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 31–45 results in Denver, CO metro
- 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
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 - 4.00%APY$434 over 13 months on $10,000intro rate
Requirements
Product: After maturity, if renewed, the 13-month and 17-month CDs automatically revert to a 12-month Traditional CD earning the base rate in effect. Early withdrawal penalties may apply. Membership eligibility applies.
Offer: Minimum balance to earn APY is $500. Automatically reverts to a 12-month Traditional CD at maturity upon renewal.
Promotional rate · 3.93% interest rate · Effective Oct 3, 2026
Rate checked
More details - United Business BankU Matter Account Specials Certificate of DepositCD · 24 months · $5,000 min
Bank · 1 branch
4.00%APY$816 over 24 months on $10,000intro rateRequirements
Product: Available on new money only. The promotion may end at any time at the Bank's sole discretion without prior notification. Penalty for early withdrawal. Minimum deposit $5,000, maximum deposit $10,000,000.
Offer: 2-Year Term. Option to close or withdraw within the 10-day grace period one year after account opening date. Option to make an additional deposit within the 10-day grace period one year after account opening date (maximum principal balance allowed is $10,000,000). Option to request to increase (bump up) interest rate once within the first year and then again once within the second year, limited to rate in effect if current 2 Year CD rate exceeds current account rate.
Promotional rate · Balance cap $10,000,000 · Effective Jul 23, 2026
Rate checked
More details - Colorado Credit UnionCertificates of DepositCD · 48 months · $500 min · 4.00%–4.10% by balance
Credit union · 3 branches
4.00%APY$1,699 over 48 months on $10,000Requirements
Product: Penalty may be imposed for early withdrawal, and fees may reduce earnings on the account. Membership required.
Offer: Penalty may be imposed for early withdrawal, and fees may reduce earnings on the account.
Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $500 – $100,000Your amount 4.00% $100,000 and up 4.10% Rate checked
More details - Denver Fire Department Federal Credit UnionShare CertificateCD · 60 months · $500 min
Credit union · 2 branches
4.00%APY$2,167 over 60 months on $10,000Requirements
Product: Requires DFDFCU membership (purchase and maintain 1 share, par value $25.00). Fixed rate; dividends paid and compounded monthly. All Certificates of Deposit have a $500 minimum balance requirement. Share certificates auto-renew upon opening with a 5-day grace period. Early withdrawal penalty is 90 days' dividends.
3.93% interest rate · Compounded monthly · Effective Oct 5, 2026
Rate checked
More details - 3.98%APY$197 over 6 months on $10,000
Requirements
Product: Membership eligibility required. Dividends are compounded daily and credited monthly. APY and Dividend Rates are fixed until maturity after issuance. Early withdrawal penalties apply (90 days interest for terms 12 months or less, 180 days interest for terms greater than 12 months).
3.90% interest rate · Compounded daily · Effective Oct 1, 2026
Rate checked
More details - 3.97%APY$810 over 24 months on $10,000
Requirements
Product: A penalty will or may be imposed for early withdrawal. If minimum balance requirements are not met, fees could reduce the earnings on these accounts.
3.90% interest rate · Effective Oct 16, 2026
Rate checked
More details - 3.95%APY$196 over 6 months on $10,000
Requirements
Product: Early withdrawal penalty may apply: 90 days dividends for terms of 1 year or less, 180 days dividends for terms longer than 1 year. Membership eligibility required. Federally insured by NCUA.
Offer: Early withdrawal penalty: 90 days dividends.
Effective Sep 21, 2026
Rate checked
More details - 3.95%APY$361 over 11 months on $10,000
Requirements
Product: Withdrawals are permitted penalty-free starting 7 days after funding. No withdrawals of principal permitted during the first 7 days. Accounts available for individuals only. No monthly maintenance fee, ACH fee or online account fee.
Offer: No early withdrawal penalty after a 7-day period starting on the day of funding. Maximum deposit is none.
3.87% interest rate · Effective May 6, 2026
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 - 3.85%APY
Requirements
Product: Membership eligibility applies. Fees or withdrawals may reduce earnings. APY and interest rates may change after account opening.
Offer: Compounded monthly.
3.78% interest rate · Compounded monthly · Effective Oct 9, 2026
Rate checked
More details - 3.85%APY$191 over 6 months on $10,000
Requirements
Product: Dividends compounded daily and credited quarterly. Additional deposits are not allowed on Share Certificates. Early withdrawal penalty is 180 days.
3.78% interest rate · Compounded daily
Rate checked
More details - Commerce Bank18 Month Promotional CDCD · 18 months · $1,000 min · 0.03%–3.85% by balance
Bank · 3 branches
3.85%APY$583 over 18 months on $10,000intro rateRequirements
Product: Rates are subject to change. Applied location: ZIP 64106.
Promotional rate
Rate by balance
Rate by balance for 18 Month Promotional CD Balance APY Up to $9,998 0.03% $9,999 – $24,998Your amount 3.85% $24,999 – $49,998 3.85% $49,999 and up 3.85% Rate checked
More details - 3.80%APY$157 over 5 months on $10,000intro rate
Requirements
Product: Rates effective as of March 1st, 2026. Fees may reduce earnings. May have a penalty for early withdrawal.
Offer: Add-on feature. Minimum deposit of $1,000; minimum balance $1,000 to pay dividends.
Promotional rate · 3.74% interest rate · Effective Mar 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 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