Compare Bank & Credit Union Rates
Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Denver, CO metro
- Northern New Mexico School Employees Federal Credit UnionShare CertificateCD · 24 months · $500 min
Credit union · 1 branch
5.12%APY$1,050 over 24 months on $10,000intro rateRequirements
Offer: SPECIAL RATE
Promotional rate · 5.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.75%APY$2,612 over 60 months 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.
4.67% interest rate · Effective Sep 23, 2026
Rate checked
More details - 4.40%APY$667 over 18 months 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: 18-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 - 4.35%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 - 4.35%APY$2,373 over 60 months on $10,000
Requirements
Product: Must be a member of On Tap Credit Union. Dividends compounded monthly, credited monthly. Early withdrawal penalties apply. Dividend withdrawal allowed. Additional deposits not permitted.
4.27% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - 4.30%APY$249 over 7 months 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 12-month term.
Offer: Limited-time special offer for new money only. Cannot be combined with Loyalty Rewards. At maturity renews into a standard 12-month term.
Promotional rate · Effective Sep 18, 2025
Rate checked
More details - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 84 branches
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
Offer: Renewal Only. Promotional rate.
Promotional rate · 0.01% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit (CD) Balance APY Up to $1,000 0.01% $1,000 and upYour amount 4.25% Rate checked
More details - 4.25%APY$498 over 14 months on $10,000intro rate
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: 14 Month Promo; $1,000 opening deposit required / $1,000,000 max.
Promotional rate · 4.19% interest rate · Balance cap $1,000,000 · Effective Oct 1, 2026
Rate checked
More details - 4.25%APY$534 over 15 months on $10,000
Requirements
Product: Membership eligibility required. $5 membership share savings account and one-time $5 fee. Minimum deposit $500. Monthly compounded dividends. Early withdrawal penalties apply (90 days dividends for terms 6 months or less; 180 days dividends for terms 12 months or longer).
Offer: Limited-time offer.
Rate checked
More details - 4.25%APY$534 over 15 months on $10,000intro rate
Requirements
Product: Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. For new customers, requires at least $500 new money. For existing customers, requires at least $500 of which $0.75 of every $1.00 is new money.
Offer: Balances under $100k. Requires $500 minimum new money deposit for new customers, or $0.75 per $1.00 new money for existing customers.
Promotional rate · 4.24% interest rate · Balance cap $99,999.99 · Effective Oct 5, 2026
Rate checked
More details - Canvas Credit UnionCertificates of Deposit (CDs)CD · 21 months · $1,000 min
Credit union · 22 branches
4.25%APY$756 over 21 months on $10,000intro rateRequirements
Product: Canvas Credit Union membership required. Minimum $1,000 to open and $1,000 minimum balance to earn interest. Dividends credited and compounded monthly.
Offer: Limited time offer; promo CD.
Promotional rate · Compounded monthly
Rate checked
More details - Metrum Community Credit UnionCertificate of DepositCD · 24 months · $500 min · 4.25%–4.35% by balance
Credit union · 1 branch
4.25%APY$868 over 24 months 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 4.25% $100,000 and up 4.35% Rate checked
More details - Blue Federal Credit UnionMarket Index Term ShareCD · 24 months · $1,000 min
Credit union · 3 branches
4.25%APY$868 over 24 months on $10,000Requirements
Product: Variable rate based on WSJ Prime minus 2.75% with a floor rate of 1.00%. 24-month term share certificate. Deposits range from $1,000 minimum to $5,000,000 maximum. Dividends compounded and credited monthly. Early withdrawal penalty equal to 730 days of dividends. Membership required.
Offer: Variable rate based on WSJ Prime minus 2.75% with a floor rate of 1.00%. Rates up to 4.25% APY. Dividends compounded and credited monthly. Penalty equal to 730 days of dividends if withdrawn before maturity. Membership required.
Balance cap $5,000,000
Rate checked
More details - Wings Credit UnionStandard Certificate of DepositCD · 84 months · $500 min
Credit union · 24 branches
4.25%APY$3,382 over 84 months on $10,000Requirements
Product: Membership required. $500 minimum deposit. Early withdrawal penalty may apply. Automatically renews at current non-promotional rate upon maturity.
4.17% interest rate · Effective Oct 15, 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 Denver, CO metro
665 CDs at 63 banks and credit unions · checked Oct 15–22
- Typical
- 3.20%
- Top 10% from
- 4.00%
- Banks, typical
- 1.71%
- Credit unions, typical
- 3.50%
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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