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 1–15 results in Colorado
- 4.35%APY$435 over 1 year on $10,000
Requirements
Product: Accounts available for individuals only. Online CD. No monthly maintenance fee, ACH fee or online Account fee.
Offer: Early withdrawal penalty equals 3 months' worth of interest.
4.26% interest rate · Effective Oct 15, 2026
Rate checked
More details - 4.25%APY$425 over 1 year on $10,000intro rate
Requirements
Product: Current rates apply to new CDs and renewals at maturity only. APY is based on quarterly compounding. Early withdrawal penalty may reduce earnings.
Promotional rate · Effective Oct 13, 2026
Rate checked
More details - 4.20%APY$420 over 1 year on $10,000
Requirements
Product: Interest is compounded and credited quarterly for investment terms of 12 months or longer; shorter terms pay at maturity. Penalties apply for early withdrawal. Rates are accurate as of 10/15/2026 and subject to change.
Offer: 12-Month term. A fixed interest rate is earned on the entire balance. Minimum opening balance of $500 required to obtain disclosed APY. Compounded and credited quarterly. Early withdrawal penalty: 183 - <60 Months: 1 year loss of interest.
Effective Oct 15, 2026
Rate checked
More details - 4.15%APY$415 over 1 year on $10,000
Requirements
Product: Interest penalty for early withdrawal from certificates of deposit. Fees could reduce earnings on the account.
Offer: APY assumes principal and interest remain on deposit for the term of the certificate. Interest paid for the APY occurs at the end of the term or annually, whichever occurs first.
4.15% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.15%APY$415 over 1 year on $10,000
Requirements
Product: Tiered rates based on minimum deposit. Early withdrawal penalty applies (90, 120, or 180 days of earned interest depending on term). No additional deposits allowed during term.
Effective Oct 15, 2026
Rate checked
More details - Navy Federal Credit UnionStandard CertificateCD · 12 months · $1,000 min · 4.05%–4.10% by balance
Credit union · 6 branches
4.05%APY$405 over 1 year on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.05% $20,000 and up 4.05% $100,000 and up 4.10% Rate checked
More details - 4.05%APY$405 over 1 year on $10,000
3.97% interest rate
Rate checked
More details - 4.04%APY$404 over 1 year on $10,000
Requirements
Product: Early withdrawal penalties apply: CD terms ≤ 1 year – Early withdrawal penalty is equal to 30 days' worth of dividends; CD terms > 1 year – Early withdrawal penalty is equal to 90 days' worth of dividends. Dividends added quarterly. No fee if account falls below minimum balance.
4.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal
Offer: A penalty may be imposed for early withdrawal
2.87% interest rate · Effective Oct 20, 2026
Rate by balance
Rate by balance for 12 Month CD Balance APY Up to $10,000 2.90% $10,000 and upYour amount 4.00% Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Offer: You can add money any time until maturity. No maximum balance.
3.92% interest rate · Effective Oct 22, 2026
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More details - 4.00%APY$400 over 1 year on $10,000intro rate
Requirements
Product: Available with new money only (funds from a non-Options account). Cannot be combined with Loyalty Rewards. 90-day early withdrawal penalty. At maturity, automatically renews into a standard 6-month term.
Offer: Limited-time special offer for new money only. Cannot be combined with Loyalty Rewards. At maturity renews into a standard 6-month term.
Promotional rate · Effective Jul 20, 2026
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More details - Metrum Community Credit UnionCertificate of DepositCD · 12 months · $500 min · 4.00%–4.10% by balance
Credit union · 1 branch
4.00%APY$400 over 1 year on $10,000Requirements
Product: Low minimum balance of $500 ($1,000 / $500 for under 18 cited on p29). Terms from 6 months to 5 years. Fixed term at a fixed rate. Interest is paid quarterly and calculated on average daily balance. Early withdrawal penalties apply: 3-11 month terms= 90 days interest penalty, 12 month terms or greater= 180 days interest penalty. Federally insured to at least $250,000 by NCUA.
Effective Oct 19, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $500 and upYour amount 4.00% $100,000 and up 4.10% Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Interest is compounded and credited quarterly using the daily balance method. Penalty for early withdrawal: 6 months interest if maturity is 24 months or less; 12 months interest if maturity is more than 24 months.
Offer: Relationship rate requires Direct Deposit Checking.
3.94% interest rate · Effective Sep 23, 2026
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Tiered rates based on minimum deposit. Early withdrawal penalty applies (90, 120, or 180 days of earned interest depending on term). No additional deposits allowed during term.
Effective Oct 15, 2026
Rate checked
More details - Credit Union of DenverCertificates - TraditionalCD · 12 months · $1,000 min
Credit union · 2 branches
4.00%APY$400 over 1 year 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
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 1-year CDs pay in Colorado
128 CDs at 100 banks and credit unions · checked Oct 16–22
- Typical
- 3.50%
- Top 10% from
- 4.00%
- Banks, typical
- 3.03%
- Credit unions, typical
- 3.58%
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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