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 1–15 results in Centennial, CO
- 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
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 6 branches
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
Offer: Renewal Only. Promotional rate.
Promotional rate · 0.01% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit (CD) Balance APY Up to $1,000 0.01% $1,000 and upYour amount 4.25% Rate checked
More details - 4.25%APY$534 over 15 months on $10,000intro rate
Requirements
Product: Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. For new customers, requires at least $500 new money. For existing customers, requires at least $500 of which $0.75 of every $1.00 is new money.
Offer: Balances under $100k. Requires $500 minimum new money deposit for new customers, or $0.75 per $1.00 new money for existing customers.
Promotional rate · 4.24% interest rate · Balance cap $99,999.99 · Effective Oct 5, 2026
Rate checked
More details - 4.25%APY$756 over 21 months on $10,000intro rate
Requirements
Product: Canvas Credit Union membership required. Minimum $1,000 to open and $1,000 minimum balance to earn interest. Dividends credited and compounded monthly.
Offer: Limited time offer; promo CD.
Promotional rate · Compounded monthly
Rate checked
More details - Metrum Community Credit UnionCertificate of DepositCD · 24 months · $500 min · 4.25%–4.35% by balance
Credit union · 1 branch
4.25%APY$868 over 24 months on $10,000Requirements
Product: Low minimum balance of $500 ($1,000 / $500 for under 18 cited on p29). Terms from 6 months to 5 years. Fixed term at a fixed rate. Interest is paid quarterly and calculated on average daily balance. Early withdrawal penalties apply: 3-11 month terms= 90 days interest penalty, 12 month terms or greater= 180 days interest penalty. Federally insured to at least $250,000 by NCUA.
Effective Oct 19, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $500 and upYour amount 4.25% $100,000 and up 4.35% Rate checked
More details - Credit Union of ColoradoPromotional Certificate of Deposit (CD)CD · 15 months · $500 min
Credit union · 1 branch
4.10%APY$515 over 15 months on $10,000intro rateRequirements
Product: This promotion may end at any time and applies to consumer accounts only. This promotion is only available for non-IRA CDs. Dividends compounded and credited quarterly. Early withdrawal penalty of 90 days dividends applies. 10-day grace period upon maturity.
Offer: Fixed term 15 Month. Promotional certificate available for non-IRA CDs only.
Promotional rate · 4.04% interest rate · Effective Oct 6, 2026
Rate checked
More details - Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance
Credit union · 1 branch
4.10%APY$621 over 18 months on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.10% $20,000 and up 4.10% $100,000 and up 4.15% Rate checked
More details - 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
Offer: You can add money any time until maturity. No maximum balance.
3.92% interest rate · Effective Oct 22, 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 - Commerce Bank18 Month Promotional CDCD · 18 months · $1,000 min · 0.03%–3.85% by balance
Bank · 1 branch
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 - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - Commerce Bank11 Month Promotional CDCD · 11 months · $2,500 min · 0.02%–3.75% by balance
Bank · 1 branch
3.75%APY$343 over 11 months on $10,000intro rateRequirements
Product: Rates are subject to change. Applied location: ZIP 64106.
Promotional rate
Rate by balance
Rate by balance for 11 Month Promotional CD Balance APY Up to $9,998 0.02% $9,999 – $24,998Your amount 3.75% $24,999 – $49,998 3.75% $49,999 and up 3.75% Rate checked
More details - 3.75%APY$375 over 1 year on $10,000with conditions
Requirements
Product: Qualify for Relationship Rewards interest rates when paired with a Key Advantage Checking ® , Key Privilege Checking ® , Key Privilege Select Checking ® , Key Select Checking ® , Key Private Client ® Checking , Key Private Bank Checking ® , or Key Private Bank Personal Checking Account.
Offer: Promotional Rate accurate as of September 26, 2026, 12-month Tiered CD with Relationship Rewards up to $99,999.99. Minimum opening deposit $2,500. Compounded daily. Early withdrawal penalties may apply.
Qualified rate · Compounded daily · Balance cap $99,999.99 · Effective Sep 26, 2026
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 · 1 branch
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
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 Centennial, CO
245 CDs at 17 banks and credit unions · checked Oct 4–22
- Typical
- 2.00%
- Top 10% from
- 3.90%
- Banks, typical
- 0.23%
- Credit unions, typical
- 3.50%
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Denver, CO metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Colorado Federal BankBank · 1 branch
- Canvas Credit UnionCredit union · 22 branches
- Bellco Credit UnionCredit union · 21 branches