Bank · FDIC insured
Cowboy State Bank Savings Rates
Cowboy State Bank’s best savings rate is 0.25% APY on $10,000, with its Cowboy Savings. Rates checked October 22, 2026.
How Cowboy State Bank’s savings 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
0.25%APY
- Requires
- None
- Minimum
- $200
- Earns on $10,000 a year
- $25
Cowboy Savings
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
Cowboy State Bank savings score
71
Savings score
Higher than 29% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.25%
- QualifiedQualified0.25%
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 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.
Investor Savings
0.25%APY
Monthly fee of $10.00 and APY drops to 0.00% if balance drops below $1,000.00 minimum balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upAPY is 0.00% and monthly fee of $10.00 applies if balance drops below $1,000.00 minimum balance.$1,000 and up | 0.25% | $25 | APY is 0.00% and monthly fee of $10.00 applies if balance drops below $1,000.00 minimum balance. |
Sources (3)
- cowboystatebank.com/personal-banking
- cowboystatebank.com/personal-banking/investor-savings
- cowboystatebank.com/personal-b…posit-account-comparison
All captured Sep 16, 2026
Special-purpose accounts
Christmas Club Savings
0.25%APY
Statement cut and club payout on October 31. If balance is greater than $200 at statement time and no withdrawals were made, customer receives a $10 bonus.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 and upStatement cut and club payout on October 31. If balance is greater than $200 at statement time and no withdrawals were made, customer receives a $10 bonus.$200 and up | 0.25% | $25 | Statement cut and club payout on October 31. If balance is greater than $200 at statement time and no withdrawals were made, customer receives a $10 bonus. |
Sources (2)
All captured Sep 16, 2026
Cowboy Savings
0.25%APY
Monthly fee of $2.00 applies if balance drops below $200.00 minimum balance; monthly fee waived for customers under 18 years of age.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 and upMonthly fee waived for customers under 18 years of age; $2.00 monthly maintenance fee applies if balance drops below $200.00 minimum balance.$200 and up | 0.25% | $25 | Monthly fee waived for customers under 18 years of age; $2.00 monthly maintenance fee applies if balance drops below $200.00 minimum balance. |
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.