Credit union · NCUA insured
Colorado Credit Union CD Rates
Top CarrotColorado Credit Union’s best CD rate is 4.10% APY on a 4-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Colorado Credit Union’s CD rates compare
Compared with banks and credit unions near Denver, CO, where Colorado Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Colorado Credit Union
4.00%APY
- Term
- 48 months
- Minimum
- $500
- Earns on $10,000
- $1,699
Certificates of Deposit
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
Colorado Credit Union CD score
87
CD score
Higher than 79% of U.S. banks and credit unions
- 3–8 months3–8 mo3.90%
- 9–15 months9–15 mo3.90%
- 16–30 months16–30 mo3.85%
- 31–60 months31–60 mo4.00%
- QualifiedQualified4.00%
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 Colorado 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.
Certificates of Deposit
Up to 4.00%APY · 8 terms
Penalty may be imposed for early withdrawal, and fees may reduce earnings on the account. Membership required.
| Term | APY · $500 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsPenalty may be imposed for early withdrawal, and fees may reduce earnings on the account | 3.90% | 4.00% | 3.90%4.00% from $100k | $193 |
| 12 monthsPenalty may be imposed for early withdrawal, and fees may reduce earnings on the account | 3.90% | 4.00% | 3.90%4.00% from $100k | $390 |
| 18 monthsPenalty may be imposed for early withdrawal, and fees may reduce earnings on the account | 3.75% | 3.85% | 3.75%3.85% from $100k | $568 |
| 24 monthsPenalty may be imposed for early withdrawal, and fees may reduce earnings on the account | 3.85% | 3.95% | 3.85%3.95% from $100k | $785 |
| 30 monthsPenalty may be imposed for early withdrawal, and fees may reduce earnings on the account | 3.85% | 3.95% | 3.85%3.95% from $100k | $990 |
| 36 monthsPenalty may be imposed for early withdrawal, and fees may reduce earnings on the account | 3.90% | 4.00% | 3.90%4.00% from $100k | $1,216 |
| 48 monthsPenalty may be imposed for early withdrawal, and fees may reduce earnings on the account | 4.00% | 4.10% | 4.00%4.10% from $100k | $1,699 |
| 60 monthsPenalty may be imposed for early withdrawal, and fees may reduce earnings on the account | 4.00% | 4.10% | 4.00%4.10% from $100k | $2,167 |
Sources (3)
All captured Oct 4, 2026
Special-purpose accounts
IRA Certificates of Deposit
Up to 4.00%APY · 8 terms
Penalty may be imposed for early withdrawal, and fees may reduce earnings on the account. Membership required.
| Term | APY · $500 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsPenalty may be imposed for early withdrawal, and fees may reduce earnings on the account | 3.90% | 4.00% | 3.90%4.00% from $100k | $193 |
| 12 monthsPenalty may be imposed for early withdrawal, and fees may reduce earnings on the account | 3.90% | 4.00% | 3.90%4.00% from $100k | $390 |
| 18 monthsPenalty may be imposed for early withdrawal, and fees may reduce earnings on the account | 3.75% | 3.85% | 3.75%3.85% from $100k | $568 |
| 24 monthsPenalty may be imposed for early withdrawal, and fees may reduce earnings on the account | 3.85% | 3.95% | 3.85%3.95% from $100k | $785 |
| 30 monthsPenalty may be imposed for early withdrawal, and fees may reduce earnings on the account | 3.85% | 3.95% | 3.85%3.95% from $100k | $990 |
| 36 monthsPenalty may be imposed for early withdrawal, and fees may reduce earnings on the account | 3.90% | 4.00% | 3.90%4.00% from $100k | $1,216 |
| 48 monthsPenalty may be imposed for early withdrawal, and fees may reduce earnings on the account | 4.00% | 4.10% | 4.00%4.10% from $100k | $1,699 |
| 60 monthsPenalty may be imposed for early withdrawal, and fees may reduce earnings on the account | 4.00% | 4.10% | 4.00%4.10% from $100k | $2,167 |
Sources (4)
- ccu.org/resources/rates
- ccu.org/save/certificates-of-deposit
- ccu.org/save/individual-retirement-accounts
- ccu.org/assets/files/sAdsOK8E
All captured Oct 4, 2026
Who can join Colorado Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, attend school, or worship in Adams, Douglas, Jefferson, Arapahoe, Weld, Denver, Broomfield, or Boulder counties are eligible for membership.
Employers and groups
- Employees of a Colorado Credit Union select employer group are eligible for membership.
Family and household
- Family members of a Colorado Credit Union member are eligible to join.
Other ways
- Members of Consumers United Association are eligible to join.
Cost to join
- A minimum deposit of $5 to open a savings account (main share account) is required to establish membership.
Membership information collected October 4, 2026.