Compare Bank & Credit Union Rates
Best CD rates in Colorado
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 136–150 results in Colorado
- 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 Months 8-15: early withdrawal fee is $25 plus 3% of amount withdrawn.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 · 2 branches
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 For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding.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
Rate checked
More details - 2.94%APY$294 over 1 year on $10,000
Requirements
Product: 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.
Offer: Must maintain $1,000 minimum monthly balance to keep APY. Allows 1 monthly withdrawal without penalty.
2.90% interest rate · Effective Oct 1, 2026
Rate checked
More details - 2.90%APY$741 over 30 months on $10,000with conditions
Requirements
Product: Offers an option to increase the rate one time during the term based on current rates; additional funds may be added up to initial deposit amount in $1,000 increments at time of increase. Interest compounded and credited quarterly using daily balance method. Penalty for early withdrawal: 12 months interest if maturity is more than 24 months.
Offer: Relationship rate requires Direct Deposit Checking.
Qualified rate · 2.87% interest rate · Effective Sep 23, 2026
Rate checked
More details - Delta County Federal Credit UnionShare Certificates/CD'sCD · 18 months · $2,500 min
Credit union · 2 branches
2.88%APY$435 over 18 months on $10,000Requirements
Product: Must maintain membership share ($25 par value). Early withdrawal penalties may apply. Dividends calculated by average daily balance method. 3 Month certificate is for youth members only.
Offer: Compounded and credited quarterly.
2.85% interest rate · Effective Sep 23, 2026
Rate checked
More details - 2.80%APY$423 over 18 months on $10,000
Requirements
Product: No setup, monthly, or annual maintenance fees. Early withdrawals subject to penalty. Interest calculated using average daily balance method. Open in branch, by mail, or wire transfer.
Offer: Fixed rate. Early withdrawal penalty applies.
2.76% interest rate · Effective Oct 16, 2026
Rate checked
More details - NBH BankFixed Rate 15 Month Time Deposit (Online Account Opening)CD · 15 months · $500 min
Bank · 32 branches
2.76%APY$346 over 15 months on $10,000Requirements
Product: Online Account Opening schedule for 15 Month Certificate of Deposit Time Account.
Offer: Must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield. Interest compounded annually and credited annually and at maturity.
2.75% interest rate · Compounded annually
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More details - 2.50%APYintro rate
Requirements
Product: Minimum opening deposit $500. Available at branch locations.
Offer: Term: 3 to 5 months.
Promotional rate
Rate checked
More details - The District Credit UnionRegular Term CertificatesCD · 60 months · $500 min
Credit union · 2 branches
2.35%APY$1,232 over 60 months on $10,000Requirements
Product: Dividends are compounded daily and credited monthly. Certificates are automatically renewed to the Share Savings account upon maturity. Early withdrawal penalties apply.
Offer: Early withdrawal penalty: 48 months or greater – 540 days dividends.
2.33% interest rate · Compounded daily · Effective Oct 14, 2026
Rate checked
More details - 2.28%APY$700 over 36 months on $10,000
Requirements
Product: All CDs are subject to early withdraw penalties.
Offer: Subject to early withdraw penalties.
2.25% interest rate · Effective Dec 9, 2025
Rate checked
More details - Eastern Colorado BankCertificate of DepositCD · 12 months · $2,500 min · 1.00%–2.50% by balance
Bank · 7 branches
2.15%APY$215 over 1 year on $10,000Requirements
Product: Penalty for early withdrawal. Accounts automatically renew at maturity with a 10-day grace period. Compounding and crediting vary by term.
Offer: Interest compounded and credited semi-annually. Early withdrawal penalty is 180 days interest.
1.00% interest rate · Effective Jul 1, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $2,500 – $10,000 1.00% $10,000 – $25,000Your amount 2.15% $25,000 – $50,000 2.30% $50,000 – $100,000 2.40% $100,000 – $235,000 2.50% Rate checked
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 - 1.85%APY$46 over 3 months on $10,000
Requirements
Product: Certificates of Deposits (CD) have minimum balance of $500.00 required to open an account. Penalties apply for early withdrawal and may affect principal balance. Fees may reduce earnings.
1.83% interest rate · Effective Oct 1, 2026
Rate checked
More details - Native American BankCertificate of Deposit (CD)CD · 12 months · $1,000 min · 1.76%–1.86% by balance
Bank · 1 branch
1.76%APY$176 over 1 year on $10,0001.75% interest rate · Effective Sep 18, 2026
Rate by balance
Rate by balance for Certificate of Deposit (CD) Balance APY $1,000 and upYour amount 1.76% $25,000 and up 1.81% $100,000 and up 1.86% 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What CDs pay in Colorado
1,024 CDs at 108 banks and credit unions · checked Oct 15–22
- Typical
- 3.20%
- Top 10% from
- 4.00%
- Banks, typical
- 2.25%
- Credit unions, typical
- 3.45%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Colorado
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Colorado Federal BankBank · 1 branch
- Altra Federal Credit UnionCredit union · 1 branch
- Canvas Credit UnionCredit union · 36 branches