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CD Rate Trends

Denver, Colorado Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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

Denver, Colorado CD rates range from 0.01% to 5.12% APY, verified by MonitorBankRates as of October 13, 2026. Current Denver, Colorado CD rates include Austin Capital BankAustin Capital Bank4045 Pecos St, Denver, CO 80211A+5.0 ★Texas Ratio: 2.96%Real return: +1.78%APY minus CPI (February 2026) offering 3 Month CD at 4.58% APY, Bankers Bank of the WestBankers Bank of the West1099 18th St, Denver, CO 80202A5.0 ★Texas Ratio: 6.05%Real return: +1.75%APY minus CPI (February 2026) offering 24 Month Certificate at 4.55% APY, Academy BankAcademy Bank7800 Smith Rd, Denver, CO 80207A+5.0 ★Texas Ratio: 5.08%Real return: +1.60%APY minus CPI (February 2026) offering 18-Month Certificate of Deposit at 4.40% APY, United Fidelity BankUnited Fidelity Bank2480 W Alameda Ave, Denver, CO 80223A+5.0 ★Texas Ratio: 2.56%Real return: +1.60%APY minus CPI (February 2026) offering 6-Month CD at 4.40% APY, and Denver Community Credit Union DBA Zing Credit UnionDenver Community Credit Union DBA Zing Credit Union1075 Acoma St, Denver, CO 80204 4326A+5.0 ★Texas Ratio: 2.31%Real return: +1.60%APY minus CPI (February 2026) offering 60 Months CD at 4.40% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.

Denver has 356 local institutions in our database, with CD rates as high as 4.58% APY from Austin Capital Bank at 4045 Pecos St, Denver, CO 80211. 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: October 13, 2026

Compare Best CD Rates in Denver, Colorado & the Surrounding Area

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Denver 3 Month CD Rates

Colorado 3 Month CD Average2.34% APYNational 2.09%▼ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
4045 Pecos St, Denver, CO 80211
3 Month CD
$1,000
4.58% ▲ 2.24% above Colorado avg
View
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average2.34%▲ 2.24% above avgNationally 2.09%
Details

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

Rate History
1 change since Sep 14, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
3.82%4.45%5.08%Sep 14, 2026: 4.32% APYOct 7, 2026: 4.58% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20264.58%▲ from 4.32%
  • Sep 14, 20264.32%first recorded
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
1635 E Colfax Ave, Denver, CO 80218
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85% ▲ 1.51% above Colorado avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 2, 2026
Colorado Average2.34%▲ 1.51% above avgNationally 2.09%
Details

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

Rate History
No change since Sep 27, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 27, 2026: 3.85% APYSep 27, 2026Oct 14, 2026
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1075 Acoma St, Denver, CO 80204 4326
3 Months CD
$0
3.70% ▲ 1.36% above Colorado avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average2.34%▲ 1.36% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.70% ▲ 0.40 pts · high 3.70% / low 3.30%
2.80%3.50%4.20%Sep 14, 2026: 3.30% APYOct 10, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.70%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3033 E 1st Ave, Denver, CO 80206
90 Day Certificate
$1,000
3.00% ▲ 0.66% above Colorado avg
View
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average2.34%▲ 0.66% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 14, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3033 E 1st Ave, Denver, CO 80206
Business 90 Day Certificate
$1,000
3.00% ▲ 0.66% above Colorado avg
View
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average2.34%▲ 0.66% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 14, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1075 S Havana St, Denver, CO 80012 2901
3 Month Business CDs
$0
2.75% ▲ 0.41% above Colorado avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average2.34%▲ 0.41% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 14, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1075 S Havana St, Denver, CO 80012 2901
3 Month Certificate of Deposit
$0
2.75% ▲ 0.41% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average2.34%▲ 0.41% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 14, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1075 S Havana St, Denver, CO 80012 2901
3 Month Traditional CD
$0
2.75% ▲ 0.41% above Colorado avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average2.34%▲ 0.41% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 14, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
1275 Tremont Pl, Denver, CO 80204 2118
90 Day Traditional Certificate of Deposit (CD)
$0
2.00% ▼ 0.34% below Colorado avg
View
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.34%▼ 0.34% below avgNationally 2.09%
Details

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

Rate History
No change since Oct 13, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 13, 2026: 2.00% APYOct 13, 2026Oct 14, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
1275 Tremont Pl, Denver, CO 80204 2118
90 Day Traditional Certificate of Deposit (CD)
$0
1.90% ▼ 0.44% below Colorado avg
View
▼
Rate1.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.34%▼ 0.44% below avgNationally 2.09%
Details

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

Rate History
No change since Oct 13, 2026 · 1.90% APY
1.40%1.90%2.40%Oct 13, 2026: 1.90% APYOct 13, 2026Oct 14, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
3700 E Alameda Ave, Denver, CO 80209
3 Month Business Certificates of Deposit (CDs)
$0
1.85% ▼ 0.49% below Colorado avg
View
▼
Rate1.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.34%▼ 0.49% below avgNationally 2.09%
Details

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

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

Certificates of Deposit (CDs) minimum balance $500

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

Rate History
No change since Sep 22, 2026 · 1.85% APY · checked 3 times
1.35%1.85%2.35%Sep 22, 2026: 1.85% APYSep 22, 2026Oct 14, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
1275 Tremont Pl, Denver, CO 80204 2118
Traditional Certificate of Deposit (CD) - 90 Day
$0
1.80% ▼ 0.54% below Colorado avg
View
▼
Rate1.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.34%▼ 0.54% below avgNationally 2.09%
Details

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

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

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

Rate History
No change since Sep 14, 2026 · 1.70% APY · checked 5 times
1.20%1.70%2.20%Sep 14, 2026: 1.70% APYSep 14, 2026Oct 14, 2026
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
900 AURARIA PKWY UNIT 263, DENVER, CO 80204 5800
Traditional Certificate - 3 Month
$0
1.35% ▼ 0.99% below Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.34%▼ 0.99% below avgNationally 2.09%
Details

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

Rate History
No change since Oct 13, 2026 · 1.35% APY
0.85%1.35%1.85%Oct 13, 2026: 1.35% APYOct 13, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
3 Month Business Certificate of Deposit (CD)
$0
0.85% ▼ 1.49% below Colorado avg
View
▼
Rate0.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average2.34%▼ 1.49% below avgNationally 2.09%
Details

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

Rate History
No change since Oct 8, 2026 · 0.85% APY · checked 2 times
0.35%0.85%1.35%Oct 8, 2026: 0.85% APYOct 8, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
3 Month Certificate
$0
0.80% ▼ 1.54% below Colorado avg
View
▼
Rate0.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average2.34%▼ 1.54% below avgNationally 2.09%
Details

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

Rate History
No change since Oct 8, 2026 · 0.80% APY · checked 2 times
0.30%0.80%1.30%Oct 8, 2026: 0.80% APYOct 8, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
Business Certificate of Deposit (CD) - 3 Months
$0
0.75% ▼ 1.59% below Colorado avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average2.34%▼ 1.59% below avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 8, 2026: 0.75% APYOct 8, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
Certificate of Deposit (CD) - 3 Months
$0
0.75% ▼ 1.59% below Colorado avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average2.34%▼ 1.59% below avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 8, 2026: 0.75% APYOct 8, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1701 N Lincoln St, Denver, CO 80203
3 month Standard Fixed Rate
$2,500
0.06% ▼ 2.28% below Colorado avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average2.34%▼ 2.28% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1701 N Lincoln St, Denver, CO 80203
3 month Standard Interest Rate
$2,500
0.06% ▼ 2.28% below Colorado avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average2.34%▼ 2.28% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 14, 2026: 0.06% APYSep 14, 2026Oct 14, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1600 Broadway, Denver, CO 80202
90 Day Certificate
$0
0.06% ▼ 2.28% below Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average2.34%▼ 2.28% below avgNationally 2.09%
Details

Under $100,000

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1701 N Lincoln St, Denver, CO 80203
3 month Standard Fixed Rate
$2,500
0.05% ▼ 2.29% below Colorado avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average2.34%▼ 2.29% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3102 S Sheridan Blvd, Denver, CO 80227
3 Month IRA Certificates
$0
0.05% ▼ 2.29% below Colorado avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average2.34%▼ 2.29% below avgNationally 2.09%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 6, 2026: 0.05% APYOct 6, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3102 S Sheridan Blvd, Denver, CO 80227
3 Month Standard CD
$0
0.05% ▼ 2.29% below Colorado avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average2.34%▼ 2.29% below avgNationally 2.09%
Details

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 Garfield St, Denver, CO 80206
3 Month Certificate of Deposit
$0
0.03% ▼ 2.31% below Colorado avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average2.34%▼ 2.31% below avgNationally 2.09%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 Garfield St, Denver, CO 80206
3 Month Certificate of Deposit
$0
0.02% ▼ 2.32% below Colorado avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average2.34%▼ 2.32% below avgNationally 2.09%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 Garfield St, Denver, CO 80206
3 Month Certificate of Deposit
$0
0.01% ▼ 2.33% below Colorado avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average2.34%▼ 2.33% below avgNationally 2.09%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
3 Month CD
$0
4.14% ▲ 1.80% above Colorado avg
View
▼
Rate4.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average2.34%▲ 1.80% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.14% ▲ 0.54 pts · high 4.14% / low 3.60%
3.06%3.87%4.68%Sep 14, 2026: 3.60% APYSep 24, 2026: 4.14% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20264.14%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
High Plains Bank Flagler, CO
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
3 Month CD
$250
3.70% ▲ 1.36% above Colorado avg
View
▼
Rate3.63%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average2.34%▲ 1.36% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
3 Month CD
$0
3.65% ▲ 1.31% above Colorado avg
View
▼
Rate3.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average2.34%▲ 1.31% above avgNationally 2.09%
Details

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

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

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 14, 2026
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 10.44%
Certificate - 3 Month
$500
3.40% ▲ 1.06% above Colorado avg
View
▼
Rate3.36%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.34%▲ 1.06% above avgNationally 2.09%
Details

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

Rate History
No change since Oct 13, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 14, 2026
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 10.44%
Certificates & IRA Certificates - 3 Month
$500
3.40% ▲ 1.06% above Colorado avg
View
▼
Rate3.36%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.34%▲ 1.06% above avgNationally 2.09%
Details

Rate History
No change since Oct 13, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 14, 2026
Holyoke Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
3 Month CD
$500
3.29% ▲ 0.95% above Colorado avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average2.34%▲ 0.95% above avgNationally 2.09%
Details

Rate History
No change since Sep 25, 2026 · 3.29% APY · checked 4 times
2.79%3.29%3.79%Sep 25, 2026: 3.29% APYSep 25, 2026Oct 14, 2026
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
3 Month Certificate
$500
3.29% ▲ 0.95% above Colorado avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 1, 2026
Colorado Average2.34%▲ 0.95% above avgNationally 2.09%
Details

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

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

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

Rate History
No change since Sep 15, 2026 · 3.24% APY · checked 6 times
2.74%3.24%3.74%Sep 15, 2026: 3.24% APYSep 15, 2026Oct 14, 2026
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
3 Month Time Certificates - Fixed Rate
$0
3.20% ▲ 0.86% above Colorado avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average2.34%▲ 0.86% above avgNationally 2.09%
Details

Rate History
1 change since Sep 19, 2026 · 2.80% → 3.20% ▲ 0.40 pts · high 3.20% / low 2.80%
2.30%3.00%3.70%Sep 19, 2026: 2.80% APYSep 24, 2026: 3.20% APYSep 19, 2026Oct 14, 2026
  • Sep 24, 20263.20%▲ from 2.80%
  • Sep 19, 20262.80%first recorded
Grand Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
3 Month Certificate
$500
3.20% ▲ 0.86% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average2.34%▲ 0.86% above avgNationally 2.09%
Details

.25% bonus for Star and Senior Accounts!

Rate History
1 change since Sep 24, 2026 · 3.10% → 3.20% ▲ 0.10 pts · high 3.20% / low 3.10%
2.60%3.15%3.70%Sep 24, 2026: 3.10% APYOct 12, 2026: 3.20% APYSep 24, 2026Oct 14, 2026
  • Oct 12, 20263.20%▲ from 3.10%
  • Sep 24, 20263.10%first recorded
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
3 Month Term Certificates
$0
3.10% ▲ 0.76% above Colorado avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average2.34%▲ 0.76% above avgNationally 2.09%
Details

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

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 5 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 14, 2026
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
Share Certificate 3 Months
$500
3.00% ▲ 0.66% above Colorado avg
View
▼
Rate2.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.34%▲ 0.66% above avgNationally 2.09%
Details

Dividend rate for $500 and up

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

$10,000 Minimum

Rate History
No change since Sep 16, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 16, 2026: 2.75% APYSep 16, 2026Oct 14, 2026
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
3 Month Share Certificates
$0
2.75% ▲ 0.41% above Colorado avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average2.34%▲ 0.41% above avgNationally 2.09%
Details

Balance: $50,000+

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 14, 2026
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
3 Month Certificate
$500
2.75% ▲ 0.41% above Colorado avg
View
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average2.34%▲ 0.41% above avgNationally 2.09%
Details

Standard (Min Balance: $500)

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 14, 2026

Denver 6 Month CD Rates

Colorado 6 Month CD Average3.18% APYNational 2.77%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
2480 W Alameda Ave, Denver, CO 80223
6-Month CD
$1,000
4.40% ▲ 1.22% above Colorado avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.18%▲ 1.22% above avgNationally 2.77%
Details

Rate History
1 change since Sep 16, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 16, 2026: 4.35% APYOct 12, 2026: 4.40% APYSep 16, 2026Oct 14, 2026
  • Oct 12, 20264.40%▲ from 4.35%
  • Sep 16, 20264.35%first recorded
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1099 18th St, Denver, CO 80202
6 Month Certificate
$50,000
4.35% ▲ 1.17% above Colorado avg
View
▼
Rate4.35%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.18%▲ 1.17% above avgNationally 2.77%
Details

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

Rate History
2 changes since Sep 14, 2026 · 4.20% → 4.35% ▲ 0.15 pts · high 4.35% / low 4.20%
3.70%4.28%4.85%Sep 14, 2026: 4.20% APYSep 24, 2026: 4.25% APYOct 7, 2026: 4.35% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20264.35%▲ from 4.25%
  • Sep 24, 20264.25%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
4045 Pecos St, Denver, CO 80211
6 Month CD
$1,000
4.30% ▲ 1.12% above Colorado avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.18%▲ 1.12% above avgNationally 2.77%
Details

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

Rate History
1 change since Sep 14, 2026 · 4.04% → 4.30% ▲ 0.26 pts · high 4.30% / low 4.04%
3.54%4.17%4.80%Sep 14, 2026: 4.04% APYOct 7, 2026: 4.30% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20264.30%▲ from 4.04%
  • Sep 14, 20264.04%first recorded
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2001 Lincoln St Ste 100, Denver, CO 80202 3802
6 Month CDs & IRA Certificates of Deposit
$0
4.00% ▲ 0.82% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.18%▲ 0.82% above avgNationally 2.77%
Details

Balance: $100,000 +

Rate History
1 change since Sep 18, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 18, 2026: 3.80% APYOct 10, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20264.00%▲ from 3.80%
  • Sep 18, 20263.80%first recorded
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2001 Lincoln St Ste 100, Denver, CO 80202 3802
6 Month CDs & IRA Certificates of Deposit
$0
3.90% ▲ 0.72% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.18%▲ 0.72% above avgNationally 2.77%
Details

Balance: $500-$99,999.99

Rate History
1 change since Sep 18, 2026 · 3.70% → 3.90% ▲ 0.20 pts · high 3.90% / low 3.70%
3.20%3.80%4.40%Sep 18, 2026: 3.70% APYOct 10, 2026: 3.90% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20263.90%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
4000 Quebec St, Denver, CO 80216 6619
Jumbo Certificates and IRAs - 6 Months (REG only)
$0
3.85% ▲ 0.67% above Colorado avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.18%▲ 0.67% above avgNationally 2.77%
Details

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

Rate History
No change since Oct 9, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 9, 2026: 3.85% APYOct 9, 2026Oct 14, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1075 S Havana St, Denver, CO 80012 2901
6 Month Business CDs
$0
3.85% ▲ 0.67% above Colorado avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.18%▲ 0.67% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 14, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1075 S Havana St, Denver, CO 80012 2901
6 Month Certificate of Deposit
$0
3.85% ▲ 0.67% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.18%▲ 0.67% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 14, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1075 S Havana St, Denver, CO 80012 2901
6 Month IRA Jumbo CD
$0
3.85% ▲ 0.67% above Colorado avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.18%▲ 0.67% above avgNationally 2.77%
Details

Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 18, 2026: 3.85% APYSep 18, 2026Oct 14, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1075 S Havana St, Denver, CO 80012 2901
6 Month Jumbo CD
$0
3.85% ▲ 0.67% above Colorado avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.18%▲ 0.67% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 14, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1075 S Havana St, Denver, CO 80012 2901
6 Month Traditional CD
$0
3.85% ▲ 0.67% above Colorado avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.18%▲ 0.67% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 14, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1075 S Havana St, Denver, CO 80012 2901
IRA Jumbo CDs - 6 Months
$100,000
3.85% ▲ 0.67% above Colorado avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.18%▲ 0.67% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 14, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
101 Cook St, Denver, CO 80206
6 Month CD
$500
3.85% ▲ 0.67% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.18%▲ 0.67% above avgNationally 2.77%
Details

Rate History
No change since Oct 6, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 6, 2026: 3.85% APYOct 6, 2026Oct 14, 2026
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1075 Acoma St, Denver, CO 80204 4326
6 Months CD
$0
3.81% ▲ 0.63% above Colorado avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.18%▲ 0.63% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.81% ▲ 0.21 pts · high 3.81% / low 3.60%
3.10%3.71%4.31%Sep 14, 2026: 3.60% APYOct 10, 2026: 3.81% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.81%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
12 Lakeside Ln, Denver, CO 80212 7413
6 Month Share/IRA/HSA Certificates
$0
3.80% ▲ 0.62% above Colorado avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.18%▲ 0.62% above avgNationally 2.77%
Details

Rate History
No change since Sep 25, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Sep 25, 2026: 3.80% APYSep 25, 2026Oct 14, 2026
Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
12 Lakeside Ln, Denver, CO 80212 7413
Share/IRA/HSA Certificates - 6 months
$500
3.80% ▲ 0.62% above Colorado avg
View
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.18%▲ 0.62% above avgNationally 2.77%
Details

$500 Minimum

Rate History
No change since Oct 8, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 8, 2026: 3.80% APYOct 8, 2026Oct 14, 2026
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
900 AURARIA PKWY UNIT 263, DENVER, CO 80204 5800
Traditional Certificate - 6 Month
$0
3.80% ▲ 0.62% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.18%▲ 0.62% above avgNationally 2.77%
Details

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

Rate History
No change since Oct 13, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 13, 2026: 3.80% APYOct 13, 2026Oct 14, 2026
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
900 AURARIA PKWY UNIT 263, DENVER, CO 80204 5800
Traditional IRA 6 Month Certificate
$0
3.80% ▲ 0.62% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.18%▲ 0.62% above avgNationally 2.77%
Details

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

Rate History
No change since Oct 13, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 13, 2026: 3.80% APYOct 13, 2026Oct 14, 2026
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
4000 Quebec St, Denver, CO 80216 6619
Consumer and Business Regular and IRA Certificates of Deposit (CDs) - 6 Months
$500
3.75% ▲ 0.57% above Colorado avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.18%▲ 0.57% above avgNationally 2.77%
Details

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3611 E 1st Ave, Denver, CO 80206
6-Month CD
$0
3.75% ▲ 0.57% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.18%▲ 0.57% above avgNationally 2.77%
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3611 E 1st Ave, Denver, CO 80206
6-Month Term
$1,000
3.75% ▲ 0.57% above Colorado avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.18%▲ 0.57% above avgNationally 2.77%
Details

Rate History
No change since Sep 27, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 27, 2026: 3.75% APYSep 27, 2026Oct 14, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
1275 Tremont Pl, Denver, CO 80204 2118
6 Month Traditional Certificate of Deposit (CD)
$0
3.60% ▲ 0.42% above Colorado avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.18%▲ 0.42% above avgNationally 2.77%
Details

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

Rate History
No change since Oct 13, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 14, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
1275 Tremont Pl, Denver, CO 80204 2118
6 Month Traditional Certificate of Deposit (CD)
$0
3.51% ▲ 0.33% above Colorado avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.18%▲ 0.33% above avgNationally 2.77%
Details

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

Rate History
No change since Oct 13, 2026 · 3.51% APY
3.01%3.51%4.01%Oct 13, 2026: 3.51% APYOct 13, 2026Oct 14, 2026
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
4545 E 51st Ave, Denver, CO 80216
6 Month Certificate of Deposit
$500
3.50% ▲ 0.32% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.18%▲ 0.32% above avgNationally 2.77%
Details

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

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 14, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
1275 Tremont Pl, Denver, CO 80204 2118
Traditional Certificate of Deposit (CD) - 6 Month
$0
3.40% ▲ 0.22% above Colorado avg
View
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.18%▲ 0.22% above avgNationally 2.77%
Details

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

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 5 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 14, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
1275 Tremont Pl, Denver, CO 80204 2118
Traditional Certificate of Deposit (CD) - 6 Month
$0
3.30% ▲ 0.12% above Colorado avg
View
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.18%▲ 0.12% above avgNationally 2.77%
Details

Deposits under $25,000; Account Balance $500

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 5 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 14, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3033 E 1st Ave, Denver, CO 80206
180 Day Certificate
$1,000
3.10% ▼ 0.08% below Colorado avg
View
▼
Rate3.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.18%▼ 0.08% below avgNationally 2.77%
Details

Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 7, 2026: 3.10% APYOct 7, 2026Oct 14, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3033 E 1st Ave, Denver, CO 80206
Business 180 Day Certificate
$1,000
3.10% ▼ 0.08% below Colorado avg
View
▼
Rate3.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.18%▼ 0.08% below avgNationally 2.77%
Details

Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 7, 2026: 3.10% APYOct 7, 2026Oct 14, 2026
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
1601 Wewatta St Ste 300, Denver, CO 80202 6478
6-Month Certificate
$0
3.05% ▼ 0.13% below Colorado avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.18%▼ 0.13% below avgNationally 2.77%
Details

Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 5 times
2.55%3.05%3.55%Sep 18, 2026: 3.05% APYSep 18, 2026Oct 14, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
3700 E Alameda Ave, Denver, CO 80209
6 Month Business Certificates of Deposit (CDs)
$0
1.70% ▼ 1.48% below Colorado avg
View
▼
Rate1.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.18%▼ 1.48% below avgNationally 2.77%
Details

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

Rate History
No change since Sep 14, 2026 · 1.70% APY · checked 6 times
1.20%1.70%2.20%Sep 14, 2026: 1.70% APYSep 14, 2026Oct 14, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
3700 E Alameda Ave, Denver, CO 80209
6 Month Certificates of Deposit (CDs)
$0
1.70% ▼ 1.48% below Colorado avg
View
▼
Rate1.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.18%▼ 1.48% below avgNationally 2.77%
Details

Certificates of Deposit (CDs) minimum balance $500

Rate History
No change since Sep 14, 2026 · 1.70% APY · checked 6 times
1.20%1.70%2.20%Sep 14, 2026: 1.70% APYSep 14, 2026Oct 14, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
3700 E Alameda Ave, Denver, CO 80209
Individual Retirement Account (IRA) CDs - 6 Month
$0
1.70% ▼ 1.48% below Colorado avg
View
▼
Rate1.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.18%▼ 1.48% below avgNationally 2.77%
Details

Rate History
No change since Sep 22, 2026 · 1.70% APY · checked 3 times
1.20%1.70%2.20%Sep 22, 2026: 1.70% APYSep 22, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
6 Month Business Certificate of Deposit (CD)
$0
1.61% ▼ 1.57% below Colorado avg
View
▼
Rate1.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.18%▼ 1.57% below avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 1.36% → 1.61% ▲ 0.25 pts · high 1.61% / low 1.36%
0.86%1.48%2.11%Sep 14, 2026: 1.36% APYSep 28, 2026: 1.61% APYSep 14, 2026Oct 14, 2026
  • Sep 28, 20261.61%▲ from 1.36%
  • Sep 14, 20261.36%first recorded
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
6 Month CD
$100,000
1.61% ▼ 1.57% below Colorado avg
View
▼
Rate1.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.18%▼ 1.57% below avgNationally 2.77%
Details

Rate History
No change since Oct 8, 2026 · 1.61% APY · checked 2 times
1.11%1.61%2.11%Oct 8, 2026: 1.61% APYOct 8, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
6 Month Certificate
$0
1.56% ▼ 1.62% below Colorado avg
View
▼
Rate1.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.18%▼ 1.62% below avgNationally 2.77%
Details

Rate History
2 changes since Sep 14, 2026 · 1.36% → 1.56% ▲ 0.20 pts · high 1.61% / low 1.36%
0.86%1.48%2.11%Sep 14, 2026: 1.36% APYSep 24, 2026: 1.61% APYOct 8, 2026: 1.56% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20261.56%▼ from 1.61%
  • Sep 24, 20261.61%▲ from 1.36%
  • Sep 14, 20261.36%first recorded
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
Business Certificate of Deposit (CD) - 6 Months
$0
1.56% ▼ 1.62% below Colorado avg
View
▼
Rate1.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.18%▼ 1.62% below avgNationally 2.77%
Details

Rate History
No change since Oct 8, 2026 · 1.56% APY · checked 2 times
1.06%1.56%2.06%Oct 8, 2026: 1.56% APYOct 8, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
Business Certificate of Deposit (CD) - 6 Months
$0
1.51% ▼ 1.67% below Colorado avg
View
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.18%▼ 1.67% below avgNationally 2.77%
Details

Rate History
No change since Oct 8, 2026 · 1.51% APY · checked 2 times
1.01%1.51%2.01%Oct 8, 2026: 1.51% APYOct 8, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
Certificate of Deposit (CD) - 6 Months
$0
1.51% ▼ 1.67% below Colorado avg
View
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.18%▼ 1.67% below avgNationally 2.77%
Details

Rate History
No change since Oct 8, 2026 · 1.51% APY · checked 2 times
1.01%1.51%2.01%Oct 8, 2026: 1.51% APYOct 8, 2026Oct 14, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1600 Broadway, Denver, CO 80202
180 Day Certificate
$0
1.50% ▼ 1.68% below Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.18%▼ 1.68% below avgNationally 2.77%
Details

Under $100,000

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 14, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1600 Broadway, Denver, CO 80202
IRA CD - 6 Months
$0
1.50% ▼ 1.68% below Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.18%▼ 1.68% below avgNationally 2.77%
Details

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1701 N Lincoln St, Denver, CO 80203
6 month Standard Fixed Rate
$2,500
0.06% ▼ 3.12% below Colorado avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.18%▼ 3.12% below avgNationally 2.77%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1701 N Lincoln St, Denver, CO 80203
6 month Standard Interest Rate
$2,500
0.06% ▼ 3.12% below Colorado avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.18%▼ 3.12% below avgNationally 2.77%
Details

Balance: $0 - $4,999.99; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 14, 2026: 0.06% APYSep 14, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1701 N Lincoln St, Denver, CO 80203
6 month Standard Fixed Rate
$2,500
0.05% ▼ 3.13% below Colorado avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.18%▼ 3.13% below avgNationally 2.77%
Details

Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3102 S Sheridan Blvd, Denver, CO 80227
6 Month IRA Certificates
$0
0.05% ▼ 3.13% below Colorado avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.18%▼ 3.13% below avgNationally 2.77%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 6, 2026: 0.05% APYOct 6, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3102 S Sheridan Blvd, Denver, CO 80227
6 Month Standard CD
$0
0.05% ▼ 3.13% below Colorado avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.18%▼ 3.13% below avgNationally 2.77%
Details

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 Garfield St, Denver, CO 80206
6 Month Certificate of Deposit
$0
0.03% ▼ 3.15% below Colorado avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.18%▼ 3.15% below avgNationally 2.77%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 Garfield St, Denver, CO 80206
6 Month Certificate of Deposit
$0
0.02% ▼ 3.16% below Colorado avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.18%▼ 3.16% below avgNationally 2.77%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 Garfield St, Denver, CO 80206
6 Month Certificate of Deposit
$0
0.01% ▼ 3.17% below Colorado avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.18%▼ 3.17% below avgNationally 2.77%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.91%
6 Month IRA Certificate of Deposit (CD)
$1,000
4.18% ▲ 1.00% above Colorado avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Colorado Average3.18%▲ 1.00% above avgNationally 2.77%
Details

Balance: $1,000 - $24,999

Rate History
No change since Oct 9, 2026 · 4.18% APY · checked 3 times
3.68%4.18%4.68%Oct 9, 2026: 4.18% APYOct 9, 2026Oct 14, 2026
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
6 Month CD
$0
4.15% ▲ 0.97% above Colorado avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.18%▲ 0.97% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 14, 2026

Denver 12 Month CD Rates

Colorado 12 Month CD Average3.29% APYNational 2.99%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1099 18th St, Denver, CO 80202
12 Month Certificate
$50,000
4.51% ▲ 1.22% above Colorado avg
View
▼
Rate4.51%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.29%▲ 1.22% above avgNationally 2.99%
Details

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

Rate History
2 changes since Sep 14, 2026 · 4.23% → 4.51% ▲ 0.28 pts · high 4.51% / low 4.23%
3.73%4.37%5.01%Sep 14, 2026: 4.23% APYSep 24, 2026: 4.33% APYOct 7, 2026: 4.51% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20264.51%▲ from 4.33%
  • Sep 24, 20264.33%▲ from 4.23%
  • Sep 14, 20264.23%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
101 Cook St, Denver, CO 80206
12 Month CD
$500
4.30% ▲ 1.01% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.29%▲ 1.01% above avgNationally 2.99%
Details

Rate History
1 change since Oct 6, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
3.50%4.15%4.80%Oct 6, 2026: 4.00% APYOct 10, 2026: 4.30% APYOct 6, 2026Oct 14, 2026
  • Oct 10, 20264.30%▲ from 4.00%
  • Oct 6, 20264.00%first recorded
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
7800 Smith Rd, Denver, CO 80207
12-Month Certificate of Deposit
$500
4.20% ▲ 0.91% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.29%▲ 0.91% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
3.25%3.98%4.70%Sep 18, 2026: 3.75% APYOct 2, 2026: 4.20% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.20%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
4045 Pecos St, Denver, CO 80211
12 Month CD
$1,000
4.00% ▲ 0.71% above Colorado avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.29%▲ 0.71% above avgNationally 2.99%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
2.00%3.50%5.00%Sep 14, 2026: 3.00% APYOct 7, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20264.00%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
900 AURARIA PKWY UNIT 263, DENVER, CO 80204 5800
Traditional Certificate - 12 Month
$0
4.00% ▲ 0.71% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.29%▲ 0.71% above avgNationally 2.99%
Details

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

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 14, 2026
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
900 AURARIA PKWY UNIT 263, DENVER, CO 80204 5800
Traditional IRA 12 Month Certificate
$0
4.00% ▲ 0.71% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.29%▲ 0.71% above avgNationally 2.99%
Details

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

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 14, 2026
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2001 Lincoln St Ste 100, Denver, CO 80202 3802
12 Month CDs & IRA Certificates of Deposit
$0
4.00% ▲ 0.71% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.29%▲ 0.71% above avgNationally 2.99%
Details

Balance: $100,000 +

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 18, 2026: 3.75% APYOct 10, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20264.00%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3611 E 1st Ave, Denver, CO 80206
1-Year CD
$0
4.00% ▲ 0.71% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.29%▲ 0.71% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3611 E 1st Ave, Denver, CO 80206
1-Year Term
$1,000
4.00% ▲ 0.71% above Colorado avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.29%▲ 0.71% above avgNationally 2.99%
Details

Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Oct 14, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1075 S Havana St, Denver, CO 80012 2901
12 Month Business CDs
$0
3.90% ▲ 0.61% above Colorado avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.29%▲ 0.61% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1075 S Havana St, Denver, CO 80012 2901
12 Month Certificate of Deposit
$0
3.90% ▲ 0.61% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.29%▲ 0.61% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1075 S Havana St, Denver, CO 80012 2901
12 Month HSA CD
$0
3.90% ▲ 0.61% above Colorado avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.29%▲ 0.61% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1075 S Havana St, Denver, CO 80012 2901
12 Month IRA Jumbo CD
$0
3.90% ▲ 0.61% above Colorado avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.29%▲ 0.61% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Oct 14, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1075 S Havana St, Denver, CO 80012 2901
12 Month Jumbo CD
$0
3.90% ▲ 0.61% above Colorado avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.29%▲ 0.61% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1075 S Havana St, Denver, CO 80012 2901
12 Month Traditional CD
$0
3.90% ▲ 0.61% above Colorado avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.29%▲ 0.61% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1075 S Havana St, Denver, CO 80012 2901
12 Month Youth CD
$0
3.90% ▲ 0.61% above Colorado avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.29%▲ 0.61% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1075 S Havana St, Denver, CO 80012 2901
12 Month Youth Certificate of Deposit
$0
3.90% ▲ 0.61% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.29%▲ 0.61% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1075 S Havana St, Denver, CO 80012 2901
IRA Jumbo CDs - 12 Months
$100,000
3.90% ▲ 0.61% above Colorado avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.29%▲ 0.61% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1075 S Havana St, Denver, CO 80012 2901
Youth CD - 12 Months
$50
3.90% ▲ 0.61% above Colorado avg
View
▼
RateN/A
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.29%▲ 0.61% above avgNationally 2.99%
Details

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

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2001 Lincoln St Ste 100, Denver, CO 80202 3802
12 Month CDs & IRA Certificates of Deposit
$0
3.90% ▲ 0.61% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.29%▲ 0.61% above avgNationally 2.99%
Details

Balance: $500-$99,999.99

Rate History
1 change since Sep 18, 2026 · 3.65% → 3.90% ▲ 0.25 pts · high 3.90% / low 3.65%
3.15%3.78%4.40%Sep 18, 2026: 3.65% APYOct 10, 2026: 3.90% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20263.90%▲ from 3.65%
  • Sep 18, 20263.65%first recorded
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1075 Acoma St, Denver, CO 80204 4326
12 Months CD
$0
3.90% ▲ 0.61% above Colorado avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.29%▲ 0.61% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.90% ▲ 0.15 pts · high 3.90% / low 3.75%
3.25%3.83%4.40%Sep 14, 2026: 3.75% APYOct 10, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.90%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
850 E Harvard Ave Ste G 45, Denver, CO 80210
Jumbo Share Certificates - 1 Year
$0
3.85% ▲ 0.56% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.29%▲ 0.56% above avgNationally 2.99%
Details

Rate History
No change since Oct 5, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Oct 5, 2026: 3.85% APYOct 5, 2026Oct 14, 2026
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
4000 Quebec St, Denver, CO 80216 6619
Jumbo Certificates and IRAs - 12 Months
$0
3.85% ▲ 0.56% above Colorado avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.29%▲ 0.56% above avgNationally 2.99%
Details

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

Rate History
No change since Oct 9, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 9, 2026: 3.85% APYOct 9, 2026Oct 14, 2026
Wings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
1499 Wynkoop St Ste 100, Denver, CO 80202 5557
12 Month Certificate
$0
3.85% ▲ 0.56% above Colorado avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.29%▲ 0.56% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 14, 2026
Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
12 Lakeside Ln, Denver, CO 80212 7413
12 Month Share/IRA/HSA Certificates
$0
3.80% ▲ 0.51% above Colorado avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.29%▲ 0.51% above avgNationally 2.99%
Details

Rate History
No change since Sep 25, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Sep 25, 2026: 3.80% APYSep 25, 2026Oct 14, 2026
Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
12 Lakeside Ln, Denver, CO 80212 7413
Share/IRA/HSA Certificates - 12 months
$500
3.80% ▲ 0.51% above Colorado avg
View
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.29%▲ 0.51% above avgNationally 2.99%
Details

$500 Minimum

Rate History
No change since Oct 8, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 8, 2026: 3.80% APYOct 8, 2026Oct 14, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
1275 Tremont Pl, Denver, CO 80204 2118
1 Year Traditional Certificate of Deposit (CD)
$0
3.80% ▲ 0.51% above Colorado avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.29%▲ 0.51% above avgNationally 2.99%
Details

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

Rate History
No change since Oct 13, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 13, 2026: 3.80% APYOct 13, 2026Oct 14, 2026
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
4000 Quebec St, Denver, CO 80216 6619
Consumer and Business Regular and IRA Certificates of Deposit (CDs) - 12 Months
$500
3.75% ▲ 0.46% above Colorado avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.29%▲ 0.46% above avgNationally 2.99%
Details

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 14, 2026
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
850 E Harvard Ave Ste G 45, Denver, CO 80210
Regular IRA Share Certificates - 1 Year
$0
3.70% ▲ 0.41% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.29%▲ 0.41% above avgNationally 2.99%
Details

Balance: $1,000.00-$99,999.99

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
3.05%3.63%4.20%Sep 14, 2026: 3.55% APYOct 5, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20263.70%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
1275 Tremont Pl, Denver, CO 80204 2118
1 Year Traditional Certificate of Deposit (CD)
$0
3.70% ▲ 0.41% above Colorado avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.29%▲ 0.41% above avgNationally 2.99%
Details

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

Rate History
No change since Oct 13, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 13, 2026: 3.70% APYOct 13, 2026Oct 14, 2026
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
4545 E 51st Ave, Denver, CO 80216
12 Month Certificate of Deposit
$100,000
3.70% ▲ 0.41% above Colorado avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.29%▲ 0.41% above avgNationally 2.99%
Details

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

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 14, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
1275 Tremont Pl, Denver, CO 80204 2118
Traditional Certificate of Deposit (CD) - 1 Year
$0
3.60% ▲ 0.31% above Colorado avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.29%▲ 0.31% above avgNationally 2.99%
Details

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

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
4545 E 51st Ave, Denver, CO 80216
12 Month Certificate of Deposit
$500
3.60% ▲ 0.31% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.29%▲ 0.31% above avgNationally 2.99%
Details

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

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 14, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
1275 Tremont Pl, Denver, CO 80204 2118
Traditional Certificate of Deposit (CD) - 1 Year
$0
3.51% ▲ 0.22% above Colorado avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.29%▲ 0.22% above avgNationally 2.99%
Details

Deposits under $25,000; Account Balance $500

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 5 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 14, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3033 E 1st Ave, Denver, CO 80206
12 Month Certificate
$1,000
3.30% ▲ 0.01% above Colorado avg
View
▼
Rate3.26%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.29%▲ 0.01% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 7, 2026: 3.30% APYOct 7, 2026Oct 14, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3033 E 1st Ave, Denver, CO 80206
Business 12 Month Certificate
$1,000
3.30% ▲ 0.01% above Colorado avg
View
▼
Rate3.26%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.29%▲ 0.01% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 7, 2026: 3.30% APYOct 7, 2026Oct 14, 2026
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
1601 Wewatta St Ste 300, Denver, CO 80202 6478
12-Month Certificate
$0
2.95% ▼ 0.34% below Colorado avg
View
▼
Rate2.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.29%▼ 0.34% below avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 2.95% APY · checked 5 times
2.45%2.95%3.45%Sep 18, 2026: 2.95% APYSep 18, 2026Oct 14, 2026
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
900 AURARIA PKWY UNIT 263, DENVER, CO 80204 5800
12 Month Term Starter Certificate
$0
2.40% ▼ 0.89% below Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.29%▼ 0.89% below avgNationally 2.99%
Details

Starter Certificates - Add On Options; Early withdrawal penalties may apply

Rate History
No change since Sep 14, 2026 · 2.40% APY · checked 6 times
1.90%2.40%2.90%Sep 14, 2026: 2.40% APYSep 14, 2026Oct 14, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3611 E 1st Ave, Denver, CO 80206
12 Month CD
$500
2.00% ▼ 1.29% below Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.29%▼ 1.29% below avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 7, 2026: 2.00% APYOct 7, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
12 Month Business Certificate of Deposit (CD)
$0
1.86% ▼ 1.43% below Colorado avg
View
▼
Rate1.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.29%▼ 1.43% below avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 1.61% → 1.86% ▲ 0.25 pts · high 1.86% / low 1.61%
1.11%1.74%2.36%Sep 14, 2026: 1.61% APYSep 28, 2026: 1.86% APYSep 14, 2026Oct 14, 2026
  • Sep 28, 20261.86%▲ from 1.61%
  • Sep 14, 20261.61%first recorded
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
12 Month CD
$100,000
1.86% ▼ 1.43% below Colorado avg
View
▼
Rate1.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.29%▼ 1.43% below avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 1.86% APY · checked 2 times
1.36%1.86%2.36%Oct 8, 2026: 1.86% APYOct 8, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
12 Month Certificate
$0
1.81% ▼ 1.48% below Colorado avg
View
▼
Rate1.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.29%▼ 1.48% below avgNationally 2.99%
Details

Rate History
2 changes since Sep 14, 2026 · 1.61% → 1.81% ▲ 0.20 pts · high 1.86% / low 1.61%
1.11%1.74%2.36%Sep 14, 2026: 1.61% APYSep 24, 2026: 1.86% APYOct 8, 2026: 1.81% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20261.81%▼ from 1.86%
  • Sep 24, 20261.86%▲ from 1.61%
  • Sep 14, 20261.61%first recorded
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
Business Certificate of Deposit (CD) - 12 Months
$0
1.81% ▼ 1.48% below Colorado avg
View
▼
Rate1.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.29%▼ 1.48% below avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 1.81% APY · checked 2 times
1.31%1.81%2.31%Oct 8, 2026: 1.81% APYOct 8, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
Business Certificate of Deposit (CD) - 12 Months
$0
1.76% ▼ 1.53% below Colorado avg
View
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.29%▼ 1.53% below avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 1.76% APY · checked 2 times
1.26%1.76%2.26%Oct 8, 2026: 1.76% APYOct 8, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
Certificate of Deposit (CD) - 12 Months
$0
1.76% ▼ 1.53% below Colorado avg
View
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.29%▼ 1.53% below avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 1.76% APY · checked 2 times
1.26%1.76%2.26%Oct 8, 2026: 1.76% APYOct 8, 2026Oct 14, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
3700 E Alameda Ave, Denver, CO 80209
12 Month Business Certificates of Deposit (CDs)
$0
1.60% ▼ 1.69% below Colorado avg
View
▼
Rate1.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.29%▼ 1.69% below avgNationally 2.99%
Details

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

Rate History
No change since Sep 14, 2026 · 1.60% APY · checked 6 times
1.10%1.60%2.10%Sep 14, 2026: 1.60% APYSep 14, 2026Oct 14, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
3700 E Alameda Ave, Denver, CO 80209
12 Month Certificates of Deposit (CDs)
$0
1.60% ▼ 1.69% below Colorado avg
View
▼
Rate1.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.29%▼ 1.69% below avgNationally 2.99%
Details

Certificates of Deposit (CDs) minimum balance $500

Rate History
No change since Sep 14, 2026 · 1.60% APY · checked 6 times
1.10%1.60%2.10%Sep 14, 2026: 1.60% APYSep 14, 2026Oct 14, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
3700 E Alameda Ave, Denver, CO 80209
Individual Retirement Account (IRA) CDs - 12 Month
$0
1.60% ▼ 1.69% below Colorado avg
View
▼
Rate1.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.29%▼ 1.69% below avgNationally 2.99%
Details

Rate History
No change since Sep 22, 2026 · 1.60% APY · checked 3 times
1.10%1.60%2.10%Sep 22, 2026: 1.60% APYSep 22, 2026Oct 14, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
3700 E Alameda Ave, Denver, CO 80209
Jumbo Certificates of Deposit (CDs) - 12 Month
$0
1.60% ▼ 1.69% below Colorado avg
View
▼
Rate1.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.29%▼ 1.69% below avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 1.60% APY · checked 3 times
1.10%1.60%2.10%Sep 14, 2026: 1.60% APYSep 14, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1701 N Lincoln St, Denver, CO 80203
1 year Standard Fixed Rate
$2,500
1.51% ▼ 1.78% below Colorado avg
View
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.29%▼ 1.78% below avgNationally 2.99%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
1 change since Sep 14, 2026 · 1.50% → 1.51% ▲ 0.01 pts · high 1.51% / low 1.50%
1.00%1.51%2.01%Sep 14, 2026: 1.50% APYOct 7, 2026: 1.51% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20261.51%▲ from 1.50%
  • Sep 14, 20261.50%first recorded

Denver 18 Month CD Rates

Colorado 18 Month CD Average3.10% APYNational 2.88%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1099 18th St, Denver, CO 80202
18 Month Certificate
$50,000
4.51% ▲ 1.41% above Colorado avg
View
▼
Rate4.51%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.10%▲ 1.41% above avgNationally 2.88%
Details

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

Rate History
2 changes since Sep 14, 2026 · 4.21% → 4.51% ▲ 0.30 pts · high 4.51% / low 4.21%
3.71%4.36%5.01%Sep 14, 2026: 4.21% APYSep 24, 2026: 4.30% APYOct 7, 2026: 4.51% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20264.51%▲ from 4.30%
  • Sep 24, 20264.30%▲ from 4.21%
  • Sep 14, 20264.21%first recorded
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
7800 Smith Rd, Denver, CO 80207
18-Month Certificate of Deposit
$500
4.40% ▲ 1.30% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.10%▲ 1.30% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.10% → 4.40% ▲ 1.30 pts · high 4.40% / low 3.10%
1.80%3.75%5.70%Sep 18, 2026: 3.10% APYOct 2, 2026: 4.40% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.40%▲ from 3.10%
  • Sep 18, 20263.10%first recorded
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
2480 W Alameda Ave, Denver, CO 80223
18-Month CD
$1,000
4.35% ▲ 1.25% above Colorado avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.10%▲ 1.25% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 16, 2026 · 4.40% → 4.35% ▼ 0.05 pts · high 4.40% / low 4.25%
3.75%4.33%4.90%Sep 16, 2026: 4.40% APYOct 3, 2026: 4.25% APYOct 12, 2026: 4.35% APYSep 16, 2026Oct 14, 2026
  • Oct 12, 20264.35%▲ from 4.25%
  • Oct 3, 20264.25%▼ from 4.40%
  • Sep 16, 20264.40%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
101 Cook St, Denver, CO 80206
18 Month CD
$500
4.35% ▲ 1.25% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.10%▲ 1.25% above avgNationally 2.88%
Details

Rate History
1 change since Oct 6, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Oct 6, 2026: 4.15% APYOct 10, 2026: 4.35% APYOct 6, 2026Oct 14, 2026
  • Oct 10, 20264.35%▲ from 4.15%
  • Oct 6, 20264.15%first recorded
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2001 Lincoln St Ste 100, Denver, CO 80202 3802
18 Month CDs & IRA Certificates of Deposit
$0
3.85% ▲ 0.75% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.10%▲ 0.75% above avgNationally 2.88%
Details

Balance: $100,000 +

Rate History
1 change since Sep 18, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65%
3.15%3.75%4.35%Sep 18, 2026: 3.65% APYOct 10, 2026: 3.85% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20263.85%▲ from 3.65%
  • Sep 18, 20263.65%first recorded
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2001 Lincoln St Ste 100, Denver, CO 80202 3802
18 Month CDs & IRA Certificates of Deposit
$0
3.75% ▲ 0.65% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.10%▲ 0.65% above avgNationally 2.88%
Details

Balance: $500-$99,999.99

Rate History
1 change since Sep 18, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55%
3.05%3.65%4.25%Sep 18, 2026: 3.55% APYOct 10, 2026: 3.75% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20263.75%▲ from 3.55%
  • Sep 18, 20263.55%first recorded
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
1275 Tremont Pl, Denver, CO 80204 2118
18 Month Traditional Certificate of Deposit (CD)
$0
3.15% ▲ 0.05% above Colorado avg
View
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.10%▲ 0.05% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 13, 2026 · 3.15% APY
2.65%3.15%3.65%Oct 13, 2026: 3.15% APYOct 13, 2026Oct 14, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
1275 Tremont Pl, Denver, CO 80204 2118
18 Month Traditional Certificate of Deposit (CD)
$0
3.05% ▼ 0.05% below Colorado avg
View
▼
Rate3.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.10%▼ 0.05% below avgNationally 2.88%
Details

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

Rate History
No change since Oct 13, 2026 · 3.05% APY
2.55%3.05%3.55%Oct 13, 2026: 3.05% APYOct 13, 2026Oct 14, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
1275 Tremont Pl, Denver, CO 80204 2118
Traditional Certificate of Deposit (CD) - 18 Month
$0
2.95% ▼ 0.15% below Colorado avg
View
▼
Rate2.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.10%▼ 0.15% below avgNationally 2.88%
Details

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

Rate History
No change since Sep 14, 2026 · 2.95% APY · checked 5 times
2.45%2.95%3.45%Sep 14, 2026: 2.95% APYSep 14, 2026Oct 14, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
1275 Tremont Pl, Denver, CO 80204 2118
Traditional Certificate of Deposit (CD) - 18 Month
$0
2.85% ▼ 0.25% below Colorado avg
View
▼
Rate2.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.10%▼ 0.25% below avgNationally 2.88%
Details

Deposits under $25,000; Account Balance $500

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 5 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3611 E 1st Ave, Denver, CO 80206
18-Month CD
$0
2.75% ▼ 0.35% below Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.10%▼ 0.35% below avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 24, 2026: 2.75% APYSep 24, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3611 E 1st Ave, Denver, CO 80206
18-Month Term
$1,000
2.75% ▼ 0.35% below Colorado avg
View
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.10%▼ 0.35% below avgNationally 2.88%
Details

Rate History
No change since Sep 27, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 27, 2026: 2.75% APYSep 27, 2026Oct 14, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1075 S Havana St, Denver, CO 80012 2901
18 Month Certificate
$0
2.40% ▼ 0.70% below Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.10%▼ 0.70% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.40% APY · checked 2 times
1.90%2.40%2.90%Sep 14, 2026: 2.40% APYSep 14, 2026Oct 14, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1075 S Havana St, Denver, CO 80012 2901
18 Month Smart Move CD
$2,500
2.40% ▼ 0.70% below Colorado avg
View
▼
Rate2.37%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.10%▼ 0.70% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.40% APY · checked 7 times
1.90%2.40%2.90%Sep 14, 2026: 2.40% APYSep 14, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
18 Month Business Certificate of Deposit (CD)
$0
1.81% ▼ 1.29% below Colorado avg
View
▼
Rate1.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.10%▼ 1.29% below avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 1.56% → 1.81% ▲ 0.25 pts · high 1.81% / low 1.56%
1.06%1.69%2.31%Sep 14, 2026: 1.56% APYSep 28, 2026: 1.81% APYSep 14, 2026Oct 14, 2026
  • Sep 28, 20261.81%▲ from 1.56%
  • Sep 14, 20261.56%first recorded
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
18 Month CD
$100,000
1.81% ▼ 1.29% below Colorado avg
View
▼
Rate1.80%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.10%▼ 1.29% below avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 1.81% APY · checked 2 times
1.31%1.81%2.31%Oct 8, 2026: 1.81% APYOct 8, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
18 Month Certificate
$0
1.76% ▼ 1.34% below Colorado avg
View
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.10%▼ 1.34% below avgNationally 2.88%
Details

Rate History
2 changes since Sep 14, 2026 · 1.56% → 1.76% ▲ 0.20 pts · high 1.81% / low 1.56%
1.06%1.69%2.31%Sep 14, 2026: 1.56% APYSep 24, 2026: 1.81% APYOct 8, 2026: 1.76% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20261.76%▼ from 1.81%
  • Sep 24, 20261.81%▲ from 1.56%
  • Sep 14, 20261.56%first recorded
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
Business Certificate of Deposit (CD) - 18 Months
$0
1.76% ▼ 1.34% below Colorado avg
View
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.10%▼ 1.34% below avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 1.76% APY · checked 2 times
1.26%1.76%2.26%Oct 8, 2026: 1.76% APYOct 8, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
Business Certificate of Deposit (CD) - 18 Months
$0
1.71% ▼ 1.39% below Colorado avg
View
▼
Rate1.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.10%▼ 1.39% below avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 1.71% APY · checked 2 times
1.21%1.71%2.21%Oct 8, 2026: 1.71% APYOct 8, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
Certificate of Deposit (CD) - 18 Months
$0
1.71% ▼ 1.39% below Colorado avg
View
▼
Rate1.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.10%▼ 1.39% below avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 1.71% APY · checked 2 times
1.21%1.71%2.21%Oct 8, 2026: 1.71% APYOct 8, 2026Oct 14, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1600 Broadway, Denver, CO 80202
18 Month Certificate
$0
1.50% ▼ 1.60% below Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.10%▼ 1.60% below avgNationally 2.88%
Details

Under $100,000

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 14, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1600 Broadway, Denver, CO 80202
IRA CD - 18 Months
$0
1.50% ▼ 1.60% below Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.10%▼ 1.60% below avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3102 S Sheridan Blvd, Denver, CO 80227
18 Month IRA Certificates
$0
0.75% ▼ 2.35% below Colorado avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.10%▼ 2.35% below avgNationally 2.88%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 6, 2026: 0.75% APYOct 6, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3102 S Sheridan Blvd, Denver, CO 80227
18 Month Standard CD
$0
0.75% ▼ 2.35% below Colorado avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.10%▼ 2.35% below avgNationally 2.88%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 Garfield St, Denver, CO 80206
18 Month Certificate of Deposit
$0
0.03% ▼ 3.07% below Colorado avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.10%▼ 3.07% below avgNationally 2.88%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 Garfield St, Denver, CO 80206
18 Month Certificate of Deposit
$0
0.02% ▼ 3.08% below Colorado avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.10%▼ 3.08% below avgNationally 2.88%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3611 E 1st Ave, Denver, CO 80206
18 Month CD
$500
0.02% ▼ 3.08% below Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.10%▼ 3.08% below avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 7, 2026: 0.02% APYOct 7, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 Garfield St, Denver, CO 80206
18 Month Certificate of Deposit
$0
0.01% ▼ 3.09% below Colorado avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.10%▼ 3.09% below avgNationally 2.88%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
18 Month Certificate of Deposit
$1,000
4.35% ▲ 1.25% above Colorado avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.10%▲ 1.25% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 18, 2026 · 3.90% → 4.35% ▲ 0.45 pts · high 4.35% / low 3.90%
3.40%4.13%4.85%Sep 18, 2026: 3.90% APYSep 24, 2026: 4.05% APYOct 7, 2026: 4.35% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.35%▲ from 4.05%
  • Sep 24, 20264.05%▲ from 3.90%
  • Sep 18, 20263.90%first recorded
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
18 Month CD
$0
4.20% ▲ 1.10% above Colorado avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.10%▲ 1.10% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 7 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 14, 2026
Farmers State Bank of Calhan
Institution Rating:
A-4.3 ★Texas Ratio: 3.71%
18 Month Certificate Special
$500
4.10% ▲ 1.00% above Colorado avg
View
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.10%▲ 1.00% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 7, 2026: 4.10% APYOct 7, 2026Oct 14, 2026
Sunwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
18 Month Certificate
$0
4.10% ▲ 1.00% above Colorado avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.10%▲ 1.00% above avgNationally 2.88%
Details

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

Rate History
1 change since Sep 22, 2026 · 3.45% → 4.10% ▲ 0.65 pts · high 4.10% / low 3.45%
2.80%3.78%4.75%Sep 22, 2026: 3.45% APYOct 1, 2026: 4.10% APYSep 22, 2026Oct 14, 2026
  • Oct 1, 20264.10%▲ from 3.45%
  • Sep 22, 20263.45%first recorded
Yuma County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificates of Deposit
$50,000
4.08% ▲ 0.98% above Colorado avg
View
▼
Rate4.00%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.10%▲ 0.98% above avgNationally 2.88%
Details

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

Rate History
No change since Sep 25, 2026 · 4.08% APY · checked 4 times
3.58%4.08%4.58%Sep 25, 2026: 4.08% APYSep 25, 2026Oct 14, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
18 Month Certificate
$500
3.85% ▲ 0.75% above Colorado avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.10%▲ 0.75% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.05% → 3.85% ▲ 0.80 pts · high 3.85% / low 3.05%
2.25%3.45%4.65%Sep 14, 2026: 3.05% APYOct 7, 2026: 3.85% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20263.85%▲ from 3.05%
  • Sep 14, 20263.05%first recorded
Yuma County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificates of Deposit
$10,000
3.82% ▲ 0.72% above Colorado avg
View
▼
Rate3.75%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.10%▲ 0.72% above avgNationally 2.88%
Details

Minimum Deposit $10,000.00

Rate History
1 change since Sep 25, 2026 · 4.08% → 3.82% ▼ 0.26 pts · high 4.08% / low 3.82%
3.32%3.95%4.58%Sep 25, 2026: 4.08% APYOct 12, 2026: 3.82% APYSep 25, 2026Oct 14, 2026
  • Oct 12, 20263.82%▼ from 4.08%
  • Sep 25, 20264.08%first recorded
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Jumbo Certificates of Deposit & Greater - 18 Month
$0
3.80% ▲ 0.70% above Colorado avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.10%▲ 0.70% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
North Valley Bank Thornton, CO
Institution Rating:
A5.0 ★Texas Ratio: 13.05%
18 Month Fixed Rate CD
$100,000
3.80% ▲ 0.70% above Colorado avg
View
▼
Rate3.75%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.10%▲ 0.70% above avgNationally 2.88%
Details

Rate History
No change since Sep 15, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 15, 2026: 3.80% APYSep 15, 2026Oct 14, 2026
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
18 Month Certificate of Deposit
$500
3.75% ▲ 0.65% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.10%▲ 0.65% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 2.35% → 3.75% ▲ 1.40 pts · high 3.75% / low 2.35%
0.95%3.05%5.15%Sep 14, 2026: 2.35% APYOct 2, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • Oct 2, 20263.75%▲ from 2.35%
  • Sep 14, 20262.35%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month ESA EasyStart Certificate
$50
3.70% ▲ 0.60% above Colorado avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.10%▲ 0.60% above avgNationally 2.88%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 6, 2026: 3.70% APYOct 6, 2026Oct 14, 2026
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
18 Month CD
$0
3.60% ▲ 0.50% above Colorado avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.10%▲ 0.50% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 8 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
Holyoke Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
18 Month CD
$50,000
3.60% ▲ 0.50% above Colorado avg
View
▼
Rate3.55%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.10%▲ 0.50% above avgNationally 2.88%
Details

Rate History
1 change since Sep 25, 2026 · 3.44% → 3.60% ▲ 0.15 pts · high 3.60% / low 3.44%
2.94%3.52%4.10%Sep 25, 2026: 3.44% APYOct 4, 2026: 3.60% APYSep 25, 2026Oct 14, 2026
  • Oct 4, 20263.60%▲ from 3.44%
  • Sep 25, 20263.44%first recorded
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
18 Month (Variable Rate) IRA
$500
3.57% ▲ 0.47% above Colorado avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.10%▲ 0.47% above avgNationally 2.88%
Details

Variable Rate

Rate History
No change since Oct 7, 2026 · 3.57% APY · checked 2 times
3.07%3.57%4.07%Oct 7, 2026: 3.57% APYOct 7, 2026Oct 14, 2026
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
18 Month Certificate
$500
3.57% ▲ 0.47% above Colorado avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.10%▲ 0.47% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 3.57% ▲ 0.01 pts · high 3.57% / low 3.56%
3.06%3.57%4.07%Sep 14, 2026: 3.56% APYOct 7, 2026: 3.57% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20263.57%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Yuma County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificate of Deposit
$500
3.56% ▲ 0.46% above Colorado avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.10%▲ 0.46% above avgNationally 2.88%
Details

Rate History
No change since Sep 25, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Sep 25, 2026: 3.56% APYSep 25, 2026Oct 14, 2026
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
18 Month CD
$1,000
3.55% ▲ 0.45% above Colorado avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.10%▲ 0.45% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
North Valley Bank Thornton, CO
Institution Rating:
A5.0 ★Texas Ratio: 13.05%
18 Month Fixed Rate CD
$100
3.55% ▲ 0.45% above Colorado avg
View
▼
Rate3.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.10%▲ 0.45% above avgNationally 2.88%
Details

Rate History
No change since Sep 15, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 15, 2026: 3.55% APYSep 15, 2026Oct 14, 2026
Aurora Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.93%
18 Month Super Jumbo Certificates
$0
3.55% ▲ 0.45% above Colorado avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.10%▲ 0.45% above avgNationally 2.88%
Details

Penalty may be imposed for early withdrawal

Rate History
No change since Oct 5, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 5, 2026: 3.55% APYOct 5, 2026Oct 14, 2026
Holyoke Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
18 Month CD
$10,000
3.55% ▲ 0.45% above Colorado avg
View
▼
Rate3.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.10%▲ 0.45% above avgNationally 2.88%
Details

Rate History
1 change since Sep 25, 2026 · 3.39% → 3.55% ▲ 0.15 pts · high 3.55% / low 3.39%
2.89%3.47%4.05%Sep 25, 2026: 3.39% APYOct 4, 2026: 3.55% APYSep 25, 2026Oct 14, 2026
  • Oct 4, 20263.55%▲ from 3.39%
  • Sep 25, 20263.39%first recorded
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
CD 18 Month
$10,000
3.50% ▲ 0.40% above Colorado avg
View
▼
Rate3.45%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.10%▲ 0.40% above avgNationally 2.88%
Details

$10,000 Minimum

Rate History
No change since Sep 16, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 16, 2026: 3.50% APYSep 16, 2026Oct 14, 2026
Aurora Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.93%
Jumbo Certificates - 18 Month
$0
3.50% ▲ 0.40% above Colorado avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.10%▲ 0.40% above avgNationally 2.88%
Details

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

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026

Denver 24 Month CD Rates

Colorado 24 Month CD Average3.07% APYNational 2.88%▲ 0.07% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1099 18th St, Denver, CO 80202
24 Month Certificate
$50,000
4.55% ▲ 1.48% above Colorado avg
View
▼
Rate4.55%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.07%▲ 1.48% above avgNationally 2.88%
Details

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

Rate History
2 changes since Sep 14, 2026 · 4.23% → 4.55% ▲ 0.32 pts · high 4.55% / low 4.23%
3.73%4.39%5.05%Sep 14, 2026: 4.23% APYSep 24, 2026: 4.32% APYOct 7, 2026: 4.55% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20264.55%▲ from 4.32%
  • Sep 24, 20264.32%▲ from 4.23%
  • Sep 14, 20264.23%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
101 Cook St, Denver, CO 80206
24 Month CD
$500
4.40% ▲ 1.33% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.07%▲ 1.33% above avgNationally 2.88%
Details

Rate History
1 change since Oct 6, 2026 · 4.25% → 4.40% ▲ 0.15 pts · high 4.40% / low 4.25%
3.75%4.33%4.90%Oct 6, 2026: 4.25% APYOct 10, 2026: 4.40% APYOct 6, 2026Oct 14, 2026
  • Oct 10, 20264.40%▲ from 4.25%
  • Oct 6, 20264.25%first recorded
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1075 S Havana St, Denver, CO 80012 2901
24 Month Business CDs
$0
4.00% ▲ 0.93% above Colorado avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.07%▲ 0.93% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1075 S Havana St, Denver, CO 80012 2901
24 Month HSA CD
$0
4.00% ▲ 0.93% above Colorado avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.07%▲ 0.93% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1075 S Havana St, Denver, CO 80012 2901
24 Month Traditional CD
$0
4.00% ▲ 0.93% above Colorado avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.07%▲ 0.93% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1075 Acoma St, Denver, CO 80204 4326
24 Months CD
$0
4.00% ▲ 0.93% above Colorado avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.07%▲ 0.93% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.40% → 4.00% ▲ 0.60 pts · high 4.00% / low 3.40%
2.80%3.70%4.60%Sep 14, 2026: 3.40% APYOct 10, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.00%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2001 Lincoln St Ste 100, Denver, CO 80202 3802
24 Month CDs & IRA Certificates of Deposit
$0
3.95% ▲ 0.88% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.07%▲ 0.88% above avgNationally 2.88%
Details

Balance: $100,000 +

Rate History
1 change since Sep 18, 2026 · 3.65% → 3.95% ▲ 0.30 pts · high 3.95% / low 3.65%
3.15%3.80%4.45%Sep 18, 2026: 3.65% APYOct 10, 2026: 3.95% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20263.95%▲ from 3.65%
  • Sep 18, 20263.65%first recorded
Wings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
1499 Wynkoop St Ste 100, Denver, CO 80202 5557
24 Month Standard CD
$0
3.90% ▲ 0.83% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.07%▲ 0.83% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2001 Lincoln St Ste 100, Denver, CO 80202 3802
24 Month CDs & IRA Certificates of Deposit
$0
3.85% ▲ 0.78% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.07%▲ 0.78% above avgNationally 2.88%
Details

Balance: $500-$99,999.99

Rate History
1 change since Sep 18, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55%
3.05%3.70%4.35%Sep 18, 2026: 3.55% APYOct 10, 2026: 3.85% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20263.85%▲ from 3.55%
  • Sep 18, 20263.55%first recorded
Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
12 Lakeside Ln, Denver, CO 80212 7413
24 Month Share/IRA/HSA Certificates
$0
3.82% ▲ 0.75% above Colorado avg
View
▼
Rate3.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.07%▲ 0.75% above avgNationally 2.88%
Details

Rate History
1 change since Sep 25, 2026 · 3.65% → 3.82% ▲ 0.17 pts · high 3.82% / low 3.65%
3.15%3.74%4.32%Sep 25, 2026: 3.65% APYOct 12, 2026: 3.82% APYSep 25, 2026Oct 14, 2026
  • Oct 12, 20263.82%▲ from 3.65%
  • Sep 25, 20263.65%first recorded
Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
12 Lakeside Ln, Denver, CO 80212 7413
Share/IRA/HSA Certificates - 24 months
$500
3.82% ▲ 0.75% above Colorado avg
View
▼
Rate3.76%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.07%▲ 0.75% above avgNationally 2.88%
Details

$500 Minimum

Rate History
No change since Oct 8, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 8, 2026: 3.82% APYOct 8, 2026Oct 14, 2026
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
4000 Quebec St, Denver, CO 80216 6619
Consumer and Business Regular and IRA Certificates of Deposit (CDs) - 24 Months
$500
3.75% ▲ 0.68% above Colorado avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.07%▲ 0.68% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 14, 2026
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
850 E Harvard Ave Ste G 45, Denver, CO 80210
2 Year Jumbo Share Certificates
$0
3.65% ▲ 0.58% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.07%▲ 0.58% above avgNationally 2.88%
Details

Minimum Balance to Earn Dividends: $100,000.00

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 14, 2026: 3.50% APYSep 25, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
  • Sep 25, 20263.65%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
850 E Harvard Ave Ste G 45, Denver, CO 80210
Jumbo Share Certificates - 2 Years
$0
3.65% ▲ 0.58% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.07%▲ 0.58% above avgNationally 2.88%
Details

Rate History
No change since Oct 5, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Oct 5, 2026: 3.65% APYOct 5, 2026Oct 14, 2026
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
4545 E 51st Ave, Denver, CO 80216
24 Month Certificate of Deposit
$100,000
3.60% ▲ 0.53% above Colorado avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.07%▲ 0.53% above avgNationally 2.88%
Details

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

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 14, 2026
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
850 E Harvard Ave Ste G 45, Denver, CO 80210
Regular IRA Share Certificates - 2 Years
$0
3.55% ▲ 0.48% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.07%▲ 0.48% above avgNationally 2.88%
Details

Balance: $1,000.00-$99,999.99

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.55% ▲ 0.15 pts · high 3.55% / low 3.40%
2.90%3.47%4.05%Sep 14, 2026: 3.40% APYOct 5, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20263.55%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
7800 Smith Rd, Denver, CO 80207
24-Month Certificate of Deposit
$500
3.51% ▲ 0.44% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.07%▲ 0.44% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.10% → 3.51% ▲ 0.41 pts · high 3.51% / low 3.10%
2.60%3.30%4.01%Sep 18, 2026: 3.10% APYOct 2, 2026: 3.51% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20263.51%▲ from 3.10%
  • Sep 18, 20263.10%first recorded
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
4545 E 51st Ave, Denver, CO 80216
24 Month Certificate of Deposit
$500
3.50% ▲ 0.43% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.07%▲ 0.43% above avgNationally 2.88%
Details

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

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 14, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1075 S Havana St, Denver, CO 80012 2901
24 Month Smart Move CD
$2,500
3.40% ▲ 0.33% above Colorado avg
View
▼
Rate3.35%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.07%▲ 0.33% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 7 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 14, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3033 E 1st Ave, Denver, CO 80206
24 Month Certificate
$1,000
3.35% ▲ 0.28% above Colorado avg
View
▼
Rate3.31%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.07%▲ 0.28% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 7, 2026: 3.35% APYOct 7, 2026Oct 14, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3033 E 1st Ave, Denver, CO 80206
Business 24 Month Certificate
$1,000
3.35% ▲ 0.28% above Colorado avg
View
▼
Rate3.31%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.07%▲ 0.28% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 7, 2026: 3.35% APYOct 7, 2026Oct 14, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
1275 Tremont Pl, Denver, CO 80204 2118
2 Year Traditional Certificate of Deposit (CD)
$0
3.35% ▲ 0.28% above Colorado avg
View
▼
Rate3.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.07%▲ 0.28% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 13, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 13, 2026: 3.35% APYOct 13, 2026Oct 14, 2026
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
900 AURARIA PKWY UNIT 263, DENVER, CO 80204 5800
Traditional Certificate - 24 Month
$0
3.35% ▲ 0.28% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.07%▲ 0.28% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 13, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 13, 2026: 3.35% APYOct 13, 2026Oct 14, 2026
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
900 AURARIA PKWY UNIT 263, DENVER, CO 80204 5800
Traditional IRA 24 Month Certificate
$0
3.35% ▲ 0.28% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.07%▲ 0.28% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 13, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 13, 2026: 3.35% APYOct 13, 2026Oct 14, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
1275 Tremont Pl, Denver, CO 80204 2118
2 Year Traditional Certificate of Deposit (CD)
$0
3.25% ▲ 0.18% above Colorado avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.07%▲ 0.18% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 13, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 13, 2026: 3.25% APYOct 13, 2026Oct 14, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
1275 Tremont Pl, Denver, CO 80204 2118
Traditional Certificate of Deposit (CD) - 2 Year
$0
3.15% ▲ 0.08% above Colorado avg
View
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.07%▲ 0.08% above avgNationally 2.88%
Details

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

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 5 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 14, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
1275 Tremont Pl, Denver, CO 80204 2118
Traditional Certificate of Deposit (CD) - 2 Year
$0
3.05% ▼ 0.02% below Colorado avg
View
▼
Rate3.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.07%▼ 0.02% below avgNationally 2.88%
Details

Deposits under $25,000; Account Balance $500

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 5 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Oct 14, 2026
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
900 AURARIA PKWY UNIT 263, DENVER, CO 80204 5800
24 Month Term Starter Certificate
$0
3.00% ▼ 0.07% below Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.07%▼ 0.07% below avgNationally 2.88%
Details

Starter Certificates - Add On Options; Early withdrawal penalties may apply

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
1601 Wewatta St Ste 300, Denver, CO 80202 6478
24-Month Certificate
$0
2.90% ▼ 0.17% below Colorado avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.07%▼ 0.17% below avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 2.90% APY · checked 5 times
2.40%2.90%3.40%Sep 18, 2026: 2.90% APYSep 18, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
24 Month Business Certificate of Deposit (CD)
$0
1.71% ▼ 1.36% below Colorado avg
View
▼
Rate1.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.07%▼ 1.36% below avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 1.46% → 1.71% ▲ 0.25 pts · high 1.71% / low 1.46%
0.96%1.58%2.21%Sep 14, 2026: 1.46% APYSep 28, 2026: 1.71% APYSep 14, 2026Oct 14, 2026
  • Sep 28, 20261.71%▲ from 1.46%
  • Sep 14, 20261.46%first recorded
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
24 Month CD
$100,000
1.71% ▼ 1.36% below Colorado avg
View
▼
Rate1.70%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.07%▼ 1.36% below avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 1.71% APY · checked 2 times
1.21%1.71%2.21%Oct 8, 2026: 1.71% APYOct 8, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
24 Month Certificate
$0
1.66% ▼ 1.41% below Colorado avg
View
▼
Rate1.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.07%▼ 1.41% below avgNationally 2.88%
Details

Rate History
2 changes since Sep 14, 2026 · 1.46% → 1.66% ▲ 0.20 pts · high 1.71% / low 1.46%
0.96%1.58%2.21%Sep 14, 2026: 1.46% APYSep 24, 2026: 1.71% APYOct 8, 2026: 1.66% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20261.66%▼ from 1.71%
  • Sep 24, 20261.71%▲ from 1.46%
  • Sep 14, 20261.46%first recorded
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
Business Certificate of Deposit (CD) - 24 Months
$0
1.66% ▼ 1.41% below Colorado avg
View
▼
Rate1.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.07%▼ 1.41% below avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 1.66% APY · checked 2 times
1.16%1.66%2.16%Oct 8, 2026: 1.66% APYOct 8, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
Business Certificate of Deposit (CD) - 24 Months
$0
1.61% ▼ 1.46% below Colorado avg
View
▼
Rate1.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.07%▼ 1.46% below avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 1.61% APY · checked 2 times
1.11%1.61%2.11%Oct 8, 2026: 1.61% APYOct 8, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
Certificate of Deposit (CD) - 24 Months
$0
1.61% ▼ 1.46% below Colorado avg
View
▼
Rate1.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.07%▼ 1.46% below avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 1.61% APY · checked 2 times
1.11%1.61%2.11%Oct 8, 2026: 1.61% APYOct 8, 2026Oct 14, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
3700 E Alameda Ave, Denver, CO 80209
24 Month Business Certificates of Deposit (CDs)
$0
1.55% ▼ 1.52% below Colorado avg
View
▼
Rate1.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.07%▼ 1.52% below avgNationally 2.88%
Details

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

Rate History
No change since Sep 14, 2026 · 1.55% APY · checked 6 times
1.05%1.55%2.05%Sep 14, 2026: 1.55% APYSep 14, 2026Oct 14, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
3700 E Alameda Ave, Denver, CO 80209
24 Month Certificates of Deposit (CDs)
$0
1.55% ▼ 1.52% below Colorado avg
View
▼
Rate1.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.07%▼ 1.52% below avgNationally 2.88%
Details

Certificates of Deposit (CDs) minimum balance $500

Rate History
No change since Sep 14, 2026 · 1.55% APY · checked 6 times
1.05%1.55%2.05%Sep 14, 2026: 1.55% APYSep 14, 2026Oct 14, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
3700 E Alameda Ave, Denver, CO 80209
Individual Retirement Account (IRA) CDs - 24 Month
$0
1.55% ▼ 1.52% below Colorado avg
View
▼
Rate1.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.07%▼ 1.52% below avgNationally 2.88%
Details

Rate History
No change since Sep 22, 2026 · 1.55% APY · checked 3 times
1.05%1.55%2.05%Sep 22, 2026: 1.55% APYSep 22, 2026Oct 14, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
3700 E Alameda Ave, Denver, CO 80209
Jumbo Certificates of Deposit (CDs) - 24 Month
$0
1.55% ▼ 1.52% below Colorado avg
View
▼
Rate1.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.07%▼ 1.52% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 1.55% APY · checked 3 times
1.05%1.55%2.05%Sep 14, 2026: 1.55% APYSep 14, 2026Oct 14, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1600 Broadway, Denver, CO 80202
2 Year Certificate
$0
1.50% ▼ 1.57% below Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.07%▼ 1.57% below avgNationally 2.88%
Details

Under $100,000

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 14, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1600 Broadway, Denver, CO 80202
IRA CD - 2 Years
$0
1.50% ▼ 1.57% below Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.07%▼ 1.57% below avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3102 S Sheridan Blvd, Denver, CO 80227
24 Month IRA Certificates
$0
0.75% ▼ 2.32% below Colorado avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.07%▼ 2.32% below avgNationally 2.88%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 6, 2026: 0.75% APYOct 6, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3102 S Sheridan Blvd, Denver, CO 80227
24 Month Standard CD
$0
0.75% ▼ 2.32% below Colorado avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.07%▼ 2.32% below avgNationally 2.88%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3611 E 1st Ave, Denver, CO 80206
2-Year CD
$0
0.40% ▼ 2.67% below Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.07%▼ 2.67% below avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 0.40% APY · checked 5 times
0.00%0.45%0.90%Sep 24, 2026: 0.40% APYSep 24, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3611 E 1st Ave, Denver, CO 80206
2-Year Term
$1,000
0.40% ▼ 2.67% below Colorado avg
View
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.07%▼ 2.67% below avgNationally 2.88%
Details

Rate History
No change since Sep 27, 2026 · 0.40% APY · checked 4 times
0.00%0.45%0.90%Sep 27, 2026: 0.40% APYSep 27, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3611 E 1st Ave, Denver, CO 80206
2-Year RampUp Plus
$25,000
0.25% ▼ 2.82% below Colorado avg
View
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.07%▼ 2.82% below avgNationally 2.88%
Details

Rate History
No change since Sep 27, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 27, 2026: 0.25% APYSep 27, 2026Oct 14, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3611 E 1st Ave, Denver, CO 80206
2 Year CD
$500
0.05% ▼ 3.02% below Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.07%▼ 3.02% below avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 Garfield St, Denver, CO 80206
24 Month Certificate of Deposit
$0
0.03% ▼ 3.04% below Colorado avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.07%▼ 3.04% below avgNationally 2.88%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 Garfield St, Denver, CO 80206
24 Month Certificate of Deposit
$0
0.02% ▼ 3.05% below Colorado avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.07%▼ 3.05% below avgNationally 2.88%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 Garfield St, Denver, CO 80206
24 Month Certificate of Deposit
$0
0.01% ▼ 3.06% below Colorado avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.07%▼ 3.06% below avgNationally 2.88%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026

Denver 36 Month CD Rates

Colorado 36 Month CD Average3.05% APYNational 2.81%▲ 0.06% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1099 18th St, Denver, CO 80202
36 Month Certificate
$50,000
4.50% ▲ 1.45% above Colorado avg
View
▼
Rate4.50%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.05%▲ 1.45% above avgNationally 2.81%
Details

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

Rate History
2 changes since Sep 14, 2026 · 4.13% → 4.50% ▲ 0.37 pts · high 4.50% / low 4.13%
3.63%4.31%5.00%Sep 14, 2026: 4.13% APYSep 24, 2026: 4.25% APYOct 7, 2026: 4.50% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20264.50%▲ from 4.25%
  • Sep 24, 20264.25%▲ from 4.13%
  • Sep 14, 20264.13%first recorded
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1075 Acoma St, Denver, CO 80204 4326
36 Months CD
$0
4.30% ▲ 1.25% above Colorado avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.05%▲ 1.25% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.30% ▲ 0.65 pts · high 4.30% / low 3.65%
3.00%3.97%4.95%Sep 14, 2026: 3.65% APYOct 10, 2026: 4.30% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.30%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1075 S Havana St, Denver, CO 80012 2901
36 Month Business CDs
$0
4.05% ▲ 1.00% above Colorado avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.05%▲ 1.00% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 7 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 14, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1075 S Havana St, Denver, CO 80012 2901
36 Month HSA CD
$0
4.05% ▲ 1.00% above Colorado avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.05%▲ 1.00% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 7 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 14, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1075 S Havana St, Denver, CO 80012 2901
36 Month Traditional CD
$0
4.05% ▲ 1.00% above Colorado avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.05%▲ 1.00% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 7 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 14, 2026
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1075 Acoma St, Denver, CO 80204 4326
36 Months CD
$0
4.05% ▲ 1.00% above Colorado avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.05%▲ 1.00% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.05% ▲ 0.40 pts · high 4.05% / low 3.65%
3.15%3.85%4.55%Sep 14, 2026: 3.65% APYOct 10, 2026: 4.05% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.05%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2001 Lincoln St Ste 100, Denver, CO 80202 3802
36 Month CDs & IRA Certificates of Deposit
$0
4.00% ▲ 0.95% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.05%▲ 0.95% above avgNationally 2.81%
Details

Balance: $100,000 +

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 18, 2026: 3.75% APYOct 10, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20264.00%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
12 Lakeside Ln, Denver, CO 80212 7413
36 Month Share/IRA/HSA Certificates
$0
3.90% ▲ 0.85% above Colorado avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.05%▲ 0.85% above avgNationally 2.81%
Details

Rate History
1 change since Sep 25, 2026 · 3.65% → 3.90% ▲ 0.25 pts · high 3.90% / low 3.65%
3.15%3.78%4.40%Sep 25, 2026: 3.65% APYOct 12, 2026: 3.90% APYSep 25, 2026Oct 14, 2026
  • Oct 12, 20263.90%▲ from 3.65%
  • Sep 25, 20263.65%first recorded
Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
12 Lakeside Ln, Denver, CO 80212 7413
Share/IRA/HSA Certificates - 36 months
$500
3.90% ▲ 0.85% above Colorado avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.05%▲ 0.85% above avgNationally 2.81%
Details

$500 Minimum

Rate History
No change since Oct 8, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 8, 2026: 3.90% APYOct 8, 2026Oct 14, 2026
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2001 Lincoln St Ste 100, Denver, CO 80202 3802
36 Month CDs & IRA Certificates of Deposit
$0
3.90% ▲ 0.85% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.05%▲ 0.85% above avgNationally 2.81%
Details

Balance: $500-$99,999.99

Rate History
1 change since Sep 18, 2026 · 3.65% → 3.90% ▲ 0.25 pts · high 3.90% / low 3.65%
3.15%3.78%4.40%Sep 18, 2026: 3.65% APYOct 10, 2026: 3.90% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20263.90%▲ from 3.65%
  • Sep 18, 20263.65%first recorded
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
4000 Quebec St, Denver, CO 80216 6619
Consumer and Business Regular and IRA Certificates of Deposit (CDs) - 36 Months
$500
3.85% ▲ 0.80% above Colorado avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.05%▲ 0.80% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 13, 2026: 3.85% APYOct 13, 2026Oct 14, 2026
Wings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
1499 Wynkoop St Ste 100, Denver, CO 80202 5557
24 - 36 Month Flex CD
$1,000
3.75% ▲ 0.70% above Colorado avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.05%▲ 0.70% above avgNationally 2.81%
Details

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

Rate History
1 change since Sep 18, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65%
3.15%3.70%4.25%Sep 18, 2026: 3.65% APYOct 10, 2026: 3.75% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20263.75%▲ from 3.65%
  • Sep 18, 20263.65%first recorded
Wings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
1499 Wynkoop St Ste 100, Denver, CO 80202 5557
36 Month Flex Certificate
$0
3.75% ▲ 0.70% above Colorado avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.05%▲ 0.70% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
850 E Harvard Ave Ste G 45, Denver, CO 80210
3 Year Jumbo Share Certificates
$0
3.65% ▲ 0.60% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.05%▲ 0.60% above avgNationally 2.81%
Details

Minimum Balance to Earn Dividends: $100,000.00

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 14, 2026: 3.50% APYSep 25, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
  • Sep 25, 20263.65%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
850 E Harvard Ave Ste G 45, Denver, CO 80210
Jumbo Share Certificates - 3 Years
$0
3.65% ▲ 0.60% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.05%▲ 0.60% above avgNationally 2.81%
Details

Rate History
No change since Oct 5, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Oct 5, 2026: 3.65% APYOct 5, 2026Oct 14, 2026
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
7800 Smith Rd, Denver, CO 80207
36-Month Certificate of Deposit
$500
3.51% ▲ 0.46% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.05%▲ 0.46% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.03% → 3.51% ▲ 0.48 pts · high 3.51% / low 3.03%
2.53%3.27%4.01%Sep 18, 2026: 3.03% APYOct 2, 2026: 3.51% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20263.51%▲ from 3.03%
  • Sep 18, 20263.03%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
101 Cook St, Denver, CO 80206
36 Month CD
$500
3.50% ▲ 0.45% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.05%▲ 0.45% above avgNationally 2.81%
Details

Rate History
No change since Oct 6, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 6, 2026: 3.50% APYOct 6, 2026Oct 14, 2026
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
850 E Harvard Ave Ste G 45, Denver, CO 80210
Regular IRA Share Certificates - 3 Years
$0
3.45% ▲ 0.40% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.05%▲ 0.40% above avgNationally 2.81%
Details

Balance: $1,000.00-$99,999.99

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.45% ▲ 0.15 pts · high 3.45% / low 3.30%
2.80%3.38%3.95%Sep 14, 2026: 3.30% APYOct 5, 2026: 3.45% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20263.45%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3033 E 1st Ave, Denver, CO 80206
36 Month Certificate
$1,000
3.40% ▲ 0.35% above Colorado avg
View
▼
Rate3.36%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.05%▲ 0.35% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 7, 2026: 3.40% APYOct 7, 2026Oct 14, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3033 E 1st Ave, Denver, CO 80206
Business 36 Month Certificate
$1,000
3.40% ▲ 0.35% above Colorado avg
View
▼
Rate3.36%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.05%▲ 0.35% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 7, 2026: 3.40% APYOct 7, 2026Oct 14, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
1275 Tremont Pl, Denver, CO 80204 2118
3 Year Traditional Certificate of Deposit (CD)
$0
3.40% ▲ 0.35% above Colorado avg
View
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.05%▲ 0.35% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 13, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 14, 2026
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
4545 E 51st Ave, Denver, CO 80216
36 Month Certificate of Deposit
$100,000
3.40% ▲ 0.35% above Colorado avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.05%▲ 0.35% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 14, 2026
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
900 AURARIA PKWY UNIT 263, DENVER, CO 80204 5800
Traditional Certificate - 36 Month
$0
3.40% ▲ 0.35% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.05%▲ 0.35% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 13, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 14, 2026
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
900 AURARIA PKWY UNIT 263, DENVER, CO 80204 5800
Traditional IRA 36 Month Certificate
$0
3.40% ▲ 0.35% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.05%▲ 0.35% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 13, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 14, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
1275 Tremont Pl, Denver, CO 80204 2118
3 Year Traditional Certificate of Deposit (CD)
$0
3.30% ▲ 0.25% above Colorado avg
View
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.05%▲ 0.25% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 14, 2026
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
4545 E 51st Ave, Denver, CO 80216
36 Month Certificate of Deposit
$500
3.30% ▲ 0.25% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.05%▲ 0.25% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Oct 14, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
1275 Tremont Pl, Denver, CO 80204 2118
Traditional Certificate of Deposit (CD) - 3 Year
$0
3.20% ▲ 0.15% above Colorado avg
View
▼
Rate3.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.05%▲ 0.15% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 5 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Oct 14, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1075 S Havana St, Denver, CO 80012 2901
36 Month Smart Move CD
$2,500
3.15% ▲ 0.10% above Colorado avg
View
▼
Rate3.11%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.05%▲ 0.10% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 7 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 14, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
1275 Tremont Pl, Denver, CO 80204 2118
Traditional Certificate of Deposit (CD) - 3 Year
$0
3.10% ▲ 0.05% above Colorado avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.05%▲ 0.05% above avgNationally 2.81%
Details

Deposits under $25,000; Account Balance $500

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 5 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 14, 2026
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
1601 Wewatta St Ste 300, Denver, CO 80202 6478
36-Month Certificate
$0
2.90% ▼ 0.15% below Colorado avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.05%▼ 0.15% below avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 2.90% APY · checked 5 times
2.40%2.90%3.40%Sep 18, 2026: 2.90% APYSep 18, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
36 Month Business Certificate of Deposit (CD)
$0
1.61% ▼ 1.44% below Colorado avg
View
▼
Rate1.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.05%▼ 1.44% below avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 1.36% → 1.61% ▲ 0.25 pts · high 1.61% / low 1.36%
0.86%1.48%2.11%Sep 14, 2026: 1.36% APYSep 28, 2026: 1.61% APYSep 14, 2026Oct 14, 2026
  • Sep 28, 20261.61%▲ from 1.36%
  • Sep 14, 20261.36%first recorded
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
36 Month CD
$100,000
1.61% ▼ 1.44% below Colorado avg
View
▼
Rate1.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.05%▼ 1.44% below avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 1.61% APY · checked 2 times
1.11%1.61%2.11%Oct 8, 2026: 1.61% APYOct 8, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
36 Month Certificate
$0
1.56% ▼ 1.49% below Colorado avg
View
▼
Rate1.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.05%▼ 1.49% below avgNationally 2.81%
Details

Rate History
2 changes since Sep 14, 2026 · 1.36% → 1.56% ▲ 0.20 pts · high 1.61% / low 1.36%
0.86%1.48%2.11%Sep 14, 2026: 1.36% APYSep 24, 2026: 1.61% APYOct 8, 2026: 1.56% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20261.56%▼ from 1.61%
  • Sep 24, 20261.61%▲ from 1.36%
  • Sep 14, 20261.36%first recorded
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
Business Certificate of Deposit (CD) - 36 Months
$0
1.56% ▼ 1.49% below Colorado avg
View
▼
Rate1.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.05%▼ 1.49% below avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 1.56% APY · checked 2 times
1.06%1.56%2.06%Oct 8, 2026: 1.56% APYOct 8, 2026Oct 14, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
3700 E Alameda Ave, Denver, CO 80209
36 Month Business Certificates of Deposit (CDs)
$0
1.55% ▼ 1.50% below Colorado avg
View
▼
Rate1.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.05%▼ 1.50% below avgNationally 2.81%
Details

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

Rate History
No change since Sep 14, 2026 · 1.55% APY · checked 6 times
1.05%1.55%2.05%Sep 14, 2026: 1.55% APYSep 14, 2026Oct 14, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
3700 E Alameda Ave, Denver, CO 80209
36 Month Certificates of Deposit (CDs)
$0
1.55% ▼ 1.50% below Colorado avg
View
▼
Rate1.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.05%▼ 1.50% below avgNationally 2.81%
Details

Certificates of Deposit (CDs) minimum balance $500

Rate History
No change since Sep 14, 2026 · 1.55% APY · checked 6 times
1.05%1.55%2.05%Sep 14, 2026: 1.55% APYSep 14, 2026Oct 14, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
3700 E Alameda Ave, Denver, CO 80209
Individual Retirement Account (IRA) CDs - 36 Month
$0
1.55% ▼ 1.50% below Colorado avg
View
▼
Rate1.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.05%▼ 1.50% below avgNationally 2.81%
Details

Rate History
No change since Sep 22, 2026 · 1.55% APY · checked 3 times
1.05%1.55%2.05%Sep 22, 2026: 1.55% APYSep 22, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
Business Certificate of Deposit (CD) - 36 Months
$0
1.51% ▼ 1.54% below Colorado avg
View
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.05%▼ 1.54% below avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 1.51% APY · checked 2 times
1.01%1.51%2.01%Oct 8, 2026: 1.51% APYOct 8, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
Certificate of Deposit (CD) - 36 Months
$0
1.51% ▼ 1.54% below Colorado avg
View
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.05%▼ 1.54% below avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 1.51% APY · checked 2 times
1.01%1.51%2.01%Oct 8, 2026: 1.51% APYOct 8, 2026Oct 14, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1600 Broadway, Denver, CO 80202
3 Year Certificate
$0
1.50% ▼ 1.55% below Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.05%▼ 1.55% below avgNationally 2.81%
Details

Under $100,000

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 14, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1600 Broadway, Denver, CO 80202
IRA CD - 3 Years
$0
1.50% ▼ 1.55% below Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.05%▼ 1.55% below avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3102 S Sheridan Blvd, Denver, CO 80227
36 Month IRA Certificates
$0
0.75% ▼ 2.30% below Colorado avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.05%▼ 2.30% below avgNationally 2.81%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 6, 2026: 0.75% APYOct 6, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3102 S Sheridan Blvd, Denver, CO 80227
36 Month Standard CD
$0
0.75% ▼ 2.30% below Colorado avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.05%▼ 2.30% below avgNationally 2.81%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3611 E 1st Ave, Denver, CO 80206
3-Year CD
$0
0.40% ▼ 2.65% below Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.05%▼ 2.65% below avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 0.40% APY · checked 5 times
0.00%0.45%0.90%Sep 24, 2026: 0.40% APYSep 24, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3611 E 1st Ave, Denver, CO 80206
3-Year Term
$1,000
0.40% ▼ 2.65% below Colorado avg
View
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.05%▼ 2.65% below avgNationally 2.81%
Details

Rate History
No change since Sep 27, 2026 · 0.40% APY · checked 4 times
0.00%0.45%0.90%Sep 27, 2026: 0.40% APYSep 27, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3611 E 1st Ave, Denver, CO 80206
3-Year RampUp
$25,000
0.25% ▼ 2.80% below Colorado avg
View
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.05%▼ 2.80% below avgNationally 2.81%
Details

Rate History
No change since Sep 27, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 27, 2026: 0.25% APYSep 27, 2026Oct 14, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3611 E 1st Ave, Denver, CO 80206
3 Year CD
$500
0.05% ▼ 3.00% below Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.05%▼ 3.00% below avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 Garfield St, Denver, CO 80206
36 Month Certificate of Deposit
$0
0.03% ▼ 3.02% below Colorado avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.05%▼ 3.02% below avgNationally 2.81%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 Garfield St, Denver, CO 80206
36 Month Certificate of Deposit
$0
0.02% ▼ 3.03% below Colorado avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.05%▼ 3.03% below avgNationally 2.81%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 Garfield St, Denver, CO 80206
36 Month Certificate of Deposit
$0
0.01% ▼ 3.04% below Colorado avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.05%▼ 3.04% below avgNationally 2.81%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026

Denver 48 Month CD Rates

Colorado 48 Month CD Average2.94% APYNational 2.80%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1075 Acoma St, Denver, CO 80204 4326
48 Months CD
$0
4.35% ▲ 1.41% above Colorado avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average2.94%▲ 1.41% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.35% ▲ 0.65 pts · high 4.35% / low 3.70%
3.05%4.03%5.00%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.35% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.35%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1099 18th St, Denver, CO 80202
48 Month Certificate
$50,000
4.31% ▲ 1.37% above Colorado avg
View
▼
Rate4.31%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average2.94%▲ 1.37% above avgNationally 2.80%
Details

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

Rate History
2 changes since Sep 14, 2026 · 3.98% → 4.31% ▲ 0.33 pts · high 4.31% / low 3.98%
3.48%4.15%4.81%Sep 14, 2026: 3.98% APYSep 24, 2026: 4.18% APYOct 7, 2026: 4.31% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20264.31%▲ from 4.18%
  • Sep 24, 20264.18%▲ from 3.98%
  • Sep 14, 20263.98%first recorded
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2001 Lincoln St Ste 100, Denver, CO 80202 3802
48 Month CDs & IRA Certificates of Deposit
$0
4.10% ▲ 1.16% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average2.94%▲ 1.16% above avgNationally 2.80%
Details

Balance: $100,000 +

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 18, 2026: 3.85% APYOct 10, 2026: 4.10% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20264.10%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1075 Acoma St, Denver, CO 80204 4326
48 Months CD
$0
4.10% ▲ 1.16% above Colorado avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average2.94%▲ 1.16% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2001 Lincoln St Ste 100, Denver, CO 80202 3802
48 Month CDs & IRA Certificates of Deposit
$0
4.00% ▲ 1.06% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average2.94%▲ 1.06% above avgNationally 2.80%
Details

Balance: $500-$99,999.99

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 18, 2026: 3.75% APYOct 10, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20264.00%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
4000 Quebec St, Denver, CO 80216 6619
Consumer and Business Regular and IRA Certificates of Deposit (CDs) - 48 Months
$500
3.95% ▲ 1.01% above Colorado avg
View
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▲ 1.01% above avgNationally 2.80%
Details

Rate History
No change since Oct 13, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 13, 2026: 3.95% APYOct 13, 2026Oct 14, 2026
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
850 E Harvard Ave Ste G 45, Denver, CO 80210
4 Year Jumbo Share Certificates
$0
3.65% ▲ 0.71% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▲ 0.71% above avgNationally 2.80%
Details

Minimum Balance to Earn Dividends: $100,000.00

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 14, 2026: 3.50% APYSep 25, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
  • Sep 25, 20263.65%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
850 E Harvard Ave Ste G 45, Denver, CO 80210
Jumbo Share Certificates - 4 Years
$0
3.65% ▲ 0.71% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▲ 0.71% above avgNationally 2.80%
Details

Rate History
No change since Oct 5, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Oct 5, 2026: 3.65% APYOct 5, 2026Oct 14, 2026
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
7800 Smith Rd, Denver, CO 80207
48-Month Certificate of Deposit
$500
3.51% ▲ 0.57% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average2.94%▲ 0.57% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 3.03% → 3.51% ▲ 0.48 pts · high 3.51% / low 3.03%
2.53%3.27%4.01%Sep 18, 2026: 3.03% APYOct 2, 2026: 3.51% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20263.51%▲ from 3.03%
  • Sep 18, 20263.03%first recorded
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3033 E 1st Ave, Denver, CO 80206
48 Month Certificate
$1,000
3.45% ▲ 0.51% above Colorado avg
View
▼
Rate3.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average2.94%▲ 0.51% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Oct 7, 2026: 3.45% APYOct 7, 2026Oct 14, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3033 E 1st Ave, Denver, CO 80206
Business 48 Month Certificate
$1,000
3.45% ▲ 0.51% above Colorado avg
View
▼
Rate3.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average2.94%▲ 0.51% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Oct 7, 2026: 3.45% APYOct 7, 2026Oct 14, 2026
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
850 E Harvard Ave Ste G 45, Denver, CO 80210
Regular IRA Share Certificates - 4 Years
$0
3.45% ▲ 0.51% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▲ 0.51% above avgNationally 2.80%
Details

Balance: $1,000.00-$99,999.99

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.45% ▲ 0.15 pts · high 3.45% / low 3.30%
2.80%3.38%3.95%Sep 14, 2026: 3.30% APYOct 5, 2026: 3.45% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20263.45%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
900 AURARIA PKWY UNIT 263, DENVER, CO 80204 5800
Traditional Certificate - 48 Month
$0
3.45% ▲ 0.51% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▲ 0.51% above avgNationally 2.80%
Details

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

Rate History
No change since Oct 13, 2026 · 3.45% APY
2.95%3.45%3.95%Oct 13, 2026: 3.45% APYOct 13, 2026Oct 14, 2026
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
900 AURARIA PKWY UNIT 263, DENVER, CO 80204 5800
Traditional IRA 48 Month Certificate
$0
3.45% ▲ 0.51% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▲ 0.51% above avgNationally 2.80%
Details

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

Rate History
No change since Oct 13, 2026 · 3.45% APY
2.95%3.45%3.95%Oct 13, 2026: 3.45% APYOct 13, 2026Oct 14, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
1275 Tremont Pl, Denver, CO 80204 2118
4 Year Traditional Certificate of Deposit (CD)
$0
3.40% ▲ 0.46% above Colorado avg
View
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▲ 0.46% above avgNationally 2.80%
Details

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

Rate History
No change since Oct 13, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 14, 2026
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
4545 E 51st Ave, Denver, CO 80216
48 Month Certificate of Deposit
$100,000
3.40% ▲ 0.46% above Colorado avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▲ 0.46% above avgNationally 2.80%
Details

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

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 14, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
1275 Tremont Pl, Denver, CO 80204 2118
4 Year Traditional Certificate of Deposit (CD)
$0
3.30% ▲ 0.36% above Colorado avg
View
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▲ 0.36% above avgNationally 2.80%
Details

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

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 14, 2026
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
4545 E 51st Ave, Denver, CO 80216
48 Month Certificate of Deposit
$500
3.30% ▲ 0.36% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▲ 0.36% above avgNationally 2.80%
Details

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

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Oct 14, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
1275 Tremont Pl, Denver, CO 80204 2118
Traditional Certificate of Deposit (CD) - 4 Year
$0
3.20% ▲ 0.26% above Colorado avg
View
▼
Rate3.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▲ 0.26% above avgNationally 2.80%
Details

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

Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 5 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Oct 14, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
1275 Tremont Pl, Denver, CO 80204 2118
Traditional Certificate of Deposit (CD) - 4 Year
$0
3.10% ▲ 0.16% above Colorado avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▲ 0.16% above avgNationally 2.80%
Details

Deposits under $25,000; Account Balance $500

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 5 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 14, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
101 Cook St, Denver, CO 80206
48 Month CD
$500
2.75% ▼ 0.19% below Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average2.94%▼ 0.19% below avgNationally 2.80%
Details

Rate History
No change since Oct 6, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 6, 2026: 2.75% APYOct 6, 2026Oct 14, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
3700 E Alameda Ave, Denver, CO 80209
48 Month Business Certificates of Deposit (CDs)
$0
1.60% ▼ 1.34% below Colorado avg
View
▼
Rate1.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▼ 1.34% below avgNationally 2.80%
Details

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

Rate History
No change since Sep 14, 2026 · 1.60% APY · checked 6 times
1.10%1.60%2.10%Sep 14, 2026: 1.60% APYSep 14, 2026Oct 14, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
3700 E Alameda Ave, Denver, CO 80209
48 Month Certificates of Deposit (CDs)
$0
1.60% ▼ 1.34% below Colorado avg
View
▼
Rate1.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▼ 1.34% below avgNationally 2.80%
Details

Certificates of Deposit (CDs) minimum balance $500

Rate History
No change since Sep 14, 2026 · 1.60% APY · checked 6 times
1.10%1.60%2.10%Sep 14, 2026: 1.60% APYSep 14, 2026Oct 14, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
3700 E Alameda Ave, Denver, CO 80209
Individual Retirement Account (IRA) CDs - 48 Month
$0
1.60% ▼ 1.34% below Colorado avg
View
▼
Rate1.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▼ 1.34% below avgNationally 2.80%
Details

Rate History
No change since Sep 22, 2026 · 1.60% APY · checked 3 times
1.10%1.60%2.10%Sep 22, 2026: 1.60% APYSep 22, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
48 Month Business Certificate of Deposit (CD)
$0
1.51% ▼ 1.43% below Colorado avg
View
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average2.94%▼ 1.43% below avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 1.26% → 1.51% ▲ 0.25 pts · high 1.51% / low 1.26%
0.76%1.38%2.01%Sep 14, 2026: 1.26% APYSep 28, 2026: 1.51% APYSep 14, 2026Oct 14, 2026
  • Sep 28, 20261.51%▲ from 1.26%
  • Sep 14, 20261.26%first recorded
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
48 Month CD
$100,000
1.51% ▼ 1.43% below Colorado avg
View
▼
Rate1.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average2.94%▼ 1.43% below avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 1.51% APY · checked 2 times
1.01%1.51%2.01%Oct 8, 2026: 1.51% APYOct 8, 2026Oct 14, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1600 Broadway, Denver, CO 80202
4 Year Certificate
$0
1.50% ▼ 1.44% below Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average2.94%▼ 1.44% below avgNationally 2.80%
Details

Under $100,000

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 14, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1600 Broadway, Denver, CO 80202
IRA CD - 4 Years
$0
1.50% ▼ 1.44% below Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average2.94%▼ 1.44% below avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
48 Month Certificate
$0
1.46% ▼ 1.48% below Colorado avg
View
▼
Rate1.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average2.94%▼ 1.48% below avgNationally 2.80%
Details

Rate History
2 changes since Sep 14, 2026 · 1.26% → 1.46% ▲ 0.20 pts · high 1.51% / low 1.26%
0.76%1.38%2.01%Sep 14, 2026: 1.26% APYSep 24, 2026: 1.51% APYOct 8, 2026: 1.46% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20261.46%▼ from 1.51%
  • Sep 24, 20261.51%▲ from 1.26%
  • Sep 14, 20261.26%first recorded
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
Business Certificate of Deposit (CD) - 48 Months
$0
1.46% ▼ 1.48% below Colorado avg
View
▼
Rate1.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average2.94%▼ 1.48% below avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 1.46% APY · checked 2 times
0.96%1.46%1.96%Oct 8, 2026: 1.46% APYOct 8, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
Business Certificate of Deposit (CD) - 48 Months
$0
1.41% ▼ 1.53% below Colorado avg
View
▼
Rate1.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average2.94%▼ 1.53% below avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 1.41% APY · checked 2 times
0.91%1.41%1.91%Oct 8, 2026: 1.41% APYOct 8, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
Certificate of Deposit (CD) - 48 Months
$0
1.41% ▼ 1.53% below Colorado avg
View
▼
Rate1.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average2.94%▼ 1.53% below avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 1.41% APY · checked 2 times
0.91%1.41%1.91%Oct 8, 2026: 1.41% APYOct 8, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3102 S Sheridan Blvd, Denver, CO 80227
48 Month IRA Certificates
$0
0.75% ▼ 2.19% below Colorado avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average2.94%▼ 2.19% below avgNationally 2.80%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 6, 2026: 0.75% APYOct 6, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3102 S Sheridan Blvd, Denver, CO 80227
48 Month Standard CD
$0
0.75% ▼ 2.19% below Colorado avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average2.94%▼ 2.19% below avgNationally 2.80%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3611 E 1st Ave, Denver, CO 80206
4-Year CD
$0
0.50% ▼ 2.44% below Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average2.94%▼ 2.44% below avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 24, 2026: 0.50% APYSep 24, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3611 E 1st Ave, Denver, CO 80206
4-Year Term
$1,000
0.50% ▼ 2.44% below Colorado avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average2.94%▼ 2.44% below avgNationally 2.80%
Details

Rate History
No change since Sep 27, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Sep 27, 2026: 0.50% APYSep 27, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3611 E 1st Ave, Denver, CO 80206
4-Year RampUp
$50,000
0.25% ▼ 2.69% below Colorado avg
View
▼
Rate0.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average2.94%▼ 2.69% below avgNationally 2.80%
Details

Rate History
No change since Sep 27, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 27, 2026: 0.25% APYSep 27, 2026Oct 14, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3611 E 1st Ave, Denver, CO 80206
4 Year CD
$500
0.15% ▼ 2.79% below Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average2.94%▼ 2.79% below avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 7, 2026: 0.15% APYOct 7, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 Garfield St, Denver, CO 80206
48 Month Certificate of Deposit
$0
0.03% ▼ 2.91% below Colorado avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average2.94%▼ 2.91% below avgNationally 2.80%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 Garfield St, Denver, CO 80206
48 Month Certificate of Deposit
$0
0.02% ▼ 2.92% below Colorado avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average2.94%▼ 2.92% below avgNationally 2.80%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 Garfield St, Denver, CO 80206
48 Month Certificate of Deposit
$0
0.01% ▼ 2.93% below Colorado avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average2.94%▼ 2.93% below avgNationally 2.80%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
4 Year Certificate
$500
4.35% ▲ 1.41% above Colorado avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average2.94%▲ 1.41% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 4.09% → 4.35% ▲ 0.26 pts · high 4.35% / low 4.09%
3.59%4.22%4.85%Sep 14, 2026: 4.09% APYSep 24, 2026: 4.35% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20264.35%▲ from 4.09%
  • Sep 14, 20264.09%first recorded
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
48 Month JUMBO certificates
$100,000
4.30% ▲ 1.36% above Colorado avg
View
▼
Rate4.22%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▲ 1.36% above avgNationally 2.80%
Details

Effective: October 1, 2026

Rate History
1 change since Sep 18, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
3.70%4.25%4.80%Sep 18, 2026: 4.20% APYOct 13, 2026: 4.30% APYSep 18, 2026Oct 14, 2026
  • Oct 13, 20264.30%▲ from 4.20%
  • Sep 18, 20264.20%first recorded
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
Jumbo IRA CD - 48 Months
$100,000
4.30% ▲ 1.36% above Colorado avg
View
▼
Rate4.22%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▲ 1.36% above avgNationally 2.80%
Details

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

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
3.70%4.25%4.80%Sep 14, 2026: 4.20% APYOct 13, 2026: 4.30% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.30%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
48 Month Term Certificates
$500
4.20% ▲ 1.26% above Colorado avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▲ 1.26% above avgNationally 2.80%
Details

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

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.20% ▲ 0.10 pts · high 4.20% / low 4.10%
3.60%4.15%4.70%Sep 14, 2026: 4.10% APYOct 9, 2026: 4.20% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.20%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
IRA Certificate (Traditional/Roth/SEP) - 48 Months
$500
4.20% ▲ 1.26% above Colorado avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▲ 1.26% above avgNationally 2.80%
Details

traditional ira, roth ira and sep ira

Rate History
No change since Oct 13, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 13, 2026: 4.20% APYOct 13, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 48 Month
$0
3.97% ▲ 1.03% above Colorado avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▲ 1.03% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
3.41%3.94%4.47%Sep 14, 2026: 3.91% APYOct 13, 2026: 3.97% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 48 Month
$0
3.97% ▲ 1.03% above Colorado avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▲ 1.03% above avgNationally 2.80%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
3.41%3.94%4.47%Sep 14, 2026: 3.91% APYSep 25, 2026: 3.97% APYSep 14, 2026Oct 14, 2026
  • Sep 25, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
48 Month IRA Certificates
$0
3.81% ▲ 0.87% above Colorado avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▲ 0.87% above avgNationally 2.80%
Details

Rate History
No change since Oct 5, 2026 · 3.81% APY · checked 3 times
3.31%3.81%4.31%Oct 5, 2026: 3.81% APYOct 5, 2026Oct 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - 48 Month
$0
3.81% ▲ 0.87% above Colorado avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▲ 0.87% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.76% → 3.81% ▲ 0.05 pts · high 3.81% / low 3.76%
3.26%3.79%4.31%Sep 14, 2026: 3.76% APYSep 21, 2026: 3.81% APYSep 14, 2026Oct 14, 2026
  • Sep 21, 20263.81%▲ from 3.76%
  • Sep 14, 20263.76%first recorded

Denver 60 Month CD Rates

Colorado 60 Month CD Average3.13% APYNational 2.91%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1075 Acoma St, Denver, CO 80204 4326
60 Months CD
$0
4.40% ▲ 1.27% above Colorado avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.13%▲ 1.27% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.40% ▲ 0.70 pts · high 4.40% / low 3.70%
3.00%4.05%5.10%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.40% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.40%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1075 Acoma St, Denver, CO 80204 4326
60 Months CD
$0
4.15% ▲ 1.02% above Colorado avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.13%▲ 1.02% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.15% ▲ 0.45 pts · high 4.15% / low 3.70%
3.20%3.93%4.65%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.15%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Wings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
1499 Wynkoop St Ste 100, Denver, CO 80202 5557
60 Month Certificate
$0
4.15% ▲ 1.02% above Colorado avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.13%▲ 1.02% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1075 S Havana St, Denver, CO 80012 2901
60 Month Business CDs
$0
4.10% ▲ 0.97% above Colorado avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.13%▲ 0.97% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1075 S Havana St, Denver, CO 80012 2901
60 Month Certificate of Deposit
$0
4.10% ▲ 0.97% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.13%▲ 0.97% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1075 S Havana St, Denver, CO 80012 2901
60 Month HSA CD
$0
4.10% ▲ 0.97% above Colorado avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.13%▲ 0.97% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1075 S Havana St, Denver, CO 80012 2901
60 Month Traditional CD
$0
4.10% ▲ 0.97% above Colorado avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.13%▲ 0.97% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2001 Lincoln St Ste 100, Denver, CO 80202 3802
60 Month CDs & IRA Certificates of Deposit
$0
4.10% ▲ 0.97% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.13%▲ 0.97% above avgNationally 2.91%
Details

Balance: $100,000 +

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 18, 2026: 3.85% APYOct 10, 2026: 4.10% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20264.10%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
4000 Quebec St, Denver, CO 80216 6619
Consumer and Business Regular and IRA Certificates of Deposit (CDs) - 60 Months
$500
4.05% ▲ 0.92% above Colorado avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.13%▲ 0.92% above avgNationally 2.91%
Details

Rate History
No change since Oct 13, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 13, 2026: 4.05% APYOct 13, 2026Oct 14, 2026
Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
12 Lakeside Ln, Denver, CO 80212 7413
60 Month Share/IRA/HSA Certificates
$0
4.00% ▲ 0.87% above Colorado avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.13%▲ 0.87% above avgNationally 2.91%
Details

Rate History
1 change since Sep 25, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 25, 2026: 3.75% APYOct 8, 2026: 4.00% APYSep 25, 2026Oct 14, 2026
  • Oct 8, 20264.00%▲ from 3.75%
  • Sep 25, 20263.75%first recorded
Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
12 Lakeside Ln, Denver, CO 80212 7413
Share/IRA/HSA Certificates - 60 months
$500
4.00% ▲ 0.87% above Colorado avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.13%▲ 0.87% above avgNationally 2.91%
Details

$500 Minimum

Rate History
1 change since Sep 25, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 25, 2026: 3.75% APYOct 8, 2026: 4.00% APYSep 25, 2026Oct 14, 2026
  • Oct 8, 20264.00%▲ from 3.75%
  • Sep 25, 20263.75%first recorded
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2001 Lincoln St Ste 100, Denver, CO 80202 3802
60 Month CDs & IRA Certificates of Deposit
$0
4.00% ▲ 0.87% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.13%▲ 0.87% above avgNationally 2.91%
Details

Balance: $500-$99,999.99

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 18, 2026: 3.75% APYOct 10, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20264.00%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Fidelis Catholic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
2760 Larimer St, Denver, CO 80205
60 Month Share Certificate
$0
3.65% ▲ 0.52% above Colorado avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.13%▲ 0.52% above avgNationally 2.91%
Details

Compounded: Monthly

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
850 E Harvard Ave Ste G 45, Denver, CO 80210
5 Year Jumbo Share Certificates
$0
3.65% ▲ 0.52% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.13%▲ 0.52% above avgNationally 2.91%
Details

Minimum Balance to Earn Dividends: $100,000.00

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 14, 2026: 3.50% APYSep 25, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
  • Sep 25, 20263.65%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
850 E Harvard Ave Ste G 45, Denver, CO 80210
Jumbo Share Certificates - 5 Years
$0
3.65% ▲ 0.52% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.13%▲ 0.52% above avgNationally 2.91%
Details

Rate History
No change since Oct 5, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Oct 5, 2026: 3.65% APYOct 5, 2026Oct 14, 2026
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
7800 Smith Rd, Denver, CO 80207
60-Month Certificate of Deposit
$500
3.51% ▲ 0.38% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.13%▲ 0.38% above avgNationally 2.91%
Details

Rate History
1 change since Sep 18, 2026 · 3.03% → 3.51% ▲ 0.48 pts · high 3.51% / low 3.03%
2.53%3.27%4.01%Sep 18, 2026: 3.03% APYOct 2, 2026: 3.51% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20263.51%▲ from 3.03%
  • Sep 18, 20263.03%first recorded
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3033 E 1st Ave, Denver, CO 80206
60 Month Certificate
$1,000
3.51% ▲ 0.38% above Colorado avg
View
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.13%▲ 0.38% above avgNationally 2.91%
Details

Rate History
No change since Oct 7, 2026 · 3.51% APY · checked 2 times
3.01%3.51%4.01%Oct 7, 2026: 3.51% APYOct 7, 2026Oct 14, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3033 E 1st Ave, Denver, CO 80206
Business 60 Month Certificate
$1,000
3.51% ▲ 0.38% above Colorado avg
View
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.13%▲ 0.38% above avgNationally 2.91%
Details

Rate History
No change since Oct 7, 2026 · 3.51% APY · checked 2 times
3.01%3.51%4.01%Oct 7, 2026: 3.51% APYOct 7, 2026Oct 14, 2026
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
850 E Harvard Ave Ste G 45, Denver, CO 80210
Regular IRA Share Certificates - 5 Years
$0
3.50% ▲ 0.37% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.13%▲ 0.37% above avgNationally 2.91%
Details

Balance: $1,000.00-$99,999.99

Rate History
1 change since Sep 14, 2026 · 3.35% → 3.50% ▲ 0.15 pts · high 3.50% / low 3.35%
2.85%3.43%4.00%Sep 14, 2026: 3.35% APYOct 5, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20263.50%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
900 AURARIA PKWY UNIT 263, DENVER, CO 80204 5800
Traditional Certificate - 60 Month
$0
3.50% ▲ 0.37% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.13%▲ 0.37% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 14, 2026
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
900 AURARIA PKWY UNIT 263, DENVER, CO 80204 5800
Traditional IRA 60 Month Certificate
$0
3.50% ▲ 0.37% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.13%▲ 0.37% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 14, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
1275 Tremont Pl, Denver, CO 80204 2118
5 Year Traditional Certificate of Deposit (CD)
$0
3.45% ▲ 0.32% above Colorado avg
View
▼
Rate3.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.13%▲ 0.32% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 13, 2026 · 3.45% APY
2.95%3.45%3.95%Oct 13, 2026: 3.45% APYOct 13, 2026Oct 14, 2026
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
4545 E 51st Ave, Denver, CO 80216
60 Month Certificate of Deposit
$100,000
3.40% ▲ 0.27% above Colorado avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.13%▲ 0.27% above avgNationally 2.91%
Details

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

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 14, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
1275 Tremont Pl, Denver, CO 80204 2118
5 Year Traditional Certificate of Deposit (CD)
$0
3.35% ▲ 0.22% above Colorado avg
View
▼
Rate3.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.13%▲ 0.22% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 13, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 13, 2026: 3.35% APYOct 13, 2026Oct 14, 2026
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
4545 E 51st Ave, Denver, CO 80216
60 Month Certificate of Deposit
$500
3.30% ▲ 0.17% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.13%▲ 0.17% above avgNationally 2.91%
Details

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

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Oct 14, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
1275 Tremont Pl, Denver, CO 80204 2118
Traditional Certificate of Deposit (CD) - 5 Year
$0
3.25% ▲ 0.12% above Colorado avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.13%▲ 0.12% above avgNationally 2.91%
Details

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

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
1275 Tremont Pl, Denver, CO 80204 2118
Traditional Certificate of Deposit (CD) - 5 Year
$0
3.15% ▲ 0.02% above Colorado avg
View
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.13%▲ 0.02% above avgNationally 2.91%
Details

Deposits under $25,000; Account Balance $500

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 5 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 14, 2026
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
1601 Wewatta St Ste 300, Denver, CO 80202 6478
60-Month Certificate
$0
3.15% ▲ 0.02% above Colorado avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.13%▲ 0.02% above avgNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 5 times
2.65%3.15%3.65%Sep 18, 2026: 3.15% APYSep 18, 2026Oct 14, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
101 Cook St, Denver, CO 80206
60 Month CD
$500
2.75% ▼ 0.38% below Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.13%▼ 0.38% below avgNationally 2.91%
Details

Rate History
No change since Oct 6, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 6, 2026: 2.75% APYOct 6, 2026Oct 14, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
3700 E Alameda Ave, Denver, CO 80209
60 Month Business Certificates of Deposit (CDs)
$0
1.65% ▼ 1.48% below Colorado avg
View
▼
Rate1.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.13%▼ 1.48% below avgNationally 2.91%
Details

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

Rate History
No change since Sep 14, 2026 · 1.65% APY · checked 6 times
1.15%1.65%2.15%Sep 14, 2026: 1.65% APYSep 14, 2026Oct 14, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
3700 E Alameda Ave, Denver, CO 80209
60 Month Certificates of Deposit (CDs)
$0
1.65% ▼ 1.48% below Colorado avg
View
▼
Rate1.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.13%▼ 1.48% below avgNationally 2.91%
Details

Certificates of Deposit (CDs) minimum balance $500

Rate History
No change since Sep 14, 2026 · 1.65% APY · checked 6 times
1.15%1.65%2.15%Sep 14, 2026: 1.65% APYSep 14, 2026Oct 14, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
3700 E Alameda Ave, Denver, CO 80209
Individual Retirement Account (IRA) CDs - 60 Month
$0
1.65% ▼ 1.48% below Colorado avg
View
▼
Rate1.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.13%▼ 1.48% below avgNationally 2.91%
Details

Rate History
No change since Sep 22, 2026 · 1.65% APY · checked 3 times
1.15%1.65%2.15%Sep 22, 2026: 1.65% APYSep 22, 2026Oct 14, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
3700 E Alameda Ave, Denver, CO 80209
Jumbo Certificates of Deposit (CDs) - 60 Month
$0
1.65% ▼ 1.48% below Colorado avg
View
▼
Rate1.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.13%▼ 1.48% below avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 1.65% APY · checked 3 times
1.15%1.65%2.15%Sep 14, 2026: 1.65% APYSep 14, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
60 Month Business Certificate of Deposit (CD)
$0
1.56% ▼ 1.57% below Colorado avg
View
▼
Rate1.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.13%▼ 1.57% below avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 1.31% → 1.56% ▲ 0.25 pts · high 1.56% / low 1.31%
0.81%1.43%2.06%Sep 14, 2026: 1.31% APYSep 28, 2026: 1.56% APYSep 14, 2026Oct 14, 2026
  • Sep 28, 20261.56%▲ from 1.31%
  • Sep 14, 20261.31%first recorded
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
60 Month CD
$100,000
1.56% ▼ 1.57% below Colorado avg
View
▼
Rate1.55%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.13%▼ 1.57% below avgNationally 2.91%
Details

Rate History
No change since Oct 8, 2026 · 1.56% APY · checked 2 times
1.06%1.56%2.06%Oct 8, 2026: 1.56% APYOct 8, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
60 Month Certificate
$0
1.51% ▼ 1.62% below Colorado avg
View
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.13%▼ 1.62% below avgNationally 2.91%
Details

Rate History
2 changes since Sep 14, 2026 · 1.31% → 1.51% ▲ 0.20 pts · high 1.56% / low 1.31%
0.81%1.43%2.06%Sep 14, 2026: 1.31% APYSep 24, 2026: 1.56% APYOct 8, 2026: 1.51% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20261.51%▼ from 1.56%
  • Sep 24, 20261.56%▲ from 1.31%
  • Sep 14, 20261.31%first recorded
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
Business Certificate of Deposit (CD) - 60 Months
$0
1.51% ▼ 1.62% below Colorado avg
View
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.13%▼ 1.62% below avgNationally 2.91%
Details

Rate History
No change since Oct 8, 2026 · 1.51% APY · checked 2 times
1.01%1.51%2.01%Oct 8, 2026: 1.51% APYOct 8, 2026Oct 14, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1600 Broadway, Denver, CO 80202
5 Year Certificate
$0
1.50% ▼ 1.63% below Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.13%▼ 1.63% below avgNationally 2.91%
Details

Under $100,000

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 14, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1600 Broadway, Denver, CO 80202
IRA CD - 5 Years
$0
1.50% ▼ 1.63% below Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.13%▼ 1.63% below avgNationally 2.91%
Details

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
Business Certificate of Deposit (CD) - 60 Months
$0
1.46% ▼ 1.67% below Colorado avg
View
▼
Rate1.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.13%▼ 1.67% below avgNationally 2.91%
Details

Rate History
No change since Oct 8, 2026 · 1.46% APY · checked 2 times
0.96%1.46%1.96%Oct 8, 2026: 1.46% APYOct 8, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
201 N Broadway, Denver, CO 80203
Certificate of Deposit (CD) - 60 Months
$0
1.46% ▼ 1.67% below Colorado avg
View
▼
Rate1.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.13%▼ 1.67% below avgNationally 2.91%
Details

Rate History
No change since Oct 8, 2026 · 1.46% APY · checked 2 times
0.96%1.46%1.96%Oct 8, 2026: 1.46% APYOct 8, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3102 S Sheridan Blvd, Denver, CO 80227
60 Month IRA Certificates
$0
0.75% ▼ 2.38% below Colorado avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.13%▼ 2.38% below avgNationally 2.91%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 6, 2026: 0.75% APYOct 6, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3102 S Sheridan Blvd, Denver, CO 80227
60 Month Standard CD
$0
0.75% ▼ 2.38% below Colorado avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.13%▼ 2.38% below avgNationally 2.91%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3611 E 1st Ave, Denver, CO 80206
5-Year CD
$0
0.50% ▼ 2.63% below Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.13%▼ 2.63% below avgNationally 2.91%
Details

Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 24, 2026: 0.50% APYSep 24, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3611 E 1st Ave, Denver, CO 80206
5-Year Term
$1,000
0.50% ▼ 2.63% below Colorado avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Colorado Average3.13%▼ 2.63% below avgNationally 2.91%
Details

Rate History
No change since Sep 27, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Sep 27, 2026: 0.50% APYSep 27, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 Garfield St, Denver, CO 80206
60 Month Certificate of Deposit
$0
0.03% ▼ 3.10% below Colorado avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.13%▼ 3.10% below avgNationally 2.91%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 Garfield St, Denver, CO 80206
60 Month Certificate of Deposit
$0
0.02% ▼ 3.11% below Colorado avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.13%▼ 3.11% below avgNationally 2.91%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
101 Garfield St, Denver, CO 80206
60 Month Certificate of Deposit
$0
0.01% ▼ 3.12% below Colorado avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Colorado Average3.13%▼ 3.12% below avgNationally 2.91%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
5Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
60 Month Variable IRA
$250
5.11% ▲ 1.98% above Colorado avg
View
▼
Rate4.99%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.13%▲ 1.98% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 4.57% → 5.11% ▲ 0.54 pts · high 5.11% / low 4.57%
4.03%4.84%5.65%Sep 14, 2026: 4.57% APYOct 11, 2026: 5.11% APYSep 14, 2026Oct 14, 2026
  • Oct 11, 20265.11%▲ from 4.57%
  • Sep 14, 20264.57%first recorded
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
60 Month JUMBO certificates
$100,000
4.45% ▲ 1.32% above Colorado avg
View
▼
Rate4.36%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.13%▲ 1.32% above avgNationally 2.91%
Details

Effective: October 1, 2026

Rate History
1 change since Sep 18, 2026 · 4.35% → 4.45% ▲ 0.10 pts · high 4.45% / low 4.35%
3.85%4.40%4.95%Sep 18, 2026: 4.35% APYOct 13, 2026: 4.45% APYSep 18, 2026Oct 14, 2026
  • Oct 13, 20264.45%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

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

Top CD Rates from Denver, Colorado Institutions

Highest verified APYs available today, updated October 13, 2026

B Top 5 Bank Rates
Austin Capital Bank
3 Month CD
A+ 5.0 ★ TX: 2.96%
Min: $1,000
4.58%
Bankers Bank of the West
24 Month Certificate
A 5.0 ★ TX: 6.05%
Min: $50,000
4.55%
Academy Bank
18-Month Certificate of Deposit
A+ 5.0 ★ TX: 5.08%
Min: $500
4.40%
United Fidelity Bank
6-Month CD
A+ 5.0 ★ TX: 2.56%
Min: $1,000
4.40%
Vio Bank
24 Month CD
A+ 5.0 ★ TX: 4.93%
Min: $500
4.40%
CU Top 5 Credit Union Rates
Denver Community Credit Union DBA Zing Credit Union
60 Months CD
A+ 5.0 ★ TX: 2.31%
Min: $0
4.40%
Wings Credit Union
60 Month Certificate
A+ 5.0 ★ TX: 4.15%
Min: $0
4.15%
Bellco Credit Union
60 Month Business CDs
A 5.0 ★ TX: 9.71%
Min: $0
4.10%
Colorado Credit Union
48 Month CDs & IRA Certificates of Deposit
A+ 5.0 ★ TX: 3.06%
Min: $0
4.10%
Partner Colorado Credit Union
Consumer and Business Regular and IRA Certificates of Deposit (CDs) - 60 Months
A+ 5.0 ★ TX: 3.16%
Min: $500
4.05%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Denver, CO CD Rate Trends

Compare local Denver, 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.

View Full Colorado CD Trends
12-Month CD CO Avg
3.289%
▲ 0.032 vs 7 days ago

Colorado 12-month CD rates rose 0.032 points over the past 7 days to 3.289% APY.

6-Month CD CO Avg
3.184%
▲ 0.011 vs 7 days ago

Colorado 6-month CD rates rose 0.011 points over the past 7 days to 3.184% APY.

As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions

CO CD Rate Forecast, Next 12 Months

Where are Colorado CD rates headed through October 2027?

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

CO 12-Month Avg APY
3.289%
6-Month Forecast
3.289%
Range: 3.09%, 3.44%
12-Month Forecast
3.539%
Range: 3.34%, 3.69%

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

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

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

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

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What Your Savings Earn at CO CD Rates Today

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

CD Term CO Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 2.337% $116.86 $233.72 $584.30 $1,168.60
6-Month CD 3.184% $159.20 $318.39 $795.98 $1,591.95
12-Month CD 3.289% $164.45 $328.91 $822.27 $1,644.55
18-Month CD 3.102% $155.12 $310.24 $775.60 $1,551.20
24-Month CD 3.075% $153.73 $307.45 $768.63 $1,537.25
36-Month CD 3.051% $152.56 $305.11 $762.78 $1,525.55
48-Month CD 2.939% $146.95 $293.89 $734.72 $1,469.45
60-Month CD 3.130% $156.52 $313.03 $782.57 $1,565.15
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026.
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Sample CD Ladder for Denver, Colorado Savers

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

Build Your Ladder
Rung Term Deposit CO Avg APY Annual Earnings
1 3-Month CD $5,000 2.337% $116.86
2 6-Month CD $5,000 3.184% $159.20
3 12-Month CD $5,000 3.289% $164.45
4 24-Month CD $5,000 3.075% $153.73
5 36-Month CD $5,000 3.051% $152.56
Total ($25,000 invested) $25,000 2.987% blended $746.80/yr

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

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939
CD Rates
Tracked in Denver, Colorado
36 Banks 50 Credit Unions

About Our Denver, Colorado CD Rate Database

MonitorBankRates tracks 939 CD rates from 36 banks and 50 credit unions with locations in Denver, Colorado, plus national online institutions available to Colorado residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

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

Current top rate: Austin Capital Bank offers a CD at 4.58% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Denver, Colorado.

How to Find the Best CD Rates in Denver, Colorado

What to compare when shopping for a CD in Denver, Colorado

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

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

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

When a CD Makes Sense in Denver, 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 Denver, Colorado: 86 institutions here report CD rates

Consider an Alternative If…

Denver, Colorado Financial Snapshot

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

Population 65+
12.5%
National avg: 17.3%
Median Individual Earnings
$58,097
National avg: $47,340
Poverty Rate
11.2%
National avg: 11.1%
Unemployment Rate
4.9%
National avg: 4.8%
CD Earnings on 10% of Salary
$191/yr
At CO 12-mo avg 3.289% APY

12.5% of residents are 65 or older, below the national average of 17.3%. At today’s CO 12-month CD average of 3.289%, saving 10% of the local median salary ($5,809/year) and putting it in a CD would earn an additional $191 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 Denver, Colorado

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

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

How Certificates of Deposit Work in Denver, 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 Denver, 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 Denver, Colorado as everywhere in the U.S.

Choosing a CD Term in Denver, 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 Denver, Colorado savers easier access to their funds. For example, United Fidelity Bank is offering its 6-Month CD at 4.40% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Denver Community Credit Union DBA Zing Credit Union is offering its 60 Months CD at 4.40% 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 Denver, 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 Denver, 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 Denver, 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 Denver, 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 Denver, Colorado

Most CDs carry a fixed rate that is locked for the entire term, protecting a Denver, 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 Denver, Colorado

Are CD rates in Denver, Colorado FDIC insured?

Yes, most established banks in Denver, 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 Denver, 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 Denver, 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 Denver, 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 Denver, Colorado?

Here are recent top rates found for this area:
  • Austin Capital Bank: 4.58% APY (3 Month CD)
  • Bankers Bank of the West: 4.55% APY (24 Month Certificate)
  • Academy Bank: 4.40% APY (18-Month Certificate of Deposit)
  • United Fidelity Bank: 4.40% APY (6-Month CD)
  • Denver Community Credit Union DBA Zing Credit Union: 4.40% APY (60 Months CD)
  • Vio Bank: 4.40% APY (24 Month CD)
  • Wings Credit Union: 4.15% APY (60 Month Certificate)
  • Bellco Credit Union: 4.10% APY (60 Month Business CDs)
  • Colorado Credit Union: 4.10% APY (48 Month CDs & IRA Certificates of Deposit)
  • Partner Colorado Credit Union: 4.05% APY (Consumer and Business Regular and IRA Certificates of Deposit (CDs) - 60 Months)
Rates reflect recent verified offers available in Denver, Colorado. Last Updated: October 13, 2026

Denver, 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 Denver, Colorado rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

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

Top Denver, Colorado CD Rates by Term

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

CD Calculators for Denver, Colorado

Denver, Colorado CD Calculator

At today’s CO top rate of 4.58% APY, a $10,000 deposit earns $458 in the first year. Enter your amount to see your exact return.

Denver, Colorado CD Ladder

CO CD rates currently range from 2.337% (3-month) to 3.051% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Denver, Colorado CD at 4.58% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Colorado’s average 12-month CD is 3.289% 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 Denver, 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 Denver, 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 Denver, Colorado. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in CO.

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

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

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