Credit union · NCUA insured
Credit Union of the Rockies CD Rates
Credit Union of the Rockies’s best CD rate is 3.60% APY on a 4-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Credit Union of the Rockies’s CD rates compare
Compared with banks and credit unions near Denver, CO, where Credit Union of the Rockies has the most branches. $10,000, best rate first.
This credit union’s best
Credit Union of the Rockies
3.60%APY
- Term
- 12 months
- Minimum
- $250
- Earns on $10,000
- $360
First Tracks Certificate of Deposit
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
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Baby-Jumbo Certificate Accounts
Up to 3.60%APY · 5 terms
Minimum deposit $50,000. Penalties for early withdrawal may apply and may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty is 90 days of interest | 3.40% | — |
| 12 monthsEarly withdrawal penalty is 180 days of interest | 3.50% | — |
| 24 monthsEarly withdrawal penalty is 180 days of interest | 3.50% | — |
| 48 monthsEarly withdrawal penalty is 180 days of interest | 3.60% | — |
| 60 monthsEarly withdrawal penalty is 180 days of interest | 3.60% | — |
Sources (2)
All captured Sep 17, 2026
First Tracks Certificate of Deposit
3.60%APY · 1 term
Eligible members include new members or existing members who have not previously opened a certificate of deposit with Credit Union of the Rockies. After 12-month term, auto-renews at the traditional 12-month CD rate offered at that time. Always offers the highest rate available at the time it is opened. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAvailable to new or existing members who have not opened a CD with Credit Union of the Rockies before. Auto-renews at the traditional 12-month CD rate at maturity | 3.60% | $360 |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Certificates of Deposit
Up to 3.60%APY · 8 terms
Early withdrawal penalty may apply and may reduce earnings. Traditional and Roth IRA options available.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly withdrawal penalty is 90 days of interest | 3.40% | $84 |
| 6 monthsEarly withdrawal penalty is 90 days of interest | 3.40% | $169 |
| 12 monthsEarly withdrawal penalty is 180 days of interest | 3.50% | $350 |
| 18 monthsEarly withdrawal penalty is 180 days of interest | 3.50% | $530 |
| 24 monthsEarly withdrawal penalty is 180 days of interest | 3.50% | $712 |
| 36 monthsEarly withdrawal penalty is 180 days of interest | 3.60% | $1,119 |
| 48 monthsEarly withdrawal penalty is 180 days of interest | 3.60% | $1,520 |
| 60 monthsEarly withdrawal penalty is 180 days of interest | 3.60% | $1,934 |
Sources (2)
All captured Sep 17, 2026
Early Saver Certificate of Deposit
3.60%APY · 1 term
Available to youth members ages 0-24 years old. After 12-month term, auto-renews at the traditional 12-month rate offered at that time. Always offers the highest rate available at the time it is opened. Penalty for early withdrawal may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsCrafted for youth members ages 0-24. Auto-renews at the traditional 12-month CD rate at maturity | 3.60% | $360 |
Sources (2)
All captured Sep 17, 2026
IRA Certificates
Up to 3.60%APY · 8 terms
Available as Traditional and Roth IRAs. Penalties for early withdrawal may apply and may reduce earnings. Early withdrawal penalty exceptions apply when maintained in an IRA Plan and member reaches 59 1/2, is disabled, or withdrawal is part of RMD.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly withdrawal penalty is 90 days of interest | 3.40% | $84 |
| 6 monthsEarly withdrawal penalty is 90 days of interest | 3.40% | $169 |
| 12 monthsEarly withdrawal penalty is 180 days of interest | 3.50% | $350 |
| 18 monthsEarly withdrawal penalty is 180 days of interest | 3.50% | $530 |
| 24 monthsEarly withdrawal penalty is 180 days of interest | 3.50% | $712 |
| 36 monthsEarly withdrawal penalty is 180 days of interest | 3.60% | $1,119 |
| 48 monthsEarly withdrawal penalty is 180 days of interest | 3.60% | $1,520 |
| 60 monthsEarly withdrawal penalty is 180 days of interest | 3.60% | $1,934 |
Sources (3)
- cu-rockies.org/Rates/Savings-Rates.aspx
- cu-rockies.org/Savings/IRAs.aspx
- cu-rockies.org/Savings/Certificates.aspx
All captured Sep 17, 2026
Who can join Credit Union of the Rockies
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