Credit union · NCUA insured
Credit Union of Colorado CD Rates
Credit Union of Colorado’s best CD rate is 4.10% APY on a 15-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Credit Union of Colorado’s CD rates compare
Compared with banks and credit unions near Denver, CO, where Credit Union of Colorado has the most branches. $10,000, best rate first.
This credit union’s best
Credit Union of Colorado
4.10%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $515
Promotional Certificate of Deposit (CD)
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
Credit Union of Colorado CD score
82
CD score
Higher than 59% of U.S. banks and credit unions
- 3–8 months3–8 mo3.40%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo3.15%
- 31–60 months31–60 mo3.25%
- QualifiedQualified4.10%
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 Credit Union of Colorado 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.
Promotional Certificate of Deposit (CD)
4.10%APY · 1 term
This promotion may end at any time and applies to consumer accounts only. This promotion is only available for non-IRA CDs. Dividends compounded and credited quarterly. Early withdrawal penalty of 90 days dividends applies. 10-day grace period upon maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 monthsFixed term 15 Month. Promotional certificate available for non-IRA CDs only | 4.10% | $515 |
Sources (3)
All captured Oct 15, 2026
Traditional Certificate of Deposit (CD)
Up to 3.60%APY · 8 terms
Open with $500. Automatic renewal upon maturity with a 10-day grace period. Early withdrawal penalty applies. Dividends credited and compounded quarterly.
| Term | APY · $500 and up | APY · $10,000 and up | APY · $25,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 3 monthsFixed term 90 Day | 1.70% | 1.80% | 1.90% | 2.00% | 1.70%1.80% from $10k1.90% from $25k2.00% from $100k | $42 |
| 6 monthsFixed term 6 Month | 3.30% | 3.40% | 3.51% | 3.60% | 3.30%3.40% from $10k3.51% from $25k3.60% from $100k | $164 |
| 12 monthsFixed term 1 Year | 3.51% | 3.60% | 3.70% | 3.80% | 3.51%3.60% from $10k3.70% from $25k3.80% from $100k | $351 |
| 18 monthsFixed term 18 Month | 2.85% | 2.95% | 3.05% | 3.15% | 2.85%2.95% from $10k3.05% from $25k3.15% from $100k | $431 |
| 24 monthsFixed term 2 Year | 3.05% | 3.15% | 3.25% | 3.35% | 3.05%3.15% from $10k3.25% from $25k3.35% from $100k | $619 |
| 36 monthsFixed term 3 Year | 3.10% | 3.20% | 3.30% | 3.40% | 3.10%3.20% from $10k3.30% from $25k3.40% from $100k | $959 |
| 48 monthsFixed term 4 Year | 3.10% | 3.20% | 3.30% | 3.40% | 3.10%3.20% from $10k3.30% from $25k3.40% from $100k | $1,299 |
| 60 monthsFixed term 5 Year | 3.15% | 3.25% | 3.35% | 3.45% | 3.15%3.25% from $10k3.35% from $25k3.45% from $100k | $1,677 |
Sources (4)
- cuofco.org/deposit-rates
- cuofco.org/truth-savings
- cuofco.org/cd-disclosures
- cuofco.org/certificates-deposit-cds
All captured Oct 15, 2026
Add-on Certificate
Up to 3.30%APY · 2 terms
Additional deposits of $50.00 or greater are allowed on 90 day and 6 month Add-on Certificates only. Dividends credited and compounded quarterly. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsFixed term 90 Day Add-on Certificate | 1.70% | $42 |
| 6 monthsFixed term 6 Month Add-on Certificate | 3.30% | $164 |
Sources (3)
All captured Oct 15, 2026
Who can join Credit Union of Colorado
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Current or retired employees and board members of eligible Colorado colleges, universities, and special districts qualify for membership.
- Current or retired employees of Colorado city, town, or county governments are eligible for membership.
- Current or retired employees of Colorado School Districts are eligible for membership.
- Current or retired employees of the Colorado State Government are eligible for membership.
Family and household
- Family members of individuals belonging to eligible groups qualify for membership.
Other ways
- Anyone can qualify for membership by joining the Credit Union of Colorado Foundation with a minimum donation of $10.
Cost to join
- Membership requires an initial deposit of $5.
Membership information collected October 4, 2026.