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CD Rate Trends

Thermopolis, Wyoming Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
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.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 14, 2026

Thermopolis, Wyoming CD rates range from 0.05% to 4.50% APY, verified by MonitorBankRates as of October 14, 2026. Current Thermopolis, Wyoming CD rates include Big Horn Federal Savings BankBig Horn Federal Savings Bank643 Broadway St, Thermopolis, WY 82443A+5.0 ★Texas Ratio: 2.85%Real return: +0.97%APY minus CPI (February 2026) offering 4 year CD at 3.77% APY, Advantage Plus Federal Credit UnionAdvantage Plus Federal Credit UnionA+5.0 ★Texas Ratio: 3.01%Real return: +1.70%APY minus CPI (February 2026) offering Share Certificates - 60 months at 4.50% APY, Buffalo Federal BankBuffalo Federal BankA+5.0 ★Texas Ratio: 5.57%Real return: +1.39%APY minus CPI (February 2026) offering 24 Month CD at 4.19% APY, Valley Financial Credit UnionValley Financial Credit UnionA+5.0 ★Texas Ratio: 1.69%Real return: +1.38%APY minus CPI (February 2026) offering 24 Month Certificate at 4.18% APY, and FirsTier BankFirsTier BankF2.0 ★Texas Ratio: 51.03%Real return: +1.34%APY minus CPI (February 2026) offering 3 Month CD at 4.14% APY. CD rates as of October 14, 2026 according to verified data from MonitorBankRates.

Thermopolis has 7 local institutions in our database, with CD rates as high as 3.77% APY from Big Horn Federal Savings Bank at 643 Broadway St, Thermopolis, WY 82443. 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, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 14, 2026

Compare Best CD Rates in Thermopolis, Wyoming & the Surrounding Area

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Thermopolis 3 Month CD Rates

Wyoming 3 Month CD Average2.24% APYNational 2.09%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
3 Month CD
$0
4.14% ▲ 1.90% above Wyoming avg
View
▼
Rate4.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.24%▲ 1.90% above avgNationally 2.09%
Details

Annual Percentage Yield is current as of September 21, 2026; a penalty may be imposed for early withdrawal; certificate automatically renews to a fixed rate CD of the equivalent term at the current rate

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

Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 25, 2026: 3.75% APYSep 25, 2026Oct 14, 2026
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
3 Month Certificate
$200
3.75% ▲ 1.51% above Wyoming avg
View
▼
Rate3.70%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.24%▲ 1.51% above avgNationally 2.09%
Details

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

Dividends Post Quarterly

Rate History
No change since Oct 14, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 14, 2026
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Business Certificates - 3 Month Certificate (91 Days)
$200
3.75% ▲ 1.51% above Wyoming avg
View
▼
Rate3.70%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.24%▲ 1.51% above avgNationally 2.09%
Details

$200 Minimum; Dividends post quarterly

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
CD's & IRA's Min. - 3 months
$0
3.29% ▲ 1.05% above Wyoming avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average2.24%▲ 1.05% above avgNationally 2.09%
Details

Rate History
1 change since Sep 19, 2026 · 3.03% → 3.29% ▲ 0.26 pts · high 3.29% / low 3.03%
2.53%3.16%3.79%Sep 19, 2026: 3.03% APYSep 27, 2026: 3.29% APYSep 19, 2026Oct 14, 2026
  • Sep 27, 20263.29%▲ from 3.03%
  • Sep 19, 20263.03%first recorded
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
3 Month CD's & IRA's Min.
$0
3.19% ▲ 0.95% above Wyoming avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average2.24%▲ 0.95% above avgNationally 2.09%
Details

$25,000.00-$99,999.99

Rate History
1 change since Sep 19, 2026 · 3.03% → 3.19% ▲ 0.16 pts · high 3.19% / low 3.03%
2.53%3.11%3.69%Sep 19, 2026: 3.03% APYOct 7, 2026: 3.19% APYSep 19, 2026Oct 14, 2026
  • Oct 7, 20263.19%▲ from 3.03%
  • Sep 19, 20263.03%first recorded
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
CD's & IRA's Min. - 3 months
$0
3.19% ▲ 0.95% above Wyoming avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average2.24%▲ 0.95% above avgNationally 2.09%
Details

$25,000.00-$99,999.99

Rate History
1 change since Sep 19, 2026 · 2.93% → 3.19% ▲ 0.26 pts · high 3.19% / low 2.93%
2.43%3.06%3.69%Sep 19, 2026: 2.93% APYSep 27, 2026: 3.19% APYSep 19, 2026Oct 14, 2026
  • Sep 27, 20263.19%▲ from 2.93%
  • Sep 19, 20262.93%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Month Certificate
$25,000
3.15% ▲ 0.91% above Wyoming avg
View
▼
Rate3.10%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.24%▲ 0.91% above avgNationally 2.09%
Details

$25,000 min. deposit

Rate History
2 changes since Sep 15, 2026 · 2.96% → 3.15% ▲ 0.19 pts · high 3.15% / low 2.96%
2.46%3.05%3.65%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.05% APYOct 14, 2026: 3.15% APYSep 15, 2026Oct 14, 2026
  • Oct 14, 20263.15%▲ from 3.05%
  • Sep 18, 20263.05%▲ from 2.96%
  • Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Month Certificate
$50,000
3.10% ▲ 0.86% above Wyoming avg
View
▼
Rate3.06%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.24%▲ 0.86% above avgNationally 2.09%
Details

$50,000 min. deposit

Rate History
2 changes since Sep 15, 2026 · 2.96% → 3.10% ▲ 0.14 pts · high 3.10% / low 2.96%
2.46%3.03%3.60%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.05% APYOct 14, 2026: 3.10% APYSep 15, 2026Oct 14, 2026
  • Oct 14, 20263.10%▲ from 3.05%
  • Sep 18, 20263.05%▲ from 2.96%
  • Sep 15, 20262.96%first recorded
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
3 Month Certificate
$1,000
3.09% ▲ 0.85% above Wyoming avg
View
▼
Rate3.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average2.24%▲ 0.85% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.09% APY · checked 2 times
2.59%3.09%3.59%Oct 7, 2026: 3.09% APYOct 7, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Month Certificate
$25,000
3.05% ▲ 0.81% above Wyoming avg
View
▼
Rate3.01%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.24%▲ 0.81% above avgNationally 2.09%
Details

$25,000 min. deposit; Rates for California; Effective Date: 02/04/2026

Rate History
1 change since Sep 15, 2026 · 2.96% → 3.05% ▲ 0.09 pts · high 3.05% / low 2.96%
2.46%3.01%3.55%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.05% APYSep 15, 2026Oct 14, 2026
  • Sep 18, 20263.05%▲ from 2.96%
  • Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Month Certificate
$0
3.01% ▲ 0.77% above Wyoming avg
View
▼
Rate3.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.24%▲ 0.77% above avgNationally 2.09%
Details

Dividend Rate; $25,000 min. deposit

Rate History
2 changes since Sep 15, 2026 · 2.96% → 3.01% ▲ 0.05 pts · high 3.01% / low 2.96%
2.46%2.98%3.51%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.00% APYOct 14, 2026: 3.01% APYSep 15, 2026Oct 14, 2026
  • Oct 14, 20263.01%▲ from 3.00%
  • Sep 18, 20263.00%▲ from 2.96%
  • Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Month Certificate
$1,000
3.00% ▲ 0.76% above Wyoming avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.24%▲ 0.76% above avgNationally 2.09%
Details

Share Certificate Rates; Effective Date: 02/04/2026; Rates for California

Rate History
1 change since Sep 15, 2026 · 2.96% → 3.00% ▲ 0.04 pts · high 3.00% / low 2.96%
2.46%2.98%3.50%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.00% APYSep 15, 2026Oct 14, 2026
  • Sep 18, 20263.00%▲ from 2.96%
  • Sep 15, 20262.96%first recorded
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Business Certificates of Deposit - 90 Day
$0
3.00% ▲ 0.76% above Wyoming avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.24%▲ 0.76% above avgNationally 2.09%
Details

Balance: $1,000 or more

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 14, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Certificates of Deposit - 90 Day
$0
3.00% ▲ 0.76% above Wyoming avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.24%▲ 0.76% above avgNationally 2.09%
Details

Balance: $1,000 or more

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
Share Certificate - 3-Month Certificate
$1,000
2.96% ▲ 0.72% above Wyoming avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.24%▲ 0.72% above avgNationally 2.09%
Details

Effective Date: 02/04/2026

Rate History
2 changes since Sep 15, 2026 · 2.96% → 2.96% ▼ 0.00 pts · high 3.00% / low 2.96%
2.46%2.98%3.50%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.00% APYOct 14, 2026: 2.96% APYSep 15, 2026Oct 14, 2026
  • Oct 14, 20262.96%▼ from 3.00%
  • Sep 18, 20263.00%▲ from 2.96%
  • Sep 15, 20262.96%first recorded
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
3 Month Certificate
$250
2.78% ▲ 0.54% above Wyoming avg
View
▼
Rate2.75%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.24%▲ 0.54% above avgNationally 2.09%
Details

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

Early Withdrawal Penalty: 90 Days Interest

Rate History
No change since Sep 18, 2026 · 2.78% APY · checked 6 times
2.28%2.78%3.28%Sep 18, 2026: 2.78% APYSep 18, 2026Oct 14, 2026
Citco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Share Certificates - 3 month
$0
2.53% ▲ 0.29% above Wyoming avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.24%▲ 0.29% above avgNationally 2.09%
Details

Interest rate shown in APR column

Rate History
No change since Oct 12, 2026 · 2.53% APY
2.03%2.53%3.03%Oct 12, 2026: 2.53% APYOct 12, 2026Oct 14, 2026
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
CD's & IRA's Min. - Less than 90 days
$0
2.07% ▼ 0.17% below Wyoming avg
View
▼
Rate2.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average2.24%▼ 0.17% below avgNationally 2.09%
Details

Rate History
1 change since Sep 19, 2026 · 1.81% → 2.07% ▲ 0.26 pts · high 2.07% / low 1.81%
1.31%1.94%2.57%Sep 19, 2026: 1.81% APYSep 27, 2026: 2.07% APYSep 19, 2026Oct 14, 2026
  • Sep 27, 20262.07%▲ from 1.81%
  • Sep 19, 20261.81%first recorded
FNB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
3 Month Certificate of Deposit
$2,500
2.02% ▼ 0.22% below Wyoming avg
View
▼
Rate2.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.24%▼ 0.22% below avgNationally 2.09%
Details

Rate History
No change since Sep 24, 2026 · 2.02% APY · checked 5 times
1.52%2.02%2.52%Sep 24, 2026: 2.02% APYSep 24, 2026Oct 14, 2026
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
CD's & IRA's Min. - Less than 90 days
$0
1.97% ▼ 0.27% below Wyoming avg
View
▼
Rate1.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average2.24%▼ 0.27% below avgNationally 2.09%
Details

$25,000.00-$99,999.99

Rate History
1 change since Sep 19, 2026 · 1.71% → 1.97% ▲ 0.26 pts · high 1.97% / low 1.71%
1.21%1.84%2.47%Sep 19, 2026: 1.71% APYSep 27, 2026: 1.97% APYSep 19, 2026Oct 14, 2026
  • Sep 27, 20261.97%▲ from 1.71%
  • Sep 19, 20261.71%first recorded
Security State Bank Basin, WY
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
3 Month CD
$1,000
1.86% ▼ 0.38% below Wyoming avg
View
▼
Rate1.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.24%▼ 0.38% below avgNationally 2.09%
Details

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

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

Rate History
No change since Oct 12, 2026 · 1.75% APY
1.25%1.75%2.25%Oct 12, 2026: 1.75% APYOct 12, 2026Oct 14, 2026
Western Vista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
3 Month Share Certificate
$500
1.25% ▼ 0.99% below Wyoming avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.24%▼ 0.99% below avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Oct 8, 2026: 1.25% APYOct 8, 2026Oct 14, 2026
Western Vista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
Traditional & ROTH IRA - 3 Mos.
$0
1.25% ▼ 0.99% below Wyoming avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.24%▼ 0.99% below avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Oct 8, 2026: 1.25% APYOct 8, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3 month Standard Fixed Rate CD - Relationship
$2,500
0.06% ▼ 2.18% below Wyoming avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.24%▼ 2.18% below avgNationally 2.09%
Details

Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only

Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 27, 2026: 0.06% APYSep 27, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3 month Standard Fixed Rate CD
$2,500
0.05% ▼ 2.19% below Wyoming avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.24%▼ 2.19% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3 Month IRA Certificate of Deposit
$0
0.05% ▼ 2.19% below Wyoming avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.24%▼ 2.19% below avgNationally 2.09%
Details

Minimum Balance To Obtain APY: $1,000; rates based on zip code

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3 Month Standard CD
$1,000
0.05% ▼ 2.19% below Wyoming avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.24%▼ 2.19% below avgNationally 2.09%
Details

Balance: up to $100,000.00; Rates for ZIP code 60603

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 14, 2026

Thermopolis 6 Month CD Rates

Wyoming 6 Month CD Average3.19% APYNational 2.77%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Big Horn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
643 Broadway St, Thermopolis, WY 82443
6 month CD
$1,000
3.12% ▼ 0.07% below Wyoming avg
View
▼
Rate3.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average3.19%▼ 0.07% below avgNationally 2.77%
Details

Entire Balance

Rate History
No change since Sep 11, 2026 · 3.12% APY · checked 8 times
2.62%3.12%3.62%Sep 11, 2026: 3.12% APYSep 11, 2026Oct 14, 2026
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
6 Month CD
$0
4.14% ▲ 0.95% above Wyoming avg
View
▼
Rate4.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.19%▲ 0.95% above avgNationally 2.77%
Details

Annual Percentage Yield is current as of September 21, 2026; a penalty may be imposed for early withdrawal; certificate automatically renews to a fixed rate CD of the equivalent term at the current rate

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.14% ▲ 0.24 pts · high 4.14% / low 3.90%
3.40%4.02%4.64%Sep 14, 2026: 3.90% APYSep 24, 2026: 4.14% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20264.14%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
StagePoint Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
6 Month Share Certificate
$0
4.07% ▲ 0.88% above Wyoming avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.19%▲ 0.88% above avgNationally 2.77%
Details

Rate History
No change since Sep 25, 2026 · 4.07% APY · checked 4 times
3.57%4.07%4.57%Sep 25, 2026: 4.07% APYSep 25, 2026Oct 14, 2026
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
6 Month Certificate
$1,000
4.07% ▲ 0.88% above Wyoming avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.19%▲ 0.88% above avgNationally 2.77%
Details

Business Share Certificates; Certificate Special; Limited time special; Penalty for early withdrawal; Rates effective as of October 1, 2026

Rate History
1 change since Sep 14, 2026 · 3.97% → 4.07% ▲ 0.10 pts · high 4.07% / low 3.97%
3.47%4.02%4.57%Sep 14, 2026: 3.97% APYOct 14, 2026: 4.07% APYSep 14, 2026Oct 14, 2026
  • Oct 14, 20264.07%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
CAMPCO
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
Share Certificate - 6 Month
$0
4.05% ▲ 0.86% above Wyoming avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.19%▲ 0.86% above avgNationally 2.77%
Details

Share Certificate and IRA Rates

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
3.25%3.90%4.55%Sep 14, 2026: 3.75% APYOct 6, 2026: 4.05% APYSep 14, 2026Oct 14, 2026
  • Oct 6, 20264.05%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Sheridan Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
6 Month Certificate
$0
4.00% ▲ 0.81% above Wyoming avg
View
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.19%▲ 0.81% above avgNationally 2.77%
Details

Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 25, 2026: 4.00% APYSep 25, 2026Oct 14, 2026
Grand Altitude Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
Share & IRA Certificates - 6 Month
$0
3.89% ▲ 0.70% above Wyoming avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wyoming Average3.19%▲ 0.70% above avgNationally 2.77%
Details

Balance: $500; Early withdrawal penalties apply

Rate History
No change since Oct 9, 2026 · 3.89% APY · checked 2 times
3.39%3.89%4.39%Oct 9, 2026: 3.89% APYOct 9, 2026Oct 14, 2026
WyHy Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.60%
6 Month Jumbo Term Certificates & Jumbo IRA Term Certificates
$50,000
3.70% ▲ 0.51% above Wyoming avg
View
▼
Rate3.65%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.19%▲ 0.51% above avgNationally 2.77%
Details

Fixed rate for term, Quarterly Paid Interest

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 14, 2026
WyHy Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.60%
6 Month Term Certificates & IRA Term Certificates
$500
3.65% ▲ 0.46% above Wyoming avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.19%▲ 0.46% above avgNationally 2.77%
Details

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

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 14, 2026
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
6 Month Certificate
$200
3.65% ▲ 0.46% above Wyoming avg
View
▼
Rate3.60%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.19%▲ 0.46% above avgNationally 2.77%
Details

Rate History
No change since Oct 6, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Oct 6, 2026: 3.65% APYOct 6, 2026Oct 14, 2026
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Business 6 Month Certificate
$200
3.65% ▲ 0.46% above Wyoming avg
View
▼
Rate3.60%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.19%▲ 0.46% above avgNationally 2.77%
Details

Dividends Post Quarterly

Rate History
No change since Oct 14, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 14, 2026: 3.65% APYOct 14, 2026Oct 14, 2026
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Business Certificates - 6 Month Certificate (182 Days)
$200
3.65% ▲ 0.46% above Wyoming avg
View
▼
Rate3.60%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.19%▲ 0.46% above avgNationally 2.77%
Details

$200 Minimum; Dividends post quarterly

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 8 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
Citco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Share Certificates - 6 month
$0
3.60% ▲ 0.41% above Wyoming avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.19%▲ 0.41% above avgNationally 2.77%
Details

Interest rate shown in APR column

Rate History
No change since Oct 12, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 12, 2026: 3.60% APYOct 12, 2026Oct 14, 2026
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
CD's & IRA's Min. - 6 months
$0
3.58% ▲ 0.39% above Wyoming avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average3.19%▲ 0.39% above avgNationally 2.77%
Details

Rate History
1 change since Sep 19, 2026 · 3.33% → 3.58% ▲ 0.25 pts · high 3.58% / low 3.33%
2.83%3.46%4.08%Sep 19, 2026: 3.33% APYSep 27, 2026: 3.58% APYSep 19, 2026Oct 14, 2026
  • Sep 27, 20263.58%▲ from 3.33%
  • Sep 19, 20263.33%first recorded
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
6 Month Certificate
$250
3.55% ▲ 0.36% above Wyoming avg
View
▼
Rate3.50%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.19%▲ 0.36% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
6 Month Certificates and IRA Share Certificates
$500
3.55% ▲ 0.36% above Wyoming avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.19%▲ 0.36% above avgNationally 2.77%
Details

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

Rate History
No change since Oct 12, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 12, 2026: 3.55% APYOct 12, 2026Oct 14, 2026
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Business Certificate - 6 months
$500
3.55% ▲ 0.36% above Wyoming avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.19%▲ 0.36% above avgNationally 2.77%
Details

Rate History
No change since Oct 12, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 12, 2026: 3.55% APYOct 12, 2026Oct 14, 2026
Western Vista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
6 Month Share Certificate
$500
3.50% ▲ 0.31% above Wyoming avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.19%▲ 0.31% above avgNationally 2.77%
Details

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 14, 2026
Western Vista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
Traditional & ROTH IRA - 6 Mos.
$0
3.50% ▲ 0.31% above Wyoming avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.19%▲ 0.31% above avgNationally 2.77%
Details

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 14, 2026
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
6 Month CD's & IRA's Min.
$0
3.48% ▲ 0.29% above Wyoming avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average3.19%▲ 0.29% above avgNationally 2.77%
Details

$25,000.00-$99,999.99

Rate History
1 change since Sep 19, 2026 · 3.33% → 3.48% ▲ 0.15 pts · high 3.48% / low 3.33%
2.83%3.41%3.98%Sep 19, 2026: 3.33% APYOct 7, 2026: 3.48% APYSep 19, 2026Oct 14, 2026
  • Oct 7, 20263.48%▲ from 3.33%
  • Sep 19, 20263.33%first recorded
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
CD's & IRA's Min. - 6 months
$0
3.48% ▲ 0.29% above Wyoming avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average3.19%▲ 0.29% above avgNationally 2.77%
Details

$25,000.00-$99,999.99

Rate History
1 change since Sep 19, 2026 · 3.23% → 3.48% ▲ 0.25 pts · high 3.48% / low 3.23%
2.73%3.36%3.98%Sep 19, 2026: 3.23% APYSep 27, 2026: 3.48% APYSep 19, 2026Oct 14, 2026
  • Sep 27, 20263.48%▲ from 3.23%
  • Sep 19, 20263.23%first recorded
Uniwyo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Share Certificate - 6 Month
$100
3.45% ▲ 0.26% above Wyoming avg
View
▼
Rate3.41%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.19%▲ 0.26% above avgNationally 2.77%
Details

Rate History
No change since Oct 12, 2026 · 3.45% APY
2.95%3.45%3.95%Oct 12, 2026: 3.45% APYOct 12, 2026Oct 14, 2026
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
6 Month Certificates of Deposit
$500
3.40% ▲ 0.21% above Wyoming avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.19%▲ 0.21% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 8 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 14, 2026
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
6 Month Certificate
$1,000
3.38% ▲ 0.19% above Wyoming avg
View
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average3.19%▲ 0.19% above avgNationally 2.77%
Details

Rate History
No change since Oct 7, 2026 · 3.38% APY · checked 2 times
2.88%3.38%3.88%Oct 7, 2026: 3.38% APYOct 7, 2026Oct 14, 2026
Acpe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
Share Certificate - 6 Months
$250
3.35% ▲ 0.16% above Wyoming avg
View
▼
Rate3.30%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wyoming Average3.19%▲ 0.16% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 8 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 14, 2026
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Share Certificates - 6 months
$0
3.25% ▲ 0.06% above Wyoming avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.19%▲ 0.06% above avgNationally 2.77%
Details

Rate History
No change since Oct 12, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 12, 2026: 3.25% APYOct 12, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6-Month Certificate
$25,000
3.15% ▼ 0.04% below Wyoming avg
View
▼
Rate3.10%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.19%▼ 0.04% below avgNationally 2.77%
Details

$25,000 min. deposit

Rate History
1 change since Sep 15, 2026 · 2.96% → 3.15% ▲ 0.19 pts · high 3.15% / low 2.96%
2.46%3.05%3.65%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.15% APYSep 15, 2026Oct 14, 2026
  • Sep 18, 20263.15%▲ from 2.96%
  • Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6-Month IRA
$100,000
3.15% ▼ 0.04% below Wyoming avg
View
▼
Rate3.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.19%▼ 0.04% below avgNationally 2.77%
Details

Jumbo $100,000 min. deposit

Rate History
1 change since Sep 24, 2026 · 3.05% → 3.15% ▲ 0.10 pts · high 3.15% / low 3.05%
2.55%3.10%3.65%Sep 24, 2026: 3.05% APYOct 7, 2026: 3.15% APYSep 24, 2026Oct 14, 2026
  • Oct 7, 20263.15%▲ from 3.05%
  • Sep 24, 20263.05%first recorded
FNB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
IRA Fixed - 6 Month
$25
3.14% ▼ 0.05% below Wyoming avg
View
▼
Rate3.10%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.19%▼ 0.05% below avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 6 times
2.64%3.14%3.64%Sep 14, 2026: 3.14% APYSep 14, 2026Oct 14, 2026
Security State Bank Basin, WY
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
6 Month CD
$1,000
3.14% ▼ 0.05% below Wyoming avg
View
▼
Rate3.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.19%▼ 0.05% below avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 7 times
2.64%3.14%3.64%Sep 14, 2026: 3.14% APYSep 14, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6-Month Certificate
$50,000
3.10% ▼ 0.09% below Wyoming avg
View
▼
Rate3.06%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.19%▼ 0.09% below avgNationally 2.77%
Details

$50,000 min. deposit

Rate History
1 change since Sep 15, 2026 · 2.96% → 3.10% ▲ 0.14 pts · high 3.10% / low 2.96%
2.46%3.03%3.60%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.10% APYSep 15, 2026Oct 14, 2026
  • Sep 18, 20263.10%▲ from 2.96%
  • Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6-Month IRA
$50,000
3.10% ▼ 0.09% below Wyoming avg
View
▼
Rate3.05%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.19%▼ 0.09% below avgNationally 2.77%
Details

IRA; $50,000 min. deposit

Rate History
1 change since Sep 24, 2026 · 3.05% → 3.10% ▲ 0.05 pts · high 3.10% / low 3.05%
2.55%3.08%3.60%Sep 24, 2026: 3.05% APYOct 7, 2026: 3.10% APYSep 24, 2026Oct 14, 2026
  • Oct 7, 20263.10%▲ from 3.05%
  • Sep 24, 20263.05%first recorded
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Business Certificates of Deposit - 180 Day
$0
3.10% ▼ 0.09% below Wyoming avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.19%▼ 0.09% below avgNationally 2.77%
Details

Balance: $1,000 or more

Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 7 times
2.60%3.10%3.60%Sep 18, 2026: 3.10% APYSep 18, 2026Oct 14, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Certificates of Deposit - 180 Day
$0
3.10% ▼ 0.09% below Wyoming avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.19%▼ 0.09% below avgNationally 2.77%
Details

Balance: $1,000 or more

Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 7 times
2.60%3.10%3.60%Sep 18, 2026: 3.10% APYSep 18, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6-Month Certificate
$25,000
3.05% ▼ 0.14% below Wyoming avg
View
▼
Rate3.01%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.19%▼ 0.14% below avgNationally 2.77%
Details

$25,000 min. deposit; Effective Date: 02/04/2026

Rate History
1 change since Sep 15, 2026 · 2.96% → 3.05% ▲ 0.09 pts · high 3.05% / low 2.96%
2.46%3.01%3.55%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.05% APYSep 15, 2026Oct 14, 2026
  • Sep 18, 20263.05%▲ from 2.96%
  • Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6-Month IRA
$25,000
3.05% ▼ 0.14% below Wyoming avg
View
▼
Rate3.00%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.19%▼ 0.14% below avgNationally 2.77%
Details

Fixed Rate Accounts; $25,000 min. deposit; Rates for California

Rate History
No change since Sep 24, 2026 · 3.05% APY · checked 7 times
2.55%3.05%3.55%Sep 24, 2026: 3.05% APYSep 24, 2026Oct 14, 2026
FNB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
6 Month Certificate of Deposit
$2,500
3.03% ▼ 0.16% below Wyoming avg
View
▼
Rate3.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.19%▼ 0.16% below avgNationally 2.77%
Details

Rate History
No change since Sep 24, 2026 · 3.03% APY · checked 5 times
2.53%3.03%3.53%Sep 24, 2026: 3.03% APYSep 24, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6-Month Certificate
$1,000
3.00% ▼ 0.19% below Wyoming avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.19%▼ 0.19% below avgNationally 2.77%
Details

Dividend Rate 2.960%; Rates for California; Effective Date: 02/04/2026

Rate History
1 change since Sep 15, 2026 · 2.96% → 3.00% ▲ 0.04 pts · high 3.00% / low 2.96%
2.46%2.98%3.50%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.00% APYSep 15, 2026Oct 14, 2026
  • Sep 18, 20263.00%▲ from 2.96%
  • Sep 15, 20262.96%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6-Month IRA
$1,000
3.00% ▼ 0.19% below Wyoming avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.19%▼ 0.19% below avgNationally 2.77%
Details

Rates for California

Rate History
1 change since Sep 24, 2026 · 3.05% → 3.00% ▼ 0.05 pts · high 3.05% / low 3.00%
2.50%3.03%3.55%Sep 24, 2026: 3.05% APYOct 7, 2026: 3.00% APYSep 24, 2026Oct 14, 2026
  • Oct 7, 20263.00%▼ from 3.05%
  • Sep 24, 20263.05%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6-Month Certificate
$1,000
2.96% ▼ 0.23% below Wyoming avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.19%▼ 0.23% below avgNationally 2.77%
Details

Share Certificate; $1,000 min. deposit; Effective Date 02/04/2026; Rates for California; APY not printed in source

Rate History
2 changes since Sep 15, 2026 · 2.96% → 2.96% ▼ 0.00 pts · high 3.00% / low 2.96%
2.46%2.98%3.50%Sep 15, 2026: 2.96% APYSep 18, 2026: 3.00% APYOct 14, 2026: 2.96% APYSep 15, 2026Oct 14, 2026
  • Oct 14, 20262.96%▼ from 3.00%
  • Sep 18, 20263.00%▲ from 2.96%
  • Sep 15, 20262.96%first recorded
First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
6-Month Certificate
$0
2.78% ▼ 0.41% below Wyoming avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.19%▼ 0.41% below avgNationally 2.77%
Details

Payment Frequency: maturity

Rate History
No change since Sep 14, 2026 · 2.78% APY · checked 5 times
2.28%2.78%3.28%Sep 14, 2026: 2.78% APYSep 14, 2026Oct 14, 2026
Sunlight Federal Credit Union
Institution Rating:
D3.2 ★Texas Ratio: 37.01%
6 Month Share Certificate
$500
2.78% ▼ 0.41% below Wyoming avg
View
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.19%▼ 0.41% below avgNationally 2.77%
Details

Early Withdrawal Penalty: 90 Days Interest

Rate History
No change since Sep 18, 2026 · 2.78% APY · checked 6 times
2.28%2.78%3.28%Sep 18, 2026: 2.78% APYSep 18, 2026Oct 14, 2026
Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
Share Certificates - 6 Month
$500
2.00% ▼ 1.19% below Wyoming avg
View
▼
Rate1.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.19%▼ 1.19% below avgNationally 2.77%
Details

Rate History
No change since Sep 12, 2026 · 2.00% APY · checked 5 times
1.50%2.00%2.50%Sep 12, 2026: 2.00% APYSep 12, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
6 month Standard Fixed Rate CD - Relationship
$2,500
0.06% ▼ 3.13% below Wyoming avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.19%▼ 3.13% below avgNationally 2.77%
Details

Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only

Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 27, 2026: 0.06% APYSep 27, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
6 month Standard Fixed Rate CD
$2,500
0.05% ▼ 3.14% below Wyoming avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.19%▼ 3.14% below avgNationally 2.77%
Details

Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only

Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 27, 2026: 0.05% APYSep 27, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
6 Month IRA Certificate of Deposit
$0
0.05% ▼ 3.14% below Wyoming avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.19%▼ 3.14% below avgNationally 2.77%
Details

Minimum Balance To Obtain APY: $1,000; rates based on zip code

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
6 Month Standard CD
$1,000
0.05% ▼ 3.14% below Wyoming avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.19%▼ 3.14% below avgNationally 2.77%
Details

Balance: up to $100,000.00; Rates for ZIP code 60603

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 14, 2026

Thermopolis 12 Month CD Rates

Wyoming 12 Month CD Average3.30% APYNational 2.99%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Big Horn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
643 Broadway St, Thermopolis, WY 82443
1 year CD
$500
3.30% At Wyoming avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average3.30%At the averageNationally 2.99%
Details

Entire Balance

Rate History
No change since Sep 11, 2026 · 3.30% APY · checked 8 times
2.80%3.30%3.80%Sep 11, 2026: 3.30% APYSep 11, 2026Oct 14, 2026
Buffalo Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
12 Month CD
$500
4.18% ▲ 0.88% above Wyoming avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average3.30%▲ 0.88% above avgNationally 2.99%
Details

Rate History
1 change since Sep 29, 2026 · 3.20% → 4.18% ▲ 0.98 pts · high 4.18% / low 3.20%
2.22%3.69%5.16%Sep 29, 2026: 3.20% APYOct 11, 2026: 4.18% APYSep 29, 2026Oct 14, 2026
  • Oct 11, 20264.18%▲ from 3.20%
  • Sep 29, 20263.20%first recorded
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
12 Month Certificate
$500
4.07% ▲ 0.77% above Wyoming avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.30%▲ 0.77% above avgNationally 2.99%
Details

Business Share Certificates; Certificate Special; Limited time special; Penalty for early withdrawal; Rates effective as of October 1, 2026

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

Annual Percentage Yield is current as of September 21, 2026; a penalty may be imposed for early withdrawal; certificate automatically renews to a fixed rate CD of the equivalent term at the current rate

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 14, 2026
Grand Altitude Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
Share & IRA Certificates - 12 Month
$0
3.95% ▲ 0.65% above Wyoming avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wyoming Average3.30%▲ 0.65% above avgNationally 2.99%
Details

Balance: $500; Early withdrawal penalties apply

Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 9, 2026: 3.95% APYOct 9, 2026Oct 14, 2026
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
1 Year Certificate
$250
3.91% ▲ 0.61% above Wyoming avg
View
▼
Rate3.85%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.30%▲ 0.61% above avgNationally 2.99%
Details

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

Published rate range: As high as 3.75%.

Rate History
No change since Sep 25, 2026 · 3.82% APY · checked 4 times
3.32%3.82%4.32%Sep 25, 2026: 3.82% APYSep 25, 2026Oct 14, 2026
StagePoint Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
12 Month YOUTH Share Certificate
$0
3.82% ▲ 0.52% above Wyoming avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.30%▲ 0.52% above avgNationally 2.99%
Details

Balance: $50.00-$3,000.00

Rate History
No change since Oct 4, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Oct 4, 2026: 3.82% APYOct 4, 2026Oct 14, 2026
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
1 Year Certificate
$250
3.80% ▲ 0.50% above Wyoming avg
View
▼
Rate3.75%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.30%▲ 0.50% above avgNationally 2.99%
Details

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

Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 25, 2026: 3.75% APYSep 25, 2026Oct 14, 2026
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Share Certificates - 12 months
$0
3.75% ▲ 0.45% above Wyoming avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.30%▲ 0.45% above avgNationally 2.99%
Details

Rate History
No change since Oct 12, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 14, 2026
WyHy Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.60%
12 Month Jumbo Term Certificates & Jumbo IRA Term Certificates
$50,000
3.75% ▲ 0.45% above Wyoming avg
View
▼
Rate3.70%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.30%▲ 0.45% above avgNationally 2.99%
Details

Fixed rate for term, Quarterly Paid Interest

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 14, 2026
CAMPCO
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
Share Certificate - 12 Month
$0
3.75% ▲ 0.45% above Wyoming avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.30%▲ 0.45% above avgNationally 2.99%
Details

Share Certificate and IRA Rates

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

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

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 14, 2026
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
CD's & IRA's Min. - 1 Year
$0
3.65% ▲ 0.35% above Wyoming avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average3.30%▲ 0.35% above avgNationally 2.99%
Details

Rate History
1 change since Sep 19, 2026 · 3.40% → 3.65% ▲ 0.25 pts · high 3.65% / low 3.40%
2.90%3.53%4.15%Sep 19, 2026: 3.40% APYSep 27, 2026: 3.65% APYSep 19, 2026Oct 14, 2026
  • Sep 27, 20263.65%▲ from 3.40%
  • Sep 19, 20263.40%first recorded
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
12 Month Certificate
$0
3.65% ▲ 0.35% above Wyoming avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.30%▲ 0.35% above avgNationally 2.99%
Details

365 Days; Dividends Post Quarterly

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 8 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
IRA Certificates - 12 Month Certificate
$0
3.65% ▲ 0.35% above Wyoming avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.30%▲ 0.35% above avgNationally 2.99%
Details

Dividends Post Quarterly

Rate History
No change since Oct 14, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 14, 2026: 3.65% APYOct 14, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
1-Year Certificate
$100,000
3.55% ▲ 0.25% above Wyoming avg
View
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.30%▲ 0.25% above avgNationally 2.99%
Details

Jumbo certificate; $100,000 min. deposit

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 8 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
1-Year IRA
$100,000
3.55% ▲ 0.25% above Wyoming avg
View
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.30%▲ 0.25% above avgNationally 2.99%
Details

$100,000 min. deposit (Jumbo); Rates for California; Effective Date: 02/04/2026

Rate History
2 changes since Sep 18, 2026 · 3.45% → 3.55% ▲ 0.10 pts · high 3.55% / low 3.45%
2.95%3.50%4.05%Sep 18, 2026: 3.45% APYSep 24, 2026: 3.50% APYOct 7, 2026: 3.55% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20263.55%▲ from 3.50%
  • Sep 24, 20263.50%▲ from 3.45%
  • Sep 18, 20263.45%first recorded
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
CD's & IRA's Min. - 1 Year
$0
3.55% ▲ 0.25% above Wyoming avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average3.30%▲ 0.25% above avgNationally 2.99%
Details

$25,000.00-$99,999.99

Rate History
1 change since Sep 19, 2026 · 3.30% → 3.55% ▲ 0.25 pts · high 3.55% / low 3.30%
2.80%3.43%4.05%Sep 19, 2026: 3.30% APYSep 27, 2026: 3.55% APYSep 19, 2026Oct 14, 2026
  • Sep 27, 20263.55%▲ from 3.30%
  • Sep 19, 20263.30%first recorded
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
12 Month Certificates of Deposit
$500
3.55% ▲ 0.25% above Wyoming avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.30%▲ 0.25% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 14, 2026 · 3.65% → 3.55% ▼ 0.10 pts · high 3.65% / low 3.55%
3.05%3.60%4.15%Sep 14, 2026: 3.65% APYOct 1, 2026: 3.56% APYOct 6, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
  • Oct 6, 20263.55%▼ from 3.56%
  • Oct 1, 20263.56%▼ from 3.65%
  • Sep 14, 20263.65%first recorded
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
12 Month Certificate
$200
3.55% ▲ 0.25% above Wyoming avg
View
▼
Rate3.50%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.30%▲ 0.25% above avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Oct 6, 2026: 3.55% APYOct 6, 2026Oct 14, 2026
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Business 12 Month Certificate
$200
3.55% ▲ 0.25% above Wyoming avg
View
▼
Rate3.50%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.30%▲ 0.25% above avgNationally 2.99%
Details

Dividends Post Quarterly

Rate History
No change since Oct 14, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 14, 2026: 3.55% APYOct 14, 2026Oct 14, 2026
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Business Certificates - 12 Month Certificate (365 Days)
$200
3.55% ▲ 0.25% above Wyoming avg
View
▼
Rate3.50%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.30%▲ 0.25% above avgNationally 2.99%
Details

$200 Minimum; Dividends post quarterly

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
Hilltop National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
12 Month Special Certificate of Deposit
$1,000
3.51% ▲ 0.21% above Wyoming avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.30%▲ 0.21% above avgNationally 2.99%
Details

Balance: $100,000 +

Rate History
No change since Oct 14, 2026 · 3.51% APY
3.01%3.51%4.01%Oct 14, 2026: 3.51% APYOct 14, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
1-Year Certificate
$50,000
3.50% ▲ 0.20% above Wyoming avg
View
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.30%▲ 0.20% above avgNationally 2.99%
Details

$50,000 min. deposit

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
1-Year IRA
$50,000
3.50% ▲ 0.20% above Wyoming avg
View
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.30%▲ 0.20% above avgNationally 2.99%
Details

$50,000 min. deposit; Effective Date: 02/04/2026; Rates for California

Rate History
1 change since Sep 18, 2026 · 3.45% → 3.50% ▲ 0.05 pts · high 3.50% / low 3.45%
2.95%3.48%4.00%Sep 18, 2026: 3.45% APYSep 24, 2026: 3.50% APYSep 18, 2026Oct 14, 2026
  • Sep 24, 20263.50%▲ from 3.45%
  • Sep 18, 20263.45%first recorded
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Business Certificates of Deposit - 12 Month
$0
3.50% ▲ 0.20% above Wyoming avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.30%▲ 0.20% above avgNationally 2.99%
Details

Balance: $1,000 or more

Rate History
1 change since Sep 18, 2026 · 3.30% → 3.50% ▲ 0.20 pts · high 3.50% / low 3.30%
2.80%3.40%4.00%Sep 18, 2026: 3.30% APYOct 14, 2026: 3.50% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20263.50%▲ from 3.30%
  • Sep 18, 20263.30%first recorded
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Certificates of Deposit - 12 Month
$0
3.50% ▲ 0.20% above Wyoming avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.30%▲ 0.20% above avgNationally 2.99%
Details

Balance: $1,000 or more

Rate History
1 change since Sep 18, 2026 · 3.30% → 3.50% ▲ 0.20 pts · high 3.50% / low 3.30%
2.80%3.40%4.00%Sep 18, 2026: 3.30% APYOct 14, 2026: 3.50% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20263.50%▲ from 3.30%
  • Sep 18, 20263.30%first recorded
Uniwyo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
IRA and HSA Share Certificate - 1 Year IRA / 1 Year HSA
$100
3.50% ▲ 0.20% above Wyoming avg
View
▼
Rate3.46%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.30%▲ 0.20% above avgNationally 2.99%
Details

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

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 14, 2026
Uniwyo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Share Certificate - 1 Year
$100
3.50% ▲ 0.20% above Wyoming avg
View
▼
Rate3.46%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.30%▲ 0.20% above avgNationally 2.99%
Details

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 14, 2026
FNB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
12 Month Certificate (1 Year)
$100
3.49% ▲ 0.19% above Wyoming avg
View
▼
Rate3.45%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.30%▲ 0.19% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 3.49% APY · checked 2 times
2.99%3.49%3.99%Oct 8, 2026: 3.49% APYOct 8, 2026Oct 14, 2026
FNB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
12 Month Certificate of Deposit
$100
3.49% ▲ 0.19% above Wyoming avg
View
▼
Rate3.45%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.30%▲ 0.19% above avgNationally 2.99%
Details

Rate History
1 change since Sep 24, 2026 · 3.19% → 3.49% ▲ 0.30 pts · high 3.49% / low 3.19%
2.69%3.34%3.99%Sep 24, 2026: 3.19% APYOct 3, 2026: 3.49% APYSep 24, 2026Oct 14, 2026
  • Oct 3, 20263.49%▲ from 3.19%
  • Sep 24, 20263.19%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
1-Year Certificate
$25,000
3.45% ▲ 0.15% above Wyoming avg
View
▼
Rate3.40%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.30%▲ 0.15% above avgNationally 2.99%
Details

$25,000 min. deposit; Rates for California

Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 8 times
2.95%3.45%3.95%Sep 18, 2026: 3.45% APYSep 18, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
1-Year IRA
$25,000
3.45% ▲ 0.15% above Wyoming avg
View
▼
Rate3.39%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.30%▲ 0.15% above avgNationally 2.99%
Details

Fixed Rate Accounts; $25,000 min. deposit; Effective Date: 02/04/2026; Rates for California

Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 8 times
2.95%3.45%3.95%Sep 18, 2026: 3.45% APYSep 18, 2026Oct 14, 2026
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
1 Year Certificate
$1,000
3.45% ▲ 0.15% above Wyoming avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average3.30%▲ 0.15% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Oct 7, 2026: 3.45% APYOct 7, 2026Oct 14, 2026
Citco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Share Certificates - 12 month
$0
3.40% ▲ 0.10% above Wyoming avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.30%▲ 0.10% above avgNationally 2.99%
Details

Interest rate shown in APR column

Rate History
No change since Oct 12, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 12, 2026: 3.40% APYOct 12, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
1-Year Certificate
$1,000
3.40% ▲ 0.10% above Wyoming avg
View
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.30%▲ 0.10% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 8 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
1-Year IRA
$1,000
3.40% ▲ 0.10% above Wyoming avg
View
▼
Rate3.34%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.30%▲ 0.10% above avgNationally 2.99%
Details

IRA; Fixed Rate Accounts; Effective Date: 02/04/2026

Rate History
1 change since Sep 18, 2026 · 3.45% → 3.40% ▼ 0.05 pts · high 3.45% / low 3.40%
2.90%3.43%3.95%Sep 18, 2026: 3.45% APYOct 7, 2026: 3.40% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20263.40%▼ from 3.45%
  • Sep 18, 20263.45%first recorded
Acpe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
Share Certificate - 12 Months
$250
3.30% At Wyoming avg
View
▼
Rate3.25%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wyoming Average3.30%At the averageNationally 2.99%
Details

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

Balance: $50,000-$99,999

Rate History
No change since Oct 14, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 14, 2026: 3.25% APYOct 14, 2026Oct 14, 2026
Western Vista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
12 Month Share Certificate
$500
3.25% ▼ 0.05% below Wyoming avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.30%▼ 0.05% below avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 8, 2026: 3.25% APYOct 8, 2026Oct 14, 2026
Western Vista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
Traditional & ROTH IRA - 12 Mos.
$0
3.25% ▼ 0.05% below Wyoming avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.30%▼ 0.05% below avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 8, 2026: 3.25% APYOct 8, 2026Oct 14, 2026
Security State Bank Basin, WY
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
12 Month CD
$1,000
3.09% ▼ 0.21% below Wyoming avg
View
▼
Rate3.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.30%▼ 0.21% below avgNationally 2.99%
Details

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

Payment Frequency: quarterly

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

Individual Retirement Account Rates

Rate History
No change since Oct 12, 2026 · 3.04% APY
2.54%3.04%3.54%Oct 12, 2026: 3.04% APYOct 12, 2026Oct 14, 2026
Sunlight Federal Credit Union
Institution Rating:
D3.2 ★Texas Ratio: 37.01%
1 Year Share Certificate
$500
3.04% ▼ 0.26% below Wyoming avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.30%▼ 0.26% below avgNationally 2.99%
Details

Early Withdrawal Penalty: 180 Days Interest

Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 6 times
2.54%3.04%3.54%Sep 18, 2026: 3.04% APYSep 18, 2026Oct 14, 2026
Hilltop National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
12 Month Special Certificate of Deposit
$1,000
2.99% ▼ 0.31% below Wyoming avg
View
▼
Rate2.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.30%▼ 0.31% below avgNationally 2.99%
Details

Balance: $1,000- $49,999

Rate History
No change since Oct 14, 2026 · 2.99% APY
2.49%2.99%3.49%Oct 14, 2026: 2.99% APYOct 14, 2026Oct 14, 2026
Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
Share Certificates - 12 Month
$500
2.25% ▼ 1.05% below Wyoming avg
View
▼
Rate2.24%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.30%▼ 1.05% below avgNationally 2.99%
Details

Rate History
No change since Sep 12, 2026 · 2.25% APY · checked 5 times
1.75%2.25%2.75%Sep 12, 2026: 2.25% APYSep 12, 2026Oct 14, 2026
Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
Share Certificates - IRA 12 Month
$500
2.25% ▼ 1.05% below Wyoming avg
View
▼
Rate2.24%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.30%▼ 1.05% below avgNationally 2.99%
Details

IRA

Rate History
No change since Sep 12, 2026 · 2.25% APY · checked 2 times
1.75%2.25%2.75%Sep 12, 2026: 2.25% APYSep 12, 2026Oct 14, 2026

Thermopolis 18 Month CD Rates

Wyoming 18 Month CD Average2.99% APYNational 2.88%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Big Horn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
643 Broadway St, Thermopolis, WY 82443
18 month CD
$500
3.41% ▲ 0.42% above Wyoming avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average2.99%▲ 0.42% above avgNationally 2.88%
Details

Entire Balance

Rate History
No change since Sep 11, 2026 · 3.41% APY · checked 8 times
2.91%3.41%3.91%Sep 11, 2026: 3.41% APYSep 11, 2026Oct 14, 2026
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Share Certificates - 18 months
$0
3.75% ▲ 0.76% above Wyoming avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.99%▲ 0.76% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 14, 2026
FNB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
IRA Fixed - 18 Month
$25
3.65% ▲ 0.66% above Wyoming avg
View
▼
Rate3.60%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.99%▲ 0.66% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.14% → 3.65% ▲ 0.51 pts · high 3.65% / low 3.14%
2.63%3.40%4.16%Sep 14, 2026: 3.14% APYOct 3, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20263.65%▲ from 3.14%
  • Sep 14, 20263.14%first recorded
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
18 Month CD
$0
3.60% ▲ 0.61% above Wyoming avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.99%▲ 0.61% above avgNationally 2.88%
Details

Annual Percentage Yield is current as of September 21, 2026; a penalty may be imposed for early withdrawal; certificate automatically renews to a fixed rate CD of the equivalent term at the current rate

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 9 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
Uniwyo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Share Certificate - 18 Month
$100
3.60% ▲ 0.61% above Wyoming avg
View
▼
Rate3.55%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.99%▲ 0.61% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 12, 2026: 3.60% APYOct 12, 2026Oct 14, 2026
FNB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
18 Month Certificate (1.5 Year)
$100
3.55% ▲ 0.56% above Wyoming avg
View
▼
Rate3.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.99%▲ 0.56% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 8, 2026: 3.55% APYOct 8, 2026Oct 14, 2026
FNB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
18 Month Certificate of Deposit
$100
3.55% ▲ 0.56% above Wyoming avg
View
▼
Rate3.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.99%▲ 0.56% above avgNationally 2.88%
Details

Rate History
1 change since Sep 24, 2026 · 3.03% → 3.55% ▲ 0.52 pts · high 3.55% / low 3.03%
2.51%3.29%4.07%Sep 24, 2026: 3.03% APYOct 3, 2026: 3.55% APYSep 24, 2026Oct 14, 2026
  • Oct 3, 20263.55%▲ from 3.03%
  • Sep 24, 20263.03%first recorded
FNB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
IRA Variable - 18 Month
$25
3.55% ▲ 0.56% above Wyoming avg
View
▼
Rate3.50%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.99%▲ 0.56% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.03% → 3.55% ▲ 0.52 pts · high 3.55% / low 3.03%
2.51%3.29%4.07%Sep 14, 2026: 3.03% APYOct 3, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20263.55%▲ from 3.03%
  • Sep 14, 20263.03%first recorded
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
18 Month Certificate
$0
3.50% ▲ 0.51% above Wyoming avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.99%▲ 0.51% above avgNationally 2.88%
Details

547 Days; Dividends Post Quarterly

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
IRA Certificates - 18 Month Certificate
$0
3.50% ▲ 0.51% above Wyoming avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.99%▲ 0.51% above avgNationally 2.88%
Details

Dividends Post Quarterly

Rate History
No change since Oct 14, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 14, 2026
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
18 Month Variable Certificate
$250
3.42% ▲ 0.43% above Wyoming avg
View
▼
Rate3.38%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.99%▲ 0.43% above avgNationally 2.88%
Details

Rate: 50% of Wall Street Journal Prime

Rate History
No change since Sep 14, 2026 · 3.42% APY · checked 7 times
2.92%3.42%3.92%Sep 14, 2026: 3.42% APYSep 14, 2026Oct 14, 2026
WyHy Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.60%
18 Month Jumbo Term Certificates & Jumbo IRA Term Certificates
$50,000
3.40% ▲ 0.41% above Wyoming avg
View
▼
Rate3.36%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.99%▲ 0.41% above avgNationally 2.88%
Details

Fixed rate for term, Quarterly Paid Interest

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 5 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 14, 2026
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
18 Month Certificate
$200
3.40% ▲ 0.41% above Wyoming avg
View
▼
Rate3.36%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.99%▲ 0.41% above avgNationally 2.88%
Details

Rate History
No change since Oct 6, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Oct 6, 2026: 3.40% APYOct 6, 2026Oct 14, 2026
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Business 18 Month Certificate
$200
3.40% ▲ 0.41% above Wyoming avg
View
▼
Rate3.36%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.99%▲ 0.41% above avgNationally 2.88%
Details

Dividends Post Quarterly

Rate History
No change since Oct 14, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 14, 2026: 3.40% APYOct 14, 2026Oct 14, 2026
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Business Certificates - 18 Month Certificate (547 Days)
$200
3.40% ▲ 0.41% above Wyoming avg
View
▼
Rate3.36%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.99%▲ 0.41% above avgNationally 2.88%
Details

$200 Minimum; Dividends post quarterly

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 8 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 14, 2026
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
18 Month Certificate
$250
3.39% ▲ 0.40% above Wyoming avg
View
▼
Rate3.35%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.99%▲ 0.40% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.39% APY · checked 7 times
2.89%3.39%3.89%Sep 14, 2026: 3.39% APYSep 14, 2026Oct 14, 2026
WyHy Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.60%
18 Month Term Certificates & IRA Term Certificates
$500
3.35% ▲ 0.36% above Wyoming avg
View
▼
Rate3.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.99%▲ 0.36% above avgNationally 2.88%
Details

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

Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Oct 14, 2026
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
18 Month Certificate
$250
3.29% ▲ 0.30% above Wyoming avg
View
▼
Rate3.25%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.99%▲ 0.30% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 7 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 14, 2026
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
18 Month Certificates and IRA Share Certificates
$500
3.20% ▲ 0.21% above Wyoming avg
View
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.99%▲ 0.21% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 12, 2026 · 3.20% APY
2.70%3.20%3.70%Oct 12, 2026: 3.20% APYOct 12, 2026Oct 14, 2026
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Business Certificate - 18 months
$500
3.20% ▲ 0.21% above Wyoming avg
View
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.99%▲ 0.21% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 3.20% APY
2.70%3.20%3.70%Oct 12, 2026: 3.20% APYOct 12, 2026Oct 14, 2026
Security State Bank Basin, WY
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
18 Month CD
$1,000
3.04% ▲ 0.05% above Wyoming avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.99%▲ 0.05% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 7 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 14, 2026
Western Vista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
18 Month Share Certificate
$500
3.00% ▲ 0.01% above Wyoming avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.99%▲ 0.01% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 14, 2026
Western Vista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
Traditional & ROTH IRA - 18 Mos.
$0
3.00% ▲ 0.01% above Wyoming avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.99%▲ 0.01% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 14, 2026
Citco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Share Certificates - 18 month
$0
2.79% ▼ 0.20% below Wyoming avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.99%▼ 0.20% below avgNationally 2.88%
Details

Interest rate shown in APR column

Rate History
No change since Oct 12, 2026 · 2.79% APY
2.29%2.79%3.29%Oct 12, 2026: 2.79% APYOct 12, 2026Oct 14, 2026
Sunlight Federal Credit Union
Institution Rating:
D3.2 ★Texas Ratio: 37.01%
18 Month Share Certificate
$500
2.78% ▼ 0.21% below Wyoming avg
View
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.99%▼ 0.21% below avgNationally 2.88%
Details

Early Withdrawal Penalty: 180 Days Interest

Rate History
No change since Sep 18, 2026 · 2.78% APY · checked 6 times
2.28%2.78%3.28%Sep 18, 2026: 2.78% APYSep 18, 2026Oct 14, 2026
Security State Bank Basin, WY
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
18 Month CD
$1,000
2.63% ▼ 0.36% below Wyoming avg
View
▼
Rate2.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.99%▼ 0.36% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.63% APY · checked 7 times
2.13%2.63%3.13%Sep 14, 2026: 2.63% APYSep 14, 2026Oct 14, 2026
First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
18-Month Certificate
$0
2.53% ▼ 0.46% below Wyoming avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.99%▼ 0.46% below avgNationally 2.88%
Details

Payment Frequency: quarterly

Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 5 times
2.03%2.53%3.03%Sep 14, 2026: 2.53% APYSep 14, 2026Oct 14, 2026
Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
Share Certificates - 18 Month
$500
2.31% ▼ 0.68% below Wyoming avg
View
▼
Rate2.29%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.99%▼ 0.68% below avgNationally 2.88%
Details

Rate History
No change since Sep 12, 2026 · 2.31% APY · checked 5 times
1.81%2.31%2.81%Sep 12, 2026: 2.31% APYSep 12, 2026Oct 14, 2026
Hilltop National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
18 Month Certificate of Deposit
$1,000
1.66% ▼ 1.33% below Wyoming avg
View
▼
Rate1.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.99%▼ 1.33% below avgNationally 2.88%
Details

Balance: $50,000 +

Rate History
No change since Oct 14, 2026 · 1.66% APY
1.16%1.66%2.16%Oct 14, 2026: 1.66% APYOct 14, 2026Oct 14, 2026
Hilltop National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
18 Month Certificate of Deposit
$1,000
1.61% ▼ 1.38% below Wyoming avg
View
▼
Rate1.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.99%▼ 1.38% below avgNationally 2.88%
Details

Balance: $1,000- $49,999

Rate History
No change since Oct 14, 2026 · 1.61% APY
1.11%1.61%2.11%Oct 14, 2026: 1.61% APYOct 14, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
18 Month IRA Certificate of Deposit
$0
0.75% ▼ 2.24% below Wyoming avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.99%▼ 2.24% below avgNationally 2.88%
Details

Minimum Balance To Obtain APY: $1,000; rates based on zip code

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
18 Month Standard CD
$1,000
0.75% ▼ 2.24% below Wyoming avg
View
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.99%▼ 2.24% below avgNationally 2.88%
Details

Balance: up to $100,000.00; Rates for ZIP code 60603

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026

Thermopolis 24 Month CD Rates

Wyoming 24 Month CD Average3.16% APYNational 2.88%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Big Horn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
643 Broadway St, Thermopolis, WY 82443
2 year CD
$500
3.48% ▲ 0.32% above Wyoming avg
View
▼
Rate3.42%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average3.16%▲ 0.32% above avgNationally 2.88%
Details

Entire Balance

Rate History
No change since Sep 11, 2026 · 3.48% APY · checked 8 times
2.98%3.48%3.98%Sep 11, 2026: 3.48% APYSep 11, 2026Oct 14, 2026
Buffalo Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
24 Month CD
$500
4.19% ▲ 1.03% above Wyoming avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average3.16%▲ 1.03% above avgNationally 2.88%
Details

Rate History
No change since Oct 11, 2026 · 4.19% APY
3.69%4.19%4.69%Oct 11, 2026: 4.19% APYOct 11, 2026Oct 14, 2026
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
24 Month Certificate
$500
4.18% ▲ 1.02% above Wyoming avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.16%▲ 1.02% above avgNationally 2.88%
Details

Business Share Certificates; Certificate Special; Limited time special; Penalty for early withdrawal; Rates effective as of October 1, 2026

Rate History
1 change since Sep 14, 2026 · 3.66% → 4.18% ▲ 0.52 pts · high 4.18% / low 3.66%
3.14%3.92%4.70%Sep 14, 2026: 3.66% APYOct 14, 2026: 4.18% APYSep 14, 2026Oct 14, 2026
  • Oct 14, 20264.18%▲ from 3.66%
  • Sep 14, 20263.66%first recorded
StagePoint Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
24 Month Share Certificate
$0
3.82% ▲ 0.66% above Wyoming avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.16%▲ 0.66% above avgNationally 2.88%
Details

Published rate range: As high as 3.75%.

Rate History
No change since Sep 25, 2026 · 3.82% APY · checked 4 times
3.32%3.82%4.32%Sep 25, 2026: 3.82% APYSep 25, 2026Oct 14, 2026
Grand Altitude Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
Share & IRA Certificates - 24 Month
$0
3.80% ▲ 0.64% above Wyoming avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wyoming Average3.16%▲ 0.64% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 9, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 9, 2026: 3.80% APYOct 9, 2026Oct 14, 2026
Sheridan Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
24 Month Certificate
$0
3.75% ▲ 0.59% above Wyoming avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.16%▲ 0.59% above avgNationally 2.88%
Details

Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 25, 2026: 3.75% APYSep 25, 2026Oct 14, 2026
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Share Certificates - 24 months
$0
3.75% ▲ 0.59% above Wyoming avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.16%▲ 0.59% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 14, 2026
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
CD's & IRA's Min. - 2 Year
$0
3.70% ▲ 0.54% above Wyoming avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average3.16%▲ 0.54% above avgNationally 2.88%
Details

Rate History
1 change since Sep 19, 2026 · 3.45% → 3.70% ▲ 0.25 pts · high 3.70% / low 3.45%
2.95%3.58%4.20%Sep 19, 2026: 3.45% APYSep 27, 2026: 3.70% APYSep 19, 2026Oct 14, 2026
  • Sep 27, 20263.70%▲ from 3.45%
  • Sep 19, 20263.45%first recorded
Uniwyo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Share Certificate - 2 Year
$100
3.70% ▲ 0.54% above Wyoming avg
View
▼
Rate3.65%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.16%▲ 0.54% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 12, 2026: 3.70% APYOct 12, 2026Oct 14, 2026
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
24 Month Certificates of Deposit
$500
3.65% ▲ 0.49% above Wyoming avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.16%▲ 0.49% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 8 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Business Certificates of Deposit - 24 Month
$0
3.60% ▲ 0.44% above Wyoming avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.16%▲ 0.44% above avgNationally 2.88%
Details

Balance: $1,000 or more

Rate History
1 change since Sep 18, 2026 · 3.35% → 3.60% ▲ 0.25 pts · high 3.60% / low 3.35%
2.85%3.47%4.10%Sep 18, 2026: 3.35% APYOct 14, 2026: 3.60% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20263.60%▲ from 3.35%
  • Sep 18, 20263.35%first recorded
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Certificates of Deposit - 24 Month
$0
3.60% ▲ 0.44% above Wyoming avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.16%▲ 0.44% above avgNationally 2.88%
Details

Balance: $1,000 or more

Rate History
1 change since Sep 18, 2026 · 3.35% → 3.60% ▲ 0.25 pts · high 3.60% / low 3.35%
2.85%3.47%4.10%Sep 18, 2026: 3.35% APYOct 14, 2026: 3.60% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20263.60%▲ from 3.35%
  • Sep 18, 20263.35%first recorded
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
CD's & IRA's Min. - 2 Year
$0
3.60% ▲ 0.44% above Wyoming avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average3.16%▲ 0.44% above avgNationally 2.88%
Details

$25,000.00-$99,999.99

Rate History
1 change since Sep 19, 2026 · 3.35% → 3.60% ▲ 0.25 pts · high 3.60% / low 3.35%
2.85%3.47%4.10%Sep 19, 2026: 3.35% APYSep 27, 2026: 3.60% APYSep 19, 2026Oct 14, 2026
  • Sep 27, 20263.60%▲ from 3.35%
  • Sep 19, 20263.35%first recorded
FNB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
24 Month Certificate (2 Year)
$100
3.60% ▲ 0.44% above Wyoming avg
View
▼
Rate3.55%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.16%▲ 0.44% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 8, 2026: 3.60% APYOct 8, 2026Oct 14, 2026
FNB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
24 Month Certificate of Deposit
$100
3.60% ▲ 0.44% above Wyoming avg
View
▼
Rate3.55%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.16%▲ 0.44% above avgNationally 2.88%
Details

Rate History
1 change since Sep 24, 2026 · 2.93% → 3.60% ▲ 0.67 pts · high 3.60% / low 2.93%
2.26%3.26%4.27%Sep 24, 2026: 2.93% APYOct 3, 2026: 3.60% APYSep 24, 2026Oct 14, 2026
  • Oct 3, 20263.60%▲ from 2.93%
  • Sep 24, 20262.93%first recorded
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
2 Year Certificate
$1,000
3.50% ▲ 0.34% above Wyoming avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average3.16%▲ 0.34% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 14, 2026
WyHy Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.60%
24 Month Jumbo Term Certificates & Jumbo IRA Term Certificates
$50,000
3.35% ▲ 0.19% above Wyoming avg
View
▼
Rate3.31%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.16%▲ 0.19% above avgNationally 2.88%
Details

Fixed rate for term, Quarterly Paid Interest

Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Oct 14, 2026
WyHy Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.60%
24 Month Term Certificates & IRA Term Certificates
$500
3.30% ▲ 0.14% above Wyoming avg
View
▼
Rate3.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.16%▲ 0.14% above avgNationally 2.88%
Details

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

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Oct 14, 2026
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
24 Month Certificate
$0
3.30% ▲ 0.14% above Wyoming avg
View
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.16%▲ 0.14% above avgNationally 2.88%
Details

730 Days; Dividends Post Quarterly

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 8 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 14, 2026
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
IRA Certificates - 24 Month Certificate
$0
3.30% ▲ 0.14% above Wyoming avg
View
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.16%▲ 0.14% above avgNationally 2.88%
Details

Dividends Post Quarterly

Rate History
No change since Oct 14, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 14, 2026: 3.30% APYOct 14, 2026Oct 14, 2026
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
2 Year Certificate
$250
3.29% ▲ 0.13% above Wyoming avg
View
▼
Rate3.25%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.16%▲ 0.13% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 7 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 14, 2026
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
24 Month Certificates and IRA Share Certificates
$500
3.25% ▲ 0.09% above Wyoming avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.16%▲ 0.09% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 12, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 12, 2026: 3.25% APYOct 12, 2026Oct 14, 2026
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Business Certificate - 24 months
$500
3.25% ▲ 0.09% above Wyoming avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.16%▲ 0.09% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 12, 2026: 3.25% APYOct 12, 2026Oct 14, 2026
Acpe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
Share Certificate - 24 Months
$250
3.25% ▲ 0.09% above Wyoming avg
View
▼
Rate3.20%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wyoming Average3.16%▲ 0.09% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
CAMPCO
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
Share Certificate - 24 Month
$0
3.25% ▲ 0.09% above Wyoming avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.16%▲ 0.09% above avgNationally 2.88%
Details

Share Certificate and IRA Rates

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
2.50%3.13%3.75%Sep 14, 2026: 3.00% APYOct 6, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
  • Oct 6, 20263.25%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
24 Month Certificate
$200
3.20% ▲ 0.04% above Wyoming avg
View
▼
Rate3.16%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.16%▲ 0.04% above avgNationally 2.88%
Details

Rate History
No change since Oct 6, 2026 · 3.20% APY · checked 3 times
2.70%3.20%3.70%Oct 6, 2026: 3.20% APYOct 6, 2026Oct 14, 2026
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Business 24 Month Certificate
$200
3.20% ▲ 0.04% above Wyoming avg
View
▼
Rate3.16%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.16%▲ 0.04% above avgNationally 2.88%
Details

Dividends Post Quarterly

Rate History
No change since Oct 14, 2026 · 3.20% APY
2.70%3.20%3.70%Oct 14, 2026: 3.20% APYOct 14, 2026Oct 14, 2026
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Business Certificates - 24 Month Certificate (730 Days)
$200
3.20% ▲ 0.04% above Wyoming avg
View
▼
Rate3.16%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.16%▲ 0.04% above avgNationally 2.88%
Details

$200 Minimum; Dividends post quarterly

Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 8 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Oct 14, 2026
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
2 Year Certificate
$250
3.19% ▲ 0.03% above Wyoming avg
View
▼
Rate3.15%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.16%▲ 0.03% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.19% APY · checked 7 times
2.69%3.19%3.69%Sep 14, 2026: 3.19% APYSep 14, 2026Oct 14, 2026
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
One time Bump 2 year term
$250
3.19% ▲ 0.03% above Wyoming avg
View
▼
Rate3.15%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.16%▲ 0.03% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.19% APY · checked 7 times
2.69%3.19%3.69%Sep 14, 2026: 3.19% APYSep 14, 2026Oct 14, 2026
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
One Time Bump CD 2 year term
$250
3.09% ▼ 0.07% below Wyoming avg
View
▼
Rate3.05%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.16%▼ 0.07% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.09% APY · checked 7 times
2.59%3.09%3.59%Sep 14, 2026: 3.09% APYSep 14, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2-Year Certificate
$100,000
3.05% ▼ 0.11% below Wyoming avg
View
▼
Rate3.01%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.16%▼ 0.11% below avgNationally 2.88%
Details

Jumbo certificate; $100,000 min. deposit

Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 8 times
2.55%3.05%3.55%Sep 18, 2026: 3.05% APYSep 18, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2-Year IRA
$100,000
3.05% ▼ 0.11% below Wyoming avg
View
▼
Rate3.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.16%▼ 0.11% below avgNationally 2.88%
Details

Jumbo $100,000 min. deposit

Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 8 times
2.55%3.05%3.55%Sep 18, 2026: 3.05% APYSep 18, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2-Year Certificate
$50,000
3.00% ▼ 0.16% below Wyoming avg
View
▼
Rate2.96%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.16%▼ 0.16% below avgNationally 2.88%
Details

$50,000 min. deposit

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 8 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2-Year IRA
$50,000
3.00% ▼ 0.16% below Wyoming avg
View
▼
Rate2.96%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.16%▼ 0.16% below avgNationally 2.88%
Details

IRA; $50,000 min. deposit

Rate History
2 changes since Sep 18, 2026 · 3.00% → 3.00% ▼ 0.00 pts · high 3.00% / low 2.95%
2.45%2.98%3.50%Sep 18, 2026: 3.00% APYSep 24, 2026: 2.95% APYOct 7, 2026: 3.00% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20263.00%▲ from 2.95%
  • Sep 24, 20262.95%▼ from 3.00%
  • Sep 18, 20263.00%first recorded
Western Vista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
24 Month Share Certificate
$500
3.00% ▼ 0.16% below Wyoming avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.16%▼ 0.16% below avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 14, 2026
Western Vista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
Traditional & ROTH IRA - 24 Mos.
$0
3.00% ▼ 0.16% below Wyoming avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.16%▼ 0.16% below avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2-Year Certificate
$25,000
2.95% ▼ 0.21% below Wyoming avg
View
▼
Rate2.91%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.16%▼ 0.21% below avgNationally 2.88%
Details

$25,000 min. deposit; Effective Date: 02/04/2026

Rate History
No change since Sep 18, 2026 · 2.95% APY · checked 8 times
2.45%2.95%3.45%Sep 18, 2026: 2.95% APYSep 18, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2-Year IRA
$25,000
2.95% ▼ 0.21% below Wyoming avg
View
▼
Rate2.91%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.16%▼ 0.21% below avgNationally 2.88%
Details

Fixed Rate Accounts; $25,000 min. deposit; Effective Date: 02/04/2026; Rates for California

Rate History
1 change since Sep 18, 2026 · 3.00% → 2.95% ▼ 0.05 pts · high 3.00% / low 2.95%
2.45%2.98%3.50%Sep 18, 2026: 3.00% APYSep 24, 2026: 2.95% APYSep 18, 2026Oct 14, 2026
  • Sep 24, 20262.95%▼ from 3.00%
  • Sep 18, 20263.00%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2-Year Certificate
$1,000
2.90% ▼ 0.26% below Wyoming avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.16%▼ 0.26% below avgNationally 2.88%
Details

Share Certificate Rates; Effective Date: 02/04/2026; Rates for California

Rate History
1 change since Sep 18, 2026 · 2.95% → 2.90% ▼ 0.05 pts · high 2.95% / low 2.90%
2.40%2.93%3.45%Sep 18, 2026: 2.95% APYOct 14, 2026: 2.90% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20262.90%▼ from 2.95%
  • Sep 18, 20262.95%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2-Year IRA
$1,000
2.90% ▼ 0.26% below Wyoming avg
View
▼
Rate2.86%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.16%▼ 0.26% below avgNationally 2.88%
Details

IRA; Fixed Rate Accounts; Effective Date: 02/04/2026

Rate History
2 changes since Sep 18, 2026 · 3.00% → 2.90% ▼ 0.10 pts · high 3.00% / low 2.90%
2.40%2.95%3.50%Sep 18, 2026: 3.00% APYSep 24, 2026: 2.95% APYOct 7, 2026: 2.90% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20262.90%▼ from 2.95%
  • Sep 24, 20262.95%▼ from 3.00%
  • Sep 18, 20263.00%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
Share Certificate - 2-Year Certificate
$1,000
2.90% ▼ 0.26% below Wyoming avg
View
▼
Rate2.86%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.16%▼ 0.26% below avgNationally 2.88%
Details

Rates for California; $1,000 min. deposit

Rate History
No change since Sep 18, 2026 · 2.90% APY · checked 8 times
2.40%2.90%3.40%Sep 18, 2026: 2.90% APYSep 18, 2026Oct 14, 2026
Security State Bank Basin, WY
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
24 Month CD
$1,000
2.78% ▼ 0.38% below Wyoming avg
View
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.16%▼ 0.38% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.78% APY · checked 7 times
2.28%2.78%3.28%Sep 14, 2026: 2.78% APYSep 14, 2026Oct 14, 2026
Sunlight Federal Credit Union
Institution Rating:
D3.2 ★Texas Ratio: 37.01%
2 Year Share Certificate
$500
2.78% ▼ 0.38% below Wyoming avg
View
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.16%▼ 0.38% below avgNationally 2.88%
Details

Early Withdrawal Penalty: 180 Days Interest

Rate History
No change since Sep 18, 2026 · 2.78% APY · checked 6 times
2.28%2.78%3.28%Sep 18, 2026: 2.78% APYSep 18, 2026Oct 14, 2026
First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
24-Month Certificate
$0
2.63% ▼ 0.53% below Wyoming avg
View
▼
Rate2.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.16%▼ 0.53% below avgNationally 2.88%
Details

Payment Frequency: quarterly

Rate History
No change since Sep 14, 2026 · 2.63% APY · checked 5 times
2.13%2.63%3.13%Sep 14, 2026: 2.63% APYSep 14, 2026Oct 14, 2026
First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
IRA 24-Month Certificate
$0
2.63% ▼ 0.53% below Wyoming avg
View
▼
Rate2.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.16%▼ 0.53% below avgNationally 2.88%
Details

Individual Retirement Account Rates

Rate History
No change since Oct 12, 2026 · 2.63% APY
2.13%2.63%3.13%Oct 12, 2026: 2.63% APYOct 12, 2026Oct 14, 2026
Citco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Share Certificates - 24 month
$0
2.53% ▼ 0.63% below Wyoming avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.16%▼ 0.63% below avgNationally 2.88%
Details

Interest rate shown in APR column

Rate History
No change since Oct 12, 2026 · 2.53% APY
2.03%2.53%3.03%Oct 12, 2026: 2.53% APYOct 12, 2026Oct 14, 2026
Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
Share Certificates - 24 Month
$500
2.36% ▼ 0.80% below Wyoming avg
View
▼
Rate2.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.16%▼ 0.80% below avgNationally 2.88%
Details

Rate History
No change since Sep 12, 2026 · 2.36% APY · checked 5 times
1.86%2.36%2.86%Sep 12, 2026: 2.36% APYSep 12, 2026Oct 14, 2026
Hilltop National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
24 Month Certificate of Deposit
$1,000
1.76% ▼ 1.40% below Wyoming avg
View
▼
Rate1.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.16%▼ 1.40% below avgNationally 2.88%
Details

Balance: $50,000 +

Rate History
No change since Oct 14, 2026 · 1.76% APY
1.26%1.76%2.26%Oct 14, 2026: 1.76% APYOct 14, 2026Oct 14, 2026
Hilltop National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
24 Month Certificate of Deposit
$1,000
1.71% ▼ 1.45% below Wyoming avg
View
▼
Rate1.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.16%▼ 1.45% below avgNationally 2.88%
Details

Balance: $1,000- $49,999

Rate History
No change since Oct 14, 2026 · 1.71% APY
1.21%1.71%2.21%Oct 14, 2026: 1.71% APYOct 14, 2026Oct 14, 2026

Thermopolis 36 Month CD Rates

Wyoming 36 Month CD Average3.03% APYNational 2.81%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Big Horn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
643 Broadway St, Thermopolis, WY 82443
3 year CD
$500
3.69% ▲ 0.66% above Wyoming avg
View
▼
Rate3.62%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average3.03%▲ 0.66% above avgNationally 2.81%
Details

Entire Balance

Rate History
No change since Sep 11, 2026 · 3.69% APY · checked 8 times
3.19%3.69%4.19%Sep 11, 2026: 3.69% APYSep 11, 2026Oct 14, 2026
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Share Certificates - 36 months
$0
4.30% ▲ 1.27% above Wyoming avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.03%▲ 1.27% above avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 12, 2026: 4.30% APYOct 12, 2026Oct 14, 2026
Grand Altitude Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
Share & IRA Certificates - 36 Month
$0
3.85% ▲ 0.82% above Wyoming avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wyoming Average3.03%▲ 0.82% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 9, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 9, 2026: 3.85% APYOct 9, 2026Oct 14, 2026
StagePoint Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
36 Month Share Certificate
$0
3.82% ▲ 0.79% above Wyoming avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.03%▲ 0.79% above avgNationally 2.81%
Details

Published rate range: As high as 3.75%.

Rate History
No change since Sep 25, 2026 · 3.82% APY · checked 4 times
3.32%3.82%4.32%Sep 25, 2026: 3.82% APYSep 25, 2026Oct 14, 2026
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
CD's & IRA's Min. - 3 Year
$0
3.75% ▲ 0.72% above Wyoming avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average3.03%▲ 0.72% above avgNationally 2.81%
Details

Rate History
1 change since Sep 19, 2026 · 3.45% → 3.75% ▲ 0.30 pts · high 3.75% / low 3.45%
2.95%3.60%4.25%Sep 19, 2026: 3.45% APYSep 27, 2026: 3.75% APYSep 19, 2026Oct 14, 2026
  • Sep 27, 20263.75%▲ from 3.45%
  • Sep 19, 20263.45%first recorded
Uniwyo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
IRA and HSA Share Certificate - 3 Year IRA
$100
3.75% ▲ 0.72% above Wyoming avg
View
▼
Rate3.70%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.03%▲ 0.72% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 12, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 14, 2026
Uniwyo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Share Certificate - 3 Year
$100
3.75% ▲ 0.72% above Wyoming avg
View
▼
Rate3.70%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.03%▲ 0.72% above avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 14, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Business Certificates of Deposit - 36 Month
$0
3.70% ▲ 0.67% above Wyoming avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.03%▲ 0.67% above avgNationally 2.81%
Details

Balance: $1,000 or more

Rate History
1 change since Sep 18, 2026 · 3.40% → 3.70% ▲ 0.30 pts · high 3.70% / low 3.40%
2.90%3.55%4.20%Sep 18, 2026: 3.40% APYOct 14, 2026: 3.70% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20263.70%▲ from 3.40%
  • Sep 18, 20263.40%first recorded
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Certificates of Deposit - 36 Month
$0
3.70% ▲ 0.67% above Wyoming avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.03%▲ 0.67% above avgNationally 2.81%
Details

Balance: $1,000 or more

Rate History
1 change since Sep 18, 2026 · 3.40% → 3.70% ▲ 0.30 pts · high 3.70% / low 3.40%
2.90%3.55%4.20%Sep 18, 2026: 3.40% APYOct 14, 2026: 3.70% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20263.70%▲ from 3.40%
  • Sep 18, 20263.40%first recorded
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
CD's & IRA's Min. - 3 Year
$0
3.65% ▲ 0.62% above Wyoming avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average3.03%▲ 0.62% above avgNationally 2.81%
Details

$25,000.00-$99,999.99

Rate History
1 change since Sep 19, 2026 · 3.35% → 3.65% ▲ 0.30 pts · high 3.65% / low 3.35%
2.85%3.50%4.15%Sep 19, 2026: 3.35% APYSep 27, 2026: 3.65% APYSep 19, 2026Oct 14, 2026
  • Sep 27, 20263.65%▲ from 3.35%
  • Sep 19, 20263.35%first recorded
FNB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
36 Month Certificate (3 Year)
$100
3.65% ▲ 0.62% above Wyoming avg
View
▼
Rate3.60%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.03%▲ 0.62% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 8, 2026: 3.65% APYOct 8, 2026Oct 14, 2026
FNB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
36 Month Certificate of Deposit
$100
3.65% ▲ 0.62% above Wyoming avg
View
▼
Rate3.60%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.03%▲ 0.62% above avgNationally 2.81%
Details

Rate History
1 change since Sep 24, 2026 · 2.93% → 3.65% ▲ 0.72 pts · high 3.65% / low 2.93%
2.21%3.29%4.37%Sep 24, 2026: 2.93% APYOct 3, 2026: 3.65% APYSep 24, 2026Oct 14, 2026
  • Oct 3, 20263.65%▲ from 2.93%
  • Sep 24, 20262.93%first recorded
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
36 Month Certificates of Deposit
$500
3.65% ▲ 0.62% above Wyoming avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.03%▲ 0.62% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 3.65% ▼ 0.05 pts · high 3.70% / low 3.65%
3.15%3.68%4.20%Sep 14, 2026: 3.70% APYOct 1, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
  • Oct 1, 20263.65%▼ from 3.70%
  • Sep 14, 20263.70%first recorded
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
3 Year Certificate
$1,000
3.55% ▲ 0.52% above Wyoming avg
View
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average3.03%▲ 0.52% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 7, 2026: 3.55% APYOct 7, 2026Oct 14, 2026
WyHy Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.60%
36 Month Jumbo Term Certificates & Jumbo IRA Term Certificates
$50,000
3.40% ▲ 0.37% above Wyoming avg
View
▼
Rate3.36%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.03%▲ 0.37% above avgNationally 2.81%
Details

Fixed rate for term, Quarterly Paid Interest

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 5 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 14, 2026
WyHy Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.60%
36 Month Term Certificates & IRA Term Certificates
$500
3.35% ▲ 0.32% above Wyoming avg
View
▼
Rate3.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.03%▲ 0.32% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Oct 14, 2026
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
36 Month Certificates and IRA Share Certificates
$500
3.30% ▲ 0.27% above Wyoming avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.03%▲ 0.27% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 12, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 12, 2026: 3.30% APYOct 12, 2026Oct 14, 2026
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Business Certificate - 36 months
$500
3.30% ▲ 0.27% above Wyoming avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.03%▲ 0.27% above avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 12, 2026: 3.30% APYOct 12, 2026Oct 14, 2026
Acpe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
Share Certificate - 36 Months
$250
3.30% ▲ 0.27% above Wyoming avg
View
▼
Rate3.25%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wyoming Average3.03%▲ 0.27% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 25, 2026: 3.25% APYSep 25, 2026Oct 14, 2026
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
36 Month Certificate
$0
3.25% ▲ 0.22% above Wyoming avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.03%▲ 0.22% above avgNationally 2.81%
Details

1095 Days; Dividends Post Quarterly

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
IRA Certificates - 36 Month Certificate
$0
3.25% ▲ 0.22% above Wyoming avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.03%▲ 0.22% above avgNationally 2.81%
Details

Dividends Post Quarterly

Rate History
No change since Oct 14, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 14, 2026: 3.25% APYOct 14, 2026Oct 14, 2026
CAMPCO
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
Share Certificate - 36 Month
$0
3.25% ▲ 0.22% above Wyoming avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.03%▲ 0.22% above avgNationally 2.81%
Details

Share Certificate and IRA Rates

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

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

Rate History
No change since Oct 6, 2026 · 3.10% APY · checked 3 times
2.60%3.10%3.60%Oct 6, 2026: 3.10% APYOct 6, 2026Oct 14, 2026
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Business 36 Month Certificate
$200
3.10% ▲ 0.07% above Wyoming avg
View
▼
Rate3.07%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.03%▲ 0.07% above avgNationally 2.81%
Details

Dividends Post Quarterly

Rate History
No change since Oct 14, 2026 · 3.10% APY
2.60%3.10%3.60%Oct 14, 2026: 3.10% APYOct 14, 2026Oct 14, 2026
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Business Certificates - 36 Month Certificate (1095 Days)
$200
3.10% ▲ 0.07% above Wyoming avg
View
▼
Rate3.07%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.03%▲ 0.07% above avgNationally 2.81%
Details

$200 Minimum; Dividends post quarterly

Rate History
No change since Oct 14, 2026 · 3.10% APY
2.60%3.10%3.60%Oct 14, 2026: 3.10% APYOct 14, 2026Oct 14, 2026
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
3 Year Certificate
$250
3.03% At Wyoming avg
View
▼
Rate3.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.03%At the averageNationally 2.81%
Details

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

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

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 14, 2026
Western Vista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
Traditional & ROTH IRA - 36 Mos.
$0
3.00% ▼ 0.03% below Wyoming avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.03%▼ 0.03% below avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 14, 2026
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
One Time Bump CD 3 year term
$250
2.93% ▼ 0.10% below Wyoming avg
View
▼
Rate2.90%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.03%▼ 0.10% below avgNationally 2.81%
Details

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

Rate History
No change since Sep 14, 2026 · 2.78% APY · checked 7 times
2.28%2.78%3.28%Sep 14, 2026: 2.78% APYSep 14, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Year Certificate
$100,000
2.70% ▼ 0.33% below Wyoming avg
View
▼
Rate2.67%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.03%▼ 0.33% below avgNationally 2.81%
Details

Jumbo certificate; $100,000 min. deposit

Rate History
No change since Sep 18, 2026 · 2.70% APY · checked 8 times
2.20%2.70%3.20%Sep 18, 2026: 2.70% APYSep 18, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Year IRA
$100,000
2.70% ▼ 0.33% below Wyoming avg
View
▼
Rate2.66%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.03%▼ 0.33% below avgNationally 2.81%
Details

Jumbo $100,000 min. deposit

Rate History
1 change since Sep 24, 2026 · 2.60% → 2.70% ▲ 0.10 pts · high 2.70% / low 2.60%
2.10%2.65%3.20%Sep 24, 2026: 2.60% APYOct 7, 2026: 2.70% APYSep 24, 2026Oct 14, 2026
  • Oct 7, 20262.70%▲ from 2.60%
  • Sep 24, 20262.60%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Year Certificate
$50,000
2.65% ▼ 0.38% below Wyoming avg
View
▼
Rate2.62%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.03%▼ 0.38% below avgNationally 2.81%
Details

$50,000 min. deposit

Rate History
No change since Sep 18, 2026 · 2.65% APY · checked 8 times
2.15%2.65%3.15%Sep 18, 2026: 2.65% APYSep 18, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Year IRA
$50,000
2.65% ▼ 0.38% below Wyoming avg
View
▼
Rate2.62%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.03%▼ 0.38% below avgNationally 2.81%
Details

$50,000 min. deposit tier; Effective Date: 02/04/2026

Rate History
1 change since Sep 24, 2026 · 2.60% → 2.65% ▲ 0.05 pts · high 2.65% / low 2.60%
2.10%2.63%3.15%Sep 24, 2026: 2.60% APYOct 7, 2026: 2.65% APYSep 24, 2026Oct 14, 2026
  • Oct 7, 20262.65%▲ from 2.60%
  • Sep 24, 20262.60%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Year Certificate
$25,000
2.60% ▼ 0.43% below Wyoming avg
View
▼
Rate2.57%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.03%▼ 0.43% below avgNationally 2.81%
Details

$25,000 min. deposit

Rate History
No change since Sep 18, 2026 · 2.60% APY · checked 8 times
2.10%2.60%3.10%Sep 18, 2026: 2.60% APYSep 18, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Year IRA
$25,000
2.60% ▼ 0.43% below Wyoming avg
View
▼
Rate2.57%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.03%▼ 0.43% below avgNationally 2.81%
Details

Fixed Rate Accounts; $25,000 min. deposit; Effective Date: 02/04/2026

Rate History
No change since Sep 24, 2026 · 2.60% APY · checked 7 times
2.10%2.60%3.10%Sep 24, 2026: 2.60% APYSep 24, 2026Oct 14, 2026
Security State Bank Basin, WY
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
36 Month CD
$1,000
2.58% ▼ 0.45% below Wyoming avg
View
▼
Rate2.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.03%▼ 0.45% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.58% APY · checked 7 times
2.08%2.58%3.08%Sep 14, 2026: 2.58% APYSep 14, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Year Certificate
$1,000
2.55% ▼ 0.48% below Wyoming avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.03%▼ 0.48% below avgNationally 2.81%
Details

Share Certificate; $1,000 min. deposit; Rates for California

Rate History
No change since Sep 18, 2026 · 2.55% APY · checked 8 times
2.05%2.55%3.05%Sep 18, 2026: 2.55% APYSep 18, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Year IRA
$1,000
2.55% ▼ 0.48% below Wyoming avg
View
▼
Rate2.52%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.03%▼ 0.48% below avgNationally 2.81%
Details

Effective Date: 02/04/2026; Rates for California

Rate History
1 change since Sep 24, 2026 · 2.60% → 2.55% ▼ 0.05 pts · high 2.60% / low 2.55%
2.05%2.58%3.10%Sep 24, 2026: 2.60% APYOct 7, 2026: 2.55% APYSep 24, 2026Oct 14, 2026
  • Oct 7, 20262.55%▼ from 2.60%
  • Sep 24, 20262.60%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
Share Certificate - 3-Year Certificate
$1,000
2.55% ▼ 0.48% below Wyoming avg
View
▼
Rate2.52%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.03%▼ 0.48% below avgNationally 2.81%
Details

Effective Date: 02/04/2026; Rates for California; $1,000 min. deposit

Rate History
No change since Sep 18, 2026 · 2.55% APY · checked 8 times
2.05%2.55%3.05%Sep 18, 2026: 2.55% APYSep 18, 2026Oct 14, 2026
Sunlight Federal Credit Union
Institution Rating:
D3.2 ★Texas Ratio: 37.01%
3 Year Share Certificate
$500
2.53% ▼ 0.50% below Wyoming avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.03%▼ 0.50% below avgNationally 2.81%
Details

Early Withdrawal Penalty: 180 Days Interest

Rate History
No change since Sep 18, 2026 · 2.53% APY · checked 6 times
2.03%2.53%3.03%Sep 18, 2026: 2.53% APYSep 18, 2026Oct 14, 2026
Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
Share Certificates - 36 Month
$500
2.41% ▼ 0.62% below Wyoming avg
View
▼
Rate2.39%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.03%▼ 0.62% below avgNationally 2.81%
Details

Rate History
No change since Sep 12, 2026 · 2.41% APY · checked 5 times
1.91%2.41%2.91%Sep 12, 2026: 2.41% APYSep 12, 2026Oct 14, 2026
First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
36-Month Certificate
$0
1.00% ▼ 2.03% below Wyoming avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.03%▼ 2.03% below avgNationally 2.81%
Details

Payment Frequency: quarterly

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

Individual Retirement Account Rates

Rate History
No change since Oct 12, 2026 · 1.00% APY
0.50%1.00%1.50%Oct 12, 2026: 1.00% APYOct 12, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
36 Month IRA Certificate of Deposit
$0
0.75% ▼ 2.28% below Wyoming avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.03%▼ 2.28% below avgNationally 2.81%
Details

Minimum Balance To Obtain APY: $1,000; rates based on zip code

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
36 Month Standard CD
$1,000
0.75% ▼ 2.28% below Wyoming avg
View
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.03%▼ 2.28% below avgNationally 2.81%
Details

Balance: up to $100,000.00; Rates for ZIP code 60603

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026

Thermopolis 48 Month CD Rates

Wyoming 48 Month CD Average2.96% APYNational 2.80%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Big Horn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
643 Broadway St, Thermopolis, WY 82443
4 year CD
$500
3.77% ▲ 0.81% above Wyoming avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average2.96%▲ 0.81% above avgNationally 2.80%
Details

Entire Balance

Rate History
No change since Sep 11, 2026 · 3.77% APY · checked 8 times
3.27%3.77%4.27%Sep 11, 2026: 3.77% APYSep 11, 2026Oct 14, 2026
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Share Certificates - 48 months
$0
4.40% ▲ 1.44% above Wyoming avg
View
▼
Rate4.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.96%▲ 1.44% above avgNationally 2.80%
Details

Rate History
No change since Oct 12, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 12, 2026: 4.40% APYOct 12, 2026Oct 14, 2026
Grand Altitude Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
Share & IRA Certificates - 48 Month
$0
3.90% ▲ 0.94% above Wyoming avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wyoming Average2.96%▲ 0.94% above avgNationally 2.80%
Details

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

Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 9, 2026: 3.90% APYOct 9, 2026Oct 14, 2026
StagePoint Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
48 Month Share Certificate
$0
3.82% ▲ 0.86% above Wyoming avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.96%▲ 0.86% above avgNationally 2.80%
Details

Published rate range: As high as 3.75%.

Rate History
No change since Sep 25, 2026 · 3.82% APY · checked 4 times
3.32%3.82%4.32%Sep 25, 2026: 3.82% APYSep 25, 2026Oct 14, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Business Certificates of Deposit - 48 Month
$0
3.80% ▲ 0.84% above Wyoming avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.96%▲ 0.84% above avgNationally 2.80%
Details

Balance: $1,000 or more

Rate History
1 change since Sep 18, 2026 · 3.45% → 3.80% ▲ 0.35 pts · high 3.80% / low 3.45%
2.95%3.63%4.30%Sep 18, 2026: 3.45% APYOct 14, 2026: 3.80% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20263.80%▲ from 3.45%
  • Sep 18, 20263.45%first recorded
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Certificates of Deposit - 48 Month
$0
3.80% ▲ 0.84% above Wyoming avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.96%▲ 0.84% above avgNationally 2.80%
Details

Balance: $1,000 or more

Rate History
1 change since Sep 18, 2026 · 3.45% → 3.80% ▲ 0.35 pts · high 3.80% / low 3.45%
2.95%3.63%4.30%Sep 18, 2026: 3.45% APYOct 14, 2026: 3.80% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20263.80%▲ from 3.45%
  • Sep 18, 20263.45%first recorded
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
CD's & IRA's Min. - 4 Year
$0
3.80% ▲ 0.84% above Wyoming avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average2.96%▲ 0.84% above avgNationally 2.80%
Details

Rate History
1 change since Sep 19, 2026 · 3.45% → 3.80% ▲ 0.35 pts · high 3.80% / low 3.45%
2.95%3.63%4.30%Sep 19, 2026: 3.45% APYSep 27, 2026: 3.80% APYSep 19, 2026Oct 14, 2026
  • Sep 27, 20263.80%▲ from 3.45%
  • Sep 19, 20263.45%first recorded
Uniwyo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Share Certificate - 4 Year
$100
3.80% ▲ 0.84% above Wyoming avg
View
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.96%▲ 0.84% above avgNationally 2.80%
Details

Rate History
No change since Oct 12, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 14, 2026
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
CD's & IRA's Min. - 4 Year
$0
3.70% ▲ 0.74% above Wyoming avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average2.96%▲ 0.74% above avgNationally 2.80%
Details

$25,000.00-$99,999.99

Rate History
1 change since Sep 19, 2026 · 3.35% → 3.70% ▲ 0.35 pts · high 3.70% / low 3.35%
2.85%3.53%4.20%Sep 19, 2026: 3.35% APYSep 27, 2026: 3.70% APYSep 19, 2026Oct 14, 2026
  • Sep 27, 20263.70%▲ from 3.35%
  • Sep 19, 20263.35%first recorded
FNB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
48 Month Certificate (4 Year)
$100
3.70% ▲ 0.74% above Wyoming avg
View
▼
Rate3.65%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.96%▲ 0.74% above avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 8, 2026: 3.70% APYOct 8, 2026Oct 14, 2026
FNB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
48 Month Certificate of Deposit
$100
3.70% ▲ 0.74% above Wyoming avg
View
▼
Rate3.65%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.96%▲ 0.74% above avgNationally 2.80%
Details

Rate History
1 change since Sep 24, 2026 · 2.93% → 3.70% ▲ 0.77 pts · high 3.70% / low 2.93%
2.16%3.32%4.47%Sep 24, 2026: 2.93% APYOct 3, 2026: 3.70% APYSep 24, 2026Oct 14, 2026
  • Oct 3, 20263.70%▲ from 2.93%
  • Sep 24, 20262.93%first recorded
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
4 Year Certificate
$1,000
3.60% ▲ 0.64% above Wyoming avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average2.96%▲ 0.64% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 14, 2026
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
48 Month Certificates of Deposit
$500
3.60% ▲ 0.64% above Wyoming avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.96%▲ 0.64% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.60% ▲ 0.05 pts · high 3.60% / low 3.55%
3.05%3.57%4.10%Sep 14, 2026: 3.55% APYOct 1, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
  • Oct 1, 20263.60%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
4 Year Certificate
$250
3.39% ▲ 0.43% above Wyoming avg
View
▼
Rate3.35%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.96%▲ 0.43% above avgNationally 2.80%
Details

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

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

Rate History
No change since Oct 12, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 12, 2026: 3.35% APYOct 12, 2026Oct 14, 2026
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Business Certificate - 48 months
$500
3.35% ▲ 0.39% above Wyoming avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.96%▲ 0.39% above avgNationally 2.80%
Details

Rate History
No change since Oct 12, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 12, 2026: 3.35% APYOct 12, 2026Oct 14, 2026
Acpe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
Share Certificate - 48 Months
$250
3.35% ▲ 0.39% above Wyoming avg
View
▼
Rate3.30%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wyoming Average2.96%▲ 0.39% above avgNationally 2.80%
Details

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

1460 Days; Dividends Post Quarterly

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 8 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 14, 2026
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
IRA Certificates - 48 Month Certificate
$0
3.30% ▲ 0.34% above Wyoming avg
View
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.96%▲ 0.34% above avgNationally 2.80%
Details

Dividends Post Quarterly

Rate History
No change since Oct 14, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 14, 2026: 3.30% APYOct 14, 2026Oct 14, 2026
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
4 Year Certificate
$250
3.29% ▲ 0.33% above Wyoming avg
View
▼
Rate3.25%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.96%▲ 0.33% above avgNationally 2.80%
Details

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

Rate History
No change since Oct 6, 2026 · 3.20% APY · checked 3 times
2.70%3.20%3.70%Oct 6, 2026: 3.20% APYOct 6, 2026Oct 14, 2026
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Business 48 Month Certificate
$200
3.20% ▲ 0.24% above Wyoming avg
View
▼
Rate3.16%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.96%▲ 0.24% above avgNationally 2.80%
Details

Dividends Post Quarterly

Rate History
No change since Oct 14, 2026 · 3.20% APY
2.70%3.20%3.70%Oct 14, 2026: 3.20% APYOct 14, 2026Oct 14, 2026
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Business Certificates - 48 Month Certificate (1460 Days)
$200
3.20% ▲ 0.24% above Wyoming avg
View
▼
Rate3.16%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.96%▲ 0.24% above avgNationally 2.80%
Details

$200 Minimum; Dividends post quarterly

Rate History
No change since Oct 14, 2026 · 3.20% APY
2.70%3.20%3.70%Oct 14, 2026: 3.20% APYOct 14, 2026Oct 14, 2026
CAMPCO
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
Share Certificate - 48 Month
$0
2.99% ▲ 0.03% above Wyoming avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.96%▲ 0.03% above avgNationally 2.80%
Details

Share Certificate and IRA Rates

Rate History
1 change since Sep 14, 2026 · 2.85% → 2.99% ▲ 0.14 pts · high 2.99% / low 2.85%
2.35%2.92%3.49%Sep 14, 2026: 2.85% APYOct 6, 2026: 2.99% APYSep 14, 2026Oct 14, 2026
  • Oct 6, 20262.99%▲ from 2.85%
  • Sep 14, 20262.85%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
4-Year Certificate
$100,000
2.85% ▼ 0.11% below Wyoming avg
View
▼
Rate2.81%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.96%▼ 0.11% below avgNationally 2.80%
Details

Jumbo certificate; $100,000 min. deposit

Rate History
No change since Sep 18, 2026 · 2.85% APY · checked 8 times
2.35%2.85%3.35%Sep 18, 2026: 2.85% APYSep 18, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
4-Year IRA
$100,000
2.85% ▼ 0.11% below Wyoming avg
View
▼
Rate2.81%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.96%▼ 0.11% below avgNationally 2.80%
Details

Jumbo: $100,000 min. deposit; Dividend Rate 2.810%

Rate History
1 change since Sep 24, 2026 · 2.75% → 2.85% ▲ 0.10 pts · high 2.85% / low 2.75%
2.25%2.80%3.35%Sep 24, 2026: 2.75% APYOct 7, 2026: 2.85% APYSep 24, 2026Oct 14, 2026
  • Oct 7, 20262.85%▲ from 2.75%
  • Sep 24, 20262.75%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
4-Year Certificate
$50,000
2.80% ▼ 0.16% below Wyoming avg
View
▼
Rate2.77%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.96%▼ 0.16% below avgNationally 2.80%
Details

$50,000 min. deposit

Rate History
No change since Sep 18, 2026 · 2.80% APY · checked 8 times
2.30%2.80%3.30%Sep 18, 2026: 2.80% APYSep 18, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
4-Year IRA
$50,000
2.80% ▼ 0.16% below Wyoming avg
View
▼
Rate2.76%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.96%▼ 0.16% below avgNationally 2.80%
Details

$50,000 min. deposit tier

Rate History
1 change since Sep 24, 2026 · 2.75% → 2.80% ▲ 0.05 pts · high 2.80% / low 2.75%
2.25%2.78%3.30%Sep 24, 2026: 2.75% APYOct 7, 2026: 2.80% APYSep 24, 2026Oct 14, 2026
  • Oct 7, 20262.80%▲ from 2.75%
  • Sep 24, 20262.75%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
4-Year Certificate
$25,000
2.75% ▼ 0.21% below Wyoming avg
View
▼
Rate2.72%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.96%▼ 0.21% below avgNationally 2.80%
Details

$25,000 min. deposit

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 8 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
4-Year IRA
$25,000
2.75% ▼ 0.21% below Wyoming avg
View
▼
Rate2.71%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.96%▼ 0.21% below avgNationally 2.80%
Details

Fixed Rate Accounts; $25,000 min. deposit; Effective Date: 02/04/2026

Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 24, 2026: 2.75% APYSep 24, 2026Oct 14, 2026
Western Vista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
48 Month Share Certificate
$500
2.75% ▼ 0.21% below Wyoming avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.96%▼ 0.21% below avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 8, 2026: 2.75% APYOct 8, 2026Oct 14, 2026
Western Vista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
Traditional & ROTH IRA - 48 Mos.
$0
2.75% ▼ 0.21% below Wyoming avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.96%▼ 0.21% below avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 8, 2026: 2.75% APYOct 8, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
4-Year Certificate
$1,000
2.70% ▼ 0.26% below Wyoming avg
View
▼
Rate2.67%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.96%▼ 0.26% below avgNationally 2.80%
Details

Effective Date: 02/04/2026; Rates for California

Rate History
No change since Sep 18, 2026 · 2.70% APY · checked 8 times
2.20%2.70%3.20%Sep 18, 2026: 2.70% APYSep 18, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
4-Year IRA
$1,000
2.70% ▼ 0.26% below Wyoming avg
View
▼
Rate2.66%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.96%▼ 0.26% below avgNationally 2.80%
Details

IRA; Fixed Rate Accounts; Effective Date: 02/04/2026

Rate History
1 change since Sep 24, 2026 · 2.75% → 2.70% ▼ 0.05 pts · high 2.75% / low 2.70%
2.20%2.73%3.25%Sep 24, 2026: 2.75% APYOct 7, 2026: 2.70% APYSep 24, 2026Oct 14, 2026
  • Oct 7, 20262.70%▼ from 2.75%
  • Sep 24, 20262.75%first recorded
Security State Bank Basin, WY
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
48 Month CD
$1,000
2.53% ▼ 0.43% below Wyoming avg
View
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.96%▼ 0.43% below avgNationally 2.80%
Details

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

Early Withdrawal Penalty: 180 Days Interest

Rate History
No change since Sep 18, 2026 · 2.53% APY · checked 6 times
2.03%2.53%3.03%Sep 18, 2026: 2.53% APYSep 18, 2026Oct 14, 2026
Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
Share Certificates - 48 Month
$500
2.44% ▼ 0.52% below Wyoming avg
View
▼
Rate2.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.96%▼ 0.52% below avgNationally 2.80%
Details

Rate History
No change since Sep 12, 2026 · 2.44% APY · checked 5 times
1.94%2.44%2.94%Sep 12, 2026: 2.44% APYSep 12, 2026Oct 14, 2026
Hilltop National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
48 Month Certificate of Deposit
$1,000
1.97% ▼ 0.99% below Wyoming avg
View
▼
Rate1.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.96%▼ 0.99% below avgNationally 2.80%
Details

Balance: $50,000 +

Rate History
No change since Oct 14, 2026 · 1.97% APY
1.47%1.97%2.47%Oct 14, 2026: 1.97% APYOct 14, 2026Oct 14, 2026
Hilltop National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
48 Month Certificate of Deposit
$1,000
1.91% ▼ 1.05% below Wyoming avg
View
▼
Rate1.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.96%▼ 1.05% below avgNationally 2.80%
Details

Balance: $1,000- $49,999

Rate History
No change since Oct 14, 2026 · 1.91% APY
1.41%1.91%2.41%Oct 14, 2026: 1.91% APYOct 14, 2026Oct 14, 2026
First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
48-Month Certificate
$0
1.00% ▼ 1.96% below Wyoming avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average2.96%▼ 1.96% below avgNationally 2.80%
Details

Payment Frequency: quarterly

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

Individual Retirement Account Rates

Rate History
No change since Oct 12, 2026 · 1.00% APY
0.50%1.00%1.50%Oct 12, 2026: 1.00% APYOct 12, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
48 Month IRA Certificate of Deposit
$0
0.75% ▼ 2.21% below Wyoming avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.96%▼ 2.21% below avgNationally 2.80%
Details

Minimum Balance To Obtain APY: $1,000; rates based on zip code

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
48 Month Standard CD
$1,000
0.75% ▼ 2.21% below Wyoming avg
View
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.96%▼ 2.21% below avgNationally 2.80%
Details

Balance: up to $100,000.00; Rates for ZIP code 60603

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026

Thermopolis 60 Month CD Rates

Wyoming 60 Month CD Average3.15% APYNational 2.91%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Big Horn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
643 Broadway St, Thermopolis, WY 82443
5 year CD
$500
3.69% ▲ 0.54% above Wyoming avg
View
▼
Rate3.62%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average3.15%▲ 0.54% above avgNationally 2.91%
Details

Entire Balance

Rate History
No change since Sep 11, 2026 · 3.69% APY · checked 8 times
3.19%3.69%4.19%Sep 11, 2026: 3.69% APYSep 11, 2026Oct 14, 2026
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Share Certificates - 60 months
$0
4.50% ▲ 1.35% above Wyoming avg
View
▼
Rate4.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.15%▲ 1.35% above avgNationally 2.91%
Details

Rate History
No change since Oct 12, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 12, 2026: 4.50% APYOct 12, 2026Oct 14, 2026
Grand Altitude Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
Share & IRA Certificates - 60 Month
$0
3.95% ▲ 0.80% above Wyoming avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wyoming Average3.15%▲ 0.80% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 9, 2026: 3.95% APYOct 9, 2026Oct 14, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Business Certificates of Deposit - 60 Month
$0
3.90% ▲ 0.75% above Wyoming avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.15%▲ 0.75% above avgNationally 2.91%
Details

Balance: $1,000 or more

Rate History
1 change since Sep 18, 2026 · 3.51% → 3.90% ▲ 0.39 pts · high 3.90% / low 3.51%
3.01%3.71%4.40%Sep 18, 2026: 3.51% APYOct 14, 2026: 3.90% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20263.90%▲ from 3.51%
  • Sep 18, 20263.51%first recorded
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Certificates of Deposit - 60 Month
$0
3.90% ▲ 0.75% above Wyoming avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.15%▲ 0.75% above avgNationally 2.91%
Details

Balance: $1,000 or more

Rate History
1 change since Sep 18, 2026 · 3.51% → 3.90% ▲ 0.39 pts · high 3.90% / low 3.51%
3.01%3.71%4.40%Sep 18, 2026: 3.51% APYOct 14, 2026: 3.90% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20263.90%▲ from 3.51%
  • Sep 18, 20263.51%first recorded
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
CD's & IRA's Min. - 5 Year
$0
3.85% ▲ 0.70% above Wyoming avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average3.15%▲ 0.70% above avgNationally 2.91%
Details

Rate History
1 change since Sep 19, 2026 · 3.45% → 3.85% ▲ 0.40 pts · high 3.85% / low 3.45%
2.95%3.65%4.35%Sep 19, 2026: 3.45% APYSep 27, 2026: 3.85% APYSep 19, 2026Oct 14, 2026
  • Sep 27, 20263.85%▲ from 3.45%
  • Sep 19, 20263.45%first recorded
Uniwyo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
IRA and HSA Share Certificate - 5 Year IRA
$100
3.85% ▲ 0.70% above Wyoming avg
View
▼
Rate3.80%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.15%▲ 0.70% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 12, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 12, 2026: 3.85% APYOct 12, 2026Oct 14, 2026
Uniwyo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Share Certificate - 5 Year
$100
3.85% ▲ 0.70% above Wyoming avg
View
▼
Rate3.80%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.15%▲ 0.70% above avgNationally 2.91%
Details

Rate History
No change since Oct 12, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 12, 2026: 3.85% APYOct 12, 2026Oct 14, 2026
StagePoint Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
60 Month Share Certificate
$0
3.82% ▲ 0.67% above Wyoming avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.15%▲ 0.67% above avgNationally 2.91%
Details

Published rate range: As high as 3.75%.

Rate History
No change since Sep 25, 2026 · 3.82% APY · checked 4 times
3.32%3.82%4.32%Sep 25, 2026: 3.82% APYSep 25, 2026Oct 14, 2026
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
CD's & IRA's Min. - 5 Year
$0
3.75% ▲ 0.60% above Wyoming avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average3.15%▲ 0.60% above avgNationally 2.91%
Details

$25,000.00-$99,999.99

Rate History
1 change since Sep 19, 2026 · 3.35% → 3.75% ▲ 0.40 pts · high 3.75% / low 3.35%
2.85%3.55%4.25%Sep 19, 2026: 3.35% APYSep 27, 2026: 3.75% APYSep 19, 2026Oct 14, 2026
  • Sep 27, 20263.75%▲ from 3.35%
  • Sep 19, 20263.35%first recorded
FNB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
60 Month Certificate (5 Year)
$100
3.75% ▲ 0.60% above Wyoming avg
View
▼
Rate3.70%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.15%▲ 0.60% above avgNationally 2.91%
Details

Rate History
No change since Oct 8, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 8, 2026: 3.75% APYOct 8, 2026Oct 14, 2026
FNB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
60 Month Certificate of Deposit
$100
3.75% ▲ 0.60% above Wyoming avg
View
▼
Rate3.70%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.15%▲ 0.60% above avgNationally 2.91%
Details

Rate History
1 change since Sep 24, 2026 · 2.93% → 3.75% ▲ 0.82 pts · high 3.75% / low 2.93%
2.11%3.34%4.57%Sep 24, 2026: 2.93% APYOct 3, 2026: 3.75% APYSep 24, 2026Oct 14, 2026
  • Oct 3, 20263.75%▲ from 2.93%
  • Sep 24, 20262.93%first recorded
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
5 Year Certificate
$1,000
3.65% ▲ 0.50% above Wyoming avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average3.15%▲ 0.50% above avgNationally 2.91%
Details

Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Oct 14, 2026
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
5 Year Certificate
$250
3.65% ▲ 0.50% above Wyoming avg
View
▼
Rate3.60%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.15%▲ 0.50% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
60 Month Certificates of Deposit
$500
3.56% ▲ 0.41% above Wyoming avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.15%▲ 0.41% above avgNationally 2.91%
Details

Rate History
2 changes since Sep 14, 2026 · 3.50% → 3.56% ▲ 0.06 pts · high 3.56% / low 3.50%
3.00%3.53%4.06%Sep 14, 2026: 3.50% APYOct 1, 2026: 3.56% APYOct 6, 2026: 3.56% APYSep 14, 2026Oct 14, 2026
  • Oct 6, 20263.56%▼ from 3.56%
  • Oct 1, 20263.56%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
5 Year Certificate
$250
3.55% ▲ 0.40% above Wyoming avg
View
▼
Rate3.50%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.15%▲ 0.40% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
Acpe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
Share Certificate - 60 Months
$250
3.55% ▲ 0.40% above Wyoming avg
View
▼
Rate3.50%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Wyoming Average3.15%▲ 0.40% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.55% ▲ 0.15 pts · high 3.55% / low 3.40%
2.90%3.47%4.05%Sep 14, 2026: 3.40% APYOct 5, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20263.55%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
WyHy Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.60%
60 Month Jumbo Term Certificates & Jumbo IRA Term Certificates
$50,000
3.50% ▲ 0.35% above Wyoming avg
View
▼
Rate3.46%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.15%▲ 0.35% above avgNationally 2.91%
Details

Fixed rate for term, Quarterly Paid Interest

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 14, 2026
WyHy Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.60%
60 Month Term Certificates & IRA Term Certificates
$500
3.45% ▲ 0.30% above Wyoming avg
View
▼
Rate3.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.15%▲ 0.30% above avgNationally 2.91%
Details

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

Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Sep 18, 2026: 3.45% APYSep 18, 2026Oct 14, 2026
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
60 Month Certificates and IRA Share Certificates
$500
3.40% ▲ 0.25% above Wyoming avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.15%▲ 0.25% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 12, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 12, 2026: 3.40% APYOct 12, 2026Oct 14, 2026
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Business Certificate - 60 months
$500
3.40% ▲ 0.25% above Wyoming avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.15%▲ 0.25% above avgNationally 2.91%
Details

Rate History
No change since Oct 12, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 12, 2026: 3.40% APYOct 12, 2026Oct 14, 2026
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
60 Month Certificate
$0
3.35% ▲ 0.20% above Wyoming avg
View
▼
Rate3.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.15%▲ 0.20% above avgNationally 2.91%
Details

1825 Days; Dividends Post Quarterly

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 8 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 14, 2026
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
IRA Certificates - 60 Month Certificate
$0
3.35% ▲ 0.20% above Wyoming avg
View
▼
Rate3.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.15%▲ 0.20% above avgNationally 2.91%
Details

Dividends Post Quarterly

Rate History
No change since Oct 14, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 14, 2026: 3.35% APYOct 14, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
5-Year Certificate
$100,000
3.25% ▲ 0.10% above Wyoming avg
View
▼
Rate3.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.15%▲ 0.10% above avgNationally 2.91%
Details

Jumbo certificate; $100,000 min. deposit

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
5-Year IRA
$100,000
3.25% ▲ 0.10% above Wyoming avg
View
▼
Rate3.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.15%▲ 0.10% above avgNationally 2.91%
Details

$100,000 min. deposit (Jumbo)

Rate History
1 change since Sep 24, 2026 · 3.15% → 3.25% ▲ 0.10 pts · high 3.25% / low 3.15%
2.65%3.20%3.75%Sep 24, 2026: 3.15% APYOct 7, 2026: 3.25% APYSep 24, 2026Oct 14, 2026
  • Oct 7, 20263.25%▲ from 3.15%
  • Sep 24, 20263.15%first recorded
Sheridan Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
60 Month Certificate
$0
3.25% ▲ 0.10% above Wyoming avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.15%▲ 0.10% above avgNationally 2.91%
Details

Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 25, 2026: 3.25% APYSep 25, 2026Oct 14, 2026
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
60 Month Certificate
$200
3.25% ▲ 0.10% above Wyoming avg
View
▼
Rate3.21%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.15%▲ 0.10% above avgNationally 2.91%
Details

Rate History
No change since Oct 6, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Oct 6, 2026: 3.25% APYOct 6, 2026Oct 14, 2026
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Business 60 Month Certificate
$200
3.25% ▲ 0.10% above Wyoming avg
View
▼
Rate3.21%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.15%▲ 0.10% above avgNationally 2.91%
Details

Dividends Post Quarterly

Rate History
No change since Oct 14, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 14, 2026: 3.25% APYOct 14, 2026Oct 14, 2026
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Business Certificates - 60 Month Certificate (1825 Days)
$200
3.25% ▲ 0.10% above Wyoming avg
View
▼
Rate3.21%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.15%▲ 0.10% above avgNationally 2.91%
Details

$200 Minimum; Dividends post quarterly

Rate History
No change since Oct 14, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 14, 2026: 3.25% APYOct 14, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
5-Year Certificate
$50,000
3.20% ▲ 0.05% above Wyoming avg
View
▼
Rate3.15%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.15%▲ 0.05% above avgNationally 2.91%
Details

$50,000 min. deposit; Rates for California

Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 8 times
2.70%3.20%3.70%Sep 18, 2026: 3.20% APYSep 18, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
5-Year IRA
$50,000
3.20% ▲ 0.05% above Wyoming avg
View
▼
Rate3.15%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.15%▲ 0.05% above avgNationally 2.91%
Details

$50,000 min. deposit

Rate History
1 change since Sep 24, 2026 · 3.15% → 3.20% ▲ 0.05 pts · high 3.20% / low 3.15%
2.65%3.18%3.70%Sep 24, 2026: 3.15% APYOct 7, 2026: 3.20% APYSep 24, 2026Oct 14, 2026
  • Oct 7, 20263.20%▲ from 3.15%
  • Sep 24, 20263.15%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
5-Year Certificate
$25,000
3.15% At Wyoming avg
View
▼
Rate3.10%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.15%At the averageNationally 2.91%
Details

$25,000 min. deposit

Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 8 times
2.65%3.15%3.65%Sep 18, 2026: 3.15% APYSep 18, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
5-Year IRA
$25,000
3.15% At Wyoming avg
View
▼
Rate3.10%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.15%At the averageNationally 2.91%
Details

$25,000 min. deposit

Rate History
No change since Sep 24, 2026 · 3.15% APY · checked 7 times
2.65%3.15%3.65%Sep 24, 2026: 3.15% APYSep 24, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
5-Year Certificate
$1,000
3.10% ▼ 0.05% below Wyoming avg
View
▼
Rate3.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.15%▼ 0.05% below avgNationally 2.91%
Details

Rates for California; Effective Date: 02/04/2026

Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 8 times
2.60%3.10%3.60%Sep 18, 2026: 3.10% APYSep 18, 2026Oct 14, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
5-Year IRA
$1,000
3.10% ▼ 0.05% below Wyoming avg
View
▼
Rate3.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.15%▼ 0.05% below avgNationally 2.91%
Details

Effective Date: 02/04/2026; Rates for California

Rate History
1 change since Sep 24, 2026 · 3.15% → 3.10% ▼ 0.05 pts · high 3.15% / low 3.10%
2.60%3.13%3.65%Sep 24, 2026: 3.15% APYOct 7, 2026: 3.10% APYSep 24, 2026Oct 14, 2026
  • Oct 7, 20263.10%▼ from 3.15%
  • Sep 24, 20263.15%first recorded
CAMPCO
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
Share Certificate - 60 Month
$0
2.99% ▼ 0.16% below Wyoming avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.15%▼ 0.16% below avgNationally 2.91%
Details

Share Certificate and IRA Rates

Rate History
1 change since Sep 14, 2026 · 2.85% → 2.99% ▲ 0.14 pts · high 2.99% / low 2.85%
2.35%2.92%3.49%Sep 14, 2026: 2.85% APYOct 6, 2026: 2.99% APYSep 14, 2026Oct 14, 2026
  • Oct 6, 20262.99%▲ from 2.85%
  • Sep 14, 20262.85%first recorded
Western Vista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
60 Month Share Certificate
$500
2.75% ▼ 0.40% below Wyoming avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.15%▼ 0.40% below avgNationally 2.91%
Details

Rate History
No change since Oct 8, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 8, 2026: 2.75% APYOct 8, 2026Oct 14, 2026
Western Vista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
Traditional & ROTH IRA - 60 Mos.
$0
2.75% ▼ 0.40% below Wyoming avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.15%▼ 0.40% below avgNationally 2.91%
Details

Rate History
No change since Oct 8, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 8, 2026: 2.75% APYOct 8, 2026Oct 14, 2026
Sunlight Federal Credit Union
Institution Rating:
D3.2 ★Texas Ratio: 37.01%
5 Year Share Certificate
$500
2.53% ▼ 0.62% below Wyoming avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.15%▼ 0.62% below avgNationally 2.91%
Details

Early Withdrawal Penalty: 180 Days Interest

Rate History
No change since Sep 18, 2026 · 2.53% APY · checked 6 times
2.03%2.53%3.03%Sep 18, 2026: 2.53% APYSep 18, 2026Oct 14, 2026
Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
Share Certificates - 60 Month
$500
2.50% ▼ 0.65% below Wyoming avg
View
▼
Rate2.48%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.15%▼ 0.65% below avgNationally 2.91%
Details

Rate History
No change since Sep 12, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 12, 2026: 2.50% APYSep 12, 2026Oct 14, 2026
Security State Bank Basin, WY
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
60 Month CD
$1,000
2.43% ▼ 0.72% below Wyoming avg
View
▼
Rate2.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.15%▼ 0.72% below avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 2.43% APY · checked 7 times
1.93%2.43%2.93%Sep 14, 2026: 2.43% APYSep 14, 2026Oct 14, 2026
Hilltop National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
60 Month Certificate of Deposit
$1,000
2.12% ▼ 1.03% below Wyoming avg
View
▼
Rate2.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.15%▼ 1.03% below avgNationally 2.91%
Details

Balance: $50,000 +; 60 month CD has option to bump rate one time without changing maturity

Rate History
No change since Oct 14, 2026 · 2.12% APY
1.62%2.12%2.62%Oct 14, 2026: 2.12% APYOct 14, 2026Oct 14, 2026
Hilltop National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
60 Month Certificate of Deposit
$1,000
2.02% ▼ 1.13% below Wyoming avg
View
▼
Rate2.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.15%▼ 1.13% below avgNationally 2.91%
Details

Balance: $1,000- $49,999; 60 month CD has option to bump rate one time without changing maturity

Rate History
No change since Oct 14, 2026 · 2.02% APY
1.52%2.02%2.52%Oct 14, 2026: 2.02% APYOct 14, 2026Oct 14, 2026
First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
60-Month Certificate
$0
1.10% ▼ 2.05% below Wyoming avg
View
▼
Rate1.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.15%▼ 2.05% below avgNationally 2.91%
Details

Payment Frequency: quarterly

Rate History
No change since Sep 14, 2026 · 1.11% APY · checked 5 times
0.61%1.11%1.61%Sep 14, 2026: 1.11% APYSep 14, 2026Oct 14, 2026
First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
IRA 60-Month Certificate
$0
1.10% ▼ 2.05% below Wyoming avg
View
▼
Rate1.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Wyoming Average3.15%▼ 2.05% below avgNationally 2.91%
Details

Individual Retirement Account Rates

Rate History
No change since Oct 12, 2026 · 1.11% APY
0.61%1.11%1.61%Oct 12, 2026: 1.11% APYOct 12, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
60 Month IRA Certificate of Deposit
$0
0.75% ▼ 2.40% below Wyoming avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.15%▼ 2.40% below avgNationally 2.91%
Details

Minimum Balance To Obtain APY: $1,000; rates based on zip code

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
60 Month Standard CD
$1,000
0.75% ▼ 2.40% below Wyoming avg
View
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.15%▼ 2.40% below avgNationally 2.91%
Details

Balance: up to $100,000.00; Rates for ZIP code 60603

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

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

Top CD Rates from Thermopolis, Wyoming Institutions

Highest verified APYs available today, updated October 14, 2026

B Top 5 Bank Rates
Big Horn Federal Savings Bank
4 year CD
A+ 5.0 ★ TX: 2.85%
Min: $500
3.77%
Buffalo Federal Bank
24 Month CD
A+ 5.0 ★ TX: 5.57%
Min: $500
4.19%
FirsTier Bank
3 Month CD
F 2.0 ★ TX: 51.03%
Min: $0
4.14%
Bank of Star Valley
1 Year Certificate
A+ 5.0 ★ TX: 0.47%
Min: $250
3.91%
ANB Bank
Business Certificates of Deposit - 60 Month
A+ 5.0 ★ TX: 3.70%
Min: $0
3.90%
CU Top 5 Credit Union Rates
Advantage Plus Federal Credit Union
Share Certificates - 60 months
A+ 5.0 ★ TX: 3.01%
Min: $0
4.50%
Valley Financial Credit Union
24 Month Certificate
A+ 5.0 ★ TX: 1.69%
Min: $500
4.18%
StagePoint Federal Credit Union
6 Month Share Certificate
A+ 5.0 ★ TX: 1.25%
Min: $0
4.07%
CAMPCO
Share Certificate - 6 Month
A+ 5.0 ★ TX: 2.47%
Min: $0
4.05%
Sheridan Community Federal Credit Union
6 Month Certificate
A 5.0 ★ TX: 9.47%
Min: $0
4.00%
Rates verified October 14, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Thermopolis, WY CD Rate Trends

Compare local Thermopolis, 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.

View Full Wyoming CD Trends
12-Month CD WY Avg
3.300%
▲ 0.023 vs 7 days ago

Wyoming 12-month CD rates rose 0.023 points over the past 7 days to 3.300% APY.

6-Month CD WY Avg
3.188%
▲ 0.003 vs 7 days ago

Wyoming 6-month CD rates rose 0.003 points over the past 7 days to 3.188% APY.

As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions

WY CD Rate Forecast, Next 12 Months

Where are Wyoming CD rates headed through October 2027?

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

WY 12-Month Avg APY
3.300%
6-Month Forecast
3.300%
Range: 3.10%, 3.45%
12-Month Forecast
3.550%
Range: 3.35%, 3.70%

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

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

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

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

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What Your Savings Earn at WY CD Rates Today

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

CD Term WY Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 2.237% $111.86 $223.73 $559.32 $1,118.65
6-Month CD 3.188% $159.42 $318.84 $797.10 $1,594.20
12-Month CD 3.300% $165.02 $330.03 $825.07 $1,650.15
18-Month CD 2.985% $149.26 $298.51 $746.28 $1,492.55
24-Month CD 3.160% $158.00 $316.00 $790.00 $1,580.00
36-Month CD 3.030% $151.51 $303.02 $757.55 $1,515.10
48-Month CD 2.964% $148.20 $296.39 $740.98 $1,481.95
60-Month CD 3.152% $157.61 $315.21 $788.03 $1,576.05
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 14, 2026.
Powered byMonitorBankRates

Sample CD Ladder for Thermopolis, Wyoming Savers

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

Build Your Ladder
Rung Term Deposit WY Avg APY Annual Earnings
1 3-Month CD $5,000 2.237% $111.86
2 6-Month CD $5,000 3.188% $159.42
3 12-Month CD $5,000 3.300% $165.02
4 24-Month CD $5,000 3.160% $158.00
5 36-Month CD $5,000 3.030% $151.51
Total ($25,000 invested) $25,000 2.983% blended $745.81/yr

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

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374
CD Rates
Tracked in Thermopolis, Wyoming
11 Banks 18 Credit Unions

About Our Thermopolis, Wyoming CD Rate Database

MonitorBankRates tracks 374 CD rates from 11 banks and 18 credit unions with locations in Thermopolis, Wyoming, plus national online institutions available to Wyoming residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

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

Current top rate: Big Horn Federal Savings Bank offers a CD at 3.77% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Thermopolis, Wyoming.

How to Find the Best CD Rates in Thermopolis, Wyoming

What to compare when shopping for a CD in Thermopolis, Wyoming

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

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

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

When a CD Makes Sense in Thermopolis, 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 Thermopolis, Wyoming: 29 institutions here report CD rates

Consider an Alternative If…

Thermopolis, Wyoming Financial Snapshot

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

Population 65+
24.1%
National avg: 17.3%
Median Individual Earnings
$37,102
National avg: $47,340
Poverty Rate
18.6%
National avg: 11.1%
Unemployment Rate
1.1%
National avg: 4.8%
CD Earnings on 10% of Salary
$122/yr
At WY 12-mo avg 3.300% APY

24.1% of residents are 65 or older, above the national average of 17.3%, making fixed-rate CDs a particularly relevant savings vehicle in this market; a low unemployment rate of 1.1% reflects a strong local economy. At today’s WY 12-month CD average of 3.300%, saving 10% of the local median salary ($3,710/year) and putting it in a CD would earn an additional $122 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 Thermopolis, Wyoming

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

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

How Certificates of Deposit Work in Thermopolis, 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 Thermopolis, 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 Thermopolis, Wyoming as everywhere in the U.S.

Choosing a CD Term in Thermopolis, 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 Thermopolis, Wyoming savers easier access to their funds. For example, Big Horn Federal Savings Bank is offering its 6 month CD at 3.12% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Big Horn Federal Savings Bank is offering its 5 year CD at 3.69% 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 Thermopolis, 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 Thermopolis, 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 Thermopolis, 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 Thermopolis, 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 Thermopolis, Wyoming

Most CDs carry a fixed rate that is locked for the entire term, protecting a Thermopolis, 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 Thermopolis, Wyoming

Are CD rates in Thermopolis, Wyoming FDIC insured?

Yes, most established banks in Thermopolis, 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 Thermopolis, 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 Thermopolis, 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 Thermopolis, 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 Thermopolis, Wyoming?

Here are recent top rates found for this area:
  • Big Horn Federal Savings Bank: 3.77% APY (4 year CD)
  • Advantage Plus Federal Credit Union: 4.50% APY (Share Certificates - 60 months)
  • Buffalo Federal Bank: 4.19% APY (24 Month CD)
  • Valley Financial Credit Union: 4.18% APY (24 Month Certificate)
  • FirsTier Bank: 4.14% APY (3 Month CD)
  • StagePoint Federal Credit Union: 4.07% APY (6 Month Share Certificate)
  • CAMPCO: 4.05% APY (Share Certificate - 6 Month)
  • Sheridan Community Federal Credit Union: 4.00% APY (6 Month Certificate)
  • Grand Altitude Federal Credit Union: 3.95% APY (Share & IRA Certificates - 12 Month)
  • Bank of Star Valley: 3.91% APY (1 Year Certificate)
Rates reflect recent verified offers available in Thermopolis, Wyoming. Last Updated: October 14, 2026

Thermopolis, 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 Thermopolis, Wyoming rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

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

Top Thermopolis, Wyoming CD Rates by Term

Verified October 14, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Thermopolis, Wyoming. Averages shown use the Wyoming state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Thermopolis, Wyoming

Thermopolis, Wyoming CD Calculator

At today’s WY top rate of 3.77% APY, a $10,000 deposit earns $377 in the first year. Enter your amount to see your exact return.

Thermopolis, Wyoming CD Ladder

WY CD rates currently range from 2.237% (3-month) to 3.030% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Thermopolis, Wyoming CD at 3.77% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Wyoming’s average 12-month CD is 3.300% 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 Thermopolis, 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 Thermopolis, 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 Thermopolis, Wyoming. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in WY.

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

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 14, 2026

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