Laramie, Wyoming Savings Rates - September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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The best savings rates for Laramie, Wyoming and the surrounding area include Blue Federal Credit UnionBlue Federal Credit Union2405 E Grand Ave Unit F, Laramie, WY 82070A5.0 ★Texas Ratio: 8.71%Real return: +2.20%APY minus 2.8% CPI (February 2026) Accelerated Savings at 5.00% APY, Acpe Federal Credit UnionAcpe Federal Credit Union2835 E Grand Ave, Laramie, WY 82070 5276A+5.0 ★Texas Ratio: 2.50%Real return: -0.30%APY minus 2.8% CPI (February 2026) Youth Savings Accounts at 2.50% APY, StagePoint Federal Credit UnionStagePoint Federal Credit Union365 N 3rd St, Laramie, WY 82072A+5.0 ★Texas Ratio: 3.68%Real return: -1.80%APY minus 2.8% CPI (February 2026) Health Savings Account at 1.00% APY, ANB BankANB Bank3908 E Grand Ave, Laramie, WY 82070A+5.0 ★Texas Ratio: 3.70%Real return: -2.72%APY minus 2.8% CPI (February 2026) Business Personal Savings at 0.08% APY, and Valley Financial Credit UnionValley Financial Credit UnionA+5.0 ★Texas Ratio: 1.87%Real return: +2.32%APY minus 2.8% CPI (February 2026) Youth Savings at 5.12% APY.
Laramie has 26 local institutions in our database, with savings rates as high as 5.00% APY from Blue Federal Credit Union at 2405 E Grand Ave Unit F, Laramie, WY 82070. 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 Laramie, Wyoming and the surrounding area. Last Updated and Verified: September 10, 2026
Compare the Best Savings Rates in Laramie, Wyoming & Surrounding Communities
Earn 5.00% APY on balances up to $1,000.00. Dividends compounded daily and paid monthly.
This is a tiered rate account. The specified dividend rate for a tier will apply only to the portion of the balance within that tier. Annual percentage yields vary depending on the balance in the account. No minimum deposit required to open. No minimum balance to earn dividends. Dividends compounded daily and paid monthly. Limit one Accelerated Savings Account type per social security number.
Max. $3,000.00
This is a tiered rate account. The specified dividend rate for a tier will apply only to the portion of the balance within that tier. Annual percentage yields vary depending on the balance in the account. No minimum deposit required to open. No minimum balance to earn dividends. Dividends compounded daily and paid monthly. Limit one Accelerated Savings Account type per social security number.
Minimum daily balance of $25.00 required to earn dividends. Rate changes once balance exceeds $5,000. Balances automatically pay out in October each year. Dividends compounded daily and paid quarterly. Penalty may be imposed for early withdrawal. Limit one per social security number.
This is a tiered rate account. The specified dividend rate for a tier will apply only to the portion of the balance within that tier. Annual percentage yields vary depending on the balance in the account. No minimum deposit required to open. No minimum balance to earn dividends. Dividends compounded daily and paid monthly. Limit one Accelerated Savings Account type per social security number.
Max. $8,000.00
Max. $8,000.00
Max. $10,000.00
This is a tiered rate account. The specified dividend rate for a tier will apply only to the portion of the balance within that tier. Annual percentage yields vary depending on the balance in the account. No minimum deposit required to open. No minimum balance to earn dividends. Dividends compounded daily and paid monthly. Limit one Accelerated Savings Account type per social security number.
Sky High Savings Rate Lock Disclosure * Annual Percentage Yield. No minimum balance required to obtain disclosed APY. Locked rate is effective for six (6) months following member request. Rate applies to the full balance of the share. Consecutive rate lock periods will be granted if requested prior to the lock expiration at the currently offered rate, if available. If no request is received, the rate will be changed to the current base rate at the end of the lock period. Must have an active Elite Checking to qualify. If Elite Checking is transitioned to any other checking product or is closed, rate will be changed to the current base rate. No limit on deposits or withdrawals. Offer subject to change at any time without advance notice. All other account terms and conditions apply. See your Member Service Agreement for more details.
Early closing fee of $25 if account is closed within the first 90 days.
Balance: $5.00 - Youth $25.00 - Holiday
Minimum to open and earn dividends is $5,000. Dividends compounded and paid monthly. Penalty may be imposed for early withdrawal.
A Membership Share Savings account with a minimum $5 deposit is required to establish and maintain membership with Blue Federal Credit Union. Membership eligibility requirements apply. The Membership Share Savings account provides access to Blue's products and services, including checking accounts, loans, credit cards, and digital banking services. Fees, terms, and conditions may apply. Refer to the account agreement and rate disclosures for complete details.
Featured rate on balances up to $10,000.00; Just 4.00% APY on the balance you were already holding.
Balance: $0.01 to $100,000
Account withdrawal limitations apply. Available exclusively to Star members. Minimum balance of $1,000 required to avoid a service fee.
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.
Laramie, WY Savings Rate Trends
Compare local Laramie, 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 rose 1.579 points over the past 7 days to 1.980% APY, up from 0.401%.
Wyoming standard savings rates rose 0.256 points over the past 7 days to 0.814% APY, up from 0.558%.
Laramie, 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 2026–2027.
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 1.980% 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 60–90 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 Laramie, Wyoming.
Savings Account Earnings in Laramie, 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 (1.980% APY) | Monthly Earnings | Standard Savings (0.814% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $98.98 / year | $8.25 | $40.69 / year | $3.39 |
| $10,000 | $197.95 / year | $16.50 | $81.38 / year | $6.78 |
| $25,000 | $494.88 / year | $41.24 | $203.45 / year | $16.95 |
| $50,000 | $989.75 / year | $82.48 | $406.90 / year | $33.91 |
| 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: Laramie, Wyoming savings rate averages as of September 10, 2026. | ||||
About Our Laramie, Wyoming Savings Rate Database
MonitorBankRates found 4 institutions with branches in Laramie (1 bank, 3 credit unions), plus 13 additional state-chartered and national online institutions available to Laramie residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Blue Federal Credit Union offers a savings account at 5.00% APY. Use the rate table above to compare all current offers in Laramie, Wyoming.
How to Find the Best Savings Rates in Laramie, Wyoming
What to compare when shopping for a savings account in Laramie, Wyoming
To find the best savings APYs in Laramie, Wyoming, start with credit unions and online-only banks: Laramie, Wyoming has 9 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 1.980% but top local institutions are offering as high as 5.00%, 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 3–6 months of expenses in a liquid, FDIC-insured account. Laramie, Wyoming high-yield savings rates currently average 1.980% APY, far above a typical checking account.
- Short-term savings goals (6–24 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 Laramie, Wyoming institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 17 institutions in Laramie, 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 → Laramie, Wyoming CD rates
- You want check-writing flexibility → Laramie, Wyoming money market rates
- You need daily transaction access → Laramie, Wyoming checking rates
Laramie, Wyoming Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau
11.0% of residents are 65 or older, below the national average of 17.3%. At today’s WY high-yield savings average of 1.980%, saving 10% of the local median salary ($2,462/year) would earn an additional $49 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Laramie, Wyoming Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Laramie, Wyoming.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current WY Avg APY | 1.980% | 0.814% | 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 – $100 | $25 – $100 | $0 – $2,500 | $500 – $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 Laramie, Wyoming averages tracked in our database as of September 10, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Laramie, Wyoming
At WY’s top rate of 5.00% from Blue Federal Credit Union, a $10,000 deposit earns $500 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Laramie, Wyoming earner is roughly $6,200. At 1.980% APY, saving $510/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 1.980% 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 Laramie, Wyoming earner makes $24,622/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 1.980% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 1.980% APY grows to roughly $37,000 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 Laramie, 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 Laramie, 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 Laramie, 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 Laramie, Wyoming
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Laramie, Wyoming safe?
How often do savings rates change in Laramie, 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 Laramie, Wyoming?
How do I open a savings account in Laramie, Wyoming?
Best Savings Rates in Laramie, Wyoming
- Blue Federal Credit Union
Accelerated Savings: 5.00% APY - Acpe Federal Credit Union
Youth Savings Accounts: 2.50% APY - StagePoint Federal Credit Union
Health Savings Account: 1.00% APY - ANB Bank
Business Personal Savings: 0.08% APY - Valley Financial Credit Union
Youth Savings: 5.12% APY
Laramie, Wyoming Rates & Resources
