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 61–75 results in Denver, CO metro
- 3.60%APY$733 over 24 months on $10,000
Requirements
Product: Exclusively for balances of $100,000.00 and greater. Early withdrawal penalties apply. Federally insured by NCUA.
Effective Feb 2, 2026
Rate by balance
Rate by balance for Jumbo Share Certificates Balance APY Any balanceYour amount 3.60% $100,000 and upEarly withdrawal penalty: 180 days dividends. 3.65% Rate checked
More details - 3.55%APY$355 over 1 year on $10,000
Requirements
Product: 12 month term. Additional funds can be added at any time during the term. Maximum value is $25,000. Dividends credited quarterly. Early withdrawal penalty is 90 days of interest.
Offer: Can add additional funds at any time during the term. Maximum value is $25,000.
3.50% interest rate · Balance cap $25,000 · Effective Dec 19, 2025
Rate checked
More details - SPACE AGEShare CertificateCD · 3–6 months · $500 min · 3.40%–3.56% by balance
Credit union · 2 branches
3.51%APYRequirements
Product: Dividends are compounded and paid monthly and at maturity. Early withdrawal penalty applies (30 days dividends for terms less than a year, 90 days dividends for terms of 1 or more years). Account automatically renews at maturity. Opening minimum $500.
3.35% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $500 and up 3.40% $1,000 and up 3.40% $5,000 and up 3.45% $10,000 and upYour amount 3.51% $50,000 and up 3.56% Rate checked
More details - Red Rocks Credit UnionCertificate of DepositCD · 6 months · $500 min · 3.50%–3.60% by balance
Credit union · 2 branches
3.50%APY$173 over 6 months on $10,000Requirements
Product: Membership required. $500 minimum for all terms. Penalty imposed for early withdrawals. Fees may reduce earnings. Unless withdrawn or transferred at maturity or within 10 calendar day grace period, account automatically renews to a certificate with the same term at non-relationship rate available at that time. To open a CD of over $50,000, call 303.471.7625.
Offer: CD Balances up to $99,999. $500 minimum on all terms. Penalty imposed for early withdrawals. Fees may reduce earnings. Automatically renews at maturity to non-relationship rate unless withdrawn within 10 calendar day grace period.
3.45% interest rate · Effective Sep 23, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $99,999Your amount 3.50% $100,000 and up 3.60% 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 - 3.50%APY$173 over 6 months on $10,000
Requirements
Product: Rates effective as of March 1st, 2026. Fees may reduce earnings. May have a penalty for early withdrawal. Terms ranging from 6 months to 5 years.
Offer: Add-on feature. Minimum balance $100 to pay dividends.
3.45% interest rate · Effective Mar 1, 2026
Rate checked
More details - 3.50%APY$173 over 6 months on $10,000
Requirements
Product: Minimum opening deposit / balance of $10,000 required. Penalty may be imposed for early withdrawal.
Offer: Penalty may be imposed for early withdrawal.
3.45% interest rate
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 - 3.45%APY$171 over 6 months on $10,000
Requirements
Product: Minimum opening deposit of $500 required. Penalty may be imposed for early withdrawal.
Offer: Penalty may be imposed for early withdrawal.
3.40% interest rate
Rate checked
More details - 3.40%APY$169 over 6 months on $10,000
Requirements
Product: No monthly service charge. CDs are subject to early withdrawal penalties which may reduce earnings.
Offer: For renewing CDs (or depositing maturing CD balance). Early withdrawal penalty may be imposed.
3.35% interest rate
Rate checked
More details - Climb Credit Union22 Month Share Certificate BUMP-UPCD · 22 months · $2,500 min · 3.40%–3.50% by balance
Credit union · 5 branches
3.40%APY$632 over 22 months on $10,000Requirements
Product: Membership eligibility required. Fixed rate. Additional deposits allowed (up to three deposits). You may request to make a one-time withdrawal of up to half of the amount in the CD, up to three deposits, and one rate change to the current rate being offered at that time during the account term with no penalty. The remaining balance in the account must be at least $2,500. Automatic renewal with 10 day grace period. Early withdrawal penalty is 90 days dividends.
3.35% interest rate · Effective Mar 1, 2026
Rate by balance
Rate by balance for 22 Month Share Certificate BUMP-UP Balance APY $2,500 – $50,000Your amount 3.40% $50,000 and up 3.50% 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 - 3.30%APY$164 over 6 months on $10,000
Requirements
Product: Additional deposits of $50.00 or greater are allowed on 90 day and 6 month Add-on Certificates only. Dividends credited and compounded quarterly. Early withdrawal penalty applies.
Offer: Fixed term 6 Month Add-on Certificate.
3.26% interest rate · Compounded quarterly · Effective Oct 6, 2026
Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - Elevations Credit UnionStandard Certificates of DepositCD · 6 months · $500 min
Credit union · 1 branch
3.25%APY$161 over 6 months on $10,000with conditionsRequirements
Product: Membership eligibility and one-time $5 membership fee required at account opening. Early withdrawal penalty applies: 30 days of dividends for terms 6 months or less; 180 days of dividends for terms 7 months or more.
Offer: Highest APY includes 0.25% APR rate boost for members with an active Summit Dividend Checking account opened or renewed on the same membership account.
Qualified rate · 3.21% interest rate · Effective Feb 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