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CD Rate Trends

Colorado Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 13, 2026

Colorado CD rates range from 0.01% to 5.12% APY, verified by MonitorBankRates as of October 13, 2026. Current Colorado CD rates include NuVista Federal Credit UnionNuVista Federal Credit Union2711 Commercial Way, Montrose, CO 81401A+5.0 ★Texas Ratio: 0.00%Real return: +2.32%APY minus CPI (February 2026) offering 12 Month DREAM Certificate at 5.12% APY, 5Star Bank5Star Bank104 S Cascade Ave, Colorado Springs, CO 80903A+5.0 ★Texas Ratio: 2.98%Real return: +2.31%APY minus CPI (February 2026) offering 60 Month Variable IRA at 5.11% APY, Austin Capital BankAustin Capital Bank685 Citadel Dr E Ste 290 9, Colorado Springs, CO 80909A+5.0 ★Texas Ratio: 2.96%Real return: +1.78%APY minus CPI (February 2026) offering 3 Month CD at 4.58% APY, Bankers Bank of the WestBankers Bank of the West1099 18th St, Denver, CO 80202A5.0 ★Texas Ratio: 6.05%Real return: +1.75%APY minus CPI (February 2026) offering 24 Month Certificate at 4.55% APY, and On Tap Credit UnionOn Tap Credit Union816 Washington Ave, Golden, CO 80401A5.0 ★Texas Ratio: 9.06%Real return: +1.65%APY minus CPI (February 2026) offering 60 Month JUMBO certificates at 4.45% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.

Use the tables below to compare CD rates across all terms in Colorado side-by-side. Colorado CD rates currently reach as high as 5.12% APY from NuVista Federal Credit Union at 2711 Commercial Way, Montrose, CO 81401. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 13, 2026

Compare Best CD Rates in Colorado

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Colorado 3 Month CD Rates

MonitorBankRates Colorado Average · 3 Month CD2.34% APY▼ 0.02% from last weekNational 2.09%
View 3-month CD rate trend

The average 3-month CD rate in Colorado is 2.34% APY, compared with 2.09% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
685 Citadel Dr E Ste 290 9, Colorado Springs, CO 80909
3 Month CD
$1,000
4.58% ▲ 2.24% above Colorado avg
View
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average2.34%▲ 2.24% above avgNationally 2.09%
Details

APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.

Rate History
1 change since Sep 14, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
3.82%4.45%5.08%Sep 14, 2026: 4.32% APYOct 7, 2026: 4.58% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.58%▲ from 4.32%
  • Sep 14, 20264.32%first recorded
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
120 S Wilcox St, Castle Rock, CO 80104
3 Month CD
$0
4.14% ▲ 1.80% above Colorado avg
View
▼
Rate4.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average2.34%▲ 1.80% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.14% ▲ 0.54 pts · high 4.14% / low 3.60%
3.06%3.87%4.68%Sep 14, 2026: 3.60% APYSep 24, 2026: 4.14% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.14%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
1635 E Colfax Ave, Denver, CO 80218
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85% ▲ 1.51% above Colorado avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 2, 2026
Colorado Average2.34%▲ 1.51% above avgNationally 2.09%
Details

Special Offer. Apply now: balances under $100k. Effective Date: 10/2/2026. Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals.

Rate History
No change since Sep 27, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 27, 2026: 3.85% APYSep 27, 2026Oct 13, 2026
High Plains Bank Flagler, CO
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
329 Main Ave, Flagler, CO 80815
3 Month CD
$250
3.70% ▲ 1.36% above Colorado avg
View
▼
Rate3.63%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average2.34%▲ 1.36% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1075 Acoma St, Denver, CO 80204 4326
3 Months CD
$0
3.70% ▲ 1.36% above Colorado avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average2.34%▲ 1.36% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.70% ▲ 0.40 pts · high 3.70% / low 3.30%
2.80%3.50%4.20%Sep 14, 2026: 3.30% APYOct 10, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.70%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
8400 E Prentice Ave, Greenwood Village, CO 80111
3 Month CD
$0
3.65% ▲ 1.31% above Colorado avg
View
▼
Rate3.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average2.34%▲ 1.31% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
155 Boardwalk Dr, Fort Collins, CO 80525
3 Month Certificate
$500
3.50% ▲ 1.16% above Colorado avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average2.34%▲ 1.16% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
9053 Harlan St Ste 10, Westminster, CO 80031 2908
Share Certificate - 3-Month
$500
3.50% ▲ 1.16% above Colorado avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.34%▲ 1.16% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 10.44%
1010 Johnson Rd Ste 120, Golden, CO 80401 6041
Certificate - 3 Month
$500
3.40% ▲ 1.06% above Colorado avg
View
▼
Rate3.36%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.34%▲ 1.06% above avgNationally 2.09%
Details

Certificates & IRA Certificates; Penalties for early withdrawal may apply and may reduce earnings

Rate History
No change since Oct 13, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 13, 2026
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 10.44%
1010 Johnson Rd Ste 120, Golden, CO 80401 6041
Certificates & IRA Certificates - 3 Month
$500
3.40% ▲ 1.06% above Colorado avg
View
▼
Rate3.36%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.34%▲ 1.06% above avgNationally 2.09%
Details

Rate History
No change since Oct 13, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 13, 2026
Holyoke Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
101 W Denver St, Holyoke, CO 80734 1427
3 Month CD
$500
3.29% ▲ 0.95% above Colorado avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average2.34%▲ 0.95% above avgNationally 2.09%
Details

Rate History
No change since Sep 25, 2026 · 3.29% APY · checked 4 times
2.79%3.29%3.79%Sep 25, 2026: 3.29% APYSep 25, 2026Oct 13, 2026
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1549 E Abriendo Ave, Pueblo, CO 81004 3403
3 Month Certificate
$500
3.29% ▲ 0.95% above Colorado avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 1, 2026
Colorado Average2.34%▲ 0.95% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 5 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
720 W Midland Ave, Woodland Park, CO 80863 3025
3-Month Certificate
$0
3.25% ▲ 0.91% above Colorado avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average2.34%▲ 0.91% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
720 W Midland Ave, Woodland Park, CO 80863 3025
3-Month IRA Certificate
$0
3.25% ▲ 0.91% above Colorado avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average2.34%▲ 0.91% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
North Valley Bank Thornton, CO
Institution Rating:
A5.0 ★Texas Ratio: 13.05%
9001 Washington St, Thornton, CO 80229
3 Month CD
$1,000
3.24% ▲ 0.90% above Colorado avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average2.34%▲ 0.90% above avgNationally 2.09%
Details

Rate History
No change since Sep 15, 2026 · 3.24% APY · checked 6 times
2.74%3.24%3.74%Sep 15, 2026: 3.24% APYSep 15, 2026Oct 13, 2026
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
600 S Lincoln Ave, Steamboat Springs, CO 80487
3 Month Time Certificates - Fixed Rate
$0
3.20% ▲ 0.86% above Colorado avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average2.34%▲ 0.86% above avgNationally 2.09%
Details

Rate History
1 change since Sep 19, 2026 · 2.80% → 3.20% ▲ 0.40 pts · high 3.20% / low 2.80%
2.30%3.00%3.70%Sep 19, 2026: 2.80% APYSep 24, 2026: 3.20% APYSep 19, 2026Oct 13, 2026
  • Sep 24, 20263.20%▲ from 2.80%
  • Sep 19, 20262.80%first recorded
Grand Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
452 S Maple St, Fruita, CO 81521
3 Month Certificate
$500
3.20% ▲ 0.86% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average2.34%▲ 0.86% above avgNationally 2.09%
Details

.25% bonus for Star and Senior Accounts!

Rate History
1 change since Sep 24, 2026 · 3.10% → 3.20% ▲ 0.10 pts · high 3.20% / low 3.10%
2.60%3.15%3.70%Sep 24, 2026: 3.10% APYOct 12, 2026: 3.20% APYSep 24, 2026Oct 13, 2026
  • Oct 12, 20263.20%▲ from 3.10%
  • Sep 24, 20263.10%first recorded
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
22 Town Plz, Durango, CO 81301 5104
3 Month Term Certificates
$0
3.10% ▲ 0.76% above Colorado avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average2.34%▲ 0.76% above avgNationally 2.09%
Details

Dividend Rate 3.06%; APY if dividends are not withdrawn during the term

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 5 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 13, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3033 E 1st Ave, Denver, CO 80206
90 Day Certificate
$1,000
3.00% ▲ 0.66% above Colorado avg
View
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average2.34%▲ 0.66% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 13, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3033 E 1st Ave, Denver, CO 80206
Business 90 Day Certificate
$1,000
3.00% ▲ 0.66% above Colorado avg
View
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average2.34%▲ 0.66% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 13, 2026
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
209 E Main St Ste 104, Rangely, CO 81648
Share Certificate 3 Months
$500
3.00% ▲ 0.66% above Colorado avg
View
▼
Rate2.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.34%▲ 0.66% above avgNationally 2.09%
Details

Dividend rate for $500 and up

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
760 Rood Ave, Grand Junction, CO 81501 3408
CD 3 Month
$10,000
2.75% ▲ 0.41% above Colorado avg
View
▼
Rate2.73%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average2.34%▲ 0.41% above avgNationally 2.09%
Details

$10,000 Minimum

Rate History
No change since Sep 16, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 16, 2026: 2.75% APYSep 16, 2026Oct 13, 2026
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
13559 Huron St, Westminster, CO 80234 1161
3 Month Share Certificates
$0
2.75% ▲ 0.41% above Colorado avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average2.34%▲ 0.41% above avgNationally 2.09%
Details

Balance: $50,000+

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
3 Month Business CDs
$0
2.75% ▲ 0.41% above Colorado avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average2.34%▲ 0.41% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
3 Month Certificate of Deposit
$0
2.75% ▲ 0.41% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average2.34%▲ 0.41% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
3 Month Traditional CD
$0
2.75% ▲ 0.41% above Colorado avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average2.34%▲ 0.41% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
2960 Diagonal Highway, Boulder, CO 80301 1412
3 Month Certificate
$500
2.75% ▲ 0.41% above Colorado avg
View
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average2.34%▲ 0.41% above avgNationally 2.09%
Details

Standard (Min Balance: $500)

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
Integrity Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
1275 Village Ridge Pt, Monument, CO 80132
3 Month Certificate of Deposit
$0
2.52% ▲ 0.18% above Colorado avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average2.34%▲ 0.18% above avgNationally 2.09%
Details

Rate History
No change since Sep 19, 2026 · 2.52% APY · checked 3 times
2.02%2.52%3.02%Sep 19, 2026: 2.52% APYSep 19, 2026Oct 13, 2026
First FarmBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
2939 65th Ave, Greeley, CO 80634
3 Month Certificate
$1,000
2.50% ▲ 0.16% above Colorado avg
View
▼
Rate2.48%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average2.34%▲ 0.16% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 7, 2026: 2.50% APYOct 7, 2026Oct 13, 2026
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
2960 Diagonal Highway, Boulder, CO 80301 1412
3 Month Certificate
$500
2.50% ▲ 0.16% above Colorado avg
View
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average2.34%▲ 0.16% above avgNationally 2.09%
Details

Rate History
No change since Sep 22, 2026 · 2.50% APY · checked 4 times
2.00%2.50%3.00%Sep 22, 2026: 2.50% APYSep 22, 2026Oct 13, 2026
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
2960 Diagonal Highway, Boulder, CO 80301 1412
HSA 3 Month Certificate
$0
2.50% ▲ 0.16% above Colorado avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average2.34%▲ 0.16% above avgNationally 2.09%
Details

Balance: $100 - N/A; Certificates (IRA, HSA)

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Oct 13, 2026
San Luis Valley Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
401 Edison Ave, Alamosa, CO 81101
3 Months Certificate
$100,000
2.29% ▼ 0.05% below Colorado avg
View
▼
Rate2.27%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average2.34%▼ 0.05% below avgNationally 2.09%
Details

Tier 2

Rate History
No change since Oct 7, 2026 · 2.29% APY · checked 2 times
1.79%2.29%2.79%Oct 7, 2026: 2.29% APYOct 7, 2026Oct 13, 2026
Foothills Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.96%
7990 W Alameda Ave, Lakewood, CO 80226
Certificate of Deposit - 3 Month
$0
2.25% ▼ 0.09% below Colorado avg
View
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.34%▼ 0.09% below avgNationally 2.09%
Details

Rate History
No change since Oct 13, 2026 · 2.25% APY
1.75%2.25%2.75%Oct 13, 2026: 2.25% APYOct 13, 2026Oct 13, 2026
Delta County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
100 Circle Dr, Delta, CO 81416
3 Month Share Certificate
$250
2.02% ▼ 0.32% below Colorado avg
View
▼
Rate2.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.34%▼ 0.32% below avgNationally 2.09%
Details

Youth members only

Rate History
No change since Sep 21, 2026 · 2.02% APY · checked 2 times
1.52%2.02%2.52%Sep 21, 2026: 2.02% APYSep 21, 2026Oct 13, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
1275 Tremont Pl, Denver, CO 80204 2118
90 Day Traditional Certificate of Deposit (CD)
$0
2.00% ▼ 0.34% below Colorado avg
View
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.34%▼ 0.34% below avgNationally 2.09%
Details

Balance: $100,000 and over; Deposits over $25,000

Rate History
No change since Oct 13, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 13, 2026: 2.00% APYOct 13, 2026Oct 13, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
1275 Tremont Pl, Denver, CO 80204 2118
90 Day Traditional Certificate of Deposit (CD)
$0
1.90% ▼ 0.44% below Colorado avg
View
▼
Rate1.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.34%▼ 0.44% below avgNationally 2.09%
Details

Balance: $25,000 - $99,999.99; Deposits over $25,000

Rate History
No change since Oct 13, 2026 · 1.90% APY
1.40%1.90%2.40%Oct 13, 2026: 1.90% APYOct 13, 2026Oct 13, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
3700 E Alameda Ave, Denver, CO 80209
3 Month Business Certificates of Deposit (CDs)
$0
1.85% ▼ 0.49% below Colorado avg
View
▼
Rate1.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.34%▼ 0.49% below avgNationally 2.09%
Details

APY based on minimum account balance of $500; dividends paid monthly

Rate History
No change since Sep 14, 2026 · 1.85% APY · checked 6 times
1.35%1.85%2.35%Sep 14, 2026: 1.85% APYSep 14, 2026Oct 13, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
3700 E Alameda Ave, Denver, CO 80209
3 Month Certificates of Deposit (CDs)
$0
1.85% ▼ 0.49% below Colorado avg
View
▼
Rate1.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.34%▼ 0.49% below avgNationally 2.09%
Details

Certificates of Deposit (CDs) minimum balance $500

Rate History
No change since Sep 14, 2026 · 1.85% APY · checked 6 times
1.35%1.85%2.35%Sep 14, 2026: 1.85% APYSep 14, 2026Oct 13, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
3700 E Alameda Ave, Denver, CO 80209
Individual Retirement Account (IRA) CDs - 3 Month
$0
1.85% ▼ 0.49% below Colorado avg
View
▼
Rate1.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.34%▼ 0.49% below avgNationally 2.09%
Details

Rate History
No change since Sep 22, 2026 · 1.85% APY · checked 3 times
1.35%1.85%2.35%Sep 22, 2026: 1.85% APYSep 22, 2026Oct 13, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
1275 Tremont Pl, Denver, CO 80204 2118
Traditional Certificate of Deposit (CD) - 90 Day
$0
1.80% ▼ 0.54% below Colorado avg
View
▼
Rate1.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.34%▼ 0.54% below avgNationally 2.09%
Details

Deposits under $25,000; Account Balance $10,000

Rate History
No change since Sep 14, 2026 · 1.80% APY · checked 5 times
1.30%1.80%2.30%Sep 14, 2026: 1.80% APYSep 14, 2026Oct 13, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
1275 Tremont Pl, Denver, CO 80204 2118
Traditional Certificate of Deposit (CD) - 90 Day
$0
1.70% ▼ 0.64% below Colorado avg
View
▼
Rate1.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.34%▼ 0.64% below avgNationally 2.09%
Details

Deposits under $25,000; Account Balance $500; APY at $500 balance: 1.70%

Rate History
No change since Sep 14, 2026 · 1.70% APY · checked 5 times
1.20%1.70%2.20%Sep 14, 2026: 1.70% APYSep 14, 2026Oct 13, 2026
San Luis Valley Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
401 Edison Ave, Alamosa, CO 81101
3 Month CD
$1,000
1.69% ▼ 0.65% below Colorado avg
View
▼
Rate1.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average2.34%▼ 0.65% below avgNationally 2.09%
Details

Tier 2 ($100,000.00+): Rate 2.27%, APY 2.29%

Rate History
No change since Oct 7, 2026 · 1.69% APY · checked 2 times
1.19%1.69%2.19%Oct 7, 2026: 1.69% APYOct 7, 2026Oct 13, 2026
San Luis Valley Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
401 Edison Ave, Alamosa, CO 81101
3 Months Certificate
$1,000
1.69% ▼ 0.65% below Colorado avg
View
▼
Rate1.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average2.34%▼ 0.65% below avgNationally 2.09%
Details

Tier 1

Rate History
No change since Oct 7, 2026 · 1.69% APY · checked 2 times
1.19%1.69%2.19%Oct 7, 2026: 1.69% APYOct 7, 2026Oct 13, 2026
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
9305 W ALAMEDA AVE, LAKEWOOD, CO 80226
Traditional Certificate - 3 Month
$0
1.35% ▼ 0.99% below Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.34%▼ 0.99% below avgNationally 2.09%
Details

Min. Balance to obtain APY; Compounds Monthly; Early withdrawal penalties may apply

Rate History
No change since Oct 13, 2026 · 1.35% APY
0.85%1.35%1.85%Oct 13, 2026: 1.35% APYOct 13, 2026Oct 13, 2026
Equitable Savings and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
221 N 3rd St, Sterling, CO 80751
3 Month Jumbo Certificate
$100,000
0.95% ▼ 1.39% below Colorado avg
View
▼
Rate0.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average2.34%▼ 1.39% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 0.95% APY · checked 6 times
0.45%0.95%1.45%Sep 14, 2026: 0.95% APYSep 14, 2026Oct 13, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
3 Month Business Certificate of Deposit (CD)
$0
0.85% ▼ 1.49% below Colorado avg
View
▼
Rate0.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average2.34%▼ 1.49% below avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 0.60% → 0.85% ▲ 0.25 pts · high 0.85% / low 0.60%
0.10%0.73%1.35%Sep 14, 2026: 0.60% APYSep 28, 2026: 0.85% APYSep 14, 2026Oct 13, 2026
  • Sep 28, 20260.85%▲ from 0.60%
  • Sep 14, 20260.60%first recorded
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
3 Month CD
$100,000
0.85% ▼ 1.49% below Colorado avg
View
▼
Rate0.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average2.34%▼ 1.49% below avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 0.85% APY · checked 2 times
0.35%0.85%1.35%Oct 8, 2026: 0.85% APYOct 8, 2026Oct 13, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
3 Month Certificate
$0
0.80% ▼ 1.54% below Colorado avg
View
▼
Rate0.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average2.34%▼ 1.54% below avgNationally 2.09%
Details

Rate History
2 changes since Sep 14, 2026 · 0.60% → 0.80% ▲ 0.20 pts · high 0.85% / low 0.60%
0.10%0.73%1.35%Sep 14, 2026: 0.60% APYSep 24, 2026: 0.85% APYOct 8, 2026: 0.80% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20260.80%▼ from 0.85%
  • Sep 24, 20260.85%▲ from 0.60%
  • Sep 14, 20260.60%first recorded
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
Business Certificate of Deposit (CD) - 3 Months
$0
0.80% ▼ 1.54% below Colorado avg
View
▼
Rate0.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average2.34%▼ 1.54% below avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 0.80% APY · checked 2 times
0.30%0.80%1.30%Oct 8, 2026: 0.80% APYOct 8, 2026Oct 13, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
Business Certificate of Deposit (CD) - 3 Months
$0
0.75% ▼ 1.59% below Colorado avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average2.34%▼ 1.59% below avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 8, 2026: 0.75% APYOct 8, 2026Oct 13, 2026

Colorado 6 Month CD Rates

MonitorBankRates Colorado Average · 6 Month CD3.18% APY▲ 0.01% from last weekNational 2.78%
View 6-month CD rate trend

The average 6-month CD rate in Colorado is 3.18% APY, compared with 2.78% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
2480 W Alameda Ave, Denver, CO 80223
6-Month CD
$1,000
4.40% ▲ 1.22% above Colorado avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.18%▲ 1.22% above avgNationally 2.78%
Details

Rate History
1 change since Sep 16, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 16, 2026: 4.35% APYOct 12, 2026: 4.40% APYSep 16, 2026Oct 13, 2026
  • Oct 12, 20264.40%▲ from 4.35%
  • Sep 16, 20264.35%first recorded
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1099 18th St, Denver, CO 80202
6 Month Certificate
$50,000
4.35% ▲ 1.17% above Colorado avg
View
▼
Rate4.35%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.18%▲ 1.17% above avgNationally 2.78%
Details

Interest paid quarterly via ACH to any account designated by the customer institution; Withdrawal before maturity is not permitted

Rate History
2 changes since Sep 14, 2026 · 4.20% → 4.35% ▲ 0.15 pts · high 4.35% / low 4.20%
3.70%4.28%4.85%Sep 14, 2026: 4.20% APYSep 24, 2026: 4.25% APYOct 7, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.35%▲ from 4.25%
  • Sep 24, 20264.25%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
685 Citadel Dr E Ste 290 9, Colorado Springs, CO 80909
6 Month CD
$1,000
4.30% ▲ 1.12% above Colorado avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.18%▲ 1.12% above avgNationally 2.78%
Details

APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.

Rate History
1 change since Sep 14, 2026 · 4.04% → 4.30% ▲ 0.26 pts · high 4.30% / low 4.04%
3.54%4.17%4.80%Sep 14, 2026: 4.04% APYOct 7, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.30%▲ from 4.04%
  • Sep 14, 20264.04%first recorded
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.91%
116 Inverness Dr E, Englewood, CO 80112
6 Month IRA Certificate of Deposit (CD)
$1,000
4.18% ▲ 1.00% above Colorado avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Colorado Average3.18%▲ 1.00% above avgNationally 2.78%
Details

Balance: $1,000 - $24,999

Rate History
No change since Oct 9, 2026 · 4.18% APY · checked 3 times
3.68%4.18%4.68%Oct 9, 2026: 4.18% APYOct 9, 2026Oct 13, 2026
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
8400 E Prentice Ave, Greenwood Village, CO 80111
6 Month CD
$0
4.15% ▲ 0.97% above Colorado avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.18%▲ 0.97% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
120 S Wilcox St, Castle Rock, CO 80104
6 Month CD
$0
4.14% ▲ 0.96% above Colorado avg
View
▼
Rate4.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.18%▲ 0.96% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.14% ▲ 0.24 pts · high 4.14% / low 3.90%
3.40%4.02%4.64%Sep 14, 2026: 3.90% APYSep 24, 2026: 4.14% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.14%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
101 S 6th St, Dolores, CO 81323
Jumbo Certificates of Deposit & Greater - 6 Month
$0
4.06% ▲ 0.88% above Colorado avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.18%▲ 0.88% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 7 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Oct 13, 2026
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
22 Town Plz, Durango, CO 81301 5104
6 Month Business Term Certificate Promo
$0
4.00% ▲ 0.82% above Colorado avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.18%▲ 0.82% above avgNationally 2.78%
Details

Dividend Rate 3.93%; APY if dividends are not withdrawn during the term; Business members

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2380 E Bridge St, Brighton, CO 80601
6 Month CDs & IRA Certificates of Deposit
$0
4.00% ▲ 0.82% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.18%▲ 0.82% above avgNationally 2.78%
Details

Balance: $100,000 +

Rate History
1 change since Sep 18, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 18, 2026: 3.80% APYOct 10, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.80%
  • Sep 18, 20263.80%first recorded
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
5080 W 60th Ave, Arvada, CO 80003 6919
Share & IRA Certificates - 6 Month Term
$0
3.98% ▲ 0.80% above Colorado avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.18%▲ 0.80% above avgNationally 2.78%
Details

Dividends compounded daily and credited monthly; early withdrawal penalties apply

Rate History
1 change since Sep 14, 2026 · 3.77% → 3.98% ▲ 0.21 pts · high 3.98% / low 3.77%
3.27%3.88%4.48%Sep 14, 2026: 3.77% APYOct 12, 2026: 3.98% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.98%▲ from 3.77%
  • Sep 14, 20263.77%first recorded
Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
1615 E Evans Ave, Pueblo, CO 81004 3418
Share Certificate - 6 Month
$0
3.90% ▲ 0.72% above Colorado avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.18%▲ 0.72% above avgNationally 2.78%
Details

Balance: $50,000+

Rate History
1 change since Sep 14, 2026 · 3.91% → 3.90% ▼ 0.01 pts · high 3.91% / low 3.90%
3.40%3.91%4.41%Sep 14, 2026: 3.91% APYSep 22, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
  • Sep 22, 20263.90%▼ from 3.91%
  • Sep 14, 20263.91%first recorded
Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
1615 E Evans Ave, Pueblo, CO 81004 3418
Share Certificates - 6 Month
$500
3.90% ▲ 0.72% above Colorado avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.18%▲ 0.72% above avgNationally 2.78%
Details

Balance: $50,000+

Rate History
1 change since Sep 14, 2026 · 3.91% → 3.90% ▼ 0.01 pts · high 3.91% / low 3.90%
3.40%3.91%4.41%Sep 14, 2026: 3.91% APYSep 22, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
  • Sep 22, 20263.90%▼ from 3.91%
  • Sep 14, 20263.91%first recorded
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2380 E Bridge St, Brighton, CO 80601
6 Month CDs & IRA Certificates of Deposit
$0
3.90% ▲ 0.72% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.18%▲ 0.72% above avgNationally 2.78%
Details

Balance: $500-$99,999.99

Rate History
1 change since Sep 18, 2026 · 3.70% → 3.90% ▲ 0.20 pts · high 3.90% / low 3.70%
3.20%3.80%4.40%Sep 18, 2026: 3.70% APYOct 10, 2026: 3.90% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20263.90%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
600 S Lincoln Ave, Steamboat Springs, CO 80487
6 Month Time Certificates - Fixed Rate
$0
3.85% ▲ 0.67% above Colorado avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.18%▲ 0.67% above avgNationally 2.78%
Details

Rate History
1 change since Sep 19, 2026 · 3.46% → 3.85% ▲ 0.39 pts · high 3.85% / low 3.46%
2.96%3.66%4.35%Sep 19, 2026: 3.46% APYSep 24, 2026: 3.85% APYSep 19, 2026Oct 13, 2026
  • Sep 24, 20263.85%▲ from 3.46%
  • Sep 19, 20263.46%first recorded
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
9053 Harlan St Ste 10, Westminster, CO 80031 2908
Share Certificate - 6-Month
$500
3.85% ▲ 0.67% above Colorado avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.18%▲ 0.67% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 18, 2026: 3.85% APYSep 18, 2026Oct 13, 2026
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
6221 Sheridan Blvd, Arvada, CO 80003
Jumbo Certificates and IRAs - 6 Months (REG only)
$0
3.85% ▲ 0.67% above Colorado avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.18%▲ 0.67% above avgNationally 2.78%
Details

Jumbo certificate; REG only; Minimum Balance to Open and Earn Interest $100,000

Rate History
No change since Oct 9, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 9, 2026: 3.85% APYOct 9, 2026Oct 13, 2026
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
816 Washington Ave, Golden, CO 80401
6 Month JUMBO certificates
$100,000
3.85% ▲ 0.67% above Colorado avg
View
▼
Rate3.78%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.18%▲ 0.67% above avgNationally 2.78%
Details

Effective: October 1, 2026

Rate History
1 change since Sep 18, 2026 · 3.70% → 3.85% ▲ 0.15 pts · high 3.85% / low 3.70%
3.20%3.78%4.35%Sep 18, 2026: 3.70% APYOct 13, 2026: 3.85% APYSep 18, 2026Oct 13, 2026
  • Oct 13, 20263.85%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
816 Washington Ave, Golden, CO 80401
Business Jumbo Certificates - 6 Month CD
$0
3.85% ▲ 0.67% above Colorado avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.18%▲ 0.67% above avgNationally 2.78%
Details

Rate History
No change since Oct 13, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 13, 2026: 3.85% APYOct 13, 2026Oct 13, 2026
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
816 Washington Ave, Golden, CO 80401
Jumbo IRA CD - 6 Months
$100,000
3.85% ▲ 0.67% above Colorado avg
View
▼
Rate3.78%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.18%▲ 0.67% above avgNationally 2.78%
Details

IRA restrictions apply; Minimum balance to earn lowest stated dividend $100,000.00; Early withdrawal penalties apply

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 14, 2026: 3.75% APYOct 13, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.85%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
6 Month Business CDs
$0
3.85% ▲ 0.67% above Colorado avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.18%▲ 0.67% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
6 Month Certificate of Deposit
$0
3.85% ▲ 0.67% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.18%▲ 0.67% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
6 Month IRA Jumbo CD
$0
3.85% ▲ 0.67% above Colorado avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.18%▲ 0.67% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 18, 2026: 3.85% APYSep 18, 2026Oct 13, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
6 Month Jumbo CD
$0
3.85% ▲ 0.67% above Colorado avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.18%▲ 0.67% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
6 Month Traditional CD
$0
3.85% ▲ 0.67% above Colorado avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.18%▲ 0.67% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
IRA Jumbo CDs - 6 Months
$100,000
3.85% ▲ 0.67% above Colorado avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.18%▲ 0.67% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
101 Cook St, Denver, CO 80206
6 Month CD
$500
3.85% ▲ 0.67% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.18%▲ 0.67% above avgNationally 2.78%
Details

Rate History
No change since Oct 6, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 6, 2026: 3.85% APYOct 6, 2026Oct 13, 2026
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1075 Acoma St, Denver, CO 80204 4326
6 Months CD
$0
3.81% ▲ 0.63% above Colorado avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.18%▲ 0.63% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.81% ▲ 0.21 pts · high 3.81% / low 3.60%
3.10%3.71%4.31%Sep 14, 2026: 3.60% APYOct 10, 2026: 3.81% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.81%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Adams Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
1310 Garden Of The Gods Rd, Colorado Springs, CO 80907
6-MONTH CD
$500
3.80% ▲ 0.62% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.18%▲ 0.62% above avgNationally 2.78%
Details

Balance: $10,000.00 and up

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 9 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
101 S 6th St, Dolores, CO 81323
6 Month CD
$1,000
3.80% ▲ 0.62% above Colorado avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.18%▲ 0.62% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
12 Lakeside Ln, Denver, CO 80212 7413
6 Month Share/IRA/HSA Certificates
$0
3.80% ▲ 0.62% above Colorado avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.18%▲ 0.62% above avgNationally 2.78%
Details

Rate History
No change since Sep 25, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Sep 25, 2026: 3.80% APYSep 25, 2026Oct 13, 2026
Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
12 Lakeside Ln, Denver, CO 80212 7413
Share/IRA/HSA Certificates - 6 months
$500
3.80% ▲ 0.62% above Colorado avg
View
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.18%▲ 0.62% above avgNationally 2.78%
Details

$500 Minimum

Rate History
No change since Oct 8, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 8, 2026: 3.80% APYOct 8, 2026Oct 13, 2026
NuVista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2711 Commercial Way, Montrose, CO 81401
6 Month Certificate
$50,000
3.80% ▲ 0.62% above Colorado avg
View
▼
Rate3.74%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.18%▲ 0.62% above avgNationally 2.78%
Details

High Balance Share Certificate Accounts; Rates effective 6/15/2026

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
1615 E Evans Ave, Pueblo, CO 81004 3418
Share Certificates - 6 Month
$500
3.80% ▲ 0.62% above Colorado avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.18%▲ 0.62% above avgNationally 2.78%
Details

Balance: $500 - $49,999.99

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
9305 W ALAMEDA AVE, LAKEWOOD, CO 80226
Traditional Certificate - 6 Month
$0
3.80% ▲ 0.62% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.18%▲ 0.62% above avgNationally 2.78%
Details

Min. Balance to obtain APY; Compounds Monthly; Early withdrawal penalties may apply

Rate History
No change since Oct 13, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 13, 2026: 3.80% APYOct 13, 2026Oct 13, 2026
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
9305 W ALAMEDA AVE, LAKEWOOD, CO 80226
Traditional IRA 6 Month Certificate
$0
3.80% ▲ 0.62% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.18%▲ 0.62% above avgNationally 2.78%
Details

Min. Balance to obtain APY: $1,000 and over; Compounds Monthly; Individual Retirement Account Traditional-Roth-Coverdell ESA Rates

Rate History
No change since Oct 13, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 13, 2026: 3.80% APYOct 13, 2026Oct 13, 2026
North Valley Bank Thornton, CO
Institution Rating:
A5.0 ★Texas Ratio: 13.05%
9001 Washington St, Thornton, CO 80229
6 Month CD
$1,000
3.78% ▲ 0.60% above Colorado avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.18%▲ 0.60% above avgNationally 2.78%
Details

Rate History
No change since Sep 15, 2026 · 3.78% APY · checked 6 times
3.28%3.78%4.28%Sep 15, 2026: 3.78% APYSep 15, 2026Oct 13, 2026
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
6221 Sheridan Blvd, Arvada, CO 80003
Consumer and Business Regular and IRA Certificates of Deposit (CDs) - 6 Months
$500
3.75% ▲ 0.57% above Colorado avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.18%▲ 0.57% above avgNationally 2.78%
Details

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 13, 2026
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
816 Washington Ave, Golden, CO 80401
6 Month Term Certificates
$500
3.75% ▲ 0.57% above Colorado avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.18%▲ 0.57% above avgNationally 2.78%
Details

Early withdrawal penalties apply; Dividend withdrawal allowed; Additional deposits not permitted; Dividends compounded monthly, credited monthly; Effective: October 1, 2026

Rate History
2 changes since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60%
3.10%3.68%4.25%Sep 14, 2026: 3.60% APYSep 22, 2026: 3.70% APYOct 9, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.75%▲ from 3.70%
  • Sep 22, 20263.70%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
816 Washington Ave, Golden, CO 80401
Business Term Certificates - 6 Month CD
$0
3.75% ▲ 0.57% above Colorado avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.18%▲ 0.57% above avgNationally 2.78%
Details

Rate History
No change since Oct 9, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 9, 2026: 3.75% APYOct 9, 2026Oct 13, 2026
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
816 Washington Ave, Golden, CO 80401
IRA Certificate (Traditional/Roth/SEP) - 6 Months
$500
3.75% ▲ 0.57% above Colorado avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.18%▲ 0.57% above avgNationally 2.78%
Details

traditional ira, roth ira and sep ira

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 13, 2026
Sunwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
4141 Sovereign Cir, Pueblo, CO 81005
6 Month Certificate
$0
3.75% ▲ 0.57% above Colorado avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.18%▲ 0.57% above avgNationally 2.78%
Details

Balance: $500-$24,999.99; Dividends Credited: Monthly

Rate History
No change since Sep 22, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 22, 2026: 3.75% APYSep 22, 2026Oct 13, 2026
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
720 W Midland Ave, Woodland Park, CO 80863 3025
6-Month Certificate
$0
3.75% ▲ 0.57% above Colorado avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.18%▲ 0.57% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
720 W Midland Ave, Woodland Park, CO 80863 3025
6-Month IRA Certificate
$0
3.75% ▲ 0.57% above Colorado avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.18%▲ 0.57% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1601 28th St, Boulder, CO 80301
6-Month CD
$0
3.75% ▲ 0.57% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.18%▲ 0.57% above avgNationally 2.78%
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1601 28th St, Boulder, CO 80301
6-Month Term
$1,000
3.75% ▲ 0.57% above Colorado avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.18%▲ 0.57% above avgNationally 2.78%
Details

Rate History
No change since Sep 27, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 27, 2026: 3.75% APYSep 27, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO 80017
Bonus Certificates - 6 Month
$0
3.66% ▲ 0.48% above Colorado avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.18%▲ 0.48% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.66% ▲ 0.06 pts · high 3.66% / low 3.60%
3.10%3.63%4.16%Sep 14, 2026: 3.60% APYOct 13, 2026: 3.66% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.66%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
First FarmBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
2939 65th Ave, Greeley, CO 80634
6 Month Certificate
$1,000
3.65% ▲ 0.47% above Colorado avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.18%▲ 0.47% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Oct 13, 2026
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
22 Town Plz, Durango, CO 81301 5104
6 Month Term Certificates
$0
3.65% ▲ 0.47% above Colorado avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.18%▲ 0.47% above avgNationally 2.78%
Details

Dividend Rate 3.59%; APY if dividends are not withdrawn during the term

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Foothills Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.96%
7990 W Alameda Ave, Lakewood, CO 80226
Certificate of Deposit - 6 Month
$0
3.65% ▲ 0.47% above Colorado avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.18%▲ 0.47% above avgNationally 2.78%
Details

Rate History
No change since Oct 13, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 13, 2026: 3.65% APYOct 13, 2026Oct 13, 2026
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
13559 Huron St, Westminster, CO 80234 1161
6 Month Share Certificates
$0
3.65% ▲ 0.47% above Colorado avg
View
▼
Rate3.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.18%▲ 0.47% above avgNationally 2.78%
Details

Balance: $50,000+

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026

Colorado 12 Month CD Rates

MonitorBankRates Colorado Average · 12 Month CD3.28% APY▲ 0.03% from last weekNational 2.99%
View 12-month CD rate trend

The average 12-month CD rate in Colorado is 3.28% APY, compared with 2.99% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
NuVista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2711 Commercial Way, Montrose, CO 81401
12 Month DREAM Certificate
$100
5.12% ▲ 1.84% above Colorado avg
View
▼
Rate5.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.28%▲ 1.84% above avgNationally 2.99%
Details

Tiered by daily balance: up to $1,000.00 earns the DREAM Certificate rate; $1,000.01 and over earn the 12-Month Certificate rate; Add-on certificate

Rate History
No change since Sep 14, 2026 · 5.12% APY · checked 7 times
4.62%5.12%5.62%Sep 14, 2026: 5.12% APYSep 14, 2026Oct 13, 2026
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1099 18th St, Denver, CO 80202
12 Month Certificate
$50,000
4.51% ▲ 1.23% above Colorado avg
View
▼
Rate4.51%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.28%▲ 1.23% above avgNationally 2.99%
Details

Interest paid quarterly via ACH to any account designated by the customer institution; Withdrawal before maturity is not permitted

Rate History
2 changes since Sep 14, 2026 · 4.23% → 4.51% ▲ 0.28 pts · high 4.51% / low 4.23%
3.73%4.37%5.01%Sep 14, 2026: 4.23% APYSep 24, 2026: 4.33% APYOct 7, 2026: 4.51% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.51%▲ from 4.33%
  • Sep 24, 20264.33%▲ from 4.23%
  • Sep 14, 20264.23%first recorded
Fellowship Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
803 E Olive St, Lamar, CO 81052
12 Month Certificate of Deposit
$500
4.41% ▲ 1.13% above Colorado avg
View
▼
Rate4.32%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.28%▲ 1.13% above avgNationally 2.99%
Details

1% penalty for early withdrawal; 10 days after the CD renews before a penalty

Rate History
No change since Sep 14, 2026 · 4.41% APY · checked 5 times
3.91%4.41%4.91%Sep 14, 2026: 4.41% APYSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO 80017
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.07% above Colorado avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.28%▲ 1.07% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 13, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
101 Cook St, Denver, CO 80206
12 Month CD
$500
4.30% ▲ 1.02% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.28%▲ 1.02% above avgNationally 2.99%
Details

Rate History
1 change since Oct 6, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
3.50%4.15%4.80%Oct 6, 2026: 4.00% APYOct 10, 2026: 4.30% APYOct 6, 2026Oct 13, 2026
  • Oct 10, 20264.30%▲ from 4.00%
  • Oct 6, 20264.00%first recorded
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
8400 E Prentice Ave, Greenwood Village, CO 80111
12 Month CD
$0
4.25% ▲ 0.97% above Colorado avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.28%▲ 0.97% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
8250 Razorback Rd, Colorado Springs, CO 80920
12-Month Certificate of Deposit
$500
4.20% ▲ 0.92% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.28%▲ 0.92% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
3.25%3.98%4.70%Sep 18, 2026: 3.75% APYOct 2, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20264.20%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.91%
116 Inverness Dr E, Englewood, CO 80112
1 Year IRA Certificate of Deposit (CD)
$1,000
4.07% ▲ 0.79% above Colorado avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Colorado Average3.28%▲ 0.79% above avgNationally 2.99%
Details

Balance: $100,000

Rate History
No change since Oct 9, 2026 · 4.07% APY · checked 3 times
3.57%4.07%4.57%Oct 9, 2026: 4.07% APYOct 9, 2026Oct 13, 2026
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
600 S Lincoln Ave, Steamboat Springs, CO 80487
12 Month Time Certificates - Fixed Rate
$0
4.05% ▲ 0.77% above Colorado avg
View
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.28%▲ 0.77% above avgNationally 2.99%
Details

Rate History
1 change since Sep 19, 2026 · 3.35% → 4.05% ▲ 0.70 pts · high 4.05% / low 3.35%
2.65%3.70%4.75%Sep 19, 2026: 3.35% APYSep 24, 2026: 4.05% APYSep 19, 2026Oct 13, 2026
  • Sep 24, 20264.05%▲ from 3.35%
  • Sep 19, 20263.35%first recorded
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
600 S Lincoln Ave, Steamboat Springs, CO 80487
IRA (Roth & Traditional) - Fixed Rate 12 month
$0
4.05% ▲ 0.77% above Colorado avg
View
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.28%▲ 0.77% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.35% → 4.05% ▲ 0.70 pts · high 4.05% / low 3.35%
2.65%3.70%4.75%Sep 14, 2026: 3.35% APYSep 24, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.05%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO 80017
Bonus Certificates - 12 Month
$0
4.02% ▲ 0.74% above Colorado avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.28%▲ 0.74% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.02% ▲ 0.07 pts · high 4.02% / low 3.95%
3.45%3.99%4.52%Sep 14, 2026: 3.95% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO 80017
Bonus IRA Certificates - 12 Month
$0
4.02% ▲ 0.74% above Colorado avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.28%▲ 0.74% above avgNationally 2.99%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
2 changes since Sep 14, 2026 · 3.95% → 4.02% ▲ 0.07 pts · high 4.02% / low 3.95%
3.45%3.99%4.52%Sep 14, 2026: 3.95% APYSep 25, 2026: 3.97% APYOct 5, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO 80017
12 Month ESA EasyStart Certificate
$50
4.00% ▲ 0.72% above Colorado avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.28%▲ 0.72% above avgNationally 2.99%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 13, 2026
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
685 Citadel Dr E Ste 290 9, Colorado Springs, CO 80909
12 Month CD
$1,000
4.00% ▲ 0.72% above Colorado avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.28%▲ 0.72% above avgNationally 2.99%
Details

APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.

Rate History
1 change since Sep 14, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
2.00%3.50%5.00%Sep 14, 2026: 3.00% APYOct 7, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.00%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
22 Town Plz, Durango, CO 81301 5104
12 Month Term Certificates
$0
4.00% ▲ 0.72% above Colorado avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.28%▲ 0.72% above avgNationally 2.99%
Details

Dividend Rate 3.93%; APY if dividends are not withdrawn during the term

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
9305 W ALAMEDA AVE, LAKEWOOD, CO 80226
Traditional Certificate - 12 Month
$0
4.00% ▲ 0.72% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.28%▲ 0.72% above avgNationally 2.99%
Details

Min. Balance to obtain APY; Compounds Monthly; Early withdrawal penalties may apply

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
9305 W ALAMEDA AVE, LAKEWOOD, CO 80226
Traditional IRA 12 Month Certificate
$0
4.00% ▲ 0.72% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.28%▲ 0.72% above avgNationally 2.99%
Details

Min. Balance to obtain APY: $1,000 and over; Compounds Monthly; Individual Retirement Account Traditional-Roth-Coverdell ESA Rates

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Options Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.43%
5935 S Zang St, Littleton, CO 80127
12-Month CD
$10,000
4.00% ▲ 0.72% above Colorado avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.28%▲ 0.72% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Options Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.43%
5935 S Zang St, Littleton, CO 80127
12-Month Certificate Special
$10,000
4.00% ▲ 0.72% above Colorado avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.28%▲ 0.72% above avgNationally 2.99%
Details

New money only (funds not currently on deposit with the credit union; must come from a non-Options account); Limited Availability; limited-time promotion; 90 day penalty for early withdrawal; at maturity balance automatically renews into a standard 6 month term; special rate cannot be combined with Loyalty Rewards; APY accurate as of 7/20/26 and subject to change

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2380 E Bridge St, Brighton, CO 80601
12 Month CDs & IRA Certificates of Deposit
$0
4.00% ▲ 0.72% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.28%▲ 0.72% above avgNationally 2.99%
Details

Balance: $100,000 +

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 18, 2026: 3.75% APYOct 10, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1601 28th St, Boulder, CO 80301
1-Year CD
$0
4.00% ▲ 0.72% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.28%▲ 0.72% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1601 28th St, Boulder, CO 80301
1-Year Term
$1,000
4.00% ▲ 0.72% above Colorado avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.28%▲ 0.72% above avgNationally 2.99%
Details

Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Oct 13, 2026
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.91%
116 Inverness Dr E, Englewood, CO 80112
1 Year IRA Certificate of Deposit (CD)
$1,000
3.97% ▲ 0.69% above Colorado avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Colorado Average3.28%▲ 0.69% above avgNationally 2.99%
Details

Balance: $25,000 - $99,999

Rate History
No change since Oct 9, 2026 · 3.97% APY · checked 3 times
3.47%3.97%4.47%Oct 9, 2026: 3.97% APYOct 9, 2026Oct 13, 2026
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
120 S Wilcox St, Castle Rock, CO 80104
12 Month CD
$0
3.95% ▲ 0.67% above Colorado avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.28%▲ 0.67% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 8 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
816 Washington Ave, Golden, CO 80401
12 Month JUMBO certificates
$100,000
3.95% ▲ 0.67% above Colorado avg
View
▼
Rate3.88%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.28%▲ 0.67% above avgNationally 2.99%
Details

Effective: October 1, 2026

Rate History
1 change since Sep 18, 2026 · 3.85% → 3.95% ▲ 0.10 pts · high 3.95% / low 3.85%
3.35%3.90%4.45%Sep 18, 2026: 3.85% APYOct 13, 2026: 3.95% APYSep 18, 2026Oct 13, 2026
  • Oct 13, 20263.95%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
816 Washington Ave, Golden, CO 80401
Business Jumbo Certificates - 12 Month CD
$0
3.95% ▲ 0.67% above Colorado avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.28%▲ 0.67% above avgNationally 2.99%
Details

Rate History
No change since Oct 13, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 13, 2026: 3.95% APYOct 13, 2026Oct 13, 2026
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
816 Washington Ave, Golden, CO 80401
Jumbo IRA CD - 12 Months
$100,000
3.95% ▲ 0.67% above Colorado avg
View
▼
Rate3.88%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.28%▲ 0.67% above avgNationally 2.99%
Details

IRA restrictions apply; Minimum balance to earn lowest stated dividend $100,000.00; Early withdrawal penalties apply

Rate History
1 change since Sep 14, 2026 · 3.85% → 3.95% ▲ 0.10 pts · high 3.95% / low 3.85%
3.35%3.90%4.45%Sep 14, 2026: 3.85% APYOct 13, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.95%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
101 S 6th St, Dolores, CO 81323
Jumbo Certificates of Deposit & Greater - 1 Year
$0
3.91% ▲ 0.63% above Colorado avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.28%▲ 0.63% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.91% APY · checked 7 times
3.41%3.91%4.41%Sep 14, 2026: 3.91% APYSep 14, 2026Oct 13, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
12 Month Business CDs
$0
3.90% ▲ 0.62% above Colorado avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.28%▲ 0.62% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
12 Month Certificate of Deposit
$0
3.90% ▲ 0.62% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.28%▲ 0.62% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
12 Month HSA CD
$0
3.90% ▲ 0.62% above Colorado avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.28%▲ 0.62% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
12 Month IRA Jumbo CD
$0
3.90% ▲ 0.62% above Colorado avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.28%▲ 0.62% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Oct 13, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
12 Month Jumbo CD
$0
3.90% ▲ 0.62% above Colorado avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.28%▲ 0.62% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
12 Month Traditional CD
$0
3.90% ▲ 0.62% above Colorado avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.28%▲ 0.62% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
12 Month Youth CD
$0
3.90% ▲ 0.62% above Colorado avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.28%▲ 0.62% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
12 Month Youth Certificate of Deposit
$0
3.90% ▲ 0.62% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.28%▲ 0.62% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
IRA Jumbo CDs - 12 Months
$100,000
3.90% ▲ 0.62% above Colorado avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.28%▲ 0.62% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
Youth CD - 12 Months
$50
3.90% ▲ 0.62% above Colorado avg
View
▼
RateN/A
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.28%▲ 0.62% above avgNationally 2.99%
Details

Available for members 24 years old and younger-persons under the age of 18 require an adult owner on the account. Ability to make additional deposits of $25 or more during the term of your CD.

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2380 E Bridge St, Brighton, CO 80601
12 Month CDs & IRA Certificates of Deposit
$0
3.90% ▲ 0.62% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.28%▲ 0.62% above avgNationally 2.99%
Details

Balance: $500-$99,999.99

Rate History
1 change since Sep 18, 2026 · 3.65% → 3.90% ▲ 0.25 pts · high 3.90% / low 3.65%
3.15%3.78%4.40%Sep 18, 2026: 3.65% APYOct 10, 2026: 3.90% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20263.90%▲ from 3.65%
  • Sep 18, 20263.65%first recorded
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1075 Acoma St, Denver, CO 80204 4326
12 Months CD
$0
3.90% ▲ 0.62% above Colorado avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.28%▲ 0.62% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.90% ▲ 0.15 pts · high 3.90% / low 3.75%
3.25%3.83%4.40%Sep 14, 2026: 3.75% APYOct 10, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.90%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
5080 W 60th Ave, Arvada, CO 80003 6919
Share & IRA Certificates - 12 Month Term- Jumbo
$0
3.87% ▲ 0.59% above Colorado avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.28%▲ 0.59% above avgNationally 2.99%
Details

Jumbo; dividends compounded daily and credited monthly; early withdrawal penalties apply

Rate History
1 change since Sep 14, 2026 · 3.77% → 3.87% ▲ 0.10 pts · high 3.87% / low 3.77%
3.27%3.82%4.37%Sep 14, 2026: 3.77% APYOct 12, 2026: 3.87% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.87%▲ from 3.77%
  • Sep 14, 20263.77%first recorded
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.91%
116 Inverness Dr E, Englewood, CO 80112
1 Year IRA Certificate of Deposit (CD)
$1,000
3.87% ▲ 0.59% above Colorado avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Colorado Average3.28%▲ 0.59% above avgNationally 2.99%
Details

Balance: $1,000 - $24,999

Rate History
No change since Oct 9, 2026 · 3.87% APY · checked 3 times
3.37%3.87%4.37%Oct 9, 2026: 3.87% APYOct 9, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO 80017
12 Month IRA Certificates
$0
3.86% ▲ 0.58% above Colorado avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.28%▲ 0.58% above avgNationally 2.99%
Details

Rate History
No change since Oct 5, 2026 · 3.86% APY · checked 3 times
3.36%3.86%4.36%Oct 5, 2026: 3.86% APYOct 5, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO 80017
Certificates - 12 Month
$0
3.86% ▲ 0.58% above Colorado avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.28%▲ 0.58% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 14, 2026 · 3.79% → 3.86% ▲ 0.07 pts · high 3.86% / low 3.79%
3.29%3.82%4.36%Sep 14, 2026: 3.79% APYSep 25, 2026: 3.81% APYOct 5, 2026: 3.86% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.86%▲ from 3.81%
  • Sep 25, 20263.81%▲ from 3.79%
  • Sep 14, 20263.79%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO 80017
Certificates - YOUth Boost 12-Month
$0
3.86% ▲ 0.58% above Colorado avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.28%▲ 0.58% above avgNationally 2.99%
Details

Rate History
No change since Oct 13, 2026 · 3.86% APY
3.36%3.86%4.36%Oct 13, 2026: 3.86% APYOct 13, 2026Oct 13, 2026
Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
1615 E Evans Ave, Pueblo, CO 81004 3418
Share Certificate - 1 Year
$0
3.86% ▲ 0.58% above Colorado avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.28%▲ 0.58% above avgNationally 2.99%
Details

Balance: $50,000+

Rate History
No change since Sep 14, 2026 · 3.86% APY · checked 6 times
3.36%3.86%4.36%Sep 14, 2026: 3.86% APYSep 14, 2026Oct 13, 2026
Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
1615 E Evans Ave, Pueblo, CO 81004 3418
Share Certificates - 1 Year
$500
3.86% ▲ 0.58% above Colorado avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.28%▲ 0.58% above avgNationally 2.99%
Details

Balance: $50,000+

Rate History
No change since Sep 14, 2026 · 3.86% APY · checked 6 times
3.36%3.86%4.36%Sep 14, 2026: 3.86% APYSep 14, 2026Oct 13, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
155 Boardwalk Dr, Fort Collins, CO 80525
12 Month Certificate
$500
3.85% ▲ 0.57% above Colorado avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.28%▲ 0.57% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.85% ▲ 0.55 pts · high 3.85% / low 3.30%
2.75%3.58%4.40%Sep 14, 2026: 3.30% APYOct 7, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20263.85%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
4902 E Dry Creek Rd, Centennial, CO 80122
Jumbo Share Certificates - 1 Year
$0
3.85% ▲ 0.57% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.28%▲ 0.57% above avgNationally 2.99%
Details

Rate History
No change since Oct 5, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Oct 5, 2026: 3.85% APYOct 5, 2026Oct 13, 2026
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
6221 Sheridan Blvd, Arvada, CO 80003
Jumbo Certificates and IRAs - 12 Months
$0
3.85% ▲ 0.57% above Colorado avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.28%▲ 0.57% above avgNationally 2.99%
Details

Jumbo certificate; Minimum Balance to Open and Earn Interest $100,000

Rate History
No change since Oct 9, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 9, 2026: 3.85% APYOct 9, 2026Oct 13, 2026

Colorado 18 Month CD Rates

MonitorBankRates Colorado Average · 18 Month CD3.08% APY▼ 0.02% from last weekNational 2.87%
View 18-month CD rate trend

The average 18-month CD rate in Colorado is 3.08% APY, compared with 2.87% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1099 18th St, Denver, CO 80202
18 Month Certificate
$50,000
4.51% ▲ 1.43% above Colorado avg
View
▼
Rate4.51%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.08%▲ 1.43% above avgNationally 2.87%
Details

Interest paid quarterly via ACH to any account designated by the customer institution; Withdrawal before maturity is not permitted

Rate History
2 changes since Sep 14, 2026 · 4.21% → 4.51% ▲ 0.30 pts · high 4.51% / low 4.21%
3.71%4.36%5.01%Sep 14, 2026: 4.21% APYSep 24, 2026: 4.30% APYOct 7, 2026: 4.51% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.51%▲ from 4.30%
  • Sep 24, 20264.30%▲ from 4.21%
  • Sep 14, 20264.21%first recorded
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
8250 Razorback Rd, Colorado Springs, CO 80920
18-Month Certificate of Deposit
$500
4.40% ▲ 1.32% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.08%▲ 1.32% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 3.10% → 4.40% ▲ 1.30 pts · high 4.40% / low 3.10%
1.80%3.75%5.70%Sep 18, 2026: 3.10% APYOct 2, 2026: 4.40% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20264.40%▲ from 3.10%
  • Sep 18, 20263.10%first recorded
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
123 N College Ave, Fort Collins, CO 80524
18 Month Certificate of Deposit
$1,000
4.35% ▲ 1.27% above Colorado avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.08%▲ 1.27% above avgNationally 2.87%
Details

Rate History
2 changes since Sep 18, 2026 · 3.90% → 4.35% ▲ 0.45 pts · high 4.35% / low 3.90%
3.40%4.13%4.85%Sep 18, 2026: 3.90% APYSep 24, 2026: 4.05% APYOct 7, 2026: 4.35% APYSep 18, 2026Oct 13, 2026
  • Oct 7, 20264.35%▲ from 4.05%
  • Sep 24, 20264.05%▲ from 3.90%
  • Sep 18, 20263.90%first recorded
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
2480 W Alameda Ave, Denver, CO 80223
18-Month CD
$1,000
4.35% ▲ 1.27% above Colorado avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.08%▲ 1.27% above avgNationally 2.87%
Details

Rate History
2 changes since Sep 16, 2026 · 4.40% → 4.35% ▼ 0.05 pts · high 4.40% / low 4.25%
3.75%4.33%4.90%Sep 16, 2026: 4.40% APYOct 3, 2026: 4.25% APYOct 12, 2026: 4.35% APYSep 16, 2026Oct 13, 2026
  • Oct 12, 20264.35%▲ from 4.25%
  • Oct 3, 20264.25%▼ from 4.40%
  • Sep 16, 20264.40%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
101 Cook St, Denver, CO 80206
18 Month CD
$500
4.35% ▲ 1.27% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.08%▲ 1.27% above avgNationally 2.87%
Details

Rate History
1 change since Oct 6, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Oct 6, 2026: 4.15% APYOct 10, 2026: 4.35% APYOct 6, 2026Oct 13, 2026
  • Oct 10, 20264.35%▲ from 4.15%
  • Oct 6, 20264.15%first recorded
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
8400 E Prentice Ave, Greenwood Village, CO 80111
18 Month CD
$0
4.20% ▲ 1.12% above Colorado avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.08%▲ 1.12% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 7 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
Farmers State Bank of Calhan
Institution Rating:
A-4.3 ★Texas Ratio: 3.71%
1500 8th St, Calhan, CO 80808
18 Month Certificate Special
$500
4.10% ▲ 1.02% above Colorado avg
View
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.08%▲ 1.02% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 7, 2026: 4.10% APYOct 7, 2026Oct 13, 2026
Sunwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
4141 Sovereign Cir, Pueblo, CO 81005
18 Month Certificate
$0
4.10% ▲ 1.02% above Colorado avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.08%▲ 1.02% above avgNationally 2.87%
Details

Balance: $500-$24,999.99; Dividends Credited: Monthly

Rate History
1 change since Sep 22, 2026 · 3.45% → 4.10% ▲ 0.65 pts · high 4.10% / low 3.45%
2.80%3.78%4.75%Sep 22, 2026: 3.45% APYOct 1, 2026: 4.10% APYSep 22, 2026Oct 13, 2026
  • Oct 1, 20264.10%▲ from 3.45%
  • Sep 22, 20263.45%first recorded
Yuma County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
401 MAIN ST, WRAY, CO 80758 1724
18 Month Certificates of Deposit
$50,000
4.08% ▲ 1.00% above Colorado avg
View
▼
Rate4.00%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.08%▲ 1.00% above avgNationally 2.87%
Details

Dividends compounded and credited semi-yearly; APY assumes dividends remain until maturity; penalty may be imposed for early withdrawal

Rate History
No change since Sep 25, 2026 · 4.08% APY · checked 4 times
3.58%4.08%4.58%Sep 25, 2026: 4.08% APYSep 25, 2026Oct 13, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
155 Boardwalk Dr, Fort Collins, CO 80525
18 Month Certificate
$500
3.85% ▲ 0.77% above Colorado avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.08%▲ 0.77% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.05% → 3.85% ▲ 0.80 pts · high 3.85% / low 3.05%
2.25%3.45%4.65%Sep 14, 2026: 3.05% APYOct 7, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20263.85%▲ from 3.05%
  • Sep 14, 20263.05%first recorded
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2380 E Bridge St, Brighton, CO 80601
18 Month CDs & IRA Certificates of Deposit
$0
3.85% ▲ 0.77% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.08%▲ 0.77% above avgNationally 2.87%
Details

Balance: $100,000 +

Rate History
1 change since Sep 18, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65%
3.15%3.75%4.35%Sep 18, 2026: 3.65% APYOct 10, 2026: 3.85% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20263.85%▲ from 3.65%
  • Sep 18, 20263.65%first recorded
Yuma County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
401 MAIN ST, WRAY, CO 80758 1724
18 Month Certificates of Deposit
$10,000
3.82% ▲ 0.74% above Colorado avg
View
▼
Rate3.75%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.08%▲ 0.74% above avgNationally 2.87%
Details

Minimum Deposit $10,000.00

Rate History
1 change since Sep 25, 2026 · 4.08% → 3.82% ▼ 0.26 pts · high 4.08% / low 3.82%
3.32%3.95%4.58%Sep 25, 2026: 4.08% APYOct 12, 2026: 3.82% APYSep 25, 2026Oct 13, 2026
  • Oct 12, 20263.82%▼ from 4.08%
  • Sep 25, 20264.08%first recorded
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
101 S 6th St, Dolores, CO 81323
Jumbo Certificates of Deposit & Greater - 18 Month
$0
3.80% ▲ 0.72% above Colorado avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.08%▲ 0.72% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
North Valley Bank Thornton, CO
Institution Rating:
A5.0 ★Texas Ratio: 13.05%
9001 Washington St, Thornton, CO 80229
18 Month Fixed Rate CD
$100,000
3.80% ▲ 0.72% above Colorado avg
View
▼
Rate3.75%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.08%▲ 0.72% above avgNationally 2.87%
Details

Rate History
No change since Sep 15, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 15, 2026: 3.80% APYSep 15, 2026Oct 13, 2026
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
6384 Wetzel Ave, Fort Carson, CO 80913
18 Month Certificate of Deposit
$500
3.75% ▲ 0.67% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.08%▲ 0.67% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 2.35% → 3.75% ▲ 1.40 pts · high 3.75% / low 2.35%
0.95%3.05%5.15%Sep 14, 2026: 2.35% APYOct 2, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 2, 20263.75%▲ from 2.35%
  • Sep 14, 20262.35%first recorded
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2380 E Bridge St, Brighton, CO 80601
18 Month CDs & IRA Certificates of Deposit
$0
3.75% ▲ 0.67% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.08%▲ 0.67% above avgNationally 2.87%
Details

Balance: $500-$99,999.99

Rate History
1 change since Sep 18, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55%
3.05%3.65%4.25%Sep 18, 2026: 3.55% APYOct 10, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20263.75%▲ from 3.55%
  • Sep 18, 20263.55%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO 80017
18 Month ESA EasyStart Certificate
$50
3.70% ▲ 0.62% above Colorado avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.08%▲ 0.62% above avgNationally 2.87%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 6, 2026: 3.70% APYOct 6, 2026Oct 13, 2026
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
120 S Wilcox St, Castle Rock, CO 80104
18 Month CD
$0
3.60% ▲ 0.52% above Colorado avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.08%▲ 0.52% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 8 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Holyoke Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
101 W Denver St, Holyoke, CO 80734 1427
18 Month CD
$50,000
3.60% ▲ 0.52% above Colorado avg
View
▼
Rate3.55%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.08%▲ 0.52% above avgNationally 2.87%
Details

Rate History
1 change since Sep 25, 2026 · 3.44% → 3.60% ▲ 0.15 pts · high 3.60% / low 3.44%
2.94%3.52%4.10%Sep 25, 2026: 3.44% APYOct 4, 2026: 3.60% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20263.60%▲ from 3.44%
  • Sep 25, 20263.44%first recorded
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
303 N Main St, Gunnison, CO 81230
18 Month (Variable Rate) IRA
$500
3.57% ▲ 0.49% above Colorado avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.08%▲ 0.49% above avgNationally 2.87%
Details

Variable Rate

Rate History
No change since Oct 7, 2026 · 3.57% APY · checked 2 times
3.07%3.57%4.07%Oct 7, 2026: 3.57% APYOct 7, 2026Oct 13, 2026
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
303 N Main St, Gunnison, CO 81230
18 Month Certificate
$500
3.57% ▲ 0.49% above Colorado avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.08%▲ 0.49% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 3.57% ▲ 0.01 pts · high 3.57% / low 3.56%
3.06%3.57%4.07%Sep 14, 2026: 3.56% APYOct 7, 2026: 3.57% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20263.57%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Yuma County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
401 MAIN ST, WRAY, CO 80758 1724
18 Month Certificate of Deposit
$500
3.56% ▲ 0.48% above Colorado avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.08%▲ 0.48% above avgNationally 2.87%
Details

Rate History
No change since Sep 25, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Sep 25, 2026: 3.56% APYSep 25, 2026Oct 13, 2026
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
101 S 6th St, Dolores, CO 81323
18 Month CD
$1,000
3.55% ▲ 0.47% above Colorado avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.08%▲ 0.47% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
North Valley Bank Thornton, CO
Institution Rating:
A5.0 ★Texas Ratio: 13.05%
9001 Washington St, Thornton, CO 80229
18 Month Fixed Rate CD
$100
3.55% ▲ 0.47% above Colorado avg
View
▼
Rate3.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.08%▲ 0.47% above avgNationally 2.87%
Details

Rate History
No change since Sep 15, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 15, 2026: 3.55% APYSep 15, 2026Oct 13, 2026
Aurora Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.93%
15151 E Alameda Pkwy, Aurora, CO 80012
18 Month Super Jumbo Certificates
$0
3.55% ▲ 0.47% above Colorado avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.08%▲ 0.47% above avgNationally 2.87%
Details

Penalty may be imposed for early withdrawal

Rate History
No change since Oct 5, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 5, 2026: 3.55% APYOct 5, 2026Oct 13, 2026
Holyoke Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
101 W Denver St, Holyoke, CO 80734 1427
18 Month CD
$10,000
3.55% ▲ 0.47% above Colorado avg
View
▼
Rate3.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.08%▲ 0.47% above avgNationally 2.87%
Details

Rate History
1 change since Sep 25, 2026 · 3.39% → 3.55% ▲ 0.15 pts · high 3.55% / low 3.39%
2.89%3.47%4.05%Sep 25, 2026: 3.39% APYOct 4, 2026: 3.55% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20263.55%▲ from 3.39%
  • Sep 25, 20263.39%first recorded
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
760 Rood Ave, Grand Junction, CO 81501 3408
CD 18 Month
$10,000
3.50% ▲ 0.42% above Colorado avg
View
▼
Rate3.45%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.08%▲ 0.42% above avgNationally 2.87%
Details

$10,000 Minimum

Rate History
No change since Sep 16, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 16, 2026: 3.50% APYSep 16, 2026Oct 13, 2026
Aurora Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.93%
15151 E Alameda Pkwy, Aurora, CO 80012
Jumbo Certificates - 18 Month
$0
3.50% ▲ 0.42% above Colorado avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.08%▲ 0.42% above avgNationally 2.87%
Details

Jumbo Certificates - $10,000; Penalty may be imposed for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Meritrust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
5505 Arapahoe Ave, Boulder, CO 80303
18 Month Share and IRA Certificates
$0
3.50% ▲ 0.42% above Colorado avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.08%▲ 0.42% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Foothills Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.96%
7990 W Alameda Ave, Lakewood, CO 80226
Certificate of Deposit - 18 Month
$0
3.50% ▲ 0.42% above Colorado avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.08%▲ 0.42% above avgNationally 2.87%
Details

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 13, 2026
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 10.44%
1010 Johnson Rd Ste 120, Golden, CO 80401 6041
Certificate - 18 Month
$500
3.50% ▲ 0.42% above Colorado avg
View
▼
Rate3.46%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.08%▲ 0.42% above avgNationally 2.87%
Details

Certificates & IRA Certificates; Penalties for early withdrawal may apply and may reduce earnings

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 13, 2026
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 10.44%
1010 Johnson Rd Ste 120, Golden, CO 80401 6041
Certificates & IRA Certificates - 18 Month
$500
3.50% ▲ 0.42% above Colorado avg
View
▼
Rate3.46%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.08%▲ 0.42% above avgNationally 2.87%
Details

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 13, 2026
Aurora Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.93%
15151 E Alameda Pkwy, Aurora, CO 80012
Term Certificate - 18 Month
$500
3.45% ▲ 0.37% above Colorado avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.08%▲ 0.37% above avgNationally 2.87%
Details

Penalty may be imposed for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 7 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
Options Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.43%
5935 S Zang St, Littleton, CO 80127
18 Month Certificates (CD) - Premier
$500
3.40% ▲ 0.32% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.08%▲ 0.32% above avgNationally 2.87%
Details

Penalty: 180 days interest; Compounds monthly

Rate History
No change since Oct 9, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 9, 2026: 3.40% APYOct 9, 2026Oct 13, 2026
Sterling Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
822 W Main St, Sterling, CO 80751
18 Month IRA Certificate
$1,000
3.35% ▲ 0.27% above Colorado avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.08%▲ 0.27% above avgNationally 2.87%
Details

Rate History
No change since Sep 25, 2026 · 3.35% APY · checked 4 times
2.85%3.35%3.85%Sep 25, 2026: 3.35% APYSep 25, 2026Oct 13, 2026
Sterling Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
822 W Main St, Sterling, CO 80751
18 Month Share Certificate
$1,000
3.35% ▲ 0.27% above Colorado avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.08%▲ 0.27% above avgNationally 2.87%
Details

Rate History
No change since Sep 25, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Sep 25, 2026: 3.35% APYSep 25, 2026Oct 13, 2026
Northern Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
2901 S 27TH AVE, GREELEY, CO 80631
18 MONTH IRA CERT
$1,000
3.35% ▲ 0.27% above Colorado avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.08%▲ 0.27% above avgNationally 2.87%
Details

IRA CD Rates - Effective Tuesday, October 13, 2026

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1520 E Mulberry St, Fort Collins, CO 80524 3501
Member Merits (Gold) 18 Month Certificate
$0
3.30% ▲ 0.22% above Colorado avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.08%▲ 0.22% above avgNationally 2.87%
Details

Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 13, 2026
Equitable Savings and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
221 N 3rd St, Sterling, CO 80751
IRA 18 MONTH CD
$100
3.25% ▲ 0.17% above Colorado avg
View
▼
Rate3.20%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.08%▲ 0.17% above avgNationally 2.87%
Details

Penalty: 6 MO

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1520 E Mulberry St, Fort Collins, CO 80524 3501
18 Month Certificate
$0
3.25% ▲ 0.17% above Colorado avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.08%▲ 0.17% above avgNationally 2.87%
Details

Balance: $1,000 minimum

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25%
2.75%3.28%3.80%Sep 14, 2026: 3.30% APYSep 18, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.25%▼ from 3.30%
  • Sep 14, 20263.30%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1520 E Mulberry St, Fort Collins, CO 80524 3501
Business 18 Month Certificate
$0
3.25% ▲ 0.17% above Colorado avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.08%▲ 0.17% above avgNationally 2.87%
Details

Dividend Rate column for Business Certificate of Deposit (CD) Rates

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
13559 Huron St, Westminster, CO 80234 1161
18 Month IRA Share Certificates
$0
3.25% ▲ 0.17% above Colorado avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.08%▲ 0.17% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
13559 Huron St, Westminster, CO 80234 1161
IRA Share Certificates to $24,999.99 - 18 Month
$0
3.25% ▲ 0.17% above Colorado avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.08%▲ 0.17% above avgNationally 2.87%
Details

Rate History
No change since Oct 10, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 10, 2026: 3.25% APYOct 10, 2026Oct 13, 2026
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
13559 Huron St, Westminster, CO 80234 1161
IRA Share Certificates to $49,999.99 - 18 Month
$0
3.25% ▲ 0.17% above Colorado avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.08%▲ 0.17% above avgNationally 2.87%
Details

Rate History
No change since Oct 10, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 10, 2026: 3.25% APYOct 10, 2026Oct 13, 2026
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
13559 Huron St, Westminster, CO 80234 1161
IRA Share Certificates to $9,999.99 - 18 Month
$0
3.25% ▲ 0.17% above Colorado avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.08%▲ 0.17% above avgNationally 2.87%
Details

Rate History
No change since Oct 10, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 10, 2026: 3.25% APYOct 10, 2026Oct 13, 2026
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1549 E Abriendo Ave, Pueblo, CO 81004 3403
18 Month Certificate
$500
3.24% ▲ 0.16% above Colorado avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 1, 2026
Colorado Average3.08%▲ 0.16% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.24% APY · checked 5 times
2.74%3.24%3.74%Sep 14, 2026: 3.24% APYSep 14, 2026Oct 13, 2026
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1549 E Abriendo Ave, Pueblo, CO 81004 3403
18 Month IRA Certificate
$1,000
3.24% ▲ 0.16% above Colorado avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 1, 2026
Colorado Average3.08%▲ 0.16% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.24% APY · checked 5 times
2.74%3.24%3.74%Sep 14, 2026: 3.24% APYSep 14, 2026Oct 13, 2026
First FarmBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
2939 65th Ave, Greeley, CO 80634
18 Month Certificate
$1,000
3.20% ▲ 0.12% above Colorado avg
View
▼
Rate3.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.08%▲ 0.12% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Oct 7, 2026: 3.20% APYOct 7, 2026Oct 13, 2026
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
8205 Wellington Blvd, Wellington, CO 80549
18 Month Certificates and IRA Share Certificates
$500
3.20% ▲ 0.12% above Colorado avg
View
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.08%▲ 0.12% above avgNationally 2.87%
Details

Pay monthly; Share Certificates may be added to in $100 increments up to an additional $5,000 during the term

Rate History
No change since Oct 12, 2026 · 3.20% APY
2.70%3.20%3.70%Oct 12, 2026: 3.20% APYOct 12, 2026Oct 13, 2026
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
8205 Wellington Blvd, Wellington, CO 80549
Business Certificate - 18 months
$500
3.20% ▲ 0.12% above Colorado avg
View
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.08%▲ 0.12% above avgNationally 2.87%
Details

Rate History
No change since Oct 12, 2026 · 3.20% APY
2.70%3.20%3.70%Oct 12, 2026: 3.20% APYOct 12, 2026Oct 13, 2026

Colorado 24 Month CD Rates

MonitorBankRates Colorado Average · 24 Month CD3.07% APY▲ 0.06% from last weekNational 2.88%
View 24-month CD rate trend

The average 24-month CD rate in Colorado is 3.07% APY, compared with 2.88% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
5Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
104 S Cascade Ave, Colorado Springs, CO 80903
24 Month Variable IRA
$250
4.86% ▲ 1.80% above Colorado avg
View
▼
Rate4.75%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.07%▲ 1.80% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.39% → 4.86% ▲ 0.47 pts · high 4.86% / low 4.39%
3.89%4.63%5.36%Sep 14, 2026: 4.39% APYOct 11, 2026: 4.86% APYSep 14, 2026Oct 13, 2026
  • Oct 11, 20264.86%▲ from 4.39%
  • Sep 14, 20264.39%first recorded
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1099 18th St, Denver, CO 80202
24 Month Certificate
$50,000
4.55% ▲ 1.48% above Colorado avg
View
▼
Rate4.55%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.07%▲ 1.48% above avgNationally 2.88%
Details

Interest paid quarterly via ACH to any account designated by the customer institution; Withdrawal before maturity is not permitted

Rate History
2 changes since Sep 14, 2026 · 4.23% → 4.55% ▲ 0.32 pts · high 4.55% / low 4.23%
3.73%4.39%5.05%Sep 14, 2026: 4.23% APYSep 24, 2026: 4.32% APYOct 7, 2026: 4.55% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.55%▲ from 4.32%
  • Sep 24, 20264.32%▲ from 4.23%
  • Sep 14, 20264.23%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
101 Cook St, Denver, CO 80206
24 Month CD
$500
4.40% ▲ 1.34% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.07%▲ 1.34% above avgNationally 2.88%
Details

Rate History
1 change since Oct 6, 2026 · 4.25% → 4.40% ▲ 0.15 pts · high 4.40% / low 4.25%
3.75%4.33%4.90%Oct 6, 2026: 4.25% APYOct 10, 2026: 4.40% APYOct 6, 2026Oct 13, 2026
  • Oct 10, 20264.40%▲ from 4.25%
  • Oct 6, 20264.25%first recorded
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
22 Town Plz, Durango, CO 81301 5104
24 Month Term Certificates
$0
4.11% ▲ 1.05% above Colorado avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.07%▲ 1.05% above avgNationally 2.88%
Details

Dividend Rate 4.03%; APY if dividends are not withdrawn during the term

Rate History
No change since Sep 14, 2026 · 4.11% APY · checked 5 times
3.61%4.11%4.61%Sep 14, 2026: 4.11% APYSep 14, 2026Oct 13, 2026
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
8400 E Prentice Ave, Greenwood Village, CO 80111
24 Month CD
$0
4.10% ▲ 1.03% above Colorado avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.07%▲ 1.03% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
Fellowship Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
803 E Olive St, Lamar, CO 81052
24 Month Certificate of Deposit
$500
4.07% ▲ 1.01% above Colorado avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.07%▲ 1.01% above avgNationally 2.88%
Details

1% penalty for early withdrawal; 10 days after the CD renews before a penalty

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 5 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
816 Washington Ave, Golden, CO 80401
24 Month JUMBO certificates
$100,000
4.05% ▲ 0.98% above Colorado avg
View
▼
Rate4.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.07%▲ 0.98% above avgNationally 2.88%
Details

Effective: October 1, 2026

Rate History
1 change since Sep 18, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95%
3.45%4.00%4.55%Sep 18, 2026: 3.95% APYOct 13, 2026: 4.05% APYSep 18, 2026Oct 13, 2026
  • Oct 13, 20264.05%▲ from 3.95%
  • Sep 18, 20263.95%first recorded
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
816 Washington Ave, Golden, CO 80401
Jumbo IRA CD - 24 Months
$100,000
4.05% ▲ 0.98% above Colorado avg
View
▼
Rate4.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.07%▲ 0.98% above avgNationally 2.88%
Details

IRA restrictions apply; Minimum balance to earn lowest stated dividend $100,000.00; Early withdrawal penalties apply

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95%
3.45%4.00%4.55%Sep 14, 2026: 3.95% APYOct 13, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.05%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO 80017
Bonus Certificates - 24 Month
$0
4.02% ▲ 0.95% above Colorado avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.07%▲ 0.95% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.96% → 4.02% ▲ 0.06 pts · high 4.02% / low 3.96%
3.46%3.99%4.52%Sep 14, 2026: 3.96% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO 80017
Bonus IRA Certificates - 24 Month
$0
4.02% ▲ 0.95% above Colorado avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.07%▲ 0.95% above avgNationally 2.88%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
2 changes since Sep 14, 2026 · 3.96% → 4.02% ▲ 0.06 pts · high 4.02% / low 3.96%
3.46%3.99%4.52%Sep 14, 2026: 3.96% APYSep 25, 2026: 3.97% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
24 Month Business CDs
$0
4.00% ▲ 0.94% above Colorado avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.07%▲ 0.94% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
24 Month HSA CD
$0
4.00% ▲ 0.94% above Colorado avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.07%▲ 0.94% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
24 Month Traditional CD
$0
4.00% ▲ 0.94% above Colorado avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.07%▲ 0.94% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1075 Acoma St, Denver, CO 80204 4326
24 Months CD
$0
4.00% ▲ 0.94% above Colorado avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.07%▲ 0.94% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.40% → 4.00% ▲ 0.60 pts · high 4.00% / low 3.40%
2.80%3.70%4.60%Sep 14, 2026: 3.40% APYOct 10, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Farmers State Bank of Calhan
Institution Rating:
A-4.3 ★Texas Ratio: 3.71%
1500 8th St, Calhan, CO 80808
2 Year Certificate
$500
3.95% ▲ 0.89% above Colorado avg
View
▼
Rate3.89%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.07%▲ 0.89% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 7, 2026: 3.95% APYOct 7, 2026Oct 13, 2026
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
816 Washington Ave, Golden, CO 80401
24 Month Term Certificates
$500
3.95% ▲ 0.89% above Colorado avg
View
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.07%▲ 0.89% above avgNationally 2.88%
Details

Early withdrawal penalties apply; Dividend withdrawal allowed; Additional deposits not permitted; Dividends compounded monthly, credited monthly; Effective: October 1, 2026

Rate History
1 change since Sep 14, 2026 · 3.85% → 3.95% ▲ 0.10 pts · high 3.95% / low 3.85%
3.35%3.90%4.45%Sep 14, 2026: 3.85% APYOct 9, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.95%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
816 Washington Ave, Golden, CO 80401
IRA Certificate (Traditional/Roth/SEP) - 24 Months
$500
3.95% ▲ 0.89% above Colorado avg
View
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.07%▲ 0.89% above avgNationally 2.88%
Details

traditional ira, roth ira and sep ira

Rate History
No change since Oct 13, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 13, 2026: 3.95% APYOct 13, 2026Oct 13, 2026
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2380 E Bridge St, Brighton, CO 80601
24 Month CDs & IRA Certificates of Deposit
$0
3.95% ▲ 0.89% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.07%▲ 0.89% above avgNationally 2.88%
Details

Balance: $100,000 +

Rate History
1 change since Sep 18, 2026 · 3.65% → 3.95% ▲ 0.30 pts · high 3.95% / low 3.65%
3.15%3.80%4.45%Sep 18, 2026: 3.65% APYOct 10, 2026: 3.95% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20263.95%▲ from 3.65%
  • Sep 18, 20263.65%first recorded
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.91%
116 Inverness Dr E, Englewood, CO 80112
2 Year Clean Energy Certificate of Deposit (CD)
$1,000
3.92% ▲ 0.86% above Colorado avg
View
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Colorado Average3.07%▲ 0.86% above avgNationally 2.88%
Details

Balance: $100,000

Rate History
No change since Sep 18, 2026 · 3.92% APY · checked 4 times
3.42%3.92%4.42%Sep 18, 2026: 3.92% APYSep 18, 2026Oct 13, 2026
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.91%
116 Inverness Dr E, Englewood, CO 80112
2 Year IRA Certificate of Deposit (CD)
$1,000
3.92% ▲ 0.86% above Colorado avg
View
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Colorado Average3.07%▲ 0.86% above avgNationally 2.88%
Details

Balance: $100,000

Rate History
No change since Oct 9, 2026 · 3.92% APY · checked 3 times
3.42%3.92%4.42%Oct 9, 2026: 3.92% APYOct 9, 2026Oct 13, 2026
Wings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
7250 Campus Dr, Colorado Springs, CO 80920 6517
24 Month Standard CD
$0
3.90% ▲ 0.84% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.07%▲ 0.84% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO 80017
Certificates - 24 Month
$0
3.86% ▲ 0.79% above Colorado avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.07%▲ 0.79% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 14, 2026 · 3.80% → 3.86% ▲ 0.06 pts · high 3.86% / low 3.80%
3.30%3.83%4.36%Sep 14, 2026: 3.80% APYSep 25, 2026: 3.81% APYOct 9, 2026: 3.86% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.86%▲ from 3.81%
  • Sep 25, 20263.81%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2380 E Bridge St, Brighton, CO 80601
24 Month CDs & IRA Certificates of Deposit
$0
3.85% ▲ 0.79% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.07%▲ 0.79% above avgNationally 2.88%
Details

Balance: $500-$99,999.99

Rate History
1 change since Sep 18, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55%
3.05%3.70%4.35%Sep 18, 2026: 3.55% APYOct 10, 2026: 3.85% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20263.85%▲ from 3.55%
  • Sep 18, 20263.55%first recorded
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
303 N Main St, Gunnison, CO 81230
2 Year Certificate
$500
3.83% ▲ 0.77% above Colorado avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.07%▲ 0.77% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.57% → 3.83% ▲ 0.26 pts · high 3.83% / low 3.57%
3.07%3.70%4.33%Sep 14, 2026: 3.57% APYSep 24, 2026: 3.83% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20263.83%▲ from 3.57%
  • Sep 14, 20263.57%first recorded
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
303 N Main St, Gunnison, CO 81230
2 Years IRA
$500
3.83% ▲ 0.77% above Colorado avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.07%▲ 0.77% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.83% APY · checked 2 times
3.33%3.83%4.33%Oct 7, 2026: 3.83% APYOct 7, 2026Oct 13, 2026
Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
12 Lakeside Ln, Denver, CO 80212 7413
24 Month Share/IRA/HSA Certificates
$0
3.82% ▲ 0.75% above Colorado avg
View
▼
Rate3.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.07%▲ 0.75% above avgNationally 2.88%
Details

Rate History
1 change since Sep 25, 2026 · 3.65% → 3.82% ▲ 0.17 pts · high 3.82% / low 3.65%
3.15%3.74%4.32%Sep 25, 2026: 3.65% APYOct 12, 2026: 3.82% APYSep 25, 2026Oct 13, 2026
  • Oct 12, 20263.82%▲ from 3.65%
  • Sep 25, 20263.65%first recorded
Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
12 Lakeside Ln, Denver, CO 80212 7413
Share/IRA/HSA Certificates - 24 months
$500
3.82% ▲ 0.75% above Colorado avg
View
▼
Rate3.76%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.07%▲ 0.75% above avgNationally 2.88%
Details

$500 Minimum

Rate History
No change since Oct 8, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 8, 2026: 3.82% APYOct 8, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO 80017
24 Month IRA Certificates
$0
3.82% ▲ 0.75% above Colorado avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.07%▲ 0.75% above avgNationally 2.88%
Details

Rate History
1 change since Oct 5, 2026 · 3.81% → 3.82% ▲ 0.01 pts · high 3.82% / low 3.81%
3.31%3.82%4.32%Oct 5, 2026: 3.81% APYOct 9, 2026: 3.82% APYOct 5, 2026Oct 13, 2026
  • Oct 9, 20263.82%▲ from 3.81%
  • Oct 5, 20263.81%first recorded
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.91%
116 Inverness Dr E, Englewood, CO 80112
2 Year Clean Energy Certificate of Deposit (CD)
$1,000
3.82% ▲ 0.75% above Colorado avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Colorado Average3.07%▲ 0.75% above avgNationally 2.88%
Details

Balance: $25,000 - $99,999

Rate History
No change since Sep 18, 2026 · 3.82% APY · checked 4 times
3.32%3.82%4.32%Sep 18, 2026: 3.82% APYSep 18, 2026Oct 13, 2026
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.91%
116 Inverness Dr E, Englewood, CO 80112
2 Year IRA Certificate of Deposit (CD)
$1,000
3.82% ▲ 0.75% above Colorado avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Colorado Average3.07%▲ 0.75% above avgNationally 2.88%
Details

Balance: $25,000 - $99,999

Rate History
No change since Oct 9, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Oct 9, 2026: 3.82% APYOct 9, 2026Oct 13, 2026
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
600 S Lincoln Ave, Steamboat Springs, CO 80487
24 Month Time Certificates - Fixed Rate
$0
3.75% ▲ 0.69% above Colorado avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.07%▲ 0.69% above avgNationally 2.88%
Details

Rate History
1 change since Sep 19, 2026 · 3.00% → 3.75% ▲ 0.75 pts · high 3.75% / low 3.00%
2.25%3.38%4.50%Sep 19, 2026: 3.00% APYSep 24, 2026: 3.75% APYSep 19, 2026Oct 13, 2026
  • Sep 24, 20263.75%▲ from 3.00%
  • Sep 19, 20263.00%first recorded
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
600 S Lincoln Ave, Steamboat Springs, CO 80487
IRA (Roth & Traditional) - Fixed Rate 24 months
$0
3.75% ▲ 0.69% above Colorado avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.07%▲ 0.69% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.75% ▲ 0.75 pts · high 3.75% / low 3.00%
2.25%3.38%4.50%Sep 14, 2026: 3.00% APYSep 24, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20263.75%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
6221 Sheridan Blvd, Arvada, CO 80003
Consumer and Business Regular and IRA Certificates of Deposit (CDs) - 24 Months
$500
3.75% ▲ 0.69% above Colorado avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.07%▲ 0.69% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 13, 2026
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.91%
116 Inverness Dr E, Englewood, CO 80112
2 Year Clean Energy Certificate of Deposit (CD)
$1,000
3.71% ▲ 0.65% above Colorado avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Colorado Average3.07%▲ 0.65% above avgNationally 2.88%
Details

Balance: $1,000 - $24,999

Rate History
No change since Sep 18, 2026 · 3.71% APY · checked 4 times
3.21%3.71%4.21%Sep 18, 2026: 3.71% APYSep 18, 2026Oct 13, 2026
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.91%
116 Inverness Dr E, Englewood, CO 80112
2 Year IRA Certificate of Deposit (CD)
$1,000
3.71% ▲ 0.65% above Colorado avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Colorado Average3.07%▲ 0.65% above avgNationally 2.88%
Details

Balance: $1,000 - $24,999

Rate History
No change since Oct 9, 2026 · 3.71% APY · checked 3 times
3.21%3.71%4.21%Oct 9, 2026: 3.71% APYOct 9, 2026Oct 13, 2026
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
101 S 6th St, Dolores, CO 81323
Jumbo Certificates of Deposit & Greater - 2 Year
$0
3.70% ▲ 0.64% above Colorado avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.07%▲ 0.64% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
5080 W 60th Ave, Arvada, CO 80003 6919
Share & IRA Certificates - 24 Month Term- Jumbo
$0
3.67% ▲ 0.61% above Colorado avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.07%▲ 0.61% above avgNationally 2.88%
Details

Jumbo; dividends compounded daily and credited monthly; early withdrawal penalties apply

Rate History
1 change since Sep 14, 2026 · 3.61% → 3.67% ▲ 0.06 pts · high 3.67% / low 3.61%
3.11%3.64%4.17%Sep 14, 2026: 3.61% APYOct 12, 2026: 3.67% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.67%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
4902 E Dry Creek Rd, Centennial, CO 80122
2 Year Jumbo Share Certificates
$0
3.65% ▲ 0.59% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.07%▲ 0.59% above avgNationally 2.88%
Details

Minimum Balance to Earn Dividends: $100,000.00

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 14, 2026: 3.50% APYSep 25, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20263.65%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
4902 E Dry Creek Rd, Centennial, CO 80122
Jumbo Share Certificates - 2 Years
$0
3.65% ▲ 0.59% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.07%▲ 0.59% above avgNationally 2.88%
Details

Rate History
No change since Oct 5, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Oct 5, 2026: 3.65% APYOct 5, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO 80017
24 Month ESA EasyStart Certificate
$50
3.60% ▲ 0.54% above Colorado avg
View
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.07%▲ 0.54% above avgNationally 2.88%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 6, 2026: 3.60% APYOct 6, 2026Oct 13, 2026
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
6980 S Holly Cir, Centennial, CO 80112 1018
24 Month Certificate of Deposit
$100,000
3.60% ▲ 0.54% above Colorado avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.07%▲ 0.54% above avgNationally 2.88%
Details

Balance: $100,000.00 and over; Opening balance and minimum balance requirements are the same

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
1615 E Evans Ave, Pueblo, CO 81004 3418
2 Year Share Certificate
$0
3.60% ▲ 0.54% above Colorado avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.07%▲ 0.54% above avgNationally 2.88%
Details

Balance: $50,000 and over

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
1615 E Evans Ave, Pueblo, CO 81004 3418
Share Certificate - 2 Years
$0
3.60% ▲ 0.54% above Colorado avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.07%▲ 0.54% above avgNationally 2.88%
Details

Balance: $50,000+

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
1615 E Evans Ave, Pueblo, CO 81004 3418
Share Certificates - 2 Years
$500
3.60% ▲ 0.54% above Colorado avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.07%▲ 0.54% above avgNationally 2.88%
Details

Balance: $50,000+

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1549 E Abriendo Ave, Pueblo, CO 81004 3403
24 Month Certificate
$500
3.60% ▲ 0.54% above Colorado avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 1, 2026
Colorado Average3.07%▲ 0.54% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1549 E Abriendo Ave, Pueblo, CO 81004 3403
24 Month IRA Certificate
$1,000
3.60% ▲ 0.54% above Colorado avg
View
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 1, 2026
Colorado Average3.07%▲ 0.54% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Yuma County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
401 MAIN ST, WRAY, CO 80758 1724
24 Month Certificates of Deposit
$50,000
3.56% ▲ 0.50% above Colorado avg
View
▼
Rate3.50%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.07%▲ 0.50% above avgNationally 2.88%
Details

Dividends compounded and credited semi-yearly; APY assumes dividends remain until maturity; penalty may be imposed for early withdrawal

Rate History
No change since Sep 25, 2026 · 3.56% APY · checked 4 times
3.06%3.56%4.06%Sep 25, 2026: 3.56% APYSep 25, 2026Oct 13, 2026
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
5080 W 60th Ave, Arvada, CO 80003 6919
Share & IRA Certificates - 24 Month Term
$0
3.56% ▲ 0.50% above Colorado avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.07%▲ 0.50% above avgNationally 2.88%
Details

Dividends compounded daily and credited monthly; early withdrawal penalties apply

Rate History
1 change since Sep 14, 2026 · 3.51% → 3.56% ▲ 0.05 pts · high 3.56% / low 3.51%
3.01%3.54%4.06%Sep 14, 2026: 3.51% APYOct 12, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.56%▲ from 3.51%
  • Sep 14, 20263.51%first recorded
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
4902 E Dry Creek Rd, Centennial, CO 80122
Regular IRA Share Certificates - 2 Years
$0
3.55% ▲ 0.48% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.07%▲ 0.48% above avgNationally 2.88%
Details

Balance: $1,000.00-$99,999.99

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.55% ▲ 0.15 pts · high 3.55% / low 3.40%
2.90%3.47%4.05%Sep 14, 2026: 3.40% APYOct 5, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.55%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
9053 Harlan St Ste 10, Westminster, CO 80031 2908
IRA Certificates (Traditional & Roth) - 2 Year
$1,000
3.55% ▲ 0.48% above Colorado avg
View
▼
Rate3.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.07%▲ 0.48% above avgNationally 2.88%
Details

Traditional & Roth IRA

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026

Colorado 36 Month CD Rates

MonitorBankRates Colorado Average · 36 Month CD3.04% APY▲ 0.05% from last weekNational 2.81%
View 36-month CD rate trend

The average 36-month CD rate in Colorado is 3.04% APY, compared with 2.81% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
5Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
104 S Cascade Ave, Colorado Springs, CO 80903
36 Month Variable IRA
$250
4.96% ▲ 1.92% above Colorado avg
View
▼
Rate4.85%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.04%▲ 1.92% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.44% → 4.96% ▲ 0.52 pts · high 4.96% / low 4.44%
3.92%4.70%5.48%Sep 14, 2026: 4.44% APYOct 11, 2026: 4.96% APYSep 14, 2026Oct 13, 2026
  • Oct 11, 20264.96%▲ from 4.44%
  • Sep 14, 20264.44%first recorded
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1099 18th St, Denver, CO 80202
36 Month Certificate
$50,000
4.50% ▲ 1.46% above Colorado avg
View
▼
Rate4.50%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.04%▲ 1.46% above avgNationally 2.81%
Details

Interest paid quarterly via ACH to any account designated by the customer institution; Withdrawal before maturity is not permitted

Rate History
2 changes since Sep 14, 2026 · 4.13% → 4.50% ▲ 0.37 pts · high 4.50% / low 4.13%
3.63%4.31%5.00%Sep 14, 2026: 4.13% APYSep 24, 2026: 4.25% APYOct 7, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.50%▲ from 4.25%
  • Sep 24, 20264.25%▲ from 4.13%
  • Sep 14, 20264.13%first recorded
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1075 Acoma St, Denver, CO 80204 4326
36 Months CD
$0
4.30% ▲ 1.26% above Colorado avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.04%▲ 1.26% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.30% ▲ 0.65 pts · high 4.30% / low 3.65%
3.00%3.97%4.95%Sep 14, 2026: 3.65% APYOct 10, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.30%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
816 Washington Ave, Golden, CO 80401
36 Month JUMBO certificates
$100,000
4.20% ▲ 1.16% above Colorado avg
View
▼
Rate4.12%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.04%▲ 1.16% above avgNationally 2.81%
Details

Effective: October 1, 2026

Rate History
1 change since Sep 18, 2026 · 4.10% → 4.20% ▲ 0.10 pts · high 4.20% / low 4.10%
3.60%4.15%4.70%Sep 18, 2026: 4.10% APYOct 13, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
  • Oct 13, 20264.20%▲ from 4.10%
  • Sep 18, 20264.10%first recorded
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
816 Washington Ave, Golden, CO 80401
Jumbo IRA CD - 36 Months
$100,000
4.20% ▲ 1.16% above Colorado avg
View
▼
Rate4.12%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.04%▲ 1.16% above avgNationally 2.81%
Details

IRA restrictions apply; Minimum balance to earn lowest stated dividend $100,000.00; Early withdrawal penalties apply

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.20% ▲ 0.10 pts · high 4.20% / low 4.10%
3.60%4.15%4.70%Sep 14, 2026: 4.10% APYOct 13, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.20%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO 80017
3 Year ESA Long-Term Certificate
$100,000
4.15% ▲ 1.11% above Colorado avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.04%▲ 1.11% above avgNationally 2.81%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO 80017
3 Year ESA Long-Term Certificate
$1,000
4.10% ▲ 1.06% above Colorado avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.04%▲ 1.06% above avgNationally 2.81%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 13, 2026
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
816 Washington Ave, Golden, CO 80401
36 Month Term Certificates
$500
4.10% ▲ 1.06% above Colorado avg
View
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.04%▲ 1.06% above avgNationally 2.81%
Details

Early withdrawal penalties apply; Dividend withdrawal allowed; Additional deposits not permitted; Dividends compounded monthly, credited monthly; Effective: October 1, 2026

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 14, 2026: 4.00% APYOct 9, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
816 Washington Ave, Golden, CO 80401
IRA Certificate (Traditional/Roth/SEP) - 36 Months
$500
4.10% ▲ 1.06% above Colorado avg
View
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.04%▲ 1.06% above avgNationally 2.81%
Details

traditional ira, roth ira and sep ira

Rate History
No change since Oct 13, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 13, 2026: 4.10% APYOct 13, 2026Oct 13, 2026
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
303 N Main St, Gunnison, CO 81230
3 Year Certificate
$500
4.09% ▲ 1.05% above Colorado avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.04%▲ 1.05% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.09% APY · checked 5 times
3.59%4.09%4.59%Sep 14, 2026: 4.09% APYSep 14, 2026Oct 13, 2026
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
8400 E Prentice Ave, Greenwood Village, CO 80111
36 Month CD
$0
4.05% ▲ 1.01% above Colorado avg
View
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.04%▲ 1.01% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 7 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
36 Month Business CDs
$0
4.05% ▲ 1.01% above Colorado avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.04%▲ 1.01% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 7 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
36 Month HSA CD
$0
4.05% ▲ 1.01% above Colorado avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.04%▲ 1.01% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 7 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
36 Month Traditional CD
$0
4.05% ▲ 1.01% above Colorado avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.04%▲ 1.01% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 7 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1075 Acoma St, Denver, CO 80204 4326
36 Months CD
$0
4.05% ▲ 1.01% above Colorado avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.04%▲ 1.01% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.05% ▲ 0.40 pts · high 4.05% / low 3.65%
3.15%3.85%4.55%Sep 14, 2026: 3.65% APYOct 10, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.05%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO 80017
Bonus Certificates - 36 Month
$0
4.02% ▲ 0.98% above Colorado avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.04%▲ 0.98% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.91% → 4.02% ▲ 0.11 pts · high 4.02% / low 3.91%
3.41%3.97%4.52%Sep 14, 2026: 3.91% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO 80017
Bonus IRA Certificates - 36 Month
$0
4.02% ▲ 0.98% above Colorado avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.04%▲ 0.98% above avgNationally 2.81%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
2 changes since Sep 14, 2026 · 3.91% → 4.02% ▲ 0.11 pts · high 4.02% / low 3.91%
3.41%3.97%4.52%Sep 14, 2026: 3.91% APYSep 25, 2026: 3.97% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2380 E Bridge St, Brighton, CO 80601
36 Month CDs & IRA Certificates of Deposit
$0
4.00% ▲ 0.96% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.04%▲ 0.96% above avgNationally 2.81%
Details

Balance: $100,000 +

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 18, 2026: 3.75% APYOct 10, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
12 Lakeside Ln, Denver, CO 80212 7413
36 Month Share/IRA/HSA Certificates
$0
3.90% ▲ 0.86% above Colorado avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.04%▲ 0.86% above avgNationally 2.81%
Details

Rate History
1 change since Sep 25, 2026 · 3.65% → 3.90% ▲ 0.25 pts · high 3.90% / low 3.65%
3.15%3.78%4.40%Sep 25, 2026: 3.65% APYOct 12, 2026: 3.90% APYSep 25, 2026Oct 13, 2026
  • Oct 12, 20263.90%▲ from 3.65%
  • Sep 25, 20263.65%first recorded
Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
12 Lakeside Ln, Denver, CO 80212 7413
Share/IRA/HSA Certificates - 36 months
$500
3.90% ▲ 0.86% above Colorado avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.04%▲ 0.86% above avgNationally 2.81%
Details

$500 Minimum

Rate History
No change since Oct 8, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 8, 2026: 3.90% APYOct 8, 2026Oct 13, 2026
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2380 E Bridge St, Brighton, CO 80601
36 Month CDs & IRA Certificates of Deposit
$0
3.90% ▲ 0.86% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.04%▲ 0.86% above avgNationally 2.81%
Details

Balance: $500-$99,999.99

Rate History
1 change since Sep 18, 2026 · 3.65% → 3.90% ▲ 0.25 pts · high 3.90% / low 3.65%
3.15%3.78%4.40%Sep 18, 2026: 3.65% APYOct 10, 2026: 3.90% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20263.90%▲ from 3.65%
  • Sep 18, 20263.65%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO 80017
36 Month IRA Certificates
$0
3.86% ▲ 0.82% above Colorado avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.04%▲ 0.82% above avgNationally 2.81%
Details

Rate History
1 change since Oct 5, 2026 · 3.81% → 3.86% ▲ 0.05 pts · high 3.86% / low 3.81%
3.31%3.84%4.36%Oct 5, 2026: 3.81% APYOct 9, 2026: 3.86% APYOct 5, 2026Oct 13, 2026
  • Oct 9, 20263.86%▲ from 3.81%
  • Oct 5, 20263.81%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO 80017
Certificates - 36 Month
$0
3.86% ▲ 0.82% above Colorado avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.04%▲ 0.82% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 14, 2026 · 3.76% → 3.86% ▲ 0.10 pts · high 3.86% / low 3.76%
3.26%3.81%4.36%Sep 14, 2026: 3.76% APYSep 21, 2026: 3.81% APYOct 9, 2026: 3.86% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.86%▲ from 3.81%
  • Sep 21, 20263.81%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
6221 Sheridan Blvd, Arvada, CO 80003
Consumer and Business Regular and IRA Certificates of Deposit (CDs) - 36 Months
$500
3.85% ▲ 0.81% above Colorado avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.04%▲ 0.81% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 13, 2026: 3.85% APYOct 13, 2026Oct 13, 2026
Wings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
7250 Campus Dr, Colorado Springs, CO 80920 6517
24 - 36 Month Flex CD
$1,000
3.75% ▲ 0.71% above Colorado avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.04%▲ 0.71% above avgNationally 2.81%
Details

Published APY range: 3.75% - 3.65%. Best for: The stability of a CD with the flexibility to save on your terms Bump your rate once if rates go up Make a one-time withdrawal of up to 50% of your balance Make a one-time deposit of $1,000+ in the first 12 months

Rate History
1 change since Sep 18, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65%
3.15%3.70%4.25%Sep 18, 2026: 3.65% APYOct 10, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20263.75%▲ from 3.65%
  • Sep 18, 20263.65%first recorded
Wings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
7250 Campus Dr, Colorado Springs, CO 80920 6517
36 Month Flex Certificate
$0
3.75% ▲ 0.71% above Colorado avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.04%▲ 0.71% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
101 S 6th St, Dolores, CO 81323
Jumbo Certificates of Deposit & Greater - 3 Year
$0
3.70% ▲ 0.66% above Colorado avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.04%▲ 0.66% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
22 Town Plz, Durango, CO 81301 5104
36 Month Term Certificates
$0
3.65% ▲ 0.61% above Colorado avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.04%▲ 0.61% above avgNationally 2.81%
Details

Dividend Rate 3.59%; APY if dividends are not withdrawn during the term

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
4902 E Dry Creek Rd, Centennial, CO 80122
3 Year Jumbo Share Certificates
$0
3.65% ▲ 0.61% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.04%▲ 0.61% above avgNationally 2.81%
Details

Minimum Balance to Earn Dividends: $100,000.00

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 14, 2026: 3.50% APYSep 25, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20263.65%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
4902 E Dry Creek Rd, Centennial, CO 80122
Jumbo Share Certificates - 3 Years
$0
3.65% ▲ 0.61% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.04%▲ 0.61% above avgNationally 2.81%
Details

Rate History
No change since Oct 5, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Oct 5, 2026: 3.65% APYOct 5, 2026Oct 13, 2026
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 10.44%
1010 Johnson Rd Ste 120, Golden, CO 80401 6041
Certificate - 36 Month
$500
3.60% ▲ 0.56% above Colorado avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.04%▲ 0.56% above avgNationally 2.81%
Details

Certificates & IRA Certificates; Penalties for early withdrawal may apply and may reduce earnings

Rate History
No change since Oct 13, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 13, 2026
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 10.44%
1010 Johnson Rd Ste 120, Golden, CO 80401 6041
Certificates & IRA Certificates - 36 Month
$500
3.60% ▲ 0.56% above Colorado avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.04%▲ 0.56% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 13, 2026
Yuma County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
401 MAIN ST, WRAY, CO 80758 1724
36 Month Certificates of Deposit
$50,000
3.56% ▲ 0.52% above Colorado avg
View
▼
Rate3.50%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.04%▲ 0.52% above avgNationally 2.81%
Details

Dividends compounded and credited semi-yearly; APY assumes dividends remain until maturity; penalty may be imposed for early withdrawal

Rate History
No change since Sep 25, 2026 · 3.56% APY · checked 4 times
3.06%3.56%4.06%Sep 25, 2026: 3.56% APYSep 25, 2026Oct 13, 2026
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
600 S Lincoln Ave, Steamboat Springs, CO 80487
36 Month Time Certificates - Fixed Rate
$0
3.55% ▲ 0.51% above Colorado avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.04%▲ 0.51% above avgNationally 2.81%
Details

Rate History
1 change since Sep 19, 2026 · 2.80% → 3.55% ▲ 0.75 pts · high 3.55% / low 2.80%
2.05%3.18%4.30%Sep 19, 2026: 2.80% APYSep 24, 2026: 3.55% APYSep 19, 2026Oct 13, 2026
  • Sep 24, 20263.55%▲ from 2.80%
  • Sep 19, 20262.80%first recorded
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
600 S Lincoln Ave, Steamboat Springs, CO 80487
IRA (Roth & Traditional) - Fixed Rate 36 months
$0
3.55% ▲ 0.51% above Colorado avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.04%▲ 0.51% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 2.80% → 3.55% ▲ 0.75 pts · high 3.55% / low 2.80%
2.05%3.18%4.30%Sep 14, 2026: 2.80% APYSep 24, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20263.55%▲ from 2.80%
  • Sep 14, 20262.80%first recorded
Aurora Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.93%
15151 E Alameda Pkwy, Aurora, CO 80012
36 Month Super Jumbo Certificates
$0
3.55% ▲ 0.51% above Colorado avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.04%▲ 0.51% above avgNationally 2.81%
Details

Penalty may be imposed for early withdrawal

Rate History
No change since Oct 5, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 5, 2026: 3.55% APYOct 5, 2026Oct 13, 2026
Aurora Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.93%
15151 E Alameda Pkwy, Aurora, CO 80012
IRA 36 Month CD
$0
3.55% ▲ 0.51% above Colorado avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.04%▲ 0.51% above avgNationally 2.81%
Details

Individual Retirement Account; Penalty may be imposed for early withdrawal, which could reduce earnings on the account

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
8250 Razorback Rd, Colorado Springs, CO 80920
36-Month Certificate of Deposit
$500
3.51% ▲ 0.47% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.04%▲ 0.47% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.03% → 3.51% ▲ 0.48 pts · high 3.51% / low 3.03%
2.53%3.27%4.01%Sep 18, 2026: 3.03% APYOct 2, 2026: 3.51% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20263.51%▲ from 3.03%
  • Sep 18, 20263.03%first recorded
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
760 Rood Ave, Grand Junction, CO 81501 3408
CD 36 Month
$10,000
3.50% ▲ 0.46% above Colorado avg
View
▼
Rate3.45%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.04%▲ 0.46% above avgNationally 2.81%
Details

$10,000 Minimum

Rate History
No change since Sep 16, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 16, 2026: 3.50% APYSep 16, 2026Oct 13, 2026
Aurora Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.93%
15151 E Alameda Pkwy, Aurora, CO 80012
Jumbo Certificates - 36 Month
$0
3.50% ▲ 0.46% above Colorado avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.04%▲ 0.46% above avgNationally 2.81%
Details

Jumbo Certificates - $10,000; Penalty may be imposed for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Meritrust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
5505 Arapahoe Ave, Boulder, CO 80303
36 Month Share and IRA Certificates
$0
3.50% ▲ 0.46% above Colorado avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.04%▲ 0.46% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Options Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.43%
5935 S Zang St, Littleton, CO 80127
36 Month Certificates (CD) - Premier
$500
3.50% ▲ 0.46% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.04%▲ 0.46% above avgNationally 2.81%
Details

Penalty: 180 days interest; Compounds monthly

Rate History
No change since Oct 9, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 9, 2026: 3.50% APYOct 9, 2026Oct 13, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
101 Cook St, Denver, CO 80206
36 Month CD
$500
3.50% ▲ 0.46% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.04%▲ 0.46% above avgNationally 2.81%
Details

Rate History
No change since Oct 6, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 6, 2026: 3.50% APYOct 6, 2026Oct 13, 2026
Equitable Savings and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
221 N 3rd St, Sterling, CO 80751
36 MONTH IRA
$2,000
3.46% ▲ 0.42% above Colorado avg
View
▼
Rate3.40%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.04%▲ 0.42% above avgNationally 2.81%
Details

Penalty: 12 MO

Rate History
No change since Sep 14, 2026 · 3.46% APY · checked 6 times
2.96%3.46%3.96%Sep 14, 2026: 3.46% APYSep 14, 2026Oct 13, 2026
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
4902 E Dry Creek Rd, Centennial, CO 80122
Regular IRA Share Certificates - 3 Years
$0
3.45% ▲ 0.41% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.04%▲ 0.41% above avgNationally 2.81%
Details

Balance: $1,000.00-$99,999.99

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.45% ▲ 0.15 pts · high 3.45% / low 3.30%
2.80%3.38%3.95%Sep 14, 2026: 3.30% APYOct 5, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.45%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
9053 Harlan St Ste 10, Westminster, CO 80031 2908
IRA Certificates (Traditional & Roth) - 3 Year
$1,000
3.45% ▲ 0.41% above Colorado avg
View
▼
Rate3.39%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.04%▲ 0.41% above avgNationally 2.81%
Details

Traditional & Roth IRA

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 6 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
9053 Harlan St Ste 10, Westminster, CO 80031 2908
Share Certificate - 36-Month
$500
3.45% ▲ 0.41% above Colorado avg
View
▼
Rate3.39%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.04%▲ 0.41% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Sep 18, 2026: 3.45% APYSep 18, 2026Oct 13, 2026
Aurora Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.93%
15151 E Alameda Pkwy, Aurora, CO 80012
Term Certificate - 36 Month
$500
3.45% ▲ 0.41% above Colorado avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.04%▲ 0.41% above avgNationally 2.81%
Details

Penalty may be imposed for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 7 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
Holyoke Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
101 W Denver St, Holyoke, CO 80734 1427
36 Month CD
$50,000
3.44% ▲ 0.40% above Colorado avg
View
▼
Rate3.40%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.04%▲ 0.40% above avgNationally 2.81%
Details

Rate History
1 change since Sep 25, 2026 · 3.14% → 3.44% ▲ 0.31 pts · high 3.44% / low 3.14%
2.64%3.29%3.94%Sep 25, 2026: 3.14% APYOct 4, 2026: 3.44% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20263.44%▲ from 3.14%
  • Sep 25, 20263.14%first recorded
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
101 S 6th St, Dolores, CO 81323
3 Year CD
$1,000
3.44% ▲ 0.40% above Colorado avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.04%▲ 0.40% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 7 times
2.94%3.44%3.94%Sep 14, 2026: 3.44% APYSep 14, 2026Oct 13, 2026

Colorado 48 Month CD Rates

MonitorBankRates Colorado Average · 48 Month CD2.93% APY▲ 0.04% from last weekNational 2.80%
View 48-month CD rate trend

The average 48-month CD rate in Colorado is 2.93% APY, compared with 2.80% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
303 N Main St, Gunnison, CO 81230
4 Year Certificate
$500
4.35% ▲ 1.42% above Colorado avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average2.93%▲ 1.42% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 4.09% → 4.35% ▲ 0.26 pts · high 4.35% / low 4.09%
3.59%4.22%4.85%Sep 14, 2026: 4.09% APYSep 24, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.35%▲ from 4.09%
  • Sep 14, 20264.09%first recorded
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1075 Acoma St, Denver, CO 80204 4326
48 Months CD
$0
4.35% ▲ 1.42% above Colorado avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average2.93%▲ 1.42% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.35% ▲ 0.65 pts · high 4.35% / low 3.70%
3.05%4.03%5.00%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.35%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1099 18th St, Denver, CO 80202
48 Month Certificate
$50,000
4.31% ▲ 1.38% above Colorado avg
View
▼
Rate4.31%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average2.93%▲ 1.38% above avgNationally 2.80%
Details

Interest paid quarterly via ACH to any account designated by the customer institution; Withdrawal before maturity is not permitted

Rate History
2 changes since Sep 14, 2026 · 3.98% → 4.31% ▲ 0.33 pts · high 4.31% / low 3.98%
3.48%4.15%4.81%Sep 14, 2026: 3.98% APYSep 24, 2026: 4.18% APYOct 7, 2026: 4.31% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.31%▲ from 4.18%
  • Sep 24, 20264.18%▲ from 3.98%
  • Sep 14, 20263.98%first recorded
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
816 Washington Ave, Golden, CO 80401
48 Month JUMBO certificates
$100,000
4.30% ▲ 1.37% above Colorado avg
View
▼
Rate4.22%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.93%▲ 1.37% above avgNationally 2.80%
Details

Effective: October 1, 2026

Rate History
1 change since Sep 18, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
3.70%4.25%4.80%Sep 18, 2026: 4.20% APYOct 13, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
  • Oct 13, 20264.30%▲ from 4.20%
  • Sep 18, 20264.20%first recorded
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
816 Washington Ave, Golden, CO 80401
Jumbo IRA CD - 48 Months
$100,000
4.30% ▲ 1.37% above Colorado avg
View
▼
Rate4.22%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.93%▲ 1.37% above avgNationally 2.80%
Details

IRA restrictions apply; Minimum balance to earn lowest stated dividend $100,000.00; Early withdrawal penalties apply

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
3.70%4.25%4.80%Sep 14, 2026: 4.20% APYOct 13, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.30%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
816 Washington Ave, Golden, CO 80401
48 Month Term Certificates
$500
4.20% ▲ 1.27% above Colorado avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.93%▲ 1.27% above avgNationally 2.80%
Details

Early withdrawal penalties apply; Dividend withdrawal allowed; Additional deposits not permitted; Dividends compounded monthly, credited monthly; Effective: October 1, 2026

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.20% ▲ 0.10 pts · high 4.20% / low 4.10%
3.60%4.15%4.70%Sep 14, 2026: 4.10% APYOct 9, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.20%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
816 Washington Ave, Golden, CO 80401
IRA Certificate (Traditional/Roth/SEP) - 48 Months
$500
4.20% ▲ 1.27% above Colorado avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.93%▲ 1.27% above avgNationally 2.80%
Details

traditional ira, roth ira and sep ira

Rate History
No change since Oct 13, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 13, 2026: 4.20% APYOct 13, 2026Oct 13, 2026
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2380 E Bridge St, Brighton, CO 80601
48 Month CDs & IRA Certificates of Deposit
$0
4.10% ▲ 1.17% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average2.93%▲ 1.17% above avgNationally 2.80%
Details

Balance: $100,000 +

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 18, 2026: 3.85% APYOct 10, 2026: 4.10% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1075 Acoma St, Denver, CO 80204 4326
48 Months CD
$0
4.10% ▲ 1.17% above Colorado avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average2.93%▲ 1.17% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2380 E Bridge St, Brighton, CO 80601
48 Month CDs & IRA Certificates of Deposit
$0
4.00% ▲ 1.07% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average2.93%▲ 1.07% above avgNationally 2.80%
Details

Balance: $500-$99,999.99

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 18, 2026: 3.75% APYOct 10, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO 80017
Bonus Certificates - 48 Month
$0
3.97% ▲ 1.04% above Colorado avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.93%▲ 1.04% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
3.41%3.94%4.47%Sep 14, 2026: 3.91% APYOct 13, 2026: 3.97% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO 80017
Bonus IRA Certificates - 48 Month
$0
3.97% ▲ 1.04% above Colorado avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.93%▲ 1.04% above avgNationally 2.80%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
3.41%3.94%4.47%Sep 14, 2026: 3.91% APYSep 25, 2026: 3.97% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
6221 Sheridan Blvd, Arvada, CO 80003
Consumer and Business Regular and IRA Certificates of Deposit (CDs) - 48 Months
$500
3.95% ▲ 1.02% above Colorado avg
View
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.93%▲ 1.02% above avgNationally 2.80%
Details

Rate History
No change since Oct 13, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 13, 2026: 3.95% APYOct 13, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO 80017
48 Month IRA Certificates
$0
3.81% ▲ 0.88% above Colorado avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.93%▲ 0.88% above avgNationally 2.80%
Details

Rate History
No change since Oct 5, 2026 · 3.81% APY · checked 3 times
3.31%3.81%4.31%Oct 5, 2026: 3.81% APYOct 5, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO 80017
Certificates - 48 Month
$0
3.81% ▲ 0.88% above Colorado avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.93%▲ 0.88% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.76% → 3.81% ▲ 0.05 pts · high 3.81% / low 3.76%
3.26%3.79%4.31%Sep 14, 2026: 3.76% APYSep 21, 2026: 3.81% APYSep 14, 2026Oct 13, 2026
  • Sep 21, 20263.81%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
101 S 6th St, Dolores, CO 81323
Jumbo Certificates of Deposit & Greater - 4 Year
$0
3.70% ▲ 0.77% above Colorado avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average2.93%▲ 0.77% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
4902 E Dry Creek Rd, Centennial, CO 80122
4 Year Jumbo Share Certificates
$0
3.65% ▲ 0.72% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.93%▲ 0.72% above avgNationally 2.80%
Details

Minimum Balance to Earn Dividends: $100,000.00

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 14, 2026: 3.50% APYSep 25, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20263.65%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
4902 E Dry Creek Rd, Centennial, CO 80122
Jumbo Share Certificates - 4 Years
$0
3.65% ▲ 0.72% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.93%▲ 0.72% above avgNationally 2.80%
Details

Rate History
No change since Oct 5, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Oct 5, 2026: 3.65% APYOct 5, 2026Oct 13, 2026
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 10.44%
1010 Johnson Rd Ste 120, Golden, CO 80401 6041
Baby-Jumbo Certificate Accounts - 48 Month Baby-Jumbo
$50,000
3.60% ▲ 0.67% above Colorado avg
View
▼
Rate3.55%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.93%▲ 0.67% above avgNationally 2.80%
Details

Penalties for early withdrawal may apply and may reduce earnings

Rate History
No change since Oct 13, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 13, 2026
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 10.44%
1010 Johnson Rd Ste 120, Golden, CO 80401 6041
Certificate - 48 Month
$500
3.60% ▲ 0.67% above Colorado avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.93%▲ 0.67% above avgNationally 2.80%
Details

Certificates & IRA Certificates; Penalties for early withdrawal may apply and may reduce earnings

Rate History
No change since Oct 13, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 13, 2026
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 10.44%
1010 Johnson Rd Ste 120, Golden, CO 80401 6041
Certificates & IRA Certificates - 48 Month
$500
3.60% ▲ 0.67% above Colorado avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.93%▲ 0.67% above avgNationally 2.80%
Details

Rate History
No change since Oct 13, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 13, 2026
Equitable Savings and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
221 N 3rd St, Sterling, CO 80751
48 MONTH IRA
$2,000
3.56% ▲ 0.63% above Colorado avg
View
▼
Rate3.50%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average2.93%▲ 0.63% above avgNationally 2.80%
Details

Penalty: 3 MO+

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 6 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
Aurora Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.93%
15151 E Alameda Pkwy, Aurora, CO 80012
48 Month Super Jumbo Certificates
$0
3.55% ▲ 0.62% above Colorado avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.93%▲ 0.62% above avgNationally 2.80%
Details

Penalty may be imposed for early withdrawal

Rate History
No change since Oct 5, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 5, 2026: 3.55% APYOct 5, 2026Oct 13, 2026
Aurora Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.93%
15151 E Alameda Pkwy, Aurora, CO 80012
IRA 48 Month CD
$0
3.55% ▲ 0.62% above Colorado avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.93%▲ 0.62% above avgNationally 2.80%
Details

Individual Retirement Account; Penalty may be imposed for early withdrawal, which could reduce earnings on the account

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
8250 Razorback Rd, Colorado Springs, CO 80920
48-Month Certificate of Deposit
$500
3.51% ▲ 0.58% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average2.93%▲ 0.58% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 3.03% → 3.51% ▲ 0.48 pts · high 3.51% / low 3.03%
2.53%3.27%4.01%Sep 18, 2026: 3.03% APYOct 2, 2026: 3.51% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20263.51%▲ from 3.03%
  • Sep 18, 20263.03%first recorded
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
22 Town Plz, Durango, CO 81301 5104
48 Month Term Certificates
$0
3.51% ▲ 0.58% above Colorado avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average2.93%▲ 0.58% above avgNationally 2.80%
Details

Dividend Rate 3.45%; APY if dividends are not withdrawn during the term

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 5 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 13, 2026
Aurora Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.93%
15151 E Alameda Pkwy, Aurora, CO 80012
Jumbo Certificates - 48 Month
$0
3.50% ▲ 0.57% above Colorado avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.93%▲ 0.57% above avgNationally 2.80%
Details

Jumbo Certificates - $10,000; Penalty may be imposed for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Meritrust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
5505 Arapahoe Ave, Boulder, CO 80303
48 Month Share and IRA Certificates
$0
3.50% ▲ 0.57% above Colorado avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.93%▲ 0.57% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Options Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.43%
5935 S Zang St, Littleton, CO 80127
48 Month Certificates (CD) - Premier
$500
3.50% ▲ 0.57% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.93%▲ 0.57% above avgNationally 2.80%
Details

Penalty: 180 days interest; Compounds monthly

Rate History
No change since Oct 9, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 9, 2026: 3.50% APYOct 9, 2026Oct 13, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3033 E 1st Ave, Denver, CO 80206
48 Month Certificate
$1,000
3.45% ▲ 0.52% above Colorado avg
View
▼
Rate3.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average2.93%▲ 0.52% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Oct 7, 2026: 3.45% APYOct 7, 2026Oct 13, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3033 E 1st Ave, Denver, CO 80206
Business 48 Month Certificate
$1,000
3.45% ▲ 0.52% above Colorado avg
View
▼
Rate3.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average2.93%▲ 0.52% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Oct 7, 2026: 3.45% APYOct 7, 2026Oct 13, 2026
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
4902 E Dry Creek Rd, Centennial, CO 80122
Regular IRA Share Certificates - 4 Years
$0
3.45% ▲ 0.52% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.93%▲ 0.52% above avgNationally 2.80%
Details

Balance: $1,000.00-$99,999.99

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.45% ▲ 0.15 pts · high 3.45% / low 3.30%
2.80%3.38%3.95%Sep 14, 2026: 3.30% APYOct 5, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.45%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Aurora Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.93%
15151 E Alameda Pkwy, Aurora, CO 80012
Term Certificate - 48 Month
$500
3.45% ▲ 0.52% above Colorado avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.93%▲ 0.52% above avgNationally 2.80%
Details

Penalty may be imposed for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 7 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
9305 W ALAMEDA AVE, LAKEWOOD, CO 80226
Traditional Certificate - 48 Month
$0
3.45% ▲ 0.52% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.93%▲ 0.52% above avgNationally 2.80%
Details

Min. Balance to obtain APY; Compounds Monthly; Early withdrawal penalties may apply

Rate History
No change since Oct 13, 2026 · 3.45% APY
2.95%3.45%3.95%Oct 13, 2026: 3.45% APYOct 13, 2026Oct 13, 2026
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
9305 W ALAMEDA AVE, LAKEWOOD, CO 80226
Traditional IRA 48 Month Certificate
$0
3.45% ▲ 0.52% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.93%▲ 0.52% above avgNationally 2.80%
Details

Min. Balance to obtain APY: $1,000 and over; Compounds Monthly; Individual Retirement Account Traditional-Roth-Coverdell ESA Rates

Rate History
No change since Oct 13, 2026 · 3.45% APY
2.95%3.45%3.95%Oct 13, 2026: 3.45% APYOct 13, 2026Oct 13, 2026
Holyoke Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
101 W Denver St, Holyoke, CO 80734 1427
48 Month CD
$50,000
3.44% ▲ 0.51% above Colorado avg
View
▼
Rate3.40%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average2.93%▲ 0.51% above avgNationally 2.80%
Details

Rate History
1 change since Sep 25, 2026 · 3.14% → 3.44% ▲ 0.31 pts · high 3.44% / low 3.14%
2.64%3.29%3.94%Sep 25, 2026: 3.14% APYOct 4, 2026: 3.44% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20263.44%▲ from 3.14%
  • Sep 25, 20263.14%first recorded
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
101 S 6th St, Dolores, CO 81323
4 Year CD
$1,000
3.44% ▲ 0.51% above Colorado avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average2.93%▲ 0.51% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 7 times
2.94%3.44%3.94%Sep 14, 2026: 3.44% APYSep 14, 2026Oct 13, 2026
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
600 S Lincoln Ave, Steamboat Springs, CO 80487
48 Month Time Certificates - Fixed Rate
$0
3.40% ▲ 0.47% above Colorado avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average2.93%▲ 0.47% above avgNationally 2.80%
Details

Rate History
1 change since Sep 19, 2026 · 2.60% → 3.40% ▲ 0.80 pts · high 3.40% / low 2.60%
1.80%3.00%4.20%Sep 19, 2026: 2.60% APYSep 24, 2026: 3.40% APYSep 19, 2026Oct 13, 2026
  • Sep 24, 20263.40%▲ from 2.60%
  • Sep 19, 20262.60%first recorded
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
600 S Lincoln Ave, Steamboat Springs, CO 80487
IRA (Roth & Traditional) - Fixed Rate 48 months
$0
3.40% ▲ 0.47% above Colorado avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average2.93%▲ 0.47% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 2.60% → 3.40% ▲ 0.80 pts · high 3.40% / low 2.60%
1.80%3.00%4.20%Sep 14, 2026: 2.60% APYSep 24, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20263.40%▲ from 2.60%
  • Sep 14, 20262.60%first recorded
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
1275 Tremont Pl, Denver, CO 80204 2118
4 Year Traditional Certificate of Deposit (CD)
$0
3.40% ▲ 0.47% above Colorado avg
View
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.93%▲ 0.47% above avgNationally 2.80%
Details

Balance: $100,000 and over; Deposits over $25,000

Rate History
No change since Oct 13, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 13, 2026
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
6980 S Holly Cir, Centennial, CO 80112 1018
48 Month Certificate of Deposit
$100,000
3.40% ▲ 0.47% above Colorado avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.93%▲ 0.47% above avgNationally 2.80%
Details

Balance: $100,000.00 and over; Opening balance and minimum balance requirements are the same

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 13, 2026
Holyoke Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
101 W Denver St, Holyoke, CO 80734 1427
48 Month CD
$10,000
3.39% ▲ 0.46% above Colorado avg
View
▼
Rate3.35%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average2.93%▲ 0.46% above avgNationally 2.80%
Details

Rate History
1 change since Sep 25, 2026 · 3.09% → 3.39% ▲ 0.31 pts · high 3.39% / low 3.09%
2.59%3.24%3.89%Sep 25, 2026: 3.09% APYOct 4, 2026: 3.39% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20263.39%▲ from 3.09%
  • Sep 25, 20263.09%first recorded
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
5080 W 60th Ave, Arvada, CO 80003 6919
Share & IRA Certificates - 48 Month Term
$0
3.35% ▲ 0.42% above Colorado avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average2.93%▲ 0.42% above avgNationally 2.80%
Details

Dividends compounded daily and credited monthly; early withdrawal penalties apply

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
8205 Wellington Blvd, Wellington, CO 80549
48 Month Certificates and IRA Share Certificates
$500
3.35% ▲ 0.42% above Colorado avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average2.93%▲ 0.42% above avgNationally 2.80%
Details

Pay monthly; Share Certificates may be added to in $100 increments up to an additional $5,000 during the term

Rate History
No change since Oct 12, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 12, 2026: 3.35% APYOct 12, 2026Oct 13, 2026
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
8205 Wellington Blvd, Wellington, CO 80549
Business Certificate - 48 months
$500
3.35% ▲ 0.42% above Colorado avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average2.93%▲ 0.42% above avgNationally 2.80%
Details

Rate History
No change since Oct 12, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 12, 2026: 3.35% APYOct 12, 2026Oct 13, 2026
Sunwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
4141 Sovereign Cir, Pueblo, CO 81005
48 Month Certificate
$0
3.35% ▲ 0.42% above Colorado avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.93%▲ 0.42% above avgNationally 2.80%
Details

Balance: $500-$24,999.99; Dividends Credited: Monthly

Rate History
No change since Sep 22, 2026 · 3.35% APY · checked 4 times
2.85%3.35%3.85%Sep 22, 2026: 3.35% APYSep 22, 2026Oct 13, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
1275 Tremont Pl, Denver, CO 80204 2118
4 Year Traditional Certificate of Deposit (CD)
$0
3.30% ▲ 0.37% above Colorado avg
View
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.93%▲ 0.37% above avgNationally 2.80%
Details

Balance: $25,000 - $99,999.99; Deposits over $25,000

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 13, 2026
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
6980 S Holly Cir, Centennial, CO 80112 1018
48 Month Certificate of Deposit
$500
3.30% ▲ 0.37% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.93%▲ 0.37% above avgNationally 2.80%
Details

Balance: $500 - $99,999.99; Opening balance and minimum balance requirements are the same

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Oct 13, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1520 E Mulberry St, Fort Collins, CO 80524 3501
Member Merits (Gold) 48 Month Certificate
$0
3.30% ▲ 0.37% above Colorado avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.93%▲ 0.37% above avgNationally 2.80%
Details

Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 13, 2026
Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
1615 E Evans Ave, Pueblo, CO 81004 3418
4 Year Share Certificate
$0
3.30% ▲ 0.37% above Colorado avg
View
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.93%▲ 0.37% above avgNationally 2.80%
Details

Balance: $50,000 and over

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Oct 13, 2026

Colorado 60 Month CD Rates

MonitorBankRates Colorado Average · 60 Month CD3.12% APY▲ 0.01% from last weekNational 2.90%
View 60-month CD rate trend

The average 60-month CD rate in Colorado is 3.12% APY, compared with 2.90% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
5Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
104 S Cascade Ave, Colorado Springs, CO 80903
60 Month Variable IRA
$250
5.11% ▲ 1.99% above Colorado avg
View
▼
Rate4.99%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.12%▲ 1.99% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.57% → 5.11% ▲ 0.54 pts · high 5.11% / low 4.57%
4.03%4.84%5.65%Sep 14, 2026: 4.57% APYOct 11, 2026: 5.11% APYSep 14, 2026Oct 13, 2026
  • Oct 11, 20265.11%▲ from 4.57%
  • Sep 14, 20264.57%first recorded
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
816 Washington Ave, Golden, CO 80401
60 Month JUMBO certificates
$100,000
4.45% ▲ 1.33% above Colorado avg
View
▼
Rate4.36%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.12%▲ 1.33% above avgNationally 2.90%
Details

Effective: October 1, 2026

Rate History
1 change since Sep 18, 2026 · 4.35% → 4.45% ▲ 0.10 pts · high 4.45% / low 4.35%
3.85%4.40%4.95%Sep 18, 2026: 4.35% APYOct 13, 2026: 4.45% APYSep 18, 2026Oct 13, 2026
  • Oct 13, 20264.45%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
816 Washington Ave, Golden, CO 80401
Jumbo IRA CD - 60 Months
$100,000
4.45% ▲ 1.33% above Colorado avg
View
▼
Rate4.36%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.12%▲ 1.33% above avgNationally 2.90%
Details

IRA restrictions apply; Minimum balance to earn lowest stated dividend $100,000.00; Early withdrawal penalties apply

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.45% ▲ 0.10 pts · high 4.45% / low 4.35%
3.85%4.40%4.95%Sep 14, 2026: 4.35% APYOct 13, 2026: 4.45% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.45%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1075 Acoma St, Denver, CO 80204 4326
60 Months CD
$0
4.40% ▲ 1.28% above Colorado avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.12%▲ 1.28% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.40% ▲ 0.70 pts · high 4.40% / low 3.70%
3.00%4.05%5.10%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.40%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
303 N Main St, Gunnison, CO 81230
5 Year Certificate
$500
4.35% ▲ 1.23% above Colorado avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.12%▲ 1.23% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.09% → 4.35% ▲ 0.26 pts · high 4.35% / low 4.09%
3.59%4.22%4.85%Sep 14, 2026: 4.09% APYSep 24, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.35%▲ from 4.09%
  • Sep 14, 20264.09%first recorded
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
303 N Main St, Gunnison, CO 81230
5 Years IRA
$500
4.35% ▲ 1.23% above Colorado avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.12%▲ 1.23% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 7, 2026: 4.35% APYOct 7, 2026Oct 13, 2026
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
816 Washington Ave, Golden, CO 80401
60 Month Term Certificates
$500
4.35% ▲ 1.23% above Colorado avg
View
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.12%▲ 1.23% above avgNationally 2.90%
Details

Early withdrawal penalties apply; Dividend withdrawal allowed; Additional deposits not permitted; Dividends compounded monthly, credited monthly; Effective: October 1, 2026

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.35% ▲ 0.10 pts · high 4.35% / low 4.25%
3.75%4.30%4.85%Sep 14, 2026: 4.25% APYOct 9, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.35%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
816 Washington Ave, Golden, CO 80401
IRA Certificate (Traditional/Roth/SEP) - 60 Months
$500
4.35% ▲ 1.23% above Colorado avg
View
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.12%▲ 1.23% above avgNationally 2.90%
Details

traditional ira, roth ira and sep ira

Rate History
No change since Oct 13, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 13, 2026: 4.35% APYOct 13, 2026Oct 13, 2026
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1075 Acoma St, Denver, CO 80204 4326
60 Months CD
$0
4.15% ▲ 1.03% above Colorado avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.12%▲ 1.03% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.15% ▲ 0.45 pts · high 4.15% / low 3.70%
3.20%3.93%4.65%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.15%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Wings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
7250 Campus Dr, Colorado Springs, CO 80920 6517
60 Month Certificate
$0
4.15% ▲ 1.03% above Colorado avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.12%▲ 1.03% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
Options Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.43%
5935 S Zang St, Littleton, CO 80127
60 Month Certificates (CD) - Premier
$500
4.10% ▲ 0.98% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.12%▲ 0.98% above avgNationally 2.90%
Details

Penalty: 180 days interest; Compounds monthly

Rate History
No change since Oct 9, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 9, 2026: 4.10% APYOct 9, 2026Oct 13, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
60 Month Business CDs
$0
4.10% ▲ 0.98% above Colorado avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.12%▲ 0.98% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
60 Month Certificate of Deposit
$0
4.10% ▲ 0.98% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.12%▲ 0.98% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
60 Month HSA CD
$0
4.10% ▲ 0.98% above Colorado avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.12%▲ 0.98% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
60 Month Traditional CD
$0
4.10% ▲ 0.98% above Colorado avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.12%▲ 0.98% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2380 E Bridge St, Brighton, CO 80601
60 Month CDs & IRA Certificates of Deposit
$0
4.10% ▲ 0.98% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.12%▲ 0.98% above avgNationally 2.90%
Details

Balance: $100,000 +

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 18, 2026: 3.85% APYOct 10, 2026: 4.10% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
6221 Sheridan Blvd, Arvada, CO 80003
Consumer and Business Regular and IRA Certificates of Deposit (CDs) - 60 Months
$500
4.05% ▲ 0.93% above Colorado avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.12%▲ 0.93% above avgNationally 2.90%
Details

Rate History
No change since Oct 13, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 13, 2026: 4.05% APYOct 13, 2026Oct 13, 2026
Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
12 Lakeside Ln, Denver, CO 80212 7413
60 Month Share/IRA/HSA Certificates
$0
4.00% ▲ 0.88% above Colorado avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.12%▲ 0.88% above avgNationally 2.90%
Details

Rate History
1 change since Sep 25, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 25, 2026: 3.75% APYOct 8, 2026: 4.00% APYSep 25, 2026Oct 13, 2026
  • Oct 8, 20264.00%▲ from 3.75%
  • Sep 25, 20263.75%first recorded
Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
12 Lakeside Ln, Denver, CO 80212 7413
Share/IRA/HSA Certificates - 60 months
$500
4.00% ▲ 0.88% above Colorado avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.12%▲ 0.88% above avgNationally 2.90%
Details

$500 Minimum

Rate History
1 change since Sep 25, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 25, 2026: 3.75% APYOct 8, 2026: 4.00% APYSep 25, 2026Oct 13, 2026
  • Oct 8, 20264.00%▲ from 3.75%
  • Sep 25, 20263.75%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO 80017
Bonus Certificates - 60 Month
$0
4.00% ▲ 0.88% above Colorado avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.12%▲ 0.88% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO 80017
Bonus IRA Certificates - 60 Month
$0
4.00% ▲ 0.88% above Colorado avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.12%▲ 0.88% above avgNationally 2.90%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Weld Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
2555 47th Ave, Greeley, CO 80634 3722
Regular and IRA Certificates of Deposit - 60 Month Term
$500
4.00% ▲ 0.88% above Colorado avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.12%▲ 0.88% above avgNationally 2.90%
Details

Minimum Opening Deposit: $500; Maximum total CD Deposit: $500,000 per person

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Weld Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
2555 47th Ave, Greeley, CO 80634 3722
Youth Certificates of Deposit - 60 Month Term
$100
4.00% ▲ 0.88% above Colorado avg
View
▼
Rate3.92%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.12%▲ 0.88% above avgNationally 2.90%
Details

Maximum total CD Deposit: $500,000 per person

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2380 E Bridge St, Brighton, CO 80601
60 Month CDs & IRA Certificates of Deposit
$0
4.00% ▲ 0.88% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.12%▲ 0.88% above avgNationally 2.90%
Details

Balance: $500-$99,999.99

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 18, 2026: 3.75% APYOct 10, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
8400 E Prentice Ave, Greenwood Village, CO 80111
60 Month CD
$0
3.95% ▲ 0.83% above Colorado avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.12%▲ 0.83% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO 80017
5 Year ESA Long-Term Certificate
$100,000
3.90% ▲ 0.78% above Colorado avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.12%▲ 0.78% above avgNationally 2.90%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 30, 2026: 3.90% APYSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO 80017
5 Year ESA Long-Term Certificate
$1,000
3.85% ▲ 0.73% above Colorado avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.12%▲ 0.73% above avgNationally 2.90%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 13, 2026
Options Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.43%
5935 S Zang St, Littleton, CO 80127
60 Month Certificates (CD) - Advantage
$500
3.85% ▲ 0.73% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.12%▲ 0.73% above avgNationally 2.90%
Details

Penalty: 180 days interest; Compounds monthly; Advantage Members can receive a +0.25% rate boost on new certificates

Rate History
No change since Oct 9, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 9, 2026: 3.85% APYOct 9, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO 80017
60 Month IRA Certificates
$0
3.84% ▲ 0.72% above Colorado avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.12%▲ 0.72% above avgNationally 2.90%
Details

Rate History
No change since Oct 5, 2026 · 3.84% APY · checked 3 times
3.34%3.84%4.34%Oct 5, 2026: 3.84% APYOct 5, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO 80017
Certificates - 60 Month
$0
3.84% ▲ 0.72% above Colorado avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.12%▲ 0.72% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.84% APY · checked 7 times
3.34%3.84%4.34%Sep 14, 2026: 3.84% APYSep 14, 2026Oct 13, 2026
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
101 S 6th St, Dolores, CO 81323
Jumbo Certificates of Deposit & Greater - 5 Year
$0
3.70% ▲ 0.58% above Colorado avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.12%▲ 0.58% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Equitable Savings and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
221 N 3rd St, Sterling, CO 80751
60 MONTH IRA
$2,000
3.67% ▲ 0.55% above Colorado avg
View
▼
Rate3.60%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.12%▲ 0.55% above avgNationally 2.90%
Details

Penalty: 3 MO+

Rate History
No change since Sep 14, 2026 · 3.67% APY · checked 6 times
3.17%3.67%4.17%Sep 14, 2026: 3.67% APYSep 14, 2026Oct 13, 2026
Fidelis Catholic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
6320 Wadsworth Blvd, Arvada, CO 80003 4838
60 Month Share Certificate
$0
3.65% ▲ 0.53% above Colorado avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.12%▲ 0.53% above avgNationally 2.90%
Details

Compounded: Monthly

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
4902 E Dry Creek Rd, Centennial, CO 80122
5 Year Jumbo Share Certificates
$0
3.65% ▲ 0.53% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.12%▲ 0.53% above avgNationally 2.90%
Details

Minimum Balance to Earn Dividends: $100,000.00

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 14, 2026: 3.50% APYSep 25, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20263.65%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
4902 E Dry Creek Rd, Centennial, CO 80122
Jumbo Share Certificates - 5 Years
$0
3.65% ▲ 0.53% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.12%▲ 0.53% above avgNationally 2.90%
Details

Rate History
No change since Oct 5, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Oct 5, 2026: 3.65% APYOct 5, 2026Oct 13, 2026
Options Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.43%
5935 S Zang St, Littleton, CO 80127
60 Month Certificates (CD) - Core
$500
3.60% ▲ 0.48% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.12%▲ 0.48% above avgNationally 2.90%
Details

Penalty: 180 days interest; Compounds monthly

Rate History
No change since Oct 9, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 9, 2026: 3.60% APYOct 9, 2026Oct 13, 2026
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 10.44%
1010 Johnson Rd Ste 120, Golden, CO 80401 6041
Baby-Jumbo Certificate Accounts - 60 Month Baby-Jumbo
$50,000
3.60% ▲ 0.48% above Colorado avg
View
▼
Rate3.55%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.12%▲ 0.48% above avgNationally 2.90%
Details

Penalties for early withdrawal may apply and may reduce earnings

Rate History
No change since Oct 13, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 13, 2026
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 10.44%
1010 Johnson Rd Ste 120, Golden, CO 80401 6041
Certificate - 60 Month
$500
3.60% ▲ 0.48% above Colorado avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.12%▲ 0.48% above avgNationally 2.90%
Details

Certificates & IRA Certificates; Penalties for early withdrawal may apply and may reduce earnings

Rate History
No change since Oct 13, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 13, 2026
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 10.44%
1010 Johnson Rd Ste 120, Golden, CO 80401 6041
Certificates & IRA Certificates - 60 Month
$500
3.60% ▲ 0.48% above Colorado avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.12%▲ 0.48% above avgNationally 2.90%
Details

Rate History
No change since Oct 13, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 13, 2026
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
22 Town Plz, Durango, CO 81301 5104
60 Month Term Certificates
$0
3.56% ▲ 0.44% above Colorado avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.12%▲ 0.44% above avgNationally 2.90%
Details

Dividend Rate 3.50%; APY if dividends are not withdrawn during the term

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 5 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
Aurora Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.93%
15151 E Alameda Pkwy, Aurora, CO 80012
60 Month Super Jumbo Certificates
$0
3.55% ▲ 0.43% above Colorado avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.12%▲ 0.43% above avgNationally 2.90%
Details

Penalty may be imposed for early withdrawal

Rate History
No change since Oct 5, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 5, 2026: 3.55% APYOct 5, 2026Oct 13, 2026
Aurora Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.93%
15151 E Alameda Pkwy, Aurora, CO 80012
IRA 60 Month CD
$0
3.55% ▲ 0.43% above Colorado avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.12%▲ 0.43% above avgNationally 2.90%
Details

Individual Retirement Account; Penalty may be imposed for early withdrawal, which could reduce earnings on the account

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
8250 Razorback Rd, Colorado Springs, CO 80920
60-Month Certificate of Deposit
$500
3.51% ▲ 0.39% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.12%▲ 0.39% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 3.03% → 3.51% ▲ 0.48 pts · high 3.51% / low 3.03%
2.53%3.27%4.01%Sep 18, 2026: 3.03% APYOct 2, 2026: 3.51% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20263.51%▲ from 3.03%
  • Sep 18, 20263.03%first recorded
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3033 E 1st Ave, Denver, CO 80206
60 Month Certificate
$1,000
3.51% ▲ 0.39% above Colorado avg
View
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.12%▲ 0.39% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 3.51% APY · checked 2 times
3.01%3.51%4.01%Oct 7, 2026: 3.51% APYOct 7, 2026Oct 13, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3033 E 1st Ave, Denver, CO 80206
Business 60 Month Certificate
$1,000
3.51% ▲ 0.39% above Colorado avg
View
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.12%▲ 0.39% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 3.51% APY · checked 2 times
3.01%3.51%4.01%Oct 7, 2026: 3.51% APYOct 7, 2026Oct 13, 2026
Air Academy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
9810 N Union Blvd, Colorado Springs, CO 80924 5002
54 - 60 Month Certificates
$0
3.51% ▲ 0.39% above Colorado avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.12%▲ 0.39% above avgNationally 2.90%
Details

Effective as of 10/12/2026

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.51% ▲ 0.26 pts · high 3.51% / low 3.25%
2.75%3.38%4.01%Sep 14, 2026: 3.25% APYOct 4, 2026: 3.51% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20263.51%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Air Academy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
9810 N Union Blvd, Colorado Springs, CO 80924 5002
54 - 60 Month IRA Certificates
$0
3.51% ▲ 0.39% above Colorado avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.12%▲ 0.39% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.51% ▲ 0.26 pts · high 3.51% / low 3.25%
2.75%3.38%4.01%Sep 14, 2026: 3.25% APYOct 4, 2026: 3.51% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20263.51%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Air Academy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
9810 N Union Blvd, Colorado Springs, CO 80924 5002
IRA Certificates - 54-60 months
$0
3.51% ▲ 0.39% above Colorado avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.12%▲ 0.39% above avgNationally 2.90%
Details

Dividend Rate; Effective as of 10/12/2026

Rate History
No change since Oct 12, 2026 · 3.51% APY
3.01%3.51%4.01%Oct 12, 2026: 3.51% APYOct 12, 2026Oct 13, 2026
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
4902 E Dry Creek Rd, Centennial, CO 80122
Regular IRA Share Certificates - 5 Years
$0
3.50% ▲ 0.38% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.12%▲ 0.38% above avgNationally 2.90%
Details

Balance: $1,000.00-$99,999.99

Rate History
1 change since Sep 14, 2026 · 3.35% → 3.50% ▲ 0.15 pts · high 3.50% / low 3.35%
2.85%3.43%4.00%Sep 14, 2026: 3.35% APYOct 5, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.50%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Aurora Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.93%
15151 E Alameda Pkwy, Aurora, CO 80012
Jumbo Certificates - 60 Month
$0
3.50% ▲ 0.38% above Colorado avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.12%▲ 0.38% above avgNationally 2.90%
Details

Jumbo Certificates - $10,000; Penalty may be imposed for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Colorado Institutions

Highest verified APYs available today, updated October 13, 2026

B Top 5 Bank Rates
5Star Bank
60 Month Variable IRA
A+ 5.0 ★ TX: 2.98%
Min: $250
5.11%
Austin Capital Bank
3 Month CD
A+ 5.0 ★ TX: 2.96%
Min: $1,000
4.58%
Bankers Bank of the West
24 Month Certificate
A 5.0 ★ TX: 6.05%
Min: $50,000
4.55%
Academy Bank
18-Month Certificate of Deposit
A+ 5.0 ★ TX: 5.08%
Min: $500
4.40%
United Fidelity Bank
6-Month CD
A+ 5.0 ★ TX: 2.56%
Min: $1,000
4.40%
CU Top 5 Credit Union Rates
NuVista Federal Credit Union
12 Month DREAM Certificate
A+ 5.0 ★ TX: 0.00%
Min: $100
5.12%
On Tap Credit Union
60 Month JUMBO certificates
A 5.0 ★ TX: 9.06%
Min: $100,000
4.45%
Fellowship Credit Union
12 Month Certificate of Deposit
A 5.0 ★ TX: 6.42%
Min: $500
4.41%
Denver Community Credit Union DBA Zing Credit Union
60 Months CD
A+ 5.0 ★ TX: 2.31%
Min: $0
4.40%
Navy Federal Credit Union
12 Month Special EasyStart Certificate
A 5.0 ★ TX: 8.14%
Min: $50
4.35%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Colorado CD Rate Trends

Compare local Colorado CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full Colorado CD Trends
12-Month CD CO Avg
3.281%
▲ 0.025 vs 7 days ago

Colorado 12-month CD rates rose 0.025 points over the past 7 days to 3.281% APY.

6-Month CD CO Avg
3.180%
▲ 0.009 vs 7 days ago

Colorado 6-month CD rates rose 0.009 points over the past 7 days to 3.180% APY.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

CO CD Rate Forecast, Next 12 Months

Where are Colorado CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

CO 12-Month Avg APY
3.281%
6-Month Forecast
3.281%
Range: 3.08%, 3.43%
12-Month Forecast
3.531%
Range: 3.33%, 3.68%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Colorado average 12-month CD APY in our database.

Spread model: The Colorado 12-month CD average currently trades 1.09% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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What Your Savings Earn at CO CD Rates Today

Annual interest earnings at today’s Colorado average APYs. State average used where available; national average as fallback.

CD Term CO Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 2.339% $116.96 $233.91 $584.78 $1,169.55
6-Month CD 3.180% $159.00 $318.00 $795.00 $1,590.00
12-Month CD 3.281% $164.05 $328.09 $820.22 $1,640.45
18-Month CD 3.079% $153.93 $307.86 $769.65 $1,539.30
24-Month CD 3.065% $153.25 $306.50 $766.25 $1,532.50
36-Month CD 3.041% $152.04 $304.07 $760.18 $1,520.35
48-Month CD 2.934% $146.72 $293.44 $733.60 $1,467.20
60-Month CD 3.117% $155.86 $311.71 $779.28 $1,558.55
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026.
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Sample CD Ladder for Colorado Savers

$25,000 split equally across 5 terms using today’s Colorado average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder
Rung Term Deposit CO Avg APY Annual Earnings
1 3-Month CD $5,000 2.339% $116.96
2 6-Month CD $5,000 3.180% $159.00
3 12-Month CD $5,000 3.281% $164.05
4 24-Month CD $5,000 3.065% $153.25
5 36-Month CD $5,000 3.041% $152.04
Total ($25,000 invested) $25,000 2.981% blended $745.30/yr

Ladder example uses equal $5,000 rungs and Colorado average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

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911
CD Rates
Tracked in Colorado
36 Banks 50 Credit Unions

About Our Colorado CD Rate Database

MonitorBankRates tracks 911 CD rates from 36 banks and 50 credit unions with locations in Colorado, plus national online institutions available to Colorado residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: NuVista Federal Credit Union offers a CD at 5.12% APY with a minimum deposit of $100. Use the rate table above to compare all current offers in Colorado.

How to Find the Best CD Rates in Colorado

What to compare when shopping for a CD in Colorado

To find the best APYs in Colorado, start with credit unions and online-only banks: Colorado has 50 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.

Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.

Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.

When a CD Makes Sense in Colorado

  • You have a planned expense coming up and want your savings to earn while you wait
  • You expect rates to fall and want to lock in today’s rate
  • You want FDIC or NCUA protection with a guaranteed fixed return
  • You prefer banking with an institution that has a local branch in Colorado: 86 institutions here report CD rates

Consider an Alternative If…

  • You may need the funds within 30 days. Compare Colorado savings rates instead
  • Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
  • You want check-writing access. Compare Colorado money market rates

Colorado Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
15.6%
National avg: 17.3%
Median Individual Earnings
$52,167
National avg: $47,340
Poverty Rate
9.4%
National avg: 11.1%
Unemployment Rate
4.6%
National avg: 4.8%
CD Earnings on 10% of Salary
$171/yr
At CO 12-mo avg 3.281% APY

15.6% of residents are 65 or older, below the national average of 17.3%. At today’s CO 12-month CD average of 3.281%, saving 10% of the local median salary ($5,216/year) and putting it in a CD would earn an additional $171 annually in interest.

Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.

CD Rates vs. Other Savings Options in Colorado

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90 to 180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

How Certificates of Deposit Work in Colorado

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Colorado typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Colorado as everywhere in the U.S.

Choosing a CD Term in Colorado

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Colorado savers easier access to their funds. For example, United Fidelity Bank is offering its 6-Month CD at 4.40% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, 5Star Bank is offering its 60 Month Variable IRA at 5.11% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Colorado Savers

CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Colorado saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.

How CD Interest Is Paid in Colorado

Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Colorado CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates in Colorado

Most CDs carry a fixed rate that is locked for the entire term, protecting a Colorado depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.

Frequently Asked Questions about CD Rates in Colorado

Are CD rates in Colorado FDIC insured?

Yes, most established banks in Colorado are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.

Do I have to pay state taxes on CD interest in Colorado?

Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Colorado.

Can I withdraw my money early from a CD?

You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.

What is the difference between a Jumbo CD and a regular CD?

Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in Colorado may offer slightly higher APYs compared to standard CDs.

Are fixed-rate CDs better than variable-rate CDs?

Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.

What is a CD ladder?

A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.

Best CD rates in Colorado?

Here are recent top rates found for this area:
  • NuVista Federal Credit Union: 5.12% APY (12 Month DREAM Certificate)
  • 5Star Bank: 5.11% APY (60 Month Variable IRA)
  • Austin Capital Bank: 4.58% APY (3 Month CD)
  • Bankers Bank of the West: 4.55% APY (24 Month Certificate)
  • On Tap Credit Union: 4.45% APY (60 Month JUMBO certificates)
  • Fellowship Credit Union: 4.41% APY (12 Month Certificate of Deposit)
  • Academy Bank: 4.40% APY (18-Month Certificate of Deposit)
  • United Fidelity Bank: 4.40% APY (6-Month CD)
  • Denver Community Credit Union DBA Zing Credit Union: 4.40% APY (60 Months CD)
  • Vio Bank: 4.40% APY (24 Month CD)
Rates reflect recent verified offers available in Colorado. Last Updated: October 13, 2026

Colorado CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Colorado rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top Colorado CD Rates by Term

Verified October 13, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Colorado. Averages shown use the Colorado state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Colorado

Colorado CD Calculator

At today’s CO top rate of 5.12% APY, a $10,000 deposit earns $512 in the first year. Enter your amount to see your exact return.

Colorado CD Ladder

CO CD rates currently range from 2.339% (3-month) to 3.041% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Colorado CD at 5.12% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Colorado’s average 12-month CD is 3.281% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Colorado CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Colorado directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Colorado. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in CO.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 13, 2026

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Cities in Colorado

  • Agate
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  • Akron
  • Alamosa
  • Allenspark
  • Alma
  • Almont
  • Amherst
  • Anton
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  • Arapahoe
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  • Bennett
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  • Blanca
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  • Boncarbo
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