Highest Savings Rates in Wyoming
18 Wyoming-specific accounts
Top Wyoming Rate:3.15% APYFDIC or NCUA Insured
The Wyoming market
Wyoming accounts
18
Institutions
13
Top Wyoming APY
3.15% APY
Nationally: 5.00% APY
FDIC national average
0.37%
As of Sep 2026
18 savings accounts are open only to Wyoming residents, from 13 institutions. The highest advertised APY among them is 3.15%.
The highest nationally available rate is 5.00% APY, 185 basis points above the Wyoming leader.
13 of the 18 Wyoming savings accounts advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.
Wyoming-Specific Savings Accounts
These savings accounts are specifically available to Wyoming residents.
| # | Institution & Rate | Earned in a year at $10,000 | Requirements & Features | Minimum Deposit | Actions |
|---|---|---|---|---|---|
| #1 | Show Details | +$315per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | $0 | |
| #2 | Show Details | +$300per year | Deposit Insurance FDIC InsuredFeatures No MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | $0 | |
| #3 | Show Details | +$235per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1,000 | |
| #4 | Jonah Bank of Wyoming Saddle Up Savings Up to1.87%APY Needs at least $150,000 No min. balance for APY Observed: Oct 7, 2026 Show Details | +$126per yearEffective: 1.26% | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #5 | Show Details | +$96per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #6 | Big Horn Federal Savings Bank ChecklessRAM Trans PB - ATM/ACH 0.75%APY Min. balance: $2,000.01 Observed: Oct 13, 2026 Show Details | +$75per year | Deposit Insurance FDIC InsuredRequires Mod. Minimum Features In-Person Access | $25 | |
| #7 | Show Details | +$60per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #8 | Show Details | +$55per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $5 | |
| #9 | Show Details | +$55per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #10 | Show Details | +$50per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #11 | Show Details | +$40per yearEffective: 0.40% | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #12 | Bank of Star Valley Passbook Savings Up to1.00%APY Needs at least $500,000 Min. balance: $10 Observed: Oct 7, 2026 Show Details | +$25per yearEffective: 0.25% | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #13 | Bank of Star Valley Statement Savings Up to1.00%APY Needs at least $500,000 Min. balance: $100 Observed: Oct 7, 2026 Show Details | +$25per yearEffective: 0.25% | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #14 | Show Details | +$25per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $200 | |
| #15 | Show Details | +$25per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $200 | |
| #16 | Show Details | +$8per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #17 | Show Details | +$8per year | Deposit Insurance FDIC InsuredRequires Linked Account Features Low MinimumsIn-Person Access | $25 | |
| #18 | Show Details | +$1per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 |
#1
PNC
PNC High Yield Savings
+$315
per year
3.15% APY
Oct 13, 2026
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported
What to Watch
Eligibility restricted to select states.
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $1 |
| Maintenance Fee | $0 |
| Compound Freq | Monthly |
| Direct Deposit | Not required |
| Branches | Multiple branches in AL, AZ, CA, CO, DE, DC, FL, GA, IL, IN, KS, KY, MD, MA, MI, MO, NJ, NM, NY, NC, OH, PA, SC, TN, TX, VA, WV, WI |
| Deposit Insurance | FDIC Insured(Cert: 6384) |
| Eligibility | AK, AR, CT, HI, ID, IA, LA, ME, MN, MS, MT, NE, NV, NH, ND, OK, OR, RI, SD, UT, VT, WA, WY |
| Zelle® | SupportedLimit: $2,000 /dayCentral to Virtual Wallet suite. |
| Mobile Ratings | |
| BBB Rating | A+(Not BBB Accredited) |
Rate Stability
Very StableNo rate changes in last 90 days
#2
Citibank
Citi Accelerate Savings
+$300
per year
3.00% APY
Oct 13, 2026
FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported
What to Watch
Eligibility restricted to select states.
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $0.01 |
| Maintenance Fee | $4.50. Waived for average monthly balances > $500 |
| Compound Freq | Daily |
| Direct Deposit | Not required |
| Branches | U.S. branches are concentrated in six metropolitan areas, New York City, Chicago, Los Angeles, San Francisco, Washington, D.C., and Miami. |
| Deposit Insurance | FDIC Insured(Cert: 7213) |
| Eligibility | Alaska, Alabama, Arkansas, Arizona, Colorado, Delaware, Florida (select parts), Georgia, Hawaii, Iowa, Idaho, Illinois (select parts), Indiana, Kansas, Kentucky, Louisiana, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia (partial), Washington (partial), Wisconsin, West Virginia, Wyoming. |
| Zelle® | SupportedLimit: $2,500 /dayTiered limits based on account status (Citigold higher). |
| Mobile Ratings | |
| BBB Rating | D-(Not BBB Accredited) |
Rate Stability
Rate Increased
+0.20%
Since 30 days ago#3
Gateway First Bank
Gateway High Yield Savings
+$235
per year
2.35% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $1,000 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 15118) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#4
Jonah Bank of Wyoming
Saddle Up Savings
+$126
per year
1.87% APY
Oct 7, 2026
Needs at least $150,000
APY Range: 0.90% – 1.87%
FDIC InsuredLow MinimumsIn-Person Access
What to Watch
The monthly service charge is waived by a minimum daily balance of $100.
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 58396) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
#5
Big Horn Federal Savings Bank
RAMSave Passbook
+$96
per year
0.96% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
What to Watch
Withdrawals beyond 5 in a month cost $3 each.
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 29637) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#6
Big Horn Federal Savings Bank
ChecklessRAM Trans PB - ATM/ACH
+$75
per year
0.75% APY
Oct 13, 2026
FDIC InsuredMod. MinimumIn-Person Access
What to Watch
Interest is earned only on balances over $2,000.
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | $2,000.01 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 29637) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#7
Security State Bank
Savings (Consumer & Business)
+$60
per year
0.60% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
What to Watch
The account is limited to a set number of withdrawals each month.
Show Fine Print & Trends Hide Details
| Min. Deposit | $50 |
| Min. Balance | $20 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 12592) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#8
First Northern Bank of Wyoming
Personal Savings
+$55
per year
0.55% APY
Oct 8, 2026
FDIC InsuredLow MinimumsIn-Person Access
What to Watch
A service fee is charged if the balance falls below the minimum balance of $5. The bank does not publish the fee amount online.
Show Fine Print & Trends Hide Details
| Min. Deposit | $5 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 2208) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#9
Pinnacle Bank - Wyoming
PinnSave
+$55
per year
0.55% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
What to Watch
The published rate is available only for accounts opened online. A $1 monthly service charge applies on any day the balance falls below $100, and withdrawals beyond six in a month cost $1 each.
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 2232) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#10
Gateway First Bank
Personal Savings
+$50
per year
0.50% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 15118) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#11
Wyoming Community Bank
Savings Account
+$40
per year
0.60% APY
Oct 7, 2026
Needs at least $50,000
APY Range: 0.40% – 0.60%
FDIC InsuredLow MinimumsIn-Person Access
What to Watch
The monthly service charge is waived for depositors under 18, whatever the balance.
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | N/A |
| Maintenance Fee | If average monthly account balance falls below $250 there is a $2.50 service charge assessed. Service charge is waived for depositors under 18. |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 35220) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
#12
Bank of Star Valley
Passbook Savings
+$25
per year
1.00% APY
Oct 7, 2026
Needs at least $500,000
APY Range: 0.03% – 1.00%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | $10 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 34148) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
#13
Bank of Star Valley
Statement Savings
+$25
per year
1.00% APY
Oct 7, 2026
Needs at least $500,000
APY Range: 0.03% – 1.00%
FDIC InsuredLow MinimumsIn-Person Access
What to Watch
A $1 quarterly service charge applies if the minimum daily balance is not maintained.
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $100 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 34148) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
#14
Cowboy State Bank
Cowboy Savings
+$25
per year
0.25% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
What to Watch
The monthly service charge is waived for account holders under 18 years of age.
Show Fine Print & Trends Hide Details
| Min. Deposit | $200 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 8725) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#15
Cowboy State Bank
Investor Savings
+$25
per year
0.25% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $200 |
| Min. Balance | $1,000 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 8725) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#16
ANB Bank
Personal Savings
+$8
per year
0.08% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 19220) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#17
ANB Bank
Spare-Change Savings
+$8
per year
0.08% APY
Oct 7, 2026
FDIC InsuredLinked AccountLow MinimumsIn-Person Access
What to Watch
A debit card linked to an ANB checking account is required. Cancelling the automatic round-up turns this into a Personal Savings Account, under that product's balance rules and fees.
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 19220) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#18
BMO Bank
Savings Builder
+$1
per year
0.01% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 16571) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
Nationally Available Savings Accounts
The 8 highest-rate savings accounts available nationwide, including in Wyoming.
| Institution | Product / Term | APY |
|---|---|---|
| Axos Bank | Axos ONE Savingsfirst $49,999.99 only · needs a linked account at the bank · promotional rate | Up to5.00% |
| GO2bank | High Yield Savingsfirst $5,000 only · needs a linked account at the bank | Up to4.50% |
| Elevault | High Yield Savings Account | 4.34% |
| Peak Bank | Envision High Yield Savingsup to $499,999.99 only | 4.27% |
| Betterment | Cash Reservepromotional rate | Up to4.25% |
| Neighbors Bank | Neighbors Savings Account | 4.25% |
| Pibank | Pibank Savings | 4.25% |
| EverBank | Performance Savings | 4.20% |