Bank · FDIC insured
Wray State Bank CD Rates
Wray State Bank’s best CD rate is 5.20% APY on a 2-year CD. Terms run from 6 months to 3 years. Rates checked October 22, 2026.
How Wray State Bank’s CD rates compare
Compared with banks and credit unions near Greeley, CO, where Wray State Bank has the most branches. $10,000, best rate first.
This bank’s best
Wray State Bank
5.09%APY
- Term
- 24 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $1,044
Brush State Bank Personal Certificate of Deposit
2nd-highest rate
Academy Bank
4.40%APY
- Term
- 18 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $667
3rd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Wray State Bank CD score
93
CD score
Higher than 95% of U.S. banks and credit unions
- 3–8 months3–8 mo4.58%
- 9–15 months9–15 mo3.65%
- 16–30 months16–30 mo5.09%
- 31–60 months31–60 mo3.14%
- QualifiedQualified5.09%
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 Wray 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.
Brush State Bank Personal Certificate of Deposit
Up to 5.09%APY · 6 terms
Interest compounded quarterly and credited quarterly. APY assumes interest remains on deposit until maturity. Automatically renews at maturity. Early withdrawal penalty may apply. Deposits allowed at the sole discretion of the bank.
| Term | APY · $200 and up | APY · $1,000 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | 3.55% | — | 3.65% | 3.55%3.65% from $50k | $176 |
| 8 months8-Month CD Special. $1,000 minimum to open and obtain stated APY | — | 4.58% | — | 4.58% | $303 |
| 12 months | 3.55% | — | 3.65% | 3.55%3.65% from $50k | $355 |
| 18 months | 3.14% | — | 3.24% | 3.14%3.24% from $50k | $475 |
| 24 months | 5.09% | — | 5.20% | 5.09%5.20% from $50k | $1,044 |
| 36 months | 3.14% | — | 3.24% | 3.14%3.24% from $50k | $972 |
Sources (1)
- wraystatebank.com/brush-cd-rates · captured Oct 4, 2026
Wray State Bank Personal Certificate of Deposit
Up to 5.09%APY · 6 terms
Automatically renews at maturity. Early withdrawal penalty may apply. Speak to a banker for details, fees and terms.
| Term | APY · $200 and up | APY · $1,000 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | 3.55% | — | 3.65% | 3.55%3.65% from $50k | $176 |
| 8 months8-Month CD Special. $1,000 minimum to open and obtain stated APY | — | 4.58% | — | 4.58% | $303 |
| 12 months | 3.55% | — | 3.65% | 3.55%3.65% from $50k | $355 |
| 18 months | 3.14% | — | 3.24% | 3.14%3.24% from $50k | $475 |
| 24 months | 5.09% | — | 5.20% | 5.09%5.20% from $50k | $1,044 |
| 36 months | 3.14% | — | 3.24% | 3.14%3.24% from $50k | $972 |
Sources (1)
- wraystatebank.com/wray-cd-rates · captured Oct 4, 2026
Windsor State Bank Certificate of Deposit
Up to 4.49%APY · 5 terms
Automatically renews at maturity. Early withdrawal penalty may apply. Speak to a banker for details, fees and terms.
| Term | APY · $200 and up | APY · $1,000 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | 3.55% | — | 3.65% | 3.55%3.65% from $50k | $176 |
| 8 months8-Month CD Special. $1,000 minimum to open and obtain stated APY | — | 4.25% | — | 4.25% | $281 |
| 12 months | 3.65% | — | 3.70% | 3.65%3.70% from $50k | $365 |
| 18 months | 3.34% | — | 3.44% | 3.34%3.44% from $50k | $505 |
| 24 months | 4.49% | — | 4.60% | 4.49%4.60% from $50k | $918 |
Sources (1)
- wraystatebank.com/windsor-cd-rates · captured Sep 17, 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.