Quick Poll
The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?
Colorado Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
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.
Read Full Bio
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.
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, The District Federal Credit UnionThe District Federal Credit Union751 Chambers Rd, Aurora, CO 80011 7151A5.0 ★Texas Ratio: 7.87%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month ROTH IRA Term Certificate at 5.00% APY, 5Star Bank5Star Bank104 S Cascade Ave, Colorado Springs, CO 80903A+5.0 ★Texas Ratio: 2.98%Real return: +1.77%APY minus CPI (February 2026) offering 60 Month Variable IRA at 4.57% APY, Fellowship Credit UnionFellowship Credit Union803 E Olive St, Lamar, CO 81052A5.0 ★Texas Ratio: 6.74%Real return: +1.61%APY minus CPI (February 2026) offering 12 Month Certificate of Deposit at 4.41% APY, and On Tap Credit UnionOn Tap Credit Union816 Washington Ave, Golden, CO 80401A5.0 ★Texas Ratio: 8.65%Real return: +1.55%APY minus CPI (February 2026) offering 60 Month JUMBO certificates at 4.35% APY. CD rates as of September 21, 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: September 21, 2026
Compare Best CD Rates in Colorado
Colorado 3 Month CD Rates
MonitorBankRates National Average · 3 Month CD2.06% APY▲ 0.02% from last week
The national average 3-month CD rate is 2.06% APY as of September 22, 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
4.32%
▲ 2.26% above national avg
▼
Rate4.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 2.26% above avg
Details
UP to $99,999.99
Ent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
7250 Campus Dr, Colorado Springs, CO 80920 6517
3 Month Standard CD
$500
3.75%
▲ 1.69% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.69% above avg
Details
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%
▲ 1.64% above national avg
▼
Rate3.63%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.64% above avg
Details
certificate of deposit
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%
▲ 1.59% above national avg
▼
Rate3.58%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.59% above avg
Details
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
120 S Wilcox St, Castle Rock, CO 80104
3 Month CD
$0
3.60%
▲ 1.54% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.54% above avg
Details
A penalty may be imposed for early withdrawal. Certificate will automatically renew to a fixed rate CD of the equivalent term with the current rate at renewal. The Annual Percentage Yield is current as of August 24, 2026, and is subject to change at any time without notice.
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
155 Boardwalk Dr, Fort Collins, CO 80525
3 Month Certificate
$0
3.50%
▲ 1.44% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.44% above avg
Details
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
9053 Harlan St Ste 10, Westminster, CO 80031 2908
3-Month Share Certificate
$500
3.50%
▲ 1.44% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.44% above avg
Details
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
9053 Harlan St Ste 10, Westminster, CO 80031 2908
Share Certificate - 3-Month
$500
3.50%
▲ 1.44% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.44% above avg
Details
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
1010 Johnson Rd Ste 120, Golden, CO 80401 6041
3 Month Certificate
$500
3.40%
▲ 1.34% above national avg
▼
Rate3.36%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.34% above avg
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
1075 Acoma St, Denver, CO 80204 4326
3 Month Certificate of Deposit
$0
3.30%
▲ 1.24% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.24% above avg
Details
Compounded/Credited: Monthly
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
1549 E Abriendo Ave, Pueblo, CO 81004 3403
3 Month Certificate
$500
3.29%
▲ 1.23% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.23% above avg
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
720 W Midland Ave, Woodland Park, CO 80863 3025
3-Month Certificate
$0
3.25%
▲ 1.19% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.19% above avg
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
720 W Midland Ave, Woodland Park, CO 80863 3025
3-Month IRA Certificate
$0
3.25%
▲ 1.19% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.19% above avg
Details
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%
▲ 1.18% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.18% above avg
Details
Grand Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
452 S Maple St, Fruita, CO 81521
3 Month Time Certificates of Deposit
$500
3.10%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 1.04% above avg
Details
.25% bonus for Star and Senior Accounts!
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
22 Town Plz, Durango, CO 81301 5104
3 Month Term Certificates
$0
3.10%
▲ 1.04% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.04% above avg
Details
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3033 E 1st Ave, Denver, CO 80206
90 Day Certificate
$0
3.00%
▲ 0.94% above national avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.94% above avg
Details
Balance: $1,000 or more
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3033 E 1st Ave, Denver, CO 80206
Business 90 Day Certificate
$0
3.00%
▲ 0.94% above national avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.94% above avg
Details
Balance: $1,000 or more
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
209 E Main St Ste 104, Rangely, CO 81648
3 Month Share Certificates
$0
3.00%
▲ 0.94% above national avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.94% above avg
Details
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
2.80%
▲ 0.74% above national avg
▼
Rate2.76%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.74% above avg
Details
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
760 Rood Ave, Grand Junction, CO 81501 3408
3 Month CD
$10,000
2.75%
▲ 0.69% above national avg
▼
Rate2.73%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.06%▲ 0.69% above avg
Details
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
13559 Huron St, Westminster, CO 80234 1161
3 Month Share Certificates
$0
2.75%
▲ 0.69% above national avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.69% above avg
Details
$50,000+
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
13559 Huron St, Westminster, CO 80234 1161
3 Month Share Certificates to $24,999.99
$0
2.75%
▲ 0.69% above national avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.69% above avg
Details
$10,000
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
13559 Huron St, Westminster, CO 80234 1161
3 Month Share Certificates to $49,999.99
$0
2.75%
▲ 0.69% above national avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.69% above avg
Details
$25,000
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
13559 Huron St, Westminster, CO 80234 1161
3 Month Share Certificates to $9,999.99
$0
2.75%
▲ 0.69% above national avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.69% above avg
Details
$500
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7600 E Orchard Rd, Greenwood Village, CO 80111
3 Month Traditional CD
$0
2.75%
▲ 0.69% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.69% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7600 E Orchard Rd, Greenwood Village, CO 80111
3 Month Business CDs
$0
2.75%
▲ 0.69% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.69% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7600 E Orchard Rd, Greenwood Village, CO 80111
3 Months CD
$0
2.75%
▲ 0.69% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.69% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7600 E Orchard Rd, Greenwood Village, CO 80111
3 Month IRA CD
$500
2.75%
▲ 0.69% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.69% above avg
Details
Invest a portion of your Traditional or Roth IRA Defer tax payments on Traditional IRA earnings to future withdrawals** Enjoy higher rates than a traditional savings account
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%
▲ 0.46% above national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.46% above avg
Details
First FarmBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
2939 65th Ave, Greeley, CO 80634
3 Month Certificate of Deposit
$1,000
2.50%
▲ 0.44% above national avg
▼
Rate2.48%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.44% above avg
Details
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
2960 Diagonal Highway, Boulder, CO 80301 1412
3 Month Certificate
$500
2.50%
▲ 0.44% above national avg
▼
Rate2.47%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.44% above avg
Details
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
2960 Diagonal Highway, Boulder, CO 80301 1412
HSA 3 Month Certificate
$0
2.50%
▲ 0.44% above national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.44% above avg
Details
Standard; Certificates (IRA, HSA)
San Luis Valley Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
401 Edison Ave, Alamosa, CO 81101
3 Month Certificate
$0
2.29%
▲ 0.23% above national avg
▼
Rate2.27%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 0.23% above avg
Details
San Luis Valley Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
401 Edison Ave, Alamosa, CO 81101
CD - 3 Months
$0
2.29%
▲ 0.23% above national avg
▼
Rate2.27%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 0.23% above avg
Details
Foothills Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
7990 W Alameda Ave, Lakewood, CO 80226
3 Month Certificate
$0
2.25%
▲ 0.19% above national avg
▼
Rate2.23%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.19% above avg
Details
Delta County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
100 Circle Dr, Delta, CO 81416
3 Month Share Certificate
$250
2.02%
▼ 0.04% below national avg
▼
Rate2.00%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 0.04% below avg
Details
youth members only
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
1275 Tremont Pl, Denver, CO 80204 2118
90 Day Certificate
$0
2.00%
▼ 0.06% below national avg
▼
Rate1.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 0.06% below avg
Details
Account Balance $100,000
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
1275 Tremont Pl, Denver, CO 80204 2118
90 Day Certificate
$0
1.90%
▼ 0.16% below national avg
▼
Rate1.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 0.16% below avg
Details
Account Balance $25,000
Westerra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
3700 E Alameda Ave, Denver, CO 80209
3 Month Certificate
$0
1.85%
▼ 0.21% below national avg
▼
Rate1.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.21% below avg
Details
Westerra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
3700 E Alameda Ave, Denver, CO 80209
Business Certificates of Deposit (CDs) - 3 Month
$0
1.85%
▼ 0.21% below national avg
▼
Rate1.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.21% below avg
Details
Westerra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
3700 E Alameda Ave, Denver, CO 80209
IRA CD - 3 Month
$0
1.85%
▼ 0.21% below national avg
▼
Rate1.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.21% below avg
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
1275 Tremont Pl, Denver, CO 80204 2118
Traditional Certificate of Deposit (CD) - 90 Day
$0
1.80%
▼ 0.26% below national avg
▼
Rate1.79%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 0.26% below avg
Details
Balance: $10,000 and over
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
1275 Tremont Pl, Denver, CO 80204 2118
Traditional Certificate of Deposit (CD) - 90 Day
$0
1.70%
▼ 0.36% below national avg
▼
Rate1.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 0.36% below avg
Details
Balance: $500 - $9,999.99
San Luis Valley Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
401 Edison Ave, Alamosa, CO 81101
3 Month Certificate
$0
1.69%
▼ 0.37% below national avg
▼
Rate1.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 0.37% below avg
Details
San Luis Valley Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
401 Edison Ave, Alamosa, CO 81101
CD - 3 Months
$0
1.69%
▼ 0.37% below national avg
▼
Rate1.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 0.37% below avg
Details
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
760 Rood Ave, Grand Junction, CO 81501 3408
3 Month CD
$500
1.55%
▼ 0.51% below national avg
▼
Rate1.54%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.06%▼ 0.51% below avg
Details
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
9305 W ALAMEDA AVE, LAKEWOOD, CO 80226
3 Month Certificate
$0
1.35%
▼ 0.71% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.71% below avg
Details
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%
▼ 1.11% below national avg
▼
Rate0.95%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 1.11% below avg
Details
CoreFirst Bank & Trust
Institution Rating:
B+4.1 ★Texas Ratio: 2.49%
10130 E Dry Creek Rd, Englewood, CO 80112
3 Month CD
$1,000
0.70%
▼ 1.36% below national avg
▼
Rate0.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.36% below avg
Details
Colorado 6 Month CD Rates
MonitorBankRates National Average · 6 Month CD2.77% APY▲ 0.02% from last week
The national average 6-month CD rate is 2.77% APY as of September 22, 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
6 Month Certificate of Deposit
$50,000
4.25%
▲ 1.48% above national avg
▼
Rate4.25%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.48% above avg
Details
Interest paid quarterly via ACH to any account designated by the customer institution; Withdrawal before maturity is not permitted; BBW can arrange for the safekeeping of the instrument upon request
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%
▲ 1.38% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.38% above avg
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
101 S 6th St, Dolores, CO 81323
6 Month Certificate
$0
4.06%
▲ 1.29% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.29% above avg
Details
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%
▲ 1.29% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.29% above avg
Details
$100,000
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
4.04%
▲ 1.27% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.27% above avg
Details
UP to $99,999.99
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
22 Town Plz, Durango, CO 81301 5104
6 Month Business Term Certificate Promo
$0
4.00%
▲ 1.23% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
1615 E Evans Ave, Pueblo, CO 81004 3418
6 Month Share Certificate
$50,000
3.91%
▲ 1.14% above national avg
▼
Rate3.85%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.14% above avg
Details
Balance: $50,000+
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
1615 E Evans Ave, Pueblo, CO 81004 3418
6 Month Youth CD
$50,000
3.91%
▲ 1.14% above national avg
▼
Rate3.85%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.14% above avg
Details
Balance: $50,000+
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
120 S Wilcox St, Castle Rock, CO 80104
6 Month CD
$0
3.90%
▲ 1.13% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.13% above avg
Details
A penalty may be imposed for early withdrawal. Certificate will automatically renew to a fixed rate CD of the equivalent term with the current rate at renewal. The Annual Percentage Yield is current as of August 24, 2026, and is subject to change at any time without notice.
Grand Junction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
633 24 Rd, Grand Junction, CO 81505
6 Month CD
$0
3.85%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.08% above avg
Details
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
9053 Harlan St Ste 10, Westminster, CO 80031 2908
6-Month Share Certificate
$500
3.85%
▲ 1.08% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.08% above avg
Details
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
9053 Harlan St Ste 10, Westminster, CO 80031 2908
Share Certificate - 6-Month
$500
3.85%
▲ 1.08% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.08% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7600 E Orchard Rd, Greenwood Village, CO 80111
6 Month Traditional CD
$0
3.85%
▲ 1.08% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.08% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7600 E Orchard Rd, Greenwood Village, CO 80111
6 Month Jumbo CD
$0
3.85%
▲ 1.08% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.08% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7600 E Orchard Rd, Greenwood Village, CO 80111
6 Month IRA Jumbo CD
$0
3.85%
▲ 1.08% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.08% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7600 E Orchard Rd, Greenwood Village, CO 80111
6 Month Business CDs
$0
3.85%
▲ 1.08% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.08% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7600 E Orchard Rd, Greenwood Village, CO 80111
6 Months CD
$0
3.85%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.08% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7600 E Orchard Rd, Greenwood Village, CO 80111
6 Month IRA CD
$500
3.85%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.08% above avg
Details
Invest a portion of your Traditional or Roth IRA Defer tax payments on Traditional IRA earnings to future withdrawals** Enjoy higher rates than a traditional savings account
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
123 N College Ave, Fort Collins, CO 80524
6 Month Certificate of Deposit
$1,000
3.80%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.03% above avg
Details
Adams Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 10.34%
1310 Garden Of The Gods Rd, Colorado Springs, CO 80907
6-MONTH CD
$500
3.80%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.03% above avg
Details
APY effective as of July 1, 2026. Balance: $10,000.00 and up
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
101 S 6th St, Dolores, CO 81323
6 Month Certificate
$1,000
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.03% above avg
Details
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%
▲ 1.03% above national avg
▼
Rate3.74%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.03% above avg
Details
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
1615 E Evans Ave, Pueblo, CO 81004 3418
6 Month Share Certificate
$500
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.03% above avg
Details
Balance: $500 - $49,999.99
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
1615 E Evans Ave, Pueblo, CO 81004 3418
6 Month Youth CD
$50
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.03% above avg
Details
Balance: $50 - $49,999.99
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
2380 E Bridge St, Brighton, CO 80601
6 Month CD
$0
3.80%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.03% above avg
Details
Balance: $100,000 +
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
2380 E Bridge St, Brighton, CO 80601
6 Month CDs & IRA Certificates of Deposit
$0
3.80%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.03% above avg
Details
Balance: $100,000 +
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%
▲ 1.01% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.01% above avg
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
5080 W 60th Ave, Arvada, CO 80003 6919
Share & IRA Certificates - 6 Month Term
$0
3.77%
▲ 1.00% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.00% above avg
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
816 Washington Ave, Golden, CO 80401
6 Month Jumbo IRA CD
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
720 W Midland Ave, Woodland Park, CO 80863 3025
6-Month Certificate
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
720 W Midland Ave, Woodland Park, CO 80863 3025
6-Month IRA Certificate
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
816 Washington Ave, Golden, CO 80401
6 Month CD
$0
3.70%
▲ 0.93% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.93% above avg
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
816 Washington Ave, Golden, CO 80401
6 Month JUMBO certificates
$0
3.70%
▲ 0.93% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.93% above avg
Details
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
2380 E Bridge St, Brighton, CO 80601
6 Month CD
$0
3.70%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.93% above avg
Details
Balance: $500-$99,999.99
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
2380 E Bridge St, Brighton, CO 80601
6 Month CDs & IRA Certificates of Deposit
$0
3.70%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.93% above avg
Details
Balance: $500-$99,999.99
First FarmBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
2939 65th Ave, Greeley, CO 80634
6 Month Certificate of Deposit
$1,000
3.65%
▲ 0.88% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.88% above avg
Details
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
22 Town Plz, Durango, CO 81301 5104
6 Month Term Certificates
$0
3.65%
▲ 0.88% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.88% above avg
Details
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
9305 W ALAMEDA AVE, LAKEWOOD, CO 80226
6 Month Certificate
$0
3.65%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.88% above avg
Details
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
9305 W ALAMEDA AVE, LAKEWOOD, CO 80226
IRA 6 Month Certificate
$0
3.65%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.88% above avg
Details
Balance: $1,000 and over
Foothills Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
7990 W Alameda Ave, Lakewood, CO 80226
6 Month Certificate
$0
3.65%
▲ 0.88% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.88% above avg
Details
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
13559 Huron St, Westminster, CO 80234 1161
6 Month Share Certificates
$0
3.65%
▲ 0.88% above national avg
▼
Rate3.58%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.88% above avg
Details
$50,000+
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
13559 Huron St, Westminster, CO 80234 1161
6 Month Share Certificates to $24,999.99
$0
3.65%
▲ 0.88% above national avg
▼
Rate3.58%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.88% above avg
Details
$10,000
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
13559 Huron St, Westminster, CO 80234 1161
6 Month Share Certificates to $49,999.99
$0
3.65%
▲ 0.88% above national avg
▼
Rate3.58%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.88% above avg
Details
$25,000
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
13559 Huron St, Westminster, CO 80234 1161
6 Month Share Certificates to $9,999.99
$0
3.65%
▲ 0.88% above national avg
▼
Rate3.58%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.88% above avg
Details
$500
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
17455 E Exposition Dr, Aurora, CO 80017
6 Month Bonus Certificates
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.83% above avg
Details
Balance: 6 Month
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
1275 Tremont Pl, Denver, CO 80204 2118
6 Month Certificate
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.83% above avg
Details
Account Balance $100,000
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
816 Washington Ave, Golden, CO 80401
6 Month CD
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
816 Washington Ave, Golden, CO 80401
6 Month Term certificate
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
816 Washington Ave, Golden, CO 80401
6 Month Traditional IRA Certificates
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details
traditional ira, roth ira and sep ira
Red Rocks Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
8195 Southpark Ln, Littleton, CO 80120 4520
6 Month Certificate
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details
Colorado 12 Month CD Rates
MonitorBankRates National Average · 12 Month CD2.95% APY▲ 0.03% from last week
The national average 12-month CD rate is 2.95% APY as of September 22, 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%
▲ 2.17% above national avg
▼
Rate5.00%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 2.17% above avg
Details
The District Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
751 Chambers Rd, Aurora, CO 80011 7151
12 Month ROTH IRA Term Certificate
$0
5.00%
▲ 2.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 2.05% above avg
Details
Penalty for early withdrawal: 180 days dividends
The District Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
751 Chambers Rd, Aurora, CO 80011 7151
12 Month Term Certificate
$0
5.00%
▲ 2.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 2.05% above avg
Details
Penalty for early withdrawal: 180 days dividends
The District Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
751 Chambers Rd, Aurora, CO 80011 7151
12 Month Traditional IRA Term Certificate
$0
5.00%
▲ 2.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 2.05% above avg
Details
Penalty for early withdrawal: 180 days dividends
Fellowship Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
803 E Olive St, Lamar, CO 81052
12 Month Certificate of Deposit
$500
4.41%
▲ 1.46% above national avg
▼
Rate4.32%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.46% above avg
Details
Certificate accounts have a 1% penalty for early withdrawal and have 10 days after the CD renews before a penalty.
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1099 18th St, Denver, CO 80202
12 Month Certificate of Deposit
$50,000
4.33%
▲ 1.38% above national avg
▼
Rate4.33%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.38% above avg
Details
Interest paid quarterly via ACH to any account designated by the customer institution; Withdrawal before maturity is not permitted; BBW can arrange for the safekeeping of the instrument upon request
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%
▲ 1.30% above national avg
▼
Rate4.16%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.30% above avg
Details
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
22 Town Plz, Durango, CO 81301 5104
12 Month Term Certificates
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
5935 S Zang St, Littleton, CO 80127
12-Month CD
$10,000
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
5935 S Zang St, Littleton, CO 80127
12-Month Certificate Special
$10,000
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
New Money Only; Limited Availability; Special rate cannot be combined with Loyalty Rewards; 90 day penalty for early withdrawal; At maturity the balance will automatically renew into a standard 6 month term
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
120 S Wilcox St, Castle Rock, CO 80104
12 Month CD
$0
3.95%
▲ 1.00% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.00% above avg
Details
A penalty may be imposed for early withdrawal. Certificate will automatically renew to a fixed rate CD of the equivalent term with the current rate at renewal. The Annual Percentage Yield is current as of August 24, 2026, and is subject to change at any time without notice.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
17455 E Exposition Dr, Aurora, CO 80017
12 Month Bonus Certificates
$0
3.95%
▲ 1.00% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.00% above avg
Details
Balance: 12 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
17455 E Exposition Dr, Aurora, CO 80017
12 Month Bonus IRA Certificates
$0
3.95%
▲ 1.00% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.00% above avg
Details
Balance: 12 Month
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
101 S 6th St, Dolores, CO 81323
1 Year Certificate
$0
3.91%
▲ 0.96% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.96% above avg
Details
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%
▲ 0.96% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.96% above avg
Details
$100,000
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7600 E Orchard Rd, Greenwood Village, CO 80111
12 Month Traditional CD
$0
3.90%
▲ 0.95% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.95% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7600 E Orchard Rd, Greenwood Village, CO 80111
12 Month Jumbo CD
$0
3.90%
▲ 0.95% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.95% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7600 E Orchard Rd, Greenwood Village, CO 80111
12 Month Youth CD
$0
3.90%
▲ 0.95% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.95% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7600 E Orchard Rd, Greenwood Village, CO 80111
12 Month HSA CD
$0
3.90%
▲ 0.95% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.95% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7600 E Orchard Rd, Greenwood Village, CO 80111
12 Month IRA Jumbo CD
$0
3.90%
▲ 0.95% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.95% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7600 E Orchard Rd, Greenwood Village, CO 80111
12 Month Business CDs
$0
3.90%
▲ 0.95% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.95% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7600 E Orchard Rd, Greenwood Village, CO 80111
12 Months CD
$0
3.90%
▲ 0.95% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.95% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7600 E Orchard Rd, Greenwood Village, CO 80111
12 Month Youth Certificate of Deposit
$0
3.90%
▲ 0.95% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.95% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7600 E Orchard Rd, Greenwood Village, CO 80111
12 Month IRA CD
$500
3.90%
▲ 0.95% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.95% above avg
Details
Invest a portion of your Traditional or Roth IRA Defer tax payments on Traditional IRA earnings to future withdrawals** Enjoy higher rates than a traditional savings account
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
1615 E Evans Ave, Pueblo, CO 81004 3418
1 Year Share Certificate
$50,000
3.86%
▲ 0.91% above national avg
▼
Rate3.80%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.91% above avg
Details
Balance: $50,000+
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
1615 E Evans Ave, Pueblo, CO 81004 3418
1 Year Youth CD
$50,000
3.86%
▲ 0.91% above national avg
▼
Rate3.80%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.91% above avg
Details
Balance: $50,000+
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
123 N College Ave, Fort Collins, CO 80524
12 Month Certificate of Deposit
$1,000
3.85%
▲ 0.90% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.90% above avg
Details
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
6221 Sheridan Blvd, Arvada, CO 80003
12 Month Certificate
$0
3.85%
▲ 0.90% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.90% above avg
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
816 Washington Ave, Golden, CO 80401
12 Month CD
$0
3.85%
▲ 0.90% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.90% above avg
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
816 Washington Ave, Golden, CO 80401
12 Month JUMBO certificates
$0
3.85%
▲ 0.90% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.90% above avg
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
816 Washington Ave, Golden, CO 80401
12 Month Jumbo IRA CD
$0
3.85%
▲ 0.90% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.90% above avg
Details
Ent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
7250 Campus Dr, Colorado Springs, CO 80920 6517
12 Month Certificate
$0
3.85%
▲ 0.90% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.90% above avg
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
1275 Tremont Pl, Denver, CO 80204 2118
1 Year Certificate
$0
3.80%
▲ 0.85% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.85% above avg
Details
Account Balance $100,000
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
1549 E Abriendo Ave, Pueblo, CO 81004 3403
12 Month IRA Certificate
$1,000
3.80%
▲ 0.85% above national avg
▼
Rate3.41%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.85% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
17455 E Exposition Dr, Aurora, CO 80017
12 Month Certificates
$0
3.79%
▲ 0.84% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.84% above avg
Details
Balance: 12 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
17455 E Exposition Dr, Aurora, CO 80017
YOUth Boost 12-Month
$0
3.79%
▲ 0.84% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.84% above avg
Details
Balance: YOUth Boost 12-Month
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
5080 W 60th Ave, Arvada, CO 80003 6919
Share & IRA Certificates - 12 Month Term- Jumbo
$0
3.77%
▲ 0.82% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.82% above avg
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
8250 Razorback Rd, Colorado Springs, CO 80920
12 Month Certificate of Deposit
$500
3.75%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.80% above avg
Details
North Valley Bank Thornton, CO
Institution Rating:
A5.0 ★Texas Ratio: 13.05%
9001 Washington St, Thornton, CO 80229
1 Year CD
$1,000
3.75%
▲ 0.80% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.80% above avg
Details
Grand Junction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
633 24 Rd, Grand Junction, CO 81505
12 Month CD
$0
3.75%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.80% above avg
Details
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
209 E Main St Ste 104, Rangely, CO 81648
1 Year Share Certificates
$0
3.75%
▲ 0.80% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.80% above avg
Details
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
9053 Harlan St Ste 10, Westminster, CO 80031 2908
12-Month Jumbo Share Certificate
$10,000
3.75%
▲ 0.80% above national avg
▼
Rate3.68%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.80% above avg
Details
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
9053 Harlan St Ste 10, Westminster, CO 80031 2908
12-Month Share Certificate
$500
3.75%
▲ 0.80% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.80% above avg
Details
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
9053 Harlan St Ste 10, Westminster, CO 80031 2908
IRA Certificate - 1 Year
$1,000
3.75%
▲ 0.80% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.80% above avg
Details
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
9053 Harlan St Ste 10, Westminster, CO 80031 2908
IRA Certificates (Traditional & Roth) - 1 Year
$1,000
3.75%
▲ 0.80% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.80% above avg
Details
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
9053 Harlan St Ste 10, Westminster, CO 80031 2908
Share Certificate - 12-Month
$500
3.75%
▲ 0.80% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.80% above avg
Details
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
1615 E Evans Ave, Pueblo, CO 81004 3418
1 Year Share Certificate
$500
3.75%
▲ 0.80% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.80% above avg
Details
Balance: $500 - $49,999.99
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
1615 E Evans Ave, Pueblo, CO 81004 3418
1 Year Youth CD
$50
3.75%
▲ 0.80% above national avg
▼
Rate3.70%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.80% above avg
Details
Balance: $50 - $49,999
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
816 Washington Ave, Golden, CO 80401
12 Month CD
$0
3.75%
▲ 0.80% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.80% above avg
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
816 Washington Ave, Golden, CO 80401
12 Month Term certificate
$0
3.75%
▲ 0.80% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.80% above avg
Details
Colorado 18 Month CD Rates
MonitorBankRates National Average · 18 Month CD2.82% APY▼ 0.01% from last week
The national average 18-month CD rate is 2.82% APY as of September 22, 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
The District Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
751 Chambers Rd, Aurora, CO 80011 7151
18 Month Term Certificate
$0
5.00%
▲ 2.18% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 2.18% above avg
Details
Penalty for early withdrawal: 180 days dividends
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1099 18th St, Denver, CO 80202
18 Month Certificate of Deposit
$50,000
4.30%
▲ 1.48% above national avg
▼
Rate4.30%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.48% above avg
Details
Interest paid quarterly via ACH to any account designated by the customer institution; Withdrawal before maturity is not permitted; BBW can arrange for the safekeeping of the instrument upon request
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%
▲ 1.38% above national avg
▼
Rate4.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.38% above avg
Details
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
123 N College Ave, Fort Collins, CO 80524
18 Month Certificate of Deposit
$1,000
3.90%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.08% above avg
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
101 S 6th St, Dolores, CO 81323
18 Month Certificate
$0
3.80%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.98% above avg
Details
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%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.98% above avg
Details
$100,000
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%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.98% above avg
Details
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
2380 E Bridge St, Brighton, CO 80601
18 Month CD
$0
3.65%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.83% above avg
Details
Balance: $100,000 +
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
2380 E Bridge St, Brighton, CO 80601
18 Month CDs & IRA Certificates of Deposit
$0
3.65%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.83% above avg
Details
Balance: $100,000 +
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
120 S Wilcox St, Castle Rock, CO 80104
18 Month CD
$0
3.60%
▲ 0.78% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.78% above avg
Details
A penalty may be imposed for early withdrawal. Certificate will automatically renew to a fixed rate CD of the equivalent term with the current rate at renewal. The Annual Percentage Yield is current as of August 24, 2026, and is subject to change at any time without notice.
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
303 N Main St, Gunnison, CO 81230
18 Month (Variable Rate) IRA Certificate
$500
3.56%
▲ 0.74% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.74% above avg
Details
Variable Rate
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
303 N Main St, Gunnison, CO 81230
18 Month Certificate
$500
3.56%
▲ 0.74% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.74% above avg
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
101 S 6th St, Dolores, CO 81323
18 Month Certificate
$1,000
3.55%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.73% above avg
Details
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%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.73% above avg
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
15151 E Alameda Pkwy, Aurora, CO 80012
Super Jumbo Certificates 18 Month
$0
3.55%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.73% above avg
Details
$50,000
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
2380 E Bridge St, Brighton, CO 80601
18 Month CD
$0
3.55%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.73% above avg
Details
Balance: $500-$99,999.99
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
2380 E Bridge St, Brighton, CO 80601
18 Month CDs & IRA Certificates of Deposit
$0
3.55%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.73% above avg
Details
Balance: $500-$99,999.99
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
760 Rood Ave, Grand Junction, CO 81501 3408
18 Month CD
$10,000
3.50%
▲ 0.68% above national avg
▼
Rate3.45%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.82%▲ 0.68% above avg
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
15151 E Alameda Pkwy, Aurora, CO 80012
Jumbo Certificates 18 Month
$0
3.50%
▲ 0.68% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.68% above avg
Details
$10,000
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
5505 Arapahoe Ave, Boulder, CO 80303
18 Month Share and IRA Certificates
$0
3.50%
▲ 0.68% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.68% above avg
Details
Foothills Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
7990 W Alameda Ave, Lakewood, CO 80226
18 Month Certificate
$0
3.50%
▲ 0.68% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.68% above avg
Details
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
1010 Johnson Rd Ste 120, Golden, CO 80401 6041
18 Month Certificate
$500
3.50%
▲ 0.68% above national avg
▼
Rate3.46%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.68% above avg
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
15151 E Alameda Pkwy, Aurora, CO 80012
18 Month Term Certificates
$0
3.45%
▲ 0.63% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.63% above avg
Details
$500 Minimum
Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
5935 S Zang St, Littleton, CO 80127
Certificates (CD) - 18 Months
$0
3.40%
▲ 0.58% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.58% above avg
Details
Penalty: 180 days interest
Northern Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
2901 S 27TH AVE, GREELEY, CO 80631
18 Month IRA CERT
$1,000
3.35%
▲ 0.53% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.53% above avg
Details
Northern Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
2901 S 27TH AVE, GREELEY, CO 80631
IRA CERT - 18 MONTH
$1,000
3.35%
▲ 0.53% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.53% above avg
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
1520 E Mulberry St, Fort Collins, CO 80524 3501
18 Month Certificate
$0
3.30%
▲ 0.48% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.48% above avg
Details
Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on the average daily balance. APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account. See our CD Truth in Savings Disclosure for further information.
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%
▲ 0.43% above national avg
▼
Rate3.20%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.43% above avg
Details
Penalty: 6 MO
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
1520 E Mulberry St, Fort Collins, CO 80524 3501
18 Month Certificate
$0
3.25%
▲ 0.43% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.43% above avg
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
1520 E Mulberry St, Fort Collins, CO 80524 3501
Business 18 Month Certificate
$0
3.25%
▲ 0.43% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.43% above avg
Details
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
13559 Huron St, Westminster, CO 80234 1161
18 Month IRA Share Certificates
$0
3.25%
▲ 0.43% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.43% above avg
Details
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
1549 E Abriendo Ave, Pueblo, CO 81004 3403
18 Month Certificate
$500
3.24%
▲ 0.42% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.42% above avg
Details
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
1549 E Abriendo Ave, Pueblo, CO 81004 3403
18 Month IRA Certificate
$1,000
3.24%
▲ 0.42% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.42% above avg
Details
First FarmBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
2939 65th Ave, Greeley, CO 80634
18 Month Certificate of Deposit
$1,000
3.20%
▲ 0.38% above national avg
▼
Rate3.16%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.38% above avg
Details
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
8205 Wellington Blvd, Wellington, CO 80549
18 Month Business Certificates
$500
3.20%
▲ 0.38% above national avg
▼
Rate3.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.38% above avg
Details
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
8205 Wellington Blvd, Wellington, CO 80549
18 Month Share Certificate
$500
3.20%
▲ 0.38% above national avg
▼
Rate3.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.38% above avg
Details
Integrity Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
1275 Village Ridge Pt, Monument, CO 80132
18 Month Certificate of Deposit
$0
3.19%
▲ 0.37% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.37% above avg
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
1275 Tremont Pl, Denver, CO 80204 2118
18 Month Certificate
$0
3.15%
▲ 0.33% above national avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.33% above avg
Details
Account Balance $100,000
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
8250 Razorback Rd, Colorado Springs, CO 80920
18 Month Certificate of Deposit
$500
3.10%
▲ 0.28% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.28% above avg
Details
Peoples Credit Union Springfield, CO
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
125 Main St, Springfield, CO 81073
18 Month Certificate of Deposit
$100
3.07%
▲ 0.25% above national avg
▼
Rate3.05%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.25% above avg
Details
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
155 Boardwalk Dr, Fort Collins, CO 80525
18 Month Certificate
$0
3.05%
▲ 0.23% above national avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.23% above avg
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
1275 Tremont Pl, Denver, CO 80204 2118
18 Month Certificate
$0
3.05%
▲ 0.23% above national avg
▼
Rate3.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.23% above avg
Details
Account Balance $25,000
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
1275 Tremont Pl, Denver, CO 80204 2118
Traditional Certificate of Deposit (CD) - 18 Month
$0
2.95%
▲ 0.13% above national avg
▼
Rate2.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.13% above avg
Details
Balance: $10,000 and over
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
1275 Tremont Pl, Denver, CO 80204 2118
Traditional Certificate of Deposit (CD) - 18 Month
$0
2.85%
▲ 0.03% above national avg
▼
Rate2.82%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.03% above avg
Details
Balance: $500 - $9,999.99
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
1400 E Main St, Montrose, CO 81401
18 Month Certificate
$0
2.63%
▼ 0.19% below national avg
▼
Rate2.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▼ 0.19% below avg
Details
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
2960 Diagonal Highway, Boulder, CO 80301 1412
18 Month Certificate
$500
2.50%
▼ 0.32% below national avg
▼
Rate2.47%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 0.32% below avg
Details
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
2960 Diagonal Highway, Boulder, CO 80301 1412
HSA 18 Month Certificate
$0
2.50%
▼ 0.32% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 0.32% below avg
Details
Standard; Certificates (IRA, HSA)
5Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
104 S Cascade Ave, Colorado Springs, CO 80903
18 Month CD/IRA
$1,000
2.45%
▼ 0.37% below national avg
▼
Rate2.42%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▼ 0.37% below avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7600 E Orchard Rd, Greenwood Village, CO 80111
18 Month Smart Move CD
$2,500
2.40%
▼ 0.42% below national avg
▼
Rate2.37%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▼ 0.42% below avg
Details
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
2.35%
▼ 0.47% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 0.47% below avg
Details
Colorado 24 Month CD Rates
MonitorBankRates National Average · 24 Month CD2.84% APYUnchanged from last week
The national average 24-month CD rate is 2.84% APY as of September 22, 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
4.39%
▲ 1.55% above national avg
▼
Rate4.30%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.55% above avg
Details
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1099 18th St, Denver, CO 80202
24 Month Certificate of Deposit
$50,000
4.32%
▲ 1.48% above national avg
▼
Rate4.32%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.48% above avg
Details
Interest paid quarterly via ACH to any account designated by the customer institution; Withdrawal before maturity is not permitted; BBW can arrange for the safekeeping of the instrument upon request
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
22 Town Plz, Durango, CO 81301 5104
24 Month Term Certificates
$0
4.11%
▲ 1.27% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.27% above avg
Details
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%
▲ 1.26% above national avg
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.26% above avg
Details
Fellowship Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
803 E Olive St, Lamar, CO 81052
24 Month Certificate of Deposit
$500
4.07%
▲ 1.23% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.23% above avg
Details
Certificate accounts have a 1% penalty for early withdrawal and have 10 days after the CD renews before a penalty.
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7600 E Orchard Rd, Greenwood Village, CO 80111
24 Month Traditional CD
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7600 E Orchard Rd, Greenwood Village, CO 80111
24 Month HSA CD
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7600 E Orchard Rd, Greenwood Village, CO 80111
24 Month Business CDs
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7600 E Orchard Rd, Greenwood Village, CO 80111
24 Months CD
$0
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7600 E Orchard Rd, Greenwood Village, CO 80111
24 Month IRA CD
$500
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Invest a portion of your Traditional or Roth IRA Defer tax payments on Traditional IRA earnings to future withdrawals** Enjoy higher rates than a traditional savings account
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
17455 E Exposition Dr, Aurora, CO 80017
24 Month Bonus Certificates
$0
3.96%
▲ 1.12% above national avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.12% above avg
Details
Balance: 24 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
17455 E Exposition Dr, Aurora, CO 80017
24 Month Bonus IRA Certificates
$0
3.96%
▲ 1.12% above national avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.12% above avg
Details
Balance: 24 Month
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
123 N College Ave, Fort Collins, CO 80524
24 Month Certificate of Deposit
$1,000
3.95%
▲ 1.11% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.11% above avg
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
816 Washington Ave, Golden, CO 80401
24 Month JUMBO certificates
$0
3.95%
▲ 1.11% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.11% above avg
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
816 Washington Ave, Golden, CO 80401
24 Month Jumbo IRA CD
$0
3.95%
▲ 1.11% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.11% above avg
Details
Ent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
7250 Campus Dr, Colorado Springs, CO 80920 6517
24 Month Standard CD
$500
3.90%
▲ 1.06% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.06% above avg
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
816 Washington Ave, Golden, CO 80401
24 Month Term certificate
$0
3.85%
▲ 1.01% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.01% above avg
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
816 Washington Ave, Golden, CO 80401
24 Month Traditional IRA Certificates
$0
3.85%
▲ 1.01% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.01% above avg
Details
traditional ira, roth ira and sep ira
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
17455 E Exposition Dr, Aurora, CO 80017
24 Month Certificates
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.96% above avg
Details
Balance: 24 Month
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
101 S 6th St, Dolores, CO 81323
2 Year Certificate
$0
3.70%
▲ 0.86% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.86% above avg
Details
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%
▲ 0.86% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.86% above avg
Details
$100,000
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
2380 E Bridge St, Brighton, CO 80601
24 Month CD
$0
3.65%
▲ 0.81% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.81% above avg
Details
Balance: $100,000 +
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
2380 E Bridge St, Brighton, CO 80601
24 Month CDs & IRA Certificates of Deposit
$0
3.65%
▲ 0.81% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.81% above avg
Details
Balance: $100,000 +
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
5080 W 60th Ave, Arvada, CO 80003 6919
Share & IRA Certificates - 24 Month Term- Jumbo
$0
3.61%
▲ 0.77% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.77% above avg
Details
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
6980 S Holly Cir, Centennial, CO 80112 1018
24 Month Certificate of Deposit
$100,000
3.60%
▲ 0.76% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
1615 E Evans Ave, Pueblo, CO 81004 3418
2 Year Share Certificate
$50,000
3.60%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details
Balance: $50,000+
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
1549 E Abriendo Ave, Pueblo, CO 81004 3403
24 Month Certificate
$500
3.60%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
1549 E Abriendo Ave, Pueblo, CO 81004 3403
24 Month IRA Certificate
$1,000
3.60%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
303 N Main St, Gunnison, CO 81230
2 Year Certificate
$500
3.57%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.73% above avg
Details
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
303 N Main St, Gunnison, CO 81230
2 Years IRA Certificate
$500
3.57%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.73% above avg
Details
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
9053 Harlan St Ste 10, Westminster, CO 80031 2908
24-Month Share Certificate
$500
3.55%
▲ 0.71% above national avg
▼
Rate3.49%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.71% above avg
Details
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
9053 Harlan St Ste 10, Westminster, CO 80031 2908
IRA Certificate - 2 Year
$1,000
3.55%
▲ 0.71% above national avg
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.71% above avg
Details
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
9053 Harlan St Ste 10, Westminster, CO 80031 2908
IRA Certificates (Traditional & Roth) - 2 Year
$1,000
3.55%
▲ 0.71% above national avg
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.71% above avg
Details
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
9053 Harlan St Ste 10, Westminster, CO 80031 2908
Share Certificate - 24-Month
$500
3.55%
▲ 0.71% above national avg
▼
Rate3.49%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.71% above avg
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
15151 E Alameda Pkwy, Aurora, CO 80012
IRA 24 Month CD
$0
3.55%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.71% above avg
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
15151 E Alameda Pkwy, Aurora, CO 80012
Super Jumbo Certificates 24 Month
$0
3.55%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.71% above avg
Details
$50,000
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
2380 E Bridge St, Brighton, CO 80601
24 Month CD
$0
3.55%
▲ 0.71% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.71% above avg
Details
Balance: $500-$99,999.99
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
2380 E Bridge St, Brighton, CO 80601
24 Month CDs & IRA Certificates of Deposit
$0
3.55%
▲ 0.71% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.71% above avg
Details
Balance: $500-$99,999.99
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
5080 W 60th Ave, Arvada, CO 80003 6919
Share & IRA Certificates - 24 Month Term
$0
3.51%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.67% above avg
Details
North Valley Bank Thornton, CO
Institution Rating:
A5.0 ★Texas Ratio: 13.05%
9001 Washington St, Thornton, CO 80229
2 Year CD
$1,000
3.50%
▲ 0.66% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.66% above avg
Details
Columbine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
4902 E Dry Creek Rd, Centennial, CO 80122
2 Year Jumbo IRA Share Certificates
$0
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.66% above avg
Details
Columbine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
4902 E Dry Creek Rd, Centennial, CO 80122
2 Year Jumbo Share Certificates
$0
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.66% above avg
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
15151 E Alameda Pkwy, Aurora, CO 80012
Jumbo Certificates 24 Month
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.66% above avg
Details
$10,000
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
6980 S Holly Cir, Centennial, CO 80112 1018
24 Month Certificate of Deposit
$500
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
5505 Arapahoe Ave, Boulder, CO 80303
24 Month Share and IRA Certificates
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
1615 E Evans Ave, Pueblo, CO 81004 3418
2 Year Share Certificate
$500
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
Balance: $500 - $49,999.99
Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
5935 S Zang St, Littleton, CO 80127
Certificates (CD) - 24 Months
$0
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
Penalty: 180 days interest
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
1010 Johnson Rd Ste 120, Golden, CO 80401 6041
24 Month Baby-Jumbo Certificate
$50,000
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
1010 Johnson Rd Ste 120, Golden, CO 80401 6041
24 Month Certificate
$500
3.50%
▲ 0.66% above national avg
▼
Rate3.46%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
720 W Midland Ave, Woodland Park, CO 80863 3025
24-Month Certificate
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
Colorado 36 Month CD Rates
MonitorBankRates National Average · 36 Month CD2.76% APYUnchanged from last week
The national average 36-month CD rate is 2.76% APY as of September 22, 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
4.44%
▲ 1.68% above national avg
▼
Rate4.35%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.68% above avg
Details
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1099 18th St, Denver, CO 80202
36 Month Certificate of Deposit
$50,000
4.25%
▲ 1.49% above national avg
▼
Rate4.25%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.49% above avg
Details
Interest paid quarterly via ACH to any account designated by the customer institution; Withdrawal before maturity is not permitted; BBW can arrange for the safekeeping of the instrument upon request
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
816 Washington Ave, Golden, CO 80401
36 Month JUMBO certificates
$0
4.10%
▲ 1.34% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.34% above avg
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
816 Washington Ave, Golden, CO 80401
36 Month Jumbo IRA CD
$0
4.10%
▲ 1.34% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.34% above avg
Details
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%
▲ 1.33% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.33% above avg
Details
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%
▲ 1.29% above national avg
▼
Rate3.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.29% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7600 E Orchard Rd, Greenwood Village, CO 80111
36 Month Traditional CD
$0
4.05%
▲ 1.29% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.29% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7600 E Orchard Rd, Greenwood Village, CO 80111
36 Month HSA CD
$0
4.05%
▲ 1.29% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.29% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7600 E Orchard Rd, Greenwood Village, CO 80111
36 Month Business CDs
$0
4.05%
▲ 1.29% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.29% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7600 E Orchard Rd, Greenwood Village, CO 80111
36 Months CD
$0
4.05%
▲ 1.29% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.29% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7600 E Orchard Rd, Greenwood Village, CO 80111
36 Month IRA CD
$500
4.05%
▲ 1.29% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.29% above avg
Details
Invest a portion of your Traditional or Roth IRA Defer tax payments on Traditional IRA earnings to future withdrawals** Enjoy higher rates than a traditional savings account
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
816 Washington Ave, Golden, CO 80401
36 Month Term certificate
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
816 Washington Ave, Golden, CO 80401
36 Month Traditional IRA Certificates
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details
traditional ira, roth ira and sep ira
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
17455 E Exposition Dr, Aurora, CO 80017
36 Month Bonus Certificates
$0
3.97%
▲ 1.21% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.21% above avg
Details
Balance: 36 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
17455 E Exposition Dr, Aurora, CO 80017
36 Month Bonus IRA Certificates
$0
3.97%
▲ 1.21% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.21% above avg
Details
Balance: 36 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
17455 E Exposition Dr, Aurora, CO 80017
36 Month Certificates
$0
3.81%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.05% above avg
Details
Balance: 36 Month
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
2380 E Bridge St, Brighton, CO 80601
36 Month CD
$0
3.75%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details
Balance: $100,000 +
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
2380 E Bridge St, Brighton, CO 80601
36 Month CDs & IRA Certificates of Deposit
$0
3.75%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details
Balance: $100,000 +
Ent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
7250 Campus Dr, Colorado Springs, CO 80920 6517
36 Month Flex Certificate
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details
Ent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
7250 Campus Dr, Colorado Springs, CO 80920 6517
36-Month Flex Certificate
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
101 S 6th St, Dolores, CO 81323
3 Year Certificate
$0
3.70%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.94% above avg
Details
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%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.94% above avg
Details
$100,000
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
22 Town Plz, Durango, CO 81301 5104
36 Month Term Certificates
$0
3.65%
▲ 0.89% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.89% above avg
Details
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
2380 E Bridge St, Brighton, CO 80601
36 Month CD
$0
3.65%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.89% above avg
Details
Balance: $500-$99,999.99
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
2380 E Bridge St, Brighton, CO 80601
36 Month CDs & IRA Certificates of Deposit
$0
3.65%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.89% above avg
Details
Balance: $500-$99,999.99
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
1075 Acoma St, Denver, CO 80204 4326
36 Month Certificate of Deposit
$0
3.65%
▲ 0.89% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.89% above avg
Details
Compounded/Credited: Monthly
Ent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
7250 Campus Dr, Colorado Springs, CO 80920 6517
24 - 36 Month Flex CD
$1,000
3.65%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.89% above avg
Details
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.
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
1010 Johnson Rd Ste 120, Golden, CO 80401 6041
36 Month Certificate
$500
3.60%
▲ 0.84% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.84% above avg
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
15151 E Alameda Pkwy, Aurora, CO 80012
IRA 36 Month CD
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.79% above avg
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
15151 E Alameda Pkwy, Aurora, CO 80012
Super Jumbo Certificates 36 Month
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.79% above avg
Details
$50,000
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
760 Rood Ave, Grand Junction, CO 81501 3408
36 Month CD
$10,000
3.50%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.76%▲ 0.74% above avg
Details
Columbine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
4902 E Dry Creek Rd, Centennial, CO 80122
3 Year Jumbo IRA Share Certificates
$0
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.74% above avg
Details
Columbine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
4902 E Dry Creek Rd, Centennial, CO 80122
3 Year Jumbo Share Certificates
$0
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.74% above avg
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
15151 E Alameda Pkwy, Aurora, CO 80012
Jumbo Certificates 36 Month
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.74% above avg
Details
$10,000
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
5505 Arapahoe Ave, Boulder, CO 80303
36 Month Share and IRA Certificates
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.74% above avg
Details
Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
5935 S Zang St, Littleton, CO 80127
Certificates (CD) - 36 Months
$0
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.74% above avg
Details
Penalty: 180 days interest
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%
▲ 0.70% above national avg
▼
Rate3.40%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.70% above avg
Details
Penalty: 12 MO
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
9053 Harlan St Ste 10, Westminster, CO 80031 2908
36-Month Jumbo Share Certificate
$10,000
3.45%
▲ 0.69% above national avg
▼
Rate3.39%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.69% above avg
Details
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
9053 Harlan St Ste 10, Westminster, CO 80031 2908
36-Month Share Certificate
$500
3.45%
▲ 0.69% above national avg
▼
Rate3.39%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.69% above avg
Details
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
9053 Harlan St Ste 10, Westminster, CO 80031 2908
IRA Certificate - 3 Year
$1,000
3.45%
▲ 0.69% above national avg
▼
Rate3.39%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.69% above avg
Details
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
9053 Harlan St Ste 10, Westminster, CO 80031 2908
IRA Certificates (Traditional & Roth) - 3 Year
$1,000
3.45%
▲ 0.69% above national avg
▼
Rate3.39%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.69% above avg
Details
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
9053 Harlan St Ste 10, Westminster, CO 80031 2908
Share Certificate - 36-Month
$500
3.45%
▲ 0.69% above national avg
▼
Rate3.39%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.69% above avg
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
15151 E Alameda Pkwy, Aurora, CO 80012
36 Month Term Certificates
$0
3.45%
▲ 0.69% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.69% above avg
Details
$500 Minimum
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
101 S 6th St, Dolores, CO 81323
3 Year Certificate
$1,000
3.44%
▲ 0.68% above national avg
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.68% above avg
Details
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3033 E 1st Ave, Denver, CO 80206
36 Month Certificate
$0
3.40%
▲ 0.64% above national avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.64% above avg
Details
Balance: $1,000 or more
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3033 E 1st Ave, Denver, CO 80206
Business 36 Month Certificate
$0
3.40%
▲ 0.64% above national avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.64% above avg
Details
Balance: $1,000 or more
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
1275 Tremont Pl, Denver, CO 80204 2118
3 Year Certificate
$0
3.40%
▲ 0.64% above national avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.64% above avg
Details
Account Balance $100,000
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
6980 S Holly Cir, Centennial, CO 80112 1018
36 Month Certificate of Deposit
$100,000
3.40%
▲ 0.64% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.64% above avg
Details
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
9305 W ALAMEDA AVE, LAKEWOOD, CO 80226
36 Month Certificate
$0
3.40%
▲ 0.64% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.64% above avg
Details
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
9305 W ALAMEDA AVE, LAKEWOOD, CO 80226
IRA 36 Month Certificate
$0
3.40%
▲ 0.64% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.64% above avg
Details
Balance: $1,000 and over
Colorado 48 Month CD Rates
MonitorBankRates National Average · 48 Month CD2.77% APY▼ 0.01% from last week
The national average 48-month CD rate is 2.77% APY as of September 22, 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
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
816 Washington Ave, Golden, CO 80401
48 Month JUMBO certificates
$0
4.20%
▲ 1.43% above national avg
▼
Rate4.12%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.43% above avg
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
816 Washington Ave, Golden, CO 80401
48 Month Jumbo IRA CD
$0
4.20%
▲ 1.43% above national avg
▼
Rate4.12%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.43% above avg
Details
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1099 18th St, Denver, CO 80202
48 Month Certificate of Deposit
$50,000
4.18%
▲ 1.41% above national avg
▼
Rate4.18%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.41% above avg
Details
Interest paid quarterly via ACH to any account designated by the customer institution; Withdrawal before maturity is not permitted; BBW can arrange for the safekeeping of the instrument upon request
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
816 Washington Ave, Golden, CO 80401
48 Month Term certificate
$0
4.10%
▲ 1.33% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.33% above avg
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
816 Washington Ave, Golden, CO 80401
48 Month Traditional IRA Certificates
$0
4.10%
▲ 1.33% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.33% above avg
Details
traditional ira, roth ira and sep ira
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
303 N Main St, Gunnison, CO 81230
4 Year Certificate
$500
4.09%
▲ 1.32% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.32% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
17455 E Exposition Dr, Aurora, CO 80017
48 Month Bonus Certificates
$0
3.97%
▲ 1.20% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.20% above avg
Details
Balance: 48 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
17455 E Exposition Dr, Aurora, CO 80017
48 Month Bonus IRA Certificates
$0
3.97%
▲ 1.20% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.20% above avg
Details
Balance: 48 Month
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
2380 E Bridge St, Brighton, CO 80601
48 Month CD
$0
3.85%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.08% above avg
Details
Balance: $100,000 +
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
2380 E Bridge St, Brighton, CO 80601
48 Month CDs & IRA Certificates of Deposit
$0
3.85%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.08% above avg
Details
Balance: $100,000 +
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
17455 E Exposition Dr, Aurora, CO 80017
48 Month Certificates
$0
3.81%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.04% above avg
Details
Balance: 48 Month
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
2380 E Bridge St, Brighton, CO 80601
48 Month CD
$0
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
Balance: $500-$99,999.99
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
2380 E Bridge St, Brighton, CO 80601
48 Month CDs & IRA Certificates of Deposit
$0
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
Balance: $500-$99,999.99
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
101 S 6th St, Dolores, CO 81323
4 Year Certificate
$0
3.70%
▲ 0.93% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.93% above avg
Details
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%
▲ 0.93% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.93% above avg
Details
$100,000
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
1075 Acoma St, Denver, CO 80204 4326
48 Month Certificate of Deposit
$0
3.70%
▲ 0.93% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.93% above avg
Details
Compounded/Credited: Monthly
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
1010 Johnson Rd Ste 120, Golden, CO 80401 6041
48 Month Baby-Jumbo Certificate
$50,000
3.60%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
1010 Johnson Rd Ste 120, Golden, CO 80401 6041
48 Month Certificate
$500
3.60%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details
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%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.79% above avg
Details
Penalty: 3 MO+
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
15151 E Alameda Pkwy, Aurora, CO 80012
IRA 48 Month CD
$0
3.55%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.78% above avg
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
15151 E Alameda Pkwy, Aurora, CO 80012
Super Jumbo Certificates 48 Month
$0
3.55%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.78% above avg
Details
$50,000
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
22 Town Plz, Durango, CO 81301 5104
48 Month Term Certificates
$0
3.51%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.74% above avg
Details
Columbine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
4902 E Dry Creek Rd, Centennial, CO 80122
4 Year Jumbo IRA Share Certificates
$0
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.73% above avg
Details
Columbine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
4902 E Dry Creek Rd, Centennial, CO 80122
4 Year Jumbo Share Certificates
$0
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.73% above avg
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
15151 E Alameda Pkwy, Aurora, CO 80012
Jumbo Certificates 48 Month
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.73% above avg
Details
$10,000
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
5505 Arapahoe Ave, Boulder, CO 80303
48 Month Share and IRA Certificates
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
5935 S Zang St, Littleton, CO 80127
Certificates (CD) - 48 Months
$0
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
Penalty: 180 days interest
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3033 E 1st Ave, Denver, CO 80206
48 Month Certificate
$0
3.45%
▲ 0.68% above national avg
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.68% above avg
Details
Balance: $1,000 or more
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3033 E 1st Ave, Denver, CO 80206
Business 48 Month Certificate
$0
3.45%
▲ 0.68% above national avg
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.68% above avg
Details
Balance: $1,000 or more
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
15151 E Alameda Pkwy, Aurora, CO 80012
48 Month Term Certificates
$0
3.45%
▲ 0.68% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.68% above avg
Details
$500 Minimum
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
9305 W ALAMEDA AVE, LAKEWOOD, CO 80226
48 Month Certificate
$0
3.45%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.68% above avg
Details
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
9305 W ALAMEDA AVE, LAKEWOOD, CO 80226
IRA 48 Month Certificate
$0
3.45%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.68% above avg
Details
Balance: $1,000 and over
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
1075 Acoma St, Denver, CO 80204 4326
48 Month Certificate of Deposit
$0
3.45%
▲ 0.68% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.68% above avg
Details
Compounded/Credited: Monthly
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
101 S 6th St, Dolores, CO 81323
4 Year Certificate
$1,000
3.44%
▲ 0.67% above national avg
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.67% above avg
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
1275 Tremont Pl, Denver, CO 80204 2118
4 Year Certificate
$0
3.40%
▲ 0.63% above national avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.63% above avg
Details
Account Balance $100,000
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
6980 S Holly Cir, Centennial, CO 80112 1018
48 Month Certificate of Deposit
$100,000
3.40%
▲ 0.63% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.63% above avg
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
5080 W 60th Ave, Arvada, CO 80003 6919
Share & IRA Certificates - 48 Month Term
$0
3.35%
▲ 0.58% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.58% above avg
Details
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
8205 Wellington Blvd, Wellington, CO 80549
48 Month Business Certificates
$500
3.35%
▲ 0.58% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.58% above avg
Details
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
8205 Wellington Blvd, Wellington, CO 80549
48 Month Share Certificate
$500
3.35%
▲ 0.58% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.58% above avg
Details
Columbine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
4902 E Dry Creek Rd, Centennial, CO 80122
4 Year Regular IRA Share Certificates
$0
3.30%
▲ 0.53% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.53% above avg
Details
Balance: $1,000.00-$99,999.99
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
1275 Tremont Pl, Denver, CO 80204 2118
4 Year Certificate
$0
3.30%
▲ 0.53% above national avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.53% above avg
Details
Account Balance $25,000
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
6980 S Holly Cir, Centennial, CO 80112 1018
48 Month Certificate of Deposit
$500
3.30%
▲ 0.53% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.53% above avg
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
1520 E Mulberry St, Fort Collins, CO 80524 3501
48 Month Certificate
$0
3.30%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.53% above avg
Details
Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on the average daily balance. APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account. See our CD Truth in Savings Disclosure for further information.
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
1615 E Evans Ave, Pueblo, CO 81004 3418
4 Year Share Certificate
$50,000
3.30%
▲ 0.53% above national avg
▼
Rate3.26%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.53% above avg
Details
Balance: $50,000+
Foothills Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
7990 W Alameda Ave, Lakewood, CO 80226
48 Month Certificate
$0
3.30%
▲ 0.53% above national avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.53% above avg
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
720 W Midland Ave, Woodland Park, CO 80863 3025
48-Month Certificate
$0
3.30%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.53% above avg
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
720 W Midland Ave, Woodland Park, CO 80863 3025
48-Month IRA Certificate
$0
3.30%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.53% above avg
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
1520 E Mulberry St, Fort Collins, CO 80524 3501
48 Month Certificate
$0
3.25%
▲ 0.48% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.48% above avg
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
1520 E Mulberry St, Fort Collins, CO 80524 3501
Business 48 Month Certificate
$0
3.25%
▲ 0.48% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.48% above avg
Details
Weld Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
2555 47th Ave, Greeley, CO 80634 3722
Regular and IRA Certificates of Deposit - 48 Month Term
$500
3.25%
▲ 0.48% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.48% above avg
Details
Maximum total CD Deposit: $500,000 per person.
Colorado 60 Month CD Rates
MonitorBankRates National Average · 60 Month CD2.84% APY▼ 0.01% from last week
The national average 60-month CD rate is 2.84% APY as of September 22, 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
4.57%
▲ 1.73% above national avg
▼
Rate4.47%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.73% above avg
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
816 Washington Ave, Golden, CO 80401
60 Month JUMBO certificates
$0
4.35%
▲ 1.51% above national avg
▼
Rate4.27%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.51% above avg
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
816 Washington Ave, Golden, CO 80401
60 Month Jumbo IRA CD
$0
4.35%
▲ 1.51% above national avg
▼
Rate4.27%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.51% above avg
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
816 Washington Ave, Golden, CO 80401
60 Month Term certificate
$0
4.25%
▲ 1.41% above national avg
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.41% above avg
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
816 Washington Ave, Golden, CO 80401
60 Month Traditional IRA Certificates
$0
4.25%
▲ 1.41% above national avg
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.41% above avg
Details
traditional ira, roth ira and sep ira
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1099 18th St, Denver, CO 80202
60 Month Certificate of Deposit
$50,000
4.17%
▲ 1.33% above national avg
▼
Rate4.17%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.33% above avg
Details
Interest paid quarterly via ACH to any account designated by the customer institution; Withdrawal before maturity is not permitted; BBW can arrange for the safekeeping of the instrument upon request
Ent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
7250 Campus Dr, Colorado Springs, CO 80920 6517
60 Month Certificate
$0
4.15%
▲ 1.31% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.31% above avg
Details
Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
5935 S Zang St, Littleton, CO 80127
Certificates (CD) - 60 Months
$0
4.10%
▲ 1.26% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.26% above avg
Details
Penalty: 180 days interest
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7600 E Orchard Rd, Greenwood Village, CO 80111
60 Month Traditional CD
$0
4.10%
▲ 1.26% above national avg
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.26% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7600 E Orchard Rd, Greenwood Village, CO 80111
60 Month HSA CD
$0
4.10%
▲ 1.26% above national avg
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.26% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7600 E Orchard Rd, Greenwood Village, CO 80111
60 Month Business CDs
$0
4.10%
▲ 1.26% above national avg
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.26% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7600 E Orchard Rd, Greenwood Village, CO 80111
60 Months CD
$0
4.10%
▲ 1.26% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.26% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7600 E Orchard Rd, Greenwood Village, CO 80111
60 Month IRA CD
$500
4.10%
▲ 1.26% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.26% above avg
Details
Invest a portion of your Traditional or Roth IRA Defer tax payments on Traditional IRA earnings to future withdrawals** Enjoy higher rates than a traditional savings account
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
303 N Main St, Gunnison, CO 81230
5 Year Certificate
$500
4.09%
▲ 1.25% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.25% above avg
Details
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
303 N Main St, Gunnison, CO 81230
5 Years IRA Certificate
$500
4.09%
▲ 1.25% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.25% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
17455 E Exposition Dr, Aurora, CO 80017
60 Month Bonus Certificates
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Balance: 60 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
17455 E Exposition Dr, Aurora, CO 80017
60 Month Bonus IRA Certificates
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Balance: 60 Month
Weld Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
2555 47th Ave, Greeley, CO 80634 3722
Regular and IRA Certificates of Deposit - 60 Month Term
$500
4.00%
▲ 1.16% above national avg
▼
Rate3.92%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
Maximum total CD Deposit: $500,000 per person.
Weld Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
2555 47th Ave, Greeley, CO 80634 3722
Youth Certificates of Deposit - 60 Month Term
$100
4.00%
▲ 1.16% above national avg
▼
Rate3.92%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
Maximum total CD Deposit: $500,000 per person.
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%
▲ 1.11% above national avg
▼
Rate3.87%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.11% above avg
Details
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
2380 E Bridge St, Brighton, CO 80601
60 Month CD
$0
3.85%
▲ 1.01% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.01% above avg
Details
Balance: $100,000 +
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
2380 E Bridge St, Brighton, CO 80601
60 Month CDs & IRA Certificates of Deposit
$0
3.85%
▲ 1.01% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.01% above avg
Details
Balance: $100,000 +
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
17455 E Exposition Dr, Aurora, CO 80017
60 Month Certificates
$0
3.84%
▲ 1.00% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.00% above avg
Details
Balance: 60 Month
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
2380 E Bridge St, Brighton, CO 80601
60 Month CD
$0
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
Balance: $500-$99,999.99
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
2380 E Bridge St, Brighton, CO 80601
60 Month CDs & IRA Certificates of Deposit
$0
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
Balance: $500-$99,999.99
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
101 S 6th St, Dolores, CO 81323
5 Year Certificate
$0
3.70%
▲ 0.86% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.86% above avg
Details
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%
▲ 0.86% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.86% above avg
Details
$100,000
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
1075 Acoma St, Denver, CO 80204 4326
60 Month Certificate of Deposit
$0
3.70%
▲ 0.86% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.86% above avg
Details
Compounded/Credited: Monthly
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%
▲ 0.83% above national avg
▼
Rate3.60%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.83% above avg
Details
Penalty: 3 MO+
Fidelis Catholic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
6320 Wadsworth Blvd, Arvada, CO 80003 4838
60 Month Share Certificate
$0
3.65%
▲ 0.81% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.81% above avg
Details
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
1010 Johnson Rd Ste 120, Golden, CO 80401 6041
60 Month Baby-Jumbo Certificate
$50,000
3.60%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
1010 Johnson Rd Ste 120, Golden, CO 80401 6041
60 Month Certificate
$500
3.60%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
22 Town Plz, Durango, CO 81301 5104
60 Month Term Certificates
$0
3.56%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.72% above avg
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
15151 E Alameda Pkwy, Aurora, CO 80012
IRA 60 Month CD
$0
3.55%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.71% above avg
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
15151 E Alameda Pkwy, Aurora, CO 80012
Super Jumbo Certificates 60 Month
$0
3.55%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.71% above avg
Details
$50,000
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3033 E 1st Ave, Denver, CO 80206
60 Month Certificate
$0
3.51%
▲ 0.67% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.67% above avg
Details
Balance: $1,000 or more
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3033 E 1st Ave, Denver, CO 80206
Business 60 Month Certificate
$0
3.51%
▲ 0.67% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.67% above avg
Details
Balance: $1,000 or more
Columbine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
4902 E Dry Creek Rd, Centennial, CO 80122
5 Year Jumbo IRA Share Certificates
$0
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.66% above avg
Details
Columbine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
4902 E Dry Creek Rd, Centennial, CO 80122
5 Year Jumbo Share Certificates
$0
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.66% above avg
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
15151 E Alameda Pkwy, Aurora, CO 80012
Jumbo Certificates 60 Month
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.66% above avg
Details
$10,000
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
5505 Arapahoe Ave, Boulder, CO 80303
60 Month Share and IRA Certificates
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
9305 W ALAMEDA AVE, LAKEWOOD, CO 80226
60 Month Certificate
$0
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
9305 W ALAMEDA AVE, LAKEWOOD, CO 80226
IRA 60 Month Certificate
$0
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
Balance: $1,000 and over
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
9053 Harlan St Ste 10, Westminster, CO 80031 2908
IRA Certificate - 5 Year
$1,000
3.45%
▲ 0.61% above national avg
▼
Rate3.39%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.61% above avg
Details
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
9053 Harlan St Ste 10, Westminster, CO 80031 2908
IRA Certificates (Traditional & Roth) - 5 Year
$1,000
3.45%
▲ 0.61% above national avg
▼
Rate3.39%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.61% above avg
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
15151 E Alameda Pkwy, Aurora, CO 80012
60 Month Term Certificates
$0
3.45%
▲ 0.61% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.61% above avg
Details
$500 Minimum
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
1275 Tremont Pl, Denver, CO 80204 2118
5 Year Certificate
$0
3.45%
▲ 0.61% above national avg
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.61% above avg
Details
Account Balance $100,000
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
1075 Acoma St, Denver, CO 80204 4326
60 Month Certificate of Deposit
$0
3.45%
▲ 0.61% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.61% above avg
Details
Compounded/Credited: Monthly
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
101 S 6th St, Dolores, CO 81323
5 Year Certificate
$1,000
3.44%
▲ 0.60% above national avg
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.60% above avg
Details
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
8205 Wellington Blvd, Wellington, CO 80549
60 Month Business Certificates
$500
3.40%
▲ 0.56% above national avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.56% above avg
Details
Powered by
MonitorBankRates
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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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.
12-Month CD CO Avg
2.952%
▲ 0.030 vs 7 days ago
Colorado 12-month CD rates rose 0.030 points over the past 7 days to 2.952% APY.
6-Month CD CO Avg
2.767%
▲ 0.021 vs 7 days ago
Colorado 6-month CD rates rose 0.021 points over the past 7 days to 2.767% APY.
As of Sep 22, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
CO CD Rate Forecast, Next 12 Months
Where are Colorado CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
CO 12-Month Avg APY
2.952%
6-Month Forecast
2.952%
Range: 2.75% – 3.10%
12-Month Forecast
3.202%
Range: 3.00% – 3.35%
Powered by
MonitorBankRates
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 | 2.065% | $103.23 | $206.46 | $516.15 | $1,032.30 |
| 6-Month CD | 2.767% | $138.33 | $276.65 | $691.63 | $1,383.25 |
| 12-Month CD | 2.952% | $147.58 | $295.15 | $737.88 | $1,475.75 |
| 18-Month CD | 2.818% | $140.91 | $281.82 | $704.55 | $1,409.10 |
| 24-Month CD | 2.841% | $142.07 | $284.14 | $710.35 | $1,420.70 |
| 36-Month CD | 2.765% | $138.25 | $276.49 | $691.23 | $1,382.45 |
| 48-Month CD | 2.770% | $138.48 | $276.97 | $692.43 | $1,384.85 |
| 60-Month CD | 2.844% | $142.22 | $284.44 | $711.10 | $1,422.20 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 21, 2026. | |||||
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.
| Rung | Term | Deposit | CO Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.065% | $103.23 |
| 2 | 6-Month CD | $5,000 | 2.767% | $138.33 |
| 3 | 12-Month CD | $5,000 | 2.952% | $147.58 |
| 4 | 24-Month CD | $5,000 | 2.841% | $142.07 |
| 5 | 36-Month CD | $5,000 | 2.765% | $138.25 |
| Total ($25,000 invested) | $25,000 | 2.678% blended | $669.46/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.
806
CD Rates
Tracked in Colorado
Tracked in Colorado
32 Banks
43 Credit Unions
About Our Colorado CD Rate Database
MonitorBankRates tracks 806 CD rates from 32 banks and 43 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 (1–5), 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 43 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: 75 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
$154/yr
At CO 12-mo avg 2.952% 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 2.952%, saving 10% of the local median salary ($5,216/year) and putting it in a CD would earn an additional $154 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 (90–180 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, Bankers Bank of the West is offering its 6 Month Certificate of Deposit at 4.25% 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 4.57% 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)
- The District Federal Credit Union: 5.00% APY (12 Month ROTH IRA Term Certificate)
- 5Star Bank: 4.57% APY (60 Month Variable IRA)
- Fellowship Credit Union: 4.41% APY (12 Month Certificate of Deposit)
- On Tap Credit Union: 4.35% APY (60 Month JUMBO certificates)
- Bankers Bank of the West: 4.33% APY (12 Month Certificate of Deposit)
- Austin Capital Bank: 4.32% APY (3 Month CD)
- Colorado Federal Savings Bank: 4.25% APY (12 Month CD)
- Ent Credit Union: 4.15% APY (60 Month Certificate)
- Sunward: 4.11% APY (24 Month Term Certificates)
Rates reflect recent verified offers available in Colorado. Last Updated: September 21, 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 30–180 days of interest. Estimates are for informational purposes only.
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 LadderCO CD rates currently range from 2.065% (3-month) to 2.765% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Colorado CD at 5.12% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsColorado’s average 12-month CD is 2.952% 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: September 21, 2026
Cities in Colorado
Rate Assistant
MonitorBankRates.com · Live Data
Try asking