Bank · FDIC insured
First Southwest Bank CD Rates
First Southwest Bank’s best CD rate is 3.75% APY on a 1-year CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How First Southwest Bank’s CD rates compare
Compared with banks and credit unions near Durango, CO, where First Southwest Bank has the most branches. $10,000, best rate first.
This bank’s best
First Southwest Bank
3.50%APY
- Term
- 3 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $86
Certificate of Deposit (CD)
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
Sunward Credit Union
4.11%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $839
First Southwest Bank CD score
76
CD score
Higher than 42% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.40%
- QualifiedQualified3.50%
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 First Southwest Bank 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 (CD)
Up to 3.50%APY · 9 terms
Fixed interest rates. Early withdrawal penalties may apply. Interest is compounded monthly and paid monthly.
| Term | APY · $1,000 – $250,000 | APY · $250,000 and up | APY · $250,000 – $1,000,000 | APY · $1,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 3 months | — | 3.60% | — | — | —3.60% from $250k | — |
| 3 monthsStandard tier | 3.50% | — | — | — | 3.50% | $86 |
| 6 months | — | 3.60% | — | — | —3.60% from $250k | — |
| 6 monthsStandard tier | 3.50% | — | — | — | 3.50% | $173 |
| 10 months | — | — | 1.60% | — | —1.60% $250k–$1,000k | — |
| 10 monthsStandard tier | 1.50% | — | — | — | 1.50% | $125 |
| 12 months | — | — | 3.60% | — | —3.60% $250k–$1,000k | — |
| 12 monthsStandard tier | 3.50% | — | — | — | 3.50% | $350 |
| 12 monthsSuper | — | — | — | 3.75% | —3.75% from $1,000k | — |
| 18 months | — | 3.60% | — | — | —3.60% from $250k | — |
| 18 monthsStandard tier | 3.50% | — | — | — | 3.50% | $530 |
| 24 months | — | — | 3.50% | — | —3.50% $250k–$1,000k | — |
| 24 monthsStandard tier | 3.40% | — | — | — | 3.40% | $692 |
| 24 monthsSuper | — | — | — | 3.65% | —3.65% from $1,000k | — |
| 36 months | — | 3.50% | — | — | —3.50% from $250k | — |
| 36 monthsStandard tier | 3.40% | — | — | — | 3.40% | $1,055 |
| 48 months | — | 3.50% | — | — | —3.50% from $250k | — |
| 48 monthsStandard tier | 3.40% | — | — | — | 3.40% | $1,431 |
| 60 months | — | 3.50% | — | — | —3.50% from $250k | — |
| 60 monthsStandard tier | 3.40% | — | — | — | 3.40% | $1,820 |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Individual Retirement Account (IRA) CD
Up to 3.60%APY · 5 terms
Offers Traditional and ROTH IRA accounts. No minimum balance requirement or monthly service charge. Fixed interest rates. Early withdrawal penalties may apply. IRA qualifications and guidelines apply. Interest is compounded monthly and paid monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.60% | $360 |
| 24 months | 3.50% | $712 |
| 36 months | 3.50% | $1,087 |
| 48 months | 3.50% | $1,475 |
| 60 months | 3.50% | $1,877 |
Sources (2)
All 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.