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 91–105 results in Colorado
- 3.75%APY$568 over 18 months on $10,000
Requirements
Product: Interest rate is fixed for the full term and earned on the entire balance. Interest compounds quarterly for terms of 12 months and longer; shorter terms pay at maturity. Early withdrawal penalty applies: 7-91 days: 60 days loss of interest; 92-182 days: 182 days loss of interest; 183 to <60 months: 1 year loss of interest; 60 months: 2 years loss of interest.
Offer: 18-Month term.
Rate checked
More details - 3.75%APY$1,168 over 36 months on $10,000
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.
3.69% interest rate · Effective Oct 15, 2026
Rate checked
More details - 3.70%APY$91 over 3 months on $10,000
Requirements
Product: Ability to add to principal (Personal CDs only). Penalty may be imposed for early withdrawal. No monthly service or maintenance fees.
3.63% interest rate
Rate checked
More details - The District Credit Union65th Anniversary CD SpecialCD · 7 months · $500 min
Credit union · 2 branches
3.70%APY$214 over 7 months on $10,000intro rateRequirements
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.
Promotional rate · Effective Sep 1, 2026
Rate checked
More details - 3.65%APY$181 over 6 months on $10,000
Requirements
Product: Dividends may be withdrawn at member's request. Early withdrawal penalties apply. No setup or maintenance fees.
3.59% interest rate · Effective Jan 2, 2026
Rate checked
More details - Foothills Credit UnionCertificate of Deposit (CD)CD · 6 months · $1,000 min
Credit union · 3 branches
3.65%APY$181 over 6 months on $10,000Requirements
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.
3.60% interest rate · Effective Dec 19, 2025
Rate checked
More details - Rio Grande Federal Credit UnionCertificate of DepositCD · 12 months · $500 min · 1.80%–3.65% by balance
Credit union · 1 branch
3.65%APY$365 over 1 year on $10,000Requirements
Product: Annual Percentage Yield calculation based on quarterly compounding. Dividends paid quarterly, early withdrawal penalties apply to all certificates. Minimum deposit to open and to maintain to earn interest is $500.00. Rates are subject to change without notice.
1.79% interest rate
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $500 and up 1.80% $10,000 and upYour amount 3.65% Rate checked
More details - Credit Union of ColoradoTraditional Certificate of Deposit (CD)CD · 12 months · $500 min · 3.51%–3.80% by balance
Credit union · 19 branches
3.60%APY$360 over 1 year on $10,000Requirements
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.
3.46% interest rate · Compounded quarterly · Effective Oct 6, 2026
Rate by balance
Rate by balance for Traditional Certificate of Deposit (CD) Balance APY $500 and up 3.51% $10,000 and upYour amount 3.60% $25,000 and up 3.70% $100,000 and up 3.80% Rate checked
More details - Together Credit UnionMember Merits (Gold) Certificate of DepositCD · 12 months · $1,000 min
Credit union · 1 branch
3.60%APY$360 over 1 year on $10,000with conditionsRequirements
Product: Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on average daily balance. Early withdrawal penalties apply.
Qualified rate · 3.54% interest rate · Compounded monthly
Rate checked
More details - Credit Union of the RockiesFirst Tracks Certificate of DepositCD · 12 months · $250 min
Credit union · 3 branches
3.60%APY$360 over 1 year on $10,000intro rateRequirements
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.
Promotional rate · 3.55% interest rate · Effective Jan 1, 2026
Rate checked
More details - 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 - 3.58%APY$358 over 1 year on $10,000
Requirements
Product: $100 minimum balance plus $25 in regular share account. Dividends are paid semi-annual from date of deposit. Interest penalty for early withdrawal. CDs with 12 months or greater term may make 2 additional deposits each calendar year.
Offer: CDs with 12 months or greater term may make 2 additional deposits each calendar year
3.55% interest rate
Rate checked
More details - NuVista Credit UnionShare CertificateCD · 6 months · $500 min · 3.55%–3.80% by balance
Credit union · 2 branches
3.55%APY$176 over 6 months on $10,000Requirements
Product: Dividends compound daily and are paid monthly. Insured up to $250,000 by NCUA. Penalty for early withdrawal: 12 months or less is 90 days of dividends, 13-35 months is 180 days of dividends, 36 months or longer is 365 days of dividends.
3.49% interest rate · Effective Jun 15, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $500 and upYour amount 3.55% $50,000 and up 3.80% Rate checked
More details - 3.55%APY$176 over 6 months on $10,000
Requirements
Product: Membership required. Share Certificates may be added to in $100 increments up to an additional $5,000 during the term of the certificate. Early withdrawal penalty applies (90 days dividends for maturity <= 12 months, 180 days dividends for maturity > 12 months).
3.40% interest rate · Effective Sep 1, 2026
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
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