CD Rates Wyoming (WY) for April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Wyoming CD rates include Valley Financial Credit UnionValley Financial Credit Union1902 Cougar Ave, Cody, WY 82414A+5.0 ★Texas Ratio: 2.09%Real return: +3.37%APY minus CPI (February 2026) offering 12 Month Youth Certificate at 6.17% APY, Bank of Star ValleyBank of Star Valley384 S Washington St, Afton, WY 83110A+5.0 ★Texas Ratio: 0.01%Real return: +1.11%APY minus CPI (February 2026) offering 1 Year Certificate at 3.91% APY, TRONA VALLEY COMMUNITYTRONA VALLEY COMMUNITY840 Hitching Post Dr, Green River, WY 82935 5554A+5.0 ★Texas Ratio: 0.00%Real return: +1.05%APY minus CPI (February 2026) offering 3 Month Business Certificate at 3.85% APY, Advantage Plus Federal Credit UnionAdvantage Plus Federal Credit Union485 S Washington St, Afton, WY 83110A+5.0 ★Texas Ratio: 3.63%Real return: +0.95%APY minus CPI (February 2026) offering Share Certificates 12 Months at 3.75% APY, and CAMPCOCAMPCO101 Ranch Dr, Wright, WY 82732A+5.0 ★Texas Ratio: 0.79%Real return: +0.95%APY minus CPI (February 2026) offering Share Certificate - 6 Month at 3.75% APY. CD rates as of April 21, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in Wyoming side-by-side. Wyoming CD rates currently reach as high as 6.17% APY from Valley Financial Credit Union at 1902 Cougar Ave, Cody, WY 82414. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 21, 2026
Compare Best CD Rates in Wyoming
Early withdrawal penalties may apply
Early withdrawal penalties may apply
Dividends Post Quarterly
$100,000.00
You may step up your rate one time to the current rate of the equivalent term. Certificate will automatically renew to a fixed rate CD of the equivalent term with the current rate at renewal.
Early withdrawal penalties may apply
Dividends Post Quarterly
Dividends Post Quarterly
$100,000.00
You may step up your rate one time to the current rate of the equivalent term. Certificate will automatically renew to a fixed rate CD of the equivalent term with the current rate at renewal.
Dividends Post Quarterly
$100,000.00
Dividends Post Quarterly
$100,000.00
Dividends Post Quarterly
$100,000.00
You may step up your rate one time to the current rate of the equivalent term. Certificate will automatically renew to a fixed rate CD of the equivalent term with the current rate at renewal.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Wyoming CD Rate Trends
Compare local Wyoming CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Wyoming 12-month CD rates fell 0.138 points over the past 7 days to 3.086% APY.
Wyoming 6-month CD rates fell 0.271 points over the past 7 days to 2.682% APY.
WY CD Rate Forecast — Next 12 Months
Where are Wyoming CD rates headed through April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
What Your Savings Earn at WY CD Rates Today
Annual interest earnings at today’s Wyoming average APYs. State average used where available; national average as fallback.
| CD Term | WY Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.929% | $96.44 | $192.88 | $482.20 | $964.40 |
| 6-Month CD | 2.682% | $134.12 | $268.24 | $670.60 | $1,341.20 |
| 12-Month CD | 3.086% | $154.32 | $308.64 | $771.60 | $1,543.20 |
| 18-Month CD | 3.159% | $157.93 | $315.85 | $789.63 | $1,579.25 |
| 24-Month CD | 3.068% | $153.42 | $306.83 | $767.08 | $1,534.15 |
| 36-Month CD | 2.946% | $147.32 | $294.63 | $736.58 | $1,473.15 |
| 48-Month CD | 2.991% | $149.55 | $299.10 | $747.75 | $1,495.50 |
| 60-Month CD | 3.097% | $154.87 | $309.73 | $774.33 | $1,548.65 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 21, 2026. | |||||
Sample CD Ladder for Wyoming Savers
$25,000 split equally across 5 terms using today’s Wyoming average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | WY Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.929% | $96.44 |
| 2 | 6-Month CD | $5,000 | 2.682% | $134.12 |
| 3 | 12-Month CD | $5,000 | 3.086% | $154.32 |
| 4 | 24-Month CD | $5,000 | 3.068% | $153.42 |
| 5 | 36-Month CD | $5,000 | 2.946% | $147.32 |
| Total ($25,000 invested) | $25,000 | 2.742% blended | $685.62/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.
in Wyoming
About Our Wyoming CD Rate Database
MonitorBankRates tracks CD rates from 9 banks and 10 credit unions with locations in Wyoming, plus national online institutions available to Wyoming residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Valley Financial Credit Union offers a CD at 6.17% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Wyoming.
How to Find the Best CD Rates in Wyoming
What to compare when shopping for a CD in Wyoming
To find the best APYs in Wyoming, start with credit unions and online-only banks — Wyoming has 10 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Wyoming
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Wyoming — 19 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Wyoming savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Wyoming money market rates
Wyoming Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
18.5% of residents are 65 or older, in line with the national average of 17.3%; a low unemployment rate of 3.7% reflects a strong local economy. At today’s WY 12-month CD average of 3.086%, saving 10% of the local median salary ($4,266/year) and putting it in a CD would earn an additional $132 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Wyoming
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in Wyoming
Are CD rates in Wyoming FDIC insured?
Do I have to pay state taxes on CD interest in Wyoming?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Wyoming?
- Valley Financial Credit Union: 6.17% APY (12 Month Youth Certificate)
- Bank of Star Valley: 3.91% APY (1 Year Certificate)
- TRONA VALLEY COMMUNITY: 3.85% APY (3 Month Business Certificate)
- Advantage Plus Federal Credit Union: 3.75% APY (Share Certificates 60 Months)
- WyHy Federal Credit Union: 3.75% APY (Jumbo Term Certificates & Jumbo IRA Term Certificates 12 Months)
- CAMPCO: 3.75% APY (Share Certificate - 6 Month)
- Summit National Bank: 3.64% APY (6 Month CD)
- StagePoint Federal Credit Union: 3.56% APY (Share Certificate Accounts 6-MONTHS)
- Nuvision Federal Credit Union: 3.55% APY (1-Year Certificate)
- Western Vista Federal Credit Union: 3.50% APY (Traditional & ROTH IRA 6 Mos.)
CD Calculators for Wyoming
At today’s WY top rate of 6.17% APY, a $10,000 deposit earns $617 in the first year. Enter your amount to see your exact return.
Wyoming CD LadderWY CD rates currently range from 1.929% (3-month) to 2.946% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Wyoming CD at 6.17% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsWyoming’s average 12-month CD is 3.086% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Wyoming directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in 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.
Cities in Wyoming
