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Highest CD Rates in Wyoming
84 Wyoming-specific CD products

By Aviel Fahl

Newest reading: October 13, 2026

Top Wyoming Rate:3.92% APYFDIC or NCUA Insured

The Wyoming market

Wyoming accounts

84

Institutions

9

Top Wyoming APY

3.92% APY

Nationally: 5.00% APY

FDIC national average

1.73%

As of Sep 2026

84 CDs are open only to Wyoming residents, from 9 institutions. The highest advertised APY among them is 3.92%.

The highest nationally available rate is 5.00% APY, 108 basis points above the Wyoming leader.

62 of the 84 Wyoming CDs advertise more than the FDIC national average of 1.73% for 12-month CDs as of Sep 2026.

Wyoming-Specific CD Rates

CD rates specifically available to Wyoming residents. Business, youth and IRA CDs are not included.

Top 50 CD terms from 8 banks,sorted by highest APY
#1
Big Horn Federal Savings Bank

8 year CD

Term: 96 months

3.92%
APY
Observed: Oct 13, 2026
Min Deposit

$500

Branches

Yes

#2
Gateway First Bank

12 Month CD

Term: 12 months

3.85%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

Yes

#3
Gateway First Bank

18 Month CD

Term: 18 months

3.85%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

Yes

#4
Wyoming Community Bank

5 Year CD

Term: 60 months

Up to3.85%
APY

Needs at least $100,000

Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#5
Bank of Star Valley

1 Year Certificate

Term: 12 months

3.80%
APY
Observed: Oct 7, 2026
Min Deposit

$250

Branches

Yes

#6
Wyoming Community Bank

4 Year CD

Term: 48 months

Up to3.80%
APY

Needs at least $100,000

Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#7
Big Horn Federal Savings Bank

6 year CD

Term: 72 months

3.79%
APY
Observed: Oct 13, 2026
Min Deposit

$500

Branches

Yes

#8
Big Horn Federal Savings Bank

4 year CD

Term: 48 months

3.77%
APY
Observed: Oct 13, 2026
Min Deposit

$500

Branches

Yes

#9
Wyoming Community Bank

3 Year CD

Term: 36 months

Up to3.75%
APY

Needs at least $100,000

Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#10
Wyoming Community Bank

2 Year CD

Term: 24 months

Up to3.70%
APY

Needs at least $100,000

Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#11
Big Horn Federal Savings Bank

3 year CD

Term: 36 months

3.69%
APY
Observed: Oct 13, 2026
Min Deposit

$500

Branches

Yes

#12
Big Horn Federal Savings Bank

5 year CD

Term: 60 months

3.69%
APY
Observed: Oct 13, 2026
Min Deposit

$500

Branches

Yes

#13
Wyoming Community Bank

1 Year CD

Term: 12 months

Up to3.65%
APY

Needs at least $100,000

Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#14
Gateway First Bank

6 Month CD

Term: 6 months

3.60%
APY
Observed: Oct 7, 2026
Min Deposit

N/A

Branches

Yes

#15
Wyoming Community Bank

6 Month CD

Term: 6 months

Up to3.58%
APY

Needs at least $100,000

Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#16
Bank of Star Valley

6 Month Certificate

Term: 6 months

3.55%
APY
Observed: Oct 7, 2026
Min Deposit

$250

Branches

Yes

#17
Bank of Star Valley

5 Year Certificate

Term: 60 months

3.55%
APY
Observed: Oct 7, 2026
Min Deposit

$250

Branches

Yes

#18
ANB Bank

60 Month CD

Term: 60 months

3.51%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#19
Gateway First Bank

3 Month CD

Term: 3 months

3.50%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

Yes

#20
Gateway First Bank

24 Month CD

Term: 24 months

3.50%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

Yes

#21
Big Horn Federal Savings Bank

2 year CD

Term: 24 months

3.48%
APY
Observed: Oct 13, 2026
Min Deposit

$500

Branches

Yes

#22
ANB Bank

48 Month CD

Term: 48 months

3.45%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#23
Bank of Star Valley

18 Month Variable Certificate @ 50% of Wall Street Journal Prime

Term: 18 months

3.42%
APY
Observed: Oct 7, 2026
Min Deposit

$250

Branches

Yes

#24
Big Horn Federal Savings Bank

18 month CD

Term: 18 months

3.41%
APY
Observed: Oct 13, 2026
Min Deposit

$500

Branches

Yes

#25
ANB Bank

36 Month CD

Term: 36 months

3.40%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#26
ANB Bank

24 Month CD

Term: 24 months

3.35%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#27
BMO Bank

59 Month CD Special

Term: 59 months

3.35%
APY
Observed: Oct 9, 2026
Min Deposit

$1,000

Branches

Yes

#28
Big Horn Federal Savings Bank

1 year CD

Term: 12 months

3.30%
APY
Observed: Oct 13, 2026
Min Deposit

$500

Branches

Yes

#29
ANB Bank

12 Month CD

Term: 12 months

3.30%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#30
Wyoming Community Bank

3 Month CD

Term: 3 months

Up to3.29%
APY

Needs at least $100,000

Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#31
Cowboy State Bank

6-Month CD

Term: 6 months

3.29%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

Yes

#32
Bank of Star Valley

18 Month Certificate

Term: 18 months

3.29%
APY
Observed: Oct 7, 2026
Min Deposit

$250

Branches

Yes

#33
Bank of Star Valley

4 Year Certificate

Term: 48 months

3.29%
APY
Observed: Oct 7, 2026
Min Deposit

$250

Branches

Yes

#34
Gateway First Bank

36 Month CD

Term: 36 months

3.25%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

Yes

#35
BMO Bank

45 Month CD Special

Term: 45 months

3.25%
APY
Observed: Oct 9, 2026
Min Deposit

$1,000

Branches

Yes

#36
Gateway First Bank

48 Month CD

Term: 48 months

3.25%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

Yes

#37
Gateway First Bank

60 Month CD

Term: 60 months

3.25%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

Yes

#38
Bank of Star Valley

2 Year Certificate

Term: 24 months

3.19%
APY
Observed: Oct 7, 2026
Min Deposit

$250

Branches

Yes

#39
BMO Bank

35 Month CD Special

Term: 35 months

3.15%
APY
Observed: Oct 9, 2026
Min Deposit

$1,000

Branches

Yes

#40
Security State Bank

6 Month CD

Term: 6 months

3.14%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

N/A

#41
Big Horn Federal Savings Bank

6 month CD

Term: 6 months

3.12%
APY
Observed: Oct 13, 2026
Min Deposit

$1,000

Branches

Yes

#42
ANB Bank

180 Day CD

Term: 6 months

3.10%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#43
BMO Bank

25 Month CD Special

Term: 25 months

3.10%
APY
Observed: Oct 9, 2026
Min Deposit

$1,000

Branches

Yes

#44
Security State Bank

12 Month CD

Term: 12 months

3.09%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

N/A

#45
Bank of Star Valley

One Time Bump CD 2 year term

Term: 24 months

3.09%
APY
Observed: Oct 7, 2026
Min Deposit

$250

Branches

Yes

#46
Cowboy State Bank

12-Month CD

Term: 12 months

3.03%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

Yes

#47
Bank of Star Valley

3 Year Certificate

Term: 36 months

3.03%
APY
Observed: Oct 7, 2026
Min Deposit

$250

Branches

Yes

#48
ANB Bank

90 Day CD

Term: 3 months

3.00%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#49
Big Horn Federal Savings Bank

91+ day CD

Term: 3 months

3.00%
APY
Observed: Oct 13, 2026
Min Deposit

$2,500

Branches

Yes

#50
BMO Bank

13 Month CD Special

Term: 13 months

3.00%
APY
Observed: Oct 9, 2026
Min Deposit

$1,000

Branches

Yes

Nationally Available CD Rates

The 8 highest CD rates available nationwide, including in Wyoming.

InstitutionProduct / Term
Popular Direct
60 Months60 months
5.00%
Popular Direct
48 Months48 months
4.95%
Popular Direct
36 Months36 months
4.85%
E*TRADE from Morgan Stanley
12-Month Certificates of Deposit12 months
4.75%
Bread Savings
18-Month CD18 months
4.75%
Barclays
24-Month CD24 months
4.75%
Barclays
60-Month CD60 months
4.75%
Popular Direct
24 Months24 months
4.70%

See the full national list