Four Corners, Wyoming Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
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.
Four Corners, Wyoming CD rates from banks and credit unions serving Wyoming range from 0.05% to 4.50% APY, verified by MonitorBankRates as of October 20, 2026. Current Four Corners, Wyoming CD rates include 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, Valley Financial Credit UnionValley Financial Credit UnionA+5.0 ★Texas Ratio: 1.69%Real return: +1.53%APY minus CPI (February 2026) offering International Credit Union Day Certificate Special - 12 Month Certificate at 4.33% 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, 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, and StagePoint Federal Credit UnionStagePoint Federal Credit UnionA+5.0 ★Texas Ratio: 1.25%Real return: +1.27%APY minus CPI (February 2026) offering 6 Month Share Certificate Accounts at 4.07% APY. CD rates as of October 20, 2026 according to verified data from MonitorBankRates.
Four Corners is a smaller community with no bank or credit union branches currently in our database. 374 institutions serving the Wyoming area are available to Four Corners residents, with CD rates as high as 4.50% APY from Advantage Plus Federal Credit Union. 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 20, 2026
Compare Best CD Rates in Four Corners, Wyoming & the Surrounding Area
Four Corners 3 Month CD Rates
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
▼
Rate4.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average2.24%▲ 1.90% above avgNationally 2.12%
Details
APY current as of September 21, 2026; early withdrawal penalty may apply; auto-renews to fixed rate CD of equivalent term
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.14% ▲ 0.54 pts · high 4.14% / low 3.60%
- 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%
Certificate of Deposit - 3 months
$0
3.75%
▲ 1.51% above Wyoming avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average2.24%▲ 1.51% above avgNationally 2.12%
Details
Effective Date: December 29, 2025
Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 5 times
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
3 Month Certificate
$200
3.75%
▲ 1.51% above Wyoming avg
▼
Rate3.70%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average2.24%▲ 1.51% above avgNationally 2.12%
Details
Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 4 times
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Business 3 Month Certificate
$200
3.75%
▲ 1.51% above Wyoming avg
▼
Rate3.70%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average2.24%▲ 1.51% above avgNationally 2.12%
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
3 Month CDs and IRAs
$0
3.29%
▲ 1.05% above Wyoming avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average2.24%▲ 1.05% above avgNationally 2.12%
Details
Penalties may apply for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.29% APY · checked 2 times
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
CD's & IRA's - 3 months
$0
3.29%
▲ 1.05% above Wyoming avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average2.24%▲ 1.05% above avgNationally 2.12%
Details
Balance: $100,000.00 minimum; penalties may apply for early withdrawal
Rate History
No change since Oct 20, 2026 · 3.29% APY
Sheridan Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
3 Month Certificates of Deposit
$500
3.25%
▲ 1.01% above Wyoming avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average2.24%▲ 1.01% above avgNationally 2.12%
Details
As High As; terms from three months to five years; guaranteed rate of return
Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 3 times
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
3 Month CD's & IRA's
$0
3.19%
▲ 0.95% above Wyoming avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average2.24%▲ 0.95% above avgNationally 2.12%
Details
Balance: $25,000.00 - $99,999.99; penalties may apply for early withdraw
Rate History
No change since Oct 14, 2026 · 3.19% APY · checked 2 times
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
▼
Rate3.10%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average2.24%▲ 0.91% above avgNationally 2.12%
Details
Source shows $25,000 min. deposit; the $100,000 figure and 'Jumbo' label are not in the source
Rate History
2 changes since Sep 15, 2026 · 2.96% → 3.15% ▲ 0.19 pts · high 3.15% / low 2.96%
- 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%
Jumbo 3-Month Certificate
$100,000
3.15%
▲ 0.91% above Wyoming avg
▼
Rate3.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average2.24%▲ 0.91% above avgNationally 2.12%
Details
$100,000 min. deposit (Jumbo)
Rate History
No change since Oct 20, 2026 · 3.15% APY
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
▼
Rate3.06%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average2.24%▲ 0.86% above avgNationally 2.12%
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%
- Oct 14, 20263.10%▲ from 3.05%
- Sep 18, 20263.05%▲ from 2.96%
- Sep 15, 20262.96%first recorded
First Federal Bank & Trust
Institution Rating:
B-4.2 ★Texas Ratio: 24.13%
3 Month CD
$0
3.10%
▲ 0.86% above Wyoming avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average2.24%▲ 0.86% above avgNationally 2.12%
Details
Balance: $250,000; Opening Deposit; Deposit Specials; see 3 Month CD Terms
Rate History
1 change since Sep 7, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00%
- Oct 14, 20263.10%▲ from 3.00%
- Sep 7, 20263.00%first recorded
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
3 Month CD
$0
3.09%
▲ 0.85% above Wyoming avg
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average2.24%▲ 0.85% above avgNationally 2.12%
Details
Balance: $1,000 - $25,000; penalties may apply for early withdrawal
Rate History
No change since Oct 20, 2026 · 3.09% APY
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
CDs and IRAs - 3 months
$0
3.09%
▲ 0.85% above Wyoming avg
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average2.24%▲ 0.85% above avgNationally 2.12%
Details
$1,000-$25,000; Balance: $1,000.00 - $25,000.00; penalties may apply for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.09% APY · checked 2 times
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
▼
Rate3.01%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average2.24%▲ 0.81% above avgNationally 2.12%
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%
- 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
▼
Rate3.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average2.24%▲ 0.77% above avgNationally 2.12%
Details
Dividend rate only; no APY printed in source table; $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%
- 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
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average2.24%▲ 0.76% above avgNationally 2.12%
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%
- Sep 18, 20263.00%▲ from 2.96%
- Sep 15, 20262.96%first recorded
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Certificates of Deposit - 90 Day
$0
3.00%
▲ 0.76% above Wyoming avg
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average2.24%▲ 0.76% above avgNationally 2.12%
Details
Balance: $1,000 or more
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
First Federal Bank & Trust
Institution Rating:
B-4.2 ★Texas Ratio: 24.13%
3 Month CD
$0
3.00%
▲ 0.76% above Wyoming avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average2.24%▲ 0.76% above avgNationally 2.12%
Details
Balance: $0 - $249,999; Opening Deposit; Deposit Specials; see 3 Month CD Terms
Rate History
No change since Sep 27, 2026 · 3.00% APY · checked 6 times
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
3 Month Certificate
$0
2.78%
▲ 0.54% above Wyoming avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average2.24%▲ 0.54% above avgNationally 2.12%
Details
Rate History
No change since Oct 14, 2026 · 2.78% APY · checked 2 times
Sunlight Federal Credit Union
Institution Rating:
D3.2 ★Texas Ratio: 37.01%
3 Month Share Certificate
$500
2.78%
▲ 0.54% above Wyoming avg
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average2.24%▲ 0.54% above avgNationally 2.12%
Details
Early Withdrawal Penalty: 90 Days Interest
Rate History
No change since Sep 18, 2026 · 2.78% APY · checked 7 times
Citco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3 Month Share Certificates
$0
2.53%
▲ 0.29% above Wyoming avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average2.24%▲ 0.29% above avgNationally 2.12%
Details
Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 6 times
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
CD's & IRA's - Less than 90 days
$0
2.07%
▼ 0.17% below Wyoming avg
▼
Rate2.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average2.24%▼ 0.17% below avgNationally 2.12%
Details
Balance: $100,000.00 minimum; penalties may apply for early withdrawal
Rate History
No change since Oct 20, 2026 · 2.07% APY
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
▼
Rate2.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.24%▼ 0.22% below avgNationally 2.12%
Details
Rates effective 09/24/2026
Rate History
No change since Sep 24, 2026 · 2.02% APY · checked 6 times
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
CDs and IRAs - Less than 90 days
$0
1.87%
▼ 0.37% below Wyoming avg
▼
Rate1.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average2.24%▼ 0.37% below avgNationally 2.12%
Details
$1,000-$25,000; Balance: $1,000.00 - $25,000.00; penalties may apply for early withdrawal
Rate History
No change since Oct 14, 2026 · 1.87% APY · checked 2 times
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
▼
Rate1.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.24%▼ 0.38% below avgNationally 2.12%
Details
Rate History
No change since Sep 14, 2026 · 1.86% APY · checked 8 times
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
▼
Rate1.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average2.24%▼ 0.49% below avgNationally 2.12%
Details
Interest Rate: 1.73%; APY: 1.75%
Rate History
No change since Oct 12, 2026 · 1.75% APY · checked 2 times
Western Vista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
3 Month Share Certificate
$0
1.25%
▼ 0.99% below Wyoming avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average2.24%▼ 0.99% below avgNationally 2.12%
Details
Balance: $500+
Rate History
No change since Sep 25, 2026 · 1.25% APY · checked 3 times
Western Vista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
Traditional & ROTH IRA - 3 Mos.
$500
1.25%
▼ 0.99% below Wyoming avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average2.24%▼ 0.99% below avgNationally 2.12%
Details
Rate History
No change since Oct 8, 2026 · 1.25% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Standard Fixed Rate CD 3 month - Relationship
$2,500
0.06%
▼ 2.18% below Wyoming avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average2.24%▼ 2.18% below avgNationally 2.12%
Details
Relationship rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 4 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Standard Fixed Rate CD 3 month
$2,500
0.05%
▼ 2.19% below Wyoming avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average2.24%▼ 2.19% below avgNationally 2.12%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
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
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average2.24%▼ 2.19% below avgNationally 2.12%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 2 times
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
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average2.24%▼ 2.19% below avgNationally 2.12%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 2 times
Four Corners 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
6 Month CD
$0
4.14%
▲ 0.93% above Wyoming avg
▼
Rate4.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.21%▲ 0.93% above avgNationally 2.79%
Details
APY current as of September 21, 2026; early withdrawal penalty may apply; auto-renews to fixed rate CD of equivalent term
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.14% ▲ 0.24 pts · high 4.14% / low 3.90%
- 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 Accounts
$0
4.07%
▲ 0.86% above Wyoming avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.21%▲ 0.86% above avgNationally 2.79%
Details
Balance: minimum average daily balance $500.00
Rate History
No change since Sep 25, 2026 · 4.07% APY · checked 5 times
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
6 Month Certificate
$1,000
4.07%
▲ 0.86% above Wyoming avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.21%▲ 0.86% above avgNationally 2.79%
Details
Certificate and IRA Certificate Special. Penalty for early withdrawal. Limited time special! 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%
- Oct 14, 20264.07%▲ from 3.97%
- Sep 14, 20263.97%first recorded
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Business Share Certificate - 6 Month Certificate
$1,000
4.07%
▲ 0.86% above Wyoming avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.21%▲ 0.86% above avgNationally 2.79%
Details
Certificate Special. Penalty for early withdrawal. Limited time special. Rates effective as of October 1, 2026.
Rate History
No change since Oct 19, 2026 · 4.07% APY
CAMPCO
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
Share Certificate - 6 Month
$0
4.05%
▲ 0.84% above Wyoming avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.21%▲ 0.84% above avgNationally 2.79%
Details
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
- 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%
Certificate of Deposit - 6 months
$0
4.00%
▲ 0.79% above Wyoming avg
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.21%▲ 0.79% above avgNationally 2.79%
Details
Effective Date: December 29, 2025
Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 5 times
Grand Altitude Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
Share & IRA Certificates - 6 Month
$0
3.89%
▲ 0.68% above Wyoming avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.21%▲ 0.68% above avgNationally 2.79%
Details
Rate History
No change since Oct 9, 2026 · 3.89% APY · checked 3 times
WyHy Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.60%
6 Month Jumbo Term Certificates
$50,000
3.70%
▲ 0.49% above Wyoming avg
▼
Rate3.65%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.21%▲ 0.49% above avgNationally 2.79%
Details
Fixed rate for term, Quarterly Paid Interest; Jumbo IRA Term Certificates listed under same table
Rate History
No change since Oct 8, 2026 · 3.70% APY · checked 2 times
WyHy Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.60%
Term Certificates & IRA Term Certificates - 6 Months
$500
3.65%
▲ 0.44% above Wyoming avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.21%▲ 0.44% above avgNationally 2.79%
Details
Fixed rate for term; Quarterly Paid Interest
Rate History
No change since Sep 12, 2026 · 3.65% APY · checked 2 times
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
6 Month Certificate
$200
3.65%
▲ 0.44% above Wyoming avg
▼
Rate3.60%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.21%▲ 0.44% above avgNationally 2.79%
Details
Rate History
No change since Oct 6, 2026 · 3.65% APY · checked 4 times
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Business 6 Month Certificate
$200
3.65%
▲ 0.44% above Wyoming avg
▼
Rate3.60%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.21%▲ 0.44% above avgNationally 2.79%
Details
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
Citco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month Share Certificates
$0
3.60%
▲ 0.39% above Wyoming avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.21%▲ 0.39% above avgNationally 2.79%
Details
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
Certificates of Deposit - 6 Month - Platinum Rate
$500
3.60%
▲ 0.39% above Wyoming avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.21%▲ 0.39% above avgNationally 2.79%
Details
Platinum Rate (dividend rate; APY not separately published)
Rate History
No change since Oct 19, 2026 · 3.60% APY
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
6 Month CDs and IRAs
$0
3.58%
▲ 0.37% above Wyoming avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.21%▲ 0.37% above avgNationally 2.79%
Details
Penalties may apply for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.58% APY · checked 2 times
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
CD's & IRA's - 6 months
$0
3.58%
▲ 0.37% above Wyoming avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.21%▲ 0.37% above avgNationally 2.79%
Details
Balance: $100,000.00 minimum; penalties may apply for early withdrawal
Rate History
No change since Oct 20, 2026 · 3.58% APY
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
6 Month Certificate
$0
3.55%
▲ 0.34% above Wyoming avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.21%▲ 0.34% above avgNationally 2.79%
Details
Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 2 times
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
6 Month Share Certificate
$500
3.55%
▲ 0.34% above Wyoming avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.21%▲ 0.34% above avgNationally 2.79%
Details
Pay monthly; $500 minimum deposit; Share Certificates may be added to in $100 increments up to an additional $5,000 during the term; Membership required
Rate History
No change since Sep 20, 2026 · 3.55% APY · checked 4 times
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Share Certificate - 6 months
$500
3.55%
▲ 0.34% above Wyoming avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.21%▲ 0.34% above avgNationally 2.79%
Details
Pay monthly; Share Certificates may be added to in $100 increments up to an additional $5,000 during the term; Membership required
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 6 times
Western Vista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
6 Month Share Certificate
$0
3.50%
▲ 0.29% above Wyoming avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.21%▲ 0.29% above avgNationally 2.79%
Details
Balance: $500+
Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 3 times
Western Vista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
Traditional & ROTH IRA - 6 Mos.
$500
3.50%
▲ 0.29% above Wyoming avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.21%▲ 0.29% above avgNationally 2.79%
Details
Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 3 times
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
6 Month CD's & IRA's
$0
3.48%
▲ 0.27% above Wyoming avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.21%▲ 0.27% above avgNationally 2.79%
Details
Balance: $25,000.00 - $99,999.99; penalties may apply for early withdraw
Rate History
No change since Oct 14, 2026 · 3.48% APY · checked 2 times
Uniwyo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
6 Month Share Certificate
$100
3.45%
▲ 0.24% above Wyoming avg
▼
Rate3.41%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.21%▲ 0.24% above avgNationally 2.79%
Details
Rate History
No change since Sep 20, 2026 · 3.45% APY · checked 5 times
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
Certificates of Deposit - 6 Month - Honors Rate
$500
3.45%
▲ 0.24% above Wyoming avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.21%▲ 0.24% above avgNationally 2.79%
Details
Honors Rate (dividend rate; APY not separately published)
Rate History
No change since Oct 19, 2026 · 3.45% APY
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
Certificates of Deposit - 6 Month
$500
3.40%
▲ 0.19% above Wyoming avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.21%▲ 0.19% above avgNationally 2.79%
Details
Rate History
No change since Oct 19, 2026 · 3.40% APY
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
6 Month CD
$0
3.38%
▲ 0.17% above Wyoming avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.21%▲ 0.17% above avgNationally 2.79%
Details
Balance: $1,000 - $25,000; penalties may apply for early withdrawal
Rate History
No change since Oct 20, 2026 · 3.38% APY
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
CDs and IRAs - 6 months
$0
3.38%
▲ 0.17% above Wyoming avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.21%▲ 0.17% above avgNationally 2.79%
Details
$1,000-$25,000; Balance: $1,000.00 - $25,000.00; penalties may apply for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.38% APY · checked 2 times
Acpe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
6 Month Share Certificate
$0
3.35%
▲ 0.14% above Wyoming avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.21%▲ 0.14% above avgNationally 2.79%
Details
Dividend Rates for Share Certificates
Rate History
No change since Oct 9, 2026 · 3.35% APY · checked 2 times
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Share Certificates - 6 months
$0
3.25%
▲ 0.04% above Wyoming avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.21%▲ 0.04% above avgNationally 2.79%
Details
Interest Rate: 3.21%; APY: 3.25%
Rate History
No change since Oct 12, 2026 · 3.25% APY · checked 2 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6-Month Certificate
$0
3.15%
▼ 0.06% below Wyoming avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.21%▼ 0.06% below avgNationally 2.79%
Details
Rate History
1 change since Sep 15, 2026 · 2.96% → 3.15% ▲ 0.19 pts · high 3.15% / low 2.96%
- 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%
▼ 0.06% below Wyoming avg
▼
Rate3.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.21%▼ 0.06% below avgNationally 2.79%
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%
- Oct 7, 20263.15%▲ from 3.05%
- Sep 24, 20263.05%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
Jumbo 6-Month Certificate
$100,000
3.15%
▼ 0.06% below Wyoming avg
▼
Rate3.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.21%▼ 0.06% below avgNationally 2.79%
Details
$100,000 min. deposit (Jumbo)
Rate History
No change since Oct 20, 2026 · 3.15% APY
FNB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
IRA Fixed - 6 Month
$25
3.14%
▼ 0.07% below Wyoming avg
▼
Rate3.10%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.21%▼ 0.07% below avgNationally 2.79%
Details
Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 7 times
Security State Bank Basin, WY
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
6 Month CD
$1,000
3.14%
▼ 0.07% below Wyoming avg
▼
Rate3.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.21%▼ 0.07% below avgNationally 2.79%
Details
Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 8 times
Big Horn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
6 month CD
$1,000
3.12%
▼ 0.09% below Wyoming avg
▼
Rate3.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.21%▼ 0.09% below avgNationally 2.79%
Details
Balance: Entire Balance
Rate History
No change since Sep 11, 2026 · 3.12% APY · checked 10 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6-Month Certificate
$0
3.10%
▼ 0.11% below Wyoming avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.21%▼ 0.11% below avgNationally 2.79%
Details
Dividend rate only; no APY printed in this table
Rate History
2 changes since Sep 15, 2026 · 2.96% → 3.11% ▲ 0.15 pts · high 3.11% / low 2.96%
- Oct 20, 20263.11%▲ from 3.10%
- 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 Certificate
$50,000
3.10%
▼ 0.11% below Wyoming avg
▼
Rate3.06%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.21%▼ 0.11% below avgNationally 2.79%
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%
- 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%
▼ 0.11% below Wyoming avg
▼
Rate3.05%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.21%▼ 0.11% below avgNationally 2.79%
Details
Fixed Rate Accounts; $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%
- Oct 7, 20263.10%▲ from 3.05%
- Sep 24, 20263.05%first recorded
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Certificates of Deposit - 180 Day
$0
3.10%
▼ 0.11% below Wyoming avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.21%▼ 0.11% below avgNationally 2.79%
Details
Balance: $1,000 or more
Rate History
No change since Oct 14, 2026 · 3.10% APY · checked 2 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6-Month Certificate
$25,000
3.05%
▼ 0.16% below Wyoming avg
▼
Rate3.01%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.21%▼ 0.16% below avgNationally 2.79%
Details
Rates for California; $25,000 min. deposit
Rate History
1 change since Sep 15, 2026 · 2.96% → 3.05% ▲ 0.09 pts · high 3.05% / low 2.96%
- 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%
▼ 0.16% below Wyoming avg
▼
Rate3.00%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.21%▼ 0.16% below avgNationally 2.79%
Details
$25,000 min. deposit; Effective Date: 02/04/2026; Rates for California
Rate History
No change since Sep 24, 2026 · 3.05% APY · checked 8 times
FNB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
6 Month Certificate of Deposit
$2,500
3.03%
▼ 0.18% below Wyoming avg
▼
Rate3.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.21%▼ 0.18% below avgNationally 2.79%
Details
Rates effective 09/24/2026
Rate History
No change since Sep 24, 2026 · 3.03% APY · checked 6 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6-Month Certificate
$25,000
3.01%
▼ 0.20% below Wyoming avg
▼
Rate3.01%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.21%▼ 0.20% below avgNationally 2.79%
Details
Effective Date: 02/04/2026; Rates for California
Rate History
2 changes since Sep 15, 2026 · 2.96% → 3.01% ▲ 0.05 pts · high 3.01% / low 2.96%
- Oct 20, 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%
6-Month Certificate
$1,000
3.00%
▼ 0.21% below Wyoming avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.21%▼ 0.21% below avgNationally 2.79%
Details
Rates for California
Rate History
1 change since Sep 15, 2026 · 2.96% → 3.00% ▲ 0.04 pts · high 3.00% / low 2.96%
- 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%
▼ 0.21% below Wyoming avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.21%▼ 0.21% below avgNationally 2.79%
Details
Fixed Rate Accounts; Rates for California; Effective Date: 02/04/2026
Rate History
1 change since Sep 24, 2026 · 3.05% → 3.00% ▼ 0.05 pts · high 3.05% / low 3.00%
- Oct 7, 20263.00%▼ from 3.05%
- Sep 24, 20263.05%first recorded
First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
6-Month Certificate
$0
2.78%
▼ 0.43% below Wyoming avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.21%▼ 0.43% below avgNationally 2.79%
Details
Payment frequency: maturity; Early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 2.78% APY · checked 6 times
Sunlight Federal Credit Union
Institution Rating:
D3.2 ★Texas Ratio: 37.01%
6 Month Share Certificate
$500
2.78%
▼ 0.43% below Wyoming avg
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.21%▼ 0.43% below avgNationally 2.79%
Details
Early Withdrawal Penalty: 90 Days Interest
Rate History
No change since Sep 18, 2026 · 2.78% APY · checked 7 times
Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
6 Month Share Certificate
$500
2.00%
▼ 1.21% below Wyoming avg
▼
Rate1.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.21%▼ 1.21% below avgNationally 2.79%
Details
Rate History
No change since Sep 12, 2026 · 2.00% APY · checked 7 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Standard Fixed Rate CD 6 month - Relationship
$2,500
0.06%
▼ 3.15% below Wyoming avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.21%▼ 3.15% below avgNationally 2.79%
Details
Relationship rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 4 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Standard Fixed Rate CD 6 month
$2,500
0.05%
▼ 3.16% below Wyoming avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.21%▼ 3.16% below avgNationally 2.79%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 4 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
6 Month IRA Certificate of Deposit
$0
0.05%
▼ 3.16% below Wyoming avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.21%▼ 3.16% below avgNationally 2.79%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 2 times
Four Corners 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
International Credit Union Day Certificate Special - 12 Month Certificate
$500
4.33%
▲ 1.00% above Wyoming avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.33%▲ 1.00% above avgNationally 3.00%
Details
Penalty for early withdrawal. Limited time special. Rates effective as of October 15, 2026.
Rate History
No change since Oct 19, 2026 · 4.33% APY
Buffalo Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
12 Month CD
$500
4.18%
▲ 0.85% above Wyoming avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average3.33%▲ 0.85% above avgNationally 3.00%
Details
Rate History
1 change since Sep 29, 2026 · 3.20% → 4.18% ▲ 0.98 pts · high 4.18% / low 3.20%
- Oct 11, 20264.18%▲ from 3.20%
- Sep 29, 20263.20%first recorded
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
12 Month CD
$0
3.95%
▲ 0.62% above Wyoming avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.33%▲ 0.62% above avgNationally 3.00%
Details
APY current as of September 21, 2026; early withdrawal penalty may apply; auto-renews to fixed rate CD of equivalent term
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 10 times
Grand Altitude Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
Share & IRA Certificates - 12 Month
$0
3.95%
▲ 0.62% above Wyoming avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.33%▲ 0.62% above avgNationally 3.00%
Details
Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
1 Year Certificate
$0
3.91%
▲ 0.58% above Wyoming avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.33%▲ 0.58% above avgNationally 3.00%
Details
Rate History
2 changes since Sep 14, 2026 · 3.91% → 3.91% ▼ 0.00 pts · high 3.91% / low 3.80%
- Oct 15, 20263.91%▲ from 3.80%
- Oct 14, 20263.80%▼ from 3.91%
- Sep 14, 20263.91%first recorded
StagePoint Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
12 Month Share Certificate Accounts
$0
3.82%
▲ 0.49% above Wyoming avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.33%▲ 0.49% above avgNationally 3.00%
Details
Dividend rate printed as: As high as 3.75%; Balance: minimum average daily balance $500.00
Rate History
No change since Sep 25, 2026 · 3.82% APY · checked 5 times
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
1 Year Certificate
$0
3.80%
▲ 0.47% above Wyoming avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.33%▲ 0.47% above avgNationally 3.00%
Details
Rate History
1 change since Sep 14, 2026 · 3.91% → 3.80% ▼ 0.11 pts · high 3.91% / low 3.80%
- Oct 14, 20263.80%▼ from 3.91%
- Sep 14, 20263.91%first recorded
Sheridan Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
Certificate of Deposit - 12 months
$0
3.75%
▲ 0.42% above Wyoming avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.33%▲ 0.42% above avgNationally 3.00%
Details
Effective Date: December 29, 2025
Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 5 times
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Share Certificates - 12 months
$0
3.75%
▲ 0.42% above Wyoming avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.33%▲ 0.42% above avgNationally 3.00%
Details
Interest Rate: 3.69%; APY: 3.75%
Rate History
No change since Oct 12, 2026 · 3.75% APY · checked 2 times
WyHy Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.60%
12 Month Jumbo Term Certificates
$50,000
3.75%
▲ 0.42% above Wyoming avg
▼
Rate3.70%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.33%▲ 0.42% above avgNationally 3.00%
Details
Fixed rate for term, Quarterly Paid Interest; Jumbo IRA Term Certificates listed under same table
Rate History
No change since Oct 8, 2026 · 3.75% APY · checked 2 times
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
Certificates of Deposit - 12 Month - Platinum Rate
$500
3.75%
▲ 0.42% above Wyoming avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.33%▲ 0.42% above avgNationally 3.00%
Details
Platinum Rate (dividend rate; APY not separately published)
Rate History
No change since Oct 19, 2026 · 3.75% APY
CAMPCO
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
Share Certificate - 12 Month
$0
3.75%
▲ 0.42% above Wyoming avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.33%▲ 0.42% above avgNationally 3.00%
Details
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55%
- 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%
Term Certificates & IRA Term Certificates - 12 Months
$500
3.70%
▲ 0.37% above Wyoming avg
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.33%▲ 0.37% above avgNationally 3.00%
Details
Fixed rate for term; Quarterly Paid Interest
Rate History
No change since Sep 12, 2026 · 3.70% APY · checked 2 times
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
1 Year CDs and IRAs
$0
3.65%
▲ 0.32% above Wyoming avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.33%▲ 0.32% above avgNationally 3.00%
Details
Penalties may apply for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 2 times
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
CD's & IRA's - 1 Year
$0
3.65%
▲ 0.32% above Wyoming avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.33%▲ 0.32% above avgNationally 3.00%
Details
Balance: $100,000.00 minimum; penalties may apply for early withdrawal
Rate History
No change since Oct 20, 2026 · 3.65% APY
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
12 Month Certificate
$0
3.65%
▲ 0.32% above Wyoming avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.33%▲ 0.32% above avgNationally 3.00%
Details
Dividends Post Quarterly
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 9 times
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
IRA Certificates - 12 Month Certificate
$0
3.65%
▲ 0.32% above Wyoming avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.33%▲ 0.32% above avgNationally 3.00%
Details
Dividends Post Quarterly
Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 2 times
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
Certificates of Deposit - 12 Month - Honors Rate
$500
3.60%
▲ 0.27% above Wyoming avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.33%▲ 0.27% above avgNationally 3.00%
Details
Honors Rate (dividend rate; APY not separately published)
Rate History
No change since Oct 19, 2026 · 3.60% APY
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
1-Year Certificate
$0
3.55%
▲ 0.22% above Wyoming avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.33%▲ 0.22% above avgNationally 3.00%
Details
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 9 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
1-Year IRA
$100,000
3.55%
▲ 0.22% above Wyoming avg
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.33%▲ 0.22% above avgNationally 3.00%
Details
$100,000 min. deposit (Jumbo); 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%
- Oct 7, 20263.55%▲ from 3.50%
- Sep 24, 20263.50%▲ from 3.45%
- Sep 18, 20263.45%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
Jumbo 1-Year Certificate
$100,000
3.55%
▲ 0.22% above Wyoming avg
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.33%▲ 0.22% above avgNationally 3.00%
Details
$100,000 min. deposit (Jumbo)
Rate History
No change since Oct 20, 2026 · 3.55% APY
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
Jumbo 1-Year IRA
$100,000
3.55%
▲ 0.22% above Wyoming avg
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.33%▲ 0.22% above avgNationally 3.00%
Details
$100,000 min. deposit (Jumbo); Effective Date: 02/04/2026; IRA Term: 1 year
Rate History
No change since Oct 20, 2026 · 3.55% APY
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
1 Year CD's & IRA's
$0
3.55%
▲ 0.22% above Wyoming avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.33%▲ 0.22% above avgNationally 3.00%
Details
Balance: $25,000.00 - $99,999.99; penalties may apply for early withdraw
Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 2 times
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
Certificates of Deposit - 12 Month
$500
3.55%
▲ 0.22% above Wyoming avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.33%▲ 0.22% above avgNationally 3.00%
Details
Rate History
No change since Oct 19, 2026 · 3.55% APY
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
IRA Share 12 Month
$500
3.55%
▲ 0.22% above Wyoming avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.33%▲ 0.22% above avgNationally 3.00%
Details
Rate History
No change since Oct 19, 2026 · 3.55% APY
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
12 Month Certificate
$200
3.55%
▲ 0.22% above Wyoming avg
▼
Rate3.50%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.33%▲ 0.22% above avgNationally 3.00%
Details
Rate History
No change since Oct 6, 2026 · 3.55% APY · checked 4 times
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Business 12 Month Certificate
$200
3.55%
▲ 0.22% above Wyoming avg
▼
Rate3.50%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.33%▲ 0.22% above avgNationally 3.00%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
Hilltop National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
12 Month Certificate of Deposit - SPECIAL
$1,000
3.51%
▲ 0.18% above Wyoming avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.33%▲ 0.18% above avgNationally 3.00%
Details
Balance: $100,000 +
Rate History
No change since Oct 20, 2026 · 3.51% APY
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
1-Year Certificate
$50,000
3.50%
▲ 0.17% above Wyoming avg
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.33%▲ 0.17% above avgNationally 3.00%
Details
$50,000 min. deposit; Effective Date: 02/04/2026; Rates for California
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 9 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
1-Year IRA
$50,000
3.50%
▲ 0.17% above Wyoming avg
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.33%▲ 0.17% above avgNationally 3.00%
Details
$50,000 min. deposit
Rate History
1 change since Sep 18, 2026 · 3.45% → 3.50% ▲ 0.05 pts · high 3.50% / low 3.45%
- Sep 24, 20263.50%▲ from 3.45%
- Sep 18, 20263.45%first recorded
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Certificates of Deposit - 12 Month
$0
3.50%
▲ 0.17% above Wyoming avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.33%▲ 0.17% above avgNationally 3.00%
Details
Balance: $1,000 or more
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
Uniwyo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1 Year Share Certificate
$100
3.50%
▲ 0.17% above Wyoming avg
▼
Rate3.46%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.33%▲ 0.17% above avgNationally 3.00%
Details
Rate History
No change since Sep 20, 2026 · 3.50% APY · checked 5 times
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%
▲ 0.17% above Wyoming avg
▼
Rate3.46%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.33%▲ 0.17% above avgNationally 3.00%
Details
Not eligible for the military or youth 0.50% APY rate increase
Rate History
No change since Oct 12, 2026 · 3.50% APY · checked 2 times
FNB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
12 Month Certificate of Deposit
$100
3.49%
▲ 0.16% above Wyoming avg
▼
Rate3.45%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.33%▲ 0.16% above avgNationally 3.00%
Details
Rates effective 09/24/2026
Rate History
1 change since Sep 24, 2026 · 3.19% → 3.49% ▲ 0.30 pts · high 3.49% / low 3.19%
- 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%
▲ 0.12% above Wyoming avg
▼
Rate3.40%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.33%▲ 0.12% above avgNationally 3.00%
Details
Rates for California; Effective Date: 02/04/2026
Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 9 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
1-Year IRA
$25,000
3.45%
▲ 0.12% above Wyoming avg
▼
Rate3.39%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.33%▲ 0.12% above avgNationally 3.00%
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 9 times
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
1 Year CD
$0
3.45%
▲ 0.12% above Wyoming avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.33%▲ 0.12% above avgNationally 3.00%
Details
Balance: $1,000 - $25,000; penalties may apply for early withdrawal
Rate History
No change since Oct 20, 2026 · 3.45% APY
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
CDs and IRAs - 1 Year
$0
3.45%
▲ 0.12% above Wyoming avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.33%▲ 0.12% above avgNationally 3.00%
Details
$1,000-$25,000; Balance: $1,000.00 - $25,000.00; penalties may apply for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.45% APY · checked 2 times
Citco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
12 Month Share Certificates
$0
3.40%
▲ 0.07% above Wyoming avg
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.33%▲ 0.07% above avgNationally 3.00%
Details
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 6 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
1-Year Certificate
$0
3.40%
▲ 0.07% above Wyoming avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.33%▲ 0.07% above avgNationally 3.00%
Details
Share Certificate Rates; $1,000 min. deposit
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 9 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
1-Year IRA
$1,000
3.40%
▲ 0.07% above Wyoming avg
▼
Rate3.34%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.33%▲ 0.07% above avgNationally 3.00%
Details
Fixed Rate Accounts; Rates for California; 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%
- Oct 7, 20263.40%▼ from 3.45%
- Sep 18, 20263.45%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
Share Certificate - 1-Year Certificate
$1,000
3.40%
▲ 0.07% above Wyoming avg
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.33%▲ 0.07% above avgNationally 3.00%
Details
Dividend Rate 3.348%; Effective Date: 02/04/2026; Rates for California
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 9 times
Big Horn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
1 year CD
$500
3.30%
▼ 0.03% below Wyoming avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.33%▼ 0.03% below avgNationally 3.00%
Details
Balance: Entire Balance
Rate History
No change since Sep 11, 2026 · 3.30% APY · checked 10 times
Acpe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
12 Month Share Certificate
$0
3.30%
▼ 0.03% below Wyoming avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.33%▼ 0.03% below avgNationally 3.00%
Details
Dividend Rates for Share Certificates
Rate History
No change since Oct 9, 2026 · 3.30% APY · checked 2 times
Hilltop National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
12 Month Certificate of Deposit - SPECIAL
$1,000
3.25%
▼ 0.08% below Wyoming avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.33%▼ 0.08% below avgNationally 3.00%
Details
Balance: $50,000 - $99,999
Rate History
No change since Oct 20, 2026 · 3.25% APY
Western Vista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
12 Month Share Certificate
$0
3.25%
▼ 0.08% below Wyoming avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.33%▼ 0.08% below avgNationally 3.00%
Details
Balance: $500+
Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 3 times
Western Vista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
Traditional & ROTH IRA - 12 Mos.
$500
3.25%
▼ 0.08% below Wyoming avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.33%▼ 0.08% below avgNationally 3.00%
Details
Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 3 times
Security State Bank Basin, WY
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
12 Month CD
$1,000
3.09%
▼ 0.24% below Wyoming avg
▼
Rate3.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.33%▼ 0.24% below avgNationally 3.00%
Details
Rate History
No change since Sep 14, 2026 · 3.09% APY · checked 8 times
First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
12-Month Certificate
$0
3.04%
▼ 0.29% below Wyoming avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.33%▼ 0.29% below avgNationally 3.00%
Details
Payment frequency: quarterly; Early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 6 times
First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
IRA 12-Month Certificate
$0
3.04%
▼ 0.29% below Wyoming avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.33%▼ 0.29% below avgNationally 3.00%
Details
Rate History
No change since Oct 12, 2026 · 3.04% APY · checked 2 times
Four Corners 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Share Certificates - 18 months
$0
3.75%
▲ 0.80% above Wyoming avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average2.95%▲ 0.80% above avgNationally 2.88%
Details
Interest Rate: 3.69%; APY: 3.75%
Rate History
No change since Oct 12, 2026 · 3.75% APY · checked 2 times
FNB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
IRA Fixed - 18 Month
$25
3.65%
▲ 0.70% above Wyoming avg
▼
Rate3.60%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.95%▲ 0.70% 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%
- 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%
▲ 0.65% above Wyoming avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average2.95%▲ 0.65% above avgNationally 2.88%
Details
APY current as of September 21, 2026; early withdrawal penalty may apply; auto-renews to fixed rate CD of equivalent term
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 10 times
Uniwyo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
18 Month Share Certificate
$100
3.60%
▲ 0.65% above Wyoming avg
▼
Rate3.55%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average2.95%▲ 0.65% above avgNationally 2.88%
Details
Rate History
No change since Sep 20, 2026 · 3.60% APY · checked 5 times
FNB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
18 Month Certificate of Deposit
$100
3.55%
▲ 0.60% above Wyoming avg
▼
Rate3.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.95%▲ 0.60% above avgNationally 2.88%
Details
Rates effective 09/24/2026
Rate History
1 change since Sep 24, 2026 · 3.03% → 3.55% ▲ 0.52 pts · high 3.55% / low 3.03%
- 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%
▲ 0.60% above Wyoming avg
▼
Rate3.50%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.95%▲ 0.60% 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%
- 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%
▲ 0.55% above Wyoming avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average2.95%▲ 0.55% above avgNationally 2.88%
Details
Dividends Post Quarterly
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 9 times
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
IRA Certificates - 18 Month Certificate
$0
3.50%
▲ 0.55% above Wyoming avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average2.95%▲ 0.55% above avgNationally 2.88%
Details
Dividends Post Quarterly
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
18 Month Variable Certificate @ 50% of Wall Street Journal Prime
$0
3.42%
▲ 0.47% above Wyoming avg
▼
Rate3.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average2.95%▲ 0.47% above avgNationally 2.88%
Details
Variable rate: 50% of Wall Street Journal Prime; footnotes a,b,d: early withdrawal penalty may apply, interest based on daily collected balance, must have open transaction account
Rate History
No change since Oct 15, 2026 · 3.42% APY
Big Horn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
18 month CD
$500
3.41%
▲ 0.46% above Wyoming avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average2.95%▲ 0.46% above avgNationally 2.88%
Details
Balance: Entire Balance
Rate History
No change since Sep 11, 2026 · 3.41% APY · checked 10 times
WyHy Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.60%
18 Month Jumbo Term Certificates
$50,000
3.40%
▲ 0.45% above Wyoming avg
▼
Rate3.36%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average2.95%▲ 0.45% above avgNationally 2.88%
Details
Fixed rate for term, Quarterly Paid Interest; Jumbo IRA Term Certificates listed under same table
Rate History
No change since Oct 8, 2026 · 3.40% APY · checked 2 times
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
18 Month Certificate
$200
3.40%
▲ 0.45% above Wyoming avg
▼
Rate3.36%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average2.95%▲ 0.45% above avgNationally 2.88%
Details
Rate History
No change since Oct 6, 2026 · 3.40% APY · checked 4 times
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Business 18 Month Certificate
$200
3.40%
▲ 0.45% above Wyoming avg
▼
Rate3.36%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average2.95%▲ 0.45% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 6 times
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
18 Month Certificate
$0
3.39%
▲ 0.44% above Wyoming avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average2.95%▲ 0.44% above avgNationally 2.88%
Details
Rate History
2 changes since Sep 14, 2026 · 3.39% → 3.39% ▼ 0.00 pts · high 3.39% / low 3.29%
- Oct 15, 20263.39%▲ from 3.29%
- Oct 14, 20263.29%▼ from 3.39%
- Sep 14, 20263.39%first recorded
WyHy Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.60%
Term Certificates & IRA Term Certificates - 18 Months
$500
3.35%
▲ 0.40% above Wyoming avg
▼
Rate3.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average2.95%▲ 0.40% above avgNationally 2.88%
Details
Fixed rate for term; Quarterly Paid Interest
Rate History
No change since Sep 12, 2026 · 3.35% APY · checked 2 times
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
18 Month Certificate
$0
3.29%
▲ 0.34% above Wyoming avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average2.95%▲ 0.34% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.39% → 3.29% ▼ 0.10 pts · high 3.39% / low 3.29%
- Oct 14, 20263.29%▼ from 3.39%
- Sep 14, 20263.39%first recorded
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
18 Month Share Certificate
$500
3.20%
▲ 0.25% above Wyoming avg
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average2.95%▲ 0.25% above avgNationally 2.88%
Details
Pay monthly; $500 minimum deposit; Share Certificates may be added to in $100 increments up to an additional $5,000 during the term; Membership required
Rate History
No change since Sep 20, 2026 · 3.20% APY · checked 4 times
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Share Certificate - 18 months
$500
3.20%
▲ 0.25% above Wyoming avg
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average2.95%▲ 0.25% 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; Membership required
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 6 times
Security State Bank Basin, WY
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
IRA 18 Month CD
$1,000
3.04%
▲ 0.09% above Wyoming avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.95%▲ 0.09% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 3.04% APY
Western Vista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
18 Month Share Certificate
$0
3.00%
▲ 0.05% above Wyoming avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average2.95%▲ 0.05% above avgNationally 2.88%
Details
Balance: $500+
Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 3 times
Western Vista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
Traditional & ROTH IRA - 18 Mos.
$500
3.00%
▲ 0.05% above Wyoming avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average2.95%▲ 0.05% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 3 times
Citco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
18 Month Share Certificates
$0
2.79%
▼ 0.16% below Wyoming avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average2.95%▼ 0.16% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 2.79% APY · checked 6 times
Sunlight Federal Credit Union
Institution Rating:
D3.2 ★Texas Ratio: 37.01%
18 Month Share Certificate
$500
2.78%
▼ 0.17% below Wyoming avg
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average2.95%▼ 0.17% below avgNationally 2.88%
Details
Early Withdrawal Penalty: 180 Days Interest
Rate History
No change since Sep 18, 2026 · 2.78% APY · checked 7 times
Security State Bank Basin, WY
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
18 Month CD
$1,000
2.63%
▼ 0.32% below Wyoming avg
▼
Rate2.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average2.95%▼ 0.32% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 2.63% APY · checked 8 times
First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
18-Month Certificate
$0
2.53%
▼ 0.42% below Wyoming avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average2.95%▼ 0.42% below avgNationally 2.88%
Details
Payment frequency: quarterly; Early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 6 times
Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
18 Month Share Certificate
$500
2.31%
▼ 0.64% below Wyoming avg
▼
Rate2.29%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average2.95%▼ 0.64% below avgNationally 2.88%
Details
Rate History
No change since Sep 12, 2026 · 2.31% APY · checked 7 times
Hilltop National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
18 Month Certificate of Deposit
$1,000
1.66%
▼ 1.29% below Wyoming avg
▼
Rate1.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average2.95%▼ 1.29% below avgNationally 2.88%
Details
Balance: $50,000 +
Rate History
No change since Oct 14, 2026 · 1.66% APY · checked 2 times
Hilltop National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
18 Month Certificate of Deposit
$1,000
1.61%
▼ 1.34% below Wyoming avg
▼
Rate1.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average2.95%▼ 1.34% below avgNationally 2.88%
Details
Balance: $1,000 - $49,999
Rate History
No change since Oct 14, 2026 · 1.61% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
18 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.20% below Wyoming avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average2.95%▼ 2.20% below avgNationally 2.88%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
18 Month Standard CD
$1,000
0.75%
▼ 2.20% below Wyoming avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average2.95%▼ 2.20% below avgNationally 2.88%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
Four Corners 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Buffalo Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
24 Month CD
$500
4.19%
▲ 1.01% above Wyoming avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Wyoming Average3.18%▲ 1.01% above avgNationally 2.90%
Details
Rate History
No change since Oct 11, 2026 · 4.19% APY
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
24 Month Certificate
$500
4.18%
▲ 1.00% above Wyoming avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.18%▲ 1.00% above avgNationally 2.90%
Details
Certificate and IRA Certificate Special. Penalty for early withdrawal. Limited time special! 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%
- Oct 14, 20264.18%▲ from 3.66%
- Sep 14, 20263.66%first recorded
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Business Share Certificate - 24 Month Certificate
$500
4.18%
▲ 1.00% above Wyoming avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.18%▲ 1.00% above avgNationally 2.90%
Details
Certificate Special. Penalty for early withdrawal. Limited time special. Rates effective as of October 1, 2026.
Rate History
No change since Oct 19, 2026 · 4.18% APY
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
Certificates of Deposit - 24 Month - Platinum Rate
$500
3.84%
▲ 0.66% above Wyoming avg
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.18%▲ 0.66% above avgNationally 2.90%
Details
Platinum Rate (dividend rate; APY not separately published)
Rate History
No change since Oct 19, 2026 · 3.84% APY
StagePoint Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
24 Month Share Certificate Accounts
$0
3.82%
▲ 0.64% above Wyoming avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.18%▲ 0.64% above avgNationally 2.90%
Details
Dividend rate printed as: As high as 3.75%; Balance: minimum average daily balance $500.00
Rate History
No change since Sep 25, 2026 · 3.82% APY · checked 5 times
Grand Altitude Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
Share & IRA Certificates - 24 Month
$0
3.80%
▲ 0.62% above Wyoming avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.18%▲ 0.62% above avgNationally 2.90%
Details
Balance $50,000 or more receives a 10 basis point premium; early withdrawal penalties apply
Rate History
No change since Oct 9, 2026 · 3.80% APY · checked 3 times
Sheridan Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
Certificate of Deposit - 24 months
$0
3.75%
▲ 0.57% above Wyoming avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.18%▲ 0.57% above avgNationally 2.90%
Details
Effective Date: December 29, 2025
Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 5 times
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Share Certificates - 24 months
$0
3.75%
▲ 0.57% above Wyoming avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.18%▲ 0.57% above avgNationally 2.90%
Details
Interest Rate: 3.69%; APY: 3.75%
Rate History
No change since Oct 12, 2026 · 3.75% APY · checked 2 times
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
2 Year CDs and IRAs
$0
3.70%
▲ 0.52% above Wyoming avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.18%▲ 0.52% above avgNationally 2.90%
Details
Penalties may apply for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.70% APY · checked 2 times
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
CD's & IRA's - 2 Year
$0
3.70%
▲ 0.52% above Wyoming avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.18%▲ 0.52% above avgNationally 2.90%
Details
Balance: $100,000.00 minimum; penalties may apply for early withdrawal
Rate History
No change since Oct 20, 2026 · 3.70% APY
Uniwyo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
2 Year Share Certificate
$100
3.70%
▲ 0.52% above Wyoming avg
▼
Rate3.65%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.18%▲ 0.52% above avgNationally 2.90%
Details
Rate History
No change since Sep 20, 2026 · 3.70% APY · checked 5 times
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
Certificates of Deposit - 24 Month - Honors Rate
$500
3.69%
▲ 0.51% above Wyoming avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.18%▲ 0.51% above avgNationally 2.90%
Details
Honors Rate (dividend rate; APY not separately published)
Rate History
No change since Oct 19, 2026 · 3.69% APY
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
Certificates of Deposit - 24 Month
$500
3.65%
▲ 0.47% above Wyoming avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.18%▲ 0.47% above avgNationally 2.90%
Details
Rate History
No change since Oct 19, 2026 · 3.65% APY
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
IRA Share 24 Month
$500
3.65%
▲ 0.47% above Wyoming avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.18%▲ 0.47% above avgNationally 2.90%
Details
Rate History
No change since Oct 19, 2026 · 3.65% APY
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Certificates of Deposit - 24 Month
$0
3.60%
▲ 0.42% above Wyoming avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.18%▲ 0.42% above avgNationally 2.90%
Details
Balance: $1,000 or more
Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 2 times
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
2 Year CD's & IRA's
$0
3.60%
▲ 0.42% above Wyoming avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.18%▲ 0.42% above avgNationally 2.90%
Details
Balance: $25,000.00 - $99,999.99; penalties may apply for early withdraw
Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 2 times
FNB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
24 Month Certificate of Deposit
$100
3.60%
▲ 0.42% above Wyoming avg
▼
Rate3.55%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.18%▲ 0.42% above avgNationally 2.90%
Details
Rates effective 09/24/2026
Rate History
1 change since Sep 24, 2026 · 2.93% → 3.60% ▲ 0.67 pts · high 3.60% / low 2.93%
- 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 CD
$0
3.50%
▲ 0.32% above Wyoming avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.18%▲ 0.32% above avgNationally 2.90%
Details
Balance: $1,000 - $25,000; penalties may apply for early withdrawal
Rate History
No change since Oct 20, 2026 · 3.50% APY
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
CDs and IRAs - 2 Year
$0
3.50%
▲ 0.32% above Wyoming avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.18%▲ 0.32% above avgNationally 2.90%
Details
$1,000-$25,000; Balance: $1,000.00 - $25,000.00; penalties may apply for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
Big Horn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
2 year CD
$500
3.48%
▲ 0.30% above Wyoming avg
▼
Rate3.42%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.18%▲ 0.30% above avgNationally 2.90%
Details
Balance: Entire Balance
Rate History
No change since Sep 11, 2026 · 3.48% APY · checked 10 times
WyHy Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.60%
24 Month Jumbo Term Certificates
$50,000
3.35%
▲ 0.17% above Wyoming avg
▼
Rate3.31%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.18%▲ 0.17% above avgNationally 2.90%
Details
Fixed rate for term, Quarterly Paid Interest; Jumbo IRA Term Certificates listed under same table
Rate History
No change since Oct 8, 2026 · 3.35% APY · checked 2 times
WyHy Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.60%
Term Certificates & IRA Term Certificates - 24 Months
$500
3.30%
▲ 0.12% above Wyoming avg
▼
Rate3.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.18%▲ 0.12% above avgNationally 2.90%
Details
Fixed rate for term; Quarterly Paid Interest
Rate History
No change since Sep 12, 2026 · 3.30% APY · checked 2 times
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
24 Month Certificate
$0
3.30%
▲ 0.12% above Wyoming avg
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.18%▲ 0.12% above avgNationally 2.90%
Details
Dividends Post Quarterly
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 9 times
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
IRA Certificates - 24 Month Certificate
$0
3.30%
▲ 0.12% above Wyoming avg
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.18%▲ 0.12% above avgNationally 2.90%
Details
Dividends Post Quarterly
Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 2 times
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
2 Year Certificate
$0
3.29%
▲ 0.11% above Wyoming avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.18%▲ 0.11% above avgNationally 2.90%
Details
Rate History
2 changes since Sep 14, 2026 · 3.29% → 3.29% ▼ 0.00 pts · high 3.29% / low 3.19%
- Oct 15, 20263.29%▲ from 3.19%
- Oct 14, 20263.19%▼ from 3.29%
- Sep 14, 20263.29%first recorded
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
24 Month Share Certificate
$500
3.25%
▲ 0.07% above Wyoming avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.18%▲ 0.07% above avgNationally 2.90%
Details
Pay monthly; $500 minimum deposit; Share Certificates may be added to in $100 increments up to an additional $5,000 during the term; Membership required
Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 4 times
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Share Certificate - 24 months
$500
3.25%
▲ 0.07% above Wyoming avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.18%▲ 0.07% above avgNationally 2.90%
Details
Pay monthly; Share Certificates may be added to in $100 increments up to an additional $5,000 during the term; Membership required
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 6 times
Acpe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
24 Month Share Certificate
$0
3.25%
▲ 0.07% above Wyoming avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.18%▲ 0.07% above avgNationally 2.90%
Details
Dividend Rates for Share Certificates
Rate History
No change since Oct 9, 2026 · 3.25% APY · checked 2 times
CAMPCO
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
Share Certificate - 24 Month
$0
3.25%
▲ 0.07% above Wyoming avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.18%▲ 0.07% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
- 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%
▲ 0.02% above Wyoming avg
▼
Rate3.16%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.18%▲ 0.02% above avgNationally 2.90%
Details
Rate History
No change since Oct 6, 2026 · 3.20% APY · checked 4 times
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Business 24 Month Certificate
$200
3.20%
▲ 0.02% above Wyoming avg
▼
Rate3.16%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.18%▲ 0.02% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 6 times
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
2 Year Certificate
$0
3.19%
▲ 0.01% above Wyoming avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.18%▲ 0.01% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.29% → 3.19% ▼ 0.10 pts · high 3.29% / low 3.19%
- Oct 14, 20263.19%▼ from 3.29%
- Sep 14, 20263.29%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2-Year Certificate
$25,000
3.05%
▼ 0.13% below Wyoming avg
▼
Rate3.01%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.18%▼ 0.13% below avgNationally 2.90%
Details
$25,000 min. deposit; Effective Date: 02/04/2026
Rate History
1 change since Sep 18, 2026 · 2.95% → 3.05% ▲ 0.10 pts · high 3.05% / low 2.95%
- Oct 20, 20263.05%▲ 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
$100,000
3.05%
▼ 0.13% below Wyoming avg
▼
Rate3.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.18%▼ 0.13% below avgNationally 2.90%
Details
Jumbo: $100,000 min. deposit
Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 9 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
Jumbo 2-Year Certificate
$100,000
3.05%
▼ 0.13% below Wyoming avg
▼
Rate3.01%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.18%▼ 0.13% below avgNationally 2.90%
Details
$100,000 min. deposit (Jumbo)
Rate History
No change since Oct 20, 2026 · 3.05% APY
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2-Year Certificate
$50,000
3.00%
▼ 0.18% below Wyoming avg
▼
Rate2.96%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.18%▼ 0.18% below avgNationally 2.90%
Details
$50,000 min. deposit
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 9 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2-Year IRA
$50,000
3.00%
▼ 0.18% below Wyoming avg
▼
Rate2.96%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.18%▼ 0.18% below avgNationally 2.90%
Details
Fixed Rate Accounts; $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%
- 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
$0
3.00%
▼ 0.18% below Wyoming avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.18%▼ 0.18% below avgNationally 2.90%
Details
Balance: $500+
Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 3 times
Western Vista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
Traditional & ROTH IRA - 24 Mos.
$500
3.00%
▼ 0.18% below Wyoming avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.18%▼ 0.18% below avgNationally 2.90%
Details
Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 3 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2-Year Certificate
$25,000
2.95%
▼ 0.23% below Wyoming avg
▼
Rate2.91%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.18%▼ 0.23% below avgNationally 2.90%
Details
$25,000 min. deposit; Rates for California
Rate History
No change since Sep 18, 2026 · 2.95% APY · checked 9 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2-Year IRA
$25,000
2.95%
▼ 0.23% below Wyoming avg
▼
Rate2.91%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.18%▼ 0.23% below avgNationally 2.90%
Details
Balance: $25,000 min. deposit; Fixed Rate Accounts; 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%
- 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%
▼ 0.28% below Wyoming avg
▼
Rate2.86%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.18%▼ 0.28% below avgNationally 2.90%
Details
Rates for California; Effective Date: 02/04/2026
Rate History
1 change since Sep 18, 2026 · 2.95% → 2.90% ▼ 0.05 pts · high 2.95% / low 2.90%
- 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%
▼ 0.28% below Wyoming avg
▼
Rate2.86%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.18%▼ 0.28% below avgNationally 2.90%
Details
Dividend Rate 2.859%; Rates for California
Rate History
2 changes since Sep 18, 2026 · 3.00% → 2.90% ▼ 0.10 pts · high 3.00% / low 2.90%
- Oct 7, 20262.90%▼ from 2.95%
- Sep 24, 20262.95%▼ from 3.00%
- Sep 18, 20263.00%first recorded
Security State Bank Basin, WY
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
24 Month CD
$1,000
2.78%
▼ 0.40% below Wyoming avg
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.18%▼ 0.40% below avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 2.78% APY · checked 8 times
Sunlight Federal Credit Union
Institution Rating:
D3.2 ★Texas Ratio: 37.01%
2 Year Share Certificate
$500
2.78%
▼ 0.40% below Wyoming avg
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.18%▼ 0.40% below avgNationally 2.90%
Details
Early Withdrawal Penalty: 180 Days Interest
Rate History
No change since Sep 18, 2026 · 2.78% APY · checked 7 times
First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
24-Month Certificate
$0
2.63%
▼ 0.55% below Wyoming avg
▼
Rate2.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.18%▼ 0.55% below avgNationally 2.90%
Details
Payment frequency: quarterly; Early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 2.63% APY · checked 6 times
First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
IRA 24-Month Certificate
$0
2.63%
▼ 0.55% below Wyoming avg
▼
Rate2.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.18%▼ 0.55% below avgNationally 2.90%
Details
Rate History
No change since Oct 12, 2026 · 2.63% APY · checked 2 times
Citco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
24 Month Share Certificates
$0
2.53%
▼ 0.65% below Wyoming avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.18%▼ 0.65% below avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 6 times
Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
24 Month Share Certificate
$500
2.36%
▼ 0.82% below Wyoming avg
▼
Rate2.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.18%▼ 0.82% below avgNationally 2.90%
Details
Rate History
No change since Sep 12, 2026 · 2.36% APY · checked 7 times
Hilltop National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
24 Month Certificate of Deposit
$1,000
1.76%
▼ 1.42% below Wyoming avg
▼
Rate1.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.18%▼ 1.42% below avgNationally 2.90%
Details
Balance: $50,000 +
Rate History
No change since Oct 14, 2026 · 1.76% APY · checked 2 times
Four Corners 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Share Certificates - 36 months
$0
4.30%
▲ 1.18% above Wyoming avg
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.12%▲ 1.18% above avgNationally 2.82%
Details
Interest Rate: 4.23%; APY: 4.30%
Rate History
No change since Oct 12, 2026 · 4.30% APY · checked 2 times
Grand Altitude Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
Share & IRA Certificates - 36 Month
$0
3.85%
▲ 0.73% above Wyoming avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.12%▲ 0.73% above avgNationally 2.82%
Details
Balance $50,000 or more receives a 10 basis point premium; early withdrawal penalties apply
Rate History
No change since Oct 9, 2026 · 3.85% APY · checked 3 times
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
Certificates of Deposit - 36 Month - Platinum Rate
$500
3.84%
▲ 0.72% above Wyoming avg
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.12%▲ 0.72% above avgNationally 2.82%
Details
Platinum Rate (dividend rate; APY not separately published)
Rate History
No change since Oct 19, 2026 · 3.84% APY
StagePoint Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
36 Month Share Certificate Accounts
$0
3.82%
▲ 0.70% above Wyoming avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.12%▲ 0.70% above avgNationally 2.82%
Details
Dividend rate printed as: As high as 3.75%; Balance: minimum average daily balance $500.00
Rate History
No change since Sep 25, 2026 · 3.82% APY · checked 5 times
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
3 Year CDs and IRAs
$0
3.75%
▲ 0.63% above Wyoming avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.12%▲ 0.63% above avgNationally 2.82%
Details
Penalties may apply for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
CD's & IRA's - 3 Year
$0
3.75%
▲ 0.63% above Wyoming avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.12%▲ 0.63% above avgNationally 2.82%
Details
Balance: $100,000.00 minimum; penalties may apply for early withdrawal
Rate History
No change since Oct 20, 2026 · 3.75% APY
Uniwyo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
3 Year Share Certificate
$100
3.75%
▲ 0.63% above Wyoming avg
▼
Rate3.70%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.12%▲ 0.63% above avgNationally 2.82%
Details
Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 5 times
Uniwyo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
IRA and HSA Share Certificate - 3 Year IRA
$100
3.75%
▲ 0.63% above Wyoming avg
▼
Rate3.70%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.12%▲ 0.63% above avgNationally 2.82%
Details
Not eligible for the military or youth 0.50% APY rate increase
Rate History
No change since Oct 12, 2026 · 3.75% APY · checked 2 times
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Certificates of Deposit - 36 Month
$0
3.70%
▲ 0.58% above Wyoming avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.12%▲ 0.58% above avgNationally 2.82%
Details
Balance: $1,000 or more
Rate History
No change since Oct 14, 2026 · 3.70% APY · checked 2 times
Big Horn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
3 year CD
$500
3.69%
▲ 0.57% above Wyoming avg
▼
Rate3.62%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.12%▲ 0.57% above avgNationally 2.82%
Details
Balance: Entire Balance
Rate History
No change since Sep 11, 2026 · 3.69% APY · checked 10 times
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
Certificates of Deposit - 36 Month - Honors Rate
$500
3.69%
▲ 0.57% above Wyoming avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.12%▲ 0.57% above avgNationally 2.82%
Details
Honors Rate (dividend rate; APY not separately published)
Rate History
No change since Oct 19, 2026 · 3.69% APY
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
3 Year CD's & IRA's
$0
3.65%
▲ 0.53% above Wyoming avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.12%▲ 0.53% above avgNationally 2.82%
Details
Balance: $25,000.00 - $99,999.99; penalties may apply for early withdraw
Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 2 times
FNB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
36 Month Certificate of Deposit
$100
3.65%
▲ 0.53% above Wyoming avg
▼
Rate3.60%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.12%▲ 0.53% above avgNationally 2.82%
Details
Rates effective 09/24/2026
Rate History
1 change since Sep 24, 2026 · 2.93% → 3.65% ▲ 0.72 pts · high 3.65% / low 2.93%
- Oct 3, 20263.65%▲ from 2.93%
- Sep 24, 20262.93%first recorded
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
Certificates of Deposit - 36 Month
$500
3.65%
▲ 0.53% above Wyoming avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.12%▲ 0.53% above avgNationally 2.82%
Details
Rate History
No change since Oct 19, 2026 · 3.65% APY
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
IRA Share 36 Month
$500
3.65%
▲ 0.53% above Wyoming avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.12%▲ 0.53% above avgNationally 2.82%
Details
Rate History
No change since Oct 19, 2026 · 3.65% APY
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
3 Year CD
$0
3.55%
▲ 0.43% above Wyoming avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.12%▲ 0.43% above avgNationally 2.82%
Details
Balance: $1,000 - $25,000; penalties may apply for early withdrawal
Rate History
No change since Oct 20, 2026 · 3.55% APY
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
CDs and IRAs - 3 Year
$0
3.55%
▲ 0.43% above Wyoming avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.12%▲ 0.43% above avgNationally 2.82%
Details
$1,000-$25,000; Balance: $1,000.00 - $25,000.00; penalties may apply for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 2 times
WyHy Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.60%
36 Month Jumbo Term Certificates
$50,000
3.40%
▲ 0.28% above Wyoming avg
▼
Rate3.36%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.12%▲ 0.28% above avgNationally 2.82%
Details
Fixed rate for term, Quarterly Paid Interest; Jumbo IRA Term Certificates listed under same table
Rate History
No change since Oct 8, 2026 · 3.40% APY · checked 2 times
WyHy Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.60%
Term Certificates & IRA Term Certificates - 36 Months
$500
3.35%
▲ 0.23% above Wyoming avg
▼
Rate3.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.12%▲ 0.23% above avgNationally 2.82%
Details
Fixed rate for term; Quarterly Paid Interest
Rate History
No change since Sep 12, 2026 · 3.35% APY · checked 2 times
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
36 Month Share Certificate
$500
3.30%
▲ 0.18% above Wyoming avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.12%▲ 0.18% above avgNationally 2.82%
Details
Pay monthly; $500 minimum deposit; Share Certificates may be added to in $100 increments up to an additional $5,000 during the term; Membership required
Rate History
No change since Sep 20, 2026 · 3.30% APY · checked 4 times
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Share Certificate - 36 months
$500
3.30%
▲ 0.18% above Wyoming avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.12%▲ 0.18% above avgNationally 2.82%
Details
Pay monthly; Share Certificates may be added to in $100 increments up to an additional $5,000 during the term; Membership required
Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 6 times
Acpe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
36 Month Share Certificate
$0
3.30%
▲ 0.18% above Wyoming avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.12%▲ 0.18% above avgNationally 2.82%
Details
Dividend Rates for Share Certificates
Rate History
No change since Oct 9, 2026 · 3.30% APY · checked 2 times
Sheridan Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
36 Month Certificate of Deposit
$500
3.25%
▲ 0.13% above Wyoming avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.12%▲ 0.13% above avgNationally 2.82%
Details
Effective Date: December 29, 2025; Open with a $500 minimum deposit
Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 4 times
Sheridan Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
Certificate of Deposit - 36 months
$0
3.25%
▲ 0.13% above Wyoming avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.12%▲ 0.13% above avgNationally 2.82%
Details
Effective Date: December 29, 2025
Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 5 times
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
36 Month Certificate
$0
3.25%
▲ 0.13% above Wyoming avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.12%▲ 0.13% above avgNationally 2.82%
Details
Dividends Post Quarterly
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 9 times
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
IRA Certificates - 36 Month Certificate
$0
3.25%
▲ 0.13% above Wyoming avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.12%▲ 0.13% above avgNationally 2.82%
Details
Dividends Post Quarterly
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 2 times
CAMPCO
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
Share Certificate - 36 Month
$0
3.25%
▲ 0.13% above Wyoming avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.12%▲ 0.13% above avgNationally 2.82%
Details
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
- 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
$0
3.14%
▲ 0.02% above Wyoming avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.12%▲ 0.02% above avgNationally 2.82%
Details
Rate History
2 changes since Sep 14, 2026 · 3.14% → 3.14% ▼ 0.00 pts · high 3.14% / low 3.03%
- Oct 15, 20263.14%▲ from 3.03%
- Oct 14, 20263.03%▼ from 3.14%
- Sep 14, 20263.14%first recorded
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
36 Month Certificate
$200
3.10%
▼ 0.02% below Wyoming avg
▼
Rate3.07%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.12%▼ 0.02% below avgNationally 2.82%
Details
Rate History
No change since Oct 6, 2026 · 3.10% APY · checked 4 times
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Business 36 Month Certificate
$200
3.10%
▼ 0.02% below Wyoming avg
▼
Rate3.07%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.12%▼ 0.02% below avgNationally 2.82%
Details
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 6 times
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
3 Year Certificate
$0
3.03%
▼ 0.09% below Wyoming avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.12%▼ 0.09% below avgNationally 2.82%
Details
Rate History
1 change since Sep 14, 2026 · 3.14% → 3.03% ▼ 0.11 pts · high 3.14% / low 3.03%
- Oct 14, 20263.03%▼ from 3.14%
- Sep 14, 20263.14%first recorded
Western Vista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
36 Month Share Certificate
$0
3.00%
▼ 0.12% below Wyoming avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.12%▼ 0.12% below avgNationally 2.82%
Details
Balance: $500+
Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 3 times
Western Vista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
Traditional & ROTH IRA - 36 Mos.
$500
3.00%
▼ 0.12% below Wyoming avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.12%▼ 0.12% below avgNationally 2.82%
Details
Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 3 times
Security State Bank Basin, WY
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
IRA 36 Month CD
$1,000
2.78%
▼ 0.34% below Wyoming avg
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.12%▼ 0.34% below avgNationally 2.82%
Details
Rate History
No change since Oct 14, 2026 · 2.78% APY
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Year Certificate
$0
2.70%
▼ 0.42% below Wyoming avg
▼
Rate2.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.12%▼ 0.42% below avgNationally 2.82%
Details
Rate History
No change since Sep 18, 2026 · 2.70% APY · checked 9 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Year IRA
$1,000
2.70%
▼ 0.42% below Wyoming avg
▼
Rate2.66%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.12%▼ 0.42% below avgNationally 2.82%
Details
Fixed Rate Accounts; Effective Date: 02/04/2026; Rates for California; Page context lists 3-Year IRA at 2.518% dividend / 2.55% APY, which conflicts with this table
Rate History
1 change since Sep 24, 2026 · 2.60% → 2.70% ▲ 0.10 pts · high 2.70% / low 2.60%
- 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%
Jumbo 3-Year Certificate
$100,000
2.70%
▼ 0.42% below Wyoming avg
▼
Rate2.67%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.12%▼ 0.42% below avgNationally 2.82%
Details
$100,000 min. deposit (Jumbo)
Rate History
No change since Oct 7, 2026 · 2.70% APY · checked 3 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Year Certificate
$50,000
2.65%
▼ 0.47% below Wyoming avg
▼
Rate2.62%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.12%▼ 0.47% below avgNationally 2.82%
Details
$50,000 min. deposit; Rates for California
Rate History
No change since Sep 18, 2026 · 2.65% APY · checked 9 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Year IRA
$0
2.65%
▼ 0.47% below Wyoming avg
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.12%▼ 0.47% below avgNationally 2.82%
Details
Balance: $50,000 min. deposit; 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%
- 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%
▼ 0.52% below Wyoming avg
▼
Rate2.57%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.12%▼ 0.52% below avgNationally 2.82%
Details
$25,000 min. deposit tier; Dividend Rate 2.570%
Rate History
No change since Sep 18, 2026 · 2.60% APY · checked 9 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Year IRA
$0
2.60%
▼ 0.52% below Wyoming avg
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.12%▼ 0.52% below avgNationally 2.82%
Details
Balance: $25,000 min. deposit; Effective Date: 02/04/2026
Rate History
No change since Sep 24, 2026 · 2.60% APY · checked 8 times
Security State Bank Basin, WY
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
36 Month CD
$1,000
2.58%
▼ 0.54% below Wyoming avg
▼
Rate2.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.12%▼ 0.54% below avgNationally 2.82%
Details
Rate History
No change since Sep 14, 2026 · 2.58% APY · checked 8 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Year Certificate
$1,000
2.55%
▼ 0.57% below Wyoming avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.12%▼ 0.57% below avgNationally 2.82%
Details
Share Certificate Rates; Rates for California
Rate History
No change since Sep 18, 2026 · 2.55% APY · checked 9 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Year IRA
$1,000
2.55%
▼ 0.57% below Wyoming avg
▼
Rate2.52%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.12%▼ 0.57% below avgNationally 2.82%
Details
Fixed Rate Accounts; IRA; 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%
- 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%
▼ 0.57% below Wyoming avg
▼
Rate2.52%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.12%▼ 0.57% below avgNationally 2.82%
Details
Rates for California; Effective Date: 02/04/2026
Rate History
No change since Oct 14, 2026 · 2.55% APY · checked 2 times
Sunlight Federal Credit Union
Institution Rating:
D3.2 ★Texas Ratio: 37.01%
3 Year Share Certificate
$500
2.53%
▼ 0.59% below Wyoming avg
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.12%▼ 0.59% below avgNationally 2.82%
Details
Early Withdrawal Penalty: 180 Days Interest
Rate History
No change since Sep 18, 2026 · 2.53% APY · checked 7 times
Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
36 Month Share Certificate
$500
2.41%
▼ 0.71% below Wyoming avg
▼
Rate2.39%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.12%▼ 0.71% below avgNationally 2.82%
Details
Rate History
No change since Sep 12, 2026 · 2.41% APY · checked 7 times
First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
36-Month Certificate
$0
1.00%
▼ 2.12% below Wyoming avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.12%▼ 2.12% below avgNationally 2.82%
Details
Payment frequency: quarterly; Early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
IRA 36-Month Certificate
$0
1.00%
▼ 2.12% below Wyoming avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.12%▼ 2.12% below avgNationally 2.82%
Details
Rate History
No change since Oct 12, 2026 · 1.00% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
36 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.37% below Wyoming avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.12%▼ 2.37% below avgNationally 2.82%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
Four Corners 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Share Certificates - 48 months
$0
4.40%
▲ 1.34% above Wyoming avg
▼
Rate4.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.06%▲ 1.34% above avgNationally 2.82%
Details
Interest Rate: 4.32%; APY: 4.40%
Rate History
No change since Oct 12, 2026 · 4.40% APY · checked 2 times
Grand Altitude Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
Share & IRA Certificates - 48 Month
$0
3.90%
▲ 0.84% above Wyoming avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.06%▲ 0.84% above avgNationally 2.82%
Details
Balance $50,000 or more receives a 10 basis point premium; early withdrawal penalties apply
Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 3 times
StagePoint Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
48 Month Share Certificate Accounts
$0
3.82%
▲ 0.76% above Wyoming avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.06%▲ 0.76% above avgNationally 2.82%
Details
Dividend rate printed as: As high as 3.75%; Balance: minimum average daily balance $500.00
Rate History
No change since Sep 25, 2026 · 3.82% APY · checked 5 times
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Certificates of Deposit - 48 Month
$0
3.80%
▲ 0.74% above Wyoming avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.06%▲ 0.74% above avgNationally 2.82%
Details
Balance: $1,000 or more
Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 2 times
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
4 Year CDs and IRAs
$0
3.80%
▲ 0.74% above Wyoming avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.06%▲ 0.74% above avgNationally 2.82%
Details
Penalties may apply for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 2 times
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
CD's & IRA's - 4 Year
$0
3.80%
▲ 0.74% above Wyoming avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.06%▲ 0.74% above avgNationally 2.82%
Details
Balance: $100,000.00 minimum; penalties may apply for early withdrawal
Rate History
No change since Oct 20, 2026 · 3.80% APY
Uniwyo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
4 Year Share Certificate
$100
3.80%
▲ 0.74% above Wyoming avg
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.06%▲ 0.74% above avgNationally 2.82%
Details
Rate History
No change since Sep 20, 2026 · 3.80% APY · checked 5 times
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
Certificates of Deposit - 48 Month - Platinum Rate
$500
3.79%
▲ 0.73% above Wyoming avg
▼
Rate3.79%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.06%▲ 0.73% above avgNationally 2.82%
Details
Platinum Rate (dividend rate; APY not separately published)
Rate History
No change since Oct 19, 2026 · 3.79% APY
Big Horn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
4 year CD
$500
3.77%
▲ 0.71% above Wyoming avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.06%▲ 0.71% above avgNationally 2.82%
Details
Balance: Entire Balance
Rate History
No change since Sep 11, 2026 · 3.77% APY · checked 10 times
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
4 Year CD's & IRA's
$0
3.70%
▲ 0.64% above Wyoming avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.06%▲ 0.64% above avgNationally 2.82%
Details
Balance: $25,000.00 - $99,999.99; penalties may apply for early withdraw
Rate History
No change since Oct 14, 2026 · 3.70% APY · checked 2 times
FNB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
48 Month Certificate of Deposit
$100
3.70%
▲ 0.64% above Wyoming avg
▼
Rate3.65%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.06%▲ 0.64% above avgNationally 2.82%
Details
Rates effective 09/24/2026
Rate History
1 change since Sep 24, 2026 · 2.93% → 3.70% ▲ 0.77 pts · high 3.70% / low 2.93%
- Oct 3, 20263.70%▲ from 2.93%
- Sep 24, 20262.93%first recorded
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
Certificates of Deposit - 48 Month - Honors Rate
$500
3.64%
▲ 0.58% above Wyoming avg
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.06%▲ 0.58% above avgNationally 2.82%
Details
Honors Rate (dividend rate; APY not separately published)
Rate History
No change since Oct 19, 2026 · 3.64% APY
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
4 Year CD
$0
3.60%
▲ 0.54% above Wyoming avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.06%▲ 0.54% above avgNationally 2.82%
Details
Balance: $1,000 - $25,000; penalties may apply for early withdrawal
Rate History
No change since Oct 20, 2026 · 3.60% APY
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
CDs and IRAs - 4 Year
$0
3.60%
▲ 0.54% above Wyoming avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.06%▲ 0.54% above avgNationally 2.82%
Details
$1,000-$25,000; Balance: $1,000.00 - $25,000.00; penalties may apply for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 2 times
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
Certificates of Deposit - 48 Month
$500
3.60%
▲ 0.54% above Wyoming avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.06%▲ 0.54% above avgNationally 2.82%
Details
Rate History
No change since Oct 19, 2026 · 3.60% APY
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
IRA Share 48 Month
$500
3.60%
▲ 0.54% above Wyoming avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.06%▲ 0.54% above avgNationally 2.82%
Details
Rate History
No change since Oct 19, 2026 · 3.60% APY
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
4 Year Certificate
$0
3.39%
▲ 0.33% above Wyoming avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.06%▲ 0.33% above avgNationally 2.82%
Details
Rate History
2 changes since Sep 14, 2026 · 3.39% → 3.39% ▼ 0.00 pts · high 3.39% / low 3.29%
- Oct 15, 20263.39%▲ from 3.29%
- Oct 14, 20263.29%▼ from 3.39%
- Sep 14, 20263.39%first recorded
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
48 Month Share Certificate
$500
3.35%
▲ 0.29% above Wyoming avg
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.06%▲ 0.29% above avgNationally 2.82%
Details
Pay monthly; $500 minimum deposit; Share Certificates may be added to in $100 increments up to an additional $5,000 during the term; Membership required
Rate History
No change since Sep 20, 2026 · 3.35% APY · checked 4 times
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Share Certificate - 48 months
$500
3.35%
▲ 0.29% above Wyoming avg
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.06%▲ 0.29% above avgNationally 2.82%
Details
Pay monthly; Share Certificates may be added to in $100 increments up to an additional $5,000 during the term; Membership required
Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 6 times
Acpe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
48 Month Share Certificate
$0
3.35%
▲ 0.29% above Wyoming avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.06%▲ 0.29% above avgNationally 2.82%
Details
Dividend Rates for Share Certificates
Rate History
No change since Oct 9, 2026 · 3.35% APY · checked 2 times
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
48 Month Certificate
$0
3.30%
▲ 0.24% above Wyoming avg
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.06%▲ 0.24% above avgNationally 2.82%
Details
Dividends Post Quarterly
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 9 times
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
IRA Certificates - 48 Month Certificate
$0
3.30%
▲ 0.24% above Wyoming avg
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.06%▲ 0.24% above avgNationally 2.82%
Details
Dividends Post Quarterly
Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 2 times
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
4 Year Certificate
$0
3.29%
▲ 0.23% above Wyoming avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.06%▲ 0.23% above avgNationally 2.82%
Details
Rate History
1 change since Sep 14, 2026 · 3.39% → 3.29% ▼ 0.10 pts · high 3.39% / low 3.29%
- Oct 14, 20263.29%▼ from 3.39%
- Sep 14, 20263.39%first recorded
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
48 Month Certificate
$200
3.20%
▲ 0.14% above Wyoming avg
▼
Rate3.16%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.06%▲ 0.14% above avgNationally 2.82%
Details
Rate History
No change since Oct 6, 2026 · 3.20% APY · checked 4 times
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Business 48 Month Certificate
$200
3.20%
▲ 0.14% above Wyoming avg
▼
Rate3.16%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.06%▲ 0.14% above avgNationally 2.82%
Details
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 6 times
CAMPCO
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
Share Certificate - 48 Month
$0
2.99%
▼ 0.07% below Wyoming avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.06%▼ 0.07% below avgNationally 2.82%
Details
Rate History
1 change since Sep 14, 2026 · 2.85% → 2.99% ▲ 0.14 pts · high 2.99% / low 2.85%
- 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
$0
2.85%
▼ 0.21% below Wyoming avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.06%▼ 0.21% below avgNationally 2.82%
Details
Effective Date: 02/04/2026
Rate History
No change since Sep 18, 2026 · 2.85% APY · checked 9 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
4-Year IRA
$100,000
2.85%
▼ 0.21% below Wyoming avg
▼
Rate2.81%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.06%▼ 0.21% below avgNationally 2.82%
Details
$100,000 min. deposit (Jumbo); Effective Date: 02/04/2026
Rate History
1 change since Sep 24, 2026 · 2.75% → 2.85% ▲ 0.10 pts · high 2.85% / low 2.75%
- 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%
Jumbo 4-Year Certificate
$100,000
2.85%
▼ 0.21% below Wyoming avg
▼
Rate2.81%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.06%▼ 0.21% below avgNationally 2.82%
Details
$100,000 min. deposit (Jumbo)
Rate History
No change since Oct 7, 2026 · 2.85% APY · checked 3 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
4-Year Certificate
$50,000
2.80%
▼ 0.26% below Wyoming avg
▼
Rate2.77%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.06%▼ 0.26% below avgNationally 2.82%
Details
$50,000 min. deposit
Rate History
No change since Sep 18, 2026 · 2.80% APY · checked 9 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
4-Year IRA
$50,000
2.80%
▼ 0.26% below Wyoming avg
▼
Rate2.76%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.06%▼ 0.26% below avgNationally 2.82%
Details
$50,000 min. deposit; Effective Date: 02/04/2026
Rate History
1 change since Sep 24, 2026 · 2.75% → 2.80% ▲ 0.05 pts · high 2.80% / low 2.75%
- 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%
▼ 0.31% below Wyoming avg
▼
Rate2.72%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.06%▼ 0.31% below avgNationally 2.82%
Details
$25,000 min. deposit
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 9 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
4-Year IRA
$25,000
2.75%
▼ 0.31% below Wyoming avg
▼
Rate2.71%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.06%▼ 0.31% below avgNationally 2.82%
Details
$25,000 min. deposit; Effective Date: 02/04/2026; Rates for California
Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 8 times
Western Vista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
48 Month Share Certificate
$0
2.75%
▼ 0.31% below Wyoming avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.06%▼ 0.31% below avgNationally 2.82%
Details
Balance: $500+
Rate History
No change since Sep 25, 2026 · 2.75% APY · checked 3 times
Western Vista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
Traditional & ROTH IRA - 48 Mos.
$500
2.75%
▼ 0.31% below Wyoming avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.06%▼ 0.31% below avgNationally 2.82%
Details
Rate History
No change since Oct 8, 2026 · 2.75% APY · checked 3 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
4-Year Certificate
$1,000
2.70%
▼ 0.36% below Wyoming avg
▼
Rate2.67%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.06%▼ 0.36% below avgNationally 2.82%
Details
Effective Date: 02/04/2026; Rates for California
Rate History
No change since Sep 18, 2026 · 2.70% APY · checked 9 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
4-Year IRA
$1,000
2.70%
▼ 0.36% below Wyoming avg
▼
Rate2.66%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.06%▼ 0.36% below avgNationally 2.82%
Details
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%
- 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%
▼ 0.53% below Wyoming avg
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.06%▼ 0.53% below avgNationally 2.82%
Details
Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 8 times
Sunlight Federal Credit Union
Institution Rating:
D3.2 ★Texas Ratio: 37.01%
4 Year Share Certificate
$500
2.53%
▼ 0.53% below Wyoming avg
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.06%▼ 0.53% below avgNationally 2.82%
Details
Early Withdrawal Penalty: 180 Days Interest
Rate History
No change since Sep 18, 2026 · 2.53% APY · checked 7 times
Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
48 Month Share Certificate
$500
2.44%
▼ 0.62% below Wyoming avg
▼
Rate2.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.06%▼ 0.62% below avgNationally 2.82%
Details
Rate History
No change since Sep 12, 2026 · 2.44% APY · checked 7 times
Hilltop National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
48 Month Certificate of Deposit
$1,000
1.97%
▼ 1.09% below Wyoming avg
▼
Rate1.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.06%▼ 1.09% below avgNationally 2.82%
Details
Balance: $50,000 +
Rate History
No change since Oct 14, 2026 · 1.97% APY · checked 2 times
Hilltop National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
48 Month Certificate of Deposit
$1,000
1.91%
▼ 1.15% below Wyoming avg
▼
Rate1.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.06%▼ 1.15% below avgNationally 2.82%
Details
Balance: $1,000 - $49,999
Rate History
No change since Oct 14, 2026 · 1.91% APY · checked 2 times
First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
48-Month Certificate
$0
1.00%
▼ 2.06% below Wyoming avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.06%▼ 2.06% below avgNationally 2.82%
Details
Payment frequency: quarterly; Early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
IRA 48-Month Certificate
$0
1.00%
▼ 2.06% below Wyoming avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.06%▼ 2.06% below avgNationally 2.82%
Details
Rate History
No change since Oct 12, 2026 · 1.00% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
48 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.31% below Wyoming avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.06%▼ 2.31% below avgNationally 2.82%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
48 Month Standard CD
$1,000
0.75%
▼ 2.31% below Wyoming avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.06%▼ 2.31% below avgNationally 2.82%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
Four Corners 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Share Certificates - 60 months
$0
4.50%
▲ 1.34% above Wyoming avg
▼
Rate4.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.16%▲ 1.34% above avgNationally 2.93%
Details
Interest Rate: 4.42%; APY: 4.50%
Rate History
No change since Oct 12, 2026 · 4.50% APY · checked 2 times
Grand Altitude Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
Share & IRA Certificates - 60 Month
$0
3.95%
▲ 0.79% above Wyoming avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.16%▲ 0.79% above avgNationally 2.93%
Details
Balance $50,000 or more receives a 10 basis point premium; early withdrawal penalties apply
Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Certificates of Deposit - 60 Month
$0
3.90%
▲ 0.74% above Wyoming avg
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.16%▲ 0.74% above avgNationally 2.93%
Details
Balance: $1,000 or more
Rate History
No change since Oct 14, 2026 · 3.90% APY · checked 2 times
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
5 Year CDs and IRAs
$0
3.85%
▲ 0.69% above Wyoming avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.16%▲ 0.69% above avgNationally 2.93%
Details
Penalties may apply for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.85% APY · checked 2 times
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
CD's & IRA's - 5 Year
$0
3.85%
▲ 0.69% above Wyoming avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.16%▲ 0.69% above avgNationally 2.93%
Details
Balance: $100,000.00 minimum; penalties may apply for early withdrawal
Rate History
No change since Oct 20, 2026 · 3.85% APY
Uniwyo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
5 Year Share Certificate
$100
3.85%
▲ 0.69% above Wyoming avg
▼
Rate3.80%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.16%▲ 0.69% above avgNationally 2.93%
Details
Rate History
No change since Sep 20, 2026 · 3.85% APY · checked 5 times
Uniwyo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
IRA and HSA Share Certificate - 5 Year IRA
$100
3.85%
▲ 0.69% above Wyoming avg
▼
Rate3.80%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.16%▲ 0.69% above avgNationally 2.93%
Details
Not eligible for the military or youth 0.50% APY rate increase
Rate History
No change since Oct 12, 2026 · 3.85% APY · checked 2 times
StagePoint Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
60 Month Share Certificate Accounts
$0
3.82%
▲ 0.66% above Wyoming avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.16%▲ 0.66% above avgNationally 2.93%
Details
Dividend rate printed as: As high as 3.75%; Balance: minimum average daily balance $500.00
Rate History
No change since Sep 25, 2026 · 3.82% APY · checked 5 times
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
5 Year CD's & IRA's
$0
3.75%
▲ 0.59% above Wyoming avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.16%▲ 0.59% above avgNationally 2.93%
Details
Balance: $25,000.00 - $99,999.99; penalties may apply for early withdraw
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
FNB of Wyoming
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
60 Month Certificate of Deposit
$100
3.75%
▲ 0.59% above Wyoming avg
▼
Rate3.70%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.16%▲ 0.59% above avgNationally 2.93%
Details
Rates effective 09/24/2026
Rate History
1 change since Sep 24, 2026 · 2.93% → 3.75% ▲ 0.82 pts · high 3.75% / low 2.93%
- Oct 3, 20263.75%▲ from 2.93%
- Sep 24, 20262.93%first recorded
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
Certificates of Deposit - 60 Month - Platinum Rate
$500
3.75%
▲ 0.59% above Wyoming avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.16%▲ 0.59% above avgNationally 2.93%
Details
Platinum Rate (dividend rate; APY not separately published)
Rate History
No change since Oct 19, 2026 · 3.75% APY
Big Horn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
5 year CD
$500
3.69%
▲ 0.53% above Wyoming avg
▼
Rate3.62%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.16%▲ 0.53% above avgNationally 2.93%
Details
Balance: Entire Balance
Rate History
No change since Sep 11, 2026 · 3.69% APY · checked 10 times
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
5 Year CD
$0
3.65%
▲ 0.49% above Wyoming avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.16%▲ 0.49% above avgNationally 2.93%
Details
Balance: $1,000 - $25,000; penalties may apply for early withdrawal
Rate History
No change since Oct 20, 2026 · 3.65% APY
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
CDs and IRAs - 5 Year
$0
3.65%
▲ 0.49% above Wyoming avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.16%▲ 0.49% above avgNationally 2.93%
Details
$1,000-$25,000; Balance: $1,000.00 - $25,000.00; penalties may apply for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 2 times
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
5 Year Certificate
$0
3.65%
▲ 0.49% above Wyoming avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.16%▲ 0.49% above avgNationally 2.93%
Details
Rate History
2 changes since Sep 14, 2026 · 3.65% → 3.65% ▼ 0.00 pts · high 3.65% / low 3.55%
- Oct 15, 20263.65%▲ from 3.55%
- Oct 14, 20263.55%▼ from 3.65%
- Sep 14, 20263.65%first recorded
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
Certificates of Deposit - 60 Month - Honors Rate
$500
3.60%
▲ 0.44% above Wyoming avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.16%▲ 0.44% above avgNationally 2.93%
Details
Honors Rate (dividend rate; APY not separately published)
Rate History
No change since Oct 19, 2026 · 3.60% APY
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
Certificates of Deposit - 60 Month
$500
3.56%
▲ 0.40% above Wyoming avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.16%▲ 0.40% above avgNationally 2.93%
Details
Rate History
No change since Oct 19, 2026 · 3.56% APY
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
5 Year Certificate
$0
3.55%
▲ 0.39% above Wyoming avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.16%▲ 0.39% above avgNationally 2.93%
Details
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.55% ▼ 0.10 pts · high 3.65% / low 3.55%
- Oct 14, 20263.55%▼ from 3.65%
- Sep 14, 20263.65%first recorded
Acpe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
60 Month Share Certificate
$0
3.55%
▲ 0.39% above Wyoming avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.16%▲ 0.39% above avgNationally 2.93%
Details
Dividend Rates for Share Certificates
Rate History
No change since Oct 9, 2026 · 3.55% APY · checked 2 times
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
IRA Share 60 Month
$500
3.55%
▲ 0.39% above Wyoming avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.16%▲ 0.39% above avgNationally 2.93%
Details
Rate History
No change since Oct 19, 2026 · 3.55% APY
WyHy Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.60%
60 Month Jumbo Term Certificates
$50,000
3.50%
▲ 0.34% above Wyoming avg
▼
Rate3.46%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.16%▲ 0.34% above avgNationally 2.93%
Details
Fixed rate for term, Quarterly Paid Interest; Jumbo IRA Term Certificates listed under same table
Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
WyHy Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.60%
Term Certificates & IRA Term Certificates - 60 Months
$500
3.45%
▲ 0.29% above Wyoming avg
▼
Rate3.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.16%▲ 0.29% above avgNationally 2.93%
Details
Fixed rate for term; Quarterly Paid Interest
Rate History
No change since Sep 12, 2026 · 3.45% APY · checked 2 times
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
60 Month Share Certificate
$500
3.40%
▲ 0.24% above Wyoming avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.16%▲ 0.24% above avgNationally 2.93%
Details
Pay monthly; $500 minimum deposit; Share Certificates may be added to in $100 increments up to an additional $5,000 during the term; Membership required
Rate History
No change since Sep 20, 2026 · 3.40% APY · checked 4 times
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Share Certificate - 60 months
$500
3.40%
▲ 0.24% above Wyoming avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.16%▲ 0.24% above avgNationally 2.93%
Details
Pay monthly; Share Certificates may be added to in $100 increments up to an additional $5,000 during the term; Membership required
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 6 times
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
60 Month Certificate
$0
3.35%
▲ 0.19% above Wyoming avg
▼
Rate3.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.16%▲ 0.19% above avgNationally 2.93%
Details
Dividends Post Quarterly
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 9 times
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
IRA Certificates - 60 Month Certificate
$0
3.35%
▲ 0.19% above Wyoming avg
▼
Rate3.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.16%▲ 0.19% above avgNationally 2.93%
Details
Dividends Post Quarterly
Rate History
No change since Oct 14, 2026 · 3.35% APY · checked 2 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
5-Year Certificate
$0
3.25%
▲ 0.09% above Wyoming avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.16%▲ 0.09% above avgNationally 2.93%
Details
$100,000 min. deposit (Jumbo); Rates for California; Effective Date: 02/04/2026
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 9 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
5-Year IRA
$100,000
3.25%
▲ 0.09% above Wyoming avg
▼
Rate3.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.16%▲ 0.09% above avgNationally 2.93%
Details
Jumbo: $100,000 min. deposit; Rates for California
Rate History
1 change since Sep 24, 2026 · 3.15% → 3.25% ▲ 0.10 pts · high 3.25% / low 3.15%
- Oct 7, 20263.25%▲ from 3.15%
- Sep 24, 20263.15%first recorded
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
Jumbo 5-Year Certificate
$100,000
3.25%
▲ 0.09% above Wyoming avg
▼
Rate3.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.16%▲ 0.09% above avgNationally 2.93%
Details
$100,000 min. deposit (Jumbo)
Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 3 times
Sheridan Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
60 Month Certificate of Deposit
$500
3.25%
▲ 0.09% above Wyoming avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.16%▲ 0.09% above avgNationally 2.93%
Details
Effective Date: December 29, 2025; Open with a $500 minimum deposit
Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 4 times
Sheridan Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
Certificate of Deposit - 60 months
$0
3.25%
▲ 0.09% above Wyoming avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.16%▲ 0.09% above avgNationally 2.93%
Details
Effective Date: December 29, 2025
Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 5 times
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
60 Month Certificate
$200
3.25%
▲ 0.09% above Wyoming avg
▼
Rate3.21%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.16%▲ 0.09% above avgNationally 2.93%
Details
Rate History
No change since Oct 6, 2026 · 3.25% APY · checked 4 times
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Business 60 Month Certificate
$200
3.25%
▲ 0.09% above Wyoming avg
▼
Rate3.21%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.16%▲ 0.09% above avgNationally 2.93%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
5-Year Certificate
$50,000
3.20%
▲ 0.04% above Wyoming avg
▼
Rate3.15%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.16%▲ 0.04% above avgNationally 2.93%
Details
$50,000 min. deposit
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 9 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
5-Year IRA
$50,000
3.20%
▲ 0.04% above Wyoming avg
▼
Rate3.15%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.16%▲ 0.04% above avgNationally 2.93%
Details
$50,000 min. deposit; Effective Date: 02/04/2026
Rate History
1 change since Sep 24, 2026 · 3.15% → 3.20% ▲ 0.05 pts · high 3.20% / low 3.15%
- 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%
▼ 0.01% below Wyoming avg
▼
Rate3.10%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.16%▼ 0.01% below avgNationally 2.93%
Details
$25,000 min. deposit; Rates for California; Effective Date: 02/04/2026
Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 9 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
5-Year IRA
$25,000
3.15%
▼ 0.01% below Wyoming avg
▼
Rate3.10%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.16%▼ 0.01% below avgNationally 2.93%
Details
$25,000 min. deposit; IRA Term: 5 years
Rate History
No change since Sep 24, 2026 · 3.15% APY · checked 8 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
5-Year Certificate
$1,000
3.10%
▼ 0.06% below Wyoming avg
▼
Rate3.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.16%▼ 0.06% below avgNationally 2.93%
Details
Share Certificate Rates; Effective Date: 02/04/2026; Rates for California
Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 9 times
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
5-Year IRA
$1,000
3.10%
▼ 0.06% below Wyoming avg
▼
Rate3.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.16%▼ 0.06% below avgNationally 2.93%
Details
IRA; Fixed Rate Accounts; Rates for California; Effective Date: 02/04/2026
Rate History
1 change since Sep 24, 2026 · 3.15% → 3.10% ▼ 0.05 pts · high 3.15% / low 3.10%
- 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%
▼ 0.17% below Wyoming avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.16%▼ 0.17% below avgNationally 2.93%
Details
Rate History
1 change since Sep 14, 2026 · 2.85% → 2.99% ▲ 0.14 pts · high 2.99% / low 2.85%
- 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
$0
2.75%
▼ 0.41% below Wyoming avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.16%▼ 0.41% below avgNationally 2.93%
Details
Balance: $500+
Rate History
No change since Sep 25, 2026 · 2.75% APY · checked 3 times
Western Vista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
Traditional & ROTH IRA - 60 Mos.
$500
2.75%
▼ 0.41% below Wyoming avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.16%▼ 0.41% below avgNationally 2.93%
Details
Rate History
No change since Oct 8, 2026 · 2.75% APY · checked 3 times
Sunlight Federal Credit Union
Institution Rating:
D3.2 ★Texas Ratio: 37.01%
5 Year Share Certificate
$500
2.53%
▼ 0.63% below Wyoming avg
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.16%▼ 0.63% below avgNationally 2.93%
Details
Early Withdrawal Penalty: 180 Days Interest
Rate History
No change since Sep 18, 2026 · 2.53% APY · checked 7 times
Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
60 Month Share Certificate
$500
2.50%
▼ 0.66% below Wyoming avg
▼
Rate2.48%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.16%▼ 0.66% below avgNationally 2.93%
Details
Rate History
No change since Sep 12, 2026 · 2.50% APY · checked 7 times
Security State Bank Basin, WY
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
60 Month CD
$1,000
2.43%
▼ 0.73% below Wyoming avg
▼
Rate2.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Wyoming Average3.16%▼ 0.73% below avgNationally 2.93%
Details
Rate History
No change since Sep 14, 2026 · 2.43% APY · checked 8 times
Hilltop National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
60 Month Certificate of Deposit
$1,000
2.12%
▼ 1.04% below Wyoming avg
▼
Rate2.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.16%▼ 1.04% below avgNationally 2.93%
Details
Balance: $50,000 +; Bump option: one rate bump without changing maturity
Rate History
No change since Oct 14, 2026 · 2.12% APY · checked 2 times
Hilltop National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
60 Month Certificate of Deposit
$1,000
2.02%
▼ 1.14% below Wyoming avg
▼
Rate2.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Wyoming Average3.16%▼ 1.14% below avgNationally 2.93%
Details
Balance: $1,000 - $49,999; Bump option: one rate bump without changing maturity
Rate History
No change since Oct 14, 2026 · 2.02% APY · checked 2 times
First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
60-Month Certificate
$0
1.10%
▼ 2.06% below Wyoming avg
▼
Rate1.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.16%▼ 2.06% below avgNationally 2.93%
Details
Payment frequency: quarterly; Early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 1.11% APY · checked 6 times
First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
IRA 60-Month Certificate
$0
1.10%
▼ 2.06% below Wyoming avg
▼
Rate1.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Wyoming Average3.16%▼ 2.06% below avgNationally 2.93%
Details
Rate History
No change since Oct 12, 2026 · 1.11% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
60 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.41% below Wyoming avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Wyoming Average3.16%▼ 2.41% below avgNationally 2.93%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
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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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Four Corners, WY CD Rate Trends
Compare local Four Corners, 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.
12-Month CD WY Avg
3.326%
▲ 0.025 vs 7 days ago
Wyoming 12-month CD rates rose 0.025 points over the past 7 days to 3.326% APY.
6-Month CD WY Avg
3.210%
▲ 0.021 vs 7 days ago
Wyoming 6-month CD rates rose 0.021 points over the past 7 days to 3.210% APY.
As of Oct 20, 2026 • Rate data sourced from 8,500+ monitored institutions
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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
3.326%
6-Month Forecast
3.326%
Range: 3.13%, 3.48%
12-Month Forecast
3.576%
Range: 3.38%, 3.73%
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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% | $111.83 | $223.65 | $559.13 | $1,118.25 |
| 6-Month CD | 3.210% | $160.49 | $320.98 | $802.45 | $1,604.90 |
| 12-Month CD | 3.326% | $166.28 | $332.55 | $831.38 | $1,662.75 |
| 18-Month CD | 2.952% | $147.61 | $295.21 | $738.03 | $1,476.05 |
| 24-Month CD | 3.179% | $158.95 | $317.89 | $794.72 | $1,589.45 |
| 36-Month CD | 3.122% | $156.10 | $312.19 | $780.48 | $1,560.95 |
| 48-Month CD | 3.065% | $153.24 | $306.47 | $766.18 | $1,532.35 |
| 60-Month CD | 3.160% | $158.02 | $316.03 | $790.07 | $1,580.15 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 20, 2026. | |||||
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Sample CD Ladder for Four Corners, 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 | 2.237% | $111.83 |
| 2 | 6-Month CD | $5,000 | 3.210% | $160.49 |
| 3 | 12-Month CD | $5,000 | 3.326% | $166.28 |
| 4 | 24-Month CD | $5,000 | 3.179% | $158.95 |
| 5 | 36-Month CD | $5,000 | 3.122% | $156.10 |
| Total ($25,000 invested) | $25,000 | 3.015% blended | $753.65/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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381
CD Rates
Tracked in Four Corners, Wyoming
Tracked in Four Corners, Wyoming
12 Banks
18 Credit Unions
About Our Four Corners, Wyoming CD Rate Database
MonitorBankRates tracks 381 CD rates from 12 banks and 18 credit unions with locations in Four Corners, 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: Advantage Plus Federal Credit Union offers a CD at 4.50% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Four Corners, Wyoming.
How to Find the Best CD Rates in Four Corners, Wyoming
What to compare when shopping for a CD in Four Corners, Wyoming
To find the best APYs in Four Corners, Wyoming, start with credit unions and online-only banks: Four Corners, 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 Four Corners, 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 Four Corners, Wyoming: 30 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Four Corners, Wyoming savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Four Corners, Wyoming money market rates
Wyoming Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)
Population 65+
18.5%
National avg: 17.3%
Median Individual Earnings
$42,664
National avg: $47,340
Poverty Rate
10.5%
National avg: 11.1%
Unemployment Rate
3.7%
National avg: 4.8%
CD Earnings on 10% of Salary
$142/yr
At WY 12-mo avg 3.326% APY
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 3.326%, saving 10% of the local median salary ($4,266/year) and putting it in a CD would earn an additional $142 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 Four Corners, 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 Four Corners, 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 Four Corners, 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 Four Corners, Wyoming as everywhere in the U.S.
Choosing a CD Term in Four Corners, 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 Four Corners, Wyoming savers easier access to their funds. For example, FirsTier Bank is offering its 6 Month CD at 4.14% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Advantage Plus Federal Credit Union is offering its Share Certificates - 60 months at 4.50% 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 Four Corners, 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 Four Corners, 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 Four Corners, 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 Four Corners, 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 Four Corners, Wyoming
Most CDs carry a fixed rate that is locked for the entire term, protecting a Four Corners, 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 Four Corners, Wyoming
Are CD rates in Four Corners, Wyoming FDIC insured?
Yes, most established banks in Four Corners, 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 Four Corners, 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 Four Corners, 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 Four Corners, 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 Four Corners, Wyoming?
Here are recent top rates found for this area:
- Advantage Plus Federal Credit Union: 4.50% APY (Share Certificates - 60 months)
- Valley Financial Credit Union: 4.33% APY (International Credit Union Day Certificate Special - 12 Month Certificate)
- Buffalo Federal Bank: 4.19% APY (24 Month CD)
- FirsTier Bank: 4.14% APY (3 Month CD)
- StagePoint Federal Credit Union: 4.07% APY (6 Month Share Certificate Accounts)
- CAMPCO: 4.05% APY (Share Certificate - 6 Month)
- Sheridan Community Federal Credit Union: 4.00% APY (Certificate of Deposit - 6 months)
- Grand Altitude Federal Credit Union: 3.95% APY (Share & IRA Certificates - 12 Month)
- Bank of Star Valley: 3.91% APY (1 Year Certificate)
- ANB Bank: 3.90% APY (Certificates of Deposit - 60 Month)
Rates reflect recent verified offers available in Four Corners, Wyoming. Last Updated: October 20, 2026
Four Corners, 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 Four Corners, 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.
CD Calculators for Four Corners, Wyoming
Four Corners, Wyoming CD Calculator
At today’s WY top rate of 4.50% APY, a $10,000 deposit earns $450 in the first year. Enter your amount to see your exact return.
Four Corners, Wyoming CD LadderWY CD rates currently range from 2.237% (3-month) to 3.122% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Four Corners, Wyoming CD at 4.50% 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 SavingsWyoming’s average 12-month CD is 3.326% 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 Four Corners, 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 Four Corners, 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 Four Corners, 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 20, 2026
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