Credit union · NCUA insured
Northern Colorado Credit Union CD Rates
Northern Colorado Credit Union’s best CD rate is 4.20% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Northern Colorado Credit Union’s CD rates compare
Compared with banks and credit unions near Fort Collins, CO, where Northern Colorado Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Northern Colorado Credit Union
4.15%APY
- Term
- 12 months
- Minimum
- $10,000
- Earns on $10,000
- $415
Peak CD
Top rate
Together Credit Union
4.50%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $412
2nd-highest rate
Academy Bank
4.40%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $667
Northern Colorado Credit Union CD score
84
CD score
Higher than 65% of U.S. banks and credit unions
- 3–8 months3–8 mo3.60%
- 9–15 months9–15 mo4.15%
- 16–30 months16–30 mo3.35%
- 31–60 months31–60 mo3.20%
- 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 Northern Colorado 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.
Summit CD
Up to 4.20%APY · 7 terms
Tiered rates based on minimum deposit. Early withdrawal penalty applies (90, 120, or 180 days of earned interest depending on term). No additional deposits allowed during term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.65% | — |
| 12 months | 4.20% | — |
| 18 months | 3.40% | — |
| 24 months | 3.35% | — |
| 36 months | 3.30% | — |
| 48 months | 3.20% | — |
| 60 months | 3.30% | — |
Sources (1)
- nococu.org/cd-rates-colorado · captured Oct 15, 2026
Peak CD
Up to 4.15%APY · 7 terms
Tiered rates based on minimum deposit. Early withdrawal penalty applies (90, 120, or 180 days of earned interest depending on term). No additional deposits allowed during term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.60% | $178 |
| 12 months | 4.15% | $415 |
| 18 months | 3.35% | $507 |
| 24 months | 3.26% | $663 |
| 36 months | 3.20% | $991 |
| 48 months | 3.10% | $1,299 |
| 60 months | 3.20% | $1,706 |
Sources (1)
- nococu.org/cd-rates-colorado · captured Oct 15, 2026
Mountain CD
Up to 4.00%APY · 7 terms
Tiered rates based on minimum deposit. Early withdrawal penalty applies (90, 120, or 180 days of earned interest depending on term). No additional deposits allowed during term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.55% | $176 |
| 12 months | 4.00% | $400 |
| 18 months | 3.30% | $499 |
| 24 months | 3.20% | $650 |
| 36 months | 3.16% | $978 |
| 48 months | 3.00% | $1,255 |
| 60 months | 3.16% | $1,683 |
Sources (1)
- nococu.org/cd-rates-colorado · captured Oct 15, 2026
Special-purpose accounts
IRA Certificate
Up to 3.60%APY · 7 terms
Traditional and Roth IRAs available. Early withdrawal penalty applies (90, 120, or 180 days of earned interest depending on term). No additional deposits allowed during term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.60% | $178 |
| 12 months | 3.50% | $350 |
| 18 months | 3.35% | $507 |
| 24 months | 3.26% | $663 |
| 36 months | 3.20% | $991 |
| 48 months | 3.10% | $1,299 |
| 60 months | 3.20% | $1,706 |
Evolution Certificate
3.35%APY · 1 term
Account for ages 0-26. Early withdrawal penalty applies (90, 120, or 180 days of earned interest depending on term). No additional deposits allowed during term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsFor ages 0-26 | 3.35% | $681 |
Sources (1)
- nococu.org/colorado-cd-rates · captured Oct 15, 2026
Who can join Northern Colorado Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to everyone living and working in Weld, Larimer, Morga, Logan, and Washington County communities.
Membership information collected October 4, 2026.