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Castle Rock, 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
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Castle Rock, Colorado CD rates include Ent Credit UnionEnt Credit Union190 S Wilcox St Ste G, Castle Rock, CO 80104A+5.0 ★Texas Ratio: 3.30%Real return: +1.35%APY minus CPI (February 2026) offering 60 Month Certificate at 4.15% APY, Bellco Credit UnionBellco Credit Union4611 Milestone Ln, Castle Rock, CO 80104A+5.0 ★Texas Ratio: 2.73%Real return: +1.30%APY minus CPI (February 2026) offering 60 Month Business CDs at 4.10% APY, FirsTier BankFirsTier Bank120 S Wilcox St, Castle Rock, CO 80104F2.0 ★Texas Ratio: 51.03%Real return: +1.15%APY minus CPI (February 2026) offering 12 Month CD at 3.95% APY, ANB BankANB Bank3851 Sol Danza Dr, Castle Rock, CO 80109A+5.0 ★Texas Ratio: 3.70%Real return: +0.71%APY minus CPI (February 2026) offering 60 Month Certificate at 3.51% APY, and Premier Members Credit UnionPremier Members Credit Union6355 Promenade Pkwy, Castle Rock, CO 80108A+5.0 ★Texas Ratio: 3.43%Real return: +0.70%APY minus CPI (February 2026) offering 12 Month Share and IRA Certificates at 3.50% APY. CD rates as of September 22, 2026 according to verified data from MonitorBankRates.
Castle Rock has 99 local institutions in our database, with CD rates as high as 4.15% APY from Ent Credit Union at 190 S Wilcox St Ste G, Castle Rock, CO 80104. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Colorado area. 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 22, 2026
Compare Best CD Rates in Castle Rock, Colorado & the Surrounding Area
Castle Rock 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Ent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
190 S Wilcox St Ste G, Castle Rock, CO 80104
3 Month Standard CD
$500
3.75%
▲ 1.69% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.69% 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.
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3851 Sol Danza Dr, Castle Rock, CO 80109
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%
3851 Sol Danza Dr, Castle Rock, CO 80109
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
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4611 Milestone Ln, Castle Rock, CO 80104
3 Month Business CDs
$0
2.75%
▲ 0.69% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.69% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4611 Milestone Ln, Castle Rock, CO 80104
3 Month IRA CD
$500
2.75%
▲ 0.69% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.69% above avg
Details
IRA & Coverdell CDs - $500 Minimum Account Balance
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4611 Milestone Ln, Castle Rock, CO 80104
3 Month Traditional CD
$0
2.75%
▲ 0.69% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.69% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4611 Milestone Ln, Castle Rock, CO 80104
3 Months CD
$0
2.75%
▲ 0.69% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.69% above avg
Details
Westerra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
4625 Trail Boss Dr, Castle Rock, CO 80104 2803
3 Month Certificate of Deposit (CD)
$0
1.85%
▼ 0.21% below national avg
▼
Rate1.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 0.21% below avg
Details
Westerra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
4625 Trail Boss Dr, Castle Rock, CO 80104 2803
Business Certificates of Deposit (CDs) - 3 Month
$500
1.85%
▼ 0.21% below national avg
▼
Rate1.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 0.21% below avg
Details
Westerra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
4625 Trail Boss Dr, Castle Rock, CO 80104 2803
Individual Retirement Account (IRA) CDs - 3 Month
$0
1.85%
▼ 0.21% below national avg
▼
Rate1.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 0.21% below avg
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
747 Genoa Way, Castle Rock, CO 80109
3 month Standard Interest Rate
$2,500
0.06%
▼ 2.00% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.00% below avg
Details
Early withdrawal penalties may apply.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
747 Genoa Way, Castle Rock, CO 80109
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.01% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.01% below avg
Details
Relationship APY 0.06%. Early withdrawal penalties may apply.
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
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
High Plains Bank Flagler, CO
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
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%
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
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
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%
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%
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%
3 Month Certificate
$500
3.40%
▲ 1.34% above national avg
▼
Rate3.36%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 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%
3 Month Certificate of Deposit
$0
3.30%
▲ 1.24% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.24% above avg
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
Certificates of Deposit (CD) - 3 Months
$0
3.30%
▲ 1.24% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.24% above avg
Details
Compounded/Credited: Monthly; Balance: $100.00+ Dividend Rate: 3.2511; $100,000.00+ Dividend Rate: 3.2511; $100,000.00 Annual Percentage Yield: 3.30
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
3 Month Certificate
$500
3.29%
▲ 1.23% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.23% above avg
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
3-Month Certificate
$0
3.25%
▲ 1.19% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.19% above avg
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
3-Month IRA Certificate
$0
3.25%
▲ 1.19% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.19% above avg
Details
North Valley Bank Thornton, CO
Institution Rating:
A5.0 ★Texas Ratio: 13.05%
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%
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%
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
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
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%
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%
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%
3 Month Share Certificates
$0
2.75%
▲ 0.69% above national avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.69% above avg
Details
$50,000+
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
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 22, 2026
National Average2.06%▲ 0.69% above avg
Details
$10,000
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
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 22, 2026
National Average2.06%▲ 0.69% above avg
Details
$25,000
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
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 22, 2026
National Average2.06%▲ 0.69% above avg
Details
$500
Integrity Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
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%
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%
3 Month Certificate
$500
2.50%
▲ 0.44% above national avg
▼
Rate2.47%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.44% above avg
Details
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
HSA 3 Month Certificate
$0
2.50%
▲ 0.44% above national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.44% above avg
Details
Standard (Min Balance: $100); Certificates (IRA, HSA)
San Luis Valley Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
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%
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%
3 Month Certificate
$0
2.25%
▲ 0.19% above national avg
▼
Rate2.23%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.19% above avg
Details
Delta County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
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%
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%
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
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
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%
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%
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%
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%
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
Castle Rock 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
120 S Wilcox St, Castle Rock, CO 80104
6 Month CD
$0
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.14% 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.
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4611 Milestone Ln, Castle Rock, CO 80104
6 Month Business CDs
$0
3.85%
▲ 1.09% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.09% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4611 Milestone Ln, Castle Rock, CO 80104
6 Month IRA CD
$500
3.85%
▲ 1.09% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.09% above avg
Details
IRA & Coverdell CDs - $500 Minimum Account Balance
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4611 Milestone Ln, Castle Rock, CO 80104
6 Month IRA Jumbo CD
$0
3.85%
▲ 1.09% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.09% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4611 Milestone Ln, Castle Rock, CO 80104
6 Month Jumbo CD
$0
3.85%
▲ 1.09% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.09% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4611 Milestone Ln, Castle Rock, CO 80104
6 Month Traditional CD
$0
3.85%
▲ 1.09% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.09% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4611 Milestone Ln, Castle Rock, CO 80104
6 Months CD
$0
3.85%
▲ 1.09% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.09% above avg
Details
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
6355 Promenade Pkwy, Castle Rock, CO 80108
6 Month Share and IRA Certificates
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.74% above avg
Details
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3851 Sol Danza Dr, Castle Rock, CO 80109
180 Day Certificate
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.34% above avg
Details
Balance: $1,000 or more
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3851 Sol Danza Dr, Castle Rock, CO 80109
Business 180 Day Certificate
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.34% above avg
Details
Balance: $1,000 or more
Westerra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
4625 Trail Boss Dr, Castle Rock, CO 80104 2803
6 Month Certificate of Deposit (CD)
$0
1.70%
▼ 1.06% below national avg
▼
Rate1.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 1.06% below avg
Details
Westerra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
4625 Trail Boss Dr, Castle Rock, CO 80104 2803
Business Certificates of Deposit (CDs) - 6 Month
$500
1.70%
▼ 1.06% below national avg
▼
Rate1.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 1.06% below avg
Details
Westerra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
4625 Trail Boss Dr, Castle Rock, CO 80104 2803
Individual Retirement Account (IRA) CDs - 6 Month
$0
1.70%
▼ 1.06% below national avg
▼
Rate1.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 1.06% below avg
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
747 Genoa Way, Castle Rock, CO 80109
6 month Standard Interest Rate
$2,500
0.06%
▼ 2.70% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 2.70% below avg
Details
Early withdrawal penalties may apply.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
747 Genoa Way, Castle Rock, CO 80109
6 month Standard Fixed Rate
$2,500
0.05%
▼ 2.71% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 2.71% below avg
Details
Relationship APY 0.06%. Early withdrawal penalties may apply.
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
6 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
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
6 Month CD
$0
4.15%
▲ 1.39% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.39% above avg
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
6 Month Certificate
$0
4.06%
▲ 1.30% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.30% above avg
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Jumbo Certificates of Deposit & Greater - 6 Month
$0
4.06%
▲ 1.30% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.30% above avg
Details
$100,000
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month CD
$1,000
4.04%
▲ 1.28% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.28% above avg
Details
UP to $99,999.99
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
6 Month Business Term Certificate Promo
$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
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
6 Month Share Certificates
$50,000
3.90%
▲ 1.14% above national avg
▼
Rate3.85%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.14% above avg
Details
Balance: $50,000+
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
6 Month Youth CD
$50,000
3.90%
▲ 1.14% above national avg
▼
Rate3.85%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.14% above avg
Details
Balance: $50,000+
Grand Junction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
6 Month CD
$0
3.85%
▲ 1.09% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.09% above avg
Details
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
6-Month Share Certificate
$500
3.85%
▲ 1.09% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.09% above avg
Details
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
Share Certificate - 6-Month
$500
3.85%
▲ 1.09% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.09% above avg
Details
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
6 Month Certificate
$0
3.85%
▲ 1.09% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.09% above avg
Details
REG only
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
6 Month Certificate of Deposit
$1,000
3.80%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.04% above avg
Details
Adams Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 10.34%
6-MONTH CD
$500
3.80%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.04% 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%
6 Month Certificate
$1,000
3.80%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.04% above avg
Details
NuVista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate
$50,000
3.80%
▲ 1.04% above national avg
▼
Rate3.74%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.04% above avg
Details
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
6 Month Share Certificates
$500
3.80%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.04% above avg
Details
Balance: $500 - $49,999.99
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
6 Month Youth CD
$50
3.80%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.04% above avg
Details
Balance: $50 - $49,999.99
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
6 Month CD
$0
3.80%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.04% above avg
Details
Balance: $100,000 +
North Valley Bank Thornton, CO
Institution Rating:
A5.0 ★Texas Ratio: 13.05%
6 Month CD
$1,000
3.78%
▲ 1.02% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.02% above avg
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
Share & IRA Certificates - 6 Month Term
$0
3.77%
▲ 1.01% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.01% above avg
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
6 Month Jumbo IRA CD
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details
Sunwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
6 Month Certificate
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details
Balance: $500-$24,999.99
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
6-Month Certificate
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
6-Month IRA Certificate
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
6 Month CD
$0
3.70%
▲ 0.94% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.94% above avg
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
6 Month JUMBO certificates
$0
3.70%
▲ 0.94% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.94% above avg
Details
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
6 Month CD
$0
3.70%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.94% above avg
Details
Balance: $500-$99,999.99
First FarmBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
6 Month Certificate of Deposit
$1,000
3.65%
▲ 0.89% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.89% above avg
Details
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
6 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
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
6 Month Certificate
$0
3.65%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.89% above avg
Details
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
IRA 6 Month Certificate
$0
3.65%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.89% above avg
Details
Foothills Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
6 Month Certificate
$0
3.65%
▲ 0.89% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.89% above avg
Details
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
6 Month Share Certificates
$0
3.65%
▲ 0.89% above national avg
▼
Rate3.58%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.89% above avg
Details
$50,000+
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
6 Month Share Certificates to $24,999.99
$0
3.65%
▲ 0.89% above national avg
▼
Rate3.58%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.89% above avg
Details
$10,000
Castle Rock 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
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.
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4611 Milestone Ln, Castle Rock, CO 80104
12 Month Business CDs
$0
3.90%
▲ 0.95% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.95% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4611 Milestone Ln, Castle Rock, CO 80104
12 Month HSA CD
$0
3.90%
▲ 0.95% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.95% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4611 Milestone Ln, Castle Rock, CO 80104
12 Month IRA CD
$500
3.90%
▲ 0.95% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.95% above avg
Details
IRA & Coverdell CDs - $500 Minimum Account Balance
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4611 Milestone Ln, Castle Rock, CO 80104
12 Month IRA Jumbo CD
$0
3.90%
▲ 0.95% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.95% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4611 Milestone Ln, Castle Rock, CO 80104
12 Month Jumbo CD
$0
3.90%
▲ 0.95% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.95% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4611 Milestone Ln, Castle Rock, CO 80104
12 Month Traditional CD
$0
3.90%
▲ 0.95% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.95% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4611 Milestone Ln, Castle Rock, CO 80104
12 Month Youth CD
$0
3.90%
▲ 0.95% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.95% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4611 Milestone Ln, Castle Rock, CO 80104
12 Month Youth Certificate of Deposit
$0
3.90%
▲ 0.95% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.95% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4611 Milestone Ln, Castle Rock, CO 80104
12 Months CD
$0
3.90%
▲ 0.95% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.95% above avg
Details
Ent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
190 S Wilcox St Ste G, Castle Rock, CO 80104
12 Month Certificate
$0
3.85%
▲ 0.90% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.90% above avg
Details
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
6355 Promenade Pkwy, Castle Rock, CO 80108
12 Month Share and IRA Certificates
$0
3.50%
▲ 0.55% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.55% above avg
Details
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3851 Sol Danza Dr, Castle Rock, CO 80109
12 Month Certificate
$0
3.30%
▲ 0.35% above national avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.35% above avg
Details
Balance: $1,000 or more
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3851 Sol Danza Dr, Castle Rock, CO 80109
Business 12 Month Certificate
$0
3.30%
▲ 0.35% above national avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.35% above avg
Details
Balance: $1,000 or more
Westerra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
4625 Trail Boss Dr, Castle Rock, CO 80104 2803
12 Month Certificate of Deposit (CD)
$0
1.60%
▼ 1.35% below national avg
▼
Rate1.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 1.35% below avg
Details
Westerra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
4625 Trail Boss Dr, Castle Rock, CO 80104 2803
12 Month Jumbo Certificates of Deposit (CDs)
$0
1.60%
▼ 1.35% below national avg
▼
Rate1.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 1.35% below avg
Details
Westerra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
4625 Trail Boss Dr, Castle Rock, CO 80104 2803
Business Certificates of Deposit (CDs) - 12 Month
$500
1.60%
▼ 1.35% below national avg
▼
Rate1.59%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 1.35% below avg
Details
Westerra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
4625 Trail Boss Dr, Castle Rock, CO 80104 2803
Individual Retirement Account (IRA) CDs - 12 Month
$0
1.60%
▼ 1.35% below national avg
▼
Rate1.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 1.35% below avg
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
747 Genoa Way, Castle Rock, CO 80109
1 year Standard Interest Rate
$2,500
1.51%
▼ 1.44% below national avg
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 1.44% below avg
Details
Early withdrawal penalties may apply.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
747 Genoa Way, Castle Rock, CO 80109
1 year Standard Fixed Rate
$2,500
1.50%
▼ 1.45% below national avg
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 1.45% below avg
Details
Relationship APY 1.51%. Early withdrawal penalties may apply.
NuVista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
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%
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%
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%
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%
12 Month Certificate of Deposit
$500
4.41%
▲ 1.46% above national avg
▼
Rate4.32%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 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%
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%
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%
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%
12-Month CD
$10,000
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details
Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
12-Month Certificate Special
$10,000
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 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
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
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%
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%
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%
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
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
1 Year Share Certificates
$50,000
3.86%
▲ 0.91% above national avg
▼
Rate3.80%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.91% above avg
Details
Balance: $50,000+
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
1 Year Youth CD
$50,000
3.86%
▲ 0.91% above national avg
▼
Rate3.80%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 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%
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%
12 Month Certificate
$0
3.85%
▲ 0.90% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.90% above avg
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
12 Month CD
$0
3.85%
▲ 0.90% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.90% above avg
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
12 Month JUMBO certificates
$0
3.85%
▲ 0.90% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.90% above avg
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
12 Month Jumbo IRA CD
$0
3.85%
▲ 0.90% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.90% above avg
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
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
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
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%
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%
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%
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%
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%
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%
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%
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
Castle Rock 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
120 S Wilcox St, Castle Rock, CO 80104
18 Month CD
$0
3.60%
▲ 0.79% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 0.79% 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.
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
6355 Promenade Pkwy, Castle Rock, CO 80108
18 Month Share and IRA Certificates
$0
3.50%
▲ 0.69% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.69% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4611 Milestone Ln, Castle Rock, CO 80104
18 Month Smart Move CD
$2,500
2.40%
▼ 0.41% below national avg
▼
Rate2.37%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▼ 0.41% below avg
Details
The District Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
18 Month Term Certificate
$0
5.00%
▲ 2.19% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 2.19% above avg
Details
Penalty for early withdrawal: 180 days dividends
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
18 Month Certificate of Deposit
$50,000
4.30%
▲ 1.49% above national avg
▼
Rate4.30%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 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
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
18 Month CD
$0
4.20%
▲ 1.39% above national avg
▼
Rate4.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.39% above avg
Details
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
18 Month Certificate of Deposit
$1,000
3.90%
▲ 1.09% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.09% above avg
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
18 Month Certificate
$0
3.80%
▲ 0.99% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 0.99% above avg
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Jumbo Certificates of Deposit & Greater - 18 Month
$0
3.80%
▲ 0.99% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 0.99% above avg
Details
$100,000
North Valley Bank Thornton, CO
Institution Rating:
A5.0 ★Texas Ratio: 13.05%
18 Month Fixed Rate CD
$100,000
3.80%
▲ 0.99% above national avg
▼
Rate3.75%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 0.99% above avg
Details
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
18 Month CD
$0
3.65%
▲ 0.84% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.84% above avg
Details
Balance: $100,000 +
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
18 Month (Variable Rate) IRA Certificate
$500
3.56%
▲ 0.75% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 0.75% above avg
Details
Variable Rate
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
18 Month Certificate
$500
3.56%
▲ 0.75% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 0.75% above avg
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
18 Month Certificate
$1,000
3.55%
▲ 0.74% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 0.74% above avg
Details
North Valley Bank Thornton, CO
Institution Rating:
A5.0 ★Texas Ratio: 13.05%
18 Month Fixed Rate CD
$100
3.55%
▲ 0.74% above national avg
▼
Rate3.50%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 0.74% above avg
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
Super Jumbo Certificates 18 Month
$0
3.55%
▲ 0.74% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.74% above avg
Details
$50,000
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
18 Month CD
$0
3.55%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.74% above avg
Details
Balance: $500-$99,999.99
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
18 Month CD
$10,000
3.50%
▲ 0.69% above national avg
▼
Rate3.45%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.81%▲ 0.69% above avg
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
Jumbo Certificates 18 Month
$0
3.50%
▲ 0.69% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.69% above avg
Details
$10,000
Foothills Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
18 Month Certificate
$0
3.50%
▲ 0.69% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.69% above avg
Details
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
18 Month Certificate
$500
3.50%
▲ 0.69% above national avg
▼
Rate3.46%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.69% above avg
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
18 Month Term Certificates
$0
3.45%
▲ 0.64% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.64% above avg
Details
$500 Minimum
Sunwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
18 Month Certificate
$0
3.45%
▲ 0.64% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.64% above avg
Details
Balance: $500-$24,999.99
Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
Certificates (CD) - 18 Months
$0
3.40%
▲ 0.59% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.59% above avg
Details
Penalty: 180 days interest
Northern Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
18 Month IRA CERT
$1,000
3.35%
▲ 0.54% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.54% above avg
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
18 Month Certificate
$0
3.30%
▲ 0.49% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.49% 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%
IRA 18 MONTH CD
$100
3.25%
▲ 0.44% above national avg
▼
Rate3.20%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 0.44% above avg
Details
Penalty: 6 MO
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
18 Month Certificate
$0
3.25%
▲ 0.44% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.44% above avg
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
Business 18 Month Certificate
$0
3.25%
▲ 0.44% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.44% above avg
Details
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
18 Month IRA Share Certificates
$0
3.25%
▲ 0.44% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.44% above avg
Details
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
18 Month Certificate
$500
3.24%
▲ 0.43% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.43% above avg
Details
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
18 Month IRA Certificate
$1,000
3.24%
▲ 0.43% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.43% above avg
Details
First FarmBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
18 Month Certificate of Deposit
$1,000
3.20%
▲ 0.39% above national avg
▼
Rate3.16%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 0.39% above avg
Details
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
18 Month Business Certificates
$500
3.20%
▲ 0.39% above national avg
▼
Rate3.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 0.39% above avg
Details
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
18 Month Share Certificate
$500
3.20%
▲ 0.39% above national avg
▼
Rate3.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 0.39% above avg
Details
Integrity Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
18 Month Certificate of Deposit
$0
3.19%
▲ 0.38% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 0.38% above avg
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
18 Month Certificate
$0
3.15%
▲ 0.34% above national avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.34% above avg
Details
Account Balance $100,000
Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
Certificates (CD) - 18 Months
$0
3.15%
▲ 0.34% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.34% above avg
Details
Penalty: 180 days interest
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
18 Month Certificate of Deposit
$500
3.10%
▲ 0.29% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 0.29% above avg
Details
Peoples Credit Union Springfield, CO
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
18 Month Certificate of Deposit
$100
3.07%
▲ 0.26% above national avg
▼
Rate3.05%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.26% above avg
Details
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
18 Month Certificate
$0
3.05%
▲ 0.24% above national avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 0.24% above avg
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
18 Month Certificate
$0
3.05%
▲ 0.24% above national avg
▼
Rate3.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.24% above avg
Details
Account Balance $25,000
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
Traditional Certificate of Deposit (CD) - 18 Month
$0
2.95%
▲ 0.14% above national avg
▼
Rate2.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.14% above avg
Details
Balance: $10,000 and over
Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
Certificates (CD) - 18 Months
$0
2.90%
▲ 0.09% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.09% above avg
Details
Penalty: 180 days interest
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
Traditional Certificate of Deposit (CD) - 18 Month
$0
2.85%
▲ 0.04% above national avg
▼
Rate2.82%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.04% above avg
Details
Balance: $500 - $9,999.99
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
18 Month Certificate
$0
2.63%
▼ 0.18% below national avg
▼
Rate2.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▼ 0.18% below avg
Details
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
18 Month Certificate
$500
2.50%
▼ 0.31% below national avg
▼
Rate2.47%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▼ 0.31% below avg
Details
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
HSA 18 Month Certificate
$0
2.50%
▼ 0.31% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▼ 0.31% below avg
Details
Standard (Min Balance: $100); Certificates (IRA, HSA)
5Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
18 Month CD/IRA
$1,000
2.45%
▼ 0.36% below national avg
▼
Rate2.42%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▼ 0.36% below avg
Details
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
18 Month Certificate of Deposit
$500
2.35%
▼ 0.46% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▼ 0.46% below avg
Details
Castle Rock 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4611 Milestone Ln, Castle Rock, CO 80104
24 Month Business CDs
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.17% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4611 Milestone Ln, Castle Rock, CO 80104
24 Month HSA CD
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.17% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4611 Milestone Ln, Castle Rock, CO 80104
24 Month IRA CD
$500
4.00%
▲ 1.17% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.17% above avg
Details
IRA & Coverdell CDs - $500 Minimum Account Balance
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4611 Milestone Ln, Castle Rock, CO 80104
24 Month Traditional CD
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.17% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4611 Milestone Ln, Castle Rock, CO 80104
24 Months CD
$0
4.00%
▲ 1.17% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.17% above avg
Details
Ent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
190 S Wilcox St Ste G, Castle Rock, CO 80104
24 Month Standard CD
$500
3.90%
▲ 1.07% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.07% above avg
Details
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
6355 Promenade Pkwy, Castle Rock, CO 80108
24 Month Share and IRA Certificates
$0
3.50%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.67% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4611 Milestone Ln, Castle Rock, CO 80104
24 Month Smart Move CD
$2,500
3.40%
▲ 0.57% above national avg
▼
Rate3.35%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.57% above avg
Details
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3851 Sol Danza Dr, Castle Rock, CO 80109
24 Month Certificate
$0
3.35%
▲ 0.52% above national avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.52% above avg
Details
Balance: $1,000 or more
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3851 Sol Danza Dr, Castle Rock, CO 80109
Business 24 Month Certificate
$0
3.35%
▲ 0.52% above national avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.52% above avg
Details
Balance: $1,000 or more
Westerra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
4625 Trail Boss Dr, Castle Rock, CO 80104 2803
24 Month Certificate of Deposit (CD)
$0
1.55%
▼ 1.28% below national avg
▼
Rate1.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▼ 1.28% below avg
Details
Westerra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
4625 Trail Boss Dr, Castle Rock, CO 80104 2803
24 Month Jumbo Certificates of Deposit (CDs)
$0
1.55%
▼ 1.28% below national avg
▼
Rate1.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▼ 1.28% below avg
Details
Westerra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
4625 Trail Boss Dr, Castle Rock, CO 80104 2803
Business Certificates of Deposit (CDs) - 24 Month
$500
1.55%
▼ 1.28% below national avg
▼
Rate1.54%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▼ 1.28% below avg
Details
Westerra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
4625 Trail Boss Dr, Castle Rock, CO 80104 2803
Individual Retirement Account (IRA) CDs - 24 Month
$0
1.55%
▼ 1.28% below national avg
▼
Rate1.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▼ 1.28% below avg
Details
5Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
24 Month Variable IRA
$250
4.39%
▲ 1.56% above national avg
▼
Rate4.30%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 1.56% above avg
Details
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
24 Month Certificate of Deposit
$50,000
4.32%
▲ 1.49% above national avg
▼
Rate4.32%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 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
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
24 Month Term Certificates
$0
4.11%
▲ 1.28% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.28% above avg
Details
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
24 Month CD
$0
4.10%
▲ 1.27% above national avg
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.27% above avg
Details
Fellowship Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
24 Month Certificate of Deposit
$500
4.07%
▲ 1.24% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.24% above avg
Details
Certificate accounts have a 1% penalty for early withdrawal and have 10 days after the CD renews before a penalty.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
24 Month Bonus Certificates
$0
3.96%
▲ 1.13% above national avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.13% above avg
Details
Balance: 24 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
24 Month Bonus IRA Certificates
$0
3.96%
▲ 1.13% above national avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.13% above avg
Details
Balance: 24 Month
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
24 Month Certificate of Deposit
$1,000
3.95%
▲ 1.12% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.12% above avg
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
24 Month JUMBO certificates
$0
3.95%
▲ 1.12% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.12% above avg
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
24 Month Jumbo IRA CD
$0
3.95%
▲ 1.12% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.12% above avg
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
24 Month Term certificate
$0
3.85%
▲ 1.02% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.02% above avg
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
24 Month Traditional IRA Certificates
$0
3.85%
▲ 1.02% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.02% above avg
Details
traditional ira, roth ira and sep ira
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
24 Month Certificates
$0
3.80%
▲ 0.97% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.97% above avg
Details
Balance: 24 Month
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
2 Year Certificate
$0
3.70%
▲ 0.87% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 0.87% above avg
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Jumbo Certificates of Deposit & Greater - 2 Year
$0
3.70%
▲ 0.87% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 0.87% above avg
Details
$100,000
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
24 Month CD
$0
3.65%
▲ 0.82% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.82% above avg
Details
Balance: $100,000 +
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
Share & IRA Certificates - 24 Month Term- Jumbo
$0
3.61%
▲ 0.78% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.78% above avg
Details
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
24 Month Certificate
$100,000
3.60%
▲ 0.77% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.77% above avg
Details
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
2 Year Share Certificates
$50,000
3.60%
▲ 0.77% above national avg
▼
Rate3.55%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.77% above avg
Details
Balance: $50,000+
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
24 Month Certificate
$500
3.60%
▲ 0.77% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.77% above avg
Details
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
24 Month IRA Certificate
$1,000
3.60%
▲ 0.77% above national avg
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.77% above avg
Details
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2 Year Certificate
$500
3.57%
▲ 0.74% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.74% above avg
Details
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2 Years IRA Certificate
$500
3.57%
▲ 0.74% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.74% above avg
Details
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
24-Month Share Certificate
$500
3.55%
▲ 0.72% above national avg
▼
Rate3.49%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.72% above avg
Details
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
IRA Certificate - 2 Year
$1,000
3.55%
▲ 0.72% above national avg
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.72% above avg
Details
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
IRA Certificates (Traditional & Roth) - 2 Year
$1,000
3.55%
▲ 0.72% above national avg
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.72% above avg
Details
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
Share Certificate - 24-Month
$500
3.55%
▲ 0.72% above national avg
▼
Rate3.49%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.72% above avg
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
IRA 24 Month CD
$0
3.55%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.72% above avg
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
Super Jumbo Certificates 24 Month
$0
3.55%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.72% above avg
Details
$50,000
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
24 Month CD
$0
3.55%
▲ 0.72% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.72% above avg
Details
Balance: $500-$99,999.99
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
Share & IRA Certificates - 24 Month Term
$0
3.51%
▲ 0.68% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.68% above avg
Details
North Valley Bank Thornton, CO
Institution Rating:
A5.0 ★Texas Ratio: 13.05%
2 Year CD
$1,000
3.50%
▲ 0.67% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 0.67% above avg
Details
Columbine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
2 Year Jumbo IRA Share Certificates
$0
3.50%
▲ 0.67% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.67% above avg
Details
Columbine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
2 Year Jumbo Share Certificates
$0
3.50%
▲ 0.67% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.67% above avg
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
Jumbo Certificates 24 Month
$0
3.50%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.67% above avg
Details
$10,000
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
2 Year Share Certificates
$500
3.50%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.67% above avg
Details
Balance: $500 - $49,999.99
Castle Rock 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4611 Milestone Ln, Castle Rock, CO 80104
36 Month Business CDs
$0
4.05%
▲ 1.30% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.30% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4611 Milestone Ln, Castle Rock, CO 80104
36 Month HSA CD
$0
4.05%
▲ 1.30% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.30% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4611 Milestone Ln, Castle Rock, CO 80104
36 Month IRA CD
$500
4.05%
▲ 1.30% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.30% above avg
Details
IRA & Coverdell CDs - $500 Minimum Account Balance
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4611 Milestone Ln, Castle Rock, CO 80104
36 Month Traditional CD
$0
4.05%
▲ 1.30% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.30% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4611 Milestone Ln, Castle Rock, CO 80104
36 Months CD
$0
4.05%
▲ 1.30% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.30% above avg
Details
Ent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
190 S Wilcox St Ste G, Castle Rock, CO 80104
36 Month Flex Certificate
$0
3.75%
▲ 1.00% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.00% above avg
Details
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
6355 Promenade Pkwy, Castle Rock, CO 80108
36 Month Share and IRA Certificates
$0
3.50%
▲ 0.75% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.75% above avg
Details
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3851 Sol Danza Dr, Castle Rock, CO 80109
36 Month Certificate
$0
3.40%
▲ 0.65% above national avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 0.65% above avg
Details
Balance: $1,000 or more
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3851 Sol Danza Dr, Castle Rock, CO 80109
Business 36 Month Certificate
$0
3.40%
▲ 0.65% above national avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 0.65% above avg
Details
Balance: $1,000 or more
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4611 Milestone Ln, Castle Rock, CO 80104
36 Month Smart Move CD
$2,500
3.15%
▲ 0.40% above national avg
▼
Rate3.11%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.40% above avg
Details
Westerra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
4625 Trail Boss Dr, Castle Rock, CO 80104 2803
36 Month Certificate of Deposit (CD)
$0
1.55%
▼ 1.20% below national avg
▼
Rate1.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▼ 1.20% below avg
Details
Westerra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
4625 Trail Boss Dr, Castle Rock, CO 80104 2803
Business Certificates of Deposit (CDs) - 36 Month
$500
1.55%
▼ 1.20% below national avg
▼
Rate1.54%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▼ 1.20% below avg
Details
Westerra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
4625 Trail Boss Dr, Castle Rock, CO 80104 2803
Individual Retirement Account (IRA) CDs - 36 Month
$0
1.55%
▼ 1.20% below national avg
▼
Rate1.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▼ 1.20% below avg
Details
5Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
36 Month Variable IRA
$250
4.44%
▲ 1.69% above national avg
▼
Rate4.35%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.69% above avg
Details
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
36 Month Certificate of Deposit
$50,000
4.25%
▲ 1.50% above national avg
▼
Rate4.25%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.75%▲ 1.50% 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%
36 Month JUMBO certificates
$0
4.10%
▲ 1.35% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.35% above avg
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
36 Month Jumbo IRA CD
$0
4.10%
▲ 1.35% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.35% above avg
Details
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
3 Year Certificate
$500
4.09%
▲ 1.34% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.34% above avg
Details
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
36 Month CD
$0
4.05%
▲ 1.30% above national avg
▼
Rate3.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 1.30% above avg
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
36 Month Term certificate
$0
4.00%
▲ 1.25% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.25% above avg
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
36 Month Traditional IRA Certificates
$0
4.00%
▲ 1.25% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.25% above avg
Details
traditional ira, roth ira and sep ira
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
36 Month Bonus Certificates
$0
3.97%
▲ 1.22% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.22% above avg
Details
Balance: 36 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
36 Month Bonus IRA Certificates
$0
3.97%
▲ 1.22% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.22% above avg
Details
Balance: 36 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
36 Month Certificates
$0
3.81%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.06% above avg
Details
Balance: 36 Month
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
36 Month CD
$0
3.75%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.00% above avg
Details
Balance: $100,000 +
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
3 Year Certificate
$0
3.70%
▲ 0.95% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.75%▲ 0.95% above avg
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Jumbo Certificates of Deposit & Greater - 3 Year
$0
3.70%
▲ 0.95% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.75%▲ 0.95% above avg
Details
$100,000
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
36 Month Term Certificates
$0
3.65%
▲ 0.90% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 0.90% above avg
Details
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
36 Month CD
$0
3.65%
▲ 0.90% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.90% 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%
36 Month Certificate of Deposit
$0
3.65%
▲ 0.90% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.90% above avg
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
Certificates of Deposit (CD) - 36 Months
$0
3.65%
▲ 0.90% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.90% above avg
Details
Compounded/Credited: Monthly; Balance: $100.00+ Dividend Rate: 3.3481; $100,000.00+ Dividend Rate: 3.5903; $100,000.00 Annual Percentage Yield: 3.65
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
36 Month Certificate
$500
3.60%
▲ 0.85% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.85% above avg
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
IRA 36 Month CD
$0
3.55%
▲ 0.80% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.80% above avg
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
Super Jumbo Certificates 36 Month
$0
3.55%
▲ 0.80% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.80% above avg
Details
$50,000
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
36 Month CD
$10,000
3.50%
▲ 0.75% above national avg
▼
Rate3.45%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.75%▲ 0.75% above avg
Details
Columbine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3 Year Jumbo IRA Share Certificates
$0
3.50%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.75% above avg
Details
Columbine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3 Year Jumbo Share Certificates
$0
3.50%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.75% above avg
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
Jumbo Certificates 36 Month
$0
3.50%
▲ 0.75% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.75% above avg
Details
$10,000
Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
Certificates (CD) - 36 Months
$0
3.50%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.75% above avg
Details
Penalty: 180 days interest
Equitable Savings and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
36 MONTH IRA
$2,000
3.46%
▲ 0.71% above national avg
▼
Rate3.40%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.71% above avg
Details
Penalty: 12 MO
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
36-Month Jumbo Share Certificate
$10,000
3.45%
▲ 0.70% above national avg
▼
Rate3.39%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.70% above avg
Details
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
36-Month Share Certificate
$500
3.45%
▲ 0.70% above national avg
▼
Rate3.39%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.70% above avg
Details
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
IRA Certificate - 3 Year
$1,000
3.45%
▲ 0.70% above national avg
▼
Rate3.39%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.70% above avg
Details
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
IRA Certificates (Traditional & Roth) - 3 Year
$1,000
3.45%
▲ 0.70% above national avg
▼
Rate3.39%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.70% above avg
Details
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
Share Certificate - 36-Month
$500
3.45%
▲ 0.70% above national avg
▼
Rate3.39%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.70% above avg
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
36 Month Term Certificates
$0
3.45%
▲ 0.70% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.70% above avg
Details
$500 Minimum
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
3 Year Certificate
$1,000
3.44%
▲ 0.69% above national avg
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.75%▲ 0.69% above avg
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
3 Year Certificate
$0
3.40%
▲ 0.65% above national avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.65% above avg
Details
Account Balance $100,000
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
36 Month Certificate
$100,000
3.40%
▲ 0.65% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.65% above avg
Details
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
36 Month Certificate
$0
3.40%
▲ 0.65% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.65% above avg
Details
Castle Rock 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
6355 Promenade Pkwy, Castle Rock, CO 80108
48 Month Share and IRA Certificates
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.74% above avg
Details
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3851 Sol Danza Dr, Castle Rock, CO 80109
48 Month Certificate
$0
3.45%
▲ 0.69% above national avg
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.69% above avg
Details
Balance: $1,000 or more
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3851 Sol Danza Dr, Castle Rock, CO 80109
Business 48 Month Certificate
$0
3.45%
▲ 0.69% above national avg
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.69% above avg
Details
Balance: $1,000 or more
Westerra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
4625 Trail Boss Dr, Castle Rock, CO 80104 2803
48 Month Certificate of Deposit (CD)
$0
1.60%
▼ 1.16% below national avg
▼
Rate1.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 1.16% below avg
Details
Westerra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
4625 Trail Boss Dr, Castle Rock, CO 80104 2803
Business Certificates of Deposit (CDs) - 48 Month
$500
1.60%
▼ 1.16% below national avg
▼
Rate1.59%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 1.16% below avg
Details
Westerra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
4625 Trail Boss Dr, Castle Rock, CO 80104 2803
Individual Retirement Account (IRA) CDs - 48 Month
$0
1.60%
▼ 1.16% below national avg
▼
Rate1.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 1.16% below avg
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
48 Month JUMBO certificates
$0
4.20%
▲ 1.44% above national avg
▼
Rate4.12%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.44% above avg
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
48 Month Jumbo IRA CD
$0
4.20%
▲ 1.44% above national avg
▼
Rate4.12%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.44% above avg
Details
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
48 Month Certificate of Deposit
$50,000
4.18%
▲ 1.42% above national avg
▼
Rate4.18%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.42% 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%
48 Month Term certificate
$0
4.10%
▲ 1.34% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.34% above avg
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
48 Month Traditional IRA Certificates
$0
4.10%
▲ 1.34% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.34% above avg
Details
traditional ira, roth ira and sep ira
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
4 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
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
48 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: 48 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
48 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: 48 Month
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
48 Month CD
$0
3.85%
▲ 1.09% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.09% above avg
Details
Balance: $100,000 +
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
48 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: 48 Month
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
48 Month CD
$0
3.75%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details
Balance: $500-$99,999.99
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
4 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%
Jumbo Certificates of Deposit & Greater - 4 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
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
48 Month Certificate of Deposit
$0
3.70%
▲ 0.94% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.94% above avg
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
Certificates of Deposit (CD) - 48 Months
$0
3.70%
▲ 0.94% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.94% above avg
Details
Compounded/Credited: Monthly; Balance: $100.00+ Dividend Rate: 3.3966; $100,000.00+ Dividend Rate: 3.6387; $100,000.00 Annual Percentage Yield: 3.70
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
48 Month Baby-Jumbo Certificate
$50,000
3.60%
▲ 0.84% above national avg
▼
Rate3.55%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.84% above avg
Details
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
48 Month Certificate
$500
3.60%
▲ 0.84% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.84% above avg
Details
Equitable Savings and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
48 MONTH IRA
$2,000
3.56%
▲ 0.80% above national avg
▼
Rate3.50%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.80% above avg
Details
Penalty: 3 MO+
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
IRA 48 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%
Super Jumbo Certificates 48 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
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
48 Month Term Certificates
$0
3.51%
▲ 0.75% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.75% above avg
Details
Columbine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
4 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%
4 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%
Jumbo Certificates 48 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
Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
Certificates (CD) - 48 Months
$0
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.74% above avg
Details
Penalty: 180 days interest
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
48 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
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
48 Month Certificate
$0
3.45%
▲ 0.69% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.69% above avg
Details
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
IRA 48 Month Certificate
$0
3.45%
▲ 0.69% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.69% above avg
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
48 Month Certificate of Deposit
$0
3.45%
▲ 0.69% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.69% above avg
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
Certificates of Deposit (CD) - 48 Months
$0
3.45%
▲ 0.69% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.69% above avg
Details
Compounded/Credited: Monthly; Balance: $100.00+ Dividend Rate: 3.3966; $100,000.00+ Dividend Rate: 3.6387; $100,000.00 Annual Percentage Yield: 3.70
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
4 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
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
4 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%
48 Month Certificate
$100,000
3.40%
▲ 0.64% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.64% above avg
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
Share & IRA Certificates - 48 Month Term
$0
3.35%
▲ 0.59% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.59% above avg
Details
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
48 Month Business Certificates
$500
3.35%
▲ 0.59% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.59% above avg
Details
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
48 Month Share Certificate
$500
3.35%
▲ 0.59% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.59% above avg
Details
Sunwest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
48 Month Certificate
$0
3.35%
▲ 0.59% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.59% above avg
Details
Balance: $500-$24,999.99
Columbine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
4 Year Regular IRA Share Certificates
$0
3.30%
▲ 0.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.54% above avg
Details
Balance: $1,000.00-$99,999.99
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
4 Year Certificate
$0
3.30%
▲ 0.54% above national avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.54% above avg
Details
Account Balance $25,000
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
48 Month Certificate
$0
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.54% 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%
4 Year Share Certificates
$50,000
3.30%
▲ 0.54% above national avg
▼
Rate3.26%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.54% above avg
Details
Balance: $50,000+
Foothills Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
48 Month Certificate
$0
3.30%
▲ 0.54% above national avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.54% above avg
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
48-Month Certificate
$0
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.54% above avg
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
48-Month IRA Certificate
$0
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.54% above avg
Details
Castle Rock 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Ent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
190 S Wilcox St Ste G, Castle Rock, CO 80104
60 Month Certificate
$0
4.15%
▲ 1.32% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.32% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4611 Milestone Ln, Castle Rock, CO 80104
60 Month Business CDs
$0
4.10%
▲ 1.27% above national avg
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.27% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4611 Milestone Ln, Castle Rock, CO 80104
60 Month HSA CD
$0
4.10%
▲ 1.27% above national avg
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.27% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4611 Milestone Ln, Castle Rock, CO 80104
60 Month IRA CD
$500
4.10%
▲ 1.27% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.27% above avg
Details
IRA & Coverdell CDs - $500 Minimum Account Balance
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4611 Milestone Ln, Castle Rock, CO 80104
60 Month Traditional CD
$0
4.10%
▲ 1.27% above national avg
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.27% above avg
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
4611 Milestone Ln, Castle Rock, CO 80104
60 Months CD
$0
4.10%
▲ 1.27% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.27% above avg
Details
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3851 Sol Danza Dr, Castle Rock, CO 80109
60 Month Certificate
$0
3.51%
▲ 0.68% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.68% above avg
Details
Balance: $1,000 or more
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3851 Sol Danza Dr, Castle Rock, CO 80109
Business 60 Month Certificate
$0
3.51%
▲ 0.68% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.68% above avg
Details
Balance: $1,000 or more
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
6355 Promenade Pkwy, Castle Rock, CO 80108
60 Month Share and IRA Certificates
$0
3.50%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.67% above avg
Details
Air Academy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
4989 Factory Shops Blvd, Castle Rock, CO 80108
54 - 60 Month Certificates
$0
3.25%
▲ 0.42% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.42% above avg
Details
Air Academy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
4989 Factory Shops Blvd, Castle Rock, CO 80108
54 - 60 Month IRA Certificates
$0
3.25%
▲ 0.42% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.42% above avg
Details
Westerra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
4625 Trail Boss Dr, Castle Rock, CO 80104 2803
60 Month Certificate of Deposit (CD)
$0
1.65%
▼ 1.18% below national avg
▼
Rate1.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▼ 1.18% below avg
Details
Westerra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
4625 Trail Boss Dr, Castle Rock, CO 80104 2803
60 Month Jumbo Certificates of Deposit (CDs)
$0
1.65%
▼ 1.18% below national avg
▼
Rate1.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▼ 1.18% below avg
Details
Westerra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
4625 Trail Boss Dr, Castle Rock, CO 80104 2803
Business Certificates of Deposit (CDs) - 60 Month
$500
1.65%
▼ 1.18% below national avg
▼
Rate1.64%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▼ 1.18% below avg
Details
Westerra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
4625 Trail Boss Dr, Castle Rock, CO 80104 2803
Individual Retirement Account (IRA) CDs - 60 Month
$0
1.65%
▼ 1.18% below national avg
▼
Rate1.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▼ 1.18% below avg
Details
5Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
60 Month Variable IRA
$250
4.57%
▲ 1.74% above national avg
▼
Rate4.47%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 1.74% above avg
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
60 Month JUMBO certificates
$0
4.35%
▲ 1.52% above national avg
▼
Rate4.27%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.52% above avg
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
60 Month Jumbo IRA CD
$0
4.35%
▲ 1.52% above national avg
▼
Rate4.27%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.52% above avg
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
60 Month Term certificate
$0
4.25%
▲ 1.42% above national avg
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.42% above avg
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
60 Month Traditional IRA Certificates
$0
4.25%
▲ 1.42% above national avg
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.42% above avg
Details
traditional ira, roth ira and sep ira
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
60 Month Certificate of Deposit
$50,000
4.17%
▲ 1.34% above national avg
▼
Rate4.17%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 1.34% 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
Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
Certificates (CD) - 60 Months
$0
4.10%
▲ 1.27% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.27% above avg
Details
Penalty: 180 days interest
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
5 Year Certificate
$500
4.09%
▲ 1.26% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 1.26% above avg
Details
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
5 Years IRA Certificate
$500
4.09%
▲ 1.26% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 1.26% above avg
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
60 Month Bonus Certificates
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.17% above avg
Details
Balance: 60 Month
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
60 Month Bonus IRA Certificates
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.17% above avg
Details
Balance: 60 Month
Weld Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
Regular and IRA Certificates of Deposit - 60 Month Term
$500
4.00%
▲ 1.17% above national avg
▼
Rate3.92%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.17% above avg
Details
Maximum total CD Deposit: $500,000 per person.
Weld Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
Youth Certificates of Deposit - 60 Month Term
$100
4.00%
▲ 1.17% above national avg
▼
Rate3.92%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.17% above avg
Details
Maximum total CD Deposit: $500,000 per person.
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
60 Month CD
$0
3.95%
▲ 1.12% above national avg
▼
Rate3.87%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.12% above avg
Details
Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
Certificates (CD) - 60 Months
$0
3.85%
▲ 1.02% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.02% above avg
Details
Penalty: 180 days interest
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
60 Month CD
$0
3.85%
▲ 1.02% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.02% above avg
Details
Balance: $100,000 +
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
60 Month Certificates
$0
3.84%
▲ 1.01% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.01% above avg
Details
Balance: 60 Month
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
60 Month CD
$0
3.75%
▲ 0.92% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.92% above avg
Details
Balance: $500-$99,999.99
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5 Year Certificate
$0
3.70%
▲ 0.87% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 0.87% above avg
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Jumbo Certificates of Deposit & Greater - 5 Year
$0
3.70%
▲ 0.87% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 0.87% above avg
Details
$100,000
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
60 Month Certificate of Deposit
$0
3.70%
▲ 0.87% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.87% above avg
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
Certificates of Deposit (CD) - 60 Months
$0
3.70%
▲ 0.87% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.87% above avg
Details
Compounded/Credited: Monthly; Balance: $100.00+ Dividend Rate: 3.3966; $100,000.00+ Dividend Rate: 3.6387; $100,000.00 Annual Percentage Yield: 3.70
Equitable Savings and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
60 MONTH IRA
$2,000
3.67%
▲ 0.84% above national avg
▼
Rate3.60%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.84% above avg
Details
Penalty: 3 MO+
Fidelis Catholic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
60 Month Share Certificate
$0
3.65%
▲ 0.82% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.82% above avg
Details
Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
Certificates (CD) - 60 Months
$0
3.60%
▲ 0.77% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.77% above avg
Details
Penalty: 180 days interest
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
60 Month Baby-Jumbo Certificate
$50,000
3.60%
▲ 0.77% above national avg
▼
Rate3.55%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.77% above avg
Details
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
60 Month Certificate
$500
3.60%
▲ 0.77% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.77% above avg
Details
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
60 Month Term Certificates
$0
3.56%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.73% above avg
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
IRA 60 Month CD
$0
3.55%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.72% above avg
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
Super Jumbo Certificates 60 Month
$0
3.55%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.72% above avg
Details
$50,000
Columbine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
5 Year Jumbo IRA Share Certificates
$0
3.50%
▲ 0.67% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.67% above avg
Details
Columbine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
5 Year Jumbo Share Certificates
$0
3.50%
▲ 0.67% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.67% above avg
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
Jumbo Certificates 60 Month
$0
3.50%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.67% above avg
Details
$10,000
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
60 Month Certificate
$0
3.50%
▲ 0.67% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.67% above avg
Details
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
IRA 60 Month Certificate
$0
3.50%
▲ 0.67% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.67% above avg
Details
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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.
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Castle Rock, CO CD Rate Trends
Compare local Castle Rock, CO 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
2.945%
▲ 0.004 vs 7 days ago
Colorado 12-month CD rates rose 0.004 points over the past 7 days to 2.945% APY.
6-Month CD CO Avg
2.760%
Unchanged vs 7 days ago
Colorado 6-month CD rates currently average 2.760% APY based on data from institutions in our monitoring network.
As of Sep 23, 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
2.945%
6-Month Forecast
2.945%
Range: 2.75% – 3.10%
12-Month Forecast
3.195%
Range: 3.00% – 3.35%
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What Your Savings Earn at CO CD Rates Today
Annual interest earnings at today’s Colorado average APYs. State average used where available; national average as fallback.
| CD Term | CO Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.055% | $102.77 | $205.54 | $513.85 | $1,027.70 |
| 6-Month CD | 2.760% | $137.99 | $275.97 | $689.93 | $1,379.85 |
| 12-Month CD | 2.945% | $147.27 | $294.54 | $736.35 | $1,472.70 |
| 18-Month CD | 2.813% | $140.67 | $281.33 | $703.32 | $1,406.65 |
| 24-Month CD | 2.833% | $141.64 | $283.27 | $708.18 | $1,416.35 |
| 36-Month CD | 2.754% | $137.68 | $275.36 | $688.40 | $1,376.80 |
| 48-Month CD | 2.759% | $137.97 | $275.93 | $689.82 | $1,379.65 |
| 60-Month CD | 2.834% | $141.70 | $283.39 | $708.48 | $1,416.95 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 22, 2026. | |||||
Sample CD Ladder for Castle Rock, 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 | 2.055% | $102.77 |
| 2 | 6-Month CD | $5,000 | 2.760% | $137.99 |
| 3 | 12-Month CD | $5,000 | 2.945% | $147.27 |
| 4 | 24-Month CD | $5,000 | 2.833% | $141.64 |
| 5 | 36-Month CD | $5,000 | 2.754% | $137.68 |
| Total ($25,000 invested) | $25,000 | 2.669% blended | $667.35/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.
817
CD Rates
Tracked in Castle Rock, Colorado
Tracked in Castle Rock, Colorado
32 Banks
45 Credit Unions
About Our Castle Rock, Colorado CD Rate Database
MonitorBankRates tracks 817 CD rates from 32 banks and 45 credit unions with locations in Castle Rock, 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: Ent Credit Union offers a CD at 4.15% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Castle Rock, Colorado.
How to Find the Best CD Rates in Castle Rock, Colorado
What to compare when shopping for a CD in Castle Rock, Colorado
To find the best APYs in Castle Rock, Colorado, start with credit unions and online-only banks: Castle Rock, Colorado has 45 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 Castle Rock, 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 Castle Rock, Colorado: 77 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Castle Rock, 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 Castle Rock, Colorado money market rates
Castle Rock, Colorado Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
11.4%
National avg: 17.3%
Median Individual Earnings
$64,394
National avg: $47,340
Poverty Rate
3.8%
National avg: 11.1%
Unemployment Rate
4.3%
National avg: 4.8%
CD Earnings on 10% of Salary
$190/yr
At CO 12-mo avg 2.945% APY
11.4% of residents are 65 or older, below the national average of 17.3%. At today’s CO 12-month CD average of 2.945%, saving 10% of the local median salary ($6,439/year) and putting it in a CD would earn an additional $190 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 Castle Rock, 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 Castle Rock, 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 Castle Rock, 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 Castle Rock, Colorado as everywhere in the U.S.
Choosing a CD Term in Castle Rock, 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 Castle Rock, Colorado savers easier access to their funds. For example, FirsTier Bank is offering its 6 Month CD at 3.90% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Ent Credit Union is offering its 60 Month Certificate at 4.15% 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 Castle Rock, 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 Castle Rock, 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 Castle Rock, 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 Castle Rock, 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 Castle Rock, Colorado
Most CDs carry a fixed rate that is locked for the entire term, protecting a Castle Rock, 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 Castle Rock, Colorado
Are CD rates in Castle Rock, Colorado FDIC insured?
Yes, most established banks in Castle Rock, 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 Castle Rock, 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 Castle Rock, 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 Castle Rock, 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 Castle Rock, Colorado?
Here are recent top rates found for this area:
- Ent Credit Union: 4.15% APY (60 Month Certificate)
- Bellco Credit Union: 4.10% APY (60 Month Business CDs)
- FirsTier Bank: 3.95% APY (12 Month CD)
- ANB Bank: 3.51% APY (60 Month Certificate)
- Premier Members Credit Union: 3.50% APY (12 Month Share and IRA Certificates)
- Air Academy Federal Credit Union: 3.25% APY (54 - 60 Month Certificates)
- Westerra Credit Union: 1.85% APY (3 Month Certificate of Deposit (CD))
- Wells Fargo: 1.51% APY (1 year Standard Interest Rate)
- 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)
Rates reflect recent verified offers available in Castle Rock, Colorado. Last Updated: September 22, 2026
Castle Rock, 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 Castle Rock, 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 Castle Rock, Colorado
Castle Rock, Colorado CD Calculator
At today’s CO top rate of 4.15% APY, a $10,000 deposit earns $415 in the first year. Enter your amount to see your exact return.
Castle Rock, Colorado CD LadderCO CD rates currently range from 2.055% (3-month) to 2.754% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Castle Rock, Colorado CD at 4.15% 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 2.945% 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 Castle Rock, 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 Castle Rock, 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 Castle Rock, 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 22, 2026
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