the credit union has a presence in over 6 locations in Wyoming, along with more than 5,600 branch locations nationwide through CO-OP Shared Branching. It is headquartered in Cheyenne, Wyoming.
The credit union has $300 million in assets. It offers several high-earning savings account options, including youth savings. Personal banking also includes wealth management and insurance. Other banking solutions including checking accounts, credit cards, and insurance. Additionally, WyHy Federal Credit Union also provides eBanking solutions.

5. Trona Valley Community Federal Credit Union
Savings APY: 0.10% API for traditional savings accounts
CD APY: 1.51%, 3- month term with a minimum balance of $200 to earn dividend
Monthly Fees: No monthly fee
How many branches are in the State? Trona Valley Community Federal Credit Union has 4 branches in Wyoming
Featured Product Offerings: Savings & checking accounts, lending solutions, digital banking services, mobile apps, and insurance.
Pros:
- High-yielding checking account
- Financial counseling services are available
- Comprehensive digital banking solutions
Cons
- Limited bank branches in Wyoming
Trona Valley Community Federal Credit Union is headquartered in Green River, Wyoming. It is a member-owned financial institution that provides banking and financial services to meet the unique needs of its members. It is a merger of two federal credit unions, which came into existence in 1989. Today, it has over $320 million in assets.
The financial institution does not charge any monthly fee on most accounts. It offers a broad spectrum of products and services, designed specifically to help the members become financially successful. Dedicated digital banking solutions make banking more convenient for its members.

6. Western Vista Federal Credit Union
Savings APY: 0.50% API with minimum balance up to $499.99
CD APY: 1.75%, 6- month term with a minimum balance of $500 to earn dividend
Monthly Fees: No monthly fee on the basic savings account
How many branches are in the State? Trona Valley Community Federal Credit Union has 3 branches in Wyoming
Featured Product Offerings: Savings accounts, checking accounts, loans, insurance, and digital banking services
Pros:
- Higher APYs on checking and CDs, ranging between 3% to 4%
- Member savings accounts get one of the highest interest rates in the market
- Comprehensive banking solutions, including insurance, wealth management, and credit cards
Cons
- Limited bank branches in Wyoming
Western Vista Federal Credit Union has been serving 3 locations in Casper and Cheyenne since 1940. It is established with the goal to foster a sense of financial success. The credit union provides a wide selection of banking products and financial services.
Dedicated mobile banking enables logging in from any device to check your account balance, pay bills, or find an ATM. Get a broad range of loan options, including auto, personal, and house loans.