Wyoming Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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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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.
Current Wyoming CD rates include Sunlight Federal Credit UnionSunlight Federal Credit Union1702 17th St, Cody, WY 82414A+5.0 ★Texas Ratio: 4.25%Real return: +14.43%APY minus CPI (February 2026) offering 6 Month Youth at 17.23% APY, Sheridan Community Federal Credit UnionSheridan Community Federal Credit Union141 S Gould St, Sheridan, WY 82801A5.0 ★Texas Ratio: 7.90%Real return: +1.20%APY minus CPI (February 2026) offering 6 months at 4.00% APY, Valley Financial Credit UnionValley Financial Credit Union1902 Cougar Ave, Cody, WY 82414A+5.0 ★Texas Ratio: 1.96%Real return: +1.17%APY minus CPI (February 2026) offering 12 Month Certificate at 3.97% APY, FirsTier BankFirsTier Bank1508 Stillwater Ave, Cheyenne, WY 82009A5.0 ★Texas Ratio: 8.87%Real return: +1.15%APY minus CPI (February 2026) offering 12 Month CD at 3.95% APY, and Bank of Star ValleyBank of Star Valley384 S Washington St, Afton, WY 83110A+5.0 ★Texas Ratio: 0.01%Real return: +1.11%APY minus CPI (February 2026) offering 1 Year Certificate at 3.91% APY. CD rates as of September 1, 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 17.23% APY from Sunlight Federal Credit Union at 1702 17th St, Cody, WY 82414. Rates are continually updated — 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: September 1, 2026
Compare Best CD Rates in Wyoming
Wyoming 3 Month CD Rates
MonitorBankRates National Average — 3 Month CD1.96% APY▲ 0.02% from last week
The national average 3-month CD rate is 1.96% APY as of September 2, 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
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
840 Hitching Post Dr, Green River, WY 82935 5554
Business 3 Month Certificate
$0
3.85%
▲ 1.89% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.89% above avg
Details
Sheridan Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
141 S Gould St, Sheridan, WY 82801
3 months
$0
3.75%
▲ 1.79% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.79% above avg
Details
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
840 Hitching Post Dr, Green River, WY 82935 5554
3 Month Certificate
$200
3.75%
▲ 1.79% above national avg
▼
Rate3.70%
Min Deposit$200
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.79% above avg
Details
FirsTier Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
1508 Stillwater Ave, Cheyenne, WY 82009
3 Month CD
$0
3.60%
▲ 1.64% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.64% above avg
Details
A penalty may be imposed for early withdrawal. Certificate will automatically renew to a fixed rate CD of the equivalent term with the current rate at renewal. The Annual Percentage Yield is current as of August 24, 2026, and is subject to change at any time without notice.
First Federal Bank & Trust
Institution Rating:
B+4.8 ★Texas Ratio: 16.90%
671 Illinois St, Sheridan, WY 82801
3 Month CD
$250,000
3.10%
▲ 1.14% above national avg
▼
Rate—
Min Deposit$250,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.14% above avg
Details
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
1700 N Federal Blvd, Riverton, WY 82501
CD's & IRA's Min. - 3 months
$0
3.03%
▲ 1.07% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.07% above avg
Details
$100,000.00
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
99 S Main St, Buffalo, WY 82834
Business 90 Day Certificate
$0
3.00%
▲ 1.04% above national avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.04% above avg
Details
First Federal Bank & Trust
Institution Rating:
B+4.8 ★Texas Ratio: 16.90%
671 Illinois St, Sheridan, WY 82801
3 Month CD
$0
3.00%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.04% above avg
Details
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
1700 N Federal Blvd, Riverton, WY 82501
CD's & IRA's Min. - 3 months
$0
2.93%
▲ 0.97% above national avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.97% above avg
Details
$25,000.00-$99,999.99
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
1700 N Federal Blvd, Riverton, WY 82501
CDs and IRAs - 3 months
$0
2.83%
▲ 0.87% above national avg
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.87% above avg
Details
$1,000-$25,000
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
384 S Washington St, Afton, WY 83110
3 Month Certificate
$0
2.78%
▲ 0.82% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average1.96%▲ 0.82% above avg
Details
Sunlight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1702 17th St, Cody, WY 82414
3 Month
$500
2.78%
▲ 0.82% above national avg
▼
Rate2.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.82% above avg
Details
Early Withdrawal Penalty: 90 Days Interest
FNB of Wyoming
Institution Rating:
A5.0 ★Texas Ratio: 7.09%
24 N Sumner Ave, Newcastle, WY 82701
3 Month
$2,500
2.02%
▲ 0.06% above national avg
▼
Rate2.00%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.06% above avg
Details
Security State Bank Basin, WY
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
201 S 4th St, Basin, WY 82410
3 Month CD
$1,000
1.86%
▼ 0.10% below national avg
▼
Rate1.85%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 1, 2026
National Average1.96%▼ 0.10% below avg
Details
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
1700 N Federal Blvd, Riverton, WY 82501
CD's & IRA's Min. - Less than 90 days
$0
1.81%
▼ 0.15% below national avg
▼
Rate1.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.15% below avg
Details
$100,000.00
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
1700 N Federal Blvd, Riverton, WY 82501
CD's & IRA's Min. - Less than 90 days
$0
1.71%
▼ 0.25% below national avg
▼
Rate1.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.25% below avg
Details
$25,000.00-$99,999.99
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
1700 N Federal Blvd, Riverton, WY 82501
CDs and IRAs - Less than 90 days
$0
1.61%
▼ 0.35% below national avg
▼
Rate1.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.35% below avg
Details
$1,000-$25,000
Jonah Bank of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
777 W 1st St, Casper, WY 82601
3 Months
$0
1.31%
▼ 0.65% below national avg
▼
Rate1.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.65% below avg
Details
Western Vista Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.22%
3207 Sparks Rd, Cheyenne, WY 82001
3 Mos.
$500
1.25%
▼ 0.71% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.71% below avg
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
110 Center St, Jackson, WY 83001
3 month Standard Fixed Rate CD
$2,500
0.06%
▼ 1.90% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.90% below avg
Details
Early withdrawal penalties may apply. Additional terms are available at a branch. Relationship Interest Rate 0.06%.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
110 Center St, Jackson, WY 83001
3 month Standard Interest Rate
$2,500
0.06%
▼ 1.90% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.90% below avg
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
110 Center St, Jackson, WY 83001
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 1.91% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.91% below avg
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
110 Center St, Jackson, WY 83001
3 month Standard Interest Rate
$2,500
0.05%
▼ 1.91% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.91% below avg
Details
Relationship Interest Rate 0.06%
Wyoming 6 Month CD Rates
MonitorBankRates National Average — 6 Month CD2.67% APY▲ 0.03% from last week
The national average 6-month CD rate is 2.67% APY as of September 2, 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
Sunlight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1702 17th St, Cody, WY 82414
6 Month Youth
$100
17.23%
▲ 14.56% above national avg
▼
Rate16.00%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 14.56% above avg
Details
Early Withdrawal Penalty: 90 Days Interest
Sheridan Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
141 S Gould St, Sheridan, WY 82801
6 months
$0
4.00%
▲ 1.33% above national avg
▼
Rate3.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
1902 Cougar Ave, Cody, WY 82414
6 Month Certificate
$1,000
3.97%
▲ 1.30% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.30% above avg
Details
Limited time special! Rates effective as of August 1, 2026.
FirsTier Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
1508 Stillwater Ave, Cheyenne, WY 82009
6 Month CD
$0
3.90%
▲ 1.23% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.23% above avg
Details
A penalty may be imposed for early withdrawal. Certificate will automatically renew to a fixed rate CD of the equivalent term with the current rate at renewal. The Annual Percentage Yield is current as of August 24, 2026, and is subject to change at any time without notice.
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
840 Hitching Post Dr, Green River, WY 82935 5554
Business 6 Month Certificate
$0
3.75%
▲ 1.08% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
CAMPCO
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
101 Ranch Dr, Wright, WY 82732
Share Certificate - 6 Month
$0
3.75%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
840 Hitching Post Dr, Green River, WY 82935 5554
6 Month Certificate
$200
3.65%
▲ 0.98% above national avg
▼
Rate3.60%
Min Deposit$200
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details
Atlantic City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1701 N Federal Blvd, Riverton, WY 82501 5201
Share & IRA Certificates 6 Month
$0
3.58%
▲ 0.91% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.91% above avg
Details
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
384 S Washington St, Afton, WY 83110
6 Month Certificate
$0
3.55%
▲ 0.88% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.67%▲ 0.88% above avg
Details
Western Vista Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.22%
3207 Sparks Rd, Cheyenne, WY 82001
6 Mos.
$500
3.50%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
Uniwyo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
1000 E University Ave, Laramie, WY 82071 2000
6 Month
$100
3.45%
▲ 0.78% above national avg
▼
Rate3.39%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.78% above avg
Details
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
2223 Warren Ave, Cheyenne, WY 82001
6 months
$500
3.45%
▲ 0.78% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.78% above avg
Details
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
2223 Warren Ave, Cheyenne, WY 82001
Business Certificates 6 months
$500
3.45%
▲ 0.78% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.78% above avg
Details
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 11.08%
2717 S Douglas Hwy, Gillette, WY 82718 6417
6 Month
$500
3.40%
▲ 0.73% above national avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.73% above avg
Details
Honors Rate*: 3.45% | Platinum Rate*: 3.60%
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
1700 N Federal Blvd, Riverton, WY 82501
CD's & IRA's Min. - 6 months
$0
3.33%
▲ 0.66% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.66% above avg
Details
$100,000.00
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
1700 N Federal Blvd, Riverton, WY 82501
CD's & IRA's Min. - 6 months
$0
3.23%
▲ 0.56% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.56% above avg
Details
$25,000.00-$99,999.99
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
414 E 18th St, Cheyenne, WY 82001 4616
6-Month IRA
$0
3.15%
▲ 0.48% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.48% above avg
Details
FNB of Wyoming
Institution Rating:
A5.0 ★Texas Ratio: 7.09%
24 N Sumner Ave, Newcastle, WY 82701
IRA Fixed - 6 Month
$25
3.14%
▲ 0.47% above national avg
▼
Rate3.10%
Min Deposit$25
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.47% above avg
Details
Security State Bank Basin, WY
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
201 S 4th St, Basin, WY 82410
6 Month CD
$1,000
3.14%
▲ 0.47% above national avg
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.67%▲ 0.47% above avg
Details
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
1700 N Federal Blvd, Riverton, WY 82501
CDs and IRAs - 6 months
$0
3.12%
▲ 0.45% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.45% above avg
Details
$1,000-$25,000
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
414 E 18th St, Cheyenne, WY 82001 4616
6-Month IRA
$0
3.10%
▲ 0.43% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.43% above avg
Details
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
99 S Main St, Buffalo, WY 82834
Business 180 Day Certificate
$0
3.10%
▲ 0.43% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.43% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
414 E 18th St, Cheyenne, WY 82001 4616
6-Month IRA
$0
3.05%
▲ 0.38% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.38% above avg
Details
FNB of Wyoming
Institution Rating:
A5.0 ★Texas Ratio: 7.09%
24 N Sumner Ave, Newcastle, WY 82701
6 Month
$2,500
3.03%
▲ 0.36% above national avg
▼
Rate3.00%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.36% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
414 E 18th St, Cheyenne, WY 82001 4616
6-Month IRA
$0
3.00%
▲ 0.33% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.33% above avg
Details
First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
120 W Carlson St, Cheyenne, WY 82009
6-Month Certificate
$0
2.78%
▲ 0.11% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.11% above avg
Details
Sunlight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1702 17th St, Cody, WY 82414
6 Month
$500
2.78%
▲ 0.11% above national avg
▼
Rate2.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.11% above avg
Details
Early Withdrawal Penalty: 90 Days Interest
Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
4523 Driftwood Dr, Cheyenne, WY 82009 7301
6 Month
$500
2.00%
▼ 0.67% below national avg
▼
Rate1.99%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 0.67% below avg
Details
Jonah Bank of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
777 W 1st St, Casper, WY 82601
6 Months
$0
1.41%
▼ 1.26% below national avg
▼
Rate1.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.26% below avg
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
110 Center St, Jackson, WY 83001
6 month Standard Interest Rate
$2,500
0.06%
▼ 2.61% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 2.61% below avg
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
110 Center St, Jackson, WY 83001
6 month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.62% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 2.62% below avg
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
110 Center St, Jackson, WY 83001
6 month Standard Interest Rate
$2,500
0.05%
▼ 2.62% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 2.62% below avg
Details
Relationship Interest Rate 0.05%
Wyoming 12 Month CD Rates
MonitorBankRates National Average — 12 Month CD2.83% APY▲ 0.02% from last week
The national average 12-month CD rate is 2.83% APY as of September 2, 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
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
1902 Cougar Ave, Cody, WY 82414
12 Month Certificate
$500
3.97%
▲ 1.14% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.14% above avg
Details
Limited time special! Rates effective as of August 1, 2026.
FirsTier Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
1508 Stillwater Ave, Cheyenne, WY 82009
12 Month CD
$0
3.95%
▲ 1.12% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.12% above avg
Details
A penalty may be imposed for early withdrawal. Certificate will automatically renew to a fixed rate CD of the equivalent term with the current rate at renewal. The Annual Percentage Yield is current as of August 24, 2026, and is subject to change at any time without notice.
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
384 S Washington St, Afton, WY 83110
1 Year Certificate
$0
3.91%
▲ 1.08% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.83%▲ 1.08% above avg
Details
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
384 S Washington St, Afton, WY 83110
1 Year Certificate
$0
3.80%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.83%▲ 0.97% above avg
Details
Sheridan Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
141 S Gould St, Sheridan, WY 82801
12 months
$0
3.75%
▲ 0.92% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 11.08%
2717 S Douglas Hwy, Gillette, WY 82718 6417
12 Month
$500
3.65%
▲ 0.82% above national avg
▼
Rate3.59%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.82% above avg
Details
Honors Rate*: 3.69% | Platinum Rate*: 3.84%
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
840 Hitching Post Dr, Green River, WY 82935 5554
12 Month Certificate
$0
3.65%
▲ 0.82% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.82% above avg
Details
Dividends Post Quarterly
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
414 E 18th St, Cheyenne, WY 82001 4616
1-Year IRA
$0
3.55%
▲ 0.72% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.72% above avg
Details
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
840 Hitching Post Dr, Green River, WY 82935 5554
12 Month Certificate
$200
3.55%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$200
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.72% above avg
Details
CAMPCO
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
101 Ranch Dr, Wright, WY 82732
Share Certificate - 12 Month
$0
3.55%
▲ 0.72% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.72% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
414 E 18th St, Cheyenne, WY 82001 4616
1-Year IRA
$0
3.50%
▲ 0.67% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details
Atlantic City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1701 N Federal Blvd, Riverton, WY 82501 5201
Share & IRA Certificates 12 Month
$0
3.50%
▲ 0.67% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
414 E 18th St, Cheyenne, WY 82001 4616
1-Year IRA
$0
3.45%
▲ 0.62% above national avg
▼
Rate3.39%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.62% above avg
Details
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
840 Hitching Post Dr, Green River, WY 82935 5554
Business 12 Month Certificate
$0
3.45%
▲ 0.62% above national avg
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.62% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
414 E 18th St, Cheyenne, WY 82001 4616
1-Year IRA
$0
3.40%
▲ 0.57% above national avg
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.57% above avg
Details
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
1700 N Federal Blvd, Riverton, WY 82501
CD's & IRA's Min. - 1 Year
$0
3.40%
▲ 0.57% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.57% above avg
Details
$100,000.00
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
99 S Main St, Buffalo, WY 82834
Business 12 Month Certificate
$0
3.30%
▲ 0.47% above national avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.47% above avg
Details
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
1700 N Federal Blvd, Riverton, WY 82501
CD's & IRA's Min. - 1 Year
$0
3.30%
▲ 0.47% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.47% above avg
Details
$25,000.00-$99,999.99
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
2223 Warren Ave, Cheyenne, WY 82001
12 months
$500
3.30%
▲ 0.47% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.47% above avg
Details
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
2223 Warren Ave, Cheyenne, WY 82001
Business Certificates 12 months
$500
3.30%
▲ 0.47% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.47% above avg
Details
Western Vista Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.22%
3207 Sparks Rd, Cheyenne, WY 82001
12 Mos.
$500
3.25%
▲ 0.42% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.42% above avg
Details
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
1700 N Federal Blvd, Riverton, WY 82501
CDs and IRAs - 1 Year
$0
3.20%
▲ 0.37% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.37% above avg
Details
$1,000-$25,000
FNB of Wyoming
Institution Rating:
A5.0 ★Texas Ratio: 7.09%
24 N Sumner Ave, Newcastle, WY 82701
12 Month (1 Year)
$100
3.19%
▲ 0.36% above national avg
▼
Rate3.15%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.36% above avg
Details
Security State Bank Basin, WY
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
201 S 4th St, Basin, WY 82410
12 Month CD
$1,000
3.09%
▲ 0.26% above national avg
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.83%▲ 0.26% above avg
Details
First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
120 W Carlson St, Cheyenne, WY 82009
12-Month Certificate
$0
3.04%
▲ 0.21% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.21% above avg
Details
Sunlight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1702 17th St, Cody, WY 82414
1 Year
$500
3.04%
▲ 0.21% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.21% above avg
Details
Early Withdrawal Penalty: 180 Days Interest
Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
4523 Driftwood Dr, Cheyenne, WY 82009 7301
12 Month
$500
2.25%
▼ 0.58% below national avg
▼
Rate2.24%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 0.58% below avg
Details
Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
4523 Driftwood Dr, Cheyenne, WY 82009 7301
IRA 12 Month
$500
2.25%
▼ 0.58% below national avg
▼
Rate2.24%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 0.58% below avg
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
110 Center St, Jackson, WY 83001
1 year Standard Fixed Rate CD
$2,500
1.51%
▼ 1.32% below national avg
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.32% below avg
Details
Early withdrawal penalties may apply. Additional terms are available at a branch. Relationship Interest Rate 1.50%.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
110 Center St, Jackson, WY 83001
1 year Standard Interest Rate
$2,500
1.51%
▼ 1.32% below national avg
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.32% below avg
Details
Relationship APY 1.51%
Jonah Bank of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
777 W 1st St, Casper, WY 82601
12 Months
$0
1.51%
▼ 1.32% below national avg
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.32% below avg
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
110 Center St, Jackson, WY 83001
1 year Standard Fixed Rate CD
$2,500
1.50%
▼ 1.33% below national avg
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.33% below avg
Details
Relationship APY 1.51%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
110 Center St, Jackson, WY 83001
1 year Standard Interest Rate
$2,500
1.50%
▼ 1.33% below national avg
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.33% below avg
Details
Relationship Interest Rate 1.50%
Wyoming 18 Month CD Rates
MonitorBankRates National Average — 18 Month CD2.68% APY▲ 0.04% from last week
The national average 18-month CD rate is 2.68% APY as of September 2, 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:
A5.0 ★Texas Ratio: 8.87%
1508 Stillwater Ave, Cheyenne, WY 82009
18 Month CD
$0
3.60%
▲ 0.92% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.92% above avg
Details
A penalty may be imposed for early withdrawal. Certificate will automatically renew to a fixed rate CD of the equivalent term with the current rate at renewal. The Annual Percentage Yield is current as of August 24, 2026, and is subject to change at any time without notice.
Uniwyo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
1000 E University Ave, Laramie, WY 82071 2000
18 Month
$100
3.60%
▲ 0.92% above national avg
▼
Rate3.54%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.92% above avg
Details
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
840 Hitching Post Dr, Green River, WY 82935 5554
18 Month Certificate
$0
3.50%
▲ 0.82% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.82% above avg
Details
Dividends Post Quarterly
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
384 S Washington St, Afton, WY 83110
18 Month Variable Certificate
$0
3.42%
▲ 0.74% above national avg
▼
Rate3.38%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.68%▲ 0.74% above avg
Details
Rate: 50% of Wall Street Journal Prime
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
840 Hitching Post Dr, Green River, WY 82935 5554
18 Month Certificate
$200
3.40%
▲ 0.72% above national avg
▼
Rate3.36%
Min Deposit$200
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.72% above avg
Details
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
384 S Washington St, Afton, WY 83110
18 Month Certificate
$0
3.39%
▲ 0.71% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.68%▲ 0.71% above avg
Details
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
840 Hitching Post Dr, Green River, WY 82935 5554
Business 18 Month Certificate
$0
3.30%
▲ 0.62% above national avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.62% above avg
Details
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
384 S Washington St, Afton, WY 83110
18 Month Certificate
$0
3.29%
▲ 0.61% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.68%▲ 0.61% above avg
Details
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
2223 Warren Ave, Cheyenne, WY 82001
18 months
$500
3.20%
▲ 0.52% above national avg
▼
Rate3.15%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.52% above avg
Details
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
2223 Warren Ave, Cheyenne, WY 82001
Business Certificates 18 months
$500
3.20%
▲ 0.52% above national avg
▼
Rate3.15%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.52% above avg
Details
FNB of Wyoming
Institution Rating:
A5.0 ★Texas Ratio: 7.09%
24 N Sumner Ave, Newcastle, WY 82701
IRA Fixed - 18 Month
$25
3.14%
▲ 0.46% above national avg
▼
Rate3.10%
Min Deposit$25
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.46% above avg
Details
Security State Bank Basin, WY
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
201 S 4th St, Basin, WY 82410
18 Month CD
$1,000
3.04%
▲ 0.36% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.68%▲ 0.36% above avg
Details
FNB of Wyoming
Institution Rating:
A5.0 ★Texas Ratio: 7.09%
24 N Sumner Ave, Newcastle, WY 82701
18 Month (1.5 Year)
$100
3.03%
▲ 0.35% above national avg
▼
Rate3.00%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.35% above avg
Details
FNB of Wyoming
Institution Rating:
A5.0 ★Texas Ratio: 7.09%
24 N Sumner Ave, Newcastle, WY 82701
IRA Variable - 18 Month
$25
3.03%
▲ 0.35% above national avg
▼
Rate3.00%
Min Deposit$25
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.35% above avg
Details
Western Vista Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.22%
3207 Sparks Rd, Cheyenne, WY 82001
18 Mos.
$500
3.00%
▲ 0.32% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.32% above avg
Details
Sunlight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1702 17th St, Cody, WY 82414
18 Month
$500
2.78%
▲ 0.10% above national avg
▼
Rate2.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.10% above avg
Details
Early Withdrawal Penalty: 180 Days Interest
Security State Bank Basin, WY
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
201 S 4th St, Basin, WY 82410
18 Month CD
$1,000
2.63%
▼ 0.05% below national avg
▼
Rate2.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.68%▼ 0.05% below avg
Details
First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
120 W Carlson St, Cheyenne, WY 82009
18-Month Certificate
$0
2.53%
▼ 0.15% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 0.15% below avg
Details
Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
4523 Driftwood Dr, Cheyenne, WY 82009 7301
18 Month
$500
2.31%
▼ 0.37% below national avg
▼
Rate2.29%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 0.37% below avg
Details
Jonah Bank of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
777 W 1st St, Casper, WY 82601
18 Months
$0
1.56%
▼ 1.12% below national avg
▼
Rate1.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 1.12% below avg
Details
Wyoming 24 Month CD Rates
MonitorBankRates National Average — 24 Month CD2.71% APY▲ 0.02% from last week
The national average 24-month CD rate is 2.71% APY as of September 2, 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
Sheridan Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
141 S Gould St, Sheridan, WY 82801
24 months
$0
3.75%
▲ 1.04% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details
Uniwyo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
1000 E University Ave, Laramie, WY 82071 2000
2 Year
$100
3.70%
▲ 0.99% above national avg
▼
Rate3.63%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.99% above avg
Details
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
1902 Cougar Ave, Cody, WY 82414
24 Month Certificate
$500
3.66%
▲ 0.95% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.95% above avg
Details
Limited time special! Rates effective as of August 1, 2026.
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 11.08%
2717 S Douglas Hwy, Gillette, WY 82718 6417
24 Month
$500
3.65%
▲ 0.94% above national avg
▼
Rate3.59%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.94% above avg
Details
Honors Rate*: 3.69% | Platinum Rate*: 3.84%
Atlantic City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1701 N Federal Blvd, Riverton, WY 82501 5201
Share & IRA Certificates 24 Month
$0
3.55%
▲ 0.84% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.84% above avg
Details
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
1700 N Federal Blvd, Riverton, WY 82501
CD's & IRA's Min. - 2 Year
$0
3.45%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.74% above avg
Details
$100,000.00
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
99 S Main St, Buffalo, WY 82834
Business 24 Month Certificate
$0
3.35%
▲ 0.64% above national avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.64% above avg
Details
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
1700 N Federal Blvd, Riverton, WY 82501
CD's & IRA's Min. - 2 Year
$0
3.35%
▲ 0.64% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.64% above avg
Details
$25,000.00-$99,999.99
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
840 Hitching Post Dr, Green River, WY 82935 5554
24 Month Certificate
$0
3.30%
▲ 0.59% above national avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.59% above avg
Details
Dividends Post Quarterly
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
384 S Washington St, Afton, WY 83110
2 Year Certificate
$0
3.29%
▲ 0.58% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.71%▲ 0.58% above avg
Details
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
1700 N Federal Blvd, Riverton, WY 82501
CDs and IRAs - 2 Year
$0
3.25%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
$1,000-$25,000
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
2223 Warren Ave, Cheyenne, WY 82001
24 months
$500
3.25%
▲ 0.54% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
2223 Warren Ave, Cheyenne, WY 82001
Business Certificates 24 months
$500
3.25%
▲ 0.54% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
840 Hitching Post Dr, Green River, WY 82935 5554
Business 24 Month Certificate
$0
3.25%
▲ 0.54% above national avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
840 Hitching Post Dr, Green River, WY 82935 5554
24 Month Certificate
$200
3.20%
▲ 0.49% above national avg
▼
Rate3.16%
Min Deposit$200
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.49% above avg
Details
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
384 S Washington St, Afton, WY 83110
2 Year Certificate
$0
3.19%
▲ 0.48% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.71%▲ 0.48% above avg
Details
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
384 S Washington St, Afton, WY 83110
One time Bump 2 year term
$0
3.19%
▲ 0.48% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.71%▲ 0.48% above avg
Details
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
384 S Washington St, Afton, WY 83110
One Time Bump CD 2 year term
$0
3.09%
▲ 0.38% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.71%▲ 0.38% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
414 E 18th St, Cheyenne, WY 82001 4616
2-Year IRA
$0
3.05%
▲ 0.34% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.34% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
414 E 18th St, Cheyenne, WY 82001 4616
2-Year IRA
$0
3.00%
▲ 0.29% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.29% above avg
Details
Western Vista Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.22%
3207 Sparks Rd, Cheyenne, WY 82001
24 Mos.
$500
3.00%
▲ 0.29% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.29% above avg
Details
CAMPCO
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
101 Ranch Dr, Wright, WY 82732
Share Certificate - 24 Month
$0
3.00%
▲ 0.29% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.29% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
414 E 18th St, Cheyenne, WY 82001 4616
2-Year IRA
$0
2.95%
▲ 0.24% above national avg
▼
Rate2.91%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.24% above avg
Details
FNB of Wyoming
Institution Rating:
A5.0 ★Texas Ratio: 7.09%
24 N Sumner Ave, Newcastle, WY 82701
24 Month (2 Year)
$100
2.93%
▲ 0.22% above national avg
▼
Rate2.90%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.22% above avg
Details
FNB of Wyoming
Institution Rating:
A5.0 ★Texas Ratio: 7.09%
24 N Sumner Ave, Newcastle, WY 82701
30 Month (2 1/2 Year)
$100
2.93%
▲ 0.22% above national avg
▼
Rate2.90%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.22% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
414 E 18th St, Cheyenne, WY 82001 4616
2-Year IRA
$0
2.90%
▲ 0.19% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.19% above avg
Details
Security State Bank Basin, WY
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
201 S 4th St, Basin, WY 82410
24 Month CD
$1,000
2.78%
▲ 0.07% above national avg
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.71%▲ 0.07% above avg
Details
Sunlight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1702 17th St, Cody, WY 82414
2 Year
$500
2.78%
▲ 0.07% above national avg
▼
Rate2.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.07% above avg
Details
Early Withdrawal Penalty: 180 Days Interest
First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
120 W Carlson St, Cheyenne, WY 82009
24-Month Certificate
$0
2.63%
▼ 0.08% below national avg
▼
Rate2.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.08% below avg
Details
Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
4523 Driftwood Dr, Cheyenne, WY 82009 7301
24 Month
$500
2.36%
▼ 0.35% below national avg
▼
Rate2.34%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.35% below avg
Details
Jonah Bank of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
777 W 1st St, Casper, WY 82601
2 Years
$0
1.61%
▼ 1.10% below national avg
▼
Rate1.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 1.10% below avg
Details
Wyoming 36 Month CD Rates
MonitorBankRates National Average — 36 Month CD2.66% APY▲ 0.03% from last week
The national average 36-month CD rate is 2.66% APY as of September 2, 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
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 11.08%
2717 S Douglas Hwy, Gillette, WY 82718 6417
36 Month
$500
3.70%
▲ 1.05% above national avg
▼
Rate3.64%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.05% above avg
Details
Honors Rate*: 3.74% | Platinum Rate*: 3.89%
Atlantic City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1701 N Federal Blvd, Riverton, WY 82501 5201
Share & IRA Certificates 36 Month
$0
3.60%
▲ 0.95% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.95% above avg
Details
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
1700 N Federal Blvd, Riverton, WY 82501
CD's & IRA's Min. - 3 Year
$0
3.45%
▲ 0.80% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.80% above avg
Details
$100,000.00
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
99 S Main St, Buffalo, WY 82834
Business 36 Month Certificate
$0
3.40%
▲ 0.75% above national avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.75% above avg
Details
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
1700 N Federal Blvd, Riverton, WY 82501
CD's & IRA's Min. - 3 Year
$0
3.35%
▲ 0.70% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.70% above avg
Details
$25,000.00-$99,999.99
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
2223 Warren Ave, Cheyenne, WY 82001
36 months
$500
3.30%
▲ 0.65% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.65% above avg
Details
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
2223 Warren Ave, Cheyenne, WY 82001
Business Certificates 36 months
$500
3.30%
▲ 0.65% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.65% above avg
Details
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
1700 N Federal Blvd, Riverton, WY 82501
CDs and IRAs - 3 Year
$0
3.25%
▲ 0.60% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
Details
$1,000-$25,000
Sheridan Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
141 S Gould St, Sheridan, WY 82801
36 months
$0
3.25%
▲ 0.60% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
Details
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
840 Hitching Post Dr, Green River, WY 82935 5554
36 Month Certificate
$0
3.25%
▲ 0.60% above national avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
Details
Dividends Post Quarterly
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
840 Hitching Post Dr, Green River, WY 82935 5554
Business 36 Month Certificate
$0
3.15%
▲ 0.50% above national avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.50% above avg
Details
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
384 S Washington St, Afton, WY 83110
3 Year Certificate
$0
3.14%
▲ 0.49% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▲ 0.49% above avg
Details
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
840 Hitching Post Dr, Green River, WY 82935 5554
36 Month Certificate
$200
3.10%
▲ 0.45% above national avg
▼
Rate3.07%
Min Deposit$200
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.45% above avg
Details
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
384 S Washington St, Afton, WY 83110
3 Year Certificate
$0
3.03%
▲ 0.38% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▲ 0.38% above avg
Details
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
384 S Washington St, Afton, WY 83110
One time Bump 3 year term
$0
3.03%
▲ 0.38% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▲ 0.38% above avg
Details
Western Vista Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.22%
3207 Sparks Rd, Cheyenne, WY 82001
36 Mos.
$500
3.00%
▲ 0.35% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.35% above avg
Details
CAMPCO
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
101 Ranch Dr, Wright, WY 82732
Share Certificate - 36 Month
$0
3.00%
▲ 0.35% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.35% above avg
Details
FNB of Wyoming
Institution Rating:
A5.0 ★Texas Ratio: 7.09%
24 N Sumner Ave, Newcastle, WY 82701
36 Month (3 Year)
$100
2.93%
▲ 0.28% above national avg
▼
Rate2.90%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.28% above avg
Details
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
384 S Washington St, Afton, WY 83110
One Time Bump CD 3 year term
$0
2.93%
▲ 0.28% above national avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▲ 0.28% above avg
Details
Security State Bank Basin, WY
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
201 S 4th St, Basin, WY 82410
36 Month CD
$1,000
2.78%
▲ 0.13% above national avg
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▲ 0.13% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
414 E 18th St, Cheyenne, WY 82001 4616
3-Year IRA
$0
2.70%
▲ 0.05% above national avg
▼
Rate2.66%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.05% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
414 E 18th St, Cheyenne, WY 82001 4616
3-Year IRA
$0
2.65%
At national avg
▼
Rate2.62%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%At the average
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
414 E 18th St, Cheyenne, WY 82001 4616
3-Year IRA
$0
2.60%
▼ 0.05% below national avg
▼
Rate2.57%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.05% below avg
Details
Security State Bank Basin, WY
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
201 S 4th St, Basin, WY 82410
36 Month CD
$1,000
2.58%
▼ 0.07% below national avg
▼
Rate2.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▼ 0.07% below avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
414 E 18th St, Cheyenne, WY 82001 4616
3-Year IRA
$0
2.55%
▼ 0.10% below national avg
▼
Rate2.52%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.10% below avg
Details
Sunlight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1702 17th St, Cody, WY 82414
3 Year
$500
2.53%
▼ 0.13% below national avg
▼
Rate2.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.13% below avg
Details
Early Withdrawal Penalty: 180 Days Interest
Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
4523 Driftwood Dr, Cheyenne, WY 82009 7301
36 Month
$500
2.41%
▼ 0.24% below national avg
▼
Rate2.39%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.24% below avg
Details
Jonah Bank of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
777 W 1st St, Casper, WY 82601
3 Years
$0
1.71%
▼ 0.94% below national avg
▼
Rate1.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.94% below avg
Details
First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
120 W Carlson St, Cheyenne, WY 82009
36-Month Certificate
$0
1.00%
▼ 1.65% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.65% below avg
Details
Wyoming 48 Month CD Rates
MonitorBankRates National Average — 48 Month CD2.66% APY▲ 0.04% from last week
The national average 48-month CD rate is 2.66% APY as of September 2, 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
Uniwyo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
1000 E University Ave, Laramie, WY 82071 2000
4 Year
$100
3.80%
▲ 1.14% above national avg
▼
Rate3.73%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.14% above avg
Details
Atlantic City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1701 N Federal Blvd, Riverton, WY 82501 5201
Share & IRA Certificates 48 Month
$0
3.65%
▲ 0.99% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.99% above avg
Details
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 11.08%
2717 S Douglas Hwy, Gillette, WY 82718 6417
48 Month
$500
3.55%
▲ 0.89% above national avg
▼
Rate3.49%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.89% above avg
Details
Honors Rate*: 3.59% | Platinum Rate*: 3.74%
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
99 S Main St, Buffalo, WY 82834
Business 48 Month Certificate
$0
3.45%
▲ 0.79% above national avg
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.79% above avg
Details
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
1700 N Federal Blvd, Riverton, WY 82501
CD's & IRA's Min. - 4 Year
$0
3.45%
▲ 0.79% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.79% above avg
Details
$100,000.00
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
384 S Washington St, Afton, WY 83110
4 Year Certificate
$0
3.39%
▲ 0.73% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▲ 0.73% above avg
Details
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
1700 N Federal Blvd, Riverton, WY 82501
CD's & IRA's Min. - 4 Year
$0
3.35%
▲ 0.69% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.69% above avg
Details
$25,000.00-$99,999.99
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
2223 Warren Ave, Cheyenne, WY 82001
48 months
$500
3.35%
▲ 0.69% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.69% above avg
Details
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
2223 Warren Ave, Cheyenne, WY 82001
Business Certificates 48 months
$500
3.35%
▲ 0.69% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.69% above avg
Details
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
840 Hitching Post Dr, Green River, WY 82935 5554
48 Month Certificate
$0
3.30%
▲ 0.64% above national avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.64% above avg
Details
Dividends Post Quarterly
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
384 S Washington St, Afton, WY 83110
4 Year Certificate
$0
3.29%
▲ 0.63% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▲ 0.63% above avg
Details
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
1700 N Federal Blvd, Riverton, WY 82501
CDs and IRAs - 4 Year
$0
3.25%
▲ 0.59% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.59% above avg
Details
$1,000-$25,000
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
840 Hitching Post Dr, Green River, WY 82935 5554
Business 48 Month Certificate
$0
3.25%
▲ 0.59% above national avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.59% above avg
Details
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
840 Hitching Post Dr, Green River, WY 82935 5554
48 Month Certificate
$200
3.20%
▲ 0.54% above national avg
▼
Rate3.16%
Min Deposit$200
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.54% above avg
Details
FNB of Wyoming
Institution Rating:
A5.0 ★Texas Ratio: 7.09%
24 N Sumner Ave, Newcastle, WY 82701
48 Month (4 Year)
$100
2.93%
▲ 0.27% above national avg
▼
Rate2.90%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.27% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
414 E 18th St, Cheyenne, WY 82001 4616
4-Year IRA
$0
2.85%
▲ 0.19% above national avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.19% above avg
Details
CAMPCO
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
101 Ranch Dr, Wright, WY 82732
Share Certificate - 48 Month
$0
2.85%
▲ 0.19% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.19% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
414 E 18th St, Cheyenne, WY 82001 4616
4-Year IRA
$0
2.80%
▲ 0.14% above national avg
▼
Rate2.76%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.14% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
414 E 18th St, Cheyenne, WY 82001 4616
4-Year IRA
$0
2.75%
▲ 0.09% above national avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.09% above avg
Details
Western Vista Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.22%
3207 Sparks Rd, Cheyenne, WY 82001
48 Mos.
$500
2.75%
▲ 0.09% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.09% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
414 E 18th St, Cheyenne, WY 82001 4616
4-Year IRA
$0
2.70%
▲ 0.04% above national avg
▼
Rate2.66%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.04% above avg
Details
Security State Bank Basin, WY
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
201 S 4th St, Basin, WY 82410
48 Month CD
$1,000
2.53%
▼ 0.13% below national avg
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▼ 0.13% below avg
Details
Sunlight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1702 17th St, Cody, WY 82414
4 Year
$500
2.53%
▼ 0.13% below national avg
▼
Rate2.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.13% below avg
Details
Early Withdrawal Penalty: 180 Days Interest
Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
4523 Driftwood Dr, Cheyenne, WY 82009 7301
48 Month
$500
2.44%
▼ 0.22% below national avg
▼
Rate2.44%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.22% below avg
Details
Jonah Bank of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
777 W 1st St, Casper, WY 82601
4 Years
$0
1.82%
▼ 0.84% below national avg
▼
Rate1.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.84% below avg
Details
First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
120 W Carlson St, Cheyenne, WY 82009
48-Month Certificate
$0
1.00%
▼ 1.66% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.66% below avg
Details
Wyoming 60 Month CD Rates
MonitorBankRates National Average — 60 Month CD2.76% APY▲ 0.03% from last week
The national average 60-month CD rate is 2.76% APY as of September 2, 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
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
384 S Washington St, Afton, WY 83110
5 Year Certificate
$0
3.65%
▲ 0.89% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.76%▲ 0.89% above avg
Details
Atlantic City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1701 N Federal Blvd, Riverton, WY 82501 5201
Share & IRA Certificates 60 Month
$0
3.65%
▲ 0.89% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.89% above avg
Details
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
384 S Washington St, Afton, WY 83110
5 Year Certificate
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.76%▲ 0.79% above avg
Details
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
99 S Main St, Buffalo, WY 82834
Business 60 Month Certificate
$0
3.51%
▲ 0.75% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.75% above avg
Details
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 11.08%
2717 S Douglas Hwy, Gillette, WY 82718 6417
60 Month
$500
3.50%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.74% above avg
Details
Honors Rate*: 3.55% | Platinum Rate*: 3.70%
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
1700 N Federal Blvd, Riverton, WY 82501
CD's & IRA's Min. - 5 Year
$0
3.45%
▲ 0.69% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.69% above avg
Details
$100,000.00
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
2223 Warren Ave, Cheyenne, WY 82001
60 months
$500
3.40%
▲ 0.64% above national avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.64% above avg
Details
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
2223 Warren Ave, Cheyenne, WY 82001
Business Certificates 60 months
$500
3.40%
▲ 0.64% above national avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.64% above avg
Details
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
1700 N Federal Blvd, Riverton, WY 82501
CD's & IRA's Min. - 5 Year
$0
3.35%
▲ 0.59% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.59% above avg
Details
$25,000.00-$99,999.99
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
840 Hitching Post Dr, Green River, WY 82935 5554
60 Month Certificate
$0
3.35%
▲ 0.59% above national avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.59% above avg
Details
Dividends Post Quarterly
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
414 E 18th St, Cheyenne, WY 82001 4616
5-Year IRA
$0
3.25%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.49% above avg
Details
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
1700 N Federal Blvd, Riverton, WY 82501
CDs and IRAs - 5 Year
$0
3.25%
▲ 0.49% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.49% above avg
Details
$1,000-$25,000
Sheridan Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
141 S Gould St, Sheridan, WY 82801
60 months
$0
3.25%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.49% above avg
Details
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
840 Hitching Post Dr, Green River, WY 82935 5554
60 Month Certificate
$200
3.25%
▲ 0.49% above national avg
▼
Rate3.21%
Min Deposit$200
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.49% above avg
Details
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
840 Hitching Post Dr, Green River, WY 82935 5554
Business 60 Month Certificate
$0
3.25%
▲ 0.49% above national avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.49% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
414 E 18th St, Cheyenne, WY 82001 4616
5-Year IRA
$0
3.20%
▲ 0.44% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.44% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
414 E 18th St, Cheyenne, WY 82001 4616
5-Year IRA
$0
3.15%
▲ 0.39% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.39% above avg
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
414 E 18th St, Cheyenne, WY 82001 4616
5-Year IRA
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details
FNB of Wyoming
Institution Rating:
A5.0 ★Texas Ratio: 7.09%
24 N Sumner Ave, Newcastle, WY 82701
60 Month (5 Year)
$100
2.93%
▲ 0.17% above national avg
▼
Rate2.90%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.17% above avg
Details
CAMPCO
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
101 Ranch Dr, Wright, WY 82732
Share Certificate - 60 Month
$0
2.85%
▲ 0.09% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.09% above avg
Details
Western Vista Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.22%
3207 Sparks Rd, Cheyenne, WY 82001
60 Mos.
$500
2.75%
▼ 0.01% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.01% below avg
Details
Sunlight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1702 17th St, Cody, WY 82414
5 Year
$500
2.53%
▼ 0.23% below national avg
▼
Rate2.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.23% below avg
Details
Early Withdrawal Penalty: 180 Days Interest
Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
4523 Driftwood Dr, Cheyenne, WY 82009 7301
60 Month
$500
2.50%
▼ 0.26% below national avg
▼
Rate2.48%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.26% below avg
Details
Security State Bank Basin, WY
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
201 S 4th St, Basin, WY 82410
60 Month CD
$1,000
2.43%
▼ 0.33% below national avg
▼
Rate2.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.76%▼ 0.33% below avg
Details
Jonah Bank of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
777 W 1st St, Casper, WY 82601
5 Years
$0
1.92%
▼ 0.84% below national avg
▼
Rate1.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.84% below avg
Details
First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
120 W Carlson St, Cheyenne, WY 82009
60-Month Certificate
$0
1.10%
▼ 1.66% below national avg
▼
Rate1.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 1.66% below avg
Details
Powered by
MonitorBankRates
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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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.
12-Month CD — WY Avg
2.833%
▲ 0.161 vs 7 days ago
Wyoming 12-month CD rates rose 0.161 points over the past 7 days to 2.833% APY.
6-Month CD — WY Avg
2.672%
▲ 0.417 vs 7 days ago
Wyoming 6-month CD rates rose 0.417 points over the past 7 days to 2.672% APY.
As of Sep 2, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
WY CD Rate Forecast — Next 12 Months
Where are Wyoming CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
WY 12-Month Avg APY
2.833%
6-Month Forecast
2.833%
Range: 2.63% – 2.98%
12-Month Forecast
2.583%
Range: 2.38% – 2.73%
Powered by
MonitorBankRates
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 | 1.964% | $98.19 | $196.38 | $490.95 | $981.90 |
| 6-Month CD | 2.672% | $133.62 | $267.23 | $668.08 | $1,336.15 |
| 12-Month CD | 2.833% | $141.64 | $283.28 | $708.20 | $1,416.40 |
| 18-Month CD | 2.677% | $133.84 | $267.67 | $669.18 | $1,338.35 |
| 24-Month CD | 2.711% | $135.57 | $271.14 | $677.85 | $1,355.70 |
| 36-Month CD | 2.655% | $132.75 | $265.50 | $663.75 | $1,327.50 |
| 48-Month CD | 2.657% | $132.83 | $265.66 | $664.15 | $1,328.30 |
| 60-Month CD | 2.760% | $138.00 | $276.00 | $690.00 | $1,380.00 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 1, 2026. | |||||
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.
| Rung | Term | Deposit | WY Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.964% | $98.19 |
| 2 | 6-Month CD | $5,000 | 2.672% | $133.62 |
| 3 | 12-Month CD | $5,000 | 2.833% | $141.64 |
| 4 | 24-Month CD | $5,000 | 2.711% | $135.57 |
| 5 | 36-Month CD | $5,000 | 2.655% | $132.75 |
| Total ($25,000 invested) | $25,000 | 2.567% blended | $641.77/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.
182
CD Rates
Tracked in Wyoming
Tracked in Wyoming
12 Banks
10 Credit Unions
About Our Wyoming CD Rate Database
MonitorBankRates tracks 182 CD rates from 12 banks and 10 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 (1–5), 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: Sunlight Federal Credit Union offers a CD at 17.23% APY with a minimum deposit of $100. 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 10 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 — 22 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
$121/yr
At WY 12-mo avg 2.833% 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 2.833%, saving 10% of the local median salary ($4,266/year) and putting it in a CD would earn an additional $121 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 (90–180 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, Sunlight Federal Credit Union is offering its 6 Month Youth at 17.23% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Bank of Star Valley is offering its 5 Year Certificate at 3.65% 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:
- Sunlight Federal Credit Union: 17.23% APY (6 Month Youth)
- Sheridan Community Federal Credit Union: 4.00% APY (6 months)
- Valley Financial Credit Union: 3.97% APY (12 Month Certificate)
- FirsTier Bank: 3.95% APY (12 Month CD)
- Bank of Star Valley: 3.91% APY (1 Year Certificate)
- TRONA VALLEY COMMUNITY: 3.85% APY (Business 3 Month Certificate)
- Uniwyo Federal Credit Union: 3.80% APY (4 Year)
- CAMPCO: 3.75% APY (Share Certificate - 6 Month)
- HIGHMARK: 3.70% APY (36 Month)
- Atlantic City Federal Credit Union: 3.65% APY (Share & IRA Certificates 48 Month)
Rates reflect recent verified offers available in Wyoming. Last Updated: September 1, 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 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Wyoming
Wyoming CD Calculator
At today’s WY top rate of 17.23% APY, a $10,000 deposit earns $1,723 in the first year. Enter your amount to see your exact return.
Wyoming CD LadderWY CD rates currently range from 1.964% (3-month) to 2.655% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Wyoming CD at 17.23% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsWyoming’s average 12-month CD is 2.833% 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: September 1, 2026
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