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 Fort Collins, CO metro
- Meritrust Credit Union – Colorado10 Month CertificateCD · 10 months · $500 min
Credit union · 1 branch
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
Product: A penalty may be imposed for early withdrawal
Offer: A penalty may be imposed for early withdrawal
2.87% interest rate · Effective Oct 20, 2026
Rate by balance
Rate by balance for 12 Month CD Balance APY Up to $10,000 2.90% $10,000 and upYour amount 4.00% Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Tiered rates based on minimum deposit. Early withdrawal penalty applies (90, 120, or 180 days of earned interest depending on term). No additional deposits allowed during term.
Effective Oct 15, 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 - 4.00%APY$816 over 24 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 24 Month CD Balance APY Up to $10,000 2.75% $10,000 and upYour amount 4.00% Rate checked
More details - 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 - 3.98%APY$4,774 over 120 months on $10,000
Requirements
Offer: Penalty: 3 MO+ early withdrawal penalty
3.90% interest rate
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 · 3 branches
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$490 over 15 months on $10,000
Requirements
Product: Offers a guaranteed annual percentage yield with the flexibility of penalty free withdrawals. Withdrawals made during the 6 days after opening or 6 days after each subsequent withdrawal will be assessed a penalty, which may reduce earnings. APY based on quarterly compounding.
Effective Oct 13, 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 - 3.75%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
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 Fort Collins, CO metro
373 CDs at 28 banks and credit unions · checked Oct 15–22
- Typical
- 3.00%
- Top 10% from
- 4.00%
- Banks, typical
- 1.31%
- Credit unions, typical
- 3.40%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Fort Collins, CO metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Canvas Credit UnionCredit union · 6 branches
- Bellco Credit UnionCredit union · 1 branch
- Union Bank & TrustBank · 1 branch