Credit union · NCUA insured
Colorado Credit Union Savings Rates
Top CarrotColorado Credit Union’s best savings rate is 1.45% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How Colorado Credit Union’s savings 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
1.45%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $145
Money Market
Top rate
Westerra Credit Union
6.00%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $600
2nd-highest rate
Solera
4.34%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $434
Colorado Credit Union savings score
87
Savings score
Higher than 78% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0001.45%
- $100,000 balance$100,0002.30%
- QualifiedQualified1.45%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market
1.45%APY
Minimum opening deposit of $2,500 is required. Dividends are computed monthly, calculated on daily account balance, and paid monthly. Transaction limitations apply. CCU membership required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $50,000 | 1.45% | $145 |
| $50,000 – $100,000 | 1.75% | — |
| $100,000 – $250,000 | 2.30% | — |
| $250,000 and up | 2.65% | — |
Sources (3)
All captured Oct 4, 2026
Regular Shares
0.10%APY
Minimum balance $5.00. Also known as Savings Account or Main Share Account; establishes membership and share of the credit union.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum balance $5.00. Penalty may be imposed for early withdrawal, and fees may reduce earnings.$5 and up | 0.10% | $10 | Minimum balance $5.00. Penalty may be imposed for early withdrawal, and fees may reduce earnings. |
Special-purpose accounts
Health Savings Shares
0.10%APY
Health Savings Account (HSA) to save for future medical expenses with tax benefits.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balancePenalty may be imposed for early withdrawal, and fees may reduce earnings.Any balance | 0.10% | $10 | Penalty may be imposed for early withdrawal, and fees may reduce earnings. |
Holiday Savings Club
0.10%APY
Account includes auto payout of funds mid-October.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAuto payout of funds mid-October. Penalty may be imposed for early withdrawal, and fees may reduce earnings.Any balance | 0.10% | $10 | Auto payout of funds mid-October. Penalty may be imposed for early withdrawal, and fees may reduce earnings. |
IRA Shares
0.10%APY
Minimum balance $100.00. May be opened with as little as $100.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance $100.00. Penalty may be imposed for early withdrawal, and fees may reduce earnings.$100 and up | 0.10% | $10 | Minimum balance $100.00. Penalty may be imposed for early withdrawal, and fees may reduce earnings. |
Sources (3)
All captured Oct 15, 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.