Credit union · NCUA insured
SPACE AGE CD Rates
Top CarrotSPACE AGE’s best CD rate is 3.56% APY on a 3-month share certificate (CD). Terms run from 3 months to 3 years. Rates checked October 22, 2026.
How SPACE AGE’s CD rates compare
Compared with banks and credit unions near Denver, CO, where SPACE AGE has the most branches. $10,000, best rate first.
This credit union’s best
SPACE AGE
3.51%APY
- Term
- 3–6 months
- Minimum
- $500
- Earns on $10,000
- —
Share Certificate
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
SPACE AGE CD score
71
CD score
Higher than 30% of U.S. banks and credit unions
- 3–8 months3–8 mo3.51%
- 9–15 months9–15 mo3.20%
- 16–30 months16–30 mo3.20%
- 31–60 months31–60 mo2.78%
- QualifiedQualified3.51%
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 SPACE AGE 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 3.51%APY · 7 terms
Dividends are compounded and paid monthly and at maturity. Early withdrawal penalty applies (30 days dividends for terms less than a year, 90 days dividends for terms of 1 or more years). Account automatically renews at maturity. Opening minimum $500.
| Term | APY · $500 and up | APY · $1,000 and up | APY · $5,000 and up | APY · $10,000 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 3–6 months | 3.40% | 3.40% | 3.45% | 3.51% | 3.56% | 3.40%3.40% from $1k3.45% from $5k3.51% from $10k3.56% from $50k | $84 |
| 6–12 months | 3.35% | 3.35% | 3.40% | 3.45% | 3.51% | 3.35%3.35% from $1k3.40% from $5k3.45% from $10k3.51% from $50k | $166 |
| 12–18 months | 3.04% | 3.04% | 3.09% | 3.14% | 3.20% | 3.04%3.04% from $1k3.09% from $5k3.14% from $10k3.20% from $50k | $304 |
| 18–24 months | 3.09% | 3.09% | 3.14% | 3.20% | 3.25% | 3.09%3.09% from $1k3.14% from $5k3.20% from $10k3.25% from $50k | $467 |
| 24–30 months | 2.94% | 2.94% | 2.99% | 3.04% | 3.09% | 2.94%2.94% from $1k2.99% from $5k3.04% from $10k3.09% from $50k | $597 |
| 30–36 months | 2.94% | 2.94% | 2.99% | 3.04% | 3.09% | 2.94%2.94% from $1k2.99% from $5k3.04% from $10k3.09% from $50k | $751 |
| 36 months3-Year Step-Up | 2.68% | 2.68% | 2.73% | 2.78% | 2.84% | 2.68%2.68% from $1k2.73% from $5k2.78% from $10k2.84% from $50k | $826 |
Balance Builder CD
3.20%APY · 1 term
Minimum deposit $1,000, maximum deposit $10,000. Allows unlimited additional deposits throughout the 12-month term. Early withdrawal penalties apply. Automatically renews at maturity for 12 months at current Balance Builder CD rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAllows unlimited additional deposits throughout the 12-month term. Early withdrawal penalties apply | 3.20% | $320 |
Sources (2)
All captured Oct 22, 2026
Safety Net CD
2.94%APY · 1 term
Minimum deposit $1,000, maximum deposit $10,000. Allows for 1 monthly withdrawal without penalty for a total of 12 withdrawals throughout the CD term. Must maintain a minimum $1,000 monthly balance to keep the APY; if balance drops below $1,000, the rate reverts to standard savings account rate. No additional money can be added until maturity. Automatically renews at maturity for 12 months at current Safety Net CD rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMust maintain $1,000 minimum monthly balance to keep APY. Allows 1 monthly withdrawal without penalty | 2.94% | $294 |
Sources (2)
All captured Oct 22, 2026
Starter Certificate
0.65%APY
Minimum balance $25. Dividends paid monthly at a rate in accordance with the current Rate Sheet. Dividend rate may change monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25 and up | 0.65% | $65 |
Sources (6)
- spaceagecu.org/docs/default-so…hinsavingsdisclosure.pdf
- spaceagecu.org/accounts/savings/deposit-rates
- spaceagecu.org/accounts/checking/checking-accounts
- spaceagecu.org/accounts/savings/youth-savings
- spaceagecu.org/accounts/long-term/holiday-club
- spaceagecu.org/accounts/long-t…dual-retirement-accounts
All captured Oct 22, 2026
Special-purpose accounts
Youth Prime Certificate
7.00%APY
Exclusive for our Youth Members - a CD just for them! A Youth Prime Certificate may be opened for any member 18 years of age and under with a maximum deposit amount of $1,000. The Youth Prime Certificate is a fixed-rate certificate that is opened at the current prime rate.* Youth Prime Certificates mature on December 31st of each year, and can be annually renewed by the member through the age of 18. *Prime rate is based on the Wall Street Journal Prime Rate as of the last day of the prior month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000For members 18 years of age and under. Fixed-rate certificate opened at the current prime rate based on the Wall Street Journal Prime Rate as of the last day of the prior month. Matures on December 31st each year. Maximum deposit $1,000.Up to $1,000 | 7.00% | — | For members 18 years of age and under. Fixed-rate certificate opened at the current prime rate based on the Wall Street Journal Prime Rate as of the last day of the prior month. Matures on December 31st each year. Maximum deposit $1,000. |
Who can join SPACE AGE
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.