What are the current interest rates at Cheyenne Laramie County Employees FCU?

Current rates for Cheyenne Laramie County Employees FCU include: 12-Month CD: 2.25%, 18-Month CD: 2.31%, 24-Month CD: 2.36%, 60-Month CD: 2.50%, MMA: 0.50%

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Cheyenne Laramie County Employees FCU

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Cheyenne Laramie County Employees FCU Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Cheyenne Laramie County Employees FCU provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Cheyenne Laramie County Employees FCU's top rates as of October 12, 2026 are 2.50% APY on its CDs - 60 Month CD, and 0.50% APY on money market accounts, according to rates verified by MonitorBankRates. Other Cheyenne Laramie County Employees FCU CD rates include CDs - 48 Month at 2.44%, CDs - 36 Month at 2.41%, and CDs - 24 Month at 2.36%. MonitorBankRates evaluates the financial stability of Cheyenne Laramie County Employees FCU with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.43%. Rates last updated and verified on 10/12/2026.

Cheyenne Laramie County Employees FCU money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Cheyenne Laramie County Employees FCU? Share your experience about Cheyenne Laramie County Employees FCU by leaving a review below, or read customer reviews before you decide to use Cheyenne Laramie County Employees FCU.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.43%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Cheyenne Laramie County Employees FCU
Cheyenne-Laramie County Employees Federal Credit Union

4523 Driftwood Dr
Cheyenne, WY 82009-7301

https://www.clcefcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Cheyenne Laramie County Employees FCU CD Rates

Product	Rate	APY	Term
Share Certificates - 60 Month	2.48%	2.50%	60 months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Share Certificates - 48 Month	2.44%	2.44%	48 months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 2.44% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Share Certificates - 36 Month	2.39%	2.41%	36 months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 2.41% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Share Certificates - 24 Month	2.34%	2.36%	24 months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 2.36% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Share Certificates - 18 Month	2.29%	2.31%	18 months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 2.31% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Share Certificates - 12 Month	2.24%	2.25%	12 months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 2.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Share Certificates - IRA 12 Month	2.24%	2.25%	12 months
Min Deposit $500 Details IRA Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 2.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Share Certificates - 6 Month	1.99%	2.00%	6 months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%

Cheyenne Laramie County Employees FCU Savings Rates

Product	Rate	APY
Christmas Club	0.15%	0.15%
Min Balance $100 Details Savings; Minimum Deposit to Receive Dividends $100.00 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Vacation Club	0.15%	0.15%
Min Balance $100 Details Savings; Minimum Deposit to Receive Dividends $100.00 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%

Cheyenne Laramie County Employees FCU Money Market Rates

Product	Rate	APY
Money Market min deposit	0.50%	0.50%
Min Balance $2,500 Details $2500.00; Minimum Deposit to Receive Dividends $2500.00 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Money Market min deposit	0.30%	0.30%
Min Balance $250 Details $250.00; Minimum Deposit to Receive Dividends $250.00 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%

Cheyenne Laramie County Employees FCU Other Rates

Product	Rate	Points	APY/APR
IRA Shares	0.50%	-	0.501%
Details IRA Savings Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Regular Shares	0.15%	-	0.15%
Min Balance $100 Details Savings; Minimum Deposit to Receive Dividends $100.00 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Cheyenne Laramie County Employees FCU’s Texas Ratio fell from 2.72% in Q3 2023 to 1.43% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$32M	1.43%	5.0	A+
March 31, 2026	$32M	0.71%	5.0	A+
December 31, 2025	$32M	0.85%	5.0	A+
September 30, 2025	$31M	0.77%	5.0	A+
June 30, 2025	$30M	0.97%	5.0	A+
March 31, 2025	$30M	1.04%	5.0	A+
December 31, 2024	$29M	1.26%	5.0	A+
September 30, 2024	$30M	1.63%	5.0	A+
June 30, 2024	$30M	1.70%	5.0	A+
March 31, 2024	$30M	1.18%	5.0	A+
December 31, 2023	$30M	1.70%	5.0	A+
September 30, 2023	$31M	2.72%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Cheyenne Laramie County Employees FCU is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Cheyenne Laramie County Employees FCU rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Cheyenne Laramie County Employees FCU's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Cheyenne Laramie County Employees FCU

Website https://www.clcefcu.org

Address 4523 Driftwood Dr, Cheyenne, WY 82009-7301

Phone 307-638-6476

Fax 307-635-1400

President John Fitzgerald

CEO Terri McLees

Full-Time Employees 4

Part-Time Employees 0

Branch Locations 2

ATM Locations 0

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.43%

Return on Assets (ROA)

0.8332%

Return on Equity (ROE)

5.3948%

Non-Performing Loans Ratio (NPL)

1.44%

Total Assets

31,931,628

Total Amount of Shares and Deposits

26,835,783

Total Shares and Deposits < 1 Year

26,291,748

Total Shares and Deposits 1 3 Years

325,492

Total Shares and Deposits > 3 Years

218,543

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

262,031

Total Uninsured Shares and Deposits > $250K (F+J)

262,031

Total Insured Shares and Deposits > $250K (item 17 less item K)

26,573,752

Total Interest Expense (Sum of items 6 8)

63,130

Share Certificates

132

Number of Accounts for Share Drafts

1,267

IRA KEOGH Accounts

Number of Accounts for Regular Shares

1,861

All other shares

280

Money Market Shares

169

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

12,148,850

Total Liabilities

27,000,126

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Cheyenne Laramie County Employees FCU earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Cheyenne Laramie County Employees FCU

How many branches does Cheyenne Laramie County Employees FCU operate?

Cheyenne Laramie County Employees FCU currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Cheyenne Laramie County Employees FCU?

Yes, to access services at Cheyenne Laramie County Employees FCU, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Cheyenne Laramie County Employees FCU does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Cheyenne Laramie County Employees FCU provides members with tools to manage their accounts and build a solid financial history.

Does Cheyenne Laramie County Employees FCU offer online and mobile banking?

Most modern institutions like Cheyenne Laramie County Employees FCU provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.clcefcu.org.