Credit union · NCUA insured
Grand Junction Federal Credit Union CD Rates
Grand Junction Federal Credit Union’s best CD rate is 3.92% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Grand Junction Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Grand Junction, CO, where Grand Junction Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Grand Junction Federal Credit Union
3.92%APY
- Term
- 6 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $194
Special 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
Canvas Credit Union
4.25%APY
- Term
- 21 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $756
Grand Junction Federal Credit Union CD score
79
CD score
Higher than 48% of U.S. banks and credit unions
- 3–8 months3–8 mo3.92%
- 9–15 months9–15 mo3.82%
- 16–30 months16–30 mo0.50%
- 31–60 months31–60 mo0.75%
- QualifiedQualified3.92%
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 Grand Junction Federal 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.
Special CD
Up to 3.92%APY · 2 terms
Special CD rates for GJFCU members.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.92% | $194 |
| 12 months | 3.82% | $382 |
Sources (1)
- grandjunctionfcu.org/rates/deposit-rates · captured Oct 4, 2026
Share Certificates Regular
Up to 0.75%APY · 5 terms
APY applies only when dividends are added to principal. Dividends compound and credit quarterly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends compound and credit quarterly | 0.30% | $30 |
| 24 monthsDividends compound and credit quarterly | 0.50% | $100 |
| 36 monthsDividends compound and credit quarterly | 0.60% | $181 |
| 48 monthsDividends compound and credit quarterly | 0.70% | $283 |
| 60 monthsDividends compound and credit quarterly | 0.75% | $381 |
Sources (1)
- grandjunctionfcu.org/rates/deposit-rates · captured Oct 4, 2026
Special-purpose accounts
IRA Share Certificates
Up to 0.75%APY · 5 terms
Open to all who live, work, worship or attend school in Mesa, Delta and Garfield Counties. APY applies only when dividends are added to principal. Dividends compound and credit quarterly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends compound and credit quarterly | 0.30% | $30 |
| 24 monthsDividends compound and credit quarterly | 0.50% | $100 |
| 36 monthsDividends compound and credit quarterly | 0.60% | $181 |
| 48 monthsDividends compound and credit quarterly | 0.70% | $283 |
| 60 monthsDividends compound and credit quarterly | 0.75% | $381 |
Sources (1)
- grandjunctionfcu.org/rates/deposit-rates · captured Oct 4, 2026
Who can join Grand Junction Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Mesa, Delta, or Garfield County are eligible for membership.
Family and household
- Immediate family members of eligible members are eligible for membership.
Membership information collected October 4, 2026.