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 Colorado
- 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 - Equitable Savings & Loan AssociationCertificate of DepositCD · 120 months · $500 min
Bank · 10 branches
3.98%APY$4,774 over 120 months on $10,000Requirements
Offer: Penalty: 3 MO+ early withdrawal penalty
3.90% interest rate
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 - 3.95%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 · 10 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 - 3.92%APY$194 over 6 months on $10,000
Requirements
Product: Special CD rates for GJFCU members.
3.85% interest rate · Effective Apr 2, 2025
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 - 3.85%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 - 3.82%APY$382 over 1 year on $10,000
Requirements
Product: Fixed rate and term ranging from 6 months to 5 years. All certificates have a $500.00 minimum balance requirement to open the account and obtain the Annual Percentage Yield.
3.75% interest rate
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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
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