Uniwyo credit

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UniWyo is a full-service credit union with branches in Cheyenne, Laramie, Casper, Glenrock, Douglas, Cody and including on-campus at the University of Wyoming. UniWyo Credit Union in WY offers a variety of savings accounts like IRAs, HSAs, Money Market accounts, certificates and more. Compare and open and account.An Associate of Arts (A.A.) degree requires at least 60 credits to complete. While some A.A. degrees may require additional credits to finish special requirements, the 60-credit ba...UniWyo Credit Union offers members unique account and loan options including Auto Loans, Mortgages, High-Dividend Checking, Credit Cards and much more. Visit one of our full-service credit union branches in Cheyenne, Laramie, Casper, Glenrock, Douglas, Cody, and on-campus at the University of Wyoming.By setting aside money in advance with a Health Savings Account (HSA) from UniWyo Credit Union, you can make sure medical costs don't turn into a financial back breaker. HSAs designed for individuals and families with high-deductible medical plans. Enjoy a range of tax advantages – contributions are made with pre-tax dollars; annual dividends ...UniWyo Credit Union offers members unique account and loan options including Auto Loans, Mortgages, High-Dividend Checking, Credit Cards and much more. Visit one of our full-service credit union branches in Cheyenne, Laramie, Casper, Glenrock, Douglas, Cody, and on-campus at the University of Wyoming. With Mobile Deposit, you can fast-track funds into your UniWyo account without missing a beat or making an extra stop at a credit union branch. Access in our UniWyo app. Endorse your check as you normally would. Click a photo of the front and back of the check with your mobile device. Follow the simple instruction in our app to finish sending ... UniWyo is a full-service credit union with branches in Cheyenne, Laramie, Casper, Glenrock, Douglas, Cody and including on-campus at the University of Wyoming. At UniWyo Credit Union in WY, we respect your privacy, so you can rest assured that we keep your information safe. Explore our privacy policy online here. UniWyo Credit Union offers members unique account and loan options including Auto Loans, Mortgages, High-Dividend Checking, Credit Cards and much more. Visit one of our full-service credit union branches in Cheyenne, Laramie, Casper, Glenrock, Douglas, Cody, and on-campus at the University of Wyoming.

UniWyo Federal Credit Union headquarters is in Laramie, Wyoming has been serving members since 1953, with 8 branches and 4 ATMs. The Main Office is located at 2020 E Grand Avenue, Laramie, Wyoming 82070. Contact UniWyo at (307) 721-5600. Access UniWyo Federal Login, hours, phone, financials, and additional member resources. © 2024 UniWyo Credit Union • Privacy policy • Federally Insured by NCUA • Equal Housing Lender About UniWyo Federal Credit Union. UniWyo Federal Credit Union was chartered on Jan. 1, 1953. Headquartered in Laramie, WY, it has assets in the amount of $259,718,139. Its …Uniwyo Credit Union Branches. 2 branches found. Showing 1 - 2. Uniwyo - UW Branch 1000 E University Ave Laramie, WY, 82071-2000 Phone Number: 307-721-5650 Full Branch Info | Routing Number | Swift Code. Uniwyo - 2020 Grand Branch 2020 E Grand Ave Laramie, WY, 82070 Phone Number: 307-721-5600December 24-25, 2024. New Years. January 1, 2025. UniWyo is a full-service credit union with branches in Cheyenne, Laramie, Casper, Glenrock, Douglas, Cody and including on-campus at the University of Wyoming. UniWyo Credit Union's Landmark Drive branch in Casper, WY has a knowledgeable team who can help you with home equity loans.UniWyo is a full-service credit union with branches in Cheyenne, Laramie, Casper, Glenrock, Douglas, Cody and including on-campus at the University of Wyoming. You can still have in-person banking even if you're not near a UniWyo Credit Union WY location. Use our Shared Branch Locator and view FAQs to learn more.

1000 E University Avenue Mcwhinnie Hall Laramie, WY 82071-2000. UniWyo Federal Credit Union offers a vast network of ATMs for its members to access their accounts and perform financial transactions on-the-go. Our ATMs are conveniently located at credit union branches, shopping centers, and retail locations across the country.UniWyo Federal Credit Union, at 5249 Yellowstone Road, Cheyenne Wyoming, is more than just a financial institution; UniWyo is a community-driven organization committed to providing members with personalized financial solutions. Founded in 1953, UniWyo has grown alongside the members, offering a range of services designed to meet every need.If you have questions about available scholarships or the application process for the University of Wyoming, please contact the University of Wyoming Financial Aid Office at (307) 766-2116. A letter of Membership Verification from UniWyo Credit Union is required for both our UW scholarships. Please call (866) 486-4996, or stop by any branch to ...Discover all credit union branch locations in Laramie, Wyoming. ... UniWyo Federal Credit Union. Main Office. 2020 E Grand Avenue Laramie, WY 82070; Open Today: 8:00 am - 5:00 pm. Branch Details. UW Campus Branch. 1000 E University Avenue Laramie, WY 82071; Open Today: 10:30 am - 4:30 pm.UniWyo Credit Union, Laramie, Wyoming. 5,878 likes · 175 talking about this · 235 were here. At UniWyo, we put people first - our members, our colleagues, everyone in our communities. UniWyo Credit Union

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At UniWyo, we put people first - our members, our colleagues, everyone in our communities. UniWyo Credit Union | Laramie WY UniWyo Credit Union, Laramie, Wyoming. 5,972 likes · 307 talking about this · 237 were here.Account recovery · UniWyo Credit Union. We need this info to verify your identity. Username. Email. Can't remember this information? New password. Confirm new password.New user enrollment. Social Security number. EIN and ITIN are also accepted. Account number. Email. Phone. Username.UniWyo Credit Union offers members unique account and loan options including Auto Loans, Mortgages, High-Dividend Checking, Credit Cards and much more. Visit one of our full-service credit union branches in Cheyenne, Laramie, Casper, Glenrock, Douglas, Cody, and on-campus at the University of Wyoming. UniWyo Credit Union offers members unique account and loan options including Auto Loans, Mortgages, High-Dividend Checking, Credit Cards and much more. Visit one of our full-service credit union branches in Cheyenne, Laramie, Casper, Glenrock, Douglas, Cody, and on-campus at the University of Wyoming.

UniWyo Credit Union offers members unique account and loan options including Auto Loans, Mortgages, High-Dividend Checking, Credit Cards and much more. Visit one of our full-service credit union branches in Cheyenne, Laramie, Casper, Glenrock, Douglas, Cody, and on-campus at the University of Wyoming.UniWyo Credit Union offers members unique account and loan options including Auto Loans, Mortgages, High-Dividend Checking, Credit Cards and much more. Visit one of our full-service credit union branches in Cheyenne, Laramie, Casper, Glenrock, Douglas, Cody, and on-campus at the University of Wyoming.UniWyo Credit Union offers members unique account and loan options including Auto Loans, Mortgages, High-Dividend Checking, Credit Cards and much more. Visit one of our full-service credit union branches in Cheyenne, Laramie, Casper, Glenrock, Douglas, Cody, and on-campus at the University of Wyoming.UniWyo Credit Union offers members unique account and loan options including Auto Loans, Mortgages, High-Dividend Checking, Credit Cards and much more. Visit ...UniWyo is a full-service credit union with branches in Cheyenne, Laramie, Casper, Glenrock, Douglas, Cody and including on-campus at the University of Wyoming. Members at UniWyo Credit Union in WY save money on loans and earn more on …To get a free annual credit report, visit AnnualCreditReport.com, the centralized website for obtaining consumer credit reports from the three nationwide credit reporting agencies,...Brandon Smith served as CFO for 14 years before moving into the CEO role. After the operational merger with UniWyo Credit Union is complete on August 1, 2023, ...UniWyo Credit Union offers members unique account and loan options including Auto Loans, Mortgages, High-Dividend Checking, Credit Cards and much more. Visit one of our full-service credit union branches in Cheyenne, Laramie, Casper, Glenrock, Douglas, Cody, and on-campus at the University of Wyoming.As a longtime part of the Laramie community and financial supporter of UW since 1953, UniWyo Credit Union is involved with UW in many facets of student success, …UniWyo Credit Union offers members unique account and loan options including Auto Loans, Mortgages, High-Dividend Checking, Credit Cards and much more. Visit one of our full-service credit union branches in Cheyenne, Laramie, Casper, Glenrock, Douglas, Cody, and on-campus at the University of Wyoming.UniWyo Credit Union offers members unique account and loan options including Auto Loans, Mortgages, High-Dividend Checking, Credit Cards and much more. Visit one of our full-service credit union branches in Cheyenne, Laramie, Casper, Glenrock, Douglas, Cody, and on-campus at the University of Wyoming.Please fill out the application below. You will receive a confirmation email that your application was received. If you are selected for an interview, you will receive a phone call from our Human Resources Department. If you have any questions, please call Human Resources at (307) 721-5634. Thank you for considering UniWyo Federal Credit Union ...

Checking. UniWyo Credit Union checking accounts, also referred to as Share Draft Accounts, provide convenient access to your funds through debit cards, physical checks, and ATMs. Contact the credit union at (307) 721-5600. Checking Accounts (Share Draft) - Manage your daily finances with our convenient checking accounts.

UniWyo Credit Union offers members unique account and loan options including Auto Loans, Mortgages, High-Dividend Checking, Credit Cards and much more. Visit one of our full-service credit union branches in Cheyenne, Laramie, Casper, Glenrock, Douglas, Cody, and on-campus at the University of Wyoming. That's where an Individual Retirement Account at UniWyo Credit Union comes in. The earlier you start saving, the more you'll have to work with - and to play with. Choose Traditional IRAs or Roth IRAs. Contribute up to $6,000 a year ($7,000 if over age 50) Earn dividends on deposits. With Traditional IRAs, you may be able to take a tax deduction ... UniWyo Credit Union offers members unique account and loan options including Auto Loans, Mortgages, High-Dividend Checking, Credit Cards and much more. Visit one of our full-service credit union branches in Cheyenne, Laramie, Casper, Glenrock, Douglas, Cody, and on-campus at the University of Wyoming. UniWyo Credit Union offers members unique account and loan options including Auto Loans, Mortgages, High-Dividend Checking, Credit Cards and much more. Visit one of our full-service credit union branches in Cheyenne, Laramie, Casper, Glenrock, Douglas, Cody, and on-campus at the University of Wyoming.About UniWyo Federal Credit Union. UniWyo Federal Credit Union was chartered on Jan. 1, 1953. Headquartered in Laramie, WY, it has assets in the amount of $259,718,139. Its …Ace, UniWyo's virtual assistant is answering the phones and provide 24/7 customer service to get the answers you need any time of day. Call now.Between 1999 and 2001, UniWyo gave more than $1,000,000 in bonus dividends back to its member owners. The credit union's continued growth and success meant it needed more space, so in 2005, UniWyo built and moved into its Reynolds Street Location. Although UniWyo had moved off campus, the credit union retained strong ties to the University.The UniWyo Mobile Banking App is a free mobile decision-support tool that gives you the ability to aggregate all of your UniWyo accounts, including some external institutions, into …Discover all credit union branch locations in Laramie, Wyoming. ... UniWyo Federal Credit Union. Main Office. 2020 E Grand Avenue Laramie, WY 82070; Open Today: 8:00 am - 5:00 pm. Branch Details. UW Campus Branch. 1000 E University Avenue Laramie, WY 82071; Open Today: 10:30 am - 4:30 pm.UniWyo Credit Union offers members unique account and loan options including Auto Loans, Mortgages, High-Dividend Checking, Credit Cards and much more. Visit one of our full-service credit union branches in Cheyenne, Laramie, Casper, Glenrock, Douglas, Cody, and on-campus at the University of Wyoming.

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Apr 21, 2014 ... “I want to thank UniWyo Federal Credit Union for its continued support of the University of Wyoming and Wyoming Athletics,” said UW Director of ...December 24-25, 2024. New Years. January 1, 2025. UniWyo is a full-service credit union with branches in Cheyenne, Laramie, Casper, Glenrock, Douglas, Cody and including on-campus at the University of Wyoming. UniWyo Credit Union's Landmark Drive branch in Casper, WY has a knowledgeable team who can help you with home equity loans.Apply for Credit Cards. UniWyo is a full-service credit union with branches in Cheyenne, Laramie, Casper, Glenrock, Douglas, Cody and including on-campus at the University of Wyoming. You can save time and money when you borrow from UniWyo Credit Union in Wyoming. From auto loans to mortgages, we offer it all. Apply for a loan online. UniWyo Credit Union offers members unique account and loan options including Auto Loans, Mortgages, High-Dividend Checking, Credit Cards and much more. Visit one of our full-service credit union branches in Cheyenne, Laramie, Casper, Glenrock, Douglas, Cody, and on-campus at the University of Wyoming. UniWyo Credit Union offers members unique account and loan options including Auto Loans, Mortgages, High-Dividend Checking, Credit Cards and much more. Visit one of our full-service credit union branches in Cheyenne, Laramie, Casper, Glenrock, Douglas, Cody, and on-campus at the University of Wyoming. Access all your UniWyo accounts 24/7. Check balances and transfer funds. Review recent transactions. Pay bills in a matter of minutes. Make on-time loan payments. Deposit checks with your phone's camera. Set up alerts that notify you about important account activity. Turn your debit card on or off, or even order a new one. UniWyo Credit Union offers members unique account and loan options including Auto Loans, Mortgages, High-Dividend Checking, Credit Cards and much more. Visit one of our full-service credit union branches in Cheyenne, Laramie, Casper, Glenrock, Douglas, Cody, and on-campus at the University of Wyoming. For incoming wires from foreign institutions, please contact UniWyo at [email protected] or (307) 721-5600, for further information. Must have an account with UniWyo to send a wire. The cutoff time for foreign wires is 12:00 pm and domestic wires is 3:00 pm. UniWyo is a full-service credit union with branches in Cheyenne, Laramie, Casper ... Loans for vacation homes and investment properties. One-on-one help from knowledgeable mortgage experts. Mortgage refinance options available. Contact one of our Mortgage Loan Officers today at (307) 721-5678. UniWyo is a full-service credit union with branches in Cheyenne, Laramie, Casper, Glenrock, Douglas, Cody and including on-campus at the ... That's where an Individual Retirement Account at UniWyo Credit Union comes in. The earlier you start saving, the more you'll have to work with - and to play with. Choose Traditional IRAs or Roth IRAs. Contribute up to $6,000 a year ($7,000 if over age 50) Earn dividends on deposits. With Traditional IRAs, you may be able to take a tax deduction ... ….

We will contact your insurance agent to verify that the data on the form is correct. Please call 1-800-523-6404 with questions or for assistance. UniWyo is a full-service credit union with branches in Cheyenne, Laramie, Casper, Glenrock, Douglas, Cody and including on-campus at the University of Wyoming. The three C’s of credit are character, capital and capacity. A person’s credit score is the measure of factors that determine his ability to repay his credit. Character, capital an...PHR Certification December 2014. SHRM-CP January 2015. Leadership Casper graduate May 2016. Credit Union HR Compliance Professional (CUHRCP) August 2018. HR Specialist from May 14,2007 to March 24 ...UniWyo Credit Union offers members unique account and loan options including Auto Loans, Mortgages, High-Dividend Checking, Credit Cards and much more. Visit one of our full-service credit union branches in Cheyenne, Laramie, Casper, Glenrock, Douglas, Cody, and on-campus at the University of Wyoming.UniWyo Credit Union offers members unique account and loan options including Auto Loans, Mortgages, High-Dividend Checking, Credit Cards and much more. Visit one of our full-service credit union branches in Cheyenne, Laramie, Casper, Glenrock, Douglas, Cody, and on-campus at the University of Wyoming.(307) 721-5600. Toll-Free: (866) 486-4996. Fax: (307) 721-5603. Report Phone Problem. Address: UniWyo Federal Credit Union Cheyenne Branch 5249 Yellowstone Road … UniWyo Federal Credit Union headquarters is in Laramie, Wyoming has been serving members since 1953, with 8 branches and 4 ATMs. The Main Office is located at 2020 E Grand Avenue, Laramie, Wyoming 82070. Contact UniWyo at (307) 721-5600. Access UniWyo Federal Login, hours, phone, financials, and additional member resources. Experience: UniWyo Credit Union · Education: CUNA Marketing & Business Development Management School · Location: Laramie · 329 connections on LinkedIn. View Mindy Uitterdyk’s profile on ...If you have questions about available scholarships or the application process for the University of Wyoming, please contact the University of Wyoming Financial Aid Office at (307) 766-2116. A letter of Membership Verification from UniWyo Credit Union is required for both our UW scholarships. Please call (866) 486-4996, or stop by any branch to ... Uniwyo credit, UniWyo Credit Union offers members unique account and loan options including Auto Loans, Mortgages, High-Dividend Checking, Credit Cards and much more. Visit one of our full-service credit union branches in Cheyenne, Laramie, Casper, Glenrock, Douglas, Cody, and on-campus at the University of Wyoming. , Loans for vacation homes and investment properties. One-on-one help from knowledgeable mortgage experts. Mortgage refinance options available. Contact one of our Mortgage Loan Officers today at (307) 721-5678. UniWyo is a full-service credit union with branches in Cheyenne, Laramie, Casper, Glenrock, Douglas, Cody and including on-campus at the ..., Sep 6, 2022 ... We're excited to announce that ZAG won 3 “Standard of Excellence” WebAwards for the UniWyo Credit Union, Lincoln Savings Bank and Purdue Federal ..., UniWyo Credit Union offers members unique account and loan options including Auto Loans, Mortgages, High-Dividend Checking, Credit Cards and much more. Visit one of our full-service credit union branches in Cheyenne, Laramie, Casper, Glenrock, Douglas, Cody, and on-campus at the University of Wyoming., Financial Services. Laramie, Wyoming 254 followers. At UniWyo, we put people first - our members, our colleagues, everyone in our communities. In all we do - even the small. …, UniWyo Credit Union offers members unique account and loan options including Auto Loans, Mortgages, High-Dividend Checking, Credit Cards and much more. Visit one of our full-service credit union branches in Cheyenne, Laramie, Casper, Glenrock, Douglas, Cody, and on-campus at the University of Wyoming., New user enrollment. Social Security number. EIN and ITIN are also accepted. Account number. Email. Phone. Username., UniWyo Credit Union offers members unique account and loan options including Auto Loans, Mortgages, High-Dividend Checking, Credit Cards and much more. Visit one of our full-service credit union branches in Cheyenne, Laramie, Casper, Glenrock, Douglas, Cody, and on-campus at the University of Wyoming., UniWyo Credit Union offers members unique account and loan options including Auto Loans, Mortgages, High-Dividend Checking, Credit Cards and much more. Visit one of our full-service credit union branches in Cheyenne, Laramie, Casper, Glenrock, Douglas, Cody, and on-campus at the University of Wyoming., Discover all credit union branch locations in Laramie, Wyoming. ... UniWyo Federal Credit Union. Main Office. 2020 E Grand Avenue Laramie, WY 82070; Open Today: 8:00 am - 5:00 pm. Branch Details. UW Campus Branch. 1000 E University Avenue Laramie, WY 82071; Open Today: 10:30 am - 4:30 pm., Jan 13, 2015 ... UniWyo Federal Credit Union has announced the purchase of the first two floors of the former Capital West Bank building located at 2020 ..., UniWyo Credit Union offers members unique account and loan options including Auto Loans, Mortgages, High-Dividend Checking, Credit Cards and much more. Visit one of our full-service credit union branches in Cheyenne, Laramie, Casper, Glenrock, Douglas, Cody, and on-campus at the University of Wyoming., Home Equity Lines of Credit (HELOCs) HELOC’s have a variable interest rate based on the Prime Rate and a margin, with a floor of 8.50% APR and maximum ceiling of 18.00% APR*. Easy access to funds by transferring in the UniWyo app or by contacting us, or write checks directly from your HELOC. *The rates for this loan type are based on the ..., Oct 27, 2023 ... City of Laramie Parks a... ... No photo description available. Nuvision Credit Union. Loan Service., As a consumer, monitoring your credit is an important part of managing your finances. Having strong credit has a major impact on your borrowing ability, your professional reputatio..., 1000 E University Avenue Mcwhinnie Hall Laramie, WY 82071-2000. UniWyo Federal Credit Union offers a vast network of ATMs for its members to access their accounts and perform financial transactions on-the-go. Our ATMs are conveniently located at credit union branches, shopping centers, and retail locations across the country., © 2024 UniWyo Credit Union • Privacy policy • Federally Insured by NCUA • Equal Housing Lender , Aug 1, 2023 · UniWyo Credit Union offers members unique account and loan options including Auto Loans, Mortgages, High-Dividend Checking, Credit Cards and much more. Visit one of our full-service credit union branches in Cheyenne, Laramie, Casper, Glenrock, Douglas, Cody, and on-campus at the University of Wyoming. , UniWyo is a full-service credit union with branches in Cheyenne, Laramie, Casper, Glenrock, Douglas, Cody and including on-campus at the University of Wyoming. At UniWyo Credit Union in WY, we respect your privacy, so you can rest assured that we keep your information safe. Explore our privacy policy online here., UniWyo is a full-service credit union with branches in Cheyenne, Laramie, Casper, Glenrock, Douglas, Cody and including on-campus at the University of Wyoming. Members at UniWyo Credit Union in WY save money on loans and earn more on savings with great loan and deposit rates. , UniWyo Credit Union offers members unique account and loan options including Auto Loans, Mortgages, High-Dividend Checking, Credit Cards and much more. Visit one of our full-service credit union branches in Cheyenne, Laramie, Casper, Glenrock, Douglas, Cody, and on-campus at the University of Wyoming., UniWyo Federal Credit Union headquarters is in Laramie, Wyoming has been serving members since 1953, with 8 branches and 4 ATMs. The Main Office is located at 2020 E Grand Avenue, Laramie, Wyoming 82070. Contact UniWyo at (307) 721-5600. Access UniWyo Federal Login, hours, phone, financials, and additional member resources., January 1, 2025. UniWyo is a full-service credit union with branches in Cheyenne, Laramie, Casper, Glenrock, Douglas, Cody and including on-campus at the University of Wyoming. The UniWyo Credit Union branch located at 5249 Yellowstone Road in Cheyenne, WY offers a convenient drive-thru that's open Monday to Saturday. Visit us. , UniWyo Credit Union offers members unique account and loan options including Auto Loans, Mortgages, High-Dividend Checking, Credit Cards and much more. Visit one of our full-service credit union branches in Cheyenne, Laramie, Casper, Glenrock, Douglas, Cody, and on-campus at the University of Wyoming., UniWyo Credit Union offers members unique account and loan options including Auto Loans, Mortgages, High-Dividend Checking, Credit Cards and much more. Visit one of our full-service credit union branches in Cheyenne, Laramie, Casper, Glenrock, Douglas, Cody, and on-campus at the University of Wyoming., Loans for vacation homes and investment properties. One-on-one help from knowledgeable mortgage experts. Mortgage refinance options available. Contact one of our Mortgage Loan Officers today at (307) 721-5678. UniWyo is a full-service credit union with branches in Cheyenne, Laramie, Casper, Glenrock, Douglas, Cody and including on-campus at the ..., The UniWyo Mobile Banking App is a free mobile decision-support tool that gives you the ability to aggregate all of your UniWyo accounts, including some external institutions, into …, UniWyo Credit Union offers members unique account and loan options including Auto Loans, Mortgages, High-Dividend Checking, Credit Cards and much more. Visit one of our full-service credit union branches in Cheyenne, Laramie, Casper, Glenrock, Douglas, Cody, and on-campus at the University of Wyoming., Oct 27, 2023 ... City of Laramie Parks a... ... No photo description available. Nuvision Credit Union. Loan Service., UniWyo is a full-service credit union with branches in Cheyenne, Laramie, Casper, Glenrock, Douglas, Cody and including on-campus at the University of Wyoming. UniWyo Credit Union has put together some frequently asked questions we hear repeatedly from other members. Get the answers you need from our FAQs page. , Wyoming made 459 free throws during the 2018-19 season, allowing us to make a $4,590 donation to Climb Wyoming. The Cowboys made 567 free throws during the 2017-18 season, prompting us to donate $5,670 to Make-A-Wish® Wyoming. UniWyo is a full-service credit union with branches in Cheyenne, Laramie, Casper, Glenrock, Douglas, …, With Mobile Deposit, you can fast-track funds into your UniWyo account without missing a beat or making an extra stop at a credit union branch. Access in our UniWyo app. Endorse your check as you normally would. Click a photo of the front and back of the check with your mobile device. Follow the simple instruction in our app to finish sending ..., UniWyo is a full-service credit union with branches in Cheyenne, Laramie, Casper, Glenrock, Douglas, Cody and including on-campus at the University of Wyoming. Manage your money whenever and wherever life takes you. UniWyo Credit Union has various branches throughout Wyoming. Find us throughout Wyoming to open an account or apply for a loan.