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CD Rates in Shell, WY – February 2026

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CD Rates in Shell, Wyoming :

Search and compare Shell, WY CD rates from banks and credit unions. Our CD interest rate tables for Shell, WY include 3 month rates, 6 month rates, 12 month rates, 18 month rates, 24 month rates, 36 month rates, 48 month rates and 60 month rates. You can search for the best CD rates in Shell, WY or by zip code. Once you have entered your search criteria a list of the highest Shell, WY CD rates will be displayed. MonitorBankRates also offers a free CD calculator and CD ladder calculator you can use to calculate your certificate of deposit investment return. .

Current Shell, Wyoming CD Rates

Big Horn Federal Savings Bank has a General Rates - 24 Month CD available at 3.75% APY (min deposit $0). Valley Financial Credit Union has a Business Share Certificates 12 Month Certificate available at 3.66% APY (min deposit $500). Hilltop National Bank has a 36 Month CD available at 3.75% APY (min deposit $0). StagePoint Federal Credit Union is offering a 6 Month CD in Shell, Wyoming with an APY of 3.56%.

Find the best CD rates in Shell, WY today. Our real-time rate table below compares offers from top lenders to help you grow your savings. Whether you are looking for a short-term certificate or a long-term investment in WY, comparing APYs is the best way to maximize your earnings.

Last Updated: February 9, 2026

CD Rates in Shell, WY and Area

  • General Rates - 24 Month CD:
    3.75%
  • Business Share Certificates 12 Month Certificate:
    3.66%
  • 36 Month CD:
    3.75%
  • 6 Month CD:
    3.56%
  • Business Share Certificates 24 Month Certificate:
    3.45%

Rates shown are recent market averages and representative quotes. Actual rates may vary.

Last Updated: February 9, 2026
Institution
Product
APY
Min Deposit
Hilltop National Bank Glenrock, WY
3 Month CD
3.75%
$0
APY 3.75%
Min Deposit $0
Updated February 9, 2026
Details
ANB Bank Worland, WY
Certificates of Deposit 90 Day
2.88%
$1,000
APY 2.88%
Min Deposit $1,000
Updated February 9, 2026
Details
Sunlight Federal Credit Union Worland, WY
Share Certificates 3 Month CD
2.78%
$0
APY 2.78%
Min Deposit $0
Updated February 9, 2026
Details Early Withdrawal Penalty: 90 Days Interest
Citco Federal Credit Union Sheridan, WY
Share Certificates 3 month
2.53%
$0
APY 2.53%
Min Deposit $0
Updated February 9, 2026
Details
Security State Bank Basin, WY Worland, WY
CD 3 Month CD
1.86%
$1,000
APY 1.86%
Min Deposit $1,000
Updated February 9, 2026
Details Min to Earn Interest
Wells Fargo Thayne, WY
General Rates - 3 month Standard Fixed Rate Balance CD
1.02%
$2,500
APY 1.02%
Min Deposit $2,500
Updated February 9, 2026
Details minimum opening deposit
Big Horn Federal Savings Bank Worland, WY
3 Month CD
0.05%
$0
APY 0.05%
Min Deposit $0
Updated February 9, 2026
Details
Institution
Product
APY
Min Deposit
Sunlight Federal Credit Union Worland, WY
Share Certificates 6 Month Youth CD
3.75%
$0
APY 3.75%
Min Deposit $0
Updated February 9, 2026
Details Early Withdrawal Penalty: 90 Days Interest
StagePoint Federal Credit Union Laramie, WY
6 Month CD
3.56%
$0
APY 3.56%
Min Deposit $0
Updated February 9, 2026
Details Minimum Average Daily Balance Requirements
Uniwyo Federal Credit Union Laramie, WY
Share Certificate Rates 6 Month
3.45%
$100
APY 3.45%
Min Deposit $100
Updated February 9, 2026
Details Minimum Deposit $100.00
FNB of Wyoming Sheridan, WY
IRA Fixed - 6 Month
3.39%
$25
APY 3.39%
Min Deposit $25
Updated February 9, 2026
Details
Security State Bank Basin, WY Worland, WY
CD 6 Month CD
3.14%
$1,000
APY 3.14%
Min Deposit $1,000
Updated February 9, 2026
Details Min to Earn Interest
Big Horn Federal Savings Bank Worland, WY
6 month CD
3.12%
$0
APY 3.12%
Min Deposit $0
Updated February 9, 2026
Details $1,000
ANB Bank Worland, WY
Certificates of Deposit 180 Day
2.98%
$1,000
APY 2.98%
Min Deposit $1,000
Updated February 9, 2026
Details
First Education Federal Credit Union Cheyenne, WY
6 Month CD
2.78%
$0
APY 2.78%
Min Deposit $0
Updated February 9, 2026
Details Minimum Balance
Cheyenne Laramie County Employees FCU Cheyenne, WY
6 Month CD
2.00%
$500
APY 2.00%
Min Deposit $500
Updated February 9, 2026
Details Minimum Deposit
Wells Fargo Thayne, WY
General Rates - 6 month Standard Fixed Rate Balance CD
1.02%
$2,500
APY 1.02%
Min Deposit $2,500
Updated February 9, 2026
Details minimum opening deposit
Institution
Product
APY
Min Deposit
Hilltop National Bank Glenrock, WY
12 Month CD
3.75%
$0
APY 3.75%
Min Deposit $0
Updated February 9, 2026
Details
Valley Financial Credit Union Cody, WY
Business Share Certificates 12 Month Certificate
3.66%
$500
APY 3.66%
Min Deposit $500
Updated February 9, 2026
Details $500 Minimum
Bank of Star Valley Thayne, WY
Certificate 1 Year
3.65%
$250
APY 3.65%
Min Deposit $250
Updated February 9, 2026
Details
FirsTier Bank Upton, WY
General Rates - Step-Up 12 Month CD
3.60%
$0
APY 3.60%
Min Deposit $0
Updated February 9, 2026
Details
CAMPCO Wright, WY
Share Certificate - 12 Month CD
3.59%
$0
APY 3.59%
Min Deposit $0
Updated February 9, 2026
Details Minimum Balance
Citco Federal Credit Union Sheridan, WY
Share Certificates 12 month
3.56%
$0
APY 3.56%
Min Deposit $0
Updated February 9, 2026
Details
TRONA VALLEY COMMUNITY ROCK SPRINGS, WY
IRA 12 Month Certificate
3.55%
$0
APY 3.55%
Min Deposit $0
Updated February 9, 2026
Details Dividends Post Quarterly
Uniwyo Federal Credit Union Laramie, WY
IRA Share Certificate 1 Year
3.35%
$100
APY 3.35%
Min Deposit $100
Updated February 9, 2026
Details
Big Horn Federal Savings Bank Worland, WY
1 year CD
3.30%
$0
APY 3.30%
Min Deposit $0
Updated February 9, 2026
Details $500
Wyoming Community Bank Riverton, WY
CD's & IRA's Min. 1 Year
3.25%
$100,000
APY 3.25%
Min Deposit $100,000
Updated February 9, 2026
Details $100,000.00
FNB of Wyoming Sheridan, WY
Certificate of Deposit 12 Month
3.19%
$100
APY 3.19%
Min Deposit $100
Updated February 9, 2026
Details
Security State Bank Basin, WY Worland, WY
CD 12 Month CD
3.09%
$1,000
APY 3.09%
Min Deposit $1,000
Updated February 9, 2026
Details Min to Earn Interest
First Education Federal Credit Union Cheyenne, WY
12 Month CD
3.04%
$0
APY 3.04%
Min Deposit $0
Updated February 9, 2026
Details Minimum Balance
ANB Bank Worland, WY
Certificates of Deposit 12 Month
3.03%
$1,000
APY 3.03%
Min Deposit $1,000
Updated February 9, 2026
Details
Cheyenne Laramie County Employees FCU Cheyenne, WY
12 Month CD
2.25%
$500
APY 2.25%
Min Deposit $500
Updated February 9, 2026
Details Minimum Deposit
Institution
Product
APY
Min Deposit
Big Horn Federal Savings Bank Worland, WY
General Rates - 18 Month CD
3.75%
$0
APY 3.75%
Min Deposit $0
Updated February 9, 2026
Details
TRONA VALLEY COMMUNITY ROCK SPRINGS, WY
IRA 18 Month Certificate
3.40%
$0
APY 3.40%
Min Deposit $0
Updated February 9, 2026
Details Dividends Post Quarterly
Bank of Star Valley Thayne, WY
Certificate 18 Month
3.39%
$250
APY 3.39%
Min Deposit $250
Updated February 9, 2026
Details
Uniwyo Federal Credit Union Laramie, WY
Share Certificate Rates 18 Month
3.30%
$100
APY 3.30%
Min Deposit $100
Updated February 9, 2026
Details Minimum Deposit $100.00
Citco Federal Credit Union Sheridan, WY
Share Certificates 18 month
3.25%
$0
APY 3.25%
Min Deposit $0
Updated February 9, 2026
Details
FNB of Wyoming Sheridan, WY
IRA Fixed - 18 Month
3.14%
$25
APY 3.14%
Min Deposit $25
Updated February 9, 2026
Details
Security State Bank Basin, WY Worland, WY
18 Month CD
3.04%
$1,000
APY 3.04%
Min Deposit $1,000
Updated February 9, 2026
Details Min to Earn Interest
Sunlight Federal Credit Union Worland, WY
Share Certificates 18 Month CD
2.78%
$0
APY 2.78%
Min Deposit $0
Updated February 9, 2026
Details Early Withdrawal Penalty: 180 Days Interest
First Education Federal Credit Union Cheyenne, WY
18 Month CD
2.53%
$0
APY 2.53%
Min Deposit $0
Updated February 9, 2026
Details Minimum Balance
Cheyenne Laramie County Employees FCU Cheyenne, WY
18 Month CD
2.31%
$500
APY 2.31%
Min Deposit $500
Updated February 9, 2026
Details Minimum Deposit
Institution
Product
APY
Min Deposit
Big Horn Federal Savings Bank Worland, WY
General Rates - 24 Month CD
3.75%
$0
APY 3.75%
Min Deposit $0
Updated February 9, 2026
Details
Valley Financial Credit Union Cody, WY
Business Share Certificates 24 Month Certificate
3.45%
$500
APY 3.45%
Min Deposit $500
Updated February 9, 2026
Details $500 Minimum
FirsTier Bank Upton, WY
General Rates - Step-Up 24 Month CD
3.35%
$0
APY 3.35%
Min Deposit $0
Updated February 9, 2026
Details
Bank of Star Valley Thayne, WY
Certificate 2 Year
3.29%
$250
APY 3.29%
Min Deposit $250
Updated February 9, 2026
Details
TRONA VALLEY COMMUNITY ROCK SPRINGS, WY
Business Certificates 24 Month Certificate (730 Days)
3.25%
$0
APY 3.25%
Min Deposit $0
Updated February 9, 2026
Details $200 Minimum
StagePoint Federal Credit Union Laramie, WY
24 Month CD
3.20%
$0
APY 3.20%
Min Deposit $0
Updated February 9, 2026
Details Minimum Average Daily Balance Requirements
Uniwyo Federal Credit Union Laramie, WY
Share Certificate Rates 2 Year
3.10%
$100
APY 3.10%
Min Deposit $100
Updated February 9, 2026
Details Minimum Deposit $100.00
Citco Federal Credit Union Sheridan, WY
Share Certificates 24 month
3.04%
$0
APY 3.04%
Min Deposit $0
Updated February 9, 2026
Details
First Education Federal Credit Union Cheyenne, WY
2 Year CD
3.04%
$0
APY 3.04%
Min Deposit $0
Updated February 9, 2026
Details Minimum Balance
Wyoming Community Bank Riverton, WY
CD's & IRA's Min. 2 Year
3.00%
$100,000
APY 3.00%
Min Deposit $100,000
Updated February 9, 2026
Details $100,000.00
CAMPCO Wright, WY
Share Certificate - 24 Month CD
2.99%
$0
APY 2.99%
Min Deposit $0
Updated February 9, 2026
Details Minimum Balance
FNB of Wyoming Sheridan, WY
Certificate of Deposit 24 Month
2.93%
$100
APY 2.93%
Min Deposit $100
Updated February 9, 2026
Details
Security State Bank Basin, WY Worland, WY
CD 24 Month CD
2.78%
$1,000
APY 2.78%
Min Deposit $1,000
Updated February 9, 2026
Details Min to Earn Interest
Cheyenne Laramie County Employees FCU Cheyenne, WY
24 Month CD
2.36%
$500
APY 2.36%
Min Deposit $500
Updated February 9, 2026
Details Minimum Deposit
Institution
Product
APY
Min Deposit
Hilltop National Bank Glenrock, WY
36 Month CD
3.75%
$0
APY 3.75%
Min Deposit $0
Updated February 9, 2026
Details
Big Horn Federal Savings Bank Worland, WY
3 year CD
3.69%
$0
APY 3.69%
Min Deposit $0
Updated February 9, 2026
Details $500
TRONA VALLEY COMMUNITY ROCK SPRINGS, WY
IRA 36 Month Certificate
3.25%
$0
APY 3.25%
Min Deposit $0
Updated February 9, 2026
Details Dividends Post Quarterly
Uniwyo Federal Credit Union Laramie, WY
IRA Share Certificate 3 Year
3.15%
$100
APY 3.15%
Min Deposit $100
Updated February 9, 2026
Details
Bank of Star Valley Thayne, WY
Certificate 3 Year
3.14%
$250
APY 3.14%
Min Deposit $250
Updated February 9, 2026
Details
StagePoint Federal Credit Union Laramie, WY
36 Month CD
3.04%
$0
APY 3.04%
Min Deposit $0
Updated February 9, 2026
Details Minimum Average Daily Balance Requirements
Wyoming Community Bank Riverton, WY
CD's & IRA's Min. 3 Year
3.00%
$100,000
APY 3.00%
Min Deposit $100,000
Updated February 9, 2026
Details $100,000.00
CAMPCO Wright, WY
Share Certificate - 36 Month CD
2.99%
$0
APY 2.99%
Min Deposit $0
Updated February 9, 2026
Details Minimum Balance
FNB of Wyoming Sheridan, WY
Certificate of Deposit 36 Month
2.93%
$100
APY 2.93%
Min Deposit $100
Updated February 9, 2026
Details
Security State Bank Basin, WY Worland, WY
36 Month CD
2.78%
$1,000
APY 2.78%
Min Deposit $1,000
Updated February 9, 2026
Details Min to Earn Interest
Sunlight Federal Credit Union Worland, WY
Share Certificates 3 Year CD
2.53%
$0
APY 2.53%
Min Deposit $0
Updated February 9, 2026
Details Early Withdrawal Penalty: 180 Days Interest
Cheyenne Laramie County Employees FCU Cheyenne, WY
36 Month CD
2.41%
$500
APY 2.41%
Min Deposit $500
Updated February 9, 2026
Details Minimum Deposit
ANB Bank Worland, WY
Certificates of Deposit 36 Month
2.22%
$1,000
APY 2.22%
Min Deposit $1,000
Updated February 9, 2026
Details
First Education Federal Credit Union Cheyenne, WY
36 Month CD
1.00%
$0
APY 1.00%
Min Deposit $0
Updated February 9, 2026
Details Minimum Balance
Institution
Product
APY
Min Deposit
Big Horn Federal Savings Bank Worland, WY
4 year CD
3.75%
$0
APY 3.75%
Min Deposit $0
Updated February 9, 2026
Details $500
Bank of Star Valley Thayne, WY
Certificate 4 Year
3.39%
$250
APY 3.39%
Min Deposit $250
Updated February 9, 2026
Details
TRONA VALLEY COMMUNITY ROCK SPRINGS, WY
IRA 48 Month Certificate
3.35%
$0
APY 3.35%
Min Deposit $0
Updated February 9, 2026
Details Dividends Post Quarterly
Uniwyo Federal Credit Union Laramie, WY
Share Certificate Rates 4 Year
3.20%
$100
APY 3.20%
Min Deposit $100
Updated February 9, 2026
Details Minimum Deposit $100.00
StagePoint Federal Credit Union Laramie, WY
48 Month CD
3.04%
$0
APY 3.04%
Min Deposit $0
Updated February 9, 2026
Details Minimum Average Daily Balance Requirements
Wyoming Community Bank Riverton, WY
CD's & IRA's Min. 4 Year
3.00%
$100,000
APY 3.00%
Min Deposit $100,000
Updated February 9, 2026
Details $100,000.00
FNB of Wyoming Sheridan, WY
Certificate of Deposit 48 Month
2.93%
$100
APY 2.93%
Min Deposit $100
Updated February 9, 2026
Details
CAMPCO Wright, WY
Share Certificate - 48 Month CD
2.79%
$0
APY 2.79%
Min Deposit $0
Updated February 9, 2026
Details Minimum Balance
Security State Bank Basin, WY Worland, WY
CD 48 Month CD
2.53%
$1,000
APY 2.53%
Min Deposit $1,000
Updated February 9, 2026
Details Min to Earn Interest
Cheyenne Laramie County Employees FCU Cheyenne, WY
48 Month CD
2.44%
$500
APY 2.44%
Min Deposit $500
Updated February 9, 2026
Details Minimum Deposit
ANB Bank Worland, WY
Certificates of Deposit 48 Month
2.12%
$1,000
APY 2.12%
Min Deposit $1,000
Updated February 9, 2026
Details
First Education Federal Credit Union Cheyenne, WY
48 Month CD
1.00%
$0
APY 1.00%
Min Deposit $0
Updated February 9, 2026
Details Minimum Balance
Institution
Product
APY
Min Deposit
Big Horn Federal Savings Bank Worland, WY
5 year CD
3.69%
$0
APY 3.69%
Min Deposit $0
Updated February 9, 2026
Details $500
Bank of Star Valley Thayne, WY
Certificate 5 Year
3.65%
$250
APY 3.65%
Min Deposit $250
Updated February 9, 2026
Details
Hilltop National Bank Glenrock, WY
60 Month CD
3.50%
$0
APY 3.50%
Min Deposit $0
Updated February 9, 2026
Details
TRONA VALLEY COMMUNITY ROCK SPRINGS, WY
IRA 60 Month Certificate
3.35%
$0
APY 3.35%
Min Deposit $0
Updated February 9, 2026
Details Dividends Post Quarterly
Uniwyo Federal Credit Union Laramie, WY
IRA Share Certificate 5 Year
3.30%
$100
APY 3.30%
Min Deposit $100
Updated February 9, 2026
Details
StagePoint Federal Credit Union Laramie, WY
60 Month CD
3.04%
$0
APY 3.04%
Min Deposit $0
Updated February 9, 2026
Details Minimum Average Daily Balance Requirements
Wyoming Community Bank Riverton, WY
CD's & IRA's Min. 5 Year
3.00%
$100,000
APY 3.00%
Min Deposit $100,000
Updated February 9, 2026
Details $100,000.00
FNB of Wyoming Sheridan, WY
Certificate of Deposit 60 Month
2.93%
$100
APY 2.93%
Min Deposit $100
Updated February 9, 2026
Details
CAMPCO Wright, WY
Share Certificate - 60 Month CD
2.79%
$0
APY 2.79%
Min Deposit $0
Updated February 9, 2026
Details Minimum Balance
Sunlight Federal Credit Union Worland, WY
Share Certificates 5 Year CD
2.53%
$0
APY 2.53%
Min Deposit $0
Updated February 9, 2026
Details Early Withdrawal Penalty: 180 Days Interest
Cheyenne Laramie County Employees FCU Cheyenne, WY
60 Month CD
2.50%
$500
APY 2.50%
Min Deposit $500
Updated February 9, 2026
Details Minimum Deposit
Security State Bank Basin, WY Worland, WY
CD 60 Month CD
2.43%
$1,000
APY 2.43%
Min Deposit $1,000
Updated February 9, 2026
Details Min to Earn Interest
ANB Bank Worland, WY
Certificates of Deposit 60 Month
2.07%
$1,000
APY 2.07%
Min Deposit $1,000
Updated February 9, 2026
Details
First Education Federal Credit Union Cheyenne, WY
60 Month CD
1.10%
$0
APY 1.10%
Min Deposit $0
Updated February 9, 2026
Details Minimum Balance
FirsTier Bank Upton, WY
General Rates - Step-Up 60 Month CD
0.70%
$0
APY 0.70%
Min Deposit $0
Updated February 9, 2026
Details
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. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Shell, Wyoming Jumbo CD Rates

Jumbo CD rates in Shell, Wyoming are usually higher than standard Shell, WY CD rates because they require a larger opening deposit.While regular CDs can often be opened with minimal funds, Shell, Wyoming jumbo certificates of deposit typically require a minimum opening balance of $100,000. Banks and credit unions in Shell, Wyoming and the surrounding area reward this larger commitment with premium cd rates that can significantly outperform standard savings or money market accounts. When opening these larger accounts, it is important to verify that your funds remain within FDIC or NCUA limits to ensure your principal is fully insured

Shell, Wyoming Credit Union CD Rates

When comparing Shell, WY CD rates from credit unions make sure to choose a Shell, WY credit union that has deposits insured by the National Credit Union Administration (NCUA).This federal protection covers both your principal investment and any interest you have earned up to the limit, ensuring your savings remain safe even in the unlikely event of a credit union failure.

Methodology & Data Sources

Local Rate Aggregation: MonitorBankRates tracks CD rates for Shell, Wyoming by aggregating data from local banks, local credit unions, and national online institutions. Our proprietary technology scans constantly to ensure you see the most competitive yields available in your area, including promotional offers from community institutions that may not be listed on national comparison sites.

Data Accuracy: The rates displayed for Shell, Wyoming reflect current market offers. We prioritize data from institutions that are FDIC or NCUA insured to ensure your deposits are safe, and we verify these figures against the institution's published deposit terms to maintain high reliability for savers in WY.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions in Shell, Wyoming. It is always advisable to check with the specific financial institution's official website for the most current offers and terms.

Banks in Shell, WY

Shell FDIC Insured Banks

There are no FDIC insured banks in Shell
How to Find the Best CD in Shell, Wyoming
  1. Compare APYThe APY determines how much interest you will earn. Always look for the highest APY to maximize your earnings over the CD term.
  2. Check MinimumsSome high-yield CDs require a larger initial deposit (e.g. $1,000 or $5,000). Ensure you can meet these minimums.
  3. Review PenaltiesCDs lock your money for a set term. If you withdraw early, you may face penalties (often 3-6 months of interest).
  4. Verify InsuranceEnsure your money is safe. Banks should be FDIC insured, and Credit Unions should be NCUA insured up to $250,000.
Frequently Asked Questions for Shell, Wyoming
What are the current CD rates in Shell, Wyoming?
Below is a list of the top current CD rates available for Shell, Wyoming:
FSB of Wyoming3.80% APY (6-Month CD)
FNB of Wyoming3.55% APY (12-Month CD)
FNB of Wyoming3.53% APY (6-Month CD)
FNB of Wyoming3.29% APY (18-Month CD)
FNB of Wyoming3.14% APY (60-Month CD)
FNB of Wyoming3.14% APY (48-Month CD)
FNB of Wyoming3.14% APY (36-Month CD)
FNB of Wyoming3.14% APY (30-Month CD)
FNB of Wyoming3.14% APY (24-Month CD)
Wyoming Community Bank2.85% APY (12-Month CD)
Last Updated: February 9, 2026
CD rates shown are recent from the last updated date. Current CD rates may vary.
Are CD rates fixed?
Yes, typically CD rates are fixed for the entire term (e.g. 1 year, 5 years). This protects you if market rates drop, but means you won't benefit if rates rise.
Is my money safe in a CD?
Yes, as long as the bank is FDIC insured or the credit union is NCUA insured, your deposit is protected up to $250,000.
Can I add money to a CD?
Usually, no. Standard CDs require a one-time deposit at opening. To add more funds later, you would typically need to open a new CD.