What are the current interest rates at Wyoming Community Bank?

Current rates for Wyoming Community Bank include: 12-Month CD: 3.45%, 24-Month CD: 3.50%, 36-Month CD: 3.55%, 48-Month CD: 3.60%, 60-Month CD: 3.65%, Savings: 1.06%, MMA: 1.56%

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Wyoming Community Bank

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Wyoming Community Bank Rates & Review October 2026

Q: What CD terms does Wyoming Community Bank offer?

Wyoming Community Bank CD rates are 3.45% APY for a 12 month CD, 3.50% APY for a 2 year CD, 3.75% APY for a 3 year CD, 3.80% APY for a 4 year CD and 3.85% APY for a 5 year CD, verified by MonitorBankRates as of October 31, 2026. The institution may offer other terms or specials that are not listed here, so check with Wyoming Community Bank for its full lineup.

Q: How many branches does Wyoming Community Bank operate?

Wyoming Community Bank currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Wyoming Community Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 31, 2026

Wyoming Community Bank's 5 Year CDs and IRAs rates are at 3.85%, CD's & IRA's - 5 Year rates are at 3.85%, 4 Year CDs and IRAs rates are at 3.80%, CD's & IRA's - 4 Year rates are at 3.80%, 3 Year CDs and IRAs rates are at 3.75%. Wyoming Community Bank's savings rates are at 1.06%. Wyoming Community Bank's money market rates are at 1.56%. Wyoming Community Bank's checking rates are as high as 3.03%. Wyoming Community Bank's CD rates are 33% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Wyoming Community Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.85%. Rates last updated and verified on 10/31/2026.

Wyoming Community Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Wyoming Community Bank? Share your experience about Wyoming Community Bank by leaving a review below, or read customer reviews before you decide to use Wyoming Community Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.85%

Excellent Equal to avg

Health Trend

Steady 12 quarters

Full history ›

Wyoming Community Bank

1700 N Federal Blvd
Riverton, WY 82501

https://www.wyocb.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Wyoming Community Bank CD Rates

Product	Rate	APY	Term
5 Year CDs and IRAs	3.85%	3.85%	5 Year
Min Balance $100,000 Details Penalties may apply for early withdrawal Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
CD's & IRA's - 5 Year	3.85%	3.85%	5 Year
Min Balance $100,000 Details Balance: $100,000.00 minimum; penalties may apply for early withdrawal Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 3.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
4 Year CDs and IRAs	3.80%	3.80%	4 Year
Min Balance $100,000 Details Penalties may apply for early withdrawal Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
CD's & IRA's - 4 Year	3.80%	3.80%	4 Year
Min Balance $100,000 Details Balance: $100,000.00 minimum; penalties may apply for early withdrawal Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 3.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
3 Year CDs and IRAs	3.75%	3.75%	3 Year
Min Balance $100,000 Details Penalties may apply for early withdrawal Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
5 Year CD's & IRA's	3.75%	3.75%	5 Year
Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99; penalties may apply for early withdraw Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
CD's & IRA's - 3 Year	3.75%	3.75%	3 Year
Min Balance $100,000 Details Balance: $100,000.00 minimum; penalties may apply for early withdrawal Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
2 Year CDs and IRAs	3.70%	3.70%	2 Year
Min Balance $100,000 Details Penalties may apply for early withdrawal Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
4 Year CD's & IRA's	3.70%	3.70%	4 Year
Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99; penalties may apply for early withdraw Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
CD's & IRA's - 2 Year	3.70%	3.70%	2 Year
Min Balance $100,000 Details Balance: $100,000.00 minimum; penalties may apply for early withdrawal Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
1 Year CDs and IRAs	3.65%	3.65%	1 Year
Min Balance $100,000 Details Penalties may apply for early withdrawal Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
3 Year CD's & IRA's	3.65%	3.65%	3 Year
Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99; penalties may apply for early withdraw Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
5 Year CD	3.65%	3.65%	5 Year
Min Balance $1,000 Details Balance: $1,000 - $25,000; penalties may apply for early withdrawal Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 3.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
CD's & IRA's - 1 Year	3.65%	3.65%	1 Year
Min Balance $100,000 Details Balance: $100,000.00 minimum; penalties may apply for early withdrawal Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 3.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
CDs and IRAs - 5 Year	3.65%	3.65%	5 Year
Min Balance $1,000 Details $1,000-$25,000; Balance: $1,000.00 - $25,000.00; penalties may apply for early withdrawal Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
2 Year CD's & IRA's	3.60%	3.60%	2 Year
Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99; penalties may apply for early withdraw Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
4 Year CD	3.60%	3.60%	4 Year
Min Balance $1,000 Details Balance: $1,000 - $25,000; penalties may apply for early withdrawal Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 3.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
CDs and IRAs - 4 Year	3.60%	3.60%	4 Year
Min Balance $1,000 Details $1,000-$25,000; Balance: $1,000.00 - $25,000.00; penalties may apply for early withdrawal Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
6 Month CDs and IRAs	3.55%	3.58%	6 months
Min Balance $100,000 Details Penalties may apply for early withdrawal Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.58% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
CD's & IRA's - 6 month	3.55%	3.58%	6 months
Min Balance $100,000 Details Balance: $100,000.00 minimum; penalties may apply for early withdrawal Last Updated 10/31/2026 Rate History 1 change since Oct 14, 2026 · 3.48% → 3.58% ▲ 0.10 pts · high 3.58% / low 3.48% Oct 20, 20263.58%▲ from 3.48% Oct 14, 20263.48%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
1 Year CD's & IRA's	3.55%	3.55%	1 Year
Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99; penalties may apply for early withdraw Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
3 Year CD	3.55%	3.55%	3 Year
Min Balance $1,000 Details Balance: $1,000 - $25,000; penalties may apply for early withdrawal Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 3.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
CDs and IRAs - 3 Year	3.55%	3.55%	3 Year
Min Balance $1,000 Details $1,000-$25,000; Balance: $1,000.00 - $25,000.00; penalties may apply for early withdrawal Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
2 Year CD	3.50%	3.50%	2 Year
Min Balance $1,000 Details Balance: $1,000 - $25,000; penalties may apply for early withdrawal Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
CDs and IRAs - 2 Year	3.50%	3.50%	2 Year
Min Balance $1,000 Details $1,000-$25,000; Balance: $1,000.00 - $25,000.00; penalties may apply for early withdrawal Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
6 Month CD's & IRA's	3.45%	3.48%	6 months
Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99; penalties may apply for early withdraw Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.48% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
1 Year CD	3.45%	3.45%	1 Year
Min Balance $1,000 Details Balance: $1,000 - $25,000; penalties may apply for early withdrawal Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 3.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
CDs and IRAs - 1 Year	3.45%	3.45%	1 Year
Min Balance $1,000 Details $1,000-$25,000; Balance: $1,000.00 - $25,000.00; penalties may apply for early withdrawal Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
6 Month CD	3.35%	3.38%	6 months
Min Balance $1,000 Details Balance: $1,000 - $25,000; penalties may apply for early withdrawal Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 3.38% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
CDs and IRAs - 6 month	3.35%	3.38%	6 months
Min Balance $1,000 Details $1,000-$25,000; Balance: $1,000.00 - $25,000.00; penalties may apply for early withdrawal Last Updated 10/31/2026 Rate History 1 change since Sep 19, 2026 · 3.12% → 3.38% ▲ 0.26 pts · high 3.38% / low 3.12% Sep 27, 20263.38%▲ from 3.12% Sep 19, 20263.12%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
3 Month CDs and IRAs	3.25%	3.29%	3 months
Min Balance $100,000 Details Penalties may apply for early withdrawal Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.29% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
CD's & IRA's - 3 month	3.25%	3.29%	3 months
Min Balance $100,000 Details Balance: $100,000.00 minimum; penalties may apply for early withdrawal Last Updated 10/31/2026 Rate History 1 change since Oct 14, 2026 · 3.19% → 3.29% ▲ 0.10 pts · high 3.29% / low 3.19% Oct 20, 20263.29%▲ from 3.19% Oct 14, 20263.19%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
3 Month CD's & IRA's	3.15%	3.19%	3 months
Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99; penalties may apply for early withdraw Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.19% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
3 Month CD	3.05%	3.09%	3 months
Min Balance $1,000 Details Balance: $1,000 - $25,000; penalties may apply for early withdrawal Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 3.09% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
CDs and IRAs - 3 month	3.05%	3.09%	3 months
Min Balance $1,000 Details $1,000-$25,000; Balance: $1,000.00 - $25,000.00; penalties may apply for early withdrawal Last Updated 10/31/2026 Rate History 1 change since Sep 19, 2026 · 2.83% → 3.09% ▲ 0.26 pts · high 3.09% / low 2.83% Sep 27, 20263.09%▲ from 2.83% Sep 19, 20262.83%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
CD's & IRA's - Less than 90 days	2.05%	2.07%	Less than 90 days
Min Balance $100,000 Details Balance: $100,000.00 minimum; penalties may apply for early withdrawal Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 2.07% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
Less than 90 days CDs and IRAs	2.05%	2.07%	Less than 90 days
Min Balance $100,000 Details Penalties may apply for early withdrawal Last Updated 10/31/2026 Rate History No change since Oct 31, 2026 · 2.07% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
Less than 90 days CD's & IRA's	1.95%	1.97%	Less than 90 days
Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99; penalties may apply for early withdraw Last Updated 10/31/2026 Rate History No change since Oct 31, 2026 · 1.97% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
Less than 90 days CD	1.85%	1.87%	Less than 90 days
Min Balance $1,000 Details Balance: $1,000 - $25,000; penalties may apply for early withdrawal Last Updated 10/31/2026 Rate History No change since Oct 31, 2026 · 1.87% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
CDs and IRAs - Less than 90 days	1.85%	1.87%	Less than 90 days
Min Balance $1,000 Details $1,000-$25,000; Balance: $1,000.00 - $25,000.00; penalties may apply for early withdrawal Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 1.87% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%

Wyoming Community Bank Savings Rates

Product	Rate	APY
Health Savings Account	1.05%	1.06%
No additional details. Last Updated 10/31/2026 Rate History No change since Sep 11, 2026 · 1.06% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
Savings	0.60%	0.60%
Min Balance $50,000 Details Balance: $50,000 and above Last Updated 10/31/2026 Rate History No change since Sep 27, 2026 · 0.60% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
Savings	0.50%	0.50%
Min Balance $25,000 Details Balance: $25,000-$50,000 Last Updated 10/31/2026 Rate History No change since Sep 27, 2026 · 0.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
Savings	0.40%	0.40%
Min Balance $0 Details Balance: $0-$25,000 Last Updated 10/31/2026 Rate History No change since Sep 27, 2026 · 0.40% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%

Wyoming Community Bank Money Market Rates

Product	Rate	APY
Money Market Account	1.55%	1.56%
Min Balance $250,000 Details Balance: $250,000 and Over Last Updated 10/31/2026 Rate History No change since Oct 3, 2026 · 1.56% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
Money Market Account	1.45%	1.46%
Min Balance $100,000 Details Balance: $100,000 to 250,000 Last Updated 10/31/2026 Rate History No change since Oct 3, 2026 · 1.46% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
Money Market Account	1.35%	1.36%
Min Balance $50,000 Details Balance: $50,000 to 100,000 Last Updated 10/31/2026 Rate History No change since Oct 3, 2026 · 1.36% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
Money Market Account	1.25%	1.26%
Min Balance $25,000 Details Balance: $25,000 to $50,000 Last Updated 10/31/2026 Rate History No change since Oct 3, 2026 · 1.26% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
Money Market Account	1.15%	1.16%
Min Balance $0 Details Balance: $.01- $25,000 Last Updated 10/31/2026 Rate History No change since Oct 3, 2026 · 1.16% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%

Wyoming Community Bank Checking Rates

Product	Rate	APY
Reward Checking	2.99%	3.03%
Min Balance $0 Details Balance: $.01- $25,000; Qualifying balance up to $25,000.00; Account terms must be met, if not APY of 0.1% Last Updated 10/31/2026 Rate History No change since Sep 27, 2026 · 3.03% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
Rewards Checking	-	3.03%
Min Balance $0 Details Qualifications Required; Balance: $0.01 - $25,000.00; Paper statements $2.50 a month; up to $25.00 ATM Fee Refunds per statement cycle if qualifications are met; APYs effective as of 12/20/24 Last Updated 10/31/2026 Rate History No change since Sep 11, 2026 · 3.03% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
WCB Interest Checking	0.40%	0.40%
Min Balance $50,000 Details Balance: $50,000 and above Last Updated 10/31/2026 Rate History No change since Sep 27, 2026 · 0.40% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
WCB Interest Checking	0.30%	0.30%
Min Balance $25,000 Details Balance: $25,000-$50,000 Last Updated 10/31/2026 Rate History No change since Sep 27, 2026 · 0.30% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
WCB Interest Checking	0.20%	0.20%
Min Balance $0 Details Balance: $0-$25,000 Last Updated 10/31/2026 Rate History No change since Sep 27, 2026 · 0.20% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%

Wyoming Community Bank Business Checking Rates

Product	Rate	APY
Business Interest Checking	0.40%	0.40%
Min Balance $50,000 Details Balance: $50,000 and above Last Updated 10/31/2026 Rate History No change since Sep 27, 2026 · 0.40% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
Business Interest Checking	0.30%	0.30%
Min Balance $25,000 Details Balance: $25,000-$50,000 Last Updated 10/31/2026 Rate History No change since Sep 27, 2026 · 0.30% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%
Business Interest Checking	0.20%	0.20%
Min Balance $0 Details Balance: $0-$25,000 Last Updated 10/31/2026 Rate History No change since Sep 27, 2026 · 0.20% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.85%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Wyoming Community Bank’s Texas Ratio rose from 2.29% in Q3 2023 to 5.85% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 3.7 to 5.0 and its Health Grade from B to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$262M	5.85%	5.0	A+
March 31, 2026	$257M	6.51%	5.0	A
December 31, 2025	$255M	6.05%	5.0	A
September 30, 2025	$252M	1.47%	5.0	A+
June 30, 2025	$246M	1.64%	5.0	A+
March 31, 2025	$245M	0.29%	5.0	A+
December 31, 2024	$236M	0.00%	4.6	A
September 30, 2024	$235M	0.18%	5.0	A+
June 30, 2024	$234M	0.21%	4.7	A
March 31, 2024	$230M	0.42%	4.7	A
December 31, 2023	$222M	1.31%	5.0	A+
September 30, 2023	$231M	2.29%	3.7	B

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Wyoming Community Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Wyoming Community Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Wyoming Community Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Wyoming Community Bank

Website https://www.wyocb.com

Address 1700 N Federal Blvd, Riverton, WY 82501 · Fremont

Bank Holding Company WYOMING NATIONAL BCORP INC

FDIC Certificate # 35220

Regulator FED

Established June 14, 1999

FDIC Insurance Date June 14, 1999

Domestic Offices 3

Total Branches 3

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.85%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.5472%

Return on Equity (ROE)

19.6000%

Non-Performing Loans Ratio (NPL)

0.20%

Total Assets

$262,448,000

Total Deposits

$234,325,000

Equity Capital

$20,952,000

Net Income

$1,997,000

Headquarters

Riverton

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Wyoming Community Bank earned the Verified Healthy badge

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Frequently Asked Questions About Wyoming Community Bank

Does Wyoming Community Bank offer CDs?

Yes. Wyoming Community Bank current CD rates include its 5 Year CDs and IRAs at 3.85% APY, its CD's & IRA's - 5 Year at 3.85% APY and its 4 Year CDs and IRAs at 3.80% APY, verified by MonitorBankRates as of October 31, 2026.

Are CDs from Wyoming Community Bank FDIC insured?

Yes. Wyoming Community Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Wyoming Community Bank?

The highest Wyoming Community Bank CD rate is its 5 Year CDs and IRAs at 3.85% APY, verified by MonitorBankRates as of October 31, 2026.

What CD terms does Wyoming Community Bank offer?

Wyoming Community Bank CD rates are 3.45% APY for a 12 month CD, 3.50% APY for a 2 year CD, 3.75% APY for a 3 year CD, 3.80% APY for a 4 year CD and 3.85% APY for a 5 year CD, verified by MonitorBankRates as of October 31, 2026. The institution may offer other terms or specials that are not listed here, so check with Wyoming Community Bank for its full lineup.

What is the highest savings rate at Wyoming Community Bank?

The highest Wyoming Community Bank savings rate is its Health Savings Account at 1.06% APY, verified by MonitorBankRates as of October 31, 2026.

What is the highest money market rate at Wyoming Community Bank?

The highest Wyoming Community Bank money market rate is its Money Market Account at 1.56% APY, verified by MonitorBankRates as of October 31, 2026.

What is the highest checking rate at Wyoming Community Bank?

The highest Wyoming Community Bank checking rate is its Reward Checking at 3.03% APY, verified by MonitorBankRates as of October 31, 2026.

How many branches does Wyoming Community Bank operate?

Wyoming Community Bank currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Wyoming Community Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Wyoming Community Bank provides members with tools to manage their accounts and build a solid financial history.

Does Wyoming Community Bank offer online and mobile banking?

Most modern institutions like Wyoming Community Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.wyocb.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Wyoming Community Bank rates compare?

Wyoming Community Bank's CD rates are 33% higher than the MonitorBankRates national average, and it has an A+ health rating. Wyoming Community Bank's top rates are its 5 Year CDs and IRAs at 3.85% APY, its Health Savings Account at 1.06% APY, its Money Market Account at 1.56% APY and its Reward Checking at 3.03% APY, verified by MonitorBankRates on October 31, 2026.

Current Wyoming Community Bank Rates

12-Month CD3.45%
24-Month CD3.50%
36-Month CD3.55%
48-Month CD3.60%
60-Month CD3.65%
Savings1.06%
MMA1.56%

Retrieved from our database of financial products. Rates subject to change.

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Wyoming Community Bank Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Wyoming Community Bank Texas Ratio

Wyoming Community Bank Health Trend

Wyoming Community Bank CD Rates

Wyoming Community Bank Savings Rates

Wyoming Community Bank Money Market Rates

Wyoming Community Bank Checking Rates

Wyoming Community Bank Business Checking Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Wyoming Community Bank earned the Verified Healthy badge

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Frequently Asked Questions About Wyoming Community Bank

Does Wyoming Community Bank offer CDs?

Are CDs from Wyoming Community Bank FDIC insured?

What is the highest CD rate at Wyoming Community Bank?

What CD terms does Wyoming Community Bank offer?

What is the highest savings rate at Wyoming Community Bank?

What is the highest money market rate at Wyoming Community Bank?

What is the highest checking rate at Wyoming Community Bank?

How many branches does Wyoming Community Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Wyoming Community Bank offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Wyoming Community Bank rates compare?

Current Wyoming Community Bank Rates

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