Credit union · NCUA insured
Coloramo FCU CD Rates
Coloramo FCU’s best CD rate is 3.40% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Coloramo FCU’s CD rates compare
Compared with banks and credit unions near Grand Junction, CO, where Coloramo FCU has the most branches. $10,000, best rate first.
This credit union’s best
Coloramo FCU
3.40%APY
- Term
- 12 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $340
Share Certificate
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
Canvas Credit Union
4.25%APY
- Term
- 21 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $756
Coloramo FCU CD score
74
CD score
Higher than 37% of U.S. banks and credit unions
- 3–8 months3–8 mo2.40%
- 9–15 months9–15 mo3.40%
- 16–30 months16–30 mo3.40%
- 31–60 months31–60 mo3.40%
- QualifiedQualified3.40%
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 Coloramo FCU 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 3.40%APY · 6 terms
Dividends are compounded on a quarterly basis. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.40% | $119 |
| 12 months | 3.40% | $340 |
| 24 months | 3.40% | $692 |
| 36 months | 3.40% | $1,055 |
| 48 months | 3.00% | $1,255 |
| 60 months | 3.00% | $1,593 |
Sources (3)
All captured Oct 15, 2026
Special-purpose accounts
IRA Certificate
Up to 3.40%APY · 6 terms
Available for either type of IRA or Coverdell Education Savings Account. Dividends are compounded on a quarterly basis. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.40% | $119 |
| 12 months | 3.40% | $340 |
| 24 months | 3.40% | $692 |
| 36 months | 3.40% | $1,055 |
| 48 months | 3.00% | $1,255 |
| 60 months | 3.00% | $1,593 |
Who can join Coloramo FCU
This may be incomplete or out of date, so check with the credit union before you apply.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 in Mesa, Delta, Montrose, Gunnison, Ouray, Garfield, Rio Blanco, or Moffat County are eligible to join.
Employers and groups
- Individuals who work in Mesa, Delta, Montrose, Gunnison, Ouray, Garfield, Rio Blanco, or Moffat County are eligible to join.
Military, government and schools
- Individuals who attend school in Mesa, Delta, Montrose, Gunnison, Ouray, Garfield, Rio Blanco, or Moffat County are eligible to join.
Family and household
- Individuals who have immediate family in Mesa, Delta, Montrose, Gunnison, Ouray, Garfield, Rio Blanco, or Moffat County are eligible to join.
Cost to join
- Membership requires a one-time $1 contribution to a savings account representing ownership in the Credit Union.
Membership information collected October 4, 2026.