Credit union · NCUA insured
Fitzsimons Credit Union CD Rates
Fitzsimons Credit Union’s best CD rate is 4.25% APY on a 15-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Fitzsimons Credit Union’s CD rates compare
Compared with banks and credit unions near Denver, CO, where Fitzsimons Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Fitzsimons Credit Union
4.25%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $534
Share Certificate
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
Fitzsimons Credit Union CD score
84
CD score
Higher than 65% of U.S. banks and credit unions
- 3–8 months3–8 mo3.35%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo3.20%
- 31–60 months31–60 mo3.25%
- QualifiedQualified4.25%
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 Fitzsimons Credit Union 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.
15-Month Share Certificate
4.25%APY · 1 term
Limited-time offer. Requires new money to the credit union (not on account in last 30 days). Available through December 31, 2025. Auto-renews into standard 6-month certificate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 monthsLimited-time offer | 4.25% | $534 |
Sources (1)
- fitzsimonscu.com/accounts/savings/certificates · captured Oct 22, 2026
Share Certificate
Up to 4.25%APY · 11 terms
Membership eligibility required. $5 membership share savings account and one-time $5 fee. Minimum deposit $500. Monthly compounded dividends. Early withdrawal penalties apply (90 days dividends for terms 6 months or less; 180 days dividends for terms 12 months or longer).
| Term | APY · Up to $100,000 | APY · Any balance | APY · $500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | — | — | 2.35% | 2.35% | $58 |
| 6 months | — | — | 3.35% | 3.35% | $166 |
| 7 monthsPromotional special rate. Requires new money to the credit union (not on account in last 30 days). Available through June 30th, 2026. Auto-renews into standard 6-month certificate | 4.00% | — | — | 4.00% | $231 |
| 12 months | — | — | 3.40% | 3.40% | $340 |
| 15 monthsLimited-time offer | — | 4.25% | — | 4.25% | $534 |
| 18 months | — | — | 3.20% | 3.20% | $484 |
| 24 months | — | — | 3.20% | 3.20% | $650 |
| 30 months | — | — | 3.05% | 3.05% | $780 |
| 36 months | — | — | 3.25% | 3.25% | $1,007 |
| 48 months | — | — | 3.10% | 3.10% | $1,299 |
| 60 months | — | — | 3.25% | 3.25% | $1,734 |
Special-purpose accounts
Education IRA Certificate
Up to 3.40%APY · 4 terms
Education IRA/ESA tax rules apply. Minimum deposit $500. Allows ongoing contributions as low as $25 for 6 and 12-month terms. IRA/ESA below minimum fee is $10/month.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.35% | $166 |
| 12 months | 3.40% | $340 |
| 30 months | 3.25% | $832 |
| 60 months | 3.05% | $1,621 |
Sources (3)
- fitzsimonscu.com/accounts/savi…ertificates-in-aurora-co
- fitzsimonscu.com/rates
- fitzsimonscu.com/wp-content/up…_Schedule_FINAL-2026.pdf
All captured Oct 4, 2026
Roth IRA Certificate
Up to 3.40%APY · 4 terms
IRA tax rules apply. Minimum deposit $500. Allows ongoing contributions as low as $25 for 6 and 12-month terms. IRA below minimum fee is $10/month.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.35% | $166 |
| 12 months | 3.40% | $340 |
| 30 months | 3.05% | $780 |
| 60 months | 3.25% | $1,734 |
Sources (3)
- fitzsimonscu.com/accounts/savi…ertificates-in-aurora-co
- fitzsimonscu.com/rates
- fitzsimonscu.com/wp-content/up…_Schedule_FINAL-2026.pdf
All captured Oct 4, 2026
Traditional IRA Certificate
Up to 3.40%APY · 4 terms
IRA tax rules apply. Minimum deposit $500. Allows ongoing contributions as low as $25 for 6 and 12-month terms. IRA below minimum fee is $10/month.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.35% | $166 |
| 12 months | 3.40% | $340 |
| 30 months | 3.05% | $780 |
| 60 months | 3.25% | $1,734 |
Sources (3)
- fitzsimonscu.com/accounts/savi…ertificates-in-aurora-co
- fitzsimonscu.com/rates
- fitzsimonscu.com/wp-content/up…_Schedule_FINAL-2026.pdf
All captured Oct 4, 2026
Who can join Fitzsimons Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live, work, worship, or attend school in, and businesses and other legal entities located in Adams, Arapahoe, or Denver Counties, Colorado.
Family and household
- Eligibility includes employees of the credit union, members of their immediate families or household, spouses of persons who died within the field of membership, and organizations of such persons.
Cost to join
- A $5 opening savings deposit is required to open an account.
Membership information collected October 4, 2026.