Bank · FDIC insured
Equitable Savings & Loan Association CD Rates
Equitable Savings & Loan Association’s best CD rate is 3.98% APY on a 10-year CD. Terms run from 3 months to 10 years. Rates checked October 22, 2026.
How Equitable Savings & Loan Association’s CD rates compare
Compared with banks and credit unions near Fort Morgan, CO, where Equitable Savings & Loan Association has the most branches. $10,000, best rate first.
This bank’s best
Equitable Savings & Loan Association
3.98%APY
- Term
- 120 months
- Minimum
- $500
- Earns on $10,000
- $4,774
Certificate of Deposit
Top rate
Wray State Bank
5.09%APY
- Term
- 24 months
- Minimum
- —
- Earns on $10,000
- $1,044
3rd-highest rate
Golden Belt Bank
3.75%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $375
Equitable Savings & Loan Association CD score
77
CD score
Higher than 44% of U.S. banks and credit unions
- 3–8 months3–8 mo3.15%
- 9–15 months9–15 mo3.25%
- 16–30 months16–30 mo3.35%
- 31–60 months31–60 mo3.67%
- QualifiedQualified3.67%
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 Equitable Savings & Loan Association ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 3.98%APY · 8 terms
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3–5 monthsPenalty: 3 MO early withdrawal penalty | — | 0.95% | 0.95% | $24 |
| 6–11 monthsPenalty: 3 MO early withdrawal penalty | — | 1.06% | 1.06% | $53 |
| 12–23 monthsPenalty: 6 MO early withdrawal penalty | 1.16% | — | 1.16% | $116 |
| 24–35 monthsPenalty: 9 MO early withdrawal penalty | 1.46% | — | 1.46% | $294 |
| 36–47 monthsPenalty: 12 MO early withdrawal penalty | 2.58% | — | 2.58% | $794 |
| 48–59 monthsPenalty: 3 MO+ early withdrawal penalty | 3.56% | — | 3.56% | $1,502 |
| 60–119 monthsPenalty: 3 MO+ early withdrawal penalty | 3.67% | — | 3.67% | $1,975 |
| 120 monthsPenalty: 3 MO+ early withdrawal penalty | 3.98% | — | 3.98% | $4,774 |
Sources (2)
All captured Sep 17, 2026
Super Saver
Up to 3.46%APY · 4 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 monthsPenalty: 3 MO early withdrawal penalty | 3.15% | $156 |
| 12–23 monthsPenalty: 6 MO early withdrawal penalty | 3.25% | $325 |
| 24–35 monthsPenalty: 9 MO early withdrawal penalty | 3.35% | $681 |
| 36–47 monthsPenalty: 12 MO early withdrawal penalty | 3.46% | $1,074 |
Sources (1)
- equitable-savings.com/rates · captured Sep 17, 2026
Special-purpose accounts
IRA Fixed
Up to 3.98%APY · 8 terms
| Term | APY · $100 and up | APY · $2,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsPenalty: 3 MO early withdrawal penalty | — | 3.15% | 3.15% | $156 |
| 12 monthsPenalty: 6 MO early withdrawal penalty | — | 3.25% | 3.25% | $325 |
| 18 monthsPenalty: 6 MO early withdrawal penalty | 3.25% | — | 3.25% | $491 |
| 24 monthsPenalty: 9 MO early withdrawal penalty | — | 3.35% | 3.35% | $681 |
| 36 monthsPenalty: 12 MO early withdrawal penalty | — | 3.46% | 3.46% | $1,074 |
| 48 monthsPenalty: 3 MO+ early withdrawal penalty | — | 3.56% | 3.56% | $1,502 |
| 60 monthsPenalty: 3 MO+ early withdrawal penalty | — | 3.67% | 3.67% | $1,975 |
| 120 monthsPenalty: 3 MO+ early withdrawal penalty | — | 3.98% | 3.98% | $4,774 |
Sources (2)
All captured Sep 17, 2026
IRA Variable
3.25%APY · 1 term
Variable rate – Annual Percentage Yield may change after account is opened.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsVariable rate – Annual Percentage Yield may change after account is opened; Penalty: 6 MO early withdrawal penalty | 3.25% | $491 |
Sources (2)
All captured Sep 17, 2026
Jumbo Certificate
Up to 3.20%APY · 3 terms
Public funds must call for rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.95% | — |
| 6 months | 3.10% | — |
| 12 months | 3.20% | — |
Sources (1)
- equitable-savings.com/rates · captured Sep 17, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.