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 Denver, CO metro
- 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 - 4.14%APY$102 over 3 months on $10,000
Requirements
Product: Interest earned is payable by compounding, check, or transferring to an existing FirsTier account. A penalty may be imposed for early withdrawal. Automatically renews to a fixed rate CD of equivalent term.
4.06% interest rate · Effective Sep 21, 2026
Rate checked
More details - 4.11%APY$307 over 9 months on $10,000intro rate
Requirements
Product: Available for consumer accounts only. Membership required. Automatically renews at the rate offered upon renewal. Early withdrawal penalties apply. Standard term lengths range from 6 months to 60 months, but non-promotional terms require entering a ZIP code to view rates.
Offer: Limited time offer. Consumer accounts only. Membership required. Automatically renews at the rate offered upon renewal. Early withdrawal penalties apply.
Promotional rate · Effective Oct 3, 2026
Rate checked
More details - 4.10%APY$169 over 5 months on $10,000intro rate
Requirements
Product: Rate based on ZIP code 43215. Minimum opening deposit is $1,000. For accounts less than $100,000. Early withdrawal penalty applies. Not valid with other offers, no rate exceptions. Not available for brokers, agents, public entities, or financial institutions.
Offer: Promotional rate. Account balance less than $100,000. Early withdrawal penalty applies.
Promotional rate · 4.02% interest rate · Effective Oct 16, 2026
Rate checked
More details - Credit Union of ColoradoPromotional Certificate of Deposit (CD)CD · 15 months · $500 min
Credit union · 12 branches
4.10%APY$515 over 15 months on $10,000intro rateRequirements
Product: This promotion may end at any time and applies to consumer accounts only. This promotion is only available for non-IRA CDs. Dividends compounded and credited quarterly. Early withdrawal penalty of 90 days dividends applies. 10-day grace period upon maturity.
Offer: Fixed term 15 Month. Promotional certificate available for non-IRA CDs only.
Promotional rate · 4.04% interest rate · Effective Oct 6, 2026
Rate checked
More details - 4.10%APY$586 over 17 months on $10,000intro rate
Requirements
Product: Limited-time promotional special rate. Membership required. $500 minimum deposit for Standard Certificates of Deposit. Automatically renews at the current non-promotional rate upon maturity.
Offer: Limited time offer. Accurate as of 9/1/2026.
Promotional rate · 4.03% interest rate · Effective Sep 1, 2026
Rate checked
More details - Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance
Credit union · 3 branches
4.10%APY$621 over 18 months on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.10% $20,000 and up 4.10% $100,000 and up 4.15% Rate checked
More details - 4.10%APY$621 over 18 months on $10,000intro rate
Requirements
Product: Standard Term CDs will automatically renew on the maturity date. Unless the original is a CD Special, each renewal term will be the same as the original one. If the original CD term is less than 1 year and not a CD Special, additional deposits can be made. CD specials renew at the closest lower non-CD Special term. Penalties apply for early withdrawal. Fees may reduce earnings.
Offer: 18 Months Special. Limited time offer. Renews at closest lower non-CD Special term.
Promotional rate · 4.04% interest rate · Effective Sep 15, 2026
Rate checked
More details - 4.10%APY$2,225 over 60 months on $10,000
Requirements
Product: Minimum balance to open and earn is $500. Compounds monthly. Advantage Members can receive a +0.25% rate boost and Premier Advantage Members can receive a +0.50% rate boost on new certificates.
Offer: Premier Advantage APY with +0.50% rate boost. Early withdrawal penalty is 180 days interest.
Effective Oct 20, 2026
Rate checked
More details - 4.10%APY$2,225 over 60 months on $10,000
Requirements
Product: Open with as little as $500. Early withdrawal penalties may apply. Rates apply to consumer accounts only. Membership eligibility required.
Offer: Minimum balance to earn APY is $500.
4.02% interest rate · Effective Oct 3, 2026
Rate checked
More details - Partner Colorado Credit UnionRegular Certificate of Deposit (CD)CD · 60 months · $500 min
Credit union · 4 branches
4.05%APY$2,196 over 60 months on $10,000intro rateRequirements
Product: CD earning rates are fixed. A penalty will be imposed for early withdrawal (90 days interest for terms <= 12 months, 180 days interest for terms > 12 months).
Offer: Early withdrawal penalty is 180 days of interest.
Promotional rate · 3.98% interest rate · Effective Oct 1, 2026
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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$165 over 5 months on $10,000intro rate
Requirements
Product: Minimum opening deposit $5,000, maximum $250,000. Must be funded via ACH transfer from an external bank account. Funds must be new money, not on deposit with First Citizens within the past 90 days. Must be opened by an individual residing in a state where a First Citizens branch exists. Not available as an IRA.
Offer: Earn up to 4.00% APY on a 5-month CD.
Promotional rate
Rate checked
More details - Meritrust Credit Union – Colorado10 Month CertificateCD · 10 months · $500 min
Credit union · 9 branches
4.00%APY$332 over 10 months on $10,000intro rateRequirements
Product: Minimum balance to open of $500. Not available for IRA or Retirement accounts. Early withdrawal penalties may apply. Fees could reduce earnings. Fixed rate.
Offer: Limited time offer. Not available for IRA or Retirement accounts. Early withdrawal penalties may apply. Fees could reduce earnings.
Promotional rate · 3.93% interest rate · Effective Jun 18, 2026
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
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%
Is your bank paying you enough?
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