Gillette, Wyoming Savings Rates for October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Gillette, Wyoming savings account rates range from 0.01% to 5.12% APY, verified by MonitorBankRates as of October 31, 2026. The best savings rates for Gillette, Wyoming and the surrounding area include US BankUS Bank509 S Douglas Hwy, Gillette, WY 82716A+5.0 ★Texas Ratio: 2.85%Real return: -0.20%APY minus 3.7% CPIRate verified Oct 31, 2026 Bank Smartly Savings Account at 3.50% APY, Wells FargoWells Fargo500 S Douglas Hwy, Gillette, WY 82716A+5.0 ★Texas Ratio: 5.36%Real return: -0.45%APY minus 3.7% CPIRate verified Oct 31, 2026 Platinum Savings - New Savings Customers at 3.25% APY, Highmark Credit UnionHighmark Credit Union2717 S Douglas Hwy, Gillette, WY 82718 6417A5.0 ★Texas Ratio: 13.01%Real return: -0.70%APY minus 3.7% CPIRate verified Oct 30, 2026 Kasasa Saver Savings at 3.00% APY, Security State Bank Basin, WYSecurity State Bank Basin, WY2124 S Douglas Hwy, Gillette, WY 82718A+5.0 ★Texas Ratio: 0.95%Real return: -1.20%APY minus 3.7% CPIRate verified Oct 27, 2026 Christmas Savings at 2.50% APY, and FNB of WyomingFNB of Wyoming200 S Kendrick Ave, Gillette, WY 82716A+5.0 ★Texas Ratio: 5.10%Real return: -3.15%APY minus 3.7% CPIRate verified Oct 27, 2026 Health Savings Account at 0.55% APY.
Gillette has 24 local institutions in our database, with savings rates as high as 3.50% APY from US Bank at 509 S Douglas Hwy, Gillette, WY 82716. Use the table below to compare all available offers, including options from institutions serving the broader Wyoming area. Rates are continually updated, so we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Gillette, Wyoming and the surrounding area. Last Updated and Verified: October 31, 2026
Compare the Best Savings Rates in Gillette, Wyoming & Surrounding Communities
Earn up to 3.50% APY when you are an account owner of a Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card and have a Combined Qualifying Balance (CQB) of at least $25,000; APYs may vary by location; Monthly maintenance fee $5, waivable
California counties only; Balance: $25,000 or more; Rate is variable; requires deposit and maintenance of $25,000 or more in new Platinum Savings within 30 days; new savings customers only
Balance: $0.01 to $100,000
Account restricted to limited monthly withdrawals
Account restricted to limited monthly withdrawals
Rates effective 09/24/26 until adjusted
Rates effective 09/24/26 until adjusted
Dividends Balance: $100.00
Dividends Balance: $100.00
Balance: $0.01 or more; Minimum deposit to open is $25, $5 a month or waived with an average balance of $500
Balance: $0.01 or more; Minimum deposit to open is $25, $5 a month or waived with an average balance of $200
Balance: $0.01 or more
California counties only; Balance: $0 or more; When linked to Premier Checking or Checking
CA Bay Area counties only; Balance: $0 or more
California counties only; Balance: $0 or more; When linked to Prime Checking or Checking
California counties only; Balance: $0 or more; Avoid $12 monthly service fee with $3,500 minimum daily balance
- Sep 27, 20260.01%▼ from 0.02%
- Sep 18, 20260.02%first recorded
California counties only; Balance: $0 or more; $25 minimum opening deposit
Balance: $100 to $999.99
Earn up to 5.12% APY
Balance: $0.00 - $10,000.00; Interest credited daily; Nightly sweep from Business Spending (checking) account; Included in 2UFi Business Suite account; Apply online; Bonus: earn up to $400 with a new business account ($100 after first two qualifying 30-day periods, $300 more after all four); Offer ends Nov 25
Balance: $0.00 - $1,000.00; Tier 1
Balance: Up to $25,000; New members only
- Oct 14, 20264.50%▲ from 4.41%
- Oct 7, 20264.41%▲ from 0.10%
- Sep 18, 20260.10%▼ from 4.41%
- Sep 15, 20264.41%first recorded
APY as of 10-01-2025; no monthly fees or minimum balance requirements
Max. $3,000.00
Available to Star Members only; $2.00 monthly service charge applies to balances less than $1,000.00
Balance: $10,000.01 and over; Interest credited daily; Nightly sweep from Business Spending (checking) account; Included in 2UFi Business Suite account; Apply online
- Oct 31, 20262.00%▼ from 5.00%
- Oct 14, 20265.00%first recorded
Published APY range: 2.00%-2.02%. Balance: $1,000.01 or more; Available exclusively to Star members; Minimum balance of $1,000 required to avoid a service fee; Dividends compounded and credited monthly
- Oct 12, 20262.00%▼ from 2.02%
- Sep 12, 20262.02%first recorded
Balance: $250,000+
Rates currently 1.25% APY; Minimum daily balance of $25.00 required to earn dividends; Rate changes once balance exceeds $5,000; Balances pay out in October each year
Balance: $500,000.00 and over
Balance: $500,000.00 and over
Balance: $2,500+
Max. $8,000.00
Max. $8,000.00
Max. $10,000.00
Balance: $0 - $25,000; Dividends Post Monthly
Balance: $0-$20,000; Qualifying balance up to $20,000.00
Balance: $0.00 - $20,000.00; headline rate stated as 'dividends up to 0.85% APY' on balances up to $20,000
Balance: $250,000.00 - $499,999.99
Balance: $250,000.00 - $499,999.99
Balance: $50,000 +
Balance: $50,000 +
Balance: $50,000 and above
Balance: $10,000 - $49,999.99
Balance: $10,000 - $49,999
Individual Retirement Account Rates
Balance: $1,000 - $9,999.99
Balance: $1,000 - $9,999
Balance: $25,000-$50,000
Balance: $100,000.00 - $249,999.99
Balance: $100,000.00 - $249,999.99
Balance: $100,000-$249,999.99
Dividends Post Monthly
Balance: Up to $999.99
Balance: Up to $999
Rates up to 0.40% APY
Balance: $5 - $4,999.99
Rates up to 0.30% APY; Locked rate effective six months following member request; Rate lock available
Balance: Up to $10,000.00; Tiered rate account, rate and APY subject to change after account is opened; Member must also have eStatements to qualify; Dividends paid quarterly on the average daily balance
Earned on Round Up deposits from debit card transactions added to any WyHy checking account
as high as 0.25% APY (Great Rates - Savings Accounts)
Great Rates; as high as 0.25% APY
Payment Frequency: quarterly
Balance: $10,000.01 - $50,000.00; Tier 4 blended APY range; No minimum deposit required to open; No minimum balance to earn dividends
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Gillette, WY Savings Rate Trends
Compare local Gillette, WY savings rate quotes against the statewide average
Daily savings rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Wyoming high-yield savings rates fell 0.182 points over the past 7 days to 1.862% APY, down from 2.044%.
Wyoming standard savings rates rose 0.010 points over the past 7 days to 0.741% APY, up from 0.731%.
Gillette, Wyoming Savings Rate Forecast, Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current WY high-yield average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Savings account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current WY high-yield savings average of 1.862% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60 to 90 days. High-yield online savings rates tend to adjust faster than standard branch-based savings rates.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Gillette, Wyoming.
Savings Account Earnings in Gillette, Wyoming
Annual interest earnings at current WY average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (1.862% APY) | Monthly Earnings | Standard Savings (0.741% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $93.10 / year | $7.76 | $37.07 / year | $3.09 |
| $10,000 | $186.20 / year | $15.52 | $74.13 / year | $6.18 |
| $25,000 | $465.50 / year | $38.79 | $185.33 / year | $15.44 |
| $50,000 | $931.00 / year | $77.58 | $370.65 / year | $30.89 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, and daily balance maintained. Rates are variable and subject to change. Source: Gillette, Wyoming savings rate averages as of October 31, 2026. | ||||
About Our Gillette, Wyoming Savings Rate Database
MonitorBankRates found 7 institutions with branches in Gillette (5 banks, 2 credit unions), plus 19 additional state-chartered and national online institutions available to Gillette 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: US Bank offers a savings account at 3.50% APY with a minimum deposit of $25. Use the rate table above to compare all current offers in Gillette, Wyoming.
How to Find the Best Savings Rates in Gillette, Wyoming
What to compare when shopping for a savings account in Gillette, Wyoming
To find the best savings APYs in Gillette, Wyoming, start with credit unions and online-only banks: Gillette, Wyoming has 16 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate. APY reflects compounding and is the true measure of what you’ll earn. Savings accounts that compound daily earn slightly more than those compounding monthly at the same stated rate. The current WY high-yield savings average is 1.862% but top local institutions are offering as high as 3.50%, so shopping around pays off.
Unlike a CD, savings account rates are variable. Your rate can change at any time with Federal Reserve policy. Many institutions offer elevated introductory rates that reset after a promotional period. Review your account periodically to ensure your APY remains competitive.
When a High-Yield Savings Account Makes Sense
- Emergency fund: Financial experts recommend 3 to 6 months of expenses in a liquid, FDIC-insured account. Gillette, Wyoming high-yield savings rates currently average 1.862% APY, far above a typical checking account.
- Short-term savings goals (6 to 24 months): If you may need the money soon, a savings account gives you immediate access without early withdrawal penalties.
- Parking cash between investments: A high-yield savings account at Gillette, Wyoming institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 26 institutions in Gillette, Wyoming report savings rates to our database.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return Gillette, Wyoming CD rates
- You want check-writing flexibility Gillette, Wyoming money market rates
- You need daily transaction access Gillette, Wyoming checking rates
Gillette, Wyoming Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau
12.1% of residents are 65 or older, below the national average of 17.3%. At today’s WY high-yield savings average of 1.862%, saving 10% of the local median salary ($4,653/year) would earn an additional $87 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Gillette, Wyoming Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Gillette, Wyoming.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current WY Avg APY | 1.862% | 0.741% | View MMA Rates | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✗ No | ✗ No | ✓ Often yes | ✗ No |
| Debit / ATM Card | Some institutions | ✗ Rarely | ✓ Often yes | ✗ No |
| Typical Min Deposit | $0 to $100 | $25 to $100 | $0 to $2,500 | $500 to $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Active savers wanting flexibility + check writing | Locking in a rate for a defined period |
APY data reflects Gillette, Wyoming averages tracked in our database as of October 31, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Gillette, Wyoming
At WY’s top rate of 3.50% from US Bank, a $10,000 deposit earns $350 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Gillette, Wyoming earner is roughly $11,600. At 1.862% APY, saving $970/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsWyoming’s high-yield savings average is 1.862% APY, variable and always accessible. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Gillette, Wyoming earner makes $46,535/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 1.862% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 1.862% APY grows to roughly $36,156 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Gillette, Wyoming savings 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 Savings Rate Data: We aggregate savings account rates for Gillette, Wyoming directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every savings rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Gillette, Wyoming. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to large national institutions available to savers in WY.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Gillette, Wyoming
What are savings account rates in Gillette, Wyoming today?
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Gillette, Wyoming safe?
How often do savings rates change in Gillette, Wyoming?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Gillette, Wyoming?
How do I open a savings account in Gillette, Wyoming?
Best Savings Rates in Gillette, Wyoming
- US Bank
Bank Smartly Savings Account: 3.50% APY - Wells Fargo
Platinum Savings - New Savings Customers: 3.25% APY - Highmark Credit Union
Kasasa Saver Savings: 3.00% APY - Security State Bank Basin, WY
Christmas Savings: 2.50% APY - FNB of Wyoming
Health Savings Account: 0.55% APY
Gillette, Wyoming Rates & Resources
