Credit union · NCUA insured
Rio Grande Federal Credit Union CD Rates
Rio Grande Federal Credit Union’s best CD rate is 3.65% APY on a 1-year share certificate (CD). Terms run from 3 months to 3 years. Rates checked October 22, 2026.
How Rio Grande Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Grand Junction, CO, where Rio Grande Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Rio Grande Federal Credit Union
3.65%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $365
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
Rio Grande Federal Credit Union CD score
78
CD score
Higher than 47% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.65%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.50%
- QualifiedQualified3.65%
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 Rio Grande Federal 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.
Certificate of Deposit
Up to 3.65%APY · 6 terms
Annual Percentage Yield calculation based on quarterly compounding. Dividends paid quarterly, early withdrawal penalties apply to all certificates. Minimum deposit to open and to maintain to earn interest is $500.00. Rates are subject to change without notice.
| Term | APY · $500 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | 1.55% | 2.75% | 1.55%2.75% from $10k | $39 |
| 6 months | 1.70% | 3.50% | 1.70%3.50% from $10k | $85 |
| 12 months | 1.80% | 3.65% | 1.80%3.65% from $10k | $180 |
| 18 months | 1.90% | 3.50% | 1.90%3.50% from $10k | $286 |
| 24 months | 2.00% | 3.45% | 2.00%3.45% from $10k | $404 |
| 36 months | — | 3.50% | 3.50% | $1,087 |
Sources (2)
All captured Oct 15, 2026
Who can join Rio Grande Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to persons who live, work, worship, or attend school in Mesa County, as well as businesses and other legal entities located within Mesa County.
Cost to join
- A $25 minimum deposit to a savings account is required to become a member.
Membership information collected October 4, 2026.