Bank · FDIC insured
Cowboy State Bank CD Rates
Cowboy State Bank’s best CD rate is 3.29% APY on a 6-month CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Cowboy State Bank’s CD rates compare
Compared with banks and credit unions near Sheridan, WY, where Cowboy State Bank has the most branches. $10,000, best rate first.
This bank’s best
Cowboy State Bank
3.29%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $163
Certificate of Deposit
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
The Banks of Buffalo Gillette Sheridan
4.19%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $856
Cowboy State Bank CD score
66
CD score
Higher than 15% of U.S. banks and credit unions
- 3–8 months3–8 mo3.29%
- 9–15 months9–15 mo3.03%
- 16–30 months16–30 mo2.00%
- 31–60 months31–60 mo0.45%
- QualifiedQualified3.29%
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 Cowboy State Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 3.29%APY · 8 terms
Minimum deposit $500 applies to 6-month and 12-month terms. Rates valid for balances of $0 - $25,000. Penalty imposed for early withdrawal. Not a promotion; new money not required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months90-day term | 0.01% | $0 |
| 6 months6-month term | 3.29% | $163 |
| 12 months12-month term | 3.03% | $303 |
| 18 months18-month term | 2.00% | $301 |
| 24 months24-month term | 0.01% | $2 |
| 36 months36-month term | 0.25% | $75 |
| 48 months48-month term | 0.35% | $141 |
| 60 months60-month term | 0.45% | $227 |
Sources (1)
- cowboystatebank.com/cds-and-iras · captured Sep 16, 2026
Special-purpose accounts
IRA: 12-month CD w/variable tiered rate
0.42%APY · 1 term
Penalty will be imposed for early withdrawal. Fees may reduce account earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsVariable tiered rate | 0.42% | $42 |
Sources (1)
- cowboystatebank.com/cds-and-iras · captured Sep 16, 2026
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.