Credit union · NCUA insured
Coloramo FCU Savings Rates
Coloramo FCU’s best savings rate is 1.25% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Coloramo FCU’s savings 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
1.25%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $125
Money Market Account
Top rate
Credit Union of Colorado
3.30%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $330
2nd-highest rate
Canvas Credit Union
3.00%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $300
Coloramo FCU savings score
86
Savings score
Higher than 74% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0001.25%
- $100,000 balance$100,0002.35%
- QualifiedQualified1.25%
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 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 Account
1.25%APY
Balances over $2,500.00 earn dividends. If balance falls below $2,500.00, no dividends are earned.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $25,000 | 1.25% | $125 |
| $25,000 – $50,000 | 1.25% | — |
| $50,000 – $100,000 | 1.50% | — |
| $100,000 and up | 2.35% | — |
Fresh Start Share
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (1)
- coloramo.org/rates · captured Oct 15, 2026
My Account
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (1)
- coloramo.org/rates · captured Oct 15, 2026
Prime Share Savings
0.05%APY
Quarterly dividends earned on an average daily balance of $100.00 or more. $1 needed to open represents lifetime ownership share in the credit union.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upEarns dividends on an average daily balance of $100.00 or more. Dividends compounded/credited quarterly.$100 and up | 0.05% | $5 | Earns dividends on an average daily balance of $100.00 or more. Dividends compounded/credited quarterly. |
Secondary Share
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (1)
- coloramo.org/rates · captured Oct 15, 2026
Special-purpose accounts
IRA Shares
0.05%APY
Available as Traditional or Roth IRA. Tax-advantaged retirement savings account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
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.