Credit union · NCUA insured
NuVista Credit Union CD Rates
NuVista Credit Union’s best CD rate is 3.80% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How NuVista Credit Union’s CD rates compare
Compared with banks and credit unions near Montrose, CO, where NuVista Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
NuVista Credit Union
3.55%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $176
Share Certificate
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
3rd-highest rate
U.S. Bank
3.25%APY
- Term
- 6 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $161
NuVista Credit Union CD score
70
CD score
Higher than 27% of U.S. banks and credit unions
- 3–8 months3–8 mo3.55%
- 9–15 months9–15 mo3.34%
- 16–30 months16–30 mo2.02%
- 31–60 months31–60 mo2.78%
- QualifiedQualified3.55%
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 NuVista 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.
Share Certificate
Up to 3.55%APY · 6 terms
Dividends compound daily and are paid monthly. Insured up to $250,000 by NCUA. Penalty for early withdrawal: 12 months or less is 90 days of dividends, 13-35 months is 180 days of dividends, 36 months or longer is 365 days of dividends.
| Term | APY · $500 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 3.55% | 3.80% | 3.55%3.80% from $50k | $176 |
| 12 months | 3.34% | 3.60% | 3.34%3.60% from $50k | $334 |
| 24 months | 2.02% | 2.53% | 2.02%2.53% from $50k | $408 |
| 36 months | 2.27% | 2.53% | 2.27%2.53% from $50k | $697 |
| 48 months | 2.53% | 2.78% | 2.53%2.78% from $50k | $1,051 |
| 60 months | 2.78% | 3.04% | 2.78%3.04% from $50k | $1,469 |
Special-purpose accounts
Youth Share Certificate
Up to 3.34%APY · 4 terms
Youth Share Certificates are add-on Certificates, so deposits can be made to them. Penalty for early withdrawal: 12 months or less is 90 days of dividends, 13-35 months is 180 days of dividends, 36 months or longer is 365 days of dividends.
| Term | APY · $100 – $1,000 | APY · $100 and up | APY · Over $1,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 monthsDREAM Certificate Rate Structure: daily balance amounts of $1,000.01 and over will earn the current rate of a 12-Month Certificate | — | — | 3.34% | 3.34% | $334 |
| 12 monthsDREAM Certificate Rate Structure: daily balance up to $1,000.00 earns the current DREAM Certificate Rate | 5.12% | — | — | —5.12% $100–$1k | — |
| 36 months | — | 2.53% | — | 2.53% | $778 |
| 48 months | — | 2.78% | — | 2.78% | $1,159 |
| 60 months | — | 3.04% | — | 3.04% | $1,615 |
IRA Certificate
Up to 3.34%APY · 5 terms
Available for Traditional and Roth IRAs. IRA Certificates are not allowed any add-ons; a new Certificate would need to be opened. Early Withdrawal Penalties for IRA Certificates: 12 months or less is 90 days of dividends; 13-35 months is 180 days of dividends; 36 months or longer is 365 days of dividends. Penalty is calculated as forfeiture of dividends earned or that would be earned. NCUA insured up to $250,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.34% | $334 |
| 24 months | 2.02% | $408 |
| 36 months | 2.27% | $697 |
| 48 months | 2.53% | $1,051 |
| 60 months | 2.78% | $1,469 |
Who can join NuVista 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 anyone who lives, works, worships, or attends school in Montrose, Delta, Gunnison, Ouray, or San Miguel counties.
Cost to join
- Members must open and maintain a Share (Savings) Account with a minimum deposit of $25.00 representing their ownership share.
Membership information collected October 4, 2026.