Climb Credit Union CD Rates

How Climb Credit Union’s CD rates compare

Compared with banks and credit unions near Denver, CO, where Climb Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Climb Credit Union
3.80%APY
Term
6 months
Minimum
$500
Earns on $10,000
$188
Share Certificate
Top rate
Northern New Mexico School Employees Federal Credit Union
5.12%APY
Term
24 months
Minimum
$500
Earns on $10,000
$1,050
Northern New Mexico School Employees Federal Credit Union rates
2nd-highest rate
Nicolet National Bank
4.75%APY
Term
60 months
Minimum
$2,500
Earns on $10,000
$2,612
Nicolet National Bank rates

Compare CD rates near you →

80

CD score

Higher than 51% of U.S. banks and credit unions

By term

3–8 months3–8 mo3.80%
9–15 months9–15 mo3.70%
16–30 months16–30 mo3.40%
31–60 months31–60 mo3.25%
QualifiedQualified3.80%

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.

How the score works →

Where Climb 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.

Share Certificate

Up to 3.80%APY · 7 termsFrom $500 to open

Membership eligibility required. Fixed rate. Automatic renewal with 10 day grace period. Early withdrawal penalty applies (90 days dividends). Additional deposits not allowed.

Earnings on $10,000 over the term.
Term	APY · $500 – $50,000	APY · $50,000 and up	APY	Earns on $10,000Earns
6 months	3.80%	3.90%	3.80%3.90% from $50k	$188
12 months	3.70%	3.80%	3.70%3.80% from $50k	$370
18 months	3.25%	3.35%	3.25%3.35% from $50k	$491
24 months	3.35%	3.45%	3.35%3.45% from $50k	$681
36 months	3.25%	3.35%	3.25%3.35% from $50k	$1,007
48 months	3.25%	3.35%	3.25%3.35% from $50k	$1,365
60 months	3.25%	3.35%	3.25%3.35% from $50k	$1,734

Sources (2)

All captured Sep 17, 2026

22 Month Share Certificate BUMP-UP

3.40%APY · 1 termFrom $2,500 to open

Membership eligibility required. Fixed rate. Additional deposits allowed (up to three deposits). You may request to make a one-time withdrawal of up to half of the amount in the CD, up to three deposits, and one rate change to the current rate being offered at that time during the account term with no penalty. The remaining balance in the account must be at least $2,500. Automatic renewal with 10 day grace period. Early withdrawal penalty is 90 days dividends.

Earnings on $10,000 over the term.
Term	APY · $2,500 – $50,000	APY · $50,000 and up	APY	Earns on $10,000Earns
22 months	3.40%	3.50%	3.40%3.50% from $50k	$632

Sources (1)

climbcu.org/docs/default-sourc…schedule-03-01-26-v2.pdf · captured Sep 17, 2026

Special-purpose accounts

IRA Certificate

Up to 3.80%APY · 7 termsIRAFrom $500 to open

Traditional and Roth IRA wrappers offered. No setup, monthly or annual fees. Membership eligibility required. Fixed rate. Automatic renewal with 10 day grace period. Early withdrawal penalty is 90 days dividends (exceptions apply if paid within 7 days after establishment, or owner attains age 59 1/2 or becomes disabled, or dies/incompetent). Additional deposits not allowed.

Earnings on $10,000 over the term.
Term	APY · $500 – $50,000	APY · $50,000 and up	APY	Earns on $10,000Earns
6 months	3.80%	3.90%	3.80%3.90% from $50k	$188
12 months	3.70%	3.80%	3.70%3.80% from $50k	$370
18 months	3.25%	3.35%	3.25%3.35% from $50k	$491
24 months	3.35%	3.45%	3.35%3.45% from $50k	$681
36 months	3.25%	3.35%	3.25%3.35% from $50k	$1,007
48 months	3.25%	3.35%	3.25%3.35% from $50k	$1,365
60 months	3.25%	3.35%	3.25%3.35% from $50k	$1,734

Sources (2)

All captured Sep 17, 2026

Who can join Climb Credit Union

We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.

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