Shell, Wyoming (WY) Savings Rates - March 2026
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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 Shell, Wyoming and the surrounding area include Valley Financial Credit UnionValley Financial Credit Union1902 Cougar Ave, Cody, WY 82414A+5.0 ★Texas Ratio: 2.09% Youth Savings at 5.12% APY, Blue Federal Credit UnionBlue Federal Credit Union114 E 7th Ave, Cheyenne, WY 82001A5.0 ★Texas Ratio: 13.48% Accelerated Savings at 5.00% APY, HIGHMARKHIGHMARK2717 S Douglas Hwy, Gillette, WY 82718 6417A5.0 ★Texas Ratio: 11.71% Money Market Savings at 2.50% APY, Security State Bank Basin, WYSecurity State Bank Basin, WY201 S 4th St, Basin, WY 82410A+5.0 ★Texas Ratio: 1.64% Christmas Savings at 2.50% APY, and Sunlight Federal Credit UnionSunlight Federal Credit Union1702 17th St, Cody, WY 82414A+5.0 ★Texas Ratio: 4.48% *High Yield Savings at 2.02% APY.
To see how these savings rates in Shell, Wyoming, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Shell, Wyoming (WY) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Shell, Wyoming and the surrounding area. Last Updated and Verified: March 21, 2026
Shell, WY Savings Rate Trends
Compare local Shell, WY savings rate quotes against the statewide average
Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield Savings — WY Avg
0.367%
Wyoming high-yield savings rates currently average 0.367% APY based on data from institutions in our monitoring network.
Standard Savings — WY Avg
0.250%
Wyoming standard savings rates currently average 0.250% APY based on data from institutions in our monitoring network.
As of Mar 21, 2026 •
Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Compare the Best Savings Rates in Shell, Wyoming & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1902 Cougar Ave, Cody, WY 82414
Youth Savings
5.12%
$0
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Blue Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.48%
114 E 7th Ave, Cheyenne, WY 82001
Accelerated Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Qualifying balance up to $1,000.00
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
2717 S Douglas Hwy, Gillette, WY 82718 6417
Money Market Savings
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Security State Bank Basin, WY
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
201 S 4th St, Basin, WY 82410
Christmas Savings
2.50%
$50
▼
Rate2.50%
Min Deposit$50
Min Balance—
UpdatedMar 15, 2026
Details
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1902 Cougar Ave, Cody, WY 82414
Money Market Savings/Business Money Market
2.17%
$0
▼
Rate2.15%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Sunlight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
1702 17th St, Cody, WY 82414
*High Yield Savings
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Available to Star Members Only
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1902 Cougar Ave, Cody, WY 82414
Money Market Savings/Business Money Market
1.92%
$0
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1902 Cougar Ave, Cody, WY 82414
Money Market Savings/Business Money Market
1.76%
$0
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1902 Cougar Ave, Cody, WY 82414
Rewards Savings
1.76%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details
Qualifications Required: At least 15 debit card purchases post and settle; Have at least 1 automatic payment (ACH) or direct deposit post and settle; Be enrolled in eStatements; Qualifying balance up to $20,000
Western Vista Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.81%
3207 Sparks Rd, Cheyenne, WY 82001
Liquid Gold Savings
1.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1902 Cougar Ave, Cody, WY 82414
Money Market Savings/Business Money Market
1.51%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
2717 S Douglas Hwy, Gillette, WY 82718 6417
Money Market Savings
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1902 Cougar Ave, Cody, WY 82414
Money Market Savings/Business Money Market
1.26%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
1700 N Federal Blvd, Riverton, WY 82501
Health Savings Account
1.06%
$0
▼
Rate1.05%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
StagePoint Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
365 N 3rd St, Laramie, WY 82072
Health Savings Account
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1902 Cougar Ave, Cody, WY 82414
Money Market Savings/Business Money Market
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Western Vista Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.81%
3207 Sparks Rd, Cheyenne, WY 82001
Horizon Savings
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Acpe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
2835 E Grand Ave, Laramie, WY 82070 5276
Back to School Club Savings Accounts
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Max. $8,000.00
Acpe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
2835 E Grand Ave, Laramie, WY 82070 5276
Holiday Club Savings Accounts
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Max. $8,000.00
Acpe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
2835 E Grand Ave, Laramie, WY 82070 5276
IRA Savings Accounts
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Acpe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
2835 E Grand Ave, Laramie, WY 82070 5276
Vacation Club Savings Accounts
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Max. $10,000.00
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
840 Hitching Post Dr, Green River, WY 82935 5554
High Yield Savings1
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
840 Hitching Post Dr, Green River, WY 82935 5554
High Yield Savings
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Qualifications Required: 10 debit card purchases post and settle; eStatements enrollment; 1 monthly direct deposit, ACH automatic debit, or bill payment post and settle; Qualifying balance up to $25,000.00
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
2717 S Douglas Hwy, Gillette, WY 82718 6417
Money Market Savings
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
384 S Washington St, Afton, WY 83110
Passbook Savings
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
384 S Washington St, Afton, WY 83110
Statement Savings
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
384 S Washington St, Afton, WY 83110
Passbook Savings
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
384 S Washington St, Afton, WY 83110
Statement Savings
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Security State Bank Basin, WY
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
201 S 4th St, Basin, WY 82410
Savings
0.60%
$50
▼
Rate0.60%
Min Deposit$50
Min Balance—
UpdatedMar 15, 2026
Details
(Consumer & Business)
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
1700 N Federal Blvd, Riverton, WY 82501
Savings tier 3
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
$50,000 and above
Security State Bank Basin, WY
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
201 S 4th St, Basin, WY 82410
Minor Savings
0.60%
$50
▼
Rate0.60%
Min Deposit$50
Min Balance—
UpdatedMar 15, 2026
Details
FNB of Wyoming
Institution Rating:
A5.0 ★Texas Ratio: 7.09%
24 N Sumner Ave, Newcastle, WY 82701
Personal Savings
0.55%
$0
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
FNB of Wyoming
Institution Rating:
A5.0 ★Texas Ratio: 7.09%
24 N Sumner Ave, Newcastle, WY 82701
Health Savings Account
0.55%
$0
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
120 W Carlson St, Cheyenne, WY 82009
IRA Share Account
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★
4523 Driftwood Dr, Cheyenne, WY 82009 7301
IRA Shares
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
384 S Washington St, Afton, WY 83110
Passbook Savings
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
1700 N Federal Blvd, Riverton, WY 82501
Savings tier 2
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
$25,000-$50,000
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
840 Hitching Post Dr, Green River, WY 82935 5554
Youth Savings1
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
840 Hitching Post Dr, Green River, WY 82935 5554
Youth Savings
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Western Vista Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.81%
3207 Sparks Rd, Cheyenne, WY 82001
Liquid Gold Savings
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
384 S Washington St, Afton, WY 83110
Statement Savings
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Wyoming Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
1700 N Federal Blvd, Riverton, WY 82501
Savings tier 1
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
$0-$25,000
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
840 Hitching Post Dr, Green River, WY 82935 5554
IRA, HSA, ESA Shares3
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
384 S Washington St, Afton, WY 83110
Health Savings
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
840 Hitching Post Dr, Green River, WY 82935 5554
IRA, HSA, ESA Shares
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1902 Cougar Ave, Cody, WY 82414
IRA Variable Rate Share Acct.
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Sheridan Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
141 S Gould St, Sheridan, WY 82801
Savings Accounts
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Acpe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
2835 E Grand Ave, Laramie, WY 82070 5276
Share (Savings) Accounts
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
120 W Carlson St, Cheyenne, WY 82009
Education Shares Tier I
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Cowboy State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
515 Us Highway 14, Ranchester, WY 82839
Business Savings
0.25%
$200
▼
Rate0.00%
Min Deposit$200
Min Balance—
UpdatedMar 16, 2026
Details
Cowboy State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
515 Us Highway 14, Ranchester, WY 82839
Cowboy Savings
0.25%
$200
▼
Rate0.00%
Min Deposit$200
Min Balance—
UpdatedMar 16, 2026
Details
**Monthly fee waived for customers under 18 years of age
Cowboy State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
515 Us Highway 14, Ranchester, WY 82839
Investor Savings
0.25%
$200
▼
Rate0.00%
Min Deposit$200
Min Balance—
UpdatedMar 16, 2026
Details
6 withdrawals allowed per month; $1 fee per excess withdrawal.
Cowboy State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
515 Us Highway 14, Ranchester, WY 82839
Savings
0.25%
$200
▼
Rate0.00%
Min Deposit$200
Min Balance—
UpdatedMar 16, 2026
Details
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
384 S Washington St, Afton, WY 83110
Health Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Sunlight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
1702 17th St, Cody, WY 82414
*High Yield Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Available to Star Members Only
Sunlight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
1702 17th St, Cody, WY 82414
Health Savings Account
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Sunlight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
1702 17th St, Cody, WY 82414
Primary Share
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1902 Cougar Ave, Cody, WY 82414
Business Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Western Vista Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.81%
3207 Sparks Rd, Cheyenne, WY 82001
Horizon Savings
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
414 E 18th St, Cheyenne, WY 82001 4616
IRA Savings (Traditional and Roth)
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
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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.
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.
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Shell, 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 Shell, 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 Shell, 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 Shell, 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 Shell, 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 Shell, 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 Shell, Wyoming?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Shell, Wyoming offer in-person customer service, which some customers prefer.
How do I open a savings account in Shell, 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 Shell, Wyoming
Here are recent savings rates observed in Shell, Wyoming and the surrounding area:
- Valley Financial Credit Union
Youth Savings — 5.12% APY - Blue Federal Credit Union
Accelerated Savings — 5.00% APY - HIGHMARK
Money Market Savings — 2.50% APY - Security State Bank Basin, WY
Christmas Savings — 2.50% APY - Sunlight Federal Credit Union
*High Yield Savings — 2.02% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Shell, Wyoming. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 21, 2026
