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CD Rate Trends

Wyoming Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 13, 2026

Wyoming CD rates range from 0.05% to 4.50% APY, verified by MonitorBankRates as of October 13, 2026. Current Wyoming CD rates include Advantage Plus Federal Credit UnionAdvantage Plus Federal Credit Union485 S Washington St, Afton, WY 83110A+5.0 ★Texas Ratio: 3.01%Real return: +1.70%APY minus CPI (February 2026) offering Share Certificates - 60 months at 4.50% APY, Hilltop National BankHilltop National Bank300 Country Club Rd, Casper, WY 82609A+5.0 ★Texas Ratio: 1.89%Real return: +1.59%APY minus CPI (February 2026) offering 18 Month Variable IRA Time Deposit at 4.39% APY, Buffalo Federal BankBuffalo Federal Bank106 Fort St, Buffalo, WY 82834A+5.0 ★Texas Ratio: 5.57%Real return: +1.39%APY minus CPI (February 2026) offering 24 Month CD at 4.19% APY, Valley Financial Credit UnionValley Financial Credit Union1902 Cougar Ave, Cody, WY 82414A+5.0 ★Texas Ratio: 1.69%Real return: +1.38%APY minus CPI (February 2026) offering 24 Month Certificate at 4.18% APY, and FirsTier BankFirsTier Bank1508 Stillwater Ave, Cheyenne, WY 82009F2.0 ★Texas Ratio: 51.03%Real return: +1.34%APY minus CPI (February 2026) offering 3 Month CD at 4.14% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.

Use the tables below to compare CD rates across all terms in Wyoming side-by-side. Wyoming CD rates currently reach as high as 4.50% APY from Advantage Plus Federal Credit Union at 485 S Washington St, Afton, WY 83110. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 13, 2026

Compare Best CD Rates in Wyoming

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Wyoming 3 Month CD Rates

MonitorBankRates Wyoming Average · 3 Month CD2.24% APY▲ 0.01% from last weekNational 2.09%
View 3-month CD rate trend

The average 3-month CD rate in Wyoming is 2.24% APY, compared with 2.09% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
1508 Stillwater Ave, Cheyenne, WY 82009
3 Month CD
$0
4.14% ▲ 1.90% above Wyoming avg
View
▼
Rate4.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average2.24%▲ 1.90% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.14% ▲ 0.54 pts · high 4.14% / low 3.60%
3.06%3.87%4.68%Sep 14, 2026: 3.60% APYSep 24, 2026: 4.14% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.14%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Sheridan Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
141 S Gould St, Sheridan, WY 82801
3 Month Certificate
$0
3.75% ▲ 1.51% above Wyoming avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.24%▲ 1.51% above avgNationally 2.09%
Details

Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 25, 2026: 3.75% APYSep 25, 2026Oct 13, 2026
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
840 Hitching Post Dr, Green River, WY 82935 5554
3 Month Certificate
$200
3.75% ▲ 1.51% above Wyoming avg
View
▼
Rate3.70%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average2.24%▲ 1.51% above avgNationally 2.09%
Details

Term: 3 Month Certificate (91 days)

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
840 Hitching Post Dr, Green River, WY 82935 5554
Business 3 Month Certificate
$200
3.75% ▲ 1.51% above Wyoming avg
View
▼
Rate3.70%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average2.24%▲ 1.51% above avgNationally 2.09%
Details

Term: 3 Month Certificate (91 Days)

Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 6, 2026: 3.75% APYOct 6, 2026Oct 13, 2026
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
1700 N Federal Blvd, Riverton, WY 82501
CD's & IRA's Min. - 3 months
$0
3.29% ▲ 1.05% above Wyoming avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average2.24%▲ 1.05% above avgNationally 2.09%
Details

Rate History
1 change since Sep 19, 2026 · 3.03% → 3.29% ▲ 0.26 pts · high 3.29% / low 3.03%
2.53%3.16%3.79%Sep 19, 2026: 3.03% APYSep 27, 2026: 3.29% APYSep 19, 2026Oct 13, 2026
  • Sep 27, 20263.29%▲ from 3.03%
  • Sep 19, 20263.03%first recorded
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
1700 N Federal Blvd, Riverton, WY 82501
3 Month CD's & IRA's Min.
$0
3.19% ▲ 0.95% above Wyoming avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average2.24%▲ 0.95% above avgNationally 2.09%
Details

$25,000.00-$99,999.99

Rate History
1 change since Sep 19, 2026 · 3.03% → 3.19% ▲ 0.16 pts · high 3.19% / low 3.03%
2.53%3.11%3.69%Sep 19, 2026: 3.03% APYOct 7, 2026: 3.19% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20263.19%▲ from 3.03%
  • Sep 19, 20263.03%first recorded
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
1700 N Federal Blvd, Riverton, WY 82501
CD's & IRA's Min. - 3 months
$0
3.19% ▲ 0.95% above Wyoming avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average2.24%▲ 0.95% above avgNationally 2.09%
Details

$25,000.00-$99,999.99

Rate History
1 change since Sep 19, 2026 · 2.93% → 3.19% ▲ 0.26 pts · high 3.19% / low 2.93%
2.43%3.06%3.69%Sep 19, 2026: 2.93% APYSep 27, 2026: 3.19% APYSep 19, 2026Oct 13, 2026
  • Sep 27, 20263.19%▲ from 2.93%
  • Sep 19, 20262.93%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
3 Month Certificate Term
$0
3.15% ▲ 0.91% above Wyoming avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average2.24%▲ 0.91% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.15% APY · checked 2 times
2.65%3.15%3.65%Oct 7, 2026: 3.15% APYOct 7, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
3 Month Certificate Term
$0
3.10% ▲ 0.86% above Wyoming avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average2.24%▲ 0.86% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 7, 2026: 3.10% APYOct 7, 2026Oct 13, 2026
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
1700 N Federal Blvd, Riverton, WY 82501
3 Month Certificate
$1,000
3.09% ▲ 0.85% above Wyoming avg
View
▼
Rate3.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average2.24%▲ 0.85% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.09% APY · checked 2 times
2.59%3.09%3.59%Oct 7, 2026: 3.09% APYOct 7, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
3-Month Certificate
$0
3.05% ▲ 0.81% above Wyoming avg
View
▼
Rate3.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average2.24%▲ 0.81% above avgNationally 2.09%
Details

Rate History
1 change since Sep 15, 2026 · 2.96% → 3.05% ▲ 0.09 pts · high 3.05% / low 2.96%
2.46%3.01%3.55%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.05% APYSep 15, 2026Oct 13, 2026
  • Sep 18, 20263.05%▲ from 2.96%
  • Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
3-Month Certificate
$0
3.00% ▲ 0.76% above Wyoming avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average2.24%▲ 0.76% above avgNationally 2.09%
Details

Rate History
1 change since Sep 15, 2026 · 2.96% → 3.00% ▲ 0.04 pts · high 3.00% / low 2.96%
2.46%2.98%3.50%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.00% APYSep 15, 2026Oct 13, 2026
  • Sep 18, 20263.00%▲ from 2.96%
  • Sep 15, 20262.96%first recorded
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
99 S Main St, Buffalo, WY 82834
90 Day Certificate
$1,000
3.00% ▲ 0.76% above Wyoming avg
View
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average2.24%▲ 0.76% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 13, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
99 S Main St, Buffalo, WY 82834
Business 90 Day Certificate
$1,000
3.00% ▲ 0.76% above Wyoming avg
View
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average2.24%▲ 0.76% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 13, 2026
First Federal Bank & Trust
Institution Rating:
B-4.2 ★Texas Ratio: 24.13%
671 Illinois St, Sheridan, WY 82801
3 Month CD
$0
3.00% ▲ 0.76% above Wyoming avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average2.24%▲ 0.76% above avgNationally 2.09%
Details

Balance: $0 - $249,999

Rate History
No change since Sep 27, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 27, 2026: 3.00% APYSep 27, 2026Oct 13, 2026
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
384 S Washington St, Afton, WY 83110
3 Month Certificate
$250
2.78% ▲ 0.54% above Wyoming avg
View
▼
Rate2.75%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.24%▲ 0.54% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.78% APY · checked 7 times
2.28%2.78%3.28%Sep 14, 2026: 2.78% APYSep 14, 2026Oct 13, 2026
Sunlight Federal Credit Union
Institution Rating:
D3.2 ★Texas Ratio: 37.01%
1702 17th St, Cody, WY 82414
3 Month Share Certificate
$500
2.78% ▲ 0.54% above Wyoming avg
View
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.24%▲ 0.54% above avgNationally 2.09%
Details

Early Withdrawal Penalty: 90 Days Interest

Rate History
No change since Sep 18, 2026 · 2.78% APY · checked 6 times
2.28%2.78%3.28%Sep 18, 2026: 2.78% APYSep 18, 2026Oct 13, 2026
Citco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
502 N Main St, Sheridan, WY 82801
Share Certificates - 3 month
$0
2.53% ▲ 0.29% above Wyoming avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.24%▲ 0.29% above avgNationally 2.09%
Details

Interest rate shown in APR column

Rate History
No change since Oct 12, 2026 · 2.53% APY
2.03%2.53%3.03%Oct 12, 2026: 2.53% APYOct 12, 2026Oct 13, 2026
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
1700 N Federal Blvd, Riverton, WY 82501
CD's & IRA's Min. - Less than 90 days
$0
2.07% ▼ 0.17% below Wyoming avg
View
▼
Rate2.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average2.24%▼ 0.17% below avgNationally 2.09%
Details

Rate History
1 change since Sep 19, 2026 · 1.81% → 2.07% ▲ 0.26 pts · high 2.07% / low 1.81%
1.31%1.94%2.57%Sep 19, 2026: 1.81% APYSep 27, 2026: 2.07% APYSep 19, 2026Oct 13, 2026
  • Sep 27, 20262.07%▲ from 1.81%
  • Sep 19, 20261.81%first recorded
FNB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
24 N Sumner Ave, Newcastle, WY 82701
3 Month Certificate of Deposit
$2,500
2.02% ▼ 0.22% below Wyoming avg
View
▼
Rate2.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.24%▼ 0.22% below avgNationally 2.09%
Details

Rate History
No change since Sep 24, 2026 · 2.02% APY · checked 5 times
1.52%2.02%2.52%Sep 24, 2026: 2.02% APYSep 24, 2026Oct 13, 2026
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
1700 N Federal Blvd, Riverton, WY 82501
CD's & IRA's Min. - Less than 90 days
$0
1.97% ▼ 0.27% below Wyoming avg
View
▼
Rate1.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average2.24%▼ 0.27% below avgNationally 2.09%
Details

$25,000.00-$99,999.99

Rate History
1 change since Sep 19, 2026 · 1.71% → 1.97% ▲ 0.26 pts · high 1.97% / low 1.71%
1.21%1.84%2.47%Sep 19, 2026: 1.71% APYSep 27, 2026: 1.97% APYSep 19, 2026Oct 13, 2026
  • Sep 27, 20261.97%▲ from 1.71%
  • Sep 19, 20261.71%first recorded
Security State Bank Basin, WY
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
201 S 4th St, Basin, WY 82410
3 Month CD
$1,000
1.86% ▼ 0.38% below Wyoming avg
View
▼
Rate1.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.24%▼ 0.38% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 1.86% APY · checked 7 times
1.36%1.86%2.36%Sep 14, 2026: 1.86% APYSep 14, 2026Oct 13, 2026
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
485 S Washington St, Afton, WY 83110
Share Certificates - 3 months
$0
1.75% ▼ 0.49% below Wyoming avg
View
▼
Rate1.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.24%▼ 0.49% below avgNationally 2.09%
Details

Interest Rate column shown as Interest Rate; APY* column shown as APY*

Rate History
No change since Oct 12, 2026 · 1.75% APY
1.25%1.75%2.25%Oct 12, 2026: 1.75% APYOct 12, 2026Oct 13, 2026
Jonah Bank of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
777 W 1st St, Casper, WY 82601
3 Month CD
$0
1.31% ▼ 0.93% below Wyoming avg
View
▼
Rate1.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average2.24%▼ 0.93% below avgNationally 2.09%
Details

Rate History
No change since Sep 19, 2026 · 1.31% APY · checked 2 times
0.81%1.31%1.81%Sep 19, 2026: 1.31% APYSep 19, 2026Oct 13, 2026
Western Vista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
3207 Sparks Rd, Cheyenne, WY 82001
3 Month Share Certificate
$500
1.25% ▼ 0.99% below Wyoming avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.24%▼ 0.99% below avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Oct 8, 2026: 1.25% APYOct 8, 2026Oct 13, 2026
Western Vista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
3207 Sparks Rd, Cheyenne, WY 82001
Traditional & ROTH IRA - 3 Mos.
$0
1.25% ▼ 0.99% below Wyoming avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.24%▼ 0.99% below avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Oct 8, 2026: 1.25% APYOct 8, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
110 Center St, Jackson, WY 83001
3 month Standard Fixed Rate
$2,500
0.06% ▼ 2.18% below Wyoming avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average2.24%▼ 2.18% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
110 Center St, Jackson, WY 83001
3 month Standard Interest Rate
$2,500
0.06% ▼ 2.18% below Wyoming avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average2.24%▼ 2.18% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 14, 2026: 0.06% APYSep 14, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
110 Center St, Jackson, WY 83001
3 month Standard Fixed Rate
$2,500
0.05% ▼ 2.19% below Wyoming avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average2.24%▼ 2.19% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
848 Main St, Evanston, WY 82930
3 Month IRA Certificates
$0
0.05% ▼ 2.19% below Wyoming avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average2.24%▼ 2.19% below avgNationally 2.09%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 6, 2026: 0.05% APYOct 6, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
848 Main St, Evanston, WY 82930
3 Month Standard CD
$0
0.05% ▼ 2.19% below Wyoming avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average2.24%▼ 2.19% below avgNationally 2.09%
Details

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 13, 2026

Wyoming 6 Month CD Rates

MonitorBankRates Wyoming Average · 6 Month CD3.20% APY▲ 0.02% from last weekNational 2.78%
View 6-month CD rate trend

The average 6-month CD rate in Wyoming is 3.20% APY, compared with 2.78% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
1508 Stillwater Ave, Cheyenne, WY 82009
6 Month CD
$0
4.14% ▲ 0.94% above Wyoming avg
View
▼
Rate4.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.20%▲ 0.94% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.14% ▲ 0.24 pts · high 4.14% / low 3.90%
3.40%4.02%4.64%Sep 14, 2026: 3.90% APYSep 24, 2026: 4.14% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.14%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
StagePoint Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
365 N 3rd St, Laramie, WY 82072
6 Month Share Certificate
$0
4.07% ▲ 0.87% above Wyoming avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.20%▲ 0.87% above avgNationally 2.78%
Details

Rate History
No change since Sep 25, 2026 · 4.07% APY · checked 4 times
3.57%4.07%4.57%Sep 25, 2026: 4.07% APYSep 25, 2026Oct 13, 2026
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1902 Cougar Ave, Cody, WY 82414
6 Month Certificate
$1,000
4.07% ▲ 0.87% above Wyoming avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average3.20%▲ 0.87% above avgNationally 2.78%
Details

Limited time special! Rates effective as of October 1, 2026. Penalty for early withdrawal.

Rate History
1 change since Sep 14, 2026 · 3.97% → 4.07% ▲ 0.10 pts · high 4.07% / low 3.97%
3.47%4.02%4.57%Sep 14, 2026: 3.97% APYOct 10, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.07%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
CAMPCO
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
101 Ranch Dr, Wright, WY 82732
Share Certificate - 6 Month
$0
4.05% ▲ 0.85% above Wyoming avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average3.20%▲ 0.85% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
3.25%3.90%4.55%Sep 14, 2026: 3.75% APYOct 6, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Oct 6, 20264.05%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Sheridan Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
141 S Gould St, Sheridan, WY 82801
6 Month Certificate
$0
4.00% ▲ 0.80% above Wyoming avg
View
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.20%▲ 0.80% above avgNationally 2.78%
Details

Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 25, 2026: 4.00% APYSep 25, 2026Oct 13, 2026
Grand Altitude Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
1701 N Federal Blvd, Riverton, WY 82501 5201
Share & IRA Certificates - 6 Month
$0
3.89% ▲ 0.69% above Wyoming avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wyoming Average3.20%▲ 0.69% above avgNationally 2.78%
Details

Balance: $500; Early withdrawal penalties apply

Rate History
No change since Oct 9, 2026 · 3.89% APY · checked 2 times
3.39%3.89%4.39%Oct 9, 2026: 3.89% APYOct 9, 2026Oct 13, 2026
WyHy Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.60%
1715 Stillwater Ave, Cheyenne, WY 82009 7359
6 Month Jumbo Term Certificates & Jumbo IRA Term Certificates
$50,000
3.70% ▲ 0.50% above Wyoming avg
View
▼
Rate3.65%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.20%▲ 0.50% above avgNationally 2.78%
Details

Fixed rate for term, Quarterly Paid Interest

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 13, 2026
WyHy Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.60%
1715 Stillwater Ave, Cheyenne, WY 82009 7359
6 Month Term Certificates & IRA Term Certificates
$500
3.65% ▲ 0.45% above Wyoming avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.20%▲ 0.45% above avgNationally 2.78%
Details

Fixed rate for term, Quarterly Paid Interest; also available as IRA Term Certificate

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 13, 2026
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
840 Hitching Post Dr, Green River, WY 82935 5554
6 Month Certificate
$200
3.65% ▲ 0.45% above Wyoming avg
View
▼
Rate3.60%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average3.20%▲ 0.45% above avgNationally 2.78%
Details

Term: 6 Month Certificate (182 days)

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
840 Hitching Post Dr, Green River, WY 82935 5554
Business 6 Month Certificate
$200
3.65% ▲ 0.45% above Wyoming avg
View
▼
Rate3.60%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average3.20%▲ 0.45% above avgNationally 2.78%
Details

Term: 6 Month Certificate (182 Days)

Rate History
No change since Oct 6, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 6, 2026: 3.65% APYOct 6, 2026Oct 13, 2026
Citco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
502 N Main St, Sheridan, WY 82801
Share Certificates - 6 month
$0
3.60% ▲ 0.40% above Wyoming avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.20%▲ 0.40% above avgNationally 2.78%
Details

Interest rate shown in APR column

Rate History
No change since Oct 12, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 12, 2026: 3.60% APYOct 12, 2026Oct 13, 2026
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
1700 N Federal Blvd, Riverton, WY 82501
CD's & IRA's Min. - 6 months
$0
3.58% ▲ 0.38% above Wyoming avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average3.20%▲ 0.38% above avgNationally 2.78%
Details

Rate History
1 change since Sep 19, 2026 · 3.33% → 3.58% ▲ 0.25 pts · high 3.58% / low 3.33%
2.83%3.46%4.08%Sep 19, 2026: 3.33% APYSep 27, 2026: 3.58% APYSep 19, 2026Oct 13, 2026
  • Sep 27, 20263.58%▲ from 3.33%
  • Sep 19, 20263.33%first recorded
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
384 S Washington St, Afton, WY 83110
6 Month Certificate
$250
3.55% ▲ 0.35% above Wyoming avg
View
▼
Rate3.50%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.20%▲ 0.35% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
2223 Warren Ave, Cheyenne, WY 82001
6 Month Certificates and IRA Share Certificates
$500
3.55% ▲ 0.35% above Wyoming avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.20%▲ 0.35% above avgNationally 2.78%
Details

Pay monthly; Share Certificates may be added to in $100 increments up to an additional $5,000 during the term

Rate History
No change since Oct 12, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 12, 2026: 3.55% APYOct 12, 2026Oct 13, 2026
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
2223 Warren Ave, Cheyenne, WY 82001
Business Certificate - 6 months
$500
3.55% ▲ 0.35% above Wyoming avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.20%▲ 0.35% above avgNationally 2.78%
Details

Rate History
No change since Oct 12, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 12, 2026: 3.55% APYOct 12, 2026Oct 13, 2026
Western Vista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
3207 Sparks Rd, Cheyenne, WY 82001
6 Month Share Certificate
$500
3.50% ▲ 0.30% above Wyoming avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.20%▲ 0.30% above avgNationally 2.78%
Details

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 13, 2026
Western Vista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
3207 Sparks Rd, Cheyenne, WY 82001
Traditional & ROTH IRA - 6 Mos.
$0
3.50% ▲ 0.30% above Wyoming avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.20%▲ 0.30% above avgNationally 2.78%
Details

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 13, 2026
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
1700 N Federal Blvd, Riverton, WY 82501
6 Month CD's & IRA's Min.
$0
3.48% ▲ 0.28% above Wyoming avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average3.20%▲ 0.28% above avgNationally 2.78%
Details

$25,000.00-$99,999.99

Rate History
1 change since Sep 19, 2026 · 3.33% → 3.48% ▲ 0.15 pts · high 3.48% / low 3.33%
2.83%3.41%3.98%Sep 19, 2026: 3.33% APYOct 7, 2026: 3.48% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20263.48%▲ from 3.33%
  • Sep 19, 20263.33%first recorded
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
1700 N Federal Blvd, Riverton, WY 82501
CD's & IRA's Min. - 6 months
$0
3.48% ▲ 0.28% above Wyoming avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average3.20%▲ 0.28% above avgNationally 2.78%
Details

$25,000.00-$99,999.99

Rate History
1 change since Sep 19, 2026 · 3.23% → 3.48% ▲ 0.25 pts · high 3.48% / low 3.23%
2.73%3.36%3.98%Sep 19, 2026: 3.23% APYSep 27, 2026: 3.48% APYSep 19, 2026Oct 13, 2026
  • Sep 27, 20263.48%▲ from 3.23%
  • Sep 19, 20263.23%first recorded
Uniwyo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1000 E University Ave, Laramie, WY 82071 2000
Share Certificate - 6 Month
$100
3.45% ▲ 0.25% above Wyoming avg
View
▼
Rate3.41%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.20%▲ 0.25% above avgNationally 2.78%
Details

Rate History
No change since Oct 12, 2026 · 3.45% APY
2.95%3.45%3.95%Oct 12, 2026: 3.45% APYOct 12, 2026Oct 13, 2026
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
2717 S Douglas Hwy, Gillette, WY 82718 6417
6 Month Certificate
$500
3.40% ▲ 0.20% above Wyoming avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average3.20%▲ 0.20% above avgNationally 2.78%
Details

Honors Rate: 3.45%; Platinum Rate: 3.60%

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 4 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
1700 N Federal Blvd, Riverton, WY 82501
6 Month Certificate
$1,000
3.38% ▲ 0.18% above Wyoming avg
View
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average3.20%▲ 0.18% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 3.38% APY · checked 2 times
2.88%3.38%3.88%Oct 7, 2026: 3.38% APYOct 7, 2026Oct 13, 2026
Acpe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
2835 E Grand Ave, Laramie, WY 82070 5276
Share Certificate - 6 Months
$250
3.35% ▲ 0.15% above Wyoming avg
View
▼
Rate3.30%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wyoming Average3.20%▲ 0.15% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 8 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
485 S Washington St, Afton, WY 83110
Share Certificates - 6 months
$0
3.25% ▲ 0.05% above Wyoming avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.20%▲ 0.05% above avgNationally 2.78%
Details

Rate History
No change since Oct 12, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 12, 2026: 3.25% APYOct 12, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
6-Month Certificate
$0
3.15% ▼ 0.05% below Wyoming avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.20%▼ 0.05% below avgNationally 2.78%
Details

Rate History
1 change since Sep 15, 2026 · 2.96% → 3.15% ▲ 0.19 pts · high 3.15% / low 2.96%
2.46%3.05%3.65%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.15% APYSep 15, 2026Oct 13, 2026
  • Sep 18, 20263.15%▲ from 2.96%
  • Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
6-Month IRA
$0
3.15% ▼ 0.05% below Wyoming avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.20%▼ 0.05% below avgNationally 2.78%
Details

Rate History
1 change since Sep 24, 2026 · 3.05% → 3.15% ▲ 0.10 pts · high 3.15% / low 3.05%
2.55%3.10%3.65%Sep 24, 2026: 3.05% APYOct 7, 2026: 3.15% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20263.15%▲ from 3.05%
  • Sep 24, 20263.05%first recorded
FNB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
24 N Sumner Ave, Newcastle, WY 82701
IRA Fixed - 6 Month
$25
3.14% ▼ 0.06% below Wyoming avg
View
▼
Rate3.10%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.20%▼ 0.06% below avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 6 times
2.64%3.14%3.64%Sep 14, 2026: 3.14% APYSep 14, 2026Oct 13, 2026
Security State Bank Basin, WY
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
201 S 4th St, Basin, WY 82410
6 Month CD
$1,000
3.14% ▼ 0.06% below Wyoming avg
View
▼
Rate3.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.20%▼ 0.06% below avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 7 times
2.64%3.14%3.64%Sep 14, 2026: 3.14% APYSep 14, 2026Oct 13, 2026
Big Horn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
33 N 6th St, Greybull, WY 82426
6 month CD
$1,000
3.12% ▼ 0.08% below Wyoming avg
View
▼
Rate3.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average3.20%▼ 0.08% below avgNationally 2.78%
Details

Entire Balance

Rate History
No change since Sep 11, 2026 · 3.12% APY · checked 8 times
2.62%3.12%3.62%Sep 11, 2026: 3.12% APYSep 11, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
6-Month Certificate
$0
3.10% ▼ 0.10% below Wyoming avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.20%▼ 0.10% below avgNationally 2.78%
Details

Rate History
1 change since Sep 15, 2026 · 2.96% → 3.10% ▲ 0.14 pts · high 3.10% / low 2.96%
2.46%3.03%3.60%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.10% APYSep 15, 2026Oct 13, 2026
  • Sep 18, 20263.10%▲ from 2.96%
  • Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
6-Month IRA
$0
3.10% ▼ 0.10% below Wyoming avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.20%▼ 0.10% below avgNationally 2.78%
Details

Rate History
1 change since Sep 24, 2026 · 3.05% → 3.10% ▲ 0.05 pts · high 3.10% / low 3.05%
2.55%3.08%3.60%Sep 24, 2026: 3.05% APYOct 7, 2026: 3.10% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20263.10%▲ from 3.05%
  • Sep 24, 20263.05%first recorded
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
99 S Main St, Buffalo, WY 82834
180 Day Certificate
$1,000
3.10% ▼ 0.10% below Wyoming avg
View
▼
Rate3.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.20%▼ 0.10% below avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 7, 2026: 3.10% APYOct 7, 2026Oct 13, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
99 S Main St, Buffalo, WY 82834
Business 180 Day Certificate
$1,000
3.10% ▼ 0.10% below Wyoming avg
View
▼
Rate3.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.20%▼ 0.10% below avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 7, 2026: 3.10% APYOct 7, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
6-Month Certificate
$0
3.05% ▼ 0.15% below Wyoming avg
View
▼
Rate3.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.20%▼ 0.15% below avgNationally 2.78%
Details

Rate History
1 change since Sep 15, 2026 · 2.96% → 3.05% ▲ 0.09 pts · high 3.05% / low 2.96%
2.46%3.01%3.55%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.05% APYSep 15, 2026Oct 13, 2026
  • Sep 18, 20263.05%▲ from 2.96%
  • Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
6-Month IRA
$0
3.05% ▼ 0.15% below Wyoming avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.20%▼ 0.15% below avgNationally 2.78%
Details

Rate History
No change since Sep 24, 2026 · 3.05% APY · checked 6 times
2.55%3.05%3.55%Sep 24, 2026: 3.05% APYSep 24, 2026Oct 13, 2026
FNB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
24 N Sumner Ave, Newcastle, WY 82701
6 Month Certificate of Deposit
$2,500
3.03% ▼ 0.17% below Wyoming avg
View
▼
Rate3.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.20%▼ 0.17% below avgNationally 2.78%
Details

Rate History
No change since Sep 24, 2026 · 3.03% APY · checked 5 times
2.53%3.03%3.53%Sep 24, 2026: 3.03% APYSep 24, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
6-Month IRA
$0
3.00% ▼ 0.20% below Wyoming avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.20%▼ 0.20% below avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 3.01% APY · checked 2 times
2.51%3.01%3.51%Oct 7, 2026: 3.01% APYOct 7, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
6-Month Certificate
$0
3.00% ▼ 0.20% below Wyoming avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.20%▼ 0.20% below avgNationally 2.78%
Details

Rate History
1 change since Sep 15, 2026 · 2.96% → 3.00% ▲ 0.04 pts · high 3.00% / low 2.96%
2.46%2.98%3.50%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.00% APYSep 15, 2026Oct 13, 2026
  • Sep 18, 20263.00%▲ from 2.96%
  • Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
6-Month IRA
$1,000
3.00% ▼ 0.20% below Wyoming avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.20%▼ 0.20% below avgNationally 2.78%
Details

Rate History
1 change since Sep 24, 2026 · 3.05% → 3.00% ▼ 0.05 pts · high 3.05% / low 3.00%
2.50%3.03%3.55%Sep 24, 2026: 3.05% APYOct 7, 2026: 3.00% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20263.00%▼ from 3.05%
  • Sep 24, 20263.05%first recorded
First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
120 W Carlson St, Cheyenne, WY 82009
6-Month Certificate
$0
2.78% ▼ 0.42% below Wyoming avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.20%▼ 0.42% below avgNationally 2.78%
Details

Payment Frequency: maturity

Rate History
No change since Sep 14, 2026 · 2.78% APY · checked 5 times
2.28%2.78%3.28%Sep 14, 2026: 2.78% APYSep 14, 2026Oct 13, 2026
Sunlight Federal Credit Union
Institution Rating:
D3.2 ★Texas Ratio: 37.01%
1702 17th St, Cody, WY 82414
6 Month Share Certificate
$500
2.78% ▼ 0.42% below Wyoming avg
View
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.20%▼ 0.42% below avgNationally 2.78%
Details

Early Withdrawal Penalty: 90 Days Interest

Rate History
No change since Sep 18, 2026 · 2.78% APY · checked 6 times
2.28%2.78%3.28%Sep 18, 2026: 2.78% APYSep 18, 2026Oct 13, 2026
Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
4523 Driftwood Dr, Cheyenne, WY 82009 7301
Share Certificates - 6 Month
$500
2.00% ▼ 1.20% below Wyoming avg
View
▼
Rate1.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.20%▼ 1.20% below avgNationally 2.78%
Details

Rate History
No change since Sep 12, 2026 · 2.00% APY · checked 5 times
1.50%2.00%2.50%Sep 12, 2026: 2.00% APYSep 12, 2026Oct 13, 2026
Jonah Bank of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
777 W 1st St, Casper, WY 82601
6 Month CD
$0
1.41% ▼ 1.79% below Wyoming avg
View
▼
Rate1.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.20%▼ 1.79% below avgNationally 2.78%
Details

Rate History
No change since Sep 19, 2026 · 1.41% APY · checked 2 times
0.91%1.41%1.91%Sep 19, 2026: 1.41% APYSep 19, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
110 Center St, Jackson, WY 83001
6 month Standard Fixed Rate
$2,500
0.06% ▼ 3.14% below Wyoming avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.20%▼ 3.14% below avgNationally 2.78%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
110 Center St, Jackson, WY 83001
6 month Standard Interest Rate
$2,500
0.06% ▼ 3.14% below Wyoming avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.20%▼ 3.14% below avgNationally 2.78%
Details

Balance: $0 - $4,999.99; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 14, 2026: 0.06% APYSep 14, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
110 Center St, Jackson, WY 83001
6 month Standard Fixed Rate
$2,500
0.05% ▼ 3.15% below Wyoming avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.20%▼ 3.15% below avgNationally 2.78%
Details

Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
848 Main St, Evanston, WY 82930
6 Month IRA Certificates
$0
0.05% ▼ 3.15% below Wyoming avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average3.20%▼ 3.15% below avgNationally 2.78%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 6, 2026: 0.05% APYOct 6, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
848 Main St, Evanston, WY 82930
6 Month Standard CD
$0
0.05% ▼ 3.15% below Wyoming avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average3.20%▼ 3.15% below avgNationally 2.78%
Details

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 13, 2026

Wyoming 12 Month CD Rates

MonitorBankRates Wyoming Average · 12 Month CD3.30% APY▲ 0.03% from last weekNational 2.99%
View 12-month CD rate trend

The average 12-month CD rate in Wyoming is 3.30% APY, compared with 2.99% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Buffalo Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
106 Fort St, Buffalo, WY 82834
12 Month CD
$500
4.18% ▲ 0.88% above Wyoming avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average3.30%▲ 0.88% above avgNationally 2.99%
Details

Rate History
1 change since Sep 29, 2026 · 3.20% → 4.18% ▲ 0.98 pts · high 4.18% / low 3.20%
2.22%3.69%5.16%Sep 29, 2026: 3.20% APYOct 11, 2026: 4.18% APYSep 29, 2026Oct 13, 2026
  • Oct 11, 20264.18%▲ from 3.20%
  • Sep 29, 20263.20%first recorded
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1902 Cougar Ave, Cody, WY 82414
12 Month Certificate
$500
4.07% ▲ 0.77% above Wyoming avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average3.30%▲ 0.77% above avgNationally 2.99%
Details

Limited time special! Rates effective as of October 1, 2026. Penalty for early withdrawal.

Rate History
1 change since Sep 14, 2026 · 3.97% → 4.07% ▲ 0.10 pts · high 4.07% / low 3.97%
3.47%4.02%4.57%Sep 14, 2026: 3.97% APYOct 10, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.07%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
1508 Stillwater Ave, Cheyenne, WY 82009
12 Month CD
$0
3.95% ▲ 0.65% above Wyoming avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.30%▲ 0.65% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 8 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Grand Altitude Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
1701 N Federal Blvd, Riverton, WY 82501 5201
Share & IRA Certificates - 12 Month
$0
3.95% ▲ 0.65% above Wyoming avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wyoming Average3.30%▲ 0.65% above avgNationally 2.99%
Details

Balance: $500; Early withdrawal penalties apply

Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 9, 2026: 3.95% APYOct 9, 2026Oct 13, 2026
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
384 S Washington St, Afton, WY 83110
1 Year Certificate
$250
3.91% ▲ 0.61% above Wyoming avg
View
▼
Rate3.85%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.30%▲ 0.61% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.91% APY · checked 7 times
3.41%3.91%4.41%Sep 14, 2026: 3.91% APYSep 14, 2026Oct 13, 2026
StagePoint Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
365 N 3rd St, Laramie, WY 82072
12 Month Share Certificate
$0
3.82% ▲ 0.52% above Wyoming avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.30%▲ 0.52% above avgNationally 2.99%
Details

Published rate range: As high as 3.75%.

Rate History
No change since Sep 25, 2026 · 3.82% APY · checked 4 times
3.32%3.82%4.32%Sep 25, 2026: 3.82% APYSep 25, 2026Oct 13, 2026
StagePoint Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
365 N 3rd St, Laramie, WY 82072
12 Month YOUTH Share Certificate
$0
3.82% ▲ 0.52% above Wyoming avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.30%▲ 0.52% above avgNationally 2.99%
Details

Balance: $50.00-$3,000.00

Rate History
No change since Oct 4, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Oct 4, 2026: 3.82% APYOct 4, 2026Oct 13, 2026
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
384 S Washington St, Afton, WY 83110
1 Year Certificate
$250
3.80% ▲ 0.50% above Wyoming avg
View
▼
Rate3.75%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.30%▲ 0.50% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Sheridan Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
141 S Gould St, Sheridan, WY 82801
12 Month Certificate
$0
3.75% ▲ 0.45% above Wyoming avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.30%▲ 0.45% above avgNationally 2.99%
Details

Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 25, 2026: 3.75% APYSep 25, 2026Oct 13, 2026
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
485 S Washington St, Afton, WY 83110
Share Certificates - 12 months
$0
3.75% ▲ 0.45% above Wyoming avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.30%▲ 0.45% above avgNationally 2.99%
Details

Rate History
No change since Oct 12, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 13, 2026
WyHy Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.60%
1715 Stillwater Ave, Cheyenne, WY 82009 7359
12 Month Jumbo Term Certificates & Jumbo IRA Term Certificates
$50,000
3.75% ▲ 0.45% above Wyoming avg
View
▼
Rate3.70%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.30%▲ 0.45% above avgNationally 2.99%
Details

Fixed rate for term, Quarterly Paid Interest

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
CAMPCO
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
101 Ranch Dr, Wright, WY 82732
Share Certificate - 12 Month
$0
3.75% ▲ 0.45% above Wyoming avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average3.30%▲ 0.45% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55%
3.05%3.65%4.25%Sep 14, 2026: 3.55% APYOct 6, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 6, 20263.75%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
WyHy Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.60%
1715 Stillwater Ave, Cheyenne, WY 82009 7359
12 Month Term Certificates & IRA Term Certificates
$500
3.70% ▲ 0.40% above Wyoming avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.30%▲ 0.40% above avgNationally 2.99%
Details

Fixed rate for term, Quarterly Paid Interest; also available as IRA Term Certificate

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 13, 2026
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
1700 N Federal Blvd, Riverton, WY 82501
CD's & IRA's Min. - 1 Year
$0
3.65% ▲ 0.35% above Wyoming avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average3.30%▲ 0.35% above avgNationally 2.99%
Details

Rate History
1 change since Sep 19, 2026 · 3.40% → 3.65% ▲ 0.25 pts · high 3.65% / low 3.40%
2.90%3.53%4.15%Sep 19, 2026: 3.40% APYSep 27, 2026: 3.65% APYSep 19, 2026Oct 13, 2026
  • Sep 27, 20263.65%▲ from 3.40%
  • Sep 19, 20263.40%first recorded
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
840 Hitching Post Dr, Green River, WY 82935 5554
12 Month Certificate
$0
3.65% ▲ 0.35% above Wyoming avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average3.30%▲ 0.35% above avgNationally 2.99%
Details

Term: 12 Month Certificate (365 Days); Dividends Post Quarterly

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
840 Hitching Post Dr, Green River, WY 82935 5554
IRA Certificate - 12 Month Certificate
$0
3.65% ▲ 0.35% above Wyoming avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average3.30%▲ 0.35% above avgNationally 2.99%
Details

Term: 12 Month Certificate (365 Days); Dividends Post Quarterly

Rate History
No change since Oct 6, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 6, 2026: 3.65% APYOct 6, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
1-Year Certificate
$0
3.55% ▲ 0.25% above Wyoming avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.30%▲ 0.25% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
1-Year IRA
$0
3.55% ▲ 0.25% above Wyoming avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.30%▲ 0.25% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 18, 2026 · 3.45% → 3.55% ▲ 0.10 pts · high 3.55% / low 3.45%
2.95%3.50%4.05%Sep 18, 2026: 3.45% APYSep 24, 2026: 3.50% APYOct 7, 2026: 3.55% APYSep 18, 2026Oct 13, 2026
  • Oct 7, 20263.55%▲ from 3.50%
  • Sep 24, 20263.50%▲ from 3.45%
  • Sep 18, 20263.45%first recorded
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
1700 N Federal Blvd, Riverton, WY 82501
CD's & IRA's Min. - 1 Year
$0
3.55% ▲ 0.25% above Wyoming avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average3.30%▲ 0.25% above avgNationally 2.99%
Details

$25,000.00-$99,999.99

Rate History
1 change since Sep 19, 2026 · 3.30% → 3.55% ▲ 0.25 pts · high 3.55% / low 3.30%
2.80%3.43%4.05%Sep 19, 2026: 3.30% APYSep 27, 2026: 3.55% APYSep 19, 2026Oct 13, 2026
  • Sep 27, 20263.55%▲ from 3.30%
  • Sep 19, 20263.30%first recorded
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
2717 S Douglas Hwy, Gillette, WY 82718 6417
12 Month Certificate
$500
3.55% ▲ 0.25% above Wyoming avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average3.30%▲ 0.25% above avgNationally 2.99%
Details

Honors Rate: 3.60%; Platinum Rate: 3.75%

Rate History
2 changes since Sep 14, 2026 · 3.65% → 3.55% ▼ 0.10 pts · high 3.65% / low 3.55%
3.05%3.60%4.15%Sep 14, 2026: 3.65% APYOct 1, 2026: 3.56% APYOct 6, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
  • Oct 6, 20263.55%▼ from 3.56%
  • Oct 1, 20263.56%▼ from 3.65%
  • Sep 14, 20263.65%first recorded
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
2717 S Douglas Hwy, Gillette, WY 82718 6417
12 Month IRA Share Certificate
$500
3.55% ▲ 0.25% above Wyoming avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average3.30%▲ 0.25% above avgNationally 2.99%
Details

Rate History
1 change since Oct 1, 2026 · 3.56% → 3.55% ▼ 0.01 pts · high 3.56% / low 3.55%
3.05%3.55%4.06%Oct 1, 2026: 3.56% APYOct 6, 2026: 3.55% APYOct 1, 2026Oct 13, 2026
  • Oct 6, 20263.55%▼ from 3.56%
  • Oct 1, 20263.56%first recorded
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
840 Hitching Post Dr, Green River, WY 82935 5554
12 Month Certificate
$200
3.55% ▲ 0.25% above Wyoming avg
View
▼
Rate3.50%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average3.30%▲ 0.25% above avgNationally 2.99%
Details

Term: 12 Month Certificate (365 days)

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.55% ▼ 0.10 pts · high 3.65% / low 3.55%
3.05%3.60%4.15%Sep 14, 2026: 3.65% APYSep 22, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
  • Sep 22, 20263.55%▼ from 3.65%
  • Sep 14, 20263.65%first recorded
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
840 Hitching Post Dr, Green River, WY 82935 5554
Business 12 Month Certificate
$200
3.55% ▲ 0.25% above Wyoming avg
View
▼
Rate3.50%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average3.30%▲ 0.25% above avgNationally 2.99%
Details

Term: 12 Month Certificate (365 Days)

Rate History
No change since Oct 6, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 6, 2026: 3.55% APYOct 6, 2026Oct 13, 2026
Hilltop National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
300 Country Club Rd, Casper, WY 82609
SPECIAL: 12 Months Certificate of Deposit
$1,000
3.51% ▲ 0.21% above Wyoming avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.30%▲ 0.21% above avgNationally 2.99%
Details

Published APY range: 3.45% / 3.51%. Balance: $100,000 +

Rate History
1 change since Oct 7, 2026 · 3.45% → 3.51% ▲ 0.06 pts · high 3.51% / low 3.45%
2.95%3.48%4.01%Oct 7, 2026: 3.45% APYOct 7, 2026: 3.51% APYOct 7, 2026Oct 13, 2026
  • Oct 7, 20263.51%▲ from 3.45%
  • Oct 7, 20263.45%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
1-Year Certificate
$50,000
3.50% ▲ 0.20% above Wyoming avg
View
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.30%▲ 0.20% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
1-Year IRA
$0
3.50% ▲ 0.20% above Wyoming avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.30%▲ 0.20% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.45% → 3.50% ▲ 0.05 pts · high 3.50% / low 3.45%
2.95%3.48%4.00%Sep 18, 2026: 3.45% APYSep 24, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
  • Sep 24, 20263.50%▲ from 3.45%
  • Sep 18, 20263.45%first recorded
Uniwyo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1000 E University Ave, Laramie, WY 82071 2000
IRA and HSA Share Certificate - 1 Year IRA / 1 Year HSA
$100
3.50% ▲ 0.20% above Wyoming avg
View
▼
Rate3.46%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.30%▲ 0.20% above avgNationally 2.99%
Details

Applies to IRA and HSA share certificates; not eligible for the military or youth 0.50% APY bump

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 13, 2026
Uniwyo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1000 E University Ave, Laramie, WY 82071 2000
Share Certificate - 1 Year
$100
3.50% ▲ 0.20% above Wyoming avg
View
▼
Rate3.46%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.30%▲ 0.20% above avgNationally 2.99%
Details

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 13, 2026
FNB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
24 N Sumner Ave, Newcastle, WY 82701
12 Month Certificate (1 Year)
$100
3.49% ▲ 0.19% above Wyoming avg
View
▼
Rate3.45%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.30%▲ 0.19% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 3.49% APY · checked 2 times
2.99%3.49%3.99%Oct 8, 2026: 3.49% APYOct 8, 2026Oct 13, 2026
FNB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
24 N Sumner Ave, Newcastle, WY 82701
12 Month Certificate of Deposit
$100
3.49% ▲ 0.19% above Wyoming avg
View
▼
Rate3.45%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.30%▲ 0.19% above avgNationally 2.99%
Details

Rate History
1 change since Sep 24, 2026 · 3.19% → 3.49% ▲ 0.30 pts · high 3.49% / low 3.19%
2.69%3.34%3.99%Sep 24, 2026: 3.19% APYOct 3, 2026: 3.49% APYSep 24, 2026Oct 13, 2026
  • Oct 3, 20263.49%▲ from 3.19%
  • Sep 24, 20263.19%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
1-Year Certificate
$0
3.45% ▲ 0.15% above Wyoming avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.30%▲ 0.15% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 7 times
2.95%3.45%3.95%Sep 18, 2026: 3.45% APYSep 18, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
1-Year IRA
$0
3.45% ▲ 0.15% above Wyoming avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.30%▲ 0.15% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 7 times
2.95%3.45%3.95%Sep 18, 2026: 3.45% APYSep 18, 2026Oct 13, 2026
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
1700 N Federal Blvd, Riverton, WY 82501
1 Year Certificate
$1,000
3.45% ▲ 0.15% above Wyoming avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average3.30%▲ 0.15% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Oct 7, 2026: 3.45% APYOct 7, 2026Oct 13, 2026
Citco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
502 N Main St, Sheridan, WY 82801
Share Certificates - 12 month
$0
3.40% ▲ 0.10% above Wyoming avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.30%▲ 0.10% above avgNationally 2.99%
Details

Interest rate shown in APR column

Rate History
No change since Oct 12, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 12, 2026: 3.40% APYOct 12, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
1-Year Certificate
$1,000
3.40% ▲ 0.10% above Wyoming avg
View
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.30%▲ 0.10% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 7 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
1-Year IRA
$1,000
3.40% ▲ 0.10% above Wyoming avg
View
▼
Rate3.34%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.30%▲ 0.10% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.45% → 3.40% ▼ 0.05 pts · high 3.45% / low 3.40%
2.90%3.43%3.95%Sep 18, 2026: 3.45% APYOct 7, 2026: 3.40% APYSep 18, 2026Oct 13, 2026
  • Oct 7, 20263.40%▼ from 3.45%
  • Sep 18, 20263.45%first recorded
Big Horn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
33 N 6th St, Greybull, WY 82426
1 year CD
$500
3.30% At Wyoming avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average3.30%At the averageNationally 2.99%
Details

Entire Balance

Rate History
No change since Sep 11, 2026 · 3.30% APY · checked 8 times
2.80%3.30%3.80%Sep 11, 2026: 3.30% APYSep 11, 2026Oct 13, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
99 S Main St, Buffalo, WY 82834
12 Month Certificate
$1,000
3.30% At Wyoming avg
View
▼
Rate3.26%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.30%At the averageNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 7, 2026: 3.30% APYOct 7, 2026Oct 13, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
99 S Main St, Buffalo, WY 82834
Business 12 Month Certificate
$1,000
3.30% At Wyoming avg
View
▼
Rate3.26%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.30%At the averageNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 7, 2026: 3.30% APYOct 7, 2026Oct 13, 2026
Acpe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
2835 E Grand Ave, Laramie, WY 82070 5276
Share Certificate - 12 Months
$250
3.30% At Wyoming avg
View
▼
Rate3.25%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wyoming Average3.30%At the averageNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.20% → 3.30% ▲ 0.10 pts · high 3.30% / low 3.20%
2.70%3.25%3.80%Sep 14, 2026: 3.20% APYOct 5, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.30%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
Hilltop National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
300 Country Club Rd, Casper, WY 82609
SPECIAL: 12 Months Certificate of Deposit
$1,000
3.25% ▼ 0.05% below Wyoming avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.30%▼ 0.05% below avgNationally 2.99%
Details

Published APY range: 3.20% / 3.25%. Balance: $50,000-$99,999

Rate History
1 change since Oct 7, 2026 · 3.20% → 3.25% ▲ 0.05 pts · high 3.25% / low 3.20%
2.70%3.23%3.75%Oct 7, 2026: 3.20% APYOct 7, 2026: 3.25% APYOct 7, 2026Oct 13, 2026
  • Oct 7, 20263.25%▲ from 3.20%
  • Oct 7, 20263.20%first recorded
Western Vista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
3207 Sparks Rd, Cheyenne, WY 82001
12 Month Share Certificate
$500
3.25% ▼ 0.05% below Wyoming avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.30%▼ 0.05% below avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 8, 2026: 3.25% APYOct 8, 2026Oct 13, 2026
Western Vista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
3207 Sparks Rd, Cheyenne, WY 82001
Traditional & ROTH IRA - 12 Mos.
$0
3.25% ▼ 0.05% below Wyoming avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.30%▼ 0.05% below avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 8, 2026: 3.25% APYOct 8, 2026Oct 13, 2026
Security State Bank Basin, WY
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
201 S 4th St, Basin, WY 82410
12 Month CD
$1,000
3.09% ▼ 0.21% below Wyoming avg
View
▼
Rate3.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.30%▼ 0.21% below avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.09% APY · checked 7 times
2.59%3.09%3.59%Sep 14, 2026: 3.09% APYSep 14, 2026Oct 13, 2026
First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
120 W Carlson St, Cheyenne, WY 82009
12-Month Certificate
$0
3.04% ▼ 0.26% below Wyoming avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.30%▼ 0.26% below avgNationally 2.99%
Details

Payment Frequency: quarterly

Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 5 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 13, 2026
First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
120 W Carlson St, Cheyenne, WY 82009
IRA 12-Month Certificate
$0
3.04% ▼ 0.26% below Wyoming avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.30%▼ 0.26% below avgNationally 2.99%
Details

Individual Retirement Account Rates

Rate History
No change since Oct 12, 2026 · 3.04% APY
2.54%3.04%3.54%Oct 12, 2026: 3.04% APYOct 12, 2026Oct 13, 2026
Sunlight Federal Credit Union
Institution Rating:
D3.2 ★Texas Ratio: 37.01%
1702 17th St, Cody, WY 82414
1 Year Share Certificate
$500
3.04% ▼ 0.26% below Wyoming avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.30%▼ 0.26% below avgNationally 2.99%
Details

Early Withdrawal Penalty: 180 Days Interest

Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 6 times
2.54%3.04%3.54%Sep 18, 2026: 3.04% APYSep 18, 2026Oct 13, 2026
Hilltop National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
300 Country Club Rd, Casper, WY 82609
SPECIAL: 12 Months Certificate of Deposit
$1,000
2.99% ▼ 0.31% below Wyoming avg
View
▼
Rate2.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.30%▼ 0.31% below avgNationally 2.99%
Details

Published APY range: 2.95% / 2.99%. Balance: $1,000- $49,999

Rate History
1 change since Oct 7, 2026 · 2.95% → 2.99% ▲ 0.04 pts · high 2.99% / low 2.95%
2.45%2.97%3.49%Oct 7, 2026: 2.95% APYOct 7, 2026: 2.99% APYOct 7, 2026Oct 13, 2026
  • Oct 7, 20262.99%▲ from 2.95%
  • Oct 7, 20262.95%first recorded
Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
4523 Driftwood Dr, Cheyenne, WY 82009 7301
Share Certificates - 12 Month
$500
2.25% ▼ 1.05% below Wyoming avg
View
▼
Rate2.24%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.30%▼ 1.05% below avgNationally 2.99%
Details

Rate History
No change since Sep 12, 2026 · 2.25% APY · checked 5 times
1.75%2.25%2.75%Sep 12, 2026: 2.25% APYSep 12, 2026Oct 13, 2026
Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
4523 Driftwood Dr, Cheyenne, WY 82009 7301
Share Certificates - IRA 12 Month
$500
2.25% ▼ 1.05% below Wyoming avg
View
▼
Rate2.24%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.30%▼ 1.05% below avgNationally 2.99%
Details

IRA

Rate History
No change since Sep 12, 2026 · 2.25% APY · checked 2 times
1.75%2.25%2.75%Sep 12, 2026: 2.25% APYSep 12, 2026Oct 13, 2026

Wyoming 18 Month CD Rates

MonitorBankRates Wyoming Average · 18 Month CD2.98% APY▼ 0.01% from last weekNational 2.87%
View 18-month CD rate trend

The average 18-month CD rate in Wyoming is 2.98% APY, compared with 2.87% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hilltop National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
300 Country Club Rd, Casper, WY 82609
18 Month Variable IRA Time Deposit
$1,000
4.39% ▲ 1.41% above Wyoming avg
View
▼
Rate4.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average2.98%▲ 1.41% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 4.39% APY · checked 3 times
3.89%4.39%4.89%Oct 7, 2026: 4.39% APYOct 7, 2026Oct 13, 2026
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
485 S Washington St, Afton, WY 83110
Share Certificates - 18 months
$0
3.75% ▲ 0.77% above Wyoming avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.98%▲ 0.77% above avgNationally 2.87%
Details

Rate History
No change since Oct 12, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 13, 2026
FNB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
24 N Sumner Ave, Newcastle, WY 82701
IRA Fixed - 18 Month
$25
3.65% ▲ 0.67% above Wyoming avg
View
▼
Rate3.60%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.98%▲ 0.67% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.14% → 3.65% ▲ 0.51 pts · high 3.65% / low 3.14%
2.63%3.40%4.16%Sep 14, 2026: 3.14% APYOct 3, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Oct 3, 20263.65%▲ from 3.14%
  • Sep 14, 20263.14%first recorded
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
1508 Stillwater Ave, Cheyenne, WY 82009
18 Month CD
$0
3.60% ▲ 0.62% above Wyoming avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average2.98%▲ 0.62% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 8 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Uniwyo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1000 E University Ave, Laramie, WY 82071 2000
Share Certificate - 18 Month
$100
3.60% ▲ 0.62% above Wyoming avg
View
▼
Rate3.55%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.98%▲ 0.62% above avgNationally 2.87%
Details

Rate History
No change since Oct 12, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 12, 2026: 3.60% APYOct 12, 2026Oct 13, 2026
FNB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
24 N Sumner Ave, Newcastle, WY 82701
18 Month Certificate (1.5 Year)
$100
3.55% ▲ 0.57% above Wyoming avg
View
▼
Rate3.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.98%▲ 0.57% above avgNationally 2.87%
Details

Rate History
No change since Oct 8, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 8, 2026: 3.55% APYOct 8, 2026Oct 13, 2026
FNB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
24 N Sumner Ave, Newcastle, WY 82701
18 Month Certificate of Deposit
$100
3.55% ▲ 0.57% above Wyoming avg
View
▼
Rate3.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.98%▲ 0.57% above avgNationally 2.87%
Details

Rate History
1 change since Sep 24, 2026 · 3.03% → 3.55% ▲ 0.52 pts · high 3.55% / low 3.03%
2.51%3.29%4.07%Sep 24, 2026: 3.03% APYOct 3, 2026: 3.55% APYSep 24, 2026Oct 13, 2026
  • Oct 3, 20263.55%▲ from 3.03%
  • Sep 24, 20263.03%first recorded
FNB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
24 N Sumner Ave, Newcastle, WY 82701
IRA Variable - 18 Month
$25
3.55% ▲ 0.57% above Wyoming avg
View
▼
Rate3.50%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.98%▲ 0.57% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.03% → 3.55% ▲ 0.52 pts · high 3.55% / low 3.03%
2.51%3.29%4.07%Sep 14, 2026: 3.03% APYOct 3, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
  • Oct 3, 20263.55%▲ from 3.03%
  • Sep 14, 20263.03%first recorded
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
840 Hitching Post Dr, Green River, WY 82935 5554
18 Month Certificate
$0
3.50% ▲ 0.52% above Wyoming avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average2.98%▲ 0.52% above avgNationally 2.87%
Details

Term: 18 Month Certificate (547 Days); Dividends Post Quarterly

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
840 Hitching Post Dr, Green River, WY 82935 5554
IRA Certificate - 18 Month Certificate
$0
3.50% ▲ 0.52% above Wyoming avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average2.98%▲ 0.52% above avgNationally 2.87%
Details

Term: 18 Month Certificate (547 Days); Dividends Post Quarterly

Rate History
No change since Oct 6, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 6, 2026: 3.50% APYOct 6, 2026Oct 13, 2026
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
384 S Washington St, Afton, WY 83110
18 Month Variable Certificate
$250
3.42% ▲ 0.44% above Wyoming avg
View
▼
Rate3.38%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.98%▲ 0.44% above avgNationally 2.87%
Details

Rate: 50% of Wall Street Journal Prime

Rate History
No change since Sep 14, 2026 · 3.42% APY · checked 7 times
2.92%3.42%3.92%Sep 14, 2026: 3.42% APYSep 14, 2026Oct 13, 2026
Big Horn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
33 N 6th St, Greybull, WY 82426
18 month CD
$500
3.41% ▲ 0.43% above Wyoming avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average2.98%▲ 0.43% above avgNationally 2.87%
Details

Entire Balance

Rate History
No change since Sep 11, 2026 · 3.41% APY · checked 8 times
2.91%3.41%3.91%Sep 11, 2026: 3.41% APYSep 11, 2026Oct 13, 2026
WyHy Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.60%
1715 Stillwater Ave, Cheyenne, WY 82009 7359
18 Month Jumbo Term Certificates & Jumbo IRA Term Certificates
$50,000
3.40% ▲ 0.42% above Wyoming avg
View
▼
Rate3.36%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.98%▲ 0.42% above avgNationally 2.87%
Details

Fixed rate for term, Quarterly Paid Interest

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 5 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 13, 2026
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
840 Hitching Post Dr, Green River, WY 82935 5554
18 Month Certificate
$200
3.40% ▲ 0.42% above Wyoming avg
View
▼
Rate3.36%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average2.98%▲ 0.42% above avgNationally 2.87%
Details

Term: 18 Month Certificate (547 days)

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.40% ▼ 0.10 pts · high 3.50% / low 3.40%
2.90%3.45%4.00%Sep 14, 2026: 3.50% APYSep 22, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
  • Sep 22, 20263.40%▼ from 3.50%
  • Sep 14, 20263.50%first recorded
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
840 Hitching Post Dr, Green River, WY 82935 5554
Business 18 Month Certificate
$200
3.40% ▲ 0.42% above Wyoming avg
View
▼
Rate3.36%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average2.98%▲ 0.42% above avgNationally 2.87%
Details

Term: 18 Month Certificate (547 Days)

Rate History
No change since Oct 6, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 6, 2026: 3.40% APYOct 6, 2026Oct 13, 2026
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
384 S Washington St, Afton, WY 83110
18 Month Certificate
$250
3.39% ▲ 0.41% above Wyoming avg
View
▼
Rate3.35%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.98%▲ 0.41% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.39% APY · checked 7 times
2.89%3.39%3.89%Sep 14, 2026: 3.39% APYSep 14, 2026Oct 13, 2026
WyHy Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.60%
1715 Stillwater Ave, Cheyenne, WY 82009 7359
18 Month Term Certificates & IRA Term Certificates
$500
3.35% ▲ 0.37% above Wyoming avg
View
▼
Rate3.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.98%▲ 0.37% above avgNationally 2.87%
Details

Fixed rate for term, Quarterly Paid Interest; also available as IRA Term Certificate

Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Oct 13, 2026
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
384 S Washington St, Afton, WY 83110
18 Month Certificate
$250
3.29% ▲ 0.31% above Wyoming avg
View
▼
Rate3.25%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.98%▲ 0.31% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 7 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
2223 Warren Ave, Cheyenne, WY 82001
18 Month Certificates and IRA Share Certificates
$500
3.20% ▲ 0.22% above Wyoming avg
View
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.98%▲ 0.22% above avgNationally 2.87%
Details

Pay monthly; Share Certificates may be added to in $100 increments up to an additional $5,000 during the term

Rate History
No change since Oct 12, 2026 · 3.20% APY
2.70%3.20%3.70%Oct 12, 2026: 3.20% APYOct 12, 2026Oct 13, 2026
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
2223 Warren Ave, Cheyenne, WY 82001
Business Certificate - 18 months
$500
3.20% ▲ 0.22% above Wyoming avg
View
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.98%▲ 0.22% above avgNationally 2.87%
Details

Rate History
No change since Oct 12, 2026 · 3.20% APY
2.70%3.20%3.70%Oct 12, 2026: 3.20% APYOct 12, 2026Oct 13, 2026
Security State Bank Basin, WY
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
201 S 4th St, Basin, WY 82410
18 Month CD
$1,000
3.04% ▲ 0.06% above Wyoming avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.98%▲ 0.06% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 7 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 13, 2026
Western Vista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
3207 Sparks Rd, Cheyenne, WY 82001
18 Month Share Certificate
$500
3.00% ▲ 0.02% above Wyoming avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.98%▲ 0.02% above avgNationally 2.87%
Details

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 13, 2026
Western Vista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
3207 Sparks Rd, Cheyenne, WY 82001
Traditional & ROTH IRA - 18 Mos.
$0
3.00% ▲ 0.02% above Wyoming avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.98%▲ 0.02% above avgNationally 2.87%
Details

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 13, 2026
Citco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
502 N Main St, Sheridan, WY 82801
Share Certificates - 18 month
$0
2.79% ▼ 0.19% below Wyoming avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.98%▼ 0.19% below avgNationally 2.87%
Details

Interest rate shown in APR column

Rate History
No change since Oct 12, 2026 · 2.79% APY
2.29%2.79%3.29%Oct 12, 2026: 2.79% APYOct 12, 2026Oct 13, 2026
Sunlight Federal Credit Union
Institution Rating:
D3.2 ★Texas Ratio: 37.01%
1702 17th St, Cody, WY 82414
18 Month Share Certificate
$500
2.78% ▼ 0.20% below Wyoming avg
View
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.98%▼ 0.20% below avgNationally 2.87%
Details

Early Withdrawal Penalty: 180 Days Interest

Rate History
No change since Sep 18, 2026 · 2.78% APY · checked 6 times
2.28%2.78%3.28%Sep 18, 2026: 2.78% APYSep 18, 2026Oct 13, 2026
Security State Bank Basin, WY
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
201 S 4th St, Basin, WY 82410
18 Month CD
$1,000
2.63% ▼ 0.35% below Wyoming avg
View
▼
Rate2.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.98%▼ 0.35% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 2.63% APY · checked 7 times
2.13%2.63%3.13%Sep 14, 2026: 2.63% APYSep 14, 2026Oct 13, 2026
First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
120 W Carlson St, Cheyenne, WY 82009
18-Month Certificate
$0
2.53% ▼ 0.45% below Wyoming avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.98%▼ 0.45% below avgNationally 2.87%
Details

Payment Frequency: quarterly

Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 5 times
2.03%2.53%3.03%Sep 14, 2026: 2.53% APYSep 14, 2026Oct 13, 2026
Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
4523 Driftwood Dr, Cheyenne, WY 82009 7301
Share Certificates - 18 Month
$500
2.31% ▼ 0.67% below Wyoming avg
View
▼
Rate2.29%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.98%▼ 0.67% below avgNationally 2.87%
Details

Rate History
No change since Sep 12, 2026 · 2.31% APY · checked 5 times
1.81%2.31%2.81%Sep 12, 2026: 2.31% APYSep 12, 2026Oct 13, 2026
Hilltop National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
300 Country Club Rd, Casper, WY 82609
18 Months Certificate of Deposit
$1,000
1.66% ▼ 1.32% below Wyoming avg
View
▼
Rate1.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average2.98%▼ 1.32% below avgNationally 2.87%
Details

Published APY range: 1.65% / 1.66%. Balance: $50,000 +

Rate History
1 change since Oct 7, 2026 · 1.65% → 1.66% ▲ 0.01 pts · high 1.66% / low 1.65%
1.15%1.66%2.16%Oct 7, 2026: 1.65% APYOct 7, 2026: 1.66% APYOct 7, 2026Oct 13, 2026
  • Oct 7, 20261.66%▲ from 1.65%
  • Oct 7, 20261.65%first recorded
Hilltop National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
300 Country Club Rd, Casper, WY 82609
18 Months Certificate of Deposit
$1,000
1.61% ▼ 1.37% below Wyoming avg
View
▼
Rate1.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average2.98%▼ 1.37% below avgNationally 2.87%
Details

Published APY range: 1.60% / 1.61%. Balance: $1,000- $49,999

Rate History
1 change since Oct 7, 2026 · 1.60% → 1.61% ▲ 0.01 pts · high 1.61% / low 1.60%
1.10%1.61%2.11%Oct 7, 2026: 1.60% APYOct 7, 2026: 1.61% APYOct 7, 2026Oct 13, 2026
  • Oct 7, 20261.61%▲ from 1.60%
  • Oct 7, 20261.60%first recorded
Jonah Bank of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
777 W 1st St, Casper, WY 82601
18 Month CD
$0
1.56% ▼ 1.42% below Wyoming avg
View
▼
Rate1.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average2.98%▼ 1.42% below avgNationally 2.87%
Details

Rate History
No change since Sep 19, 2026 · 1.56% APY · checked 2 times
1.06%1.56%2.06%Sep 19, 2026: 1.56% APYSep 19, 2026Oct 13, 2026
Hilltop National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
300 Country Club Rd, Casper, WY 82609
18 Months IRA Time Deposit
$1,000
1.16% ▼ 1.82% below Wyoming avg
View
▼
Rate1.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average2.98%▼ 1.82% below avgNationally 2.87%
Details

Published APY range: 1.15% / 1.16%.

Rate History
1 change since Oct 7, 2026 · 1.15% → 1.16% ▲ 0.01 pts · high 1.16% / low 1.15%
0.65%1.15%1.66%Oct 7, 2026: 1.15% APYOct 7, 2026: 1.16% APYOct 7, 2026Oct 13, 2026
  • Oct 7, 20261.16%▲ from 1.15%
  • Oct 7, 20261.15%first recorded
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
848 Main St, Evanston, WY 82930
18 Month IRA Certificates
$0
0.75% ▼ 2.23% below Wyoming avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average2.98%▼ 2.23% below avgNationally 2.87%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 6, 2026: 0.75% APYOct 6, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
848 Main St, Evanston, WY 82930
18 Month Standard CD
$0
0.75% ▼ 2.23% below Wyoming avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average2.98%▼ 2.23% below avgNationally 2.87%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 13, 2026

Wyoming 24 Month CD Rates

MonitorBankRates Wyoming Average · 24 Month CD3.15% APY▲ 0.03% from last weekNational 2.88%
View 24-month CD rate trend

The average 24-month CD rate in Wyoming is 3.15% APY, compared with 2.88% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Buffalo Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
106 Fort St, Buffalo, WY 82834
24 Month CD
$500
4.19% ▲ 1.04% above Wyoming avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average3.15%▲ 1.04% above avgNationally 2.88%
Details

Rate History
No change since Oct 11, 2026 · 4.19% APY
3.69%4.19%4.69%Oct 11, 2026: 4.19% APYOct 11, 2026Oct 13, 2026
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1902 Cougar Ave, Cody, WY 82414
24 Month Certificate
$500
4.18% ▲ 1.03% above Wyoming avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average3.15%▲ 1.03% above avgNationally 2.88%
Details

Limited time special! Rates effective as of October 1, 2026. Penalty for early withdrawal.

Rate History
1 change since Sep 14, 2026 · 3.66% → 4.18% ▲ 0.52 pts · high 4.18% / low 3.66%
3.14%3.92%4.70%Sep 14, 2026: 3.66% APYOct 10, 2026: 4.18% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.18%▲ from 3.66%
  • Sep 14, 20263.66%first recorded
StagePoint Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
365 N 3rd St, Laramie, WY 82072
24 Month Share Certificate
$0
3.82% ▲ 0.67% above Wyoming avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.15%▲ 0.67% above avgNationally 2.88%
Details

Published rate range: As high as 3.75%.

Rate History
No change since Sep 25, 2026 · 3.82% APY · checked 4 times
3.32%3.82%4.32%Sep 25, 2026: 3.82% APYSep 25, 2026Oct 13, 2026
Grand Altitude Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
1701 N Federal Blvd, Riverton, WY 82501 5201
Share & IRA Certificates - 24 Month
$0
3.80% ▲ 0.65% above Wyoming avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wyoming Average3.15%▲ 0.65% above avgNationally 2.88%
Details

Balance: $500; Certificates with a balance of $50,000 or more receive a 10 basis point premium; Early withdrawal penalties apply

Rate History
No change since Oct 9, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 9, 2026: 3.80% APYOct 9, 2026Oct 13, 2026
Sheridan Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
141 S Gould St, Sheridan, WY 82801
24 Month Certificate
$0
3.75% ▲ 0.60% above Wyoming avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.15%▲ 0.60% above avgNationally 2.88%
Details

Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 25, 2026: 3.75% APYSep 25, 2026Oct 13, 2026
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
485 S Washington St, Afton, WY 83110
Share Certificates - 24 months
$0
3.75% ▲ 0.60% above Wyoming avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.15%▲ 0.60% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 13, 2026
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
1700 N Federal Blvd, Riverton, WY 82501
CD's & IRA's Min. - 2 Year
$0
3.70% ▲ 0.55% above Wyoming avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average3.15%▲ 0.55% above avgNationally 2.88%
Details

Rate History
1 change since Sep 19, 2026 · 3.45% → 3.70% ▲ 0.25 pts · high 3.70% / low 3.45%
2.95%3.58%4.20%Sep 19, 2026: 3.45% APYSep 27, 2026: 3.70% APYSep 19, 2026Oct 13, 2026
  • Sep 27, 20263.70%▲ from 3.45%
  • Sep 19, 20263.45%first recorded
Uniwyo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1000 E University Ave, Laramie, WY 82071 2000
Share Certificate - 2 Year
$100
3.70% ▲ 0.55% above Wyoming avg
View
▼
Rate3.65%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.15%▲ 0.55% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 12, 2026: 3.70% APYOct 12, 2026Oct 13, 2026
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
2717 S Douglas Hwy, Gillette, WY 82718 6417
24 Month Certificate
$500
3.65% ▲ 0.50% above Wyoming avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average3.15%▲ 0.50% above avgNationally 2.88%
Details

Honors Rate: 3.69%; Platinum Rate: 3.84%

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
2717 S Douglas Hwy, Gillette, WY 82718 6417
24 Month IRA Share Certificate
$500
3.65% ▲ 0.50% above Wyoming avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average3.15%▲ 0.50% above avgNationally 2.88%
Details

Rate History
No change since Oct 1, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Oct 1, 2026: 3.65% APYOct 1, 2026Oct 13, 2026
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
1700 N Federal Blvd, Riverton, WY 82501
CD's & IRA's Min. - 2 Year
$0
3.60% ▲ 0.45% above Wyoming avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average3.15%▲ 0.45% above avgNationally 2.88%
Details

$25,000.00-$99,999.99

Rate History
1 change since Sep 19, 2026 · 3.35% → 3.60% ▲ 0.25 pts · high 3.60% / low 3.35%
2.85%3.47%4.10%Sep 19, 2026: 3.35% APYSep 27, 2026: 3.60% APYSep 19, 2026Oct 13, 2026
  • Sep 27, 20263.60%▲ from 3.35%
  • Sep 19, 20263.35%first recorded
FNB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
24 N Sumner Ave, Newcastle, WY 82701
24 Month Certificate (2 Year)
$100
3.60% ▲ 0.45% above Wyoming avg
View
▼
Rate3.55%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.15%▲ 0.45% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 8, 2026: 3.60% APYOct 8, 2026Oct 13, 2026
FNB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
24 N Sumner Ave, Newcastle, WY 82701
24 Month Certificate of Deposit
$100
3.60% ▲ 0.45% above Wyoming avg
View
▼
Rate3.55%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.15%▲ 0.45% above avgNationally 2.88%
Details

Rate History
1 change since Sep 24, 2026 · 2.93% → 3.60% ▲ 0.67 pts · high 3.60% / low 2.93%
2.26%3.26%4.27%Sep 24, 2026: 2.93% APYOct 3, 2026: 3.60% APYSep 24, 2026Oct 13, 2026
  • Oct 3, 20263.60%▲ from 2.93%
  • Sep 24, 20262.93%first recorded
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
1700 N Federal Blvd, Riverton, WY 82501
2 Year Certificate
$1,000
3.50% ▲ 0.35% above Wyoming avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average3.15%▲ 0.35% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
Big Horn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
33 N 6th St, Greybull, WY 82426
2 year CD
$500
3.48% ▲ 0.33% above Wyoming avg
View
▼
Rate3.42%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average3.15%▲ 0.33% above avgNationally 2.88%
Details

Entire Balance

Rate History
No change since Sep 11, 2026 · 3.48% APY · checked 8 times
2.98%3.48%3.98%Sep 11, 2026: 3.48% APYSep 11, 2026Oct 13, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
99 S Main St, Buffalo, WY 82834
24 Month Certificate
$1,000
3.35% ▲ 0.20% above Wyoming avg
View
▼
Rate3.31%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.15%▲ 0.20% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 7, 2026: 3.35% APYOct 7, 2026Oct 13, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
99 S Main St, Buffalo, WY 82834
Business 24 Month Certificate
$1,000
3.35% ▲ 0.20% above Wyoming avg
View
▼
Rate3.31%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.15%▲ 0.20% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 7, 2026: 3.35% APYOct 7, 2026Oct 13, 2026
WyHy Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.60%
1715 Stillwater Ave, Cheyenne, WY 82009 7359
24 Month Jumbo Term Certificates & Jumbo IRA Term Certificates
$50,000
3.35% ▲ 0.20% above Wyoming avg
View
▼
Rate3.31%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.15%▲ 0.20% above avgNationally 2.88%
Details

Fixed rate for term, Quarterly Paid Interest

Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Oct 13, 2026
WyHy Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.60%
1715 Stillwater Ave, Cheyenne, WY 82009 7359
24 Month Term Certificates & IRA Term Certificates
$500
3.30% ▲ 0.15% above Wyoming avg
View
▼
Rate3.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.15%▲ 0.15% above avgNationally 2.88%
Details

Fixed rate for term, Quarterly Paid Interest; also available as IRA Term Certificate

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Oct 13, 2026
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
840 Hitching Post Dr, Green River, WY 82935 5554
24 Month Certificate
$0
3.30% ▲ 0.15% above Wyoming avg
View
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average3.15%▲ 0.15% above avgNationally 2.88%
Details

Term: 24 Month Certificate (730 Days); Dividends Post Quarterly

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 7 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
840 Hitching Post Dr, Green River, WY 82935 5554
IRA Certificate - 24 Month Certificate
$0
3.30% ▲ 0.15% above Wyoming avg
View
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average3.15%▲ 0.15% above avgNationally 2.88%
Details

Term: 24 Month Certificate (730 Days); Dividends Post Quarterly

Rate History
No change since Oct 6, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 6, 2026: 3.30% APYOct 6, 2026Oct 13, 2026
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
384 S Washington St, Afton, WY 83110
2 Year Certificate
$250
3.29% ▲ 0.14% above Wyoming avg
View
▼
Rate3.25%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.15%▲ 0.14% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 7 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
2223 Warren Ave, Cheyenne, WY 82001
24 Month Certificates and IRA Share Certificates
$500
3.25% ▲ 0.10% above Wyoming avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.15%▲ 0.10% above avgNationally 2.88%
Details

Pay monthly; Share Certificates may be added to in $100 increments up to an additional $5,000 during the term

Rate History
No change since Oct 12, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 12, 2026: 3.25% APYOct 12, 2026Oct 13, 2026
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
2223 Warren Ave, Cheyenne, WY 82001
Business Certificate - 24 months
$500
3.25% ▲ 0.10% above Wyoming avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.15%▲ 0.10% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 12, 2026: 3.25% APYOct 12, 2026Oct 13, 2026
Acpe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
2835 E Grand Ave, Laramie, WY 82070 5276
Share Certificate - 24 Months
$250
3.25% ▲ 0.10% above Wyoming avg
View
▼
Rate3.20%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wyoming Average3.15%▲ 0.10% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
CAMPCO
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
101 Ranch Dr, Wright, WY 82732
Share Certificate - 24 Month
$0
3.25% ▲ 0.10% above Wyoming avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average3.15%▲ 0.10% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
2.50%3.13%3.75%Sep 14, 2026: 3.00% APYOct 6, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
  • Oct 6, 20263.25%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
840 Hitching Post Dr, Green River, WY 82935 5554
24 Month Certificate
$200
3.20% ▲ 0.05% above Wyoming avg
View
▼
Rate3.16%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average3.15%▲ 0.05% above avgNationally 2.88%
Details

Term: 24 Month Certificate (730 days)

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.20% ▼ 0.10 pts · high 3.30% / low 3.20%
2.70%3.25%3.80%Sep 14, 2026: 3.30% APYSep 22, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
  • Sep 22, 20263.20%▼ from 3.30%
  • Sep 14, 20263.30%first recorded
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
840 Hitching Post Dr, Green River, WY 82935 5554
Business 24 Month Certificate
$200
3.20% ▲ 0.05% above Wyoming avg
View
▼
Rate3.16%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average3.15%▲ 0.05% above avgNationally 2.88%
Details

Term: 24 Month Certificate (730 Days)

Rate History
No change since Oct 6, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Oct 6, 2026: 3.20% APYOct 6, 2026Oct 13, 2026
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
384 S Washington St, Afton, WY 83110
2 Year Certificate
$250
3.19% ▲ 0.04% above Wyoming avg
View
▼
Rate3.15%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.15%▲ 0.04% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.19% APY · checked 7 times
2.69%3.19%3.69%Sep 14, 2026: 3.19% APYSep 14, 2026Oct 13, 2026
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
384 S Washington St, Afton, WY 83110
One time Bump 2 year term
$250
3.19% ▲ 0.04% above Wyoming avg
View
▼
Rate3.15%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.15%▲ 0.04% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.19% APY · checked 7 times
2.69%3.19%3.69%Sep 14, 2026: 3.19% APYSep 14, 2026Oct 13, 2026
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
384 S Washington St, Afton, WY 83110
One Time Bump CD 2 year term
$250
3.09% ▼ 0.06% below Wyoming avg
View
▼
Rate3.05%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.15%▼ 0.06% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.09% APY · checked 7 times
2.59%3.09%3.59%Sep 14, 2026: 3.09% APYSep 14, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
2-Year Certificate
$0
3.05% ▼ 0.10% below Wyoming avg
View
▼
Rate3.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.15%▼ 0.10% below avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 7 times
2.55%3.05%3.55%Sep 18, 2026: 3.05% APYSep 18, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
2-Year IRA
$0
3.05% ▼ 0.10% below Wyoming avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.15%▼ 0.10% below avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 7 times
2.55%3.05%3.55%Sep 18, 2026: 3.05% APYSep 18, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
2-Year Certificate
$0
3.00% ▼ 0.15% below Wyoming avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.15%▼ 0.15% below avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
2-Year IRA
$0
3.00% ▼ 0.15% below Wyoming avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.15%▼ 0.15% below avgNationally 2.88%
Details

Rate History
2 changes since Sep 18, 2026 · 3.00% → 3.00% ▼ 0.00 pts · high 3.00% / low 2.95%
2.45%2.98%3.50%Sep 18, 2026: 3.00% APYSep 24, 2026: 2.95% APYOct 7, 2026: 3.00% APYSep 18, 2026Oct 13, 2026
  • Oct 7, 20263.00%▲ from 2.95%
  • Sep 24, 20262.95%▼ from 3.00%
  • Sep 18, 20263.00%first recorded
Western Vista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
3207 Sparks Rd, Cheyenne, WY 82001
24 Month Share Certificate
$500
3.00% ▼ 0.15% below Wyoming avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.15%▼ 0.15% below avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 13, 2026
Western Vista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
3207 Sparks Rd, Cheyenne, WY 82001
Traditional & ROTH IRA - 24 Mos.
$0
3.00% ▼ 0.15% below Wyoming avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.15%▼ 0.15% below avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
2-Year Certificate
$0
2.95% ▼ 0.20% below Wyoming avg
View
▼
Rate2.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.15%▼ 0.20% below avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 2.95% APY · checked 7 times
2.45%2.95%3.45%Sep 18, 2026: 2.95% APYSep 18, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
2-Year IRA
$0
2.95% ▼ 0.20% below Wyoming avg
View
▼
Rate2.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.15%▼ 0.20% below avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.00% → 2.95% ▼ 0.05 pts · high 3.00% / low 2.95%
2.45%2.98%3.50%Sep 18, 2026: 3.00% APYSep 24, 2026: 2.95% APYSep 18, 2026Oct 13, 2026
  • Sep 24, 20262.95%▼ from 3.00%
  • Sep 18, 20263.00%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
2-Year Certificate
$0
2.90% ▼ 0.25% below Wyoming avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.15%▼ 0.25% below avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 2.90% APY · checked 2 times
2.40%2.90%3.40%Oct 7, 2026: 2.90% APYOct 7, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
2-Year IRA
$1,000
2.90% ▼ 0.25% below Wyoming avg
View
▼
Rate2.86%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.15%▼ 0.25% below avgNationally 2.88%
Details

Rate History
2 changes since Sep 18, 2026 · 3.00% → 2.90% ▼ 0.10 pts · high 3.00% / low 2.90%
2.40%2.95%3.50%Sep 18, 2026: 3.00% APYSep 24, 2026: 2.95% APYOct 7, 2026: 2.90% APYSep 18, 2026Oct 13, 2026
  • Oct 7, 20262.90%▼ from 2.95%
  • Sep 24, 20262.95%▼ from 3.00%
  • Sep 18, 20263.00%first recorded
Security State Bank Basin, WY
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
201 S 4th St, Basin, WY 82410
24 Month CD
$1,000
2.78% ▼ 0.37% below Wyoming avg
View
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.15%▼ 0.37% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.78% APY · checked 7 times
2.28%2.78%3.28%Sep 14, 2026: 2.78% APYSep 14, 2026Oct 13, 2026
Sunlight Federal Credit Union
Institution Rating:
D3.2 ★Texas Ratio: 37.01%
1702 17th St, Cody, WY 82414
2 Year Share Certificate
$500
2.78% ▼ 0.37% below Wyoming avg
View
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.15%▼ 0.37% below avgNationally 2.88%
Details

Early Withdrawal Penalty: 180 Days Interest

Rate History
No change since Sep 18, 2026 · 2.78% APY · checked 6 times
2.28%2.78%3.28%Sep 18, 2026: 2.78% APYSep 18, 2026Oct 13, 2026
First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
120 W Carlson St, Cheyenne, WY 82009
24-Month Certificate
$0
2.63% ▼ 0.52% below Wyoming avg
View
▼
Rate2.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.15%▼ 0.52% below avgNationally 2.88%
Details

Payment Frequency: quarterly

Rate History
No change since Sep 14, 2026 · 2.63% APY · checked 5 times
2.13%2.63%3.13%Sep 14, 2026: 2.63% APYSep 14, 2026Oct 13, 2026
First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
120 W Carlson St, Cheyenne, WY 82009
IRA 24-Month Certificate
$0
2.63% ▼ 0.52% below Wyoming avg
View
▼
Rate2.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.15%▼ 0.52% below avgNationally 2.88%
Details

Individual Retirement Account Rates

Rate History
No change since Oct 12, 2026 · 2.63% APY
2.13%2.63%3.13%Oct 12, 2026: 2.63% APYOct 12, 2026Oct 13, 2026
Citco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
502 N Main St, Sheridan, WY 82801
Share Certificates - 24 month
$0
2.53% ▼ 0.62% below Wyoming avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.15%▼ 0.62% below avgNationally 2.88%
Details

Interest rate shown in APR column

Rate History
No change since Oct 12, 2026 · 2.53% APY
2.03%2.53%3.03%Oct 12, 2026: 2.53% APYOct 12, 2026Oct 13, 2026
Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
4523 Driftwood Dr, Cheyenne, WY 82009 7301
Share Certificates - 24 Month
$500
2.36% ▼ 0.79% below Wyoming avg
View
▼
Rate2.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.15%▼ 0.79% below avgNationally 2.88%
Details

Rate History
No change since Sep 12, 2026 · 2.36% APY · checked 5 times
1.86%2.36%2.86%Sep 12, 2026: 2.36% APYSep 12, 2026Oct 13, 2026
Hilltop National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
300 Country Club Rd, Casper, WY 82609
24 Months Certificate of Deposit
$1,000
1.76% ▼ 1.39% below Wyoming avg
View
▼
Rate1.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.15%▼ 1.39% below avgNationally 2.88%
Details

Published APY range: 1.75% /1.76 %. Balance: $50,000 +

Rate History
1 change since Oct 7, 2026 · 1.75% → 1.76% ▲ 0.01 pts · high 1.76% / low 1.75%
1.25%1.76%2.26%Oct 7, 2026: 1.75% APYOct 7, 2026: 1.76% APYOct 7, 2026Oct 13, 2026
  • Oct 7, 20261.76%▲ from 1.75%
  • Oct 7, 20261.75%first recorded
Hilltop National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
300 Country Club Rd, Casper, WY 82609
24 Months Certificate of Deposit
$1,000
1.71% ▼ 1.44% below Wyoming avg
View
▼
Rate1.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.15%▼ 1.44% below avgNationally 2.88%
Details

Published APY range: 1.70% / 1.71%. Balance: $1,000- $49,999

Rate History
1 change since Oct 7, 2026 · 1.70% → 1.71% ▲ 0.01 pts · high 1.71% / low 1.70%
1.20%1.71%2.21%Oct 7, 2026: 1.70% APYOct 7, 2026: 1.71% APYOct 7, 2026Oct 13, 2026
  • Oct 7, 20261.71%▲ from 1.70%
  • Oct 7, 20261.70%first recorded
Jonah Bank of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
777 W 1st St, Casper, WY 82601
2 Year CD
$0
1.61% ▼ 1.54% below Wyoming avg
View
▼
Rate1.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.15%▼ 1.54% below avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 1.61% APY · checked 2 times
1.11%1.61%2.11%Sep 19, 2026: 1.61% APYSep 19, 2026Oct 13, 2026

Wyoming 36 Month CD Rates

MonitorBankRates Wyoming Average · 36 Month CD3.03% APY▲ 0.01% from last weekNational 2.81%
View 36-month CD rate trend

The average 36-month CD rate in Wyoming is 3.03% APY, compared with 2.81% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
485 S Washington St, Afton, WY 83110
Share Certificates - 36 months
$0
4.30% ▲ 1.27% above Wyoming avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.03%▲ 1.27% above avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 12, 2026: 4.30% APYOct 12, 2026Oct 13, 2026
Grand Altitude Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
1701 N Federal Blvd, Riverton, WY 82501 5201
Share & IRA Certificates - 36 Month
$0
3.85% ▲ 0.82% above Wyoming avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wyoming Average3.03%▲ 0.82% above avgNationally 2.81%
Details

Balance: $500; Certificates with a balance of $50,000 or more receive a 10 basis point premium; Early withdrawal penalties apply

Rate History
No change since Oct 9, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 9, 2026: 3.85% APYOct 9, 2026Oct 13, 2026
StagePoint Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
365 N 3rd St, Laramie, WY 82072
36 Month Share Certificate
$0
3.82% ▲ 0.79% above Wyoming avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.03%▲ 0.79% above avgNationally 2.81%
Details

Published rate range: As high as 3.75%.

Rate History
No change since Sep 25, 2026 · 3.82% APY · checked 4 times
3.32%3.82%4.32%Sep 25, 2026: 3.82% APYSep 25, 2026Oct 13, 2026
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
1700 N Federal Blvd, Riverton, WY 82501
CD's & IRA's Min. - 3 Year
$0
3.75% ▲ 0.72% above Wyoming avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average3.03%▲ 0.72% above avgNationally 2.81%
Details

Rate History
1 change since Sep 19, 2026 · 3.45% → 3.75% ▲ 0.30 pts · high 3.75% / low 3.45%
2.95%3.60%4.25%Sep 19, 2026: 3.45% APYSep 27, 2026: 3.75% APYSep 19, 2026Oct 13, 2026
  • Sep 27, 20263.75%▲ from 3.45%
  • Sep 19, 20263.45%first recorded
Uniwyo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1000 E University Ave, Laramie, WY 82071 2000
IRA and HSA Share Certificate - 3 Year IRA
$100
3.75% ▲ 0.72% above Wyoming avg
View
▼
Rate3.70%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.03%▲ 0.72% above avgNationally 2.81%
Details

IRA share certificate; not eligible for the military or youth 0.50% APY bump

Rate History
No change since Oct 12, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 13, 2026
Uniwyo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1000 E University Ave, Laramie, WY 82071 2000
Share Certificate - 3 Year
$100
3.75% ▲ 0.72% above Wyoming avg
View
▼
Rate3.70%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.03%▲ 0.72% above avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 13, 2026
Big Horn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
33 N 6th St, Greybull, WY 82426
3 year CD
$500
3.69% ▲ 0.66% above Wyoming avg
View
▼
Rate3.62%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average3.03%▲ 0.66% above avgNationally 2.81%
Details

Entire Balance

Rate History
No change since Sep 11, 2026 · 3.69% APY · checked 8 times
3.19%3.69%4.19%Sep 11, 2026: 3.69% APYSep 11, 2026Oct 13, 2026
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
1700 N Federal Blvd, Riverton, WY 82501
CD's & IRA's Min. - 3 Year
$0
3.65% ▲ 0.62% above Wyoming avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average3.03%▲ 0.62% above avgNationally 2.81%
Details

$25,000.00-$99,999.99

Rate History
1 change since Sep 19, 2026 · 3.35% → 3.65% ▲ 0.30 pts · high 3.65% / low 3.35%
2.85%3.50%4.15%Sep 19, 2026: 3.35% APYSep 27, 2026: 3.65% APYSep 19, 2026Oct 13, 2026
  • Sep 27, 20263.65%▲ from 3.35%
  • Sep 19, 20263.35%first recorded
FNB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
24 N Sumner Ave, Newcastle, WY 82701
36 Month Certificate (3 Year)
$100
3.65% ▲ 0.62% above Wyoming avg
View
▼
Rate3.60%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.03%▲ 0.62% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 8, 2026: 3.65% APYOct 8, 2026Oct 13, 2026
FNB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
24 N Sumner Ave, Newcastle, WY 82701
36 Month Certificate of Deposit
$100
3.65% ▲ 0.62% above Wyoming avg
View
▼
Rate3.60%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.03%▲ 0.62% above avgNationally 2.81%
Details

Rate History
1 change since Sep 24, 2026 · 2.93% → 3.65% ▲ 0.72 pts · high 3.65% / low 2.93%
2.21%3.29%4.37%Sep 24, 2026: 2.93% APYOct 3, 2026: 3.65% APYSep 24, 2026Oct 13, 2026
  • Oct 3, 20263.65%▲ from 2.93%
  • Sep 24, 20262.93%first recorded
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
2717 S Douglas Hwy, Gillette, WY 82718 6417
36 Month Certificate
$500
3.65% ▲ 0.62% above Wyoming avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average3.03%▲ 0.62% above avgNationally 2.81%
Details

Honors Rate: 3.69%; Platinum Rate: 3.84%

Rate History
1 change since Sep 14, 2026 · 3.70% → 3.65% ▼ 0.05 pts · high 3.70% / low 3.65%
3.15%3.68%4.20%Sep 14, 2026: 3.70% APYOct 1, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20263.65%▼ from 3.70%
  • Sep 14, 20263.70%first recorded
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
2717 S Douglas Hwy, Gillette, WY 82718 6417
36 Month IRA Share Certificate
$500
3.65% ▲ 0.62% above Wyoming avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average3.03%▲ 0.62% above avgNationally 2.81%
Details

Rate History
No change since Oct 1, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Oct 1, 2026: 3.65% APYOct 1, 2026Oct 13, 2026
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
1700 N Federal Blvd, Riverton, WY 82501
3 Year Certificate
$1,000
3.55% ▲ 0.52% above Wyoming avg
View
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average3.03%▲ 0.52% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 7, 2026: 3.55% APYOct 7, 2026Oct 13, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
99 S Main St, Buffalo, WY 82834
36 Month Certificate
$1,000
3.40% ▲ 0.37% above Wyoming avg
View
▼
Rate3.36%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.03%▲ 0.37% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 7, 2026: 3.40% APYOct 7, 2026Oct 13, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
99 S Main St, Buffalo, WY 82834
Business 36 Month Certificate
$1,000
3.40% ▲ 0.37% above Wyoming avg
View
▼
Rate3.36%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.03%▲ 0.37% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 7, 2026: 3.40% APYOct 7, 2026Oct 13, 2026
WyHy Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.60%
1715 Stillwater Ave, Cheyenne, WY 82009 7359
36 Month Jumbo Term Certificates & Jumbo IRA Term Certificates
$50,000
3.40% ▲ 0.37% above Wyoming avg
View
▼
Rate3.36%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.03%▲ 0.37% above avgNationally 2.81%
Details

Fixed rate for term, Quarterly Paid Interest

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 5 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 13, 2026
WyHy Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.60%
1715 Stillwater Ave, Cheyenne, WY 82009 7359
36 Month Term Certificates & IRA Term Certificates
$500
3.35% ▲ 0.32% above Wyoming avg
View
▼
Rate3.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.03%▲ 0.32% above avgNationally 2.81%
Details

Fixed rate for term, Quarterly Paid Interest; also available as IRA Term Certificate

Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Oct 13, 2026
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
2223 Warren Ave, Cheyenne, WY 82001
36 Month Certificates and IRA Share Certificates
$500
3.30% ▲ 0.27% above Wyoming avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.03%▲ 0.27% above avgNationally 2.81%
Details

Pay monthly; Share Certificates may be added to in $100 increments up to an additional $5,000 during the term

Rate History
No change since Oct 12, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 12, 2026: 3.30% APYOct 12, 2026Oct 13, 2026
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
2223 Warren Ave, Cheyenne, WY 82001
Business Certificate - 36 months
$500
3.30% ▲ 0.27% above Wyoming avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.03%▲ 0.27% above avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 12, 2026: 3.30% APYOct 12, 2026Oct 13, 2026
Acpe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
2835 E Grand Ave, Laramie, WY 82070 5276
Share Certificate - 36 Months
$250
3.30% ▲ 0.27% above Wyoming avg
View
▼
Rate3.25%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wyoming Average3.03%▲ 0.27% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 8 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
Sheridan Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
141 S Gould St, Sheridan, WY 82801
36 Month Certificate
$0
3.25% ▲ 0.22% above Wyoming avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.03%▲ 0.22% above avgNationally 2.81%
Details

Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 25, 2026: 3.25% APYSep 25, 2026Oct 13, 2026
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
840 Hitching Post Dr, Green River, WY 82935 5554
36 Month Certificate
$0
3.25% ▲ 0.22% above Wyoming avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average3.03%▲ 0.22% above avgNationally 2.81%
Details

Term: 36 Month Certificate (1095 Days); Dividends Post Quarterly

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
840 Hitching Post Dr, Green River, WY 82935 5554
IRA Certificate - 36 Month Certificate
$0
3.25% ▲ 0.22% above Wyoming avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average3.03%▲ 0.22% above avgNationally 2.81%
Details

Term: 36 Month Certificate (1095 Days); Dividends Post Quarterly

Rate History
No change since Oct 6, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 6, 2026: 3.25% APYOct 6, 2026Oct 13, 2026
CAMPCO
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
101 Ranch Dr, Wright, WY 82732
Share Certificate - 36 Month
$0
3.25% ▲ 0.22% above Wyoming avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average3.03%▲ 0.22% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
2.50%3.13%3.75%Sep 14, 2026: 3.00% APYOct 6, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
  • Oct 6, 20263.25%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
384 S Washington St, Afton, WY 83110
3 Year Certificate
$250
3.14% ▲ 0.11% above Wyoming avg
View
▼
Rate3.10%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.03%▲ 0.11% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 7 times
2.64%3.14%3.64%Sep 14, 2026: 3.14% APYSep 14, 2026Oct 13, 2026
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
840 Hitching Post Dr, Green River, WY 82935 5554
36 Month Certificate
$200
3.10% ▲ 0.07% above Wyoming avg
View
▼
Rate3.07%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average3.03%▲ 0.07% above avgNationally 2.81%
Details

Term: 36 Month Certificate (1095 days)

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.10% ▼ 0.15 pts · high 3.25% / low 3.10%
2.60%3.18%3.75%Sep 14, 2026: 3.25% APYSep 22, 2026: 3.10% APYSep 14, 2026Oct 13, 2026
  • Sep 22, 20263.10%▼ from 3.25%
  • Sep 14, 20263.25%first recorded
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
840 Hitching Post Dr, Green River, WY 82935 5554
Business 36 Month Certificate
$200
3.10% ▲ 0.07% above Wyoming avg
View
▼
Rate3.07%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average3.03%▲ 0.07% above avgNationally 2.81%
Details

Term: 36 Month Certificate (1095 Days)

Rate History
No change since Oct 6, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 6, 2026: 3.10% APYOct 6, 2026Oct 13, 2026
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
384 S Washington St, Afton, WY 83110
3 Year Certificate
$250
3.03% At Wyoming avg
View
▼
Rate3.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.03%At the averageNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 7 times
2.53%3.03%3.53%Sep 14, 2026: 3.03% APYSep 14, 2026Oct 13, 2026
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
384 S Washington St, Afton, WY 83110
One time Bump 3 year term
$250
3.03% At Wyoming avg
View
▼
Rate3.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.03%At the averageNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 7 times
2.53%3.03%3.53%Sep 14, 2026: 3.03% APYSep 14, 2026Oct 13, 2026
Western Vista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
3207 Sparks Rd, Cheyenne, WY 82001
36 Month Share Certificate
$500
3.00% ▼ 0.03% below Wyoming avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.03%▼ 0.03% below avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 13, 2026
Western Vista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
3207 Sparks Rd, Cheyenne, WY 82001
Traditional & ROTH IRA - 36 Mos.
$0
3.00% ▼ 0.03% below Wyoming avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.03%▼ 0.03% below avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 13, 2026
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
384 S Washington St, Afton, WY 83110
One Time Bump CD 3 year term
$250
2.93% ▼ 0.10% below Wyoming avg
View
▼
Rate2.90%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.03%▼ 0.10% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.93% APY · checked 7 times
2.43%2.93%3.43%Sep 14, 2026: 2.93% APYSep 14, 2026Oct 13, 2026
Security State Bank Basin, WY
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
201 S 4th St, Basin, WY 82410
36 Month CD
$1,000
2.78% ▼ 0.25% below Wyoming avg
View
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.03%▼ 0.25% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.78% APY · checked 7 times
2.28%2.78%3.28%Sep 14, 2026: 2.78% APYSep 14, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
(Jumbo) - 3-Year Certificate
$100,000
2.70% ▼ 0.33% below Wyoming avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.03%▼ 0.33% below avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 2.70% APY · checked 2 times
2.20%2.70%3.20%Oct 7, 2026: 2.70% APYOct 7, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
3 Year Jumbo Certificate
$0
2.70% ▼ 0.33% below Wyoming avg
View
▼
Rate2.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.03%▼ 0.33% below avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 2.70% APY · checked 2 times
2.20%2.70%3.20%Oct 7, 2026: 2.70% APYOct 7, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
3-Year Certificate
$0
2.70% ▼ 0.33% below Wyoming avg
View
▼
Rate2.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.03%▼ 0.33% below avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 2.70% APY · checked 7 times
2.20%2.70%3.20%Sep 18, 2026: 2.70% APYSep 18, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
3-Year IRA
$0
2.70% ▼ 0.33% below Wyoming avg
View
▼
Rate2.66%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.03%▼ 0.33% below avgNationally 2.81%
Details

Rate History
1 change since Sep 24, 2026 · 2.60% → 2.70% ▲ 0.10 pts · high 2.70% / low 2.60%
2.10%2.65%3.20%Sep 24, 2026: 2.60% APYOct 7, 2026: 2.70% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20262.70%▲ from 2.60%
  • Sep 24, 20262.60%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
3-Year Certificate
$50,000
2.65% ▼ 0.38% below Wyoming avg
View
▼
Rate2.62%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.03%▼ 0.38% below avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 2.65% APY · checked 7 times
2.15%2.65%3.15%Sep 18, 2026: 2.65% APYSep 18, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
3-Year IRA
$0
2.65% ▼ 0.38% below Wyoming avg
View
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.03%▼ 0.38% below avgNationally 2.81%
Details

Rate History
1 change since Sep 24, 2026 · 2.60% → 2.65% ▲ 0.05 pts · high 2.65% / low 2.60%
2.10%2.63%3.15%Sep 24, 2026: 2.60% APYOct 7, 2026: 2.65% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20262.65%▲ from 2.60%
  • Sep 24, 20262.60%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
3 Year min. deposit - Certificate Term
$0
2.60% ▼ 0.43% below Wyoming avg
View
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.03%▼ 0.43% below avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 2.60% APY · checked 2 times
2.10%2.60%3.10%Oct 7, 2026: 2.60% APYOct 7, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
3-Year Certificate
$0
2.60% ▼ 0.43% below Wyoming avg
View
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.03%▼ 0.43% below avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 2.60% APY · checked 7 times
2.10%2.60%3.10%Sep 18, 2026: 2.60% APYSep 18, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
3-Year IRA
$0
2.60% ▼ 0.43% below Wyoming avg
View
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.03%▼ 0.43% below avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 2.60% APY · checked 6 times
2.10%2.60%3.10%Sep 24, 2026: 2.60% APYSep 24, 2026Oct 13, 2026
Security State Bank Basin, WY
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
201 S 4th St, Basin, WY 82410
36 Month CD
$1,000
2.58% ▼ 0.45% below Wyoming avg
View
▼
Rate2.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.03%▼ 0.45% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.58% APY · checked 7 times
2.08%2.58%3.08%Sep 14, 2026: 2.58% APYSep 14, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
3-Year Certificate
$0
2.55% ▼ 0.48% below Wyoming avg
View
▼
Rate2.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.03%▼ 0.48% below avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 2.55% APY · checked 7 times
2.05%2.55%3.05%Sep 18, 2026: 2.55% APYSep 18, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
3-Year IRA
$1,000
2.55% ▼ 0.48% below Wyoming avg
View
▼
Rate2.52%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.03%▼ 0.48% below avgNationally 2.81%
Details

Rate History
1 change since Sep 24, 2026 · 2.60% → 2.55% ▼ 0.05 pts · high 2.60% / low 2.55%
2.05%2.58%3.10%Sep 24, 2026: 2.60% APYOct 7, 2026: 2.55% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20262.55%▼ from 2.60%
  • Sep 24, 20262.60%first recorded
Sunlight Federal Credit Union
Institution Rating:
D3.2 ★Texas Ratio: 37.01%
1702 17th St, Cody, WY 82414
3 Year Share Certificate
$500
2.53% ▼ 0.50% below Wyoming avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.03%▼ 0.50% below avgNationally 2.81%
Details

Early Withdrawal Penalty: 180 Days Interest

Rate History
No change since Sep 18, 2026 · 2.53% APY · checked 6 times
2.03%2.53%3.03%Sep 18, 2026: 2.53% APYSep 18, 2026Oct 13, 2026
Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
4523 Driftwood Dr, Cheyenne, WY 82009 7301
Share Certificates - 36 Month
$500
2.41% ▼ 0.62% below Wyoming avg
View
▼
Rate2.39%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.03%▼ 0.62% below avgNationally 2.81%
Details

Rate History
No change since Sep 12, 2026 · 2.41% APY · checked 5 times
1.91%2.41%2.91%Sep 12, 2026: 2.41% APYSep 12, 2026Oct 13, 2026
Jonah Bank of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
777 W 1st St, Casper, WY 82601
3 Year CD
$0
1.71% ▼ 1.32% below Wyoming avg
View
▼
Rate1.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.03%▼ 1.32% below avgNationally 2.81%
Details

Rate History
No change since Sep 19, 2026 · 1.71% APY · checked 2 times
1.21%1.71%2.21%Sep 19, 2026: 1.71% APYSep 19, 2026Oct 13, 2026
First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
120 W Carlson St, Cheyenne, WY 82009
36-Month Certificate
$0
1.00% ▼ 2.03% below Wyoming avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.03%▼ 2.03% below avgNationally 2.81%
Details

Payment Frequency: quarterly

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 13, 2026
First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
120 W Carlson St, Cheyenne, WY 82009
IRA 36-Month Certificate
$0
1.00% ▼ 2.03% below Wyoming avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.03%▼ 2.03% below avgNationally 2.81%
Details

Individual Retirement Account Rates

Rate History
No change since Oct 12, 2026 · 1.00% APY
0.50%1.00%1.50%Oct 12, 2026: 1.00% APYOct 12, 2026Oct 13, 2026

Wyoming 48 Month CD Rates

MonitorBankRates Wyoming Average · 48 Month CD2.96% APY▲ 0.01% from last weekNational 2.80%
View 48-month CD rate trend

The average 48-month CD rate in Wyoming is 2.96% APY, compared with 2.80% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
485 S Washington St, Afton, WY 83110
Share Certificates - 48 months
$0
4.40% ▲ 1.44% above Wyoming avg
View
▼
Rate4.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.96%▲ 1.44% above avgNationally 2.80%
Details

Rate History
No change since Oct 12, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 12, 2026: 4.40% APYOct 12, 2026Oct 13, 2026
Grand Altitude Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
1701 N Federal Blvd, Riverton, WY 82501 5201
Share & IRA Certificates - 48 Month
$0
3.90% ▲ 0.94% above Wyoming avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wyoming Average2.96%▲ 0.94% above avgNationally 2.80%
Details

Balance: $500; Certificates with a balance of $50,000 or more receive a 10 basis point premium; Early withdrawal penalties apply

Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 9, 2026: 3.90% APYOct 9, 2026Oct 13, 2026
StagePoint Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
365 N 3rd St, Laramie, WY 82072
48 Month Share Certificate
$0
3.82% ▲ 0.86% above Wyoming avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.96%▲ 0.86% above avgNationally 2.80%
Details

Published rate range: As high as 3.75%.

Rate History
No change since Sep 25, 2026 · 3.82% APY · checked 4 times
3.32%3.82%4.32%Sep 25, 2026: 3.82% APYSep 25, 2026Oct 13, 2026
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
1700 N Federal Blvd, Riverton, WY 82501
CD's & IRA's Min. - 4 Year
$0
3.80% ▲ 0.84% above Wyoming avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average2.96%▲ 0.84% above avgNationally 2.80%
Details

Rate History
1 change since Sep 19, 2026 · 3.45% → 3.80% ▲ 0.35 pts · high 3.80% / low 3.45%
2.95%3.63%4.30%Sep 19, 2026: 3.45% APYSep 27, 2026: 3.80% APYSep 19, 2026Oct 13, 2026
  • Sep 27, 20263.80%▲ from 3.45%
  • Sep 19, 20263.45%first recorded
Uniwyo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1000 E University Ave, Laramie, WY 82071 2000
Share Certificate - 4 Year
$100
3.80% ▲ 0.84% above Wyoming avg
View
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.96%▲ 0.84% above avgNationally 2.80%
Details

Rate History
No change since Oct 12, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 13, 2026
Big Horn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
33 N 6th St, Greybull, WY 82426
4 year CD
$500
3.77% ▲ 0.81% above Wyoming avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average2.96%▲ 0.81% above avgNationally 2.80%
Details

Entire Balance

Rate History
No change since Sep 11, 2026 · 3.77% APY · checked 8 times
3.27%3.77%4.27%Sep 11, 2026: 3.77% APYSep 11, 2026Oct 13, 2026
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
1700 N Federal Blvd, Riverton, WY 82501
CD's & IRA's Min. - 4 Year
$0
3.70% ▲ 0.74% above Wyoming avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average2.96%▲ 0.74% above avgNationally 2.80%
Details

$25,000.00-$99,999.99

Rate History
1 change since Sep 19, 2026 · 3.35% → 3.70% ▲ 0.35 pts · high 3.70% / low 3.35%
2.85%3.53%4.20%Sep 19, 2026: 3.35% APYSep 27, 2026: 3.70% APYSep 19, 2026Oct 13, 2026
  • Sep 27, 20263.70%▲ from 3.35%
  • Sep 19, 20263.35%first recorded
FNB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
24 N Sumner Ave, Newcastle, WY 82701
48 Month Certificate (4 Year)
$100
3.70% ▲ 0.74% above Wyoming avg
View
▼
Rate3.65%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.96%▲ 0.74% above avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 8, 2026: 3.70% APYOct 8, 2026Oct 13, 2026
FNB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
24 N Sumner Ave, Newcastle, WY 82701
48 Month Certificate of Deposit
$100
3.70% ▲ 0.74% above Wyoming avg
View
▼
Rate3.65%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.96%▲ 0.74% above avgNationally 2.80%
Details

Rate History
1 change since Sep 24, 2026 · 2.93% → 3.70% ▲ 0.77 pts · high 3.70% / low 2.93%
2.16%3.32%4.47%Sep 24, 2026: 2.93% APYOct 3, 2026: 3.70% APYSep 24, 2026Oct 13, 2026
  • Oct 3, 20263.70%▲ from 2.93%
  • Sep 24, 20262.93%first recorded
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
1700 N Federal Blvd, Riverton, WY 82501
4 Year Certificate
$1,000
3.60% ▲ 0.64% above Wyoming avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average2.96%▲ 0.64% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
2717 S Douglas Hwy, Gillette, WY 82718 6417
48 Month Certificate
$500
3.60% ▲ 0.64% above Wyoming avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average2.96%▲ 0.64% above avgNationally 2.80%
Details

Honors Rate: 3.64%; Platinum Rate: 3.79%

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.60% ▲ 0.05 pts · high 3.60% / low 3.55%
3.05%3.57%4.10%Sep 14, 2026: 3.55% APYOct 1, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20263.60%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
2717 S Douglas Hwy, Gillette, WY 82718 6417
48 Month IRA Share Certificate
$500
3.60% ▲ 0.64% above Wyoming avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average2.96%▲ 0.64% above avgNationally 2.80%
Details

Rate History
No change since Oct 1, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Oct 1, 2026: 3.60% APYOct 1, 2026Oct 13, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
99 S Main St, Buffalo, WY 82834
48 Month Certificate
$1,000
3.45% ▲ 0.49% above Wyoming avg
View
▼
Rate3.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average2.96%▲ 0.49% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Oct 7, 2026: 3.45% APYOct 7, 2026Oct 13, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
99 S Main St, Buffalo, WY 82834
Business 48 Month Certificate
$1,000
3.45% ▲ 0.49% above Wyoming avg
View
▼
Rate3.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average2.96%▲ 0.49% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Oct 7, 2026: 3.45% APYOct 7, 2026Oct 13, 2026
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
384 S Washington St, Afton, WY 83110
4 Year Certificate
$250
3.39% ▲ 0.43% above Wyoming avg
View
▼
Rate3.35%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.96%▲ 0.43% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.39% APY · checked 7 times
2.89%3.39%3.89%Sep 14, 2026: 3.39% APYSep 14, 2026Oct 13, 2026
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
2223 Warren Ave, Cheyenne, WY 82001
48 Month Certificates and IRA Share Certificates
$500
3.35% ▲ 0.39% above Wyoming avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.96%▲ 0.39% above avgNationally 2.80%
Details

Pay monthly; Share Certificates may be added to in $100 increments up to an additional $5,000 during the term

Rate History
No change since Oct 12, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 12, 2026: 3.35% APYOct 12, 2026Oct 13, 2026
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
2223 Warren Ave, Cheyenne, WY 82001
Business Certificate - 48 months
$500
3.35% ▲ 0.39% above Wyoming avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.96%▲ 0.39% above avgNationally 2.80%
Details

Rate History
No change since Oct 12, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 12, 2026: 3.35% APYOct 12, 2026Oct 13, 2026
Acpe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
2835 E Grand Ave, Laramie, WY 82070 5276
Share Certificate - 48 Months
$250
3.35% ▲ 0.39% above Wyoming avg
View
▼
Rate3.30%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wyoming Average2.96%▲ 0.39% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 8 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
840 Hitching Post Dr, Green River, WY 82935 5554
48 Month Certificate
$0
3.30% ▲ 0.34% above Wyoming avg
View
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average2.96%▲ 0.34% above avgNationally 2.80%
Details

Term: 48 Month Certificate (1460 Days); Dividends Post Quarterly

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 7 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
840 Hitching Post Dr, Green River, WY 82935 5554
IRA Certificate - 48 Month Certificate
$0
3.30% ▲ 0.34% above Wyoming avg
View
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average2.96%▲ 0.34% above avgNationally 2.80%
Details

Term: 48 Month Certificate (1460 Days); Dividends Post Quarterly

Rate History
No change since Oct 6, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 6, 2026: 3.30% APYOct 6, 2026Oct 13, 2026
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
384 S Washington St, Afton, WY 83110
4 Year Certificate
$250
3.29% ▲ 0.33% above Wyoming avg
View
▼
Rate3.25%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.96%▲ 0.33% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 7 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
840 Hitching Post Dr, Green River, WY 82935 5554
48 Month Certificate
$200
3.20% ▲ 0.24% above Wyoming avg
View
▼
Rate3.16%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average2.96%▲ 0.24% above avgNationally 2.80%
Details

Term: 48 Month Certificate (1460 days)

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.20% ▼ 0.10 pts · high 3.30% / low 3.20%
2.70%3.25%3.80%Sep 14, 2026: 3.30% APYSep 22, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
  • Sep 22, 20263.20%▼ from 3.30%
  • Sep 14, 20263.30%first recorded
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
840 Hitching Post Dr, Green River, WY 82935 5554
Business 48 Month Certificate
$200
3.20% ▲ 0.24% above Wyoming avg
View
▼
Rate3.16%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average2.96%▲ 0.24% above avgNationally 2.80%
Details

Term: 48 Month Certificate (1460 Days)

Rate History
No change since Oct 6, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Oct 6, 2026: 3.20% APYOct 6, 2026Oct 13, 2026
CAMPCO
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
101 Ranch Dr, Wright, WY 82732
Share Certificate - 48 Month
$0
2.99% ▲ 0.03% above Wyoming avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average2.96%▲ 0.03% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 2.85% → 2.99% ▲ 0.14 pts · high 2.99% / low 2.85%
2.35%2.92%3.49%Sep 14, 2026: 2.85% APYOct 6, 2026: 2.99% APYSep 14, 2026Oct 13, 2026
  • Oct 6, 20262.99%▲ from 2.85%
  • Sep 14, 20262.85%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
4 Year Jumbo Certificate
$0
2.85% ▼ 0.11% below Wyoming avg
View
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average2.96%▼ 0.11% below avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 2.85% APY · checked 2 times
2.35%2.85%3.35%Oct 7, 2026: 2.85% APYOct 7, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
4-Year Certificate
$0
2.85% ▼ 0.11% below Wyoming avg
View
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average2.96%▼ 0.11% below avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 2.85% APY · checked 7 times
2.35%2.85%3.35%Sep 18, 2026: 2.85% APYSep 18, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
4-Year IRA
$0
2.85% ▼ 0.11% below Wyoming avg
View
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average2.96%▼ 0.11% below avgNationally 2.80%
Details

Rate History
1 change since Sep 24, 2026 · 2.75% → 2.85% ▲ 0.10 pts · high 2.85% / low 2.75%
2.25%2.80%3.35%Sep 24, 2026: 2.75% APYOct 7, 2026: 2.85% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20262.85%▲ from 2.75%
  • Sep 24, 20262.75%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
4-Year Certificate
$50,000
2.80% ▼ 0.16% below Wyoming avg
View
▼
Rate2.77%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average2.96%▼ 0.16% below avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 2.80% APY · checked 7 times
2.30%2.80%3.30%Sep 18, 2026: 2.80% APYSep 18, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
4-Year IRA
$0
2.80% ▼ 0.16% below Wyoming avg
View
▼
Rate2.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average2.96%▼ 0.16% below avgNationally 2.80%
Details

Rate History
1 change since Sep 24, 2026 · 2.75% → 2.80% ▲ 0.05 pts · high 2.80% / low 2.75%
2.25%2.78%3.30%Sep 24, 2026: 2.75% APYOct 7, 2026: 2.80% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20262.80%▲ from 2.75%
  • Sep 24, 20262.75%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
4-Year Certificate
$0
2.75% ▼ 0.21% below Wyoming avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average2.96%▼ 0.21% below avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
4-Year IRA
$0
2.75% ▼ 0.21% below Wyoming avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average2.96%▼ 0.21% below avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 24, 2026: 2.75% APYSep 24, 2026Oct 13, 2026
Western Vista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
3207 Sparks Rd, Cheyenne, WY 82001
48 Month Share Certificate
$500
2.75% ▼ 0.21% below Wyoming avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.96%▼ 0.21% below avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 8, 2026: 2.75% APYOct 8, 2026Oct 13, 2026
Western Vista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
3207 Sparks Rd, Cheyenne, WY 82001
Traditional & ROTH IRA - 48 Mos.
$0
2.75% ▼ 0.21% below Wyoming avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.96%▼ 0.21% below avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 8, 2026: 2.75% APYOct 8, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
4-Year Certificate
$0
2.70% ▼ 0.26% below Wyoming avg
View
▼
Rate2.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average2.96%▼ 0.26% below avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 2.70% APY · checked 7 times
2.20%2.70%3.20%Sep 18, 2026: 2.70% APYSep 18, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
4-Year IRA
$1,000
2.70% ▼ 0.26% below Wyoming avg
View
▼
Rate2.66%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average2.96%▼ 0.26% below avgNationally 2.80%
Details

Rate History
1 change since Sep 24, 2026 · 2.75% → 2.70% ▼ 0.05 pts · high 2.75% / low 2.70%
2.20%2.73%3.25%Sep 24, 2026: 2.75% APYOct 7, 2026: 2.70% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20262.70%▼ from 2.75%
  • Sep 24, 20262.75%first recorded
Security State Bank Basin, WY
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
201 S 4th St, Basin, WY 82410
48 Month CD
$1,000
2.53% ▼ 0.43% below Wyoming avg
View
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.96%▼ 0.43% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 7 times
2.03%2.53%3.03%Sep 14, 2026: 2.53% APYSep 14, 2026Oct 13, 2026
Sunlight Federal Credit Union
Institution Rating:
D3.2 ★Texas Ratio: 37.01%
1702 17th St, Cody, WY 82414
4 Year Share Certificate
$500
2.53% ▼ 0.43% below Wyoming avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.96%▼ 0.43% below avgNationally 2.80%
Details

Early Withdrawal Penalty: 180 Days Interest

Rate History
No change since Sep 18, 2026 · 2.53% APY · checked 6 times
2.03%2.53%3.03%Sep 18, 2026: 2.53% APYSep 18, 2026Oct 13, 2026
Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
4523 Driftwood Dr, Cheyenne, WY 82009 7301
Share Certificates - 48 Month
$500
2.44% ▼ 0.52% below Wyoming avg
View
▼
Rate2.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.96%▼ 0.52% below avgNationally 2.80%
Details

Rate History
No change since Sep 12, 2026 · 2.44% APY · checked 5 times
1.94%2.44%2.94%Sep 12, 2026: 2.44% APYSep 12, 2026Oct 13, 2026
Hilltop National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
300 Country Club Rd, Casper, WY 82609
48 Months Certificate of Deposit
$1,000
1.97% ▼ 0.99% below Wyoming avg
View
▼
Rate1.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average2.96%▼ 0.99% below avgNationally 2.80%
Details

Published APY range: 1.95% / 1.97%. Balance: $50,000 +

Rate History
1 change since Oct 7, 2026 · 1.95% → 1.97% ▲ 0.02 pts · high 1.97% / low 1.95%
1.45%1.96%2.47%Oct 7, 2026: 1.95% APYOct 7, 2026: 1.97% APYOct 7, 2026Oct 13, 2026
  • Oct 7, 20261.97%▲ from 1.95%
  • Oct 7, 20261.95%first recorded
Hilltop National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
300 Country Club Rd, Casper, WY 82609
48 Months Certificate of Deposit
$1,000
1.91% ▼ 1.05% below Wyoming avg
View
▼
Rate1.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average2.96%▼ 1.05% below avgNationally 2.80%
Details

Published APY range: 1.90% / 1.91%. Balance: $1,000- $49,999

Rate History
1 change since Oct 7, 2026 · 1.90% → 1.91% ▲ 0.01 pts · high 1.91% / low 1.90%
1.40%1.91%2.41%Oct 7, 2026: 1.90% APYOct 7, 2026: 1.91% APYOct 7, 2026Oct 13, 2026
  • Oct 7, 20261.91%▲ from 1.90%
  • Oct 7, 20261.90%first recorded
Jonah Bank of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
777 W 1st St, Casper, WY 82601
4 Year CD
$0
1.82% ▼ 1.14% below Wyoming avg
View
▼
Rate1.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average2.96%▼ 1.14% below avgNationally 2.80%
Details

Rate History
No change since Sep 19, 2026 · 1.82% APY · checked 2 times
1.32%1.82%2.32%Sep 19, 2026: 1.82% APYSep 19, 2026Oct 13, 2026
Hilltop National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
300 Country Club Rd, Casper, WY 82609
48 Months IRA Time Deposit
$1,000
1.45% ▼ 1.51% below Wyoming avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average2.96%▼ 1.51% below avgNationally 2.80%
Details

Published APY range: 1.45% / 1.45%.

Rate History
No change since Oct 7, 2026 · 1.45% APY · checked 3 times
0.95%1.45%1.95%Oct 7, 2026: 1.45% APYOct 7, 2026Oct 13, 2026
First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
120 W Carlson St, Cheyenne, WY 82009
48-Month Certificate
$0
1.00% ▼ 1.96% below Wyoming avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.96%▼ 1.96% below avgNationally 2.80%
Details

Payment Frequency: quarterly

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 13, 2026
First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
120 W Carlson St, Cheyenne, WY 82009
IRA 48-Month Certificate
$0
1.00% ▼ 1.96% below Wyoming avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.96%▼ 1.96% below avgNationally 2.80%
Details

Individual Retirement Account Rates

Rate History
No change since Oct 12, 2026 · 1.00% APY
0.50%1.00%1.50%Oct 12, 2026: 1.00% APYOct 12, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
848 Main St, Evanston, WY 82930
48 Month IRA Certificates
$0
0.75% ▼ 2.21% below Wyoming avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average2.96%▼ 2.21% below avgNationally 2.80%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 6, 2026: 0.75% APYOct 6, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
848 Main St, Evanston, WY 82930
48 Month Standard CD
$0
0.75% ▼ 2.21% below Wyoming avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average2.96%▼ 2.21% below avgNationally 2.80%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 13, 2026

Wyoming 60 Month CD Rates

MonitorBankRates Wyoming Average · 60 Month CD3.14% APY▲ 0.01% from last weekNational 2.90%
View 60-month CD rate trend

The average 60-month CD rate in Wyoming is 3.14% APY, compared with 2.90% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
485 S Washington St, Afton, WY 83110
Share Certificates - 60 months
$0
4.50% ▲ 1.36% above Wyoming avg
View
▼
Rate4.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.14%▲ 1.36% above avgNationally 2.90%
Details

Rate History
No change since Oct 12, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 12, 2026: 4.50% APYOct 12, 2026Oct 13, 2026
Grand Altitude Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
1701 N Federal Blvd, Riverton, WY 82501 5201
Share & IRA Certificates - 60 Month
$0
3.95% ▲ 0.81% above Wyoming avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wyoming Average3.14%▲ 0.81% above avgNationally 2.90%
Details

Balance: $500; Certificates with a balance of $50,000 or more receive a 10 basis point premium; Early withdrawal penalties apply

Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 9, 2026: 3.95% APYOct 9, 2026Oct 13, 2026
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
1700 N Federal Blvd, Riverton, WY 82501
CD's & IRA's Min. - 5 Year
$0
3.85% ▲ 0.71% above Wyoming avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average3.14%▲ 0.71% above avgNationally 2.90%
Details

Rate History
1 change since Sep 19, 2026 · 3.45% → 3.85% ▲ 0.40 pts · high 3.85% / low 3.45%
2.95%3.65%4.35%Sep 19, 2026: 3.45% APYSep 27, 2026: 3.85% APYSep 19, 2026Oct 13, 2026
  • Sep 27, 20263.85%▲ from 3.45%
  • Sep 19, 20263.45%first recorded
Uniwyo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1000 E University Ave, Laramie, WY 82071 2000
IRA and HSA Share Certificate - 5 Year IRA
$100
3.85% ▲ 0.71% above Wyoming avg
View
▼
Rate3.80%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.14%▲ 0.71% above avgNationally 2.90%
Details

IRA share certificate; not eligible for the military or youth 0.50% APY bump

Rate History
No change since Oct 12, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 12, 2026: 3.85% APYOct 12, 2026Oct 13, 2026
Uniwyo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1000 E University Ave, Laramie, WY 82071 2000
Share Certificate - 5 Year
$100
3.85% ▲ 0.71% above Wyoming avg
View
▼
Rate3.80%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.14%▲ 0.71% above avgNationally 2.90%
Details

Rate History
No change since Oct 12, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 12, 2026: 3.85% APYOct 12, 2026Oct 13, 2026
StagePoint Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
365 N 3rd St, Laramie, WY 82072
60 Month Share Certificate
$0
3.82% ▲ 0.68% above Wyoming avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.14%▲ 0.68% above avgNationally 2.90%
Details

Published rate range: As high as 3.75%.

Rate History
No change since Sep 25, 2026 · 3.82% APY · checked 4 times
3.32%3.82%4.32%Sep 25, 2026: 3.82% APYSep 25, 2026Oct 13, 2026
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
1700 N Federal Blvd, Riverton, WY 82501
CD's & IRA's Min. - 5 Year
$0
3.75% ▲ 0.61% above Wyoming avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average3.14%▲ 0.61% above avgNationally 2.90%
Details

$25,000.00-$99,999.99

Rate History
1 change since Sep 19, 2026 · 3.35% → 3.75% ▲ 0.40 pts · high 3.75% / low 3.35%
2.85%3.55%4.25%Sep 19, 2026: 3.35% APYSep 27, 2026: 3.75% APYSep 19, 2026Oct 13, 2026
  • Sep 27, 20263.75%▲ from 3.35%
  • Sep 19, 20263.35%first recorded
FNB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
24 N Sumner Ave, Newcastle, WY 82701
60 Month Certificate (5 Year)
$100
3.75% ▲ 0.61% above Wyoming avg
View
▼
Rate3.70%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.14%▲ 0.61% above avgNationally 2.90%
Details

Rate History
No change since Oct 8, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 8, 2026: 3.75% APYOct 8, 2026Oct 13, 2026
FNB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
24 N Sumner Ave, Newcastle, WY 82701
60 Month Certificate of Deposit
$100
3.75% ▲ 0.61% above Wyoming avg
View
▼
Rate3.70%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.14%▲ 0.61% above avgNationally 2.90%
Details

Rate History
1 change since Sep 24, 2026 · 2.93% → 3.75% ▲ 0.82 pts · high 3.75% / low 2.93%
2.11%3.34%4.57%Sep 24, 2026: 2.93% APYOct 3, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
  • Oct 3, 20263.75%▲ from 2.93%
  • Sep 24, 20262.93%first recorded
Big Horn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
33 N 6th St, Greybull, WY 82426
5 year CD
$500
3.69% ▲ 0.55% above Wyoming avg
View
▼
Rate3.62%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average3.14%▲ 0.55% above avgNationally 2.90%
Details

Entire Balance

Rate History
No change since Sep 11, 2026 · 3.69% APY · checked 8 times
3.19%3.69%4.19%Sep 11, 2026: 3.69% APYSep 11, 2026Oct 13, 2026
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
1700 N Federal Blvd, Riverton, WY 82501
5 Year Certificate
$1,000
3.65% ▲ 0.51% above Wyoming avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average3.14%▲ 0.51% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Oct 13, 2026
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
384 S Washington St, Afton, WY 83110
5 Year Certificate
$250
3.65% ▲ 0.51% above Wyoming avg
View
▼
Rate3.60%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.14%▲ 0.51% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
2717 S Douglas Hwy, Gillette, WY 82718 6417
60 Month Certificate
$500
3.56% ▲ 0.42% above Wyoming avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average3.14%▲ 0.42% above avgNationally 2.90%
Details

Honors Rate: 3.60%; Platinum Rate: 3.75%

Rate History
2 changes since Sep 14, 2026 · 3.50% → 3.56% ▲ 0.06 pts · high 3.56% / low 3.50%
3.00%3.53%4.06%Sep 14, 2026: 3.50% APYOct 1, 2026: 3.56% APYOct 6, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
  • Oct 6, 20263.56%▼ from 3.56%
  • Oct 1, 20263.56%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
384 S Washington St, Afton, WY 83110
5 Year Certificate
$250
3.55% ▲ 0.41% above Wyoming avg
View
▼
Rate3.50%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.14%▲ 0.41% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Acpe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
2835 E Grand Ave, Laramie, WY 82070 5276
Share Certificate - 60 Months
$250
3.55% ▲ 0.41% above Wyoming avg
View
▼
Rate3.50%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wyoming Average3.14%▲ 0.41% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.55% ▲ 0.15 pts · high 3.55% / low 3.40%
2.90%3.47%4.05%Sep 14, 2026: 3.40% APYOct 5, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.55%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
2717 S Douglas Hwy, Gillette, WY 82718 6417
60 Month IRA Share Certificate
$500
3.55% ▲ 0.41% above Wyoming avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average3.14%▲ 0.41% above avgNationally 2.90%
Details

Rate History
1 change since Oct 1, 2026 · 3.56% → 3.55% ▼ 0.01 pts · high 3.56% / low 3.55%
3.05%3.55%4.06%Oct 1, 2026: 3.56% APYOct 6, 2026: 3.55% APYOct 1, 2026Oct 13, 2026
  • Oct 6, 20263.55%▼ from 3.56%
  • Oct 1, 20263.56%first recorded
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
99 S Main St, Buffalo, WY 82834
60 Month Certificate
$1,000
3.51% ▲ 0.37% above Wyoming avg
View
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.14%▲ 0.37% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 3.51% APY · checked 2 times
3.01%3.51%4.01%Oct 7, 2026: 3.51% APYOct 7, 2026Oct 13, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
99 S Main St, Buffalo, WY 82834
Business 60 Month Certificate
$1,000
3.51% ▲ 0.37% above Wyoming avg
View
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.14%▲ 0.37% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 3.51% APY · checked 2 times
3.01%3.51%4.01%Oct 7, 2026: 3.51% APYOct 7, 2026Oct 13, 2026
WyHy Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.60%
1715 Stillwater Ave, Cheyenne, WY 82009 7359
60 Month Jumbo Term Certificates & Jumbo IRA Term Certificates
$50,000
3.50% ▲ 0.36% above Wyoming avg
View
▼
Rate3.46%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.14%▲ 0.36% above avgNationally 2.90%
Details

Fixed rate for term, Quarterly Paid Interest

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
WyHy Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.60%
1715 Stillwater Ave, Cheyenne, WY 82009 7359
60 Month Term Certificates & IRA Term Certificates
$500
3.45% ▲ 0.31% above Wyoming avg
View
▼
Rate3.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.14%▲ 0.31% above avgNationally 2.90%
Details

Fixed rate for term, Quarterly Paid Interest; also available as IRA Term Certificate

Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Sep 18, 2026: 3.45% APYSep 18, 2026Oct 13, 2026
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
2223 Warren Ave, Cheyenne, WY 82001
60 Month Certificates and IRA Share Certificates
$500
3.40% ▲ 0.26% above Wyoming avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.14%▲ 0.26% above avgNationally 2.90%
Details

Pay monthly; Share Certificates may be added to in $100 increments up to an additional $5,000 during the term

Rate History
No change since Oct 12, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 12, 2026: 3.40% APYOct 12, 2026Oct 13, 2026
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
2223 Warren Ave, Cheyenne, WY 82001
Business Certificate - 60 months
$500
3.40% ▲ 0.26% above Wyoming avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.14%▲ 0.26% above avgNationally 2.90%
Details

Rate History
No change since Oct 12, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 12, 2026: 3.40% APYOct 12, 2026Oct 13, 2026
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
840 Hitching Post Dr, Green River, WY 82935 5554
60 Month Certificate
$0
3.35% ▲ 0.21% above Wyoming avg
View
▼
Rate3.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average3.14%▲ 0.21% above avgNationally 2.90%
Details

Term: 60 Month Certificate (1825 Days); Dividends Post Quarterly

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 7 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
840 Hitching Post Dr, Green River, WY 82935 5554
IRA Certificate - 60 Month Certificate
$0
3.35% ▲ 0.21% above Wyoming avg
View
▼
Rate3.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average3.14%▲ 0.21% above avgNationally 2.90%
Details

Term: 60 Month Certificate (1825 Days); Dividends Post Quarterly

Rate History
No change since Oct 6, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 6, 2026: 3.35% APYOct 6, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
5 Year Jumbo Certificate
$0
3.25% ▲ 0.11% above Wyoming avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.14%▲ 0.11% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 7, 2026: 3.25% APYOct 7, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
5-Year Certificate
$0
3.25% ▲ 0.11% above Wyoming avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.14%▲ 0.11% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
5-Year IRA
$0
3.25% ▲ 0.11% above Wyoming avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.14%▲ 0.11% above avgNationally 2.90%
Details

Rate History
1 change since Sep 24, 2026 · 3.15% → 3.25% ▲ 0.10 pts · high 3.25% / low 3.15%
2.65%3.20%3.75%Sep 24, 2026: 3.15% APYOct 7, 2026: 3.25% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20263.25%▲ from 3.15%
  • Sep 24, 20263.15%first recorded
Sheridan Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
141 S Gould St, Sheridan, WY 82801
60 Month Certificate
$0
3.25% ▲ 0.11% above Wyoming avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.14%▲ 0.11% above avgNationally 2.90%
Details

Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 25, 2026: 3.25% APYSep 25, 2026Oct 13, 2026
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
840 Hitching Post Dr, Green River, WY 82935 5554
60 Month Certificate
$200
3.25% ▲ 0.11% above Wyoming avg
View
▼
Rate3.21%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average3.14%▲ 0.11% above avgNationally 2.90%
Details

Term: 60 Month Certificate (1825 days)

Rate History
1 change since Sep 14, 2026 · 3.35% → 3.25% ▼ 0.10 pts · high 3.35% / low 3.25%
2.75%3.30%3.85%Sep 14, 2026: 3.35% APYSep 22, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
  • Sep 22, 20263.25%▼ from 3.35%
  • Sep 14, 20263.35%first recorded
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
840 Hitching Post Dr, Green River, WY 82935 5554
Business 60 Month Certificate
$200
3.25% ▲ 0.11% above Wyoming avg
View
▼
Rate3.21%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average3.14%▲ 0.11% above avgNationally 2.90%
Details

Term: 60 Month Certificate (1825 Days)

Rate History
No change since Oct 6, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 6, 2026: 3.25% APYOct 6, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
5-Year Certificate
$50,000
3.20% ▲ 0.06% above Wyoming avg
View
▼
Rate3.15%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.14%▲ 0.06% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 7 times
2.70%3.20%3.70%Sep 18, 2026: 3.20% APYSep 18, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
5-Year IRA
$0
3.20% ▲ 0.06% above Wyoming avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.14%▲ 0.06% above avgNationally 2.90%
Details

Rate History
1 change since Sep 24, 2026 · 3.15% → 3.20% ▲ 0.05 pts · high 3.20% / low 3.15%
2.65%3.18%3.70%Sep 24, 2026: 3.15% APYOct 7, 2026: 3.20% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20263.20%▲ from 3.15%
  • Sep 24, 20263.15%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
5-Year Certificate
$0
3.15% ▲ 0.01% above Wyoming avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.14%▲ 0.01% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 7 times
2.65%3.15%3.65%Sep 18, 2026: 3.15% APYSep 18, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
5-Year IRA
$0
3.15% ▲ 0.01% above Wyoming avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.14%▲ 0.01% above avgNationally 2.90%
Details

Rate History
No change since Sep 24, 2026 · 3.15% APY · checked 6 times
2.65%3.15%3.65%Sep 24, 2026: 3.15% APYSep 24, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
5-Year Certificate
$1,000
3.10% ▼ 0.04% below Wyoming avg
View
▼
Rate3.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.14%▼ 0.04% below avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 7 times
2.60%3.10%3.60%Sep 18, 2026: 3.10% APYSep 18, 2026Oct 13, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
414 E 18th St, Cheyenne, WY 82001 4616
5-Year IRA
$1,000
3.10% ▼ 0.04% below Wyoming avg
View
▼
Rate3.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.14%▼ 0.04% below avgNationally 2.90%
Details

Rate History
1 change since Sep 24, 2026 · 3.15% → 3.10% ▼ 0.05 pts · high 3.15% / low 3.10%
2.60%3.13%3.65%Sep 24, 2026: 3.15% APYOct 7, 2026: 3.10% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20263.10%▼ from 3.15%
  • Sep 24, 20263.15%first recorded
CAMPCO
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
101 Ranch Dr, Wright, WY 82732
Share Certificate - 60 Month
$0
2.99% ▼ 0.15% below Wyoming avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average3.14%▼ 0.15% below avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 2.85% → 2.99% ▲ 0.14 pts · high 2.99% / low 2.85%
2.35%2.92%3.49%Sep 14, 2026: 2.85% APYOct 6, 2026: 2.99% APYSep 14, 2026Oct 13, 2026
  • Oct 6, 20262.99%▲ from 2.85%
  • Sep 14, 20262.85%first recorded
Western Vista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
3207 Sparks Rd, Cheyenne, WY 82001
60 Month Share Certificate
$500
2.75% ▼ 0.39% below Wyoming avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.14%▼ 0.39% below avgNationally 2.90%
Details

Rate History
No change since Oct 8, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 8, 2026: 2.75% APYOct 8, 2026Oct 13, 2026
Western Vista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
3207 Sparks Rd, Cheyenne, WY 82001
Traditional & ROTH IRA - 60 Mos.
$0
2.75% ▼ 0.39% below Wyoming avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.14%▼ 0.39% below avgNationally 2.90%
Details

Rate History
No change since Oct 8, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 8, 2026: 2.75% APYOct 8, 2026Oct 13, 2026
Sunlight Federal Credit Union
Institution Rating:
D3.2 ★Texas Ratio: 37.01%
1702 17th St, Cody, WY 82414
5 Year Share Certificate
$500
2.53% ▼ 0.61% below Wyoming avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.14%▼ 0.61% below avgNationally 2.90%
Details

Early Withdrawal Penalty: 180 Days Interest

Rate History
No change since Sep 18, 2026 · 2.53% APY · checked 6 times
2.03%2.53%3.03%Sep 18, 2026: 2.53% APYSep 18, 2026Oct 13, 2026
Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
4523 Driftwood Dr, Cheyenne, WY 82009 7301
Share Certificates - 60 Month
$500
2.50% ▼ 0.64% below Wyoming avg
View
▼
Rate2.48%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.14%▼ 0.64% below avgNationally 2.90%
Details

Rate History
No change since Sep 12, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 12, 2026: 2.50% APYSep 12, 2026Oct 13, 2026
Security State Bank Basin, WY
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
201 S 4th St, Basin, WY 82410
60 Month CD
$1,000
2.43% ▼ 0.71% below Wyoming avg
View
▼
Rate2.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.14%▼ 0.71% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.43% APY · checked 7 times
1.93%2.43%2.93%Sep 14, 2026: 2.43% APYSep 14, 2026Oct 13, 2026
Hilltop National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
300 Country Club Rd, Casper, WY 82609
60 Months Certificate of Deposit
$1,000
2.12% ▼ 1.02% below Wyoming avg
View
▼
Rate2.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.14%▼ 1.02% below avgNationally 2.90%
Details

Published APY range: 2.10% / 2.12%. Balance: $50,000 +; ** 60 month CD has option to bump rate one time without changing maturity; see CD for more information.

Rate History
1 change since Oct 7, 2026 · 2.10% → 2.12% ▲ 0.02 pts · high 2.12% / low 2.10%
1.60%2.11%2.62%Oct 7, 2026: 2.10% APYOct 7, 2026: 2.12% APYOct 7, 2026Oct 13, 2026
  • Oct 7, 20262.12%▲ from 2.10%
  • Oct 7, 20262.10%first recorded
Hilltop National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
300 Country Club Rd, Casper, WY 82609
60 Months Certificate of Deposit
$1,000
2.02% ▼ 1.12% below Wyoming avg
View
▼
Rate2.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.14%▼ 1.12% below avgNationally 2.90%
Details

Published APY range: 2.00% / 2.02%. Balance: $1,000- $49,999; ** 60 month CD has option to bump rate one time without changing maturity; see CD for more information.

Rate History
1 change since Oct 7, 2026 · 2.00% → 2.02% ▲ 0.02 pts · high 2.02% / low 2.00%
1.50%2.01%2.52%Oct 7, 2026: 2.00% APYOct 7, 2026: 2.02% APYOct 7, 2026Oct 13, 2026
  • Oct 7, 20262.02%▲ from 2.00%
  • Oct 7, 20262.00%first recorded
Jonah Bank of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
777 W 1st St, Casper, WY 82601
5 Year CD
$0
1.92% ▼ 1.22% below Wyoming avg
View
▼
Rate1.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Wyoming Average3.14%▼ 1.22% below avgNationally 2.90%
Details

Rate History
No change since Sep 19, 2026 · 1.92% APY · checked 2 times
1.42%1.92%2.42%Sep 19, 2026: 1.92% APYSep 19, 2026Oct 13, 2026
First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
120 W Carlson St, Cheyenne, WY 82009
60-Month Certificate
$0
1.10% ▼ 2.04% below Wyoming avg
View
▼
Rate1.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.14%▼ 2.04% below avgNationally 2.90%
Details

Payment Frequency: quarterly

Rate History
No change since Sep 14, 2026 · 1.11% APY · checked 5 times
0.61%1.11%1.61%Sep 14, 2026: 1.11% APYSep 14, 2026Oct 13, 2026
First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
120 W Carlson St, Cheyenne, WY 82009
IRA 60-Month Certificate
$0
1.10% ▼ 2.04% below Wyoming avg
View
▼
Rate1.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.14%▼ 2.04% below avgNationally 2.90%
Details

Individual Retirement Account Rates

Rate History
No change since Oct 12, 2026 · 1.11% APY
0.61%1.11%1.61%Oct 12, 2026: 1.11% APYOct 12, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
848 Main St, Evanston, WY 82930
60 Month IRA Certificates
$0
0.75% ▼ 2.39% below Wyoming avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average3.14%▼ 2.39% below avgNationally 2.90%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 6, 2026: 0.75% APYOct 6, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
848 Main St, Evanston, WY 82930
60 Month Standard CD
$0
0.75% ▼ 2.39% below Wyoming avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Wyoming Average3.14%▼ 2.39% below avgNationally 2.90%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 13, 2026
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Wyoming Institutions

Highest verified APYs available today, updated October 13, 2026

B Top 5 Bank Rates
Hilltop National Bank
18 Month Variable IRA Time Deposit
A+ 5.0 ★ TX: 1.89%
Min: $1,000
4.39%
Buffalo Federal Bank
24 Month CD
A+ 5.0 ★ TX: 5.57%
Min: $500
4.19%
FirsTier Bank
3 Month CD
F 2.0 ★ TX: 51.03%
Min: $0
4.14%
Bank of Star Valley
1 Year Certificate
A+ 5.0 ★ TX: 0.47%
Min: $250
3.91%
Wyoming Community Bank
CD's & IRA's Min. - 5 Year
A+ 5.0 ★ TX: 5.85%
Min: $0
3.85%
CU Top 5 Credit Union Rates
Advantage Plus Federal Credit Union
Share Certificates - 60 months
A+ 5.0 ★ TX: 3.01%
Min: $0
4.50%
Valley Financial Credit Union
24 Month Certificate
A+ 5.0 ★ TX: 1.69%
Min: $500
4.18%
StagePoint Federal Credit Union
6 Month Share Certificate
A+ 5.0 ★ TX: 1.25%
Min: $0
4.07%
CAMPCO
Share Certificate - 6 Month
A+ 5.0 ★ TX: 2.47%
Min: $0
4.05%
Sheridan Community Federal Credit Union
6 Month Certificate
A 5.0 ★ TX: 9.47%
Min: $0
4.00%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Wyoming CD Rate Trends

Compare local Wyoming CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full Wyoming CD Trends
12-Month CD WY Avg
3.298%
▲ 0.028 vs 7 days ago

Wyoming 12-month CD rates rose 0.028 points over the past 7 days to 3.298% APY.

6-Month CD WY Avg
3.195%
▲ 0.015 vs 7 days ago

Wyoming 6-month CD rates rose 0.015 points over the past 7 days to 3.195% APY.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

WY CD Rate Forecast, Next 12 Months

Where are Wyoming CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

WY 12-Month Avg APY
3.298%
6-Month Forecast
3.298%
Range: 3.10%, 3.45%
12-Month Forecast
3.548%
Range: 3.35%, 3.70%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Wyoming average 12-month CD APY in our database.

Spread model: The Wyoming 12-month CD average currently trades 1.08% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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What Your Savings Earn at WY CD Rates Today

Annual interest earnings at today’s Wyoming average APYs. State average used where available; national average as fallback.

CD Term WY Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 2.237% $111.86 $223.72 $559.30 $1,118.60
6-Month CD 3.195% $159.76 $319.51 $798.78 $1,597.55
12-Month CD 3.298% $164.90 $329.81 $824.52 $1,649.05
18-Month CD 2.979% $148.93 $297.86 $744.65 $1,489.30
24-Month CD 3.154% $157.70 $315.39 $788.48 $1,576.95
36-Month CD 3.028% $151.39 $302.78 $756.95 $1,513.90
48-Month CD 2.964% $148.22 $296.43 $741.08 $1,482.15
60-Month CD 3.141% $157.02 $314.05 $785.12 $1,570.25
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026.
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Sample CD Ladder for Wyoming Savers

$25,000 split equally across 5 terms using today’s Wyoming average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder
Rung Term Deposit WY Avg APY Annual Earnings
1 3-Month CD $5,000 2.237% $111.86
2 6-Month CD $5,000 3.195% $159.76
3 12-Month CD $5,000 3.298% $164.90
4 24-Month CD $5,000 3.154% $157.70
5 36-Month CD $5,000 3.028% $151.39
Total ($25,000 invested) $25,000 2.982% blended $745.61/yr

Ladder example uses equal $5,000 rungs and Wyoming average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

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406
CD Rates
Tracked in Wyoming
13 Banks 18 Credit Unions

About Our Wyoming CD Rate Database

MonitorBankRates tracks 406 CD rates from 13 banks and 18 credit unions with locations in Wyoming, plus national online institutions available to Wyoming residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: Advantage Plus Federal Credit Union offers a CD at 4.50% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Wyoming.

How to Find the Best CD Rates in Wyoming

What to compare when shopping for a CD in Wyoming

To find the best APYs in Wyoming, start with credit unions and online-only banks: Wyoming has 18 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.

Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.

Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.

When a CD Makes Sense in Wyoming

  • You have a planned expense coming up and want your savings to earn while you wait
  • You expect rates to fall and want to lock in today’s rate
  • You want FDIC or NCUA protection with a guaranteed fixed return
  • You prefer banking with an institution that has a local branch in Wyoming: 31 institutions here report CD rates

Consider an Alternative If…

  • You may need the funds within 30 days. Compare Wyoming savings rates instead
  • Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
  • You want check-writing access. Compare Wyoming money market rates

Wyoming Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
18.5%
National avg: 17.3%
Median Individual Earnings
$42,664
National avg: $47,340
Poverty Rate
10.5%
National avg: 11.1%
Unemployment Rate
3.7%
National avg: 4.8%
CD Earnings on 10% of Salary
$141/yr
At WY 12-mo avg 3.298% APY

18.5% of residents are 65 or older, in line with the national average of 17.3%; a low unemployment rate of 3.7% reflects a strong local economy. At today’s WY 12-month CD average of 3.298%, saving 10% of the local median salary ($4,266/year) and putting it in a CD would earn an additional $141 annually in interest.

Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.

CD Rates vs. Other Savings Options in Wyoming

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90 to 180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

How Certificates of Deposit Work in Wyoming

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Wyoming typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Wyoming as everywhere in the U.S.

Choosing a CD Term in Wyoming

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Wyoming savers easier access to their funds. For example, FirsTier Bank is offering its 6 Month CD at 4.14% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Advantage Plus Federal Credit Union is offering its Share Certificates - 60 months at 4.50% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Wyoming Savers

CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Wyoming saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.

How CD Interest Is Paid in Wyoming

Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Wyoming CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates in Wyoming

Most CDs carry a fixed rate that is locked for the entire term, protecting a Wyoming depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.

Frequently Asked Questions about CD Rates in Wyoming

Are CD rates in Wyoming FDIC insured?

Yes, most established banks in Wyoming are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.

Do I have to pay state taxes on CD interest in Wyoming?

Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Wyoming.

Can I withdraw my money early from a CD?

You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.

What is the difference between a Jumbo CD and a regular CD?

Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in Wyoming may offer slightly higher APYs compared to standard CDs.

Are fixed-rate CDs better than variable-rate CDs?

Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.

What is a CD ladder?

A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.

Best CD rates in Wyoming?

Here are recent top rates found for this area:
  • Advantage Plus Federal Credit Union: 4.50% APY (Share Certificates - 60 months)
  • Hilltop National Bank: 4.39% APY (18 Month Variable IRA Time Deposit)
  • Buffalo Federal Bank: 4.19% APY (24 Month CD)
  • Valley Financial Credit Union: 4.18% APY (24 Month Certificate)
  • FirsTier Bank: 4.14% APY (3 Month CD)
  • StagePoint Federal Credit Union: 4.07% APY (6 Month Share Certificate)
  • CAMPCO: 4.05% APY (Share Certificate - 6 Month)
  • Sheridan Community Federal Credit Union: 4.00% APY (6 Month Certificate)
  • Grand Altitude Federal Credit Union: 3.95% APY (Share & IRA Certificates - 12 Month)
  • Bank of Star Valley: 3.91% APY (1 Year Certificate)
Rates reflect recent verified offers available in Wyoming. Last Updated: October 13, 2026

Wyoming CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Wyoming rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top Wyoming CD Rates by Term

Verified October 13, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Wyoming. Averages shown use the Wyoming state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Wyoming

Wyoming CD Calculator

At today’s WY top rate of 4.50% APY, a $10,000 deposit earns $450 in the first year. Enter your amount to see your exact return.

Wyoming CD Ladder

WY CD rates currently range from 2.237% (3-month) to 3.028% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Wyoming CD at 4.50% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Wyoming’s average 12-month CD is 3.298% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Wyoming CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Wyoming directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Wyoming. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in WY.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 13, 2026

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