Credit union · NCUA insured
Credit Union of Denver CD Rates
Credit Union of Denver’s best CD rate is 4.00% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Credit Union of Denver’s CD rates compare
Compared with banks and credit unions near Denver, CO, where Credit Union of Denver has the most branches. $10,000, best rate first.
This credit union’s best
Credit Union of Denver
4.00%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $400
Certificates - Traditional
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 Denver CD score
83
CD score
Higher than 64% of U.S. banks and credit unions
- 3–8 months3–8 mo3.80%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.35%
- 31–60 months31–60 mo3.50%
- QualifiedQualified4.00%
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 Denver 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.
Certificates - Traditional
Up to 4.00%APY · 7 terms
Compounds monthly. Early withdrawal penalties may apply on Certificates and fees may reduce earnings. The Interest APY is variable. Federally Insured by NCUA.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsCompounds monthly. Early withdrawal penalties may apply | 1.35% | — | 1.35% | $34 |
| 6 monthsCompounds monthly. Early withdrawal penalties may apply | — | 3.80% | 3.80% | $188 |
| 12 monthsCompounds monthly. Early withdrawal penalties may apply | — | 4.00% | 4.00% | $400 |
| 24 monthsCompounds monthly. Early withdrawal penalties may apply | — | 3.35% | 3.35% | $681 |
| 36 monthsCompounds monthly. Early withdrawal penalties may apply | — | 3.40% | 3.40% | $1,055 |
| 48 monthsCompounds monthly. Early withdrawal penalties may apply | — | 3.45% | 3.45% | $1,453 |
| 60 monthsCompounds monthly. Early withdrawal penalties may apply | — | 3.50% | 3.50% | $1,877 |
Sources (1)
- cudenver.com/Accounts/Savings/CDs-IRAs · captured Oct 4, 2026
Starter Certificates - Add On Options
Up to 3.00%APY · 2 terms
Compounds monthly. Early withdrawal penalties may apply on Certificates and fees may reduce earnings. The Interest APY is variable. Federally Insured by NCUA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsCompounds monthly. Early withdrawal penalties may apply | 2.40% | $240 |
| 24 monthsCompounds monthly. Early withdrawal penalties may apply | 3.00% | $609 |
Sources (1)
- cudenver.com/Accounts/Savings/CDs-IRAs · captured Oct 4, 2026
Special-purpose accounts
Individual Retirement Account (IRA) Certificates
Up to 4.00%APY · 6 terms
Tiers & Certificates compounds monthly. Early withdrawal penalties may apply on IRAs and reduce earnings. The Interest APY is variable. Federally Insured by NCUA. IRA accounts are separately insured up to $250,000 by NCUA. Coverdell ESA Savings Accounts are separately insured up to $250,000 by NCUA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsCompounds monthly. Early withdrawal penalties may apply | 3.80% | $188 |
| 12 monthsCompounds monthly. Early withdrawal penalties may apply | 4.00% | $400 |
| 24 monthsCompounds monthly. Early withdrawal penalties may apply | 3.35% | $681 |
| 36 monthsCompounds monthly. Early withdrawal penalties may apply | 3.40% | $1,055 |
| 48 monthsCompounds monthly. Early withdrawal penalties may apply | 3.45% | $1,453 |
| 60 monthsCompounds monthly. Early withdrawal penalties may apply | 3.50% | $1,877 |
Sources (1)
- cudenver.com/Accounts/Savings/CDs-IRAs · captured Oct 4, 2026
Who can join Credit Union of Denver
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