Best CD rates and certificates

Requirements

Product: Membership eligibility required. Fixed rate. Automatic renewal with 10 day grace period. Early withdrawal penalty applies (90 days dividends). Additional deposits not allowed.

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.

Requirements

Product: A minimum balance of $500.00 is required to open and earn dividends on Certificate Accounts or an IRA Certificate. Early withdrawal penalties may apply. Dividends begin accruing when account opening documentation has been completed (signed and received by AACU) and account has been funded.

Offer: Early withdrawal penalties may apply.

Requirements

Product: No limit on maximum deposit. Ability to withdraw full balance after funding. No early withdrawal penalty fee. Certificate Special valid from 12/1/2025 through 12/31/2025. Credit Union promotional rates, terms, and conditions are subject to change at any time without notice.

Offer: No early withdrawal penalty fee. Ability to withdraw full balance after funding. Certificate Special valid from 12/1/2025 through 12/31/2025.

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.

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.

Requirements

Product: Rates are subject to change. Applied location: ZIP 64106.

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.

Requirements

Product: Minimum deposit $1,000. Allows member to change the dividend rate once during the term to the current Flex Certificate Rate, add to the certificate once within the first year (minimum $1,000 additional deposit), and make a one-time withdrawal of up to 50% of the current balance without penalty.

Requirements

Product: Ability to add to principal (Personal CDs only). Penalty may be imposed for early withdrawal. No monthly service or maintenance fees.

Requirements

Product: Limited-time anniversary offer. Membership eligibility required. Early withdrawal penalties apply and may reduce earnings. Upon maturity, funds generally roll over into share savings account.

Offer: Applies to new 7-month term certificates only. Open to new and existing members.

Requirements

Product: Dividends may be withdrawn at member's request. Early withdrawal penalties apply. No setup or maintenance fees.

Requirements

Product: Dividends are compounded and paid quarterly. Fixed rate at a fixed term. Automatic renewal at maturity for the same term at the current market rate. Early withdrawal penalty is 90 days worth of interest.

Requirements

Product: Open with $500. Automatic renewal upon maturity with a 10-day grace period. Early withdrawal penalty applies. Dividends credited and compounded quarterly.

Offer: Fixed term 1 Year.

Requirements

Product: Eligible members include new members or existing members who have not previously opened a certificate of deposit with Credit Union of the Rockies. After 12-month term, auto-renews at the traditional 12-month CD rate offered at that time. Always offers the highest rate available at the time it is opened. Early withdrawal penalty may apply.

Offer: Available to new or existing members who have not opened a CD with Credit Union of the Rockies before. Auto-renews at the traditional 12-month CD rate at maturity.