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Western Vista Federal Credit Union

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  • Routing Number: 307086714
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Home / Rates

Rates

From savings and checking accounts, to IRAs and car loans, we’re proud to offer our members some of the most competitive rates around. If you’ve got questions… count on us for the answers! Stop by your nearest branch any time to connect with a friendly and helpful Western Vista team member and get the information you need.

Savings Rates

Primary Savings

BalanceAPY*
$49.99-$499.990.50%
$500-$4,999.990.50%
$5,000-$9,999.990.50%
$10,000+0.50%

Rates subject to change.
* Annual Percentage Yield
Minimum balance of $25 required to maintain credit union membership.

Liquid Gold Savings

BalanceAPY*
<$50,0000.75%
$50,000-$99,9991.00%
$100,000-$249,9991.50%
$250,000+2.00%

Rates subject to change.
$100,000 minimum average daily balance to avoid a monthly low balance fee of $15.
Dividends paid monthly on average daily balance.
*Annual Percentage Yield

Money Market

Balance**APY*
$0-$2,4990.50%
$2,500-$24,9990.75%
$25,000-$49,9991.00%
$50,000-$99,9991.50%
$100,000+2.00%

Rates subject to change.
* Annual Percentage Yield
**An average daily balance of $2,500 must be maintained to avoid a monthly service charge of $5.

Horizon Savings

BalanceAPY*
$0-$2,4991.50%
$2,500+2.00%

Rates subject to change.
* Annual Percentage Yield

Rainbow Savings

AccountAPY*
Rainbow Share1.00%
Rainbow Roth IRA1.00%
Rainbow Regular IRA1.00%
Rainbow Educational IRA1.00%

Rates subject to change.
$25 minimum monthly deposit required.
Dividends paid monthly on average daily balance.
Limited withdrawals.
* Annual Percentage Yield

Checking Rates

Panorama Checking

Average Daily BalanceDividend APY*
$0-15,0003.00%
$15,000.01+0.50%****

*APY (Annual Percent Yield)

**Monthly requirements for dividend pay out:
- Have at least 10 debit card purchases of $5 or more posted in each statement cycle
- Receive e-statements
- Have at least one direct deposit

****Rate corresponds to the rate associated with a primary savings account

Rates subject to change. Dividends paid monthly on average daily balance.

Vista Relationship Checking

TierAverage Daily BalanceAPY*
Tier 1$0-4,999.990.50%
Tier 2$5,000-9,999.990.50%
Tier 3$10,000-24,999.990.50%
Tier 4$25,000-49,999.990.50%
Tier 5$50,000+0.50%

Rates subject to change.
* Annual Percentage Yield

Certificate Rates

Certificate of Deposit

TermBalanceAPY*
6 Mos.$500+3.00%
12 Mos.$500+4.25%
18 Mos.$500+4.30%
24 Mos.$500+3.25%
36 Mos.$500+2.35%
48 Mos.$500+2.45%
60 Mos.$500+2.50%
9 Mos. Special$0.01+4.00%

Rates subject to change.
* Annual Percentage Yield.

IRA Savings

Balance APY*
No Minimum 0.50%

Rates subject to change.
*Annual Percentage Yield

Traditional & ROTH IRA

TermAPY*
6 Mos.3.00%
12 Mos. 4.25%
18 Mos.4.30%
24 Mos.3.25%
36 Mos.2.35%
48 Mos.2.45%
60 Mos. 2.50%
9 Mos. Special4.00%

Rates subject to change.
$500 minimum deposit amount.
* Annual Percentage Yield

Loan Rates

Automobiles

Vehicle YearRate as low asTerm
2020 and Newer 6.60% APR*66 Mos.
2015-20196.75% APR*66 Mos.
2014 and Older8.38% APR*60 Mos.

Rates subject to change.
*Annual Percentage Rate.

Large Recreational Vehicles

Vehicle YearRate as low asTerm
2021 and Newer7.69% APR*60 Mos.
2015-20208.19% APR*60 Mos.
2012-20149.19% APR*60 Mos.

Rates subject to change.
* Annual Percentage Rate

Real Estate Secured

TypeRate as low asTerm
Second Mortgage6.30% APR*60 Mos.
Home Equity Line of Credit7.75% APR*60 Mos.
Land Loans7.75% APR*60 Mos.

Rates subject to change.
* Annual Percentage Rate

Small Recreational Vehicles

Vehicle YearRate as low asTerm
2021 & Newer6.99% APR*48 Mos.
2015-20207.39% APR*48 Mos.

Rates subject to change.
* Annual Percentage Rate

Unsecured

TypeRate as low as
Signature9.99% APR*

Rates subject to change.
* Annual Percentage Rate

Credit Cards

Platinum Black Rewards Credit Card

TypeRate as low as
Visa Platinum Black Rewards12.00% APR*

Rates subject to change.
* Annual Percentage Rate

Platinum
Credit Card

TypeRate as low as
Visa Platinum11.00% APR*

Rates subject to change. * Annual Percentage Rate.

TRUSTED IN WYOMING SINCE 1940

We’re proud to serve our members from three locations in Cheyenne and Casper. Stop by to see us any time; we love the opportunity to catch up with our members!

Contact Us
Western Vista Federal Credit Union
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Our Locations

3207 Sparks Road
Cheyenne, WY 82001
307-634-2197

1215 Storey Blvd.
Cheyenne, WY 82009
307-634-2197

1920 Thomes (Coming Soon)
Cheyenne, WY 82001
307-634-2197

3401 Eagle Drive
Casper, WY 82604
307-234-8194

LOAN PROCESSING OFFICE ONLY
586 Main Street, Suite A
Lander, WY 82520
307-330-9247

1-800-310-2197

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