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 16–30 results in Boulder, CO metro
- 4.00%APY$1,249 over 36 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal
Offer: A penalty may be imposed for early withdrawal
2.77% interest rate · Effective Oct 20, 2026
Rate by balance
Rate by balance for 36 Month CD Balance APY Up to $10,000 2.80% $10,000 and upYour amount 4.00% Rate checked
More details - 4.00%APY$1,699 over 48 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal
Offer: A penalty may be imposed for early withdrawal
2.77% interest rate · Effective Oct 20, 2026
Rate by balance
Rate by balance for 48 Month CD Balance APY Up to $10,000 2.80% $10,000 and upYour amount 4.00% Rate checked
More details - 4.00%APY$2,167 over 60 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal
Offer: A penalty may be imposed for early withdrawal
2.77% interest rate · Effective Oct 20, 2026
Rate by balance
Rate by balance for 60 Month CD Balance APY Up to $10,000 2.80% $10,000 and upYour amount 4.00% Rate checked
More details - 3.95%APY$598 over 18 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal
Offer: A penalty may be imposed for early withdrawal
2.72% interest rate · Effective Oct 20, 2026
Rate by balance
Rate by balance for 18 Month CD Balance APY Up to $10,000 2.75% $10,000 and upYour amount 3.95% Rate checked
More details - 3.95%APY$1,017 over 30 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal
Offer: A penalty may be imposed for early withdrawal
2.77% interest rate · Effective Oct 20, 2026
Rate by balance
Rate by balance for 30 Month CD Balance APY Up to $10,000 2.80% $10,000 and upYour amount 3.95% Rate checked
More details - Adams Bank & Trust30 Month Upgrade CDCD · 30 months · $2,500 min · 2.79%–3.93% by balance
Bank · 1 branch
3.93%APY$1,012 over 30 months on $10,000Requirements
Product: The interest rate and annual percentage yield may change after account opening. A penalty equal to 6 months interest may apply for early withdrawal. Allows upgrading the interest rate twice during the 30-month term. Additional deposits of at least $500 (not to exceed original principal or renewal value) may be made at the time of rate upgrade. Not available for Public Funds or Financial Institution Deposits.
Offer: The interest rate and annual percentage yield may change after account opening. Early withdrawal penalty equal to 6 months interest may apply. Option to upgrade interest rate twice during term with optional additional deposits of at least $500 at the time of upgrade.
2.77% interest rate · Effective Oct 20, 2026
Rate by balance
Rate by balance for 30 Month Upgrade CD Balance APY Up to $10,000 2.79% $10,000 and upYour amount 3.93% Rate checked
More details - 3.90%APY$2,108 over 60 months on $10,000
Requirements
Product: Minimum opening deposit is $1,000. Penalty may be imposed for early withdrawal. Maturities greater than one year pay interest at least annually.
Offer: 60 Month term. Penalty may be imposed for early withdrawal. Maturities greater than one year pay interest at least annually.
3.84% interest rate · Effective Oct 13, 2026
Rate checked
More details - 3.82%APY$382 over 1 year on $10,000
Requirements
Product: Fixed rate and term ranging from 6 months to 5 years. All certificates have a $500.00 minimum balance requirement to open the account and obtain the Annual Percentage Yield.
3.75% interest rate
Rate checked
More details - 3.75%APY$123 over 4 months on $10,000with conditions
Requirements
Product: No early withdrawal penalty when withdrawing total balance and interest earned beginning 7 days after funds have been received. No withdrawals permitted during first 6 days following receipt of funds. No partial withdrawals allowed. Auto-renews to 3-month certificate. Membership eligibility and one-time $5 membership fee required at account opening.
Offer: Available with active Summit Dividend Checking account (0.25% relationship rate boost) opened or renewed on same membership account. Not available on HSA, ESA or IRA CD. Auto-renews to 3 months.
Qualified rate · 3.70% interest rate · Effective Sep 1, 2026
Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - 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 - 3.70%APY$91 over 3 months on $10,000
Requirements
Product: Ability to add to principal (Personal CDs only). Penalty may be imposed for early withdrawal. No monthly service or maintenance fees.
3.63% interest rate
Rate checked
More details - 3.50%APY$173 over 6 months on $10,000
Requirements
Product: $500 minimum opening balance and minimum balance to earn APY. A penalty may be imposed for early withdrawal. Fees can reduce earnings. Fixed rate. Dividends compounded and credited monthly. Automatically renewable with a 10-day grace period.
3.45% interest rate · Effective Oct 1, 2026
Rate checked
More details - First Tech Federal Credit UnionTraditional Share CertificatesCD · 12 months · $500 min · 3.50%–3.75% by balance
Credit union · 1 branch
3.50%APY$350 over 1 year on $10,000Requirements
Product: No account set-up fees or maintenance fees. Fixed APY for the term. 10-day rate guarantee period.
3.44% interest rate · Effective Oct 2, 2026
Rate by balance
Rate by balance for Traditional Share Certificates Balance APY Up to $100,000Your amount 3.50% $100,000 and upJumbo tier. 3.75% 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
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 Boulder, CO metro
300 CDs at 23 banks and credit unions · checked Oct 4–22
- Typical
- 1.76%
- Top 10% from
- 3.95%
- Banks, typical
- 0.76%
- Credit unions, typical
- 3.25%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Boulder, CO metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Bellco Credit UnionCredit union · 1 branch
- UMB BankBank · 1 branch