Compare Bank & Credit Union Rates
Best CD rates in Highlands Ranch, CO
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 16–30 results in Highlands Ranch, CO
- Red Rocks Credit UnionCertificate of DepositCD · 6 months · $500 min · 3.50%–3.60% by balance
Credit union · 1 branch
3.50%APY$173 over 6 months on $10,000Requirements
Product: Membership required. $500 minimum for all terms. Penalty imposed for early withdrawals. Fees may reduce earnings. Unless withdrawn or transferred at maturity or within 10 calendar day grace period, account automatically renews to a certificate with the same term at non-relationship rate available at that time. To open a CD of over $50,000, call 303.471.7625.
Offer: CD Balances up to $99,999. $500 minimum on all terms. Penalty imposed for early withdrawals. Fees may reduce earnings. Automatically renews at maturity to non-relationship rate unless withdrawn within 10 calendar day grace period.
3.45% interest rate · Effective Sep 23, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $99,999Your amount 3.50% $100,000 and up 3.60% Rate checked
More details - 3.40%APY$692 over 24 months on $10,000
Requirements
Product: Start with a minimum of $2,500. Option to make a one-time bump-up to the rate currently offered for the same type certificate account anytime during the original term. Ability to make a one-time additional deposit of $100 or more. Flexibility to make one penalty-free withdrawal during the account term as long as a minimum balance of $1,000 remains. Membership eligibility applies.
Offer: Minimum opening account balance is $2,500; minimum balance to earn APY is $1,000.
3.35% interest rate · Effective Oct 3, 2026
Rate checked
More details - 3.30%APY$164 over 6 months on $10,000
Requirements
Product: Additional deposits of $50.00 or greater are allowed on 90 day and 6 month Add-on Certificates only. Dividends credited and compounded quarterly. Early withdrawal penalty applies.
Offer: Fixed term 6 Month Add-on Certificate.
3.26% interest rate · Compounded quarterly · Effective Oct 6, 2026
Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
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More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% Rate checked
More details - 3.00%APY$174 over 7 months on $10,000
Requirements
Product: No monthly fee. Withdraw your money at any time and pay no penalties.
Offer: 7 Month No Penalty; $1,000 opening deposit required / $250,000 max; under $100,000 and $100,000 or more tiers earn 3.00% APY.
2.97% interest rate · Balance cap $250,000 · Effective Oct 1, 2026
Rate checked
More details - 3.00%APY$376 over 15 months on $10,000
Requirements
Product: No monthly fee. Months 0-7: withdraw all money including interest earned without penalties any time after first 7 days following funding date. Months 8-15: early withdrawal fee is $25 plus 3% of amount withdrawn.
Offer: 15 Month Flex; $1,000 opening deposit required / $500,000 max; under $100,000 and $100,000 or more tiers earn 3.00% APY.
2.97% interest rate · Balance cap $500,000 · Effective Oct 1, 2026
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More details - 3.00%APY$1,564 over 59 months on $10,000
Requirements
Product: Rates for ZIP code 60606. Early withdrawal penalties may apply. Account must be opened online, by phone, or at a financial center. For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding. CDs opened online cannot be for an IRA.
Effective Sep 17, 2026
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More details - 2.00%APY$66 over 4 months on $10,000
Requirements
Product: No monthly fee. Early withdrawal penalties may apply. Pair with Premier Checking to receive a 0.10% interest rate bonus upon request.
Offer: 120 Days term.
1.99% interest rate · Effective Oct 1, 2026
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More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 2 branches
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% Rate checked
More details - 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · Effective Oct 6, 2026
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More details - 0.35%APY$82 over 28 months on $10,000blended over a stepped scheduleintro rate
Requirements
Offer: Step period 1 (months 1-7)
Promotional rate · 0.05% interest rate · Effective Oct 6, 2026
Rate schedule
Rate schedule for Step Up CD Period APY Step period 1 (months 1-7) 0.05% Step period 2 (months 8-14) 0.25% Step period 3 (months 15-21) 0.45% Step period 4 (months 22-28) 0.65% Rate checked
More details - 0.25%APY$126 over 60 months on $10,000
0.25% interest rate · Effective Oct 6, 2026
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More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What CDs pay in Highlands Ranch, CO
246 CDs at 15 banks and credit unions · checked Oct 6–22
- Typical
- 1.75%
- Top 10% from
- 3.97%
- Banks, typical
- 0.25%
- Credit unions, typical
- 3.66%
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Denver, CO metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Colorado Federal BankBank · 1 branch
- Canvas Credit UnionCredit union · 22 branches
- Bellco Credit UnionCredit union · 21 branches