Credit union · NCUA insured
San Juan Mountains CU CD Rates
Top CarrotSan Juan Mountains CU’s best CD rate is 3.20% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How San Juan Mountains CU’s CD rates compare
Compared with banks and credit unions near Montrose, CO, where San Juan Mountains CU has the most branches. $10,000, best rate first.
This credit union’s best
San Juan Mountains CU
3.20%APY
- Term
- 60 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $1,706
Certificates
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
NuVista Credit Union
3.55%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $176
San Juan Mountains CU CD score
68
CD score
Higher than 22% of U.S. banks and credit unions
- 3–8 months3–8 mo2.53%
- 9–15 months9–15 mo2.53%
- 16–30 months16–30 mo2.73%
- 31–60 months31–60 mo3.20%
- QualifiedQualified3.20%
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 San Juan Mountains CU 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.
Certificates
Up to 3.20%APY · 7 terms
Dividends are compounded monthly and paid monthly. Dividend rates are fixed for the term of the account. Substantial penalty for early withdrawal of certificates. Early withdrawal will reduce earnings. Additional deposits to certificate account will not be accepted. Dividends are not paid after maturity. Certificate accounts will not automatically renew, but will transferred to member's #1 share account at maturity unless member requests renewal at current rate. Early withdrawal penalty may reduce principal deposit.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.53% | $126 |
| 12 months | 2.53% | $253 |
| 18 months | 2.63% | $397 |
| 24 months | 2.73% | $553 |
| 36 months | 2.89% | $892 |
| 48 months | 3.09% | $1,294 |
| 60 months | 3.20% | $1,706 |
Sources (1)
- sjmcreditunion.org/certificate-rates · captured Sep 17, 2026
Special-purpose accounts
IRA Certificates
Up to 3.20%APY · 7 terms
Dividends are compounded monthly and paid monthly. Dividend rates are fixed for the term of the account. Substantial penalty for early withdrawal of certificates. Early withdrawal will reduce earnings. Additional deposits to certificate account will not be accepted. Dividends are not paid after maturity. Certificate accounts will not automatically renew, but will transferred to member's #1 share account at maturity unless member requests renewal at current rate. Early withdrawal penalty may reduce principal deposit.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.53% | $126 |
| 12 months | 2.53% | $253 |
| 18 months | 2.63% | $397 |
| 24 months | 2.73% | $553 |
| 36 months | 2.89% | $892 |
| 48 months | 3.09% | $1,294 |
| 60 months | 3.20% | $1,706 |
Sources (1)
- sjmcreditunion.org/certificate-rates · captured Sep 17, 2026
Who can join San Juan Mountains CU
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 individuals who live or work in Montrose, Gunnison, San Miguel, Hindsdale, Ouray, Delta, or Mesa County.
Employers and groups
- Eligibility is available through participating Select Employer Groups (SEGs).
Family and household
- All family members of an existing credit union member are eligible for membership.
Cost to join
- A $25.00 deposit is required to start a share account upon completing the membership new account card.
Membership information collected October 4, 2026.