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 1–13 results in Montrose, CO metro
- 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
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More details - NuVista Credit UnionShare CertificateCD · 6 months · $500 min · 3.55%–3.80% by balance
Credit union · 1 branch
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 - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
Rate checked
More details - 3.20%APY$1,706 over 60 months on $10,000
Requirements
Product: Dividends are compounded monthly and paid monthly. Dividend rates are fixed for the term of the account. Substantial penalty for early withdrawal of certificates. Early withdrawal will reduce earnings. Additional deposits to certificate account will not be accepted. Dividends are not paid after maturity. Certificate accounts will not automatically renew, but will transferred to member's #1 share account at maturity unless member requests renewal at current rate. Early withdrawal penalty may reduce principal deposit.
3.15% interest rate · Compounded monthly · Effective Aug 3, 2026
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More details - 3.05%APY$75 over 3 months on $10,000
Requirements
Product: For CDs from $1,000 up to and including $99,999. Fixed interest rate, compounded daily. Online account opening requires minimum 3 month term and deposit less than $100,000 funded via existing Zions Bank account or wire transfer. Early withdrawal penalties apply.
Offer: Term 3 MONTHS. Fixed rate. Rates displayed for Idaho and Utah.
3.00% interest rate · Compounded daily · Balance cap $99,999 · Effective Oct 3, 2026
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More details - 3.00%APY$1,564 over 59 months on $10,000
Requirements
Product: Rates for ZIP code 60606. Early withdrawal penalties may apply. Account must be opened online, by phone, or at a financial center. For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding. CDs opened online cannot be for an IRA.
Effective Sep 17, 2026
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More details - NBH BankFixed Rate 15 Month Time Deposit (Online Account Opening)CD · 15 months · $500 min
Bank · 1 branch
2.76%APY$346 over 15 months on $10,000Requirements
Product: Online Account Opening schedule for 15 Month Certificate of Deposit Time Account.
Offer: Must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield. Interest compounded annually and credited annually and at maturity.
2.75% interest rate · Compounded annually
Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 1 branch
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% Rate checked
More details - 1.46%APY$146 over 1 year on $10,000
Requirements
Product: Personal and Business. Additional deposits only at maturity. A penalty will be imposed for early withdrawal.
Offer: Early withdrawal penalty is 90 days interest. Additional deposits only at maturity.
1.45% interest rate · Effective Jan 30, 2026
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More details - 0.85%APY$171 over 24 months on $10,000
Requirements
Product: Personal and Business. Allows additional deposits any time during the life of the CD; rates change with the market. A penalty will be imposed for early withdrawal.
Offer: Allows additional deposits any time during the life of the CD. Early withdrawal penalty is 90 days interest.
0.85% interest rate · Effective Jan 30, 2026
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More details - 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · Effective Oct 6, 2026
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More details - 0.35%APY$82 over 28 months on $10,000blended over a stepped scheduleintro rate
Requirements
Offer: Step period 1 (months 1-7)
Promotional rate · 0.05% interest rate · Effective Oct 6, 2026
Rate schedule
Rate schedule for Step Up CD Period APY Step period 1 (months 1-7) 0.05% Step period 2 (months 8-14) 0.25% Step period 3 (months 15-21) 0.45% Step period 4 (months 22-28) 0.65% Rate checked
More details - 0.25%APY$126 over 60 months on $10,000
0.25% interest rate · Effective Oct 6, 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 Montrose, CO metro
82 CDs at 8 banks and credit unions · checked Oct 4–22
- Typical
- 1.63%
- Top 10% from
- 3.48%
- Banks, typical
- 1.02%
- Credit unions, typical
- 2.73%
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Montrose, CO metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- San Juan Mountains CUCredit union · 1 branch