CD Rates Cheyenne, Wyoming (WY) for April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Cheyenne, Wyoming CD rates include WyHy Federal Credit UnionWyHy Federal Credit Union1715 Stillwater Ave, Cheyenne, WY 82009 7359A-5.0 ★Texas Ratio: 14.81%Real return: +0.90%APY minus CPI (February 2026) offering Jumbo Term 6 Month Certificate at 3.70% APY, Nuvision Federal Credit UnionNuvision Federal Credit Union414 E 18th St, Cheyenne, WY 82001 4616A+5.0 ★Texas Ratio: 3.70%Real return: +0.75%APY minus CPI (February 2026) offering 1-Year Certificate at 3.55% APY, Western Vista Federal Credit UnionWestern Vista Federal Credit Union3207 Sparks Rd, Cheyenne, WY 82001A5.0 ★Texas Ratio: 7.81%Real return: +0.70%APY minus CPI (February 2026) offering Traditional & ROTH IRA 6 Mos. at 3.50% APY, First Education Federal Credit UnionFirst Education Federal Credit Union120 W Carlson St, Cheyenne, WY 82009A+5.0 ★Texas Ratio: 0.37%Real return: +0.24%APY minus CPI (February 2026) offering 12-Month Certificate at 3.04% APY, and FirsTier BankFirsTier Bank1508 Stillwater Ave, Cheyenne, WY 82009A5.0 ★Texas Ratio: 8.87%Real return: +0.15%APY minus CPI (February 2026) offering Step-Up 12 Month CD at 2.95% APY. CD rates as of April 26, 2026 according to verified data from MonitorBankRates.
We compared 95 CD rates from 8 banks and credit unions with local branches in Cheyenne, Wyoming. You can also compare 199 CD rates from 17 banks and credit unions available to Wyoming residents, including national online banks.
Cheyenne has 30 local institutions in our database, with CD rates as high as 3.70% APY from WyHy Federal Credit Union at 1715 Stillwater Ave, Cheyenne, WY 82009 7359. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Wyoming area. 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: April 26, 2026
Compare Best CD Rates in Cheyenne, Wyoming & the Surrounding Area
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Opening Deposit $250,000
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Cheyenne, WY CD Rate Trends
Compare local Cheyenne, WY 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.
Wyoming 12-month CD rates fell 0.087 points over the past 7 days to 3.000% APY.
Wyoming 6-month CD rates fell 0.195 points over the past 7 days to 2.487% APY.
WY CD Rate Forecast — Next 12 Months
Where are Wyoming CD rates headed through April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
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 | 1.802% | $90.12 | $180.23 | $450.58 | $901.15 |
| 6-Month CD | 2.487% | $124.37 | $248.73 | $621.83 | $1,243.65 |
| 12-Month CD | 3.000% | $149.99 | $299.97 | $749.93 | $1,499.85 |
| 18-Month CD | 3.171% | $158.57 | $317.13 | $792.83 | $1,585.65 |
| 24-Month CD | 3.054% | $152.72 | $305.43 | $763.58 | $1,527.15 |
| 36-Month CD | 2.932% | $146.59 | $293.18 | $732.95 | $1,465.90 |
| 48-Month CD | 2.949% | $147.44 | $294.88 | $737.20 | $1,474.40 |
| 60-Month CD | 3.062% | $153.09 | $306.18 | $765.45 | $1,530.90 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 26, 2026. | |||||
Sample CD Ladder for Cheyenne, 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 | 1.802% | $90.12 |
| 2 | 6-Month CD | $5,000 | 2.487% | $124.37 |
| 3 | 12-Month CD | $5,000 | 3.000% | $149.99 |
| 4 | 24-Month CD | $5,000 | 3.054% | $152.72 |
| 5 | 36-Month CD | $5,000 | 2.932% | $146.59 |
| Total ($25,000 invested) | $25,000 | 2.655% blended | $663.79/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.
Tracked in Cheyenne, Wyoming
About Our Cheyenne, Wyoming CD Rate Database
MonitorBankRates tracks 199 CD rates from 9 banks and 7 credit unions with locations in Cheyenne, 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: WyHy Federal Credit Union offers a CD at 3.70% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Cheyenne, Wyoming.
How to Find the Best CD Rates in Cheyenne, Wyoming
What to compare when shopping for a CD in Cheyenne, Wyoming
To find the best APYs in Cheyenne, Wyoming, start with credit unions and online-only banks — Cheyenne, Wyoming has 7 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 Cheyenne, 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 Cheyenne, Wyoming — 16 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Cheyenne, Wyoming savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Cheyenne, Wyoming money market rates
Cheyenne, Wyoming Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
18.2% of residents are 65 or older, in line with the national average of 17.3%; a low unemployment rate of 3.5% reflects a strong local economy. At today’s WY 12-month CD average of 3.000%, saving 10% of the local median salary ($4,695/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 Cheyenne, 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 |
Frequently Asked Questions about CD Rates in Cheyenne, Wyoming
Are CD rates in Cheyenne, Wyoming FDIC insured?
Do I have to pay state taxes on CD interest in Cheyenne, Wyoming?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Cheyenne, Wyoming?
- WyHy Federal Credit Union: 3.70% APY (Jumbo Term 6 Month Certificate)
- Nuvision Federal Credit Union: 3.55% APY (1-Year Certificate)
- Western Vista Federal Credit Union: 3.50% APY (Traditional & ROTH IRA 6 Mos.)
- First Education Federal Credit Union: 3.04% APY (12-Month Certificate)
- FirsTier Bank: 2.95% APY (Step-Up 12 Month CD)
- Cheyenne Laramie County Employees FCU: 2.25% APY (IRA 12 Month)
- Wells Fargo: 1.51% APY (1 year Standard Fixed Rate CD)
- Valley Financial Credit Union: 6.17% APY (12 Month Youth Certificate)
- Bank of Star Valley: 3.91% APY (1 Year Certificate)
- TRONA VALLEY COMMUNITY: 3.85% APY (3 Month Business Certificate)
CD Calculators for Cheyenne, Wyoming
At today’s WY top rate of 3.70% APY, a $10,000 deposit earns $370 in the first year. Enter your amount to see your exact return.
Cheyenne, Wyoming CD LadderWY CD rates currently range from 1.802% (3-month) to 2.932% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Cheyenne, Wyoming CD at 3.70% 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 3.000% 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
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Cheyenne, 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 pulling data straight 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 Cheyenne, 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.
