Bank · FDIC insured
Young Americans Bank CD Rates
A $15.5M bank headquartered in Denver, CO, with 2 branches in Colorado.
How Young Americans Bank’s CD rates compare
Compared with banks and credit unions in Colorado, where Young Americans Bank has the most branches. $10,000, best rate first.
This bank’s best
Young Americans Bank
3.00%APY
- Term
- 6 months
- Minimum
- $100
- Earns on $10,000
- $149
Certificates of Deposit
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
Wray State Bank
5.09%APY
- Term
- 24 months
- Minimum
- —
- Earns on $10,000
- $1,044
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Special-purpose accounts
Certificates of Deposit
Up to 3.00%APY · 3 terms
Designed for youth under 22. Minimum opening deposit is $100. A penalty will be imposed for early CD withdrawals. Interest paid quarterly, statements mailed annually, automatically renewable. Can be opened online or in person.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty: 1 month interest | 3.00% | $149 |
| 12 monthsEarly withdrawal penalty: 3 months interest | 2.75% | $275 |
| 24 monthsEarly withdrawal penalty: 3 months interest | 2.50% | $506 |
Sources (5)
- yacenter.org/young-americans-bank
- yacenter.org/open-an-account
- yacenter.org/personal-banking
- yacenter.org/rates-and-fees
- yacenter.org/savings-cds
All captured Sep 17, 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.