Compare Bank & Credit Union Rates
Best CD rates in Lakewood, CO
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 16–30 results in Lakewood, CO
- 3.75%APY$375 over 1 year on $10,000with conditions
Requirements
Product: Qualify for Relationship Rewards interest rates when paired with a Key Advantage Checking ® , Key Privilege Checking ® , Key Privilege Select Checking ® , Key Select Checking ® , Key Private Client ® Checking , Key Private Bank Checking ® , or Key Private Bank Personal Checking Account.
Offer: Promotional Rate accurate as of September 26, 2026, 12-month Tiered CD with Relationship Rewards up to $99,999.99. Minimum opening deposit $2,500. Compounded daily. Early withdrawal penalties may apply.
Qualified rate · Compounded daily · Balance cap $99,999.99 · Effective Sep 26, 2026
Rate checked
More details - 3.65%APY$181 over 6 months on $10,000
Requirements
Product: Dividends are compounded and paid quarterly. Fixed rate at a fixed term. Automatic renewal at maturity for the same term at the current market rate. Early withdrawal penalty is 90 days worth of interest.
3.60% interest rate · Effective Dec 19, 2025
Rate checked
More details - Credit Union of ColoradoTraditional Certificate of Deposit (CD)CD · 12 months · $500 min · 3.51%–3.80% by balance
Credit union · 1 branch
3.60%APY$360 over 1 year on $10,000Requirements
Product: Open with $500. Automatic renewal upon maturity with a 10-day grace period. Early withdrawal penalty applies. Dividends credited and compounded quarterly.
Offer: Fixed term 1 Year.
3.46% interest rate · Compounded quarterly · Effective Oct 6, 2026
Rate by balance
Rate by balance for Traditional Certificate of Deposit (CD) Balance APY $500 and up 3.51% $10,000 and upYour amount 3.60% $25,000 and up 3.70% $100,000 and up 3.80% Rate checked
More details - 3.55%APY$355 over 1 year on $10,000
Requirements
Product: 12 month term. Additional funds can be added at any time during the term. Maximum value is $25,000. Dividends credited quarterly. Early withdrawal penalty is 90 days of interest.
Offer: Can add additional funds at any time during the term. Maximum value is $25,000.
3.50% interest rate · Balance cap $25,000 · Effective Dec 19, 2025
Rate checked
More details - Climb Credit Union22 Month Share Certificate BUMP-UPCD · 22 months · $2,500 min · 3.40%–3.50% by balance
Credit union · 1 branch
3.40%APY$632 over 22 months on $10,000Requirements
Product: Membership eligibility required. Fixed rate. Additional deposits allowed (up to three deposits). You may request to make a one-time withdrawal of up to half of the amount in the CD, up to three deposits, and one rate change to the current rate being offered at that time during the account term with no penalty. The remaining balance in the account must be at least $2,500. Automatic renewal with 10 day grace period. Early withdrawal penalty is 90 days dividends.
3.35% interest rate · Effective Mar 1, 2026
Rate by balance
Rate by balance for 22 Month Share Certificate BUMP-UP Balance APY $2,500 – $50,000Your amount 3.40% $50,000 and up 3.50% 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
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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
Rate checked
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
Rate checked
More details - Credit Union of DenverStarter Certificates - Add On OptionsCD · 24 months · $25 min
Credit union · 1 branch
3.00%APY$609 over 24 months on $10,000Requirements
Product: Compounds monthly. Early withdrawal penalties may apply on Certificates and fees may reduce earnings. The Interest APY is variable. Federally Insured by NCUA.
Offer: Compounds monthly. Early withdrawal penalties may apply.
Effective Oct 1, 2026
Rate checked
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
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 Lakewood, CO
296 CDs at 21 banks and credit unions · checked Oct 6–22
- Typical
- 1.63%
- Top 10% from
- 3.90%
- Banks, typical
- 0.30%
- Credit unions, typical
- 3.40%
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Find your bank or credit union to see all its rates and how they compare near you.
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