Compare Bank & Credit Union Rates
Best CD rates in Laramie, WY
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–14 results in Laramie, WY
- 4.40%APY$2,402 over 60 months on $10,000
Requirements
Product: Minimum deposit and minimum balance of $100. Early withdrawal penalty is imposed. Additional deposits cannot be made after the certificate is open. Automatically renews at maturity. Military affiliated members and primary account holders of eligible Youth Accounts are eligible for a 0.50% APY bump on new Share Certificates.
4.33% interest rate · Effective Oct 15, 2026
Rate checked
More details - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
Rate checked
More details - Blue Federal Credit UnionMarket Index Term ShareCD · 24 months · $1,000 min
Credit union · 2 branches
4.25%APY$868 over 24 months on $10,000Requirements
Product: Variable rate based on WSJ Prime minus 2.75% with a floor rate of 1.00%. 24-month term share certificate. Deposits range from $1,000 minimum to $5,000,000 maximum. Dividends compounded and credited monthly. Early withdrawal penalty equal to 730 days of dividends. Membership required.
Offer: Variable rate based on WSJ Prime minus 2.75% with a floor rate of 1.00%. Rates up to 4.25% APY. Dividends compounded and credited monthly. Penalty equal to 730 days of dividends if withdrawn before maturity. Membership required.
Balance cap $5,000,000
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More details - 4.11%APY$307 over 9 months on $10,000intro rate
Requirements
Product: Available for consumer accounts only. Membership required. Automatically renews at the rate offered upon renewal. Early withdrawal penalties apply. Standard term lengths range from 6 months to 60 months, but non-promotional terms require entering a ZIP code to view rates.
Offer: Limited time offer. Consumer accounts only. Membership required. Automatically renews at the rate offered upon renewal. Early withdrawal penalties apply.
Promotional rate · Effective Oct 3, 2026
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More details - 4.07%APY$201 over 6 months on $10,000
Requirements
Product: Dividends are compounded and credited on the last day of the month and at maturity. Option for dividend payment designation upon certificate opening. Early withdrawal penalty applies: 90 days of dividends for 3, 6 & 12 months; 180 days of dividends for 18, 24, 36, 48 & 60-month share certificates. Minimum $500 to maintain the account.
4.00% interest rate
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More details - 3.90%APY$2,108 over 60 months on $10,000
Requirements
Product: Minimum opening deposit is $1,000. Penalty may be imposed for early withdrawal. Maturities greater than one year pay interest at least annually.
Offer: 60 Month term. Penalty may be imposed for early withdrawal. Maturities greater than one year pay interest at least annually.
3.84% interest rate · Effective Oct 13, 2026
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More details - 3.55%APY$1,906 over 60 months on $10,000
Requirements
Product: Rollover incentives available for share certificates.
Offer: Rollover incentives available for share certificates.
3.50% interest rate
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More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
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More details - 3.00%APY$1,564 over 59 months on $10,000
Requirements
Product: Rates for ZIP code 60606. Early withdrawal penalties may apply. Account must be opened online, by phone, or at a financial center. For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding. CDs opened online cannot be for an IRA.
Effective Sep 17, 2026
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More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 1 branch
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% Rate checked
More details - 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · Effective Oct 6, 2026
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More details - 0.35%APY$82 over 28 months on $10,000blended over a stepped scheduleintro rate
Requirements
Offer: Step period 1 (months 1-7)
Promotional rate · 0.05% interest rate · Effective Oct 6, 2026
Rate schedule
Rate schedule for Step Up CD Period APY Step period 1 (months 1-7) 0.05% Step period 2 (months 8-14) 0.25% Step period 3 (months 15-21) 0.45% Step period 4 (months 22-28) 0.65% Rate checked
More details - 0.25%APY$126 over 60 months on $10,000
0.25% interest rate · Effective Oct 6, 2026
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More details - 0.01%APY
Requirements
Product: A penalty for early withdrawal may be charged. Minimum Opening Deposit equals the Minimum Balance to Earn APY.
Offer: Applicable for Certificates of Deposit only and do not apply to IRAs.
0.01% interest rate · Effective Sep 28, 2026
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More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What CDs pay in Laramie, WY
88 CDs at 9 banks and credit unions · checked Oct 6–22
- Typical
- 2.78%
- Top 10% from
- 4.10%
- Banks, typical
- 1.01%
- Credit unions, typical
- 3.82%
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Laramie, WY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- ACPE Federal Credit UnionCredit union · 1 branch