Credit union · NCUA insured
WyHy Federal Credit Union CD Rates
WyHy Federal Credit Union’s best CD rate is 3.75% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 3, 2026.
How WyHy Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Rock Springs, WY, where WyHy Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
WyHy Federal Credit Union
3.70%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $370
Term Certificates
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
Trona Valley Federal Credit Union
3.75%APY
- Term
- 3 months
- Requires
- None
- Minimum
- $200
- Earns on $10,000
- $92
WyHy Federal Credit Union CD score
79
CD score
Higher than 49% of U.S. banks and credit unions
- 3–8 months3–8 mo3.65%
- 9–15 months9–15 mo3.70%
- 16–30 months16–30 mo3.35%
- 31–60 months31–60 mo3.45%
- QualifiedQualified3.70%
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 WyHy Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Jumbo Term Certificates
Up to 3.75%APY · 6 terms
Fixed rate for term, quarterly paid interest/dividends.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.70% | — |
| 12 months | 3.75% | — |
| 18 months | 3.40% | — |
| 24 months | 3.35% | — |
| 36 months | 3.40% | — |
| 60 months | 3.50% | — |
Sources (1)
- wyhy.org/digital/resources/rates · captured Oct 3, 2026
Term Certificates
Up to 3.70%APY · 6 terms
Fixed rate for term, quarterly paid interest/dividends. Rates can increase by 0.025% APY using available balance from Smart Points accumulation (for terms of 24 months or longer).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.65% | $181 |
| 12 months | 3.70% | $370 |
| 18 months | 3.35% | $507 |
| 24 months | 3.30% | $671 |
| 36 months | 3.35% | $1,039 |
| 60 months | 3.45% | $1,848 |
Sources (2)
All captured Oct 3, 2026
30-Month "You're in Control!" Term Certificate
2.25%APY · 1 term
Rate increase (bump) feature may be used one time during the term to then-current 30-month rate plus 0.25%. One-time partial withdrawal allowed during term with penalty applied only to the withdrawn amount. Automatically renews to a 30-month term with bump and partial withdrawal features.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 30 months | 2.25% | $572 |
Sources (2)
All captured Oct 3, 2026
Special-purpose accounts
Jumbo IRA Term Certificates
Up to 3.75%APY · 6 terms
Fixed rate for term, quarterly paid interest/dividends. No monthly maintenance fees. Available in Traditional and Roth IRA wrappers.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.70% | — |
| 12 months | 3.75% | — |
| 18 months | 3.40% | — |
| 24 months | 3.35% | — |
| 36 months | 3.40% | — |
| 60 months | 3.50% | — |
Sources (2)
All captured Oct 3, 2026
IRA Term Certificates
Up to 3.70%APY · 6 terms
Fixed rate for term, quarterly paid interest/dividends. No monthly maintenance fees. Rates can increase by 0.025% APY using available balance from Smart Points accumulation (for terms of 24 months or longer). Available in Traditional and Roth IRA wrappers.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.65% | $181 |
| 12 months | 3.70% | $370 |
| 18 months | 3.35% | $507 |
| 24 months | 3.30% | $671 |
| 36 months | 3.35% | $1,039 |
| 60 months | 3.45% | $1,848 |
Sources (2)
All captured Oct 3, 2026
Smart Savers 15-Month Term Certificate
0.35%APY · 1 term
Designed for youth aged 0–17 (adults can open on behalf of youth). Additional deposits can be made during the term. WyHy matches opening deposit up to $50 for account holders aged 0–17. Funds may be withdrawn without penalty when balance reaches $500 to invest in any other certificate product.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 months | 0.35% | $44 |
Sources (2)
All captured Oct 3, 2026
Who can join WyHy Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in the State of Wyoming.
Cost to join
- New members can get started with a $10 deposit.
Membership information collected October 4, 2026.