Certificates of Deposit Fixed CD Rates, Predictable Returns
Lock in a rate for a term that fits your savings goals, and earn more than a standard savings account with no market risk in Rock Springs, Wyoming.
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Safe, Smart, and Steady Savings
Deposit a fixed amount for a set term and earn a guaranteed rate, with no market risk and no surprises at maturity.
FDIC Insured
Your money is insured up to the maximum limit allowed by law.
Higher Interest Rates
Enjoy better returns compared to regular savings accounts.
Guaranteed Returns
Know exactly how much you will earn by the end of the term.*
Variety of Terms*
Choose a time frame that helps you meet your financial goals.
Special Offer Want Higher Returns?
Ask how you can be one of our “Core Customers” and earn an even higher interest rate on your CD.
Contact Us
Special Offer Want Higher Returns?
Ask how you can be one of our “Core Customers” and earn an even higher interest rate on your CD.
Contact UsFrequently Asked Questions
The main difference is flexibility versus return. A savings account lets you deposit and withdraw money at any time, but the interest rate can change. A CD locks your money in for a fixed term and pays a fixed rate, typically higher than a regular savings account. CDs are best for money you will not need until the term ends.
Commerce Bank of Wyoming offers a variety of CD terms to fit different savings timelines. Whether you are saving for something in the near term or want to lock in a rate for longer, our Rock Springs bankers can help you find a term and rate that fits your goals. Contact us directly for current options.
A CD is a good fit when you have money you will not need for a defined period and want to earn a higher, predictable return. Common use cases include saving for a known future expense, setting aside an emergency reserve you want to grow steadily, or parking funds between larger financial decisions. If you need regular access to the money, a savings or money market account may be a better fit.
Withdrawing funds before the maturity date typically results in an early withdrawal penalty. The penalty amount depends on the term length of the CD. We recommend only depositing funds you are confident you will not need until the term ends. A banker can explain the specific penalty terms before you open a CD.
When your CD reaches its maturity date, you have a window of time to decide what to do with the funds, withdraw them, move them to another account, or roll them into a new CD. We will notify you before maturity so you have time to make that decision. If no action is taken, the CD may automatically renew at the current rate for the same term.
You can open a CD by visiting our branch in Rock Springs or contacting us by phone. A local banker will walk you through current term options, rates, and minimum deposit requirements so you can choose the option that fits your situation.
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*Term is the length of time your money stays in a Certificate of Deposit. Contact a Personal Banker for more details on the current rates and terms available.
