Credit union · NCUA insured
Western Vista Federal Credit Union Savings Rates
Western Vista Federal Credit Union’s best savings rate is 0.05% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How Western Vista Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Cheyenne, WY, where Western Vista Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Western Vista Federal Credit Union
0.05%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $5
Rainbow Share
Top rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
2nd-highest rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
Western Vista Federal Credit Union savings score
63
Savings score
Higher than 8% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0002.00%
- QualifiedQualified0.05%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Western Vista Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market
0.05%APY
An average daily balance of $2,500 must be maintained to avoid a monthly service charge of $5. Rates paid monthly. No time frame for maturity. No penalty for early withdrawal.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $15,000An average daily balance of $2,500 must be maintained to avoid a monthly service charge of $5. | 0.05% | $5 | An average daily balance of $2,500 must be maintained to avoid a monthly service charge of $5. |
| $15,000 – $25,000An average daily balance of $2,500 must be maintained to avoid a monthly service charge of $5. | 0.05% | — | An average daily balance of $2,500 must be maintained to avoid a monthly service charge of $5. |
| $25,000 – $75,000An average daily balance of $2,500 must be maintained to avoid a monthly service charge of $5. | 0.10% | — | An average daily balance of $2,500 must be maintained to avoid a monthly service charge of $5. |
| $75,000 – $100,000An average daily balance of $2,500 must be maintained to avoid a monthly service charge of $5. | 0.25% | — | An average daily balance of $2,500 must be maintained to avoid a monthly service charge of $5. |
| $100,000 and upAn average daily balance of $2,500 must be maintained to avoid a monthly service charge of $5. | 2.00% | — | An average daily balance of $2,500 must be maintained to avoid a monthly service charge of $5. |
Liquid Gold Savings
0.05%APY
$100,000 minimum average daily balance to avoid a monthly low balance fee of $15. Dividends paid monthly on average daily balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Monthly fee of $15 applies if average daily balance is under $100,000. | 0.05% | $5 | Monthly fee of $15 applies if average daily balance is under $100,000. |
| $50,000 – $100,000Monthly fee of $15 applies if average daily balance is under $100,000. | 0.10% | — | Monthly fee of $15 applies if average daily balance is under $100,000. |
| $100,000 – $250,000Monthly fee of $15 waived with $100,000 minimum average daily balance. | 0.50% | — | Monthly fee of $15 waived with $100,000 minimum average daily balance. |
| $250,000 and upMonthly fee of $15 waived with $100,000 minimum average daily balance. | 1.75% | — | Monthly fee of $15 waived with $100,000 minimum average daily balance. |
Primary Savings
0.02%APY
Minimum balance of $25 required to maintain credit union membership.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.01% | — |
| $10,000 – $25,000 | 0.02% | $2 |
| $25,000 – $50,000 | 0.03% | — |
| $50,000 and up | 0.05% | — |
Rainbow Share
0.05%APY
$25 minimum monthly deposit required. Dividends paid monthly on average daily balance. Limited withdrawals.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$25 minimum monthly deposit required. Dividends paid monthly on average daily balance. Limited withdrawals.Any balance | 0.05% | $5 | $25 minimum monthly deposit required. Dividends paid monthly on average daily balance. Limited withdrawals. |
Sources (1)
- wvista.com/rates · captured Sep 16, 2026
Special-purpose accounts
Horizon Savings
1.00%APY
Designed for Western Vista members under the age of 18.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.15% | — |
| $2,500 and up | 1.00% | $100 |
Sources (3)
All captured Sep 16, 2026
IRA Savings Account
0.05%APY
A special share savings account that pays high dividends, with flexibility and dividend rates that may rise or fall with the market. Offered across Traditional, Roth, and Education IRAs.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Rainbow IRA Savings
0.05%APY
Available as Rainbow Roth IRA, Rainbow Regular IRA, or Rainbow Educational IRA. $25 minimum monthly deposit required. Dividends paid monthly on average daily balance. Limited withdrawals.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$25 minimum monthly deposit required. Dividends paid monthly on average daily balance. Limited withdrawals.Any balance | 0.05% | $5 | $25 minimum monthly deposit required. Dividends paid monthly on average daily balance. Limited withdrawals. |
Sources (1)
- wvista.com/rates · captured Sep 16, 2026
Who can join Western Vista Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Individuals living outside the general service area can qualify for membership by making a small contribution to Western Vista's charitable foundation.
Where you live or work
- Membership is open to individuals who live, work, or worship in the communities served by Western Vista.
Family and household
- Immediate family members of an existing member are eligible to join.
Cost to join
- New members must make a $25 deposit into a primary savings account to purchase a share in the credit union.
Membership information collected October 4, 2026.