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 46–60 results in Colorado
- 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
Offer: You can add money any time until maturity. No maximum balance.
3.92% interest rate · Effective Oct 22, 2026
Rate checked
More details - 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 - 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 - 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 - 4.00%APY$710 over 21 months on $10,000intro rate
Requirements
Product: Offer available from 9/29/26 through 10/30/26. Early withdrawal penalties may apply and may reduce earnings. CD will automatically renew at maturity for a 24-month term at the rate then in effect. Fees may reduce earnings. Minimum balance to open account is $500. Minimum balance required to earn APY is $500. Other terms and conditions may apply.
Offer: Offer available from 9/29/26 through 10/30/26. Early withdrawal penalties may apply and may reduce earnings. CD will automatically renew at maturity for a 24-month term at the rate then in effect. Fees may reduce earnings. Minimum balance required to earn APY is $500. Other terms and conditions may apply.
Promotional rate · Effective Sep 29, 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 - United Business BankU Matter Account Specials Certificate of DepositCD · 24 months · $5,000 min
Bank · 11 branches
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 - 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 - 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 - 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 - 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 - Weld Community Credit UnionRegular Certificates of DepositCD · 60 months · $500 min
Credit union · 1 branch
4.00%APY$2,167 over 60 months on $10,000Requirements
Product: Maximum total CD Deposit: $500,000 per person. Penalty for early withdrawal may be imposed.
Offer: Maximum total CD Deposit: $500,000 per person.
3.92% interest rate · Effective Oct 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 Colorado
1,024 CDs at 108 banks and credit unions · checked Oct 15–22
- Typical
- 3.20%
- Top 10% from
- 4.00%
- Banks, typical
- 2.25%
- Credit unions, typical
- 3.45%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Colorado
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Colorado Federal BankBank · 1 branch
- Altra Federal Credit UnionCredit union · 1 branch
- Canvas Credit UnionCredit union · 36 branches