Compare Bank & Credit Union Rates
Best savings rates in Golden, 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 Golden, CO
- UMB BankUMB Retail Money MarketUMB Retail Money Market · $0 min · 0.10%–3.71% by balance
Bank · 1 branch
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 - 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 - 3.02%APY$302 a year on $10,000
Rate by balance
Rate by balance for Velocity Money Market Balance APY Up to $24,999Your amount 3.02% Over $24,999 3.85% 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 - 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 - SPACE AGEMaximum Money Market AccountMaximum Money Market Account · $10,000 min · 0.00%–0.95% by balance
Credit union · 1 branch
0.90%APY$90 a year on $10,000Requirements
Product: Dividends are computed on the average daily balance, compounded and paid monthly. Minimum balance of $10,000 required to earn stated dividends; if balance falls below minimum, dividend rate is paid at 1% below the Share account rate.
0.00% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Maximum Money Market Account Balance APY Up to $9,999 0.00% $10,000 – $24,999Your amount 0.90% $25,000 and up 0.95% Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.55%–3.01% by balance
Bank · 1 branch
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 - SPACE AGEInsured Money Market AccountInsured Money Market Account · $2,500 min · 0.00%–0.80% by balance
Credit union · 1 branch
0.80%APY$80 a year on $10,000Requirements
Product: Dividends are computed on the average daily balance, compounded and paid monthly. Minimum balance of $2,500 required to earn dividends; if balance falls below $2,500, dividend rate is paid at 1% below the Share account rate.
0.00% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Insured Money Market Account Balance APY Up to $2,499 0.00% $2,500 and upYour amount 0.80% Rate checked
More details - On Tap Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 0.50%–2.75% by balance
Credit union · 2 branches
0.75%APY$75 a year on $10,000Requirements
Product: Minimum opening balance of $1,000. Minimum balance to avoid a $10 fee is $1,000. Average daily balance method. Dividends compounded and credited monthly. Account transfer limitations apply.
Offer: Minimum required balance to avoid $10 fee is $1,000.00.
0.50% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $10,000 0.50% $10,000 – $25,000Your amount 0.75% $25,000 – $50,000 1.00% $50,000 – $100,000 1.25% $100,000 – $250,000 2.75% $250,000 – $1,000,000Regular MM tier. 2.75% Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.05%–2.50% by balance
Bank · 1 branch
0.30%APY$30 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: Standard APY for balances less than $5,000. Monthly maintenance fee waived for first 60 days or with a $5,000 minimum daily balance.
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 0.05% $5,000 – $25,000Your amount 0.30% $25,000 – $100,000Monthly maintenance fee waived with a $5,000 minimum daily balance. 0.65% $100,000 – $250,000Monthly maintenance fee waived with a $5,000 minimum daily balance. 1.70% $250,000 and upMonthly maintenance fee waived with a $5,000 minimum daily balance. 2.50% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Primary savings account for Credit Union of Colorado membership. No monthly fees.
Offer: Dividends credited quarterly. If account is closed before accrued dividends are credited, accrued dividends will not be paid.
0.25% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 0.05%APY$5 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: Standard rate for any balance without relationship rate qualification.
Qualified rate · 0.05% interest rate · Balance cap $99,999,999,999 · $5 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.05%APY$5 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: Standard interest rate and APY across all balance levels without qualifying relationship product.
Qualified rate · 0.05% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Membership share account required. Dividends compounded and credited monthly. Transfer limits apply. No monthly account/service charge.
Offer: $5.00 minimum balance required to open, maintain the share account, and earn stated dividend. No monthly service charge.
0.05% interest rate · No monthly fee · Effective Oct 1, 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 savings accounts pay in Golden, CO
26 accounts at 10 banks and credit unions · checked Oct 16–22
- Typical
- 0.05%
- Top 10% from
- 2.51%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.50%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
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