Bank · FDIC insured
High Country Bank CD Rates
High Country Bank’s best CD rate is 3.82% APY on a 1-year CD. Terms run from 3 months to 1 year. Rates checked October 22, 2026.
How High Country Bank’s CD rates compare
Compared with banks and credit unions near Boulder, CO, where High Country Bank has the most branches. $10,000, best rate first.
This bank’s best
High Country Bank
3.82%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $382
Certificates of Deposit
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
PNC
4.25%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $461
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 3.82%APY · 4 terms
Fixed rate and term ranging from 6 months to 5 years. All certificates have a $500.00 minimum balance requirement to open the account and obtain the Annual Percentage Yield.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.46% | $86 |
| 6 months | 3.51% | $174 |
| 8 months | 3.56% | $236 |
| 12 months | 3.82% | $382 |
Sources (1)
- highcountrybank.net/personal/personal-savings · captured Oct 22, 2026
Special-purpose accounts
Individual Retirement Account - IRA CD
Up to 3.20%APY · 7 terms
Minimum opening deposit is $500.00. A penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsIRA Type: Traditional. Penalty may be imposed for early withdrawal | 3.20% | $159 |
| 12 monthsIRA Type: Traditional, Roth, Simple or SEP. Penalty may be imposed for early withdrawal | 2.79% | $279 |
| 18 monthsIRA Type: Traditional, Roth or SEP. Penalty may be imposed for early withdrawal | 2.53% | $382 |
| 24 monthsIRA Type: Traditional. Penalty may be imposed for early withdrawal | 2.17% | $439 |
| 36 monthsIRA Type: Traditional or Simple. Penalty may be imposed for early withdrawal | 2.02% | $618 |
| 48 monthsIRA Type: Traditional. Penalty may be imposed for early withdrawal | 2.02% | $833 |
| 60 monthsIRA Type: Traditional or Roth. Penalty may be imposed for early withdrawal | 2.02% | $1,052 |
Sources (1)
- highcountrybank.net/wp-content…ES-DEPOSIT-July-2026.pdf · captured Oct 22, 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.