Current Casper, Wyoming CD rates include Nuvision Federal Credit UnionNuvision Federal Credit UnionA+5.0 ★Texas Ratio: 3.48%Real return: +0.75%APY minus CPI (February 2026) offering 1-Year Certificate at 3.55% APY, Western Vista Federal Credit UnionWestern Vista Federal Credit UnionA5.0 ★Texas Ratio: 7.22%Real return: +0.70%APY minus CPI (February 2026) offering Traditional & ROTH IRA 6 Mos. at 3.50% APY, Uniwyo Federal Credit UnionUniwyo Federal Credit UnionA+5.0 ★Texas Ratio: 3.67%Real return: +0.70%APY minus CPI (February 2026) offering 5 Year Share Certificate at 3.50% APY, Valley Financial Credit UnionValley Financial Credit UnionA+5.0 ★Texas Ratio: 1.96%Real return: +3.37%APY minus CPI (February 2026) offering 12 Month Youth Certificate at 6.17% APY, and StagePoint Federal Credit UnionStagePoint Federal Credit UnionA+5.0 ★Texas Ratio: 1.54%Real return: +1.27%APY minus CPI (February 2026) offering Share Certificate Accounts 6-MONTHS at 4.07% APY. CD rates as of May 17, 2026 according to verified data from MonitorBankRates.
Casper has 102 local institutions in our database, with CD rates as high as 3.55% APY from Nuvision Federal Credit Union at 7812 Edinger Ave, Huntington Beach, CA 92647. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Wyoming area. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: May 17, 2026
91 Days
$100,000.00
$100,000.00
182 Days
$1,000 Minimum
$100,000.00
$50,000
$100 Minimum | $1,000 Maximum
As High As
$500 Minimum
Penalty for early withdrawal. Limited time special! Rates effective as of January 1, 2026.
Dividends Post Quarterly
Dividends Post Quarterly
Dividends Post Quarterly
365 Days
$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
Dividends Post Quarterly
Dividends Post Quarterly
547 Days
As High As
$500 Minimum
Penalty for early withdrawal. Limited time special! Rates effective as of January 1, 2026.
Dividends Post Quarterly
Dividends Post Quarterly
Dividends Post Quarterly
730 Days
$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.
As High As
Dividends Post Quarterly
Dividends Post Quarterly
Dividends Post Quarterly
1095 Days
$100,000.00
$50,000
As High As
Dividends Post Quarterly
Dividends Post Quarterly
Dividends Post Quarterly
1460 Days
$100,000.00
As High As
Dividends Post Quarterly
Dividends Post Quarterly
Dividends Post Quarterly
1825 Days
$100,000.00
What to know about CD rates in Casper, Wyoming at a glance.
Compare local Casper, WY CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Wyoming 12-month CD rates rose 0.875 points over the past 7 days to 3.483% APY.
Wyoming 6-month CD rates rose 1.565 points over the past 7 days to 3.336% APY.
Where are Wyoming CD rates headed through May 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
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 | 3.013% | $150.65 | $301.30 | $753.25 | $1,506.50 |
| 6-Month CD | 3.336% | $166.78 | $333.55 | $833.88 | $1,667.75 |
| 12-Month CD | 3.483% | $174.13 | $348.26 | $870.65 | $1,741.30 |
| 18-Month CD | 3.236% | $161.78 | $323.55 | $808.88 | $1,617.75 |
| 24-Month CD | 3.102% | $155.09 | $310.18 | $775.45 | $1,550.90 |
| 36-Month CD | 2.948% | $147.39 | $294.78 | $736.95 | $1,473.90 |
| 48-Month CD | 3.032% | $151.60 | $303.20 | $758.00 | $1,516.00 |
| 60-Month CD | 3.155% | $157.73 | $315.46 | $788.65 | $1,577.30 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 17, 2026. | |||||
$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 | 3.013% | $150.65 |
| 2 | 6-Month CD | $5,000 | 3.336% | $166.78 |
| 3 | 12-Month CD | $5,000 | 3.483% | $174.13 |
| 4 | 24-Month CD | $5,000 | 3.102% | $155.09 |
| 5 | 36-Month CD | $5,000 | 2.948% | $147.39 |
| Total ($25,000 invested) | $25,000 | 3.176% blended | $794.04/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.
MonitorBankRates tracks 222 CD rates from 8 banks and 9 credit unions with locations in Casper, 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: Nuvision Federal Credit Union offers a CD at 3.55% APY with a minimum deposit of $100,000. Use the rate table above to compare all current offers in Casper, Wyoming.
What to compare when shopping for a CD in Casper, Wyoming
To find the best APYs in Casper, Wyoming, start with credit unions and online-only banks — Casper, Wyoming has 9 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.
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
17.0% of residents are 65 or older, in line with the national average of 17.3%. At today’s WY 12-month CD average of 3.483%, saving 10% of the local median salary ($4,130/year) and putting it in a CD would earn an additional $144 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
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 |
At today’s WY top rate of 3.55% APY, a $10,000 deposit earns $355 in the first year. Enter your amount to see your exact return.
Casper, Wyoming CD LadderWY CD rates currently range from 3.013% (3-month) to 2.948% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Casper, Wyoming CD at 3.55% 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 3.483% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Casper, 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 Casper, 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 Casper, 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.