Credit union · NCUA insured
Credit Union of Colorado Savings Rates
Credit Union of Colorado’s best savings rate is 1.00% APY on $10,000, with its Money Market Plus. Rates checked October 22, 2026.
How Credit Union of Colorado’s savings 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
3.30%APY
- Requires
- Another account
- Earns on $10,000 a year
- $330
Everyday Account w/High-Yield Savings
Top rate
Westerra Credit Union
6.00%APY
- Requires
- Another account
- Earns on $10,000 a year
- $600
2nd-highest rate
Solera
4.34%APY
- Requires
- None
- Earns on $10,000 a year
- $434
Credit Union of Colorado savings score
88
Savings score
Higher than 85% of U.S. banks and credit unions
- $1,000 balance$1,0000.75%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0002.75%
- QualifiedQualified3.30%
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 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.
Everyday Account w/High-Yield Savings
3.30%APY
Must be enrolled in digital banking and maintain an Everyday Account or Everyday Account w/ Interest in good standing receiving a monthly external digital deposit totaling at least $500. Limit 1 per primary membership. Consumer accounts only (business, youth, and trust accounts not eligible). Account allows no more than 3 withdrawals per calendar month. $10 monthly fee applies if opened greater than 60 days and fails to meet requirements ($500 daily minimum balance, $500 monthly external deposit, or eStatements enrollment). Account subject to closure if not funded within 60 days.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $25,000Rate applies to savings account only on days when balance is between $500 and $25,000. Amounts over $25,000 do not earn interest. Requires maintaining a minimum daily balance of $500, receiving monthly external electronic deposit of at least $500 into Everyday Checking Account, and enrollment in eStatements to avoid $10 monthly fee. Dividends credited monthly.$500 – $25,000 | 3.30% | $330 | Rate applies to savings account only on days when balance is between $500 and $25,000. Amounts over $25,000 do not earn interest. Requires maintaining a minimum daily balance of $500, receiving monthly external electronic deposit of at least $500 into Everyday Checking Account, and enrollment in eStatements to avoid $10 monthly fee. Dividends credited monthly. |
Sources (6)
- cuofco.org
- cuofco.org/deposit-rates
- cuofco.org/truth-savings
- cuofco.org/everyday-accounts
- cuofco.org/high-yield-savings
- cuofco.org/savings
All captured Oct 4, 2026
Money Market Plus
1.00%APY
Dividends are compounded and credited monthly. A $10.00 fee is charged and no interest/dividends accrue for any day the balance falls below $1,000. Account is limited to 3 debit transactions per calendar month (excess debit transactions incur a $15 fee each; exceeding 3 debit transactions per month three times within a year may result in account closure).
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| $1,000 – $9,999Minimum balance to earn stated APY is $1,000. · $1,000 to open | 0.75% | $1,000 | — | Minimum balance to earn stated APY is $1,000. |
| $10,000 – $24,999Minimum balance to earn stated APY is $10,000. · $10,000 to open | 1.00% | $10,000 | $100 | Minimum balance to earn stated APY is $10,000. |
| $25,000 – $49,999Minimum balance to earn stated APY is $25,000. · $25,000 to open | 1.25% | $25,000 | — | Minimum balance to earn stated APY is $25,000. |
| $50,000 – $99,999Minimum balance to earn stated APY is $50,000. · $50,000 to open | 1.75% | $50,000 | — | Minimum balance to earn stated APY is $50,000. |
| $100,000 – $249,999Minimum balance to earn stated APY is $100,000. · $100,000 to open | 2.75% | $100,000 | — | Minimum balance to earn stated APY is $100,000. |
| $250,000 and upMinimum balance to earn stated APY is $250,000. · $250,000 to open | 2.75% | $250,000 | — | Minimum balance to earn stated APY is $250,000. |
Sources (4)
- cuofco.org/deposit-rates
- cuofco.org/truth-savings
- cuofco.org/money-market-accounts
- cuofco.org/money-market-agreement
All captured Oct 4, 2026
Savings
0.25%APY
Primary savings account for Credit Union of Colorado membership. No monthly fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends credited quarterly. If account is closed before accrued dividends are credited, accrued dividends will not be paid.Any balance | 0.25% | $25 | Dividends credited quarterly. If account is closed before accrued dividends are credited, accrued dividends will not be paid. |
Sources (4)
All captured Oct 4, 2026
Special-purpose accounts
Health Savings Account
0.40%APY
Tax-deductible contributions and tax-free distributions for qualified medical expenses. No maintenance fees. Account transfer and withdrawal limitations apply.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,499Tier 1 balance $0 - $2,499. Dividends compounded and credited monthly. | 0.25% | — | Tier 1 balance $0 - $2,499. Dividends compounded and credited monthly. |
| $2,500 – $4,999Tier 2 balance $2,500 - $4,999. Minimum balance to earn stated APY is $2,500. Dividends compounded and credited monthly. | 0.30% | — | Tier 2 balance $2,500 - $4,999. Minimum balance to earn stated APY is $2,500. Dividends compounded and credited monthly. |
| $5,000 – $9,999Tier 3 balance $5,000 - $9,999. Minimum balance to earn stated APY is $5,000. Dividends compounded and credited monthly. | 0.35% | — | Tier 3 balance $5,000 - $9,999. Minimum balance to earn stated APY is $5,000. Dividends compounded and credited monthly. |
| $10,000 and upTier 4 balance $10,000+. Minimum balance to earn stated APY is $10,000. Dividends compounded and credited monthly. | 0.40% | $40 | Tier 4 balance $10,000+. Minimum balance to earn stated APY is $10,000. Dividends compounded and credited monthly. |
Sources (4)
- cuofco.org/deposit-rates
- cuofco.org/truth-savings
- cuofco.org/open-your-health-savings-account
- cuofco.org/savings
All captured Oct 4, 2026
IRA
0.35%APY
Available as Traditional, Roth, or SEP IRA. No monthly account fee and no minimum balance fee. Account transfer limitations apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are compounded and credited quarterly. Accrued dividends not paid if account is closed before dividends are credited.Any balance | 0.35% | $35 | Dividends are compounded and credited quarterly. Accrued dividends not paid if account is closed before dividends are credited. |
Sources (5)
- cuofco.org/bank
- cuofco.org/iras
- cuofco.org/deposit-rates
- cuofco.org/truth-savings
- cuofco.org/open-your-ira
All captured Oct 4, 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.