Bank of Star Valley savings and CD rates
Bank of Star Valley advertises up to 1.00% APY on its Passbook Savings account. The 1.00% needs a balance of at least $500,000. Below that, the account advertises 0.03%.
On a $10,000 balance the account earns 0.25% overall, about $25 in a year, which is 0.13 percentage points below the national savings average of 0.38% (FDIC, Aug 2026).
Ranked #219 of 645 tracked savings rates by advertised APY. For a $10,000 balance it would rank #267.
Estimate your earnings·What Bank of Star Valley actually pays
Bank of Star Valley at a glance
| Savings | |
|---|---|
| Top savings APY | Up to 1.00% · Passbook Savings · needs at least $500,000 |
| Minimum to open | $10 · Passbook Savings |
| Against the national average | 0.62 percentage points above the 0.38% FDIC savings average (Aug 2026) |
| CDs | |
| Top CD APY | 3.80% · 12 months · 1 Year Certificate |
| Minimum to open | $250 · 12 months CD |
| Against the national average | 2.09 percentage points above the 1.71% FDIC 12-month CD average (Aug 2026) |
| FDIC certificate | 34148 · Afton, WY |
|---|---|
| Website | www.bosv.com |
| Branches | 3 branches in WY |
| Availability | Available in WY |
Bank of Star Valley savings and CD rates
Personal
How the rate applies
How the rate applies
How the rate applies
IRA
Rates are APY. The national savings average is 0.38% (FDIC, Aug 2026). The top tracked savings rate on Banksparency is 5.00%. Across 57 savings accounts from 55 banks in the Banksparency core savings index, the median advertised rate is 3.51%, and one account in ten advertises 4.01% or more. See the highest savings rates.
Bank of Star Valley CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| Personal CDs | |||
| 3 months | 2.78% | $250 | 3 Month Certificate |
| 6 months | 3.55% | $250 | 6 Month Certificate |
| 12 months | 3.80% | $250 | 1 Year Certificate |
| 18 months | 3.42% | $250 | 18 Month Variable Certificate @ 50% of Wall Street Journal Prime |
| 18 months | 3.29% | $250 | 18 Month Certificate |
| 24 months | 3.09% | $250 | One Time Bump CD 2 year term |
| 24 months | 3.19% | $250 | 2 Year Certificate |
| 36 months | 2.93% | $250 | One Time Bump CD 3 year term |
| 36 months | 3.03% | $250 | 3 Year Certificate |
| 48 months | 3.29% | $250 | 4 Year Certificate |
| 60 months | 3.55% | $250 | 5 Year Certificate |
| IRA CDs | |||
| 12 months | 3.91% | $250 | 1 Year IRA Certificate |
| 18 months | 3.39% | $250 | 18 Month IRA Certificate |
| 18 months | 3.42% | $250 | 18 Month Variable IRA Certificate @ 50% of Wall Street Journal Prime |
| 24 months | 3.19% | $250 | One Time Bump IRA 2 year term |
| 24 months | 3.29% | $250 | 2 Year IRA Certificate |
| 36 months | 3.03% | $250 | One Time Bump IRA 3 year term |
| 36 months | 3.14% | $250 | 3 Year IRA Certificate |
| 48 months | 3.39% | $250 | 4 Year IRA Certificate |
| 60 months | 3.65% | $250 | 5 Year IRA Certificate |
Interactive Tool
Calculate Savings for Bank of Star Valley
All calculations are based on APY.
Tiered rates: 0.03% to 1.00% APY across 5 balance tiers.
Savings Breakdown
- Interest Earned+$51.70(0.4%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,051.70
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What Bank of Star Valley pays on deposits
FDIC call report data
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced all of its deposits over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
The two figures answer different questions, so they sit side by side and are not combined. The 1.00% needs a balance of at least $500,000. Below that, the account advertises 0.03%.
In Q1 2026, Bank of Star Valley paid a higher average rate than 56% of U.S. banks (all-bank median 2.27%).
- Bank of Star Valley, avg rate paid
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers every account that earns interest: savings, interest checking, money market accounts, CDs, and personal and business accounts at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older balances at the rates of earlier years, everyday transaction balances, and CDs that were priced in a different rate environment. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rate paid on interest-bearing deposits, quarterly. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Passbook Savings | 1.00% | $10 | $10 | None | not stated | None | Tiered | not enough history |
| Statement Savings | 1.00% | $100 | $100 | None | not stated | None | Tiered | not enough history |
| Health Savings | 0.30% | $50 | $50 | None | not stated | None | Tiered | not enough history |
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| Personal CDs | |||||
| 3 Month Certificate | 3 months | 2.78% | $250 | not stated | not stated |
| 6 Month Certificate | 6 months | 3.55% | $250 | not stated | not stated |
| 1 Year Certificate | 12 months | 3.80% | $250 | not stated | not stated |
| 18 Month Variable Certificate @ 50% of Wall Street Journal Prime | 18 months | 3.42% | $250 | not stated | not stated |
| 18 Month Certificate | 18 months | 3.29% | $250 | not stated | not stated |
| One Time Bump CD 2 year term | 24 months | 3.09% | $250 | not stated | not stated |
| 2 Year Certificate | 24 months | 3.19% | $250 | not stated | not stated |
| One Time Bump CD 3 year term | 36 months | 2.93% | $250 | not stated | not stated |
| 3 Year Certificate | 36 months | 3.03% | $250 | not stated | not stated |
| 4 Year Certificate | 48 months | 3.29% | $250 | not stated | not stated |
| 5 Year Certificate | 60 months | 3.55% | $250 | not stated | not stated |
| IRA CDs | |||||
| 1 Year IRA Certificate | 12 months | 3.91% | $250 | not stated | not stated |
| 18 Month IRA Certificate | 18 months | 3.39% | $250 | not stated | not stated |
| 18 Month Variable IRA Certificate @ 50% of Wall Street Journal Prime | 18 months | 3.42% | $250 | not stated | not stated |
| One Time Bump IRA 2 year term | 24 months | 3.19% | $250 | not stated | not stated |
| 2 Year IRA Certificate | 24 months | 3.29% | $250 | not stated | not stated |
| One Time Bump IRA 3 year term | 36 months | 3.03% | $250 | not stated | not stated |
| 3 Year IRA Certificate | 36 months | 3.14% | $250 | not stated | not stated |
| 4 Year IRA Certificate | 48 months | 3.39% | $250 | not stated | not stated |
| 5 Year IRA Certificate | 60 months | 3.65% | $250 | not stated | not stated |
Opening and using the account
| Availability | Available in WY |
|---|---|
| Footprint | 3 branches in WY |
| Eligibility | not stated |
How Bank of Star Valley behaves over time
- Rate last changed
- Sep 9, 2026(effective date)
$10,000 at the 1.00% APY Bank of Star Valley advertises on Passbook Savings grows to $10,100 in a year. Prices rose 3.4% in the year to July 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,772 does today. See how the federal funds rate shapes savings rates.
Bank of Star Valley CD rates over time
Who is Bank of Star Valley?
| Headquarters | Afton, WY |
|---|---|
| Founded | 1996 |
| Scale | $404M assets · $355M deposits, $253M of it interest-bearing (Q1 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 34148 |
Financial detail is in What Bank of Star Valley pays on deposits above.
Common questions about Bank of Star Valley
Is Bank of Star Valley FDIC insured?
Yes. Bank of Star Valley is FDIC insured under certificate 34148, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at Bank of Star Valley?
Bank of Star Valley requires a minimum deposit of $10 to open its Passbook Savings account, as observed on Sep 9, 2026. Check the bank's current terms before you open an account.
Does the 1.00% apply to my whole balance?
The 1.00% needs a balance of at least $500,000. Below that, the account advertises 0.03%. Rates are as observed on Sep 9, 2026.
Does Bank of Star Valley have branches?
Yes. Bank of Star Valley operates 3 branches according to FDIC branch records, in addition to its website and mobile apps.
Bank of Star Valley against its closest alternatives
| Bank | Savings APY | Rate paid (Q1 2026) | Min deposit | Branches |
|---|---|---|---|---|
| Bank of Star Valley | 2.53% | 2.38% | $1,000 | 3 branches in WY |
| BankGloucester | 2.00% | 2.01% | $10,000 | 3 branches in MA |
| CBBC Bank | 1.00% | 1.82% | $2,500 | 7 branches in TN |
| Citizens Bank & Trust Co. | 1.00% | 2.46% | $5,000 | 2 branches in MS |
Alternatives are the three tracked banks whose highest savings APY is closest to Bank of Star Valley's.
Similar banks and rate hubs
Banks in the same rate band with the same product mix:
Rate hubs: today's highest savings rates, and CD rates by term.