Please note: All branches will be closed Saturday, September 2, and Monday, September 4, in observance of Labor Day.

Earn 5.20% APY with our 6 Month CD

Open an account at a branch near you today.

$200 minimum to open and to earn the stated APY.


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Featured savings rate

No minimum deposit to open.

Zelle® is here!

Fast, safe and easy are now at your fingertips!

Bank with the people you know


We provide exceptional personal banking products and services along with unmatched customer service and experience.

Our business banking services are hassle-free, made for businesses of all sizes, and designed to help your business succeed.

Whether your business is centered around crops, livestock, or a mix of both – we’re here to help our local farmers and ranchers.


Looking for a way to keep large deposits safe? With ICS and CDARS, you can access millions in FDIC insurance—all through a single bank relationship with us, a bank you know and trust. No one has ever lost a penny of an FDIC-insured deposit.

Make the Switch to Your Local Community Bank

Moving your accounts to Wray State Bank, Windsor State Bank, and Brush State Bank has never been easier.

Your local community banks that are built on small town values & genuine personal service

We serve the Northeastern and Northern Colorado communities with branches in Wray, Windsor, and Brush. Let us show you how we can help your financial health. Visit one of our branches or contact us today.

Ready to get started? Let’s talk.

If you’re looking for a bank who knows your first name, then you’re in the right place. We have all your banking needs covered.

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6-Month CD Special – 5.20% APY*, $200.00 minimum to open

Available at Wray State Bank and its branches, Windsor State Bank and Brush State Bank!

*Disclosure: The Certificate of Deposit (CD) interest rates and annual percentage yield (APY) are effective as of 8/14/2023.  Interest will be compounded quarterly and will be credited to the account quarterly. The APY assumes interest will remain on deposit until maturity. Unlimited deposits allowed at the sole discretion of the bank. A penalty may be imposed for early withdrawal of funds. Fees may reduce earnings. Automatically renews at maturity. Speak to a banker for details, fees and terms.