Compare Bank & Credit Union Rates
Best savings rates in Grand Junction, 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 Grand Junction, CO
- 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 - 2.80%APY$280 a year on $10,000with conditions
Requirements
Product: Only one (1) Peak Savings Account per SSN. To qualify, member must maintain an open Peak Checking account; otherwise the account will be changed to a personal savings account at the prevailing rate. Three (3) withdrawals allowed per month; $10 excess withdrawal fee incurred for each additional withdrawal.
Offer: Variable rate. No minimum balance to earn stated APY. No minimum opening deposit. No maximum deposit.
Qualified rate · 2.77% interest rate · No monthly fee · Effective Mar 1, 2026
Rate checked
More details - Bellco Credit UnionMember Money Market AccountMember Money Market Account · $1,000 min · 0.00%–2.70% by balance
Credit union · 1 branch
2.70%APY$270 a year on $10,000Requirements
Product: Requires $1,000 minimum opening/account balance. A $10 fee applies if daily balance drops below minimum balance requirement. Membership eligibility required.
Offer: Balances below $1,000 do not earn interest. Daily balance below $1,000 incurs a $10 fee.
0.00% interest rate · $10 monthly fee · Effective Oct 3, 2026
Rate by balance
Rate by balance for Member Money Market Account Balance APY Up to $1,000 0.00% $1,000 – $10,000 2.35% $10,000 – $25,000Your amount 2.70% $25,000 and up 2.70% Rate checked
More details - Bellco Credit UnionPremier Money Market AccountPremier Money Market Account · $10,000 min · 0.00%–3.25% by balance
Credit union · 1 branch
2.70%APY$270 a year on $10,000Requirements
Product: Requires $10,000 minimum deposit to open. A low balance fee of $10 is assessed if the daily balance drops below $10,000. Interest compounded daily and paid monthly. Membership eligibility required.
Offer: Balances below $10,000 do not earn interest. Daily balance below $10,000 incurs a $10 fee.
0.00% interest rate · Compounded daily · $10 monthly fee · Effective Oct 3, 2026
Rate by balance
Rate by balance for Premier Money Market Account Balance APY Up to $10,000 0.00% $10,000 – $50,000Your amount 2.70% $50,000 and up 3.25% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Must have a linked Star Rewards Cash Back Checking account. Qualifying for rewards in linked checking account qualifies for rewards in savings account. $5 paper statement fee applies per statement cycle if not enrolled in eStatements. If checking account is closed or changed, converts to standalone savings.
Offer: When qualifications in linked Star Rewards Checking account are met during Monthly Qualification Cycle. Daily balances ≤ $24,999.99 earn 1.98% interest, 2.00% APY.
Qualified rate · 1.98% interest rate · Balance cap $24,999.99 · Effective May 14, 2026
Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Must have a linked Star Rewards Interest Checking account. Qualifying for rewards in linked checking account qualifies for rewards in savings account. $5 paper statement fee applies per statement cycle if not enrolled in eStatements. If checking account is closed or changed, converts to standalone savings.
Offer: When qualifications in linked Star Rewards Checking account are met during Monthly Qualification Cycle. Daily balances ≤ $24,999.99 earn 1.98% interest, 2.00% APY.
Qualified rate · 1.98% interest rate · Balance cap $24,999.99 · Effective May 14, 2026
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 - Coloramo FCUMoney Market AccountMoney Market Account · $2,500 min · 1.25%–2.35% by balance
Credit union · 1 branch
1.25%APY$125 a year on $10,000Requirements
Product: Balances over $2,500.00 earn dividends. If balance falls below $2,500.00, no dividends are earned.
1.24% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $25,000Your amount 1.25% $25,000 – $50,000 1.25% $50,000 – $100,000 1.50% $100,000 and up 2.35% Rate checked
More details - Grand Junction Federal Credit UnionMoney Market AccountMoney Market Account · $2,000 min · 1.20%–1.75% by balance
Credit union · 1 branch
1.20%APY$120 a year on $10,000Requirements
Product: Div Compounds & Credits Monthly | Div Period Calendar Month-For Money Markets. APY applies only when dividends are added to principal.
Offer: Div Compounds & Credits Monthly | Div Period Calendar Month. APY applies only when dividends are added to principal.
1.20% interest rate · Effective Apr 2, 2025
Rate by balance
Rate by balance for Money Market Account Balance APY $2,000 – $25,000Your amount 1.20% $25,001 – $50,000 1.30% $50,000 – $100,000 1.40% $100,000 and up 1.75% 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 - 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 - 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 - 0.90%APY$90 a year on $10,000
Requirements
Product: Variable rate based on Board of Directors discretion. Dividends compounded monthly and credited monthly using the average daily balance method.
0.25% interest rate · Compounded monthly · No monthly fee · Effective Mar 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,500 0.25% $2,500 – $10,000 0.75% $10,000 – $20,000Your amount 0.90% $20,000 – $50,000 1.00% $50,000 – $90,000 1.25% $90,000 and up 1.50% 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 Grand Junction, CO
56 accounts at 17 banks and credit unions · checked Oct 16–22
- Typical
- 0.23%
- Top 10% from
- 2.00%
- Banks, typical
- 0.17%
- Credit unions, typical
- 0.25%
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Grand Junction, CO metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Canvas Credit UnionCredit union · 2 branches
- Bellco Credit UnionCredit union · 2 branches
- Climb Credit UnionCredit union · 1 branch