Bank · FDIC insured
Big Horn Federal Savings Savings Rates
Big Horn Federal Savings’s best savings rate is 1.26% APY on $10,000, with its RAM Money Market. Rates checked October 22, 2026.
How Big Horn Federal Savings’s savings rates compare
Compared with banks and credit unions near Cody, WY, where Big Horn Federal Savings has the most branches. $10,000, best rate first.
This bank’s best
Big Horn Federal Savings
1.26%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $126
RAM Money Market
Top rate
Sunlight Federal Credit Union
2.53%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $253
2nd-highest rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
Big Horn Federal Savings savings score
87
Savings score
Higher than 79% of U.S. banks and credit unions
- $1,000 balance$1,0000.96%
- $10,000 balance$10,0001.26%
- $100,000 balance$100,0001.51%
- QualifiedQualified1.26%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Big Horn Federal Savings ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
RAM Money Market
1.26%APY
| Balance | APY | Minimum | Earns on $10,000 a yearEarns |
|---|---|---|---|
| Up to $25,000$10,000 to open | 1.26% | $10,000 | $126 |
| $25,001 – $40,000$25,001 to open | 1.41% | $25,001 | — |
| $40,001 – $100,000$40,001 to open | 1.51% | $40,001 | — |
| $100,000 and up$100,001 to open | 1.71% | $100,001 | — |
Sources (1)
- bighornfederal.com/SavingsCheckingCD · captured Oct 3, 2026
RAMSave Passbook
0.96%APY
Allowed 5 withdrawals per month without a fee; $3.00 fee per subsequent withdrawal. Compounded daily, credited quarterly. Can be linked for overdraft protection.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance to earn interest.Any balance | 0.96% | $96 | No minimum balance to earn interest. |
Checkless RAMSave
0.75%APY
Requires e-statements. Free VISA debit card and online & mobile banking.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 and upInterest earned on balances over $2,000.$2,000 and up | 0.75% | $75 | Interest earned on balances over $2,000. |
Special-purpose accounts
IRA Passbook
3.56%APY
Retirement savings passbook account. Available for Traditional and Roth IRA structures subject to IRS rules.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplies to entire balance.Any balance | 3.56% | $356 | Applies to entire balance. |
RAMSave Crayons to College Passbook
2.38%APY
Youth savings account. Allowed 3 withdrawals per month without fee; $3.00 per subsequent withdrawal. Compounded daily, credited quarterly. Account must be converted to an adult account at age 19. Opportunity to enter drawing to win $500 at age 18 if held for 8+ years.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplies to entire balance.Any balance | 2.38% | $238 | Applies to entire balance. |
Christmas Club RAMSave
2.25%APY
Earns higher yield if scheduled deposits are made monthly and no funds are withdrawn. Interest credited and check disbursed in November.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceOpening requirement stated as 12 payments of $10, or minimum $10 to open for 24 bi-monthly payments / $25 for 12 monthly payments.Any balance | 2.25% | $225 | Opening requirement stated as 12 payments of $10, or minimum $10 to open for 24 bi-monthly payments / $25 for 12 monthly payments. |
Health RAMSave
Up to 1.21%APY
Health Savings Account with tax-free distributions for qualified medical expenses subject to IRS rules. Unlimited withdrawals and HSA VISA debit card included.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Up to $2,000Tier applies to end of day balances $0.00 - $2,000. · $25 to open | 0.80% | $25 | — | Tier applies to end of day balances $0.00 - $2,000. |
| $2,000 – $10,000Tier applies to end of day balances $2,000 - $10,000. · $2,001 to open | 1.01% | $2,001 | $101 | Tier applies to end of day balances $2,000 - $10,000. |
| $10,000 and upTier applies to end of day balances $10,000+. · $10,001 to open | 1.21% | $10,001 | $121 | Tier applies to end of day balances $10,000+. |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.