Bank · FDIC insured
Home Loan State Bank CD Rates
Home Loan State Bank’s best CD rate is 1.46% APY on a 1-year CD. Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Home Loan State Bank’s CD rates compare
Compared with banks and credit unions near Grand Junction, CO, where Home Loan State Bank has the most branches. $10,000, best rate first.
This bank’s best
Home Loan State Bank
1.46%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $146
Certificate 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
Canvas Credit Union
4.25%APY
- Term
- 21 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $756
Home Loan State Bank CD score
61
CD score
Higher than 5% of U.S. banks and credit unions
- 3–8 months3–8 mo0.70%
- 9–15 months9–15 mo1.46%
- 16–30 months16–30 mo1.00%
- 31–60 months31–60 mo1.31%
- QualifiedQualified1.46%
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 Home Loan State 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
Up to 1.46%APY · 6 terms
Personal and Business. Additional deposits only at maturity. A penalty will be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty is 90 days interest. Additional deposits only at maturity | 0.68% | $34 |
| 12 monthsEarly withdrawal penalty is 90 days interest. Additional deposits only at maturity | 1.46% | $146 |
| 24 monthsEarly withdrawal penalty is 90 days interest. Additional deposits only at maturity | 1.00% | $201 |
| 36 monthsEarly withdrawal penalty is 180 days interest. Additional deposits only at maturity | 1.10% | $334 |
| 48 monthsEarly withdrawal penalty is 180 days interest. Additional deposits only at maturity | 1.21% | $493 |
| 60 monthsEarly withdrawal penalty is 180 days interest. Additional deposits only at maturity | 1.31% | $672 |
Hybrid CD
Up to 0.85%APY · 3 terms
Personal and Business. Allows additional deposits any time during the life of the CD; rates change with the market. A penalty will be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsAllows additional deposits any time during the life of the CD. Early withdrawal penalty is 90 days interest | 0.70% | $35 |
| 12 monthsAllows additional deposits any time during the life of the CD. Early withdrawal penalty is 90 days interest | 0.75% | $75 |
| 24 monthsAllows additional deposits any time during the life of the CD. Early withdrawal penalty is 90 days interest | 0.85% | $171 |
Closed to new customers
Legacy CD
Up to 1.66%APY · 6 terms
Available to our Legacy Customers. Additional deposits only at maturity. A penalty will be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty is 90 days interest. Additional deposits only at maturity | 0.85% | $42 |
| 12 monthsEarly withdrawal penalty is 90 days interest. Additional deposits only at maturity | 1.66% | $166 |
| 24 monthsEarly withdrawal penalty is 90 days interest. Additional deposits only at maturity | 1.41% | $284 |
| 36 monthsEarly withdrawal penalty is 180 days interest. Additional deposits only at maturity | 1.16% | $352 |
| 48 monthsEarly withdrawal penalty is 180 days interest. Additional deposits only at maturity | 1.26% | $514 |
| 60 monthsEarly withdrawal penalty is 180 days interest. Additional deposits only at maturity | 1.36% | $699 |
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.