Rawlins, Wyoming (WY) Savings Rates - April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
The best savings rates for Rawlins, Wyoming and the surrounding area include Meridian Trust Federal Credit UnionMeridian Trust Federal Credit Union1817 Mahoney St, Rawlins, WY 82301 5954A+5.0 ★Texas Ratio: 3.55%Real return: -2.75%APY minus 2.8% CPI (February 2026) Business Savings Accounts at 0.05% APY, Blue Federal Credit UnionBlue Federal Credit UnionA5.0 ★Texas Ratio: 13.48%Real return: +2.20%APY minus 2.8% CPI (February 2026) Accelerated Savings at 5.00% APY, Security State Bank Basin, WYSecurity State Bank Basin, WYA+5.0 ★Texas Ratio: 1.64%Real return: -0.30%APY minus 2.8% CPI (February 2026) Christmas Savings at 2.50% APY, Western Vista Federal Credit UnionWestern Vista Federal Credit UnionA5.0 ★Texas Ratio: 7.81%Real return: -1.05%APY minus 2.8% CPI (February 2026) Liquid Gold Savings at 1.75% APY, and Wyoming Community BankWyoming Community BankA+5.0 ★Texas Ratio: 2.29%Real return: -1.74%APY minus 2.8% CPI (February 2026) Health Savings Account at 1.06% APY.
Rawlins has 5 local institutions in our database, with savings rates as high as 0.05% APY from Meridian Trust Federal Credit Union at 1817 Mahoney St, Rawlins, WY 82301 5954. Use the table below to compare all available offers, including options from institutions serving the broader Wyoming area. Rates are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Rawlins, Wyoming and the surrounding area. Last Updated and Verified: April 19, 2026
Compare the Best Savings Rates in Rawlins, Wyoming & Surrounding Communities
Up to
Max. $10,000.00
Max. $8,000.00
Max. $8,000.00
$0 - $25,000
$50,000 and above
$25,000-$50,000
$0-$25,000
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Rawlins, WY Savings Rate Trends
Compare local Rawlins, WY savings rate quotes against the statewide average
Daily savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Wyoming high-yield savings rates rose 0.057 points over the past 7 days to 2.059% APY, up from 2.002%.
Wyoming standard savings rates fell 0.050 points over the past 7 days to 0.524% APY, down from 0.574%.
Rawlins, Wyoming Savings Rate Forecast — Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current WY high-yield average and a Fed funds spread to project the likely rate trajectory for 2026–2027.
Savings account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current WY high-yield savings average of 2.059% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: 1–2 Federal Reserve rate cuts of 25 basis points each over the next 12 months, based on current CME FedWatch consensus; savings institutions typically pass through 70–90% of rate cuts to deposit rates within 60–90 days. High-yield online savings rates tend to adjust faster than standard branch-based savings rates.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Rawlins, Wyoming.
Savings Account Earnings in Rawlins, Wyoming
Annual interest earnings at current WY average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (2.059% APY) | Monthly Earnings | Standard Savings (0.524% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $102.97 / year | $8.58 | $26.20 / year | $2.18 |
| $10,000 | $205.94 / year | $17.16 | $52.39 / year | $4.37 |
| $25,000 | $514.85 / year | $42.90 | $130.98 / year | $10.92 |
| $50,000 | $1,029.70 / year | $85.81 | $261.95 / year | $21.83 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, and daily balance maintained. Rates are variable and subject to change. Source: Rawlins, Wyoming savings rate averages as of April 21, 2026. | ||||
About Our Rawlins, Wyoming Savings Rate Database
MonitorBankRates found 1 institution with branches in Rawlins, plus 16 additional state-chartered and national online institutions available to Rawlins residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Meridian Trust Federal Credit Union offers a savings account at 0.05% APY with a minimum deposit of $10. Use the rate table above to compare all current offers in Rawlins, Wyoming.
How to Find the Best Savings Rates in Rawlins, Wyoming
What to compare when shopping for a savings account in Rawlins, Wyoming
To find the best savings APYs in Rawlins, Wyoming, start with credit unions and online-only banks — Rawlins, Wyoming has 11 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate. APY reflects compounding and is the true measure of what you’ll earn. Savings accounts that compound daily earn slightly more than those compounding monthly at the same stated rate. The current WY high-yield savings average is 2.059% — use the table above to find the best available offer.
Unlike a CD, savings account rates are variable — your rate can change at any time with Federal Reserve policy. Many institutions offer elevated introductory rates that reset after a promotional period. Review your account periodically to ensure your APY remains competitive.
When a High-Yield Savings Account Makes Sense
- Emergency fund: Financial experts recommend 3–6 months of expenses in a liquid, FDIC-insured account. Rawlins, Wyoming high-yield savings rates currently average 2.059% APY — far above a typical checking account.
- Short-term savings goals (6–24 months): If you may need the money soon, a savings account gives you immediate access without early withdrawal penalties.
- Parking cash between investments: A high-yield savings account at Rawlins, Wyoming institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally — 17 institutions in Rawlins, Wyoming report savings rates to our database.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return → Rawlins, Wyoming CD rates
- You want check-writing flexibility → Rawlins, Wyoming money market rates
- You need daily transaction access → Rawlins, Wyoming checking rates
Rawlins, Wyoming Financial Snapshot
Local demographics and economic context for savers — Source: U.S. Census Bureau
17.4% of residents are 65 or older, in line with the national average of 17.3%; an unemployment rate of 7.0% (vs. 4.8% nationally) underscores the value of keeping liquid emergency savings. At today’s WY high-yield savings average of 2.059%, saving 10% of the local median salary ($4,096/year) would earn an additional $84 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Rawlins, Wyoming Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Rawlins, Wyoming.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current WY Avg APY | 2.059% | 0.524% | View MMA Rates | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✗ No | ✗ No | ✓ Often yes | ✗ No |
| Debit / ATM Card | Some institutions | ✗ Rarely | ✓ Often yes | ✗ No |
| Typical Min Deposit | $0 – $100 | $25 – $100 | $0 – $2,500 | $500 – $1,000 |
| Rate Risk | Rate may fall with Fed cuts | Rate may fall with Fed cuts | Rate may fall with Fed cuts | None — locked for term |
| Best For | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Active savers wanting flexibility + check writing | Locking in a rate for a defined period |
APY data reflects Rawlins, Wyoming averages tracked in our database as of April 21, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Rawlins, Wyoming
At WY’s top rate of 0.05% from Meridian Trust Federal Credit Union, a $10,000 deposit earns $5 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Rawlins, Wyoming earner is roughly $10,200. At 2.059% APY, saving $850/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsWyoming’s high-yield savings average is 2.059% APY — variable and always accessible. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Rawlins, Wyoming earner makes $40,964/year. Track your income vs. expenses to find your monthly surplus — then put it to work at 2.059% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 2.059% APY grows to roughly $37,584 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Rawlins, Wyoming directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every savings rate displayed 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 Rawlins, Wyoming. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in WY.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Rawlins, Wyoming
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Rawlins, Wyoming safe?
How often do savings rates change in Rawlins, Wyoming?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Rawlins, Wyoming?
How do I open a savings account in Rawlins, Wyoming?
Best Savings Rates in Rawlins, Wyoming
- Meridian Trust Federal Credit Union
Business Savings Accounts — 0.05% APY - Blue Federal Credit Union
Accelerated Savings — 5.00% APY - Security State Bank Basin, WY
Christmas Savings — 2.50% APY - Western Vista Federal Credit Union
Liquid Gold Savings — 1.75% APY - Wyoming Community Bank
Health Savings Account — 1.06% APY
