Compare Bank & Credit Union Rates
Best savings rates in Centennial, CO
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Centennial, CO
- UMB BankUMB Retail Money MarketUMB Retail Money Market · $0 min · 0.10%–3.71% by balance
Bank · 2 branches
3.71%APY$371 a year on $10,000Requirements
Product: Interest rates and annual percentage yields (APYs) listed are for accounts opened online. Interest paid on tiered balances; debit card access; monthly service fee waiver option.
Offer: Tier I
0.10% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for UMB Retail Money Market Balance APY Up to $10,000 0.10% $10,000 – $25,000Your amountTier II 3.71% $25,000 – $50,000Tier III 3.71% $50,000 – $75,000Tier IV 3.71% $75,000 – $100,000Tier V 3.71% $100,000 – $1,000,000Tier VI 3.71% $1,000,000 and upTier VII 3.71% Rate checked
More details - Meritrust Credit Union – ColoradoPremium High Yield Savings AccountSavings · $5,000 min
Credit union · 1 branch
3.50%APY$350 a year on $10,000with conditionsRequirements
Product: Exclusive to members with Premium Perks Checking accounts. The Premium High Yield Savings Account must be titled under the same tax reported owner as the Premium Perks Checking Account. If you close your Premium Perks Checking Account or change to a different checking account type, the savings account will be closed.
Offer: $5,000.00 minimum balance to open and to earn the advertised APY. Requires open Premium Perks Checking Account.
Qualified rate · 3.45% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - Credit Union of ColoradoEveryday Account w/High-Yield SavingsSavings · $500 min
Credit union · 1 branch
3.30%APY$330 a year on $10,000with conditionsRequirements
Product: Must be enrolled in digital banking and maintain an Everyday Account or Everyday Account w/ Interest in good standing receiving a monthly external digital deposit totaling at least $500. Limit 1 per primary membership. Consumer accounts only (business, youth, and trust accounts not eligible). Account allows no more than 3 withdrawals per calendar month. $10 monthly fee applies if opened greater than 60 days and fails to meet requirements ($500 daily minimum balance, $500 monthly external deposit, or eStatements enrollment). Account subject to closure if not funded within 60 days.
Offer: Rate applies to savings account only on days when balance is between $500 and $25,000. Amounts over $25,000 do not earn interest. Requires maintaining a minimum daily balance of $500, receiving monthly external electronic deposit of at least $500 into Everyday Checking Account, and enrollment in eStatements to avoid $10 monthly fee. Dividends credited monthly.
Qualified rate · 3.25% interest rate · Balance cap $25,000 · $10 monthly fee · Effective Oct 1, 2026
Rate checked
More details - Canvas Credit UnionHigh Yield Money Market AccountHigh Yield Money Market Account · $0 min · 1.00%–3.00% by balance
Credit union · 1 branch
3.00%APY$300 a year on $10,000Requirements
Product: Tiered rate account where the interest rate for a particular tier applies to the entire account balance if within the balance range. Interest compounded and credited monthly.
Offer: Tier rate applies to entire balance. Interest compounded and credited monthly.
1.00% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for High Yield Money Market Account Balance APY Up to $1,000 1.00% $1,000 and upYour amount 3.00% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Opening deposit of at least $25 required. Monthly maintenance fee of $5 is waived for owners of a U.S. Bank Smartly Checking account, Safe Debit account, U.S. Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Relationship rates require maintaining an eligible qualifying product and vary by Combined Qualifying Balance (CQB).
Offer: Relationship rate for Combined Qualifying Balance (CQB) under $5,000. Requires an eligible open and in-good-standing account (U.S. Bank Smartly Checking, Safe Debit, or U.S. Bank Smartly Visa Signature Card).
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for U.S. Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amount 2.00% $25,000 – $50,000 3.50% $50,000 – $100,000 3.50% $100,000 – $99,999,999,999 3.50% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Variable rate account. Monthly maintenance fee of $5 is waived for owners of a Bank Smartly Checking account, Safe Debit account, Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Higher relationship rates require maintaining an eligible product (Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card) and are determined by Combined Qualifying Balance (CQB).
Offer: Relationship rate for CQB Under $5,000. Requires qualifying relationship product.
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amountRelationship rate for CQB $5,000 to $24,999.99. 2.00% $25,000 – $50,000Relationship rate for CQB $25,000 to $49,999.99. 3.50% $50,000 – $100,000Relationship rate for CQB $50,000 to $99,999.99. 3.50% $100,000 and upRelationship rate for CQB $100,000 and above. 3.50% Rate checked
More details - Canvas Credit UnionMoney Market PlusMoney Market Plus · $10,000 min · 1.15%–1.50% by balance
Credit union · 1 branch
1.15%APY$115 a year on $10,000Requirements
Product: Tiered rate account where the interest rate for a particular tier applies to the entire account balance if within the balance range. If the account balance drops below $10,000.00, a $10.00 monthly service fee will apply. Interest compounded and credited monthly.
Offer: Tier rate applies to entire balance. If account balance drops below $10,000.00, a $10.00 monthly service fee will apply. $10,000 minimum required balance to earn stated APY. Interest compounded and credited monthly.
1.14% interest rate · $10 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Plus Balance APY Up to $25,000Your amount 1.15% $25,000 – $50,000 1.20% $50,000 – $100,000 1.30% $100,000 and up 1.50% Rate checked
More details - Metrum Community Credit UnionMoney Market Savings AccountMoney Market Savings Account · $500 min · 1.00%–1.55% by balance
Credit union · 1 branch
1.15%APY$115 a year on $10,000Requirements
Product: Interest is paid monthly. If the account drops below the required minimum balance, interest will not be earned for that day or days until the minimum balance is maintained. There are no fees or penalties for falling below the minimum balance.
Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Savings Account Balance APY $500 and up 1.00% $2,500 and up 1.11% $10,000 and upYour amount 1.15% $25,000 and up 1.25% $50,000 and up 1.50% $100,000 and up 1.55% Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: If the account balance drops below $1,000.00, a $10.00 monthly service fee will apply. Interest is compounded and credited monthly. Average daily balance method used.
Offer: If the account balance drops below $1,000.00, a $10.00 monthly service fee will apply. Interest compounded and credited monthly.
1.00% interest rate · $10 monthly fee · Effective Oct 1, 2026
Rate checked
More details - Columbine FCUMoney Market AccountMoney Market Account · $1,000 min · 1.00%–1.35% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Effective Sep 21, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $20,000Your amount 1.00% $20,000 – $50,000 1.20% $50,000 and up 1.35% Rate checked
More details - Credit Union of ColoradoMoney Market PlusMoney Market Plus · $1,000 min · 0.75%–2.75% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Dividends are compounded and credited monthly. A $10.00 fee is charged and no interest/dividends accrue for any day the balance falls below $1,000. Account is limited to 3 debit transactions per calendar month (excess debit transactions incur a $15 fee each; exceeding 3 debit transactions per month three times within a year may result in account closure).
Offer: Minimum balance to earn stated APY is $1,000.
0.75% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Plus Balance APY $1,000 – $9,999 0.75% $10,000 – $24,999Your amount 1.00% $25,000 – $49,999 1.25% $50,000 – $99,999 1.75% $100,000 – $249,999 2.75% $250,000 and up 2.75% Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.55%–3.01% by balance
Bank · 4 branches
0.80%APY$80 a year on $10,000with conditionsRequirements
Product: $10 monthly maintenance fee is waived for 60 days after account opening or if you hold a minimum daily balance of $5,000. Requires a $25 minimum opening deposit. Variable rate account.
Offer: Relationship rate (Amplify your APY) for balances less than $5,000. Requires being an Account Owner of both a Growth Money Market account and a BMO Relationship Checking account with qualifying activities.
Qualified rate · $10 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Growth Money Market Account Balance APY Up to $5,000 0.55% $5,000 – $25,000Your amount 0.80% $25,000 – $100,000 1.16% $100,000 – $250,000 2.21% $250,000 and up 3.01% Rate checked
More details - Canvas Credit UnionReverse Tier Savings AccountSavings · $0 min · 0.30%–5.00% by balance
Credit union · 1 branch
0.75%APY$75 a year on $10,000Requirements
Product: No fees. No minimum deposit or balance. Limit of one Reverse Tier Savings Account per member. Canvas Credit Union membership required.
Offer: Rate applies to balances from $0 to $2,000.
No monthly fee
Rate by balance
Rate by balance for Reverse Tier Savings Account Balance APY Up to $2,000 5.00% $2,000 – $5,000 1.50% $5,000 – $10,000Your amount 0.75% $10,000 – $50,000 0.40% Over $50,000 0.30% Rate checked
More details - 0.50%APY$50 a year on $10,000with conditions
Requirements
Product: Exclusively for Premier and Premier Elite clients. Tiered variable interest rates calculated using the daily balance method. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Apply in person.
Offer: Standard tier for Premier/Premier Elite clients. Variable APY; daily balance method. Displaying rates for Idaho and Utah.
Qualified rate · 0.00% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY Up to $5,000 0.00% $5,000 – $100,000Your amountEnhanced/Relationship tier for Premier/Premier Elite clients. 0.50% $100,000 – $250,000Enhanced/Relationship tier for Premier/Premier Elite clients. 0.85% $250,000 – $500,000Enhanced/Relationship tier for Premier/Premier Elite clients. 1.16% $500,000 – $1,000,000Enhanced/Relationship tier for Premier/Premier Elite clients. 1.41% $1,000,000 and upEnhanced/Relationship tier for Premier/Premier Elite clients. 1.51% Rate checked
More details - 0.45%APY$45 a year on $10,000with conditions
Requirements
Product: Tiered interest rate calculated using daily balance method. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Monthly service fee applies if minimum daily balance requirement is not met. Gold Account relationship offers premium rate tiers automatically when linked.
Offer: Standard tier. Variable APY; daily balance method. Displaying rates for Idaho and Utah.
Qualified rate · 0.00% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $1,000 0.00% $1,000 – $100,000Your amountRelationship rate tier (e.g., Gold Account relationship). 0.45% $100,000 – $250,000Relationship rate tier (e.g., Gold Account relationship). 0.75% $250,000 – $500,000 0.75% $500,000 – $1,000,000 0.85% $1,000,000 and upRelationship rate tier (e.g., Gold Account relationship). 1.36% 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 savings accounts pay in Centennial, CO
53 accounts at 17 banks and credit unions · checked Oct 6–22
- Typical
- 0.10%
- Top 10% from
- 1.83%
- Banks, typical
- 0.04%
- Credit unions, typical
- 0.25%
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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