Bank · FDIC insured
Yampa Valley Bank CD Rates
Top CarrotYampa Valley Bank’s best CD rate is 4.05% APY on a 1-year CD. Terms run from 1 month to 5 years. Rates checked October 22, 2026.
How Yampa Valley Bank’s CD rates compare
Compared with banks and credit unions near Steamboat Springs, CO, where Yampa Valley Bank has the most branches. $10,000, best rate first.
This bank’s best
Yampa Valley Bank
4.05%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $405
Time Certificates
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
3rd-highest rate
Zions Bank
3.05%APY
- Term
- 3 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $75
Yampa Valley Bank CD score
86
CD score
Higher than 74% of U.S. banks and credit unions
- 3–8 months3–8 mo3.85%
- 9–15 months9–15 mo4.05%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo3.55%
- QualifiedQualified4.05%
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 Yampa Valley Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Time Certificates
Up to 4.05%APY · 9 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 month | 2.25% | $19 |
| 3 months | 3.20% | $79 |
| 6 months | 3.85% | $191 |
| 9 months | 3.95% | $295 |
| 12 months | 4.05% | $405 |
| 24 months | 3.75% | $764 |
| 36 months | 3.55% | $1,103 |
| 48 months | 3.40% | $1,431 |
| 60 months | 3.00% | $1,593 |
Sources (2)
- yampavalleybank.com/personal/deposit-products
- yampavalleybank.com/personal/d…t-products/deposit-rates
All captured Sep 24, 2026
Special-purpose accounts
IRA Certificates
Up to 4.05%APY · 5 terms
Available as Roth & Traditional IRA options. Allows flexible additions at any time.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 4.05% | $405 |
| 24 months | 3.75% | $764 |
| 36 months | 3.55% | $1,103 |
| 48 months | 3.40% | $1,431 |
| 60 months | 3.00% | $1,593 |
Sources (2)
- yampavalleybank.com/personal/deposit-products
- yampavalleybank.com/personal/d…t-products/deposit-rates
All captured Sep 24, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.