CD Rates Fraser, Colorado (CO) for April 2026
Content reviewed by
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 Fraser, Colorado CD rates include United Fidelity BankUnited Fidelity BankA+5.0 ★Texas Ratio: 0.81%Real return: +1.40%APY minus CPI (February 2026) offering 6-Month CD Term at 4.20% APY, Clean Energy Federal Credit UnionClean Energy Federal Credit UnionA+5.0 ★Texas Ratio: 2.17%Real return: +1.27%APY minus CPI (February 2026) offering IRA Certificate of Deposit (CD) 1 year at 4.07% APY, The Dolores State BankThe Dolores State BankA+5.0 ★Texas Ratio: 3.67%Real return: +1.26%APY minus CPI (February 2026) offering 6 Month Certificates of Deposit at 4.06% APY, Colorado Federal Savings BankColorado Federal Savings BankA+5.0 ★Texas Ratio: 0.27%Real return: +1.20%APY minus CPI (February 2026) offering 6 Month CD at 4.00% APY, and 5Star Bank5Star BankA+5.0 ★Texas Ratio: 0.13%Real return: +1.12%APY minus CPI (February 2026) offering 60 Month Variable IRA at 3.92% APY. CD rates as of April 12, 2026 according to verified data from MonitorBankRates.
Fraser is a smaller community with no bank or credit union branches currently in our database. 209 institutions serving the Colorado area are available to Fraser residents, with CD rates as high as 4.20% APY from United Fidelity Bank. 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: April 12, 2026
Compare Best CD Rates in Fraser, Colorado & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Certificates of Deposit 3 Month
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.
Westminster Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.31%
IRA Savings 3-Month
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
North Valley Bank Thornton, CO
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month CD
$1,000
3.44%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Credit Union of The Rockies
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
3 Month Certificates & IRA Certificates
$500
3.40%
▼
Rate3.36%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
3-Month IRA Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
3 month CD's
$500
3.19%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
Share Certificates 3 Month
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$50,000+
Integrity Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 8.24%
3 Month Certificate of Deposit
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
3 Month Certificate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Min Balance: Regular/Business $500, IRA/HSA $100
Foothills Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.50%
3 Month Certificate of Deposit
$1,000
2.25%
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Delta County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
3 Month Share Certificates/CD's
$250
2.02%
▼
Rate2.00%
Min Deposit$250
Min Balance—
UpdatedApr 12, 2026
Details
(youth members only)
Rate1.98%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3 Month Certificates of Deposit (CDs)
$0
1.85%
▼
Rate1.83%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
90 Day Add-on Certificate
$0
1.70%
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Credit Union Of Denver Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
3 Month Certificate
$0
1.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Equitable Savings and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
Jumbo Certificate 3 MONTH
$100,000
0.95%
▼
Rate0.95%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Century SLA
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
3 Mo Jumbo Certificates of Deposit
$100,000
0.65%
▼
Rate0.45%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
FNB of Hugo
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
3 Month CD - Hugo/Limon
$100,000
0.11%
▼
Rate0.11%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
The District Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
3 Month Regular Term Certificate
$500
0.10%
▼
Rate0.10%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
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%
6-Month CD Term
$1,000
4.20%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
6 Month Certificates of Deposit
$1,000
4.06%
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
6 Month CD
$5,000
4.00%
▼
Rate3.92%
Min Deposit$5,000
Min Balance—
UpdatedApr 12, 2026
Details
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.62%
6 Month Share Certificates
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.31%
IRA Savings 6-Month
$500
3.85%
▼
Rate3.78%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
North Valley Bank Thornton, CO
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$1,000
3.79%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
6-Month IRA Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Share & IRA Certificates 6 Month Term
$0
3.72%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
6-month CD
$1,000
3.70%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Open Online
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
Super Jumbo Certificates ** 6 Month
$50,000
3.55%
▼
Rate3.50%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
$50,000
Peoples Credit Union Springfield, CO
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
6 Month Certificate of Deposit
$100
3.53%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
6 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
HAXTUN COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
6 month Share Certificates / CDs
$1,000
3.46%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Credit Union of The Rockies
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
6 Month Baby-Jumbo Certificates & IRA Certificates
$50,000
3.40%
▼
Rate3.35%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
6 month CD's
$2,500
3.39%
▼
Rate3.35%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Integrity Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 8.24%
6 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Sterling Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
6 month Share Certificates / CDs
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
6 Month Add-on Certificate
$0
3.20%
▼
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Equitable Savings and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
IRA Fixed 6 MONTH IRA
$2,000
3.15%
▼
Rate3.10%
Min Deposit$2,000
Min Balance—
UpdatedApr 12, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
6-Month Certificate
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
6 Month Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Min Balance: Regular/Business $500, IRA/HSA $100
Coloramo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
6-Month Certificate
$0
2.80%
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.73%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details
FNB of Hugo
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
6 Month CD - Hugo/Limon
$100,000
2.52%
▼
Rate2.50%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.42%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
$1,000 - $24,999
The District Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
Jumbo Term Certificates 6 Month Certificate
$50,000
2.10%
▼
Rate2.08%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
Delta County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
6 Month Share Certificates/CD's
$2,500
2.02%
▼
Rate2.00%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
6 Month Certificates of Deposit (CDs)
$0
1.70%
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Century SLA
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6 Mo Jumbo Certificates of Deposit
$100,000
0.85%
▼
Rate0.65%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Weld Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Regular and IRA Certificates of Deposit 6 Month Term
$500
0.25%
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
$500 Minimum Opening Deposit Required. Maximum total CD Deposit: $500,000 per person.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
6 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
6-month automatic saver CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
IRA Certificate of Deposit (CD) 1 year
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
12 Month CD
$5,000
3.90%
▼
Rate3.83%
Min Deposit$5,000
Min Balance—
UpdatedApr 12, 2026
Details
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.62%
1 Year Share Certificates
$0
3.86%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificate 12-Month
$0
3.84%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.00%
Jumbo Share Certificates 1 Year
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Peoples Credit Union Springfield, CO
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
12 Month Certificate of Deposit
$100
3.79%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
12-Month IRA Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Share & IRA Certificates 12 Month Term- Jumbo
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Credit Union of The Rockies
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
12 Month First Tracks Certificates & IRA Certificates
$250
3.60%
▼
Rate3.55%
Min Deposit$250
Min Balance—
UpdatedApr 12, 2026
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
Super Jumbo Certificates ** 12 Month
$50,000
3.55%
▼
Rate3.50%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
$50,000
HAXTUN COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
12 month Share Certificates / CDs
$1,000
3.51%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Credit Union Of Denver Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
12 Month Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Coloramo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
12-Month Certificate
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
12 month CD's
$50,000
3.39%
▼
Rate3.35%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
IRAs (Roth & Traditional) - Fixed Rate 12 month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
NuVista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
12 Month Certificate
$500
3.34%
▼
Rate3.29%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Integrity Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 8.24%
12 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Equitable Savings and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
IRA Fixed 12 MONTH IRA
$2,000
3.25%
▼
Rate3.20%
Min Deposit$2,000
Min Balance—
UpdatedApr 12, 2026
Details
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
1 Year IRA Certificates
$500
3.05%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
12 Month Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Min Balance: Regular/Business $500, IRA/HSA $100
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
12-Month Certificate
$0
2.95%
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
FNB of Hugo
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
1 Year CD - Leadville
$100,000
2.83%
▼
Rate2.80%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.52%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.23%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details
FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
1 Year Time Deposit Account
$0
2.15%
▼
Rate2.12%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
The District Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
12 Month Regular Term Certificate
$500
2.00%
▼
Rate1.98%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Delta County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
1 Year Share Certificates/CD's
$2,500
1.81%
▼
Rate1.80%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
12 Month Certificates of Deposit (CDs)
$0
1.60%
▼
Rate1.59%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 year Standard Fixed Rate CD
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
San Luis Valley Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
1 Year CD
$100,000
1.20%
▼
Rate1.19%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Weld Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Regular and IRA Certificates of Deposit 12 Month Term
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
$500 Minimum Opening Deposit Required. Maximum total CD Deposit: $500,000 per person.
First National Bank in Trinidad
Institution Rating:
B+4.8 ★Texas Ratio: 17.17%
12 Month CD
$1,000
0.50%
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
On Deposits up to $100,000
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
1-year convertible CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Qualifying balance up to $49,000.00
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
18 Month CD
$5,000
3.85%
▼
Rate3.78%
Min Deposit$5,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
HAXTUN COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
18 month Share Certificates / CDs
$1,000
3.56%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
18 Month Certificates of Deposit
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Credit Union of The Rockies
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
18 Month Certificates & IRA Certificates
$500
3.50%
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Northern Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
18 MONTH IRA CERT
$1,000
3.35%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
18 Month (Variable Rate) IRA Certificates
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
18 month CD's
$50,000
3.29%
▼
Rate3.25%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
Peoples Credit Union Springfield, CO
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
18 Month Certificate of Deposit
$100
3.27%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
18 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
Super Jumbo Certificates ** 18 Month
$50,000
3.20%
▼
Rate3.16%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
$50,000
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
18-Month Certificate of Deposit
$500
3.10%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
18 Month Certificate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Min Balance: Regular/Business $500, IRA/HSA $100
Rate2.42%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
The District Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
18 Month Regular Term Certificate
$500
2.05%
▼
Rate2.03%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate1.98%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details
Delta County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
18 Month Share Certificates/CD's
$2,500
1.76%
▼
Rate1.75%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Century SLA
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
18 Mo IRA Certificates of Deposit
$1,000
0.70%
▼
Rate0.70%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
First National Bank in Trinidad
Institution Rating:
B+4.8 ★Texas Ratio: 17.17%
18 Month CD
$1,000
0.60%
▼
Rate0.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
On Deposits up to $100,000
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
24 Month CD
$5,000
3.80%
▼
Rate3.73%
Min Deposit$5,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.72%
Min Deposit$250
Min Balance—
UpdatedApr 12, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Share & IRA Certificates 24 Month Term- Jumbo
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.31%
IRA Certificates 2 Year
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
24-month CD
$1,000
3.51%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Open Online
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
24-Month IRA Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Foothills Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.50%
24 Month Certificate of Deposit
$1,000
3.45%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Coloramo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
24-Month Certificate
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
You may step up your rate one time to the current rate of the equivalent term. Certificate will automatically renew to a fixed rate CD of the equivalent term with the current rate at renewal.
Peoples Credit Union Springfield, CO
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
24 Month Certificate of Deposit
$100
3.32%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
24 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Northern Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
24 MONTH IRA CERT
$1,000
3.26%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
HAXTUN COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
24 month Share Certificates / CDs
$1,000
3.21%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
Super Jumbo Certificates ** 24 Month
$50,000
3.20%
▼
Rate3.16%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
$50,000
Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
24 month CD's
$50,000
3.14%
▼
Rate3.10%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
24-Month Certificate of Deposit
$500
3.10%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Integrity Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 8.24%
2 Year Certificate of Deposit
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Credit Union Of Denver Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
24 Month Term Starter Certificate
$25
3.00%
▼
Rate—
Min Deposit$25
Min Balance—
UpdatedApr 12, 2026
Details
Sterling Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
24 month Share Certificates / CDs
$1,000
2.94%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
24-Month Certificate
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
FNB of Hugo
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
2 Year CD - Leadville
$100,000
2.72%
▼
Rate2.70%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
24 Month Certificate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Min Balance: Regular/Business $500, IRA/HSA $100
NuVista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
High Balance Share Certificate Accounts 24 Month Certificate
$50,000
2.27%
▼
Rate2.25%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
The District Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
Jumbo Term Certificates 24 Month Certificate
$50,000
2.25%
▼
Rate2.23%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate1.98%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details
Delta County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
2 Year Share Certificates/CD's
$2,500
1.86%
▼
Rate1.85%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2 Year Time Deposit Account
$0
1.85%
▼
Rate1.83%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
24 Month Certificates of Deposit (CDs)
$0
1.55%
▼
Rate1.54%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Weld Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Regular and IRA Certificates of Deposit 24 Month Term
$500
1.25%
▼
Rate1.24%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
$500 Minimum Opening Deposit Required. Maximum total CD Deposit: $500,000 per person.
First National Bank in Trinidad
Institution Rating:
B+4.8 ★Texas Ratio: 17.17%
24 Month CD
$1,000
0.70%
▼
Rate0.70%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
On Deposits up to $100,000
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rate3.71%
Min Deposit$250
Min Balance—
UpdatedApr 12, 2026
Details
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
36 Month CD
$5,000
3.75%
▼
Rate3.68%
Min Deposit$5,000
Min Balance—
UpdatedApr 12, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 36 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Share & IRA Certificates 36 Month Term
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Credit Union of The Rockies
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
36 Month Certificates & IRA Certificates
$500
3.60%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
3 Year Certificates of Deposit
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Equitable Savings and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
IRA Fixed 36 MONTH IRA
$2,000
3.46%
▼
Rate3.40%
Min Deposit$2,000
Min Balance—
UpdatedApr 12, 2026
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.31%
IRA Certificates 3 Year
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
36-Month IRA Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Foothills Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.50%
36 Month Certificate of Deposit
$1,000
3.35%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
36 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
North Valley Bank Thornton, CO
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Year CD
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
36 month CD's
$50,000
3.24%
▼
Rate3.20%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
Super Jumbo Certificates ** 36 Month
$50,000
3.20%
▼
Rate3.16%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
$50,000
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
36-Month Certificate of Deposit
$500
3.03%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 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—
UpdatedApr 12, 2026
Details
$50,000+
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
36-Month Certificate
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Integrity Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 8.24%
3 Year Certificate of Deposit
$0
2.84%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Peoples Credit Union Springfield, CO
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
36 Month Certificate of Deposit
$100
2.83%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
36 Month Certificate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Min Balance: Regular/Business $500, IRA/HSA $100
The District Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
Jumbo Term Certificates 36 Month Certificate
$50,000
2.35%
▼
Rate2.33%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
NuVista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
36 Month Certificate
$500
2.27%
▼
Rate2.25%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Delta County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
3 Year Share Certificates/CD's
$2,500
2.07%
▼
Rate2.05%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Weld Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Regular and IRA Certificates of Deposit 36 Month Term
$500
2.00%
▼
Rate1.98%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
$500 Minimum Opening Deposit Required. Maximum total CD Deposit: $500,000 per person.
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
36 Month Certificates of Deposit (CDs)
$0
1.55%
▼
Rate1.54%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Share & IRA Certificates 48 Month Term
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Credit Union of The Rockies
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
48 Month Baby-Jumbo Certificates & IRA Certificates
$50,000
3.60%
▼
Rate3.55%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
Equitable Savings and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
IRA Fixed 48 MONTH IRA
$2,000
3.56%
▼
Rate3.50%
Min Deposit$2,000
Min Balance—
UpdatedApr 12, 2026
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
4 Year Certificates of Deposit
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Credit Union Of Denver Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
48 Month Certificate
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
48-Month IRA Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
48 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
48 month CD's
$50,000
3.24%
▼
Rate3.20%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
Super Jumbo Certificates ** 48 Month
$50,000
3.20%
▼
Rate3.16%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
$50,000
Northern Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
48 MONTH IRA CERT
$1,000
3.10%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
48-Month Certificate of Deposit
$500
3.03%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Coloramo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
48-Month Certificate
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Peoples Credit Union Springfield, CO
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
48 Month Certificate of Deposit
$100
2.83%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
NuVista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
48 Month Certificate
$500
2.53%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
48 Month Certificate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Min Balance: Regular/Business $500, IRA/HSA $100
The District Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
Jumbo Term Certificates 48 Month Certificate
$50,000
2.45%
▼
Rate2.42%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate1.98%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
48 Month Certificates of Deposit (CDs)
$0
1.60%
▼
Rate1.59%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rate3.85%
Min Deposit$250
Min Balance—
UpdatedApr 12, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Equitable Savings and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
IRA Fixed 60 MONTH IRA
$2,000
3.67%
▼
Rate3.60%
Min Deposit$2,000
Min Balance—
UpdatedApr 12, 2026
Details
Credit Union of The Rockies
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
60 Month Baby-Jumbo Certificates & IRA Certificates
$50,000
3.60%
▼
Rate3.55%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
5 Year Certificates of Deposit
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Credit Union Of Denver Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
60 Month Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.31%
IRA Certificates 5 Year
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
60 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Foothills Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.50%
60 Month Certificate of Deposit
$1,000
3.25%
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
60 month CD's
$50,000
3.24%
▼
Rate3.20%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
Super Jumbo Certificates ** 60 Month
$50,000
3.20%
▼
Rate3.16%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
$50,000
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
60-Month Certificate
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
60-Month Certificate of Deposit
$500
3.03%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Coloramo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
60-Month Certificate
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Peoples Credit Union Springfield, CO
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
60 Month Certificate of Deposit
$100
2.83%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
Integrity Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 8.24%
5 Year Certificate of Deposit
$0
2.79%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
NuVista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
60 Month Certificate
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
The District Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
Jumbo Term Certificates 60 Month Certificate
$50,000
2.60%
▼
Rate2.57%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
Delta County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
5 Year Share Certificates/CD's
$2,500
2.52%
▼
Rate2.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
60 Month Certificate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Min Balance: Regular/Business $500, IRA/HSA $100
FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
5 Year Time Deposit Account
$0
1.80%
▼
Rate1.78%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
60 Month Certificates of Deposit (CDs)
$0
1.65%
▼
Rate1.64%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
You may step up your rate one time to the current rate of the equivalent term. Certificate will automatically renew to a fixed rate CD of the equivalent term with the current rate at renewal.
Verus Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA certificates of deposit 60 month + <
$1,000
0.45%
▼
Rate0.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
$100,000
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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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Fraser, CO CD Rate Trends
Compare local Fraser, 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
2.371%
▲ 0.369 vs 7 days ago
Colorado 12-month CD rates rose 0.369 points over the past 7 days to 2.371% APY.
6-Month CD — CO Avg
2.495%
▼ 0.509 vs 7 days ago
Colorado 6-month CD rates fell 0.509 points over the past 7 days to 2.495% APY.
As of Apr 12, 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 April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
CO 12-Month Avg APY
2.371%
6-Month Forecast
2.371%
Range: 2.17% – 2.52%
12-Month Forecast
2.121%
Range: 1.92% – 2.27%
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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 | 1.739% | $86.93 | $173.86 | $434.65 | $869.30 |
| 6-Month CD | 2.495% | $124.73 | $249.45 | $623.63 | $1,247.25 |
| 12-Month CD | 2.371% | $118.53 | $237.06 | $592.65 | $1,185.30 |
| 18-Month CD | 2.862% | $143.08 | $286.15 | $715.38 | $1,430.75 |
| 24-Month CD | 2.241% | $112.04 | $224.08 | $560.20 | $1,120.40 |
| 36-Month CD | 2.967% | $148.35 | $296.70 | $741.75 | $1,483.50 |
| 48-Month CD | 3.018% | $150.92 | $301.84 | $754.60 | $1,509.20 |
| 60-Month CD | 2.732% | $136.62 | $273.24 | $683.10 | $1,366.20 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 12, 2026. | |||||
Sample CD Ladder for Fraser, 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 | 1.739% | $86.93 |
| 2 | 6-Month CD | $5,000 | 2.495% | $124.73 |
| 3 | 12-Month CD | $5,000 | 2.371% | $118.53 |
| 4 | 24-Month CD | $5,000 | 2.241% | $112.04 |
| 5 | 36-Month CD | $5,000 | 2.967% | $148.35 |
| Total ($25,000 invested) | $25,000 | 2.362% blended | $590.58/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.
183
CD Rates Tracked
in Fraser, Colorado
in Fraser, Colorado
23 Banks
29 Credit Unions
About Our Fraser, Colorado CD Rate Database
MonitorBankRates tracks 183 CD rates from 52 institutions in Fraser, Colorado, including both local community banks and credit unions and national institutions with a presence in this area. 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 4.20% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Fraser, Colorado.
How to Find the Best CD Rates in Fraser, Colorado
What to compare when shopping for a CD in Fraser, Colorado
To find the best APYs in Fraser, Colorado, start with credit unions and online-only banks — Fraser, Colorado has 29 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 Fraser, 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 Fraser, Colorado — 52 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Fraser, Colorado savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Fraser, Colorado money market rates
Fraser, Colorado Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
6.9%
National avg: 17.3%
Median Individual Earnings
$44,397
National avg: $47,340
Poverty Rate
9.4%
National avg: 11.1%
Unemployment Rate
4.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$105/yr
At CO 12-mo avg 2.371% APY
6.9% of residents are 65 or older — below the national average of 17.3%. At today’s CO 12-month CD average of 2.371%, saving 10% of the local median salary ($4,439/year) and putting it in a CD would earn an additional $105 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 Fraser, 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 |
Frequently Asked Questions about CD Rates in Fraser, Colorado
Are CD rates in Fraser, Colorado FDIC insured?
Yes, most established banks in Fraser, 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 Fraser, 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 Fraser, 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 Fraser, 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 Fraser, Colorado?
Here are recent top rates found for this area:
- United Fidelity Bank: 4.20% APY (6-Month CD Term)
- Clean Energy Federal Credit Union: 4.07% APY (IRA Certificate of Deposit (CD) 1 year)
- The Dolores State Bank: 4.06% APY (6 Month Certificates of Deposit)
- Colorado Federal Savings Bank: 4.00% APY (6 Month CD)
- 5Star Bank: 3.92% APY (60 Month Variable IRA)
- Power Credit Union: 3.91% APY (6 Month Share Certificates)
- Austin Capital Bank: 3.91% APY (Certificates of Deposit 3 Month)
- Westminster Federal Credit Union: 3.85% APY (IRA Savings 6-Month)
- Northrop Grumman Federal Credit Union: 3.84% APY (Bonus Certificate 12-Month)
- Columbine Federal Credit Union: 3.80% APY (Jumbo Share Certificates 1 Year)
Rates reflect recent verified offers available in Fraser, Colorado. Last Updated: April 12, 2026
CD Calculators for Fraser, Colorado
Fraser, Colorado CD Calculator
At today’s CO top rate of 4.20% APY, a $10,000 deposit earns $420 in the first year. Enter your amount to see your exact return.
Fraser, Colorado CD LadderCO CD rates currently range from 1.739% (3-month) to 2.967% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Fraser, Colorado CD at 4.20% 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 2.371% 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
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Fraser, 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 pulling data straight 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 Fraser, 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: April 12, 2026
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