Bank · FDIC insured
North Valley Bank CD Rates
North Valley Bank’s best CD rate is 4.15% APY on a 1-year CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How North Valley Bank’s CD rates compare
Compared with banks and credit unions near Denver, CO, where North Valley Bank has the most branches. $10,000, best rate first.
This bank’s best
North Valley Bank
4.15%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $415
Certificates of Deposit
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
North Valley Bank CD score
87
CD score
Higher than 80% of U.S. banks and credit unions
- 3–8 months3–8 mo3.94%
- 9–15 months9–15 mo4.15%
- 16–30 months16–30 mo3.66%
- 31–60 months31–60 mo3.25%
- QualifiedQualified4.15%
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 North Valley 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.
Certificates of Deposit
Up to 4.15%APY · 8 terms
Interest penalty for early withdrawal from certificates of deposit. Fees could reduce earnings on the account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsAPY assumes principal and interest remain on deposit for the term of the certificate. Interest paid for the APY occurs at the end of the term or annually, whichever occurs first | 3.49% | $86 |
| 6 monthsAPY assumes principal and interest remain on deposit for the term of the certificate. Interest paid for the APY occurs at the end of the term or annually, whichever occurs first | 3.94% | $195 |
| 12 monthsAPY assumes principal and interest remain on deposit for the term of the certificate. Interest paid for the APY occurs at the end of the term or annually, whichever occurs first | 4.15% | $415 |
| 18 monthsAPY assumes principal and interest remain on deposit for the term of the certificate. Interest paid for the APY occurs at the end of the term or annually, whichever occurs first | 3.66% | $554 |
| 24 monthsAPY assumes principal and interest remain on deposit for the term of the certificate. Interest paid for the APY occurs at the end of the term or annually, whichever occurs first | 3.50% | $712 |
| 36 monthsAPY assumes principal and interest remain on deposit for the term of the certificate. Interest paid for the APY occurs at the end of the term or annually, whichever occurs first | 3.25% | $1,007 |
| 48 monthsAPY assumes principal and interest remain on deposit for the term of the certificate. Interest paid for the APY occurs at the end of the term or annually, whichever occurs first | 3.00% | $1,255 |
| 60 monthsAPY assumes principal and interest remain on deposit for the term of the certificate. Interest paid for the APY occurs at the end of the term or annually, whichever occurs first | 2.50% | $1,314 |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
Individual Retirement Accounts (IRAs) CD
Up to 3.80%APY · 1 term
Interest penalty for early withdrawal from certificates of deposit. Fees could reduce earnings on the account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsInterest compounded quarterly. APY assumes principal and interest remain on deposit for the term of the certificate. Interest paid for the APY occurs at the end of the term or annually, whichever occurs first | 3.55% | $537 |
Sources (1)
- nvbank.bank/resources/deposit-rates · captured Sep 17, 2026
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