Denver, Colorado CD Rates Today - Compare Best APYs for July 2026
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Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Denver, Colorado CD rates include United Fidelity BankUnited Fidelity Bank2480 W Alameda Ave, Denver, CO 80223A+5.0 ★Texas Ratio: 0.81%Real return: +1.45%APY minus CPI (February 2026) offering 18-Month CD Term at 4.25% APY, Ent Credit UnionEnt Credit Union1499 Wynkoop St Ste 100, Denver, CO 80202 5557A+5.0 ★Texas Ratio: 4.52%Real return: +1.35%APY minus CPI (February 2026) offering 60 Month Certificate at 4.15% APY, Bellco Credit UnionBellco Credit Union1075 S Havana St, Denver, CO 80012 2901A+5.0 ★Texas Ratio: 4.02%Real return: +1.20%APY minus CPI (February 2026) offering 6 Months at 4.00% APY, 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: 2.70%Real return: +0.95%APY minus CPI (February 2026) offering 12 Months at 3.75% APY, and Colorado Credit UnionColorado Credit Union2001 Lincoln St Ste 100, Denver, CO 80202 3802A+5.0 ★Texas Ratio: 2.29%Real return: +0.95%APY minus CPI (February 2026) offering 60 month CD at 3.75% APY. CD rates as of July 12, 2026 according to verified data from MonitorBankRates.
Denver has 107 local institutions in our database, with CD rates as high as 4.25% APY from United Fidelity Bank at 2480 W Alameda Ave, Denver, CO 80223. 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 — 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: July 12, 2026
Compare Best CD Rates in Denver, Colorado & the Surrounding Area
Denver 3 Month CD Rates
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: 2.70%
1075 Acoma St, Denver, CO 80204 4326
3 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
1075 S Havana St, Denver, CO 80012 2901
3 Months
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1275 Tremont Pl, Denver, CO 80204 2118
90 Day
$0
2.00%
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1275 Tremont Pl, Denver, CO 80204 2118
90 Day
$0
1.90%
▼
Rate1.89%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1275 Tremont Pl, Denver, CO 80204 2118
90 Day
$0
1.80%
▼
Rate1.79%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1275 Tremont Pl, Denver, CO 80204 2118
90 Day
$0
1.70%
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1275 Tremont Pl, Denver, CO 80204 2118
90 Day Add-on Certificate
$0
1.70%
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1701 N Lincoln St, Denver, CO 80203
3 month Standard Interest Rate
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Early withdrawal penalties may apply. Additional terms are available at a branch.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1701 N Lincoln St, Denver, CO 80203
3 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Relationship APY 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
3 Month CD
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Interest earned on your CD is payable by compounding, check, or transferring to an existing FirsTier account. A penalty may be imposed for early withdrawal. Certificate will automatically renew to a fixed rate CD of the equivalent term with the current rate at renewal.
Westminster Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.90%
3-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Rate3.36%
Min Deposit$500
Min Balance—
UpdatedJul 7, 2026
Details
Credit Union of The Rockies
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
3 Month Certificate
$500
3.40%
▼
Rate3.36%
Min Deposit$500
Min Balance—
UpdatedJul 7, 2026
Details
Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
3 month
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
3-Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
3-Month IRA Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
IRA Certificates (One rate bump per term)
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
3 Month Certificate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate2.48%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Rate2.27%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Tier 2
San Luis Valley Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
3 Months CD
$0
2.29%
▼
Rate2.27%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Delta County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
3 Month Share Certificate
$250
2.02%
▼
Rate2.00%
Min Deposit$250
Min Balance—
UpdatedJul 12, 2026
Details
youth members only
Rate1.68%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Tier 1
San Luis Valley Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
3 Months CD
$0
1.69%
▼
Rate1.68%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
3 Month Certificate
$0
0.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Denver 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
1075 S Havana St, Denver, CO 80012 2901
6 Months
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2001 Lincoln St Ste 100, Denver, CO 80202 3802
6 month CD
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
900 AURARIA PKWY UNIT 263, DENVER, CO 80204 5800
6 Month Certificate
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 26, 2026
Details
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2001 Lincoln St Ste 100, Denver, CO 80202 3802
6 month CD
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
1075 Acoma St, Denver, CO 80204 4326
6 Months*
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1275 Tremont Pl, Denver, CO 80204 2118
6 Month
$0
3.51%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1275 Tremont Pl, Denver, CO 80204 2118
6 Month
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Sunflower Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
278 University Blvd, Denver, CO 80206
6-Month CD Special
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Limited Time CD Special
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1275 Tremont Pl, Denver, CO 80204 2118
6 Month
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1275 Tremont Pl, Denver, CO 80204 2118
6 Month
$0
3.20%
▼
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1275 Tremont Pl, Denver, CO 80204 2118
6 Month Add-on Certificate
$0
3.20%
▼
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
1601 Wewatta St Ste 300, Denver, CO 80202 6478
6-Month Certificate
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1701 N Lincoln St, Denver, CO 80203
6 month Standard Interest Rate
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Early withdrawal penalties may apply. Additional terms are available at a branch.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1701 N Lincoln St, Denver, CO 80203
6 month Standard Fixed Rate
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Relationship APY 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate4.00%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
6 Month CD
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.90%
6-Month Share Certificate
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
6-month CD
$1,000
3.80%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
6-Month CD
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
$100,000
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
6-Month Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
6-Month IRA Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
IRA Certificates (One rate bump per term)
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
6-Months Certificate
$1,000
3.72%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 8, 2026
Details
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Interest earned on your CD is payable by compounding, check, or transferring to an existing FirsTier account. A penalty may be imposed for early withdrawal. Certificate will automatically renew to a fixed rate CD of the equivalent term with the current rate at renewal.
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
6-Month CD
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
$25,000 - $99,999
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus Certificates 6 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
6-Month CD
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
$1,000 - $24,999
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
6 Month Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
6 month
$2,500
3.44%
▼
Rate3.40%
Min Deposit$2,500
Min Balance—
UpdatedJul 6, 2026
Details
Rate3.36%
Min Deposit$500
Min Balance—
UpdatedJul 7, 2026
Details
Credit Union of The Rockies
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
6 Month Certificate
$500
3.40%
▼
Rate3.36%
Min Deposit$500
Min Balance—
UpdatedJul 7, 2026
Details
Sterling Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
IRA Certificates / CDs 6 month
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 6, 2026
Details
Sterling Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
IRA Certificate 6 month
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 6, 2026
Details
Sterling Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
6 month Share Certificate / CD
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 6, 2026
Details
Sterling Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
6 month Share Certificate
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 6, 2026
Details
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
6 Month Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate2.42%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Coloramo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.23%
6-Month Certificate
$0
2.40%
▼
Rate2.38%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Denver 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2001 Lincoln St Ste 100, Denver, CO 80202 3802
12 month CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
1075 Acoma St, Denver, CO 80204 4326
12 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
1075 S Havana St, Denver, CO 80012 2901
12 Months
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
1075 S Havana St, Denver, CO 80012 2901
HSA CD 12 Months
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
1075 S Havana St, Denver, CO 80012 2901
Youth CD 12 Months
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2001 Lincoln St Ste 100, Denver, CO 80202 3802
12 month CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
7800 Smith Rd, Denver, CO 80207
12-Month Certificate of Deposit
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1275 Tremont Pl, Denver, CO 80204 2118
1 Year
$0
3.51%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Ent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1499 Wynkoop St Ste 100, Denver, CO 80202 5557
12-Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Ent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1499 Wynkoop St Ste 100, Denver, CO 80202 5557
12 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
900 AURARIA PKWY UNIT 263, DENVER, CO 80204 5800
12 Month Certificate
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 26, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1275 Tremont Pl, Denver, CO 80204 2118
1 Year
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1275 Tremont Pl, Denver, CO 80204 2118
1 Year
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1275 Tremont Pl, Denver, CO 80204 2118
1 Year
$0
3.20%
▼
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
1601 Wewatta St Ste 300, Denver, CO 80202 6478
12-Month Certificate
$0
2.95%
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1701 N Lincoln St, Denver, CO 80203
1 year Standard Interest Rate
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Early withdrawal penalties may apply. Additional terms are available at a branch.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1701 N Lincoln St, Denver, CO 80203
1 year Standard Fixed Rate
$2,500
1.50%
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Relationship APY 1.51%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1701 N Lincoln St, Denver, CO 80203
1 year Standard Interest Rate
$2,500
1.50%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Relationship APY 1.51%
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
1 Year Jumbo Certificate of Deposit
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
12 Month CD
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1 year CD
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
$100,000
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus Certificates 12 Month
$0
3.84%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 12 Month
$0
3.84%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
12 Month
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Interest earned on your CD is payable by compounding, check, or transferring to an existing FirsTier account. A penalty may be imposed for early withdrawal. Certificate will automatically renew to a fixed rate CD of the equivalent term with the current rate at renewal.
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1 year CD
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
$25,000 - $99,999
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.90%
12-Month Jumbo Share Certificate
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Jumbo
Westminster Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.90%
12-Month Share Certificate
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.90%
IRA Certificates (Traditional & Roth) 1 Year
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
12-Month Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
12-Month IRA Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
IRA Certificates (One rate bump per term)
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
IRA Certificate 12 Month
$0
3.69%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1 year CD
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
$1,000 - $24,999
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
12-Months Certificate
$1,000
3.61%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 8, 2026
Details
Credit Union of The Rockies
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
12 Month First Tracks
$250
3.60%
▼
Rate3.55%
Min Deposit$250
Min Balance—
UpdatedJul 7, 2026
Details
Credit Union of The Rockies
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
12 Month First Tracks Certificate
$250
3.60%
▼
Rate3.55%
Min Deposit$250
Min Balance—
UpdatedJul 7, 2026
Details
Rate3.57%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
IRA Share Certificate 12 Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
IRA Share Certificates 12 Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Foothills Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.24%
12 Month IRA CD
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
IRA 12 Month CD
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Denver 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
2480 W Alameda Ave, Denver, CO 80223
18-Month CD Term
$1,000
4.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2001 Lincoln St Ste 100, Denver, CO 80202 3802
18 month CD
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2001 Lincoln St Ste 100, Denver, CO 80202 3802
18 month CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
7800 Smith Rd, Denver, CO 80207
18-Month Certificate of Deposit
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1275 Tremont Pl, Denver, CO 80204 2118
18 Month
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1275 Tremont Pl, Denver, CO 80204 2118
18 Month
$0
2.90%
▼
Rate2.87%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1275 Tremont Pl, Denver, CO 80204 2118
18 Month
$0
2.80%
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1275 Tremont Pl, Denver, CO 80204 2118
18 Month
$0
2.70%
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
1075 S Havana St, Denver, CO 80012 2901
Smart Move 18 Month CD
$0
2.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
1075 S Havana St, Denver, CO 80012 2901
Smart Move CD 18 Months
$2,500
2.40%
▼
Rate2.37%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
18 Month CD
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
18 Month (Variable Rate) IRA Certificate
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Variable Rate
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Credit Union of The Rockies
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
18 Month Certificate
$500
3.50%
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedJul 7, 2026
Details
Credit Union of The Rockies
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
18 Month
$500
3.50%
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedJul 7, 2026
Details
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
18 month
$50,000
3.44%
▼
Rate3.40%
Min Deposit$50,000
Min Balance—
UpdatedJul 6, 2026
Details
Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
18 month
$10,000
3.39%
▼
Rate3.35%
Min Deposit$10,000
Min Balance—
UpdatedJul 6, 2026
Details
Sterling Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
18 month Share Certificate
$1,000
3.35%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 6, 2026
Details
Sterling Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
18 month Share Certificate / CD
$1,000
3.35%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 6, 2026
Details
Sterling Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
IRA Certificate 18 month
$1,000
3.35%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 6, 2026
Details
Sterling Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
IRA Certificates / CDs 18 month
$1,000
3.35%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 6, 2026
Details
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
IRA Share Certificates 18 Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
IRA Share Certificate 18 Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
18 Month
$500
3.24%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.16%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
18 Month Certificate
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
18 Month Certificate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate2.42%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Delta County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
18 Month Share Certificate
$2,500
1.76%
▼
Rate1.75%
Min Deposit$2,500
Min Balance—
UpdatedJul 12, 2026
Details
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
18 Month Certificate
$0
0.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Denver 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
1075 S Havana St, Denver, CO 80012 2901
24 Months
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
1075 S Havana St, Denver, CO 80012 2901
HSA CD 24 Months
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2001 Lincoln St Ste 100, Denver, CO 80202 3802
24 month CD
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2001 Lincoln St Ste 100, Denver, CO 80202 3802
24 month CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
1075 S Havana St, Denver, CO 80012 2901
Smart Move 24 Month CD
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
1075 S Havana St, Denver, CO 80012 2901
Smart Move CD 24 Months
$2,500
3.40%
▼
Rate3.35%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
1075 Acoma St, Denver, CO 80204 4326
24 Months
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
900 AURARIA PKWY UNIT 263, DENVER, CO 80204 5800
24 Month Certificate
$1,000
3.35%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 26, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
7800 Smith Rd, Denver, CO 80207
24-Month Certificate of Deposit
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1275 Tremont Pl, Denver, CO 80204 2118
2 Year
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1275 Tremont Pl, Denver, CO 80204 2118
2 Year
$0
2.90%
▼
Rate2.87%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
1601 Wewatta St Ste 300, Denver, CO 80202 6478
24-Month Certificate
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1275 Tremont Pl, Denver, CO 80204 2118
2 Year
$0
2.80%
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1275 Tremont Pl, Denver, CO 80204 2118
2 Year
$0
2.70%
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Rate4.21%
Min Deposit$250
Min Balance—
UpdatedJul 12, 2026
Details
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
24-month CD
$1,000
3.90%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
24 Month CD
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
2 years CD
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
$100,000
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
2 Year Jumbo Certificate of Deposit
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus Certificates 24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
2 years CD
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
$25,000 - $99,999
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
2 years CD
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
$1,000 - $24,999
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
IRA Certificate 24 Month
$0
3.59%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
2 Years IRA Certificate
$500
3.57%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.90%
24-Month Share Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.90%
IRA Certificates (Traditional & Roth) 2 Year
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
24-Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
24-Month IRA Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
IRA Certificates (One rate bump per term)
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
24 Month
$500
3.50%
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Credit Union of The Rockies
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
24 Month Certificate
$500
3.50%
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedJul 7, 2026
Details
Credit Union of The Rockies
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
24 Month
$500
3.50%
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedJul 7, 2026
Details
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Coloramo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.23%
24-Month Certificate
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
IRA 24 Month CD
$0
3.20%
▼
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
24 Month Certificate
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
24 month
$50,000
3.08%
▼
Rate3.05%
Min Deposit$50,000
Min Balance—
UpdatedJul 6, 2026
Details
Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
24 month
$10,000
3.03%
▼
Rate3.00%
Min Deposit$10,000
Min Balance—
UpdatedJul 6, 2026
Details
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate2.97%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Sterling Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
IRA Certificates / CDs 24 month
$1,000
2.94%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 6, 2026
Details
Sterling Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
24 month Share Certificate / CD
$1,000
2.94%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 6, 2026
Details
Sterling Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
IRA Certificate 24 month
$1,000
2.94%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 6, 2026
Details
Denver 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Ent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1499 Wynkoop St Ste 100, Denver, CO 80202 5557
36 Month Flex Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Ent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1499 Wynkoop St Ste 100, Denver, CO 80202 5557
36-Month Flex Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2001 Lincoln St Ste 100, Denver, CO 80202 3802
36 month CD
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
1075 Acoma St, Denver, CO 80204 4326
36 Months**
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2001 Lincoln St Ste 100, Denver, CO 80202 3802
36 month CD
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
900 AURARIA PKWY UNIT 263, DENVER, CO 80204 5800
36 Month Certificate
$1,000
3.40%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 26, 2026
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
1075 S Havana St, Denver, CO 80012 2901
36 Months
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
1075 S Havana St, Denver, CO 80012 2901
HSA CD 36 Months
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
1075 Acoma St, Denver, CO 80204 4326
36 Months**
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
1075 S Havana St, Denver, CO 80012 2901
Smart Move 36 Month CD
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
1075 S Havana St, Denver, CO 80012 2901
Smart Move CD 36 Months
$2,500
3.15%
▼
Rate3.11%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1275 Tremont Pl, Denver, CO 80204 2118
3 Year
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
7800 Smith Rd, Denver, CO 80207
36-Month Certificate of Deposit
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1275 Tremont Pl, Denver, CO 80204 2118
3 Year
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1275 Tremont Pl, Denver, CO 80204 2118
3 Year
$0
2.90%
▼
Rate2.87%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
1601 Wewatta St Ste 300, Denver, CO 80202 6478
36-Month Certificate
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1275 Tremont Pl, Denver, CO 80204 2118
3 Year
$0
2.80%
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Rate4.21%
Min Deposit$250
Min Balance—
UpdatedJul 12, 2026
Details
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
36 Month CD
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
3 Year Jumbo Certificate of Deposit
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus Certificates 36 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 36 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Credit Union of The Rockies
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
36 Month
$500
3.60%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedJul 7, 2026
Details
Credit Union of The Rockies
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
36 Month Certificate
$500
3.60%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedJul 7, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
IRA Certificate 36 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.90%
IRA Certificates (Traditional & Roth) 3 Year
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.90%
36-Month Share Certificate
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.90%
36-Month Jumbo Share Certificate
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Jumbo
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
36-Month Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
36-Month IRA Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
IRA Certificates (One rate bump per term)
Coloramo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.23%
36-Month Certificate
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3 years CD
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
$100,000
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
36 Month
$500
3.23%
▼
Rate3.19%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
IRA 36 Month CD
$0
3.20%
▼
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3 years CD
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
$25,000 - $99,999
Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
36 month
$50,000
3.14%
▼
Rate3.10%
Min Deposit$50,000
Min Balance—
UpdatedJul 6, 2026
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
36 Month Certificate
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3 years CD
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
$1,000 - $24,999
Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
36 month
$10,000
3.08%
▼
Rate3.05%
Min Deposit$10,000
Min Balance—
UpdatedJul 6, 2026
Details
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
IRA Share Certificate 36 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
IRA Share Certificates 36 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Denver 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2001 Lincoln St Ste 100, Denver, CO 80202 3802
48 month CD
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
1075 Acoma St, Denver, CO 80204 4326
48 Months**
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2001 Lincoln St Ste 100, Denver, CO 80202 3802
48 month CD
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
900 AURARIA PKWY UNIT 263, DENVER, CO 80204 5800
48 Month Certificate
$1,000
3.45%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 26, 2026
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
1075 Acoma St, Denver, CO 80204 4326
48 Months**
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1275 Tremont Pl, Denver, CO 80204 2118
4 Year
$0
3.20%
▼
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1275 Tremont Pl, Denver, CO 80204 2118
4 Year
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
7800 Smith Rd, Denver, CO 80207
48-Month Certificate of Deposit
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1275 Tremont Pl, Denver, CO 80204 2118
4 Year
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1275 Tremont Pl, Denver, CO 80204 2118
4 Year
$0
2.90%
▼
Rate2.87%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
4 Year Jumbo Certificate of Deposit
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
IRA Certificate 48 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Credit Union of The Rockies
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
48 Month
$500
3.60%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedJul 7, 2026
Details
Credit Union of The Rockies
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
48 Month Certificate
$500
3.60%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedJul 7, 2026
Details
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
48-Month IRA Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
IRA Certificates (One rate bump per term)
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
48-Month Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Weld Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
48 Month CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
A penalty for early withdrawal may be imposed on certificates of deposit.
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
IRA 48 Month CD
$0
3.20%
▼
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
48 Month
$2,500
3.19%
▼
Rate3.15%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
48 month
$50,000
3.14%
▼
Rate3.10%
Min Deposit$50,000
Min Balance—
UpdatedJul 6, 2026
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
48 Month Certificate
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
48 month
$10,000
3.08%
▼
Rate3.05%
Min Deposit$10,000
Min Balance—
UpdatedJul 6, 2026
Details
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Coloramo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.23%
48-Month Certificate
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
4 years CD
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
$100,000
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
48 Month Certificate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
The District Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
48 Month Certificate
$0
2.45%
▼
Rate2.42%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
4 years CD
$0
2.43%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
$25,000 - $99,999
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
4 years CD
$0
2.32%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
$1,000 - $24,999
Rate1.98%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Denver 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Ent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1499 Wynkoop St Ste 100, Denver, CO 80202 5557
60 Month Certificate
$0
4.15%
▼
Rate4.07%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Ent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1499 Wynkoop St Ste 100, Denver, CO 80202 5557
60-Month Certificate
$0
4.15%
▼
Rate4.07%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2001 Lincoln St Ste 100, Denver, CO 80202 3802
60 month CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
1075 Acoma St, Denver, CO 80204 4326
60 Months**
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2001 Lincoln St Ste 100, Denver, CO 80202 3802
60 month CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
900 AURARIA PKWY UNIT 263, DENVER, CO 80204 5800
60 Month Certificate
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 26, 2026
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
1075 Acoma St, Denver, CO 80204 4326
60 Months**
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
1075 S Havana St, Denver, CO 80012 2901
60 Months
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
1075 S Havana St, Denver, CO 80012 2901
HSA CD 60 Months
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1275 Tremont Pl, Denver, CO 80204 2118
5 Year
$0
3.20%
▼
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
1601 Wewatta St Ste 300, Denver, CO 80202 6478
60-Month Certificate
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1275 Tremont Pl, Denver, CO 80204 2118
5 Year
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
7800 Smith Rd, Denver, CO 80207
60-Month Certificate of Deposit
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1275 Tremont Pl, Denver, CO 80204 2118
5 Year
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1275 Tremont Pl, Denver, CO 80204 2118
5 Year
$0
2.90%
▼
Rate2.87%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Rate4.31%
Min Deposit$250
Min Balance—
UpdatedJul 12, 2026
Details
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
5 Years IRA Certificate
$500
4.09%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
5 Year Jumbo Certificate of Deposit
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus Certificates 60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
60 Month CD
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Credit Union of The Rockies
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
60 Month Certificate
$500
3.60%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedJul 7, 2026
Details
Credit Union of The Rockies
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
60 Month
$500
3.60%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedJul 7, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
IRA Certificate 60 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.90%
IRA Certificates (Traditional & Roth) 5 Year
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
60 Month
$2,500
3.29%
▼
Rate3.25%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
IRA 60 Month CD
$0
3.20%
▼
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
60 month
$50,000
3.14%
▼
Rate3.10%
Min Deposit$50,000
Min Balance—
UpdatedJul 6, 2026
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
60 Month Certificate
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
60 month
$10,000
3.08%
▼
Rate3.05%
Min Deposit$10,000
Min Balance—
UpdatedJul 6, 2026
Details
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Coloramo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.23%
60-Month Certificate
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
The District Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
60 Month Certificate
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
5 years CD
$0
2.58%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
$100,000
Delta County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
5 Year IRA Share Certificate
$2,500
2.52%
▼
Rate2.50%
Min Deposit$2,500
Min Balance—
UpdatedJul 12, 2026
Details
Delta County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
5 Year Share Certificate
$2,500
2.52%
▼
Rate2.50%
Min Deposit$2,500
Min Balance—
UpdatedJul 12, 2026
Details
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
IRA Share Certificate 60 Month
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
IRA Share Certificates 60 Month
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
60 Month Certificate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
5 years CD
$0
2.48%
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
$25,000 - $99,999
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
5 years CD
$0
2.38%
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
$1,000 - $24,999
Rate1.98%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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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.
12-Month CD — CO Avg
2.642%
▲ 0.309 vs 7 days ago
Colorado 12-month CD rates rose 0.309 points over the past 7 days to 2.642% APY.
6-Month CD — CO Avg
1.864%
▲ 0.605 vs 7 days ago
Colorado 6-month CD rates rose 0.605 points over the past 7 days to 1.864% APY.
As of Jul 14, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
CO CD Rate Forecast — Next 12 Months
Where are Colorado CD rates headed through July 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
CO 12-Month Avg APY
2.642%
6-Month Forecast
2.642%
Range: 2.44% – 2.79%
12-Month Forecast
2.392%
Range: 2.19% – 2.54%
Powered by
MonitorBankRates
What Your Savings Earn at CO CD Rates Today
Annual interest earnings at today’s Colorado average APYs. State average used where available; national average as fallback.
| CD Term | CO Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.615% | $80.75 | $161.49 | $403.73 | $807.45 |
| 6-Month CD | 1.864% | $93.20 | $186.40 | $466.00 | $932.00 |
| 12-Month CD | 2.642% | $132.12 | $264.24 | $660.60 | $1,321.20 |
| 18-Month CD | 2.867% | $143.37 | $286.74 | $716.85 | $1,433.70 |
| 24-Month CD | 3.136% | $156.81 | $313.62 | $784.05 | $1,568.10 |
| 36-Month CD | 3.294% | $164.69 | $329.37 | $823.43 | $1,646.85 |
| 48-Month CD | 3.095% | $154.77 | $309.54 | $773.85 | $1,547.70 |
| 60-Month CD | 3.486% | $174.28 | $348.55 | $871.38 | $1,742.75 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of July 12, 2026. | |||||
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.
| Rung | Term | Deposit | CO Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.615% | $80.75 |
| 2 | 6-Month CD | $5,000 | 1.864% | $93.20 |
| 3 | 12-Month CD | $5,000 | 2.642% | $132.12 |
| 4 | 24-Month CD | $5,000 | 3.136% | $156.81 |
| 5 | 36-Month CD | $5,000 | 3.294% | $164.69 |
| Total ($25,000 invested) | $25,000 | 2.510% blended | $627.57/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.
376
CD Rates
Tracked in Denver, Colorado
Tracked in Denver, Colorado
13 Banks
28 Credit Unions
About Our Denver, Colorado CD Rate Database
MonitorBankRates tracks 376 CD rates from 13 banks and 28 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 (1–5), 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: United Fidelity Bank offers a CD at 4.25% 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 28 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 — 41 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Denver, Colorado savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Denver, Colorado money market rates
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
$154/yr
At CO 12-mo avg 2.642% 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 2.642%, saving 10% of the local median salary ($5,809/year) and putting it in a CD would earn an additional $154 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in 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 (90–180 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, Bellco Credit Union is offering its 6 Months at 4.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Ent Credit Union is offering its 60 Month Certificate at 4.15% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for 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:
- United Fidelity Bank: 4.25% APY (18-Month CD Term)
- Ent Credit Union: 4.15% APY (60-Month Certificate)
- Bellco Credit Union: 4.00% APY (6 Months)
- Denver Community Credit Union DBA Zing Credit Union: 3.75% APY (12 Months)
- Colorado Credit Union: 3.75% APY (60 month CD)
- Credit Union Of Denver: 3.65% APY (6 Month Certificate)
- Academy Bank: 3.55% APY (12-Month Certificate of Deposit)
- Credit Union Of Colorado: 3.51% APY (6 Month)
- Sunflower Bank: 3.40% APY (6-Month CD Special)
- Meriwest Credit Union: 3.15% APY (60-Month Certificate)
Rates reflect recent verified offers available in Denver, Colorado. Last Updated: July 12, 2026
CD Calculators for Denver, Colorado
Denver, Colorado CD Calculator
At today’s CO top rate of 4.25% APY, a $10,000 deposit earns $425 in the first year. Enter your amount to see your exact return.
Denver, Colorado CD LadderCO CD rates currently range from 1.615% (3-month) to 3.294% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Denver, Colorado CD at 4.25% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsColorado’s average 12-month CD is 2.642% 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: July 12, 2026
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