Credit union · NCUA insured
Options Credit Union CD Rates
Top CarrotOptions Credit Union’s best CD rate is 4.30% APY on a 7-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Options Credit Union’s CD rates compare
Compared with banks and credit unions near Denver, CO, where Options Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Options Credit Union
4.30%APY
- Term
- 7 months
- Minimum
- $5,000
- Earns on $10,000
- $249
4.30% APY CD
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
Options Credit Union CD score
91
CD score
Higher than 92% of U.S. banks and credit unions
- 3–8 months3–8 mo4.30%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo4.10%
- QualifiedQualified4.30%
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 Options 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.
4.30% APY CD
4.30%APY · 1 term
Available with new money only (funds from a non-Options account). Cannot be combined with Loyalty Rewards. 90-day early withdrawal penalty. At maturity, automatically renews into a standard 12-month term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsLimited-time special offer for new money only. Cannot be combined with Loyalty Rewards. At maturity renews into a standard 12-month term | 4.30% | $249 |
Sources (1)
- optionscreditunion.com/post/lo…apy-cd-rate-for-7-months · captured Oct 22, 2026
Certificates (CD)
Up to 4.10%APY · 7 terms
Minimum balance to open and earn is $500. Compounds monthly. Advantage Members can receive a +0.25% rate boost and Premier Advantage Members can receive a +0.50% rate boost on new certificates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsAdvantage APY with +0.25% rate boost. Early withdrawal penalty is 90 days interest | 3.45% | $171 |
| 6 monthsCore APY. Early withdrawal penalty is 90 days interest | 3.20% | $159 |
| 6 monthsPremier Advantage APY with +0.50% rate boost. Early withdrawal penalty is 90 days interest | 3.70% | $183 |
| 12 monthsAdvantage APY with +0.25% rate boost. Early withdrawal penalty is 90 days interest | 3.25% | $325 |
| 12 monthsCore APY. Early withdrawal penalty is 90 days interest | 3.00% | $300 |
| 12 monthsPremier Advantage APY with +0.50% rate boost. Early withdrawal penalty is 90 days interest | 3.50% | $350 |
| 18 monthsAdvantage APY with +0.25% rate boost. Early withdrawal penalty is 180 days interest | 3.15% | $476 |
| 18 monthsCore APY. Early withdrawal penalty is 180 days interest | 2.90% | $438 |
| 18 monthsPremier Advantage APY with +0.50% rate boost. Early withdrawal penalty is 180 days interest | 3.40% | $514 |
| 24 monthsAdvantage APY with +0.25% rate boost. Early withdrawal penalty is 180 days interest | 3.25% | $661 |
| 24 monthsCore APY. Early withdrawal penalty is 180 days interest | 3.00% | $609 |
| 24 monthsPremier Advantage APY with +0.50% rate boost. Early withdrawal penalty is 180 days interest | 3.50% | $712 |
| 36 monthsAdvantage APY with +0.25% rate boost. Early withdrawal penalty is 180 days interest | 3.25% | $1,007 |
| 36 monthsCore APY. Early withdrawal penalty is 180 days interest | 3.00% | $927 |
| 36 monthsPremier Advantage APY with +0.50% rate boost. Early withdrawal penalty is 180 days interest | 3.50% | $1,087 |
| 48 monthsAdvantage APY with +0.25% rate boost. Early withdrawal penalty is 180 days interest | 3.25% | $1,365 |
| 48 monthsCore APY. Early withdrawal penalty is 180 days interest | 3.00% | $1,255 |
| 48 monthsPremier Advantage APY with +0.50% rate boost. Early withdrawal penalty is 180 days interest | 3.50% | $1,475 |
| 60 monthsAdvantage APY with +0.25% rate boost. Early withdrawal penalty is 180 days interest | 3.85% | $2,079 |
| 60 monthsCore APY. Early withdrawal penalty is 180 days interest | 3.60% | $1,934 |
| 60 monthsPremier Advantage APY with +0.50% rate boost. Early withdrawal penalty is 180 days interest | 4.10% | $2,225 |
Sources (3)
- optionscreditunion.com
- optionscreditunion.com/post/th…es-and-exclusive-rewards
- optionscreditunion.com/deposit-rates
All captured Oct 22, 2026
12-Month Certificate Special
4.00%APY · 1 term
Available with new money only (funds from a non-Options account). Cannot be combined with Loyalty Rewards. 90-day early withdrawal penalty. At maturity, automatically renews into a standard 6-month term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsLimited-time special offer for new money only. Cannot be combined with Loyalty Rewards. At maturity renews into a standard 6-month term | 4.00% | $400 |
Sources (1)
- optionscreditunion.com/post/lo…h-a-12-month-certificate · captured Oct 22, 2026
3.80% CD Special
3.80%APY · 1 term
Available with new money only (funds from a non-Options account). Cannot be combined with Loyalty Rewards. 90-day early withdrawal penalty. At maturity, automatically renews into a standard 12-month term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsLimited-time special offer for new money only. Cannot be combined with Loyalty Rewards. At maturity renews into a standard 12-month term | 3.80% | $220 |
Sources (1)
- optionscreditunion.com/post/gr…h-cd-special-at-3-80-apy · captured Oct 22, 2026
Who can join Options Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members and employees of the Colorado Bar Association are eligible for membership.
- Members and employees of the Denver Bar Association are eligible for membership.
- Members and employees of GoWest Friends of the Foundation are eligible for membership.
- Members and employees of the Rocky Mountain Paralegal Association are eligible for membership.
Other ways
- Individuals not currently a member of a partner association can join Friends of the Foundation online and become eligible for membership if they reside in Colorado.
Membership information collected October 4, 2026.