Saratoga, Wyoming (WY) Savings Rates - April 2026
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Brian McKay
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Brian McKay
Brian McKay
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Editorial Disclosure
The savings 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.
The best savings rates for Saratoga, Wyoming and the surrounding area include Blue Federal Credit UnionBlue Federal Credit UnionA5.0 ★Texas Ratio: 13.48% Accelerated Savings at 5.00% APY, Security State Bank Basin, WYSecurity State Bank Basin, WYA+5.0 ★Texas Ratio: 1.64% Christmas Savings at 2.50% APY, HIGHMARKHIGHMARKA5.0 ★Texas Ratio: 11.71% Money Market Savings at 2.50% APY, Sunlight Federal Credit UnionSunlight Federal Credit UnionA+5.0 ★Texas Ratio: 4.48% *High Yield Savings at 2.02% APY, and Western Vista Federal Credit UnionWestern Vista Federal Credit UnionA5.0 ★Texas Ratio: 7.81% Liquid Gold Savings at 1.75% APY.
Saratoga is a smaller community with no bank or credit union branches currently in our database. 60 institutions serving the Wyoming area are available to Saratoga residents, with savings rates as high as 5.00% APY from Blue Federal Credit Union. Rates are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Saratoga, Wyoming and the surrounding area. Last Updated and Verified: April 11, 2026
Compare the Best Savings Rates in Saratoga, Wyoming & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Blue Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.48%
Accelerated Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Qualifying balance up to $1,000.00
Security State Bank Basin, WY
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
Christmas Savings
2.50%
$50
▼
Rate2.50%
Min Deposit$50
Min Balance—
UpdatedMar 28, 2026
Details
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Sunlight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
*High Yield Savings
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Western Vista Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.81%
Liquid Gold Savings
1.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
Health Savings Account
1.06%
$0
▼
Rate1.05%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
High Yield Savings1
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
$0 - $25,000
Western Vista Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.81%
Horizon Savings
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
StagePoint Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
Health Savings Account
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Acpe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Vacation Club Savings Accounts
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Max. $10,000.00
Acpe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
IRA Savings Accounts
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Acpe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Holiday Club Savings Accounts
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Max. $8,000.00
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
High Yield Savings
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Qualifications Required: 10 debit card purchases post and settle; e-statements enrollment; 1 monthly direct deposit, ACH automatic debit, or bill payment post and settle; Qualifying balance up to $25,000.00
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Acpe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Back to School Club Savings Accounts
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Max. $8,000.00
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Security State Bank Basin, WY
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
Minor Savings
0.60%
$50
▼
Rate0.60%
Min Deposit$50
Min Balance—
UpdatedMar 28, 2026
Details
Security State Bank Basin, WY
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
Savings (Consumer & Business)
0.60%
$50
▼
Rate0.60%
Min Deposit$50
Min Balance—
UpdatedMar 28, 2026
Details
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
$50,000 and above
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
IRA Share Account
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Western Vista Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.81%
Liquid Gold Savings
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
$25,000-$50,000
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
$0-$25,000
WyHy Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.81%
FastTrac Savings
0.30%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA, HSA, ESA Shares3
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA, HSA, ESA Shares
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Sheridan Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
Savings Accounts
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Acpe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Share (Savings) Accounts
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
Education Shares Tier I
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Rate0.00%
Min Deposit$200
Min Balance—
UpdatedApr 11, 2026
Details
Rate0.00%
Min Deposit$200
Min Balance—
UpdatedApr 11, 2026
Details
Rate0.00%
Min Deposit$200
Min Balance—
UpdatedApr 11, 2026
Details
Rate0.00%
Min Deposit$200
Min Balance—
UpdatedApr 11, 2026
Details
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
Premium Saver Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Sunlight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
*High Yield Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Sunlight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
Primary Share
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Rate0.15%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details
Western Vista Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.81%
Horizon Savings
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
IRA Savings (Traditional and Roth)
0.15%
$50
▼
Rate0.15%
Min Deposit$50
Min Balance—
UpdatedApr 11, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Primary Savings
0.10%
$5
▼
Rate0.10%
Min Deposit$5
Min Balance—
UpdatedApr 11, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Sub Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Western Vista Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.81%
Liquid Gold Savings
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
Premium Saver Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
Share Plus Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
Auxiliary Shares
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
Education Shares Tier II
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
Regular Shares Tier I
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
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MonitorBankRates
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.
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.
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.
Saratoga, WY Savings Rate Trends
Compare local Saratoga, 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.
High-Yield Savings — WY Avg
1.997%
▲ 1.192 vs 7 days ago
Wyoming high-yield savings rates rose 1.192 points over the past 7 days to 1.997% APY, up from 0.805%.
Standard Savings — WY Avg
0.567%
Unchanged vs 7 days ago
Wyoming standard savings rates currently average 0.567% APY based on data from institutions in our monitoring network.
As of Apr 13, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Saratoga, 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 Saratoga, 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 Saratoga, Wyoming
What is a High-Yield Savings Account (HYSA)?
A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in Wyoming, help your money grow faster through a higher APY.
Are savings accounts in Saratoga, Wyoming safe?
Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Wyoming up to $250,000 per depositor, per institution.
How often do savings rates change in Saratoga, Wyoming?
Savings rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Wyoming rate tables daily to ensure you see the most current high-yield options.
Do I need a minimum deposit to open a savings account?
It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Saratoga, Wyoming may require $25–$100 to open an account.
What is the difference between a Savings Account and a Money Market Account?
Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.
Are online banks better than local banks in Saratoga, Wyoming?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Saratoga, Wyoming offer in-person customer service, which some customers prefer.
How do I open a savings account in Saratoga, Wyoming?
You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.
Best Savings Rates in Saratoga, Wyoming
Here are recent savings rates observed in Saratoga, Wyoming and the surrounding area:
- Blue Federal Credit Union
Accelerated Savings — 5.00% APY - Security State Bank Basin, WY
Christmas Savings — 2.50% APY - HIGHMARK
Money Market Savings — 2.50% APY - Sunlight Federal Credit Union
*High Yield Savings — 2.02% APY - Western Vista Federal Credit Union
Liquid Gold Savings — 1.75% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Saratoga, Wyoming. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 11, 2026
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