Best CD Rates in Wyoming
Vikram Singh
Best 6-Month CD Rates in Wyoming

Bank or Credit Union Name: Capital One
Minimum Amount: $0
APY / Rate: 4.00%
Pros:
- High-yield certificate of deposits
- FDIC-insured investment up to maximum
- 24/7 access to the account
- Among the 10 largest U.S. banks by assets.
- It offers branches in seven Eastern and two Southern states
- The bank offers high rates on its savings and CD accounts
Rules:
- CDs can be opened in the name of one person, or joint accounts in the names of more than one person, or payable on death.
- Once the CD is registered, a Truth-in-Savings disclosure with detailed information about the account is provided to the customer.
- Interest earned is credited to the account monthly on the very date the account was opened.
- There are no balance minimums or monthly fees, and you won’t need to worry about overdraft fees either.

Bank or Credit Union Name: Merrick Bank
Minimum Amount: $25000
APY / Rate: 4.70%
Pros:
- Top-tier APY on CD
- 24/7 access to the account through online banking
- CD options ranging from 3 to 6 months
- FDIC-insured banking
Rules:
- CD can be booked in the name of one person or joint accounts in the names of more than one person
- Truth-in-Savings disclosure with detailed information about the CD is shared with the customer
- Interest is accrued and credited to the account monthly.

Bank or Credit Union Name: CFG Bank
Minimum Amount: $500
APY / Rate:4.65%
Pros:
- Top-tier rate of interest
- Decent minimum amount requirement
- FDIC-insured banking option
- 24/7 account access
Rules:
- A CD can be opened online or by contacting the branch.
- The investor has to make a minimum deposit allowed of $500. The maximum deposit limit is set at $250,000.
- The interest on the CD is compounded monthly.
- Premature withdrawal from the CD is subject to a penalty.

Bank or Credit Union Name: First Internet Bank of Indiana
Minimum Amount: $1000
APY / Rate: 4.59
Pros:
- Online-only CD options are available
- Highly competitive CD rates in a 1-year term
- Early withdrawal penalties are decent
- FDIC-insured bank with investment covered to the max
- Terms ranging from 3 months to 5 years
Rules:
- Interest on CDs is compounded monthly and added to the account at the month’s end.
- Early withdrawal incurs a penalty amounting to:
- 1- 90 days interest for a 3-month term
- 2- 180 days interest for a 6-18 month term
- 3- 365 days interest for 24-60 month term
Best 12-Month CD Rates in Wyoming

Bank or Credit Union Name: Merrick Bank
Minimum Amount: $25000
APY / Rate: 4.70%
Pros:
- Top-tier APY on CD
- 24/7 access to the account through online banking
- CD options ranging from 3 to 6 months
- FDIC-insured banking
Rules:
- CD can be booked in the name of one person or joint accounts in the names of more than one person
- Truth-in-Savings disclosure with detailed information about the CD is shared with the customer
- Interest is accrued and credited to the account monthly.

Bank or Credit Union Name: CommunityWide FCU
Minimum Amount: $1000.00
APY / Rate: 4.00% APY
Pros:
- NCUA Insured to at least $250,000
- Dividends can be compounded in certificates / deposited to another share/ transferred to another institution
- Option to renew on the maturity
Rules:
- Any withdrawal before maturity is charged with a penalty
- Penalty= amount of the withdrawal x the remaining term (days) of the certificate at the rate of 2x the current APR (divided by 365)
- Dividends are paid at the end of the month

Bank or Credit Union Name: Bread Savings
Minimum Amount: $1500
APY / Rate: 4.50% APY
Pros:
- Excellent for earning a competitive interest rate on a savings account or CD.
- Without monthly services.
- Free domestic incoming wire transfers on savings account
Rules:
- APYs are subject to change at any time without notice
- The penalty will be applied for early withdrawals on CDs
- At maturity, your CD will automatically renew and earn the base interest rate

Bank or Credit Union Name: First National Bank of America
Minimum Amount: $1000
APY Rate: 4.40% APY
Pros:
- Competitive APY on online CDs and high-yield savings accounts
- Fee-free access to 55,000 all ATM networks.
- Digital banking access online and via an app
Rules:
- Interest rates and APYs are subject to change without notice.
- Early withdrawal will reduce earnings and impose the penalty
- APY on all services will remain deposited until maturity.

Bank or Credit Union Name: PenFed Credit Union
Minimum Amount: $1000.00
APY / Rate: 4.25 % APY
Pros:
- High-yield checking account with easy-to-waive monthly fees
- Opening checking and savings accounts require a low minimum deposit.
- Online savings account with a competitive dividend rate
Rules:
- On early withdrawal, account earnings will be reduced.
- Require a written notice of up to 60 days of the intention to withdraw funds
Best 2 Years CD Rates in Wyoming

Bank or Credit Union Name: Bread Savings
Minimum Amount: $1500
APY / Rate: 4.50% APY
Pros:
- Excellent for earning a competitive interest rate on a savings account or CD.
- Without monthly services.
- Free domestic incoming wire transfers on savings account
Rules:
- APYs are subject to change at any time without notice
- The penalty will be applied for early withdrawals on CDs
- At maturity, your CD will automatically renew and earn the base interest rate

Bank or Credit Union Name: Synchrony Bank
Minimum Amount: $0.0
APY / Rate: 4.30% APY
Pros:
- Best APY rate
- No minimum balance required
- High-yield savings options
- No penalty on premature interest withdrawal
- 10 days grace period after maturity to add more funds to the CD
Rules:
- The interest is compounded monthly and added to the account at the end of the month.
- There is no minimum balance required to earn interest.
- Also no penalty on premature withdrawals.

Bank or Credit Union Name: First National Bank of America
Minimum Amount: $1000
APY Rate: 4.40% APY
Pros:
- Competitive APY on online CDs and high-yield savings accounts
- Fee-free access to 55,000 all ATM networks.
- Digital banking access online and via an app
Rules:
- Interest rates and APYs are subject to change without notice.
- Early withdrawal will reduce earnings and impose the penalty
- APY on all services will remain deposited until maturity.

Bank or Credit Union Name: Pentagon Federal Credit Union
Minimum Amount: $1000
APY / Rate: 4.35 % APY
Pros:
- Easy online and mobile access.
- Checking account dividends are compounded daily and paid monthly
- 85,000 free ATM network access nationwide.
- Competitive APY rates.
Rules:
- NCUA insured.
- Rates are the same and are subject to change.
- Penalties applied for early withdrawal.
- The penalty will be 30% of the gross amount of dividends after 365 days of the open date.
Best 3 Years CD Rates in Wyoming

Bank or Credit Union Name: Bread Savings
Minimum Amount: $1500
APY / Rate: 4.50% APY
Pros:
- Excellent for earning a competitive interest rate on a savings account or CD.
- Without monthly services.
- Free domestic incoming wire transfers on savings account
Rules:
- APYs are subject to change at any time without notice
- The penalty will be applied for early withdrawals on CDs
- At maturity, your CD will automatically renew and earn the base interest rate

Bank or Credit Union Name: Pentagon Federal Credit Union
Minimum Amount: $1000
APY / Rate: 4.05% APY
Pros:
- Easy online and mobile access.
- Checking account dividends are compounded daily and paid monthly
- 85,000 free ATM network access nationwide.
- Competitive APY rates.
Rules:
- NCUA insured.
- Rates are the same and are subject to change.
- Penalties applied for early withdrawal.
- The penalty will be 30% of the gross amount of dividends after 365 days of the open date.

Bank or Credit Union Name: Synchrony Bank
Minimum Amount: $0.00
APY / Rate: 4.30% APY
Pros:
- Best APY rate
- No minimum balance required
- High-yield savings options
- No penalty for premature interest withdrawal
- 10 days grace period after maturity to add more funds to the CD
Rules:
- The interest is compounded monthly and added to the account at the end of the month.
- There is no minimum balance required to earn inter

Bank or Credit Union Name: First National Bank of America
Minimum Amount: $1000
APY Rate: 4.40% APY
Pros:
- Competitive APY on online CDs and high-yield savings accounts
- Fee-free access to 55,000 all ATM networks.
- Digital banking access online and via an app
Rules:
- Interest rates and APYs are subject to change without notice.
- Early withdrawal will reduce earnings and impose the penalty
- APY on all services will remain deposited until maturity.
Best 5 Years CD Rates in Wyoming

Bank or Credit Union Name: Bread Savings
Minimum Amount: $1500
APY / Rate: 4.75% APY
Pros:
- $1,500 minimum opening deposit
- FDIC insured
- Zero service charges
- Interest Accrued and compounded daily & Credited and posted monthly
Rules:
- APYs are subject to change at any time without notice
- The penalty will be applied for early withdrawals on CDs
- The penalty is calculated based on 365 days of simple interest.
- $25 per outgoing wire transfer
- Auto-renew at maturity or cash out without penalty within the 10-day grace period

Bank or Credit Union Name: Popular Direct
Minimum Amount: $10000
APY / Rate: 4.50%
Pros:
- Highly competitive rates for 6-month CDs
- 24/7 access to the bank account
- No hidden fees or charges
- Customer support for all sorts of queries and concerns
- FDIC-insured bank up to maximum
Rules:
- APY can be earned assuming the interest and the principal remains on deposit until maturity.
- Interest is compounded monthly and added to the account at the end of the month.
- Early withdrawal fetches a penalty and there is a grace period after maturity to add additional funds to the CD

Bank or Credit Union Name: Synchrony Bank
Minimum Amount: $0.00
APY / Rate: 4.30% APY
Pros:
- Best APY rate
- No minimum balance required
- High-yield savings options
- No penalty for premature interest withdrawal
- 10 days grace period after maturity to add more funds to the CD
Rules:
- The interest is compounded monthly and added to the account at the end of the month.
- There is no minimum balance required to earn interest.
- Also no penalty on premature withdrawals.

Bank or Credit Union Name: PenFed Credit Union
Minimum Amount: $1000.00
APY / Rate: 3.90 % APY
Pros:
- High-yield checking account with easy-to-waive monthly fees
- Opening checking and savings accounts require a low minimum deposit.
- Online savings account with a competitive dividend rate
Rules:
- On early withdrawal, account earnings will be reduced.
- Require a written notice of up to 60 days of the intention to withdraw funds