Grand Junction, Colorado Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Grand Junction, Colorado CD rates range from 0.01% to 5.12% APY, verified by MonitorBankRates as of October 14, 2026. Current Grand Junction, Colorado CD rates include Bellco Credit UnionBellco Credit Union2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505A5.0 ★Texas Ratio: 9.71%Real return: +1.30%APY minus CPI (February 2026) offering 60 Month Business CDs at 4.10% APY, ANB BankANB Bank2608 N 12th St, Grand Junction, CO 81501A+5.0 ★Texas Ratio: 3.70%Real return: +1.10%APY minus CPI (February 2026) offering Business Certificates of Deposit - 60 Month at 3.90% APY, Credit Union Of ColoradoCredit Union Of Colorado202 Main St, Grand Junction, CO 81501A+5.0 ★Texas Ratio: 4.37%Real return: +1.00%APY minus CPI (February 2026) offering 1 Year Traditional Certificate of Deposit (CD) at 3.80% APY, Rio Grande Federal Credit UnionRio Grande Federal Credit Union760 Rood Ave, Grand Junction, CO 81501 3408A+5.0 ★Texas Ratio: 0.05%Real return: +0.85%APY minus CPI (February 2026) offering CD 12 Month at 3.65% APY, and Coloramo Federal Credit UnionColoramo Federal Credit Union516 28 Rd, Grand Junction, CO 81501A+5.0 ★Texas Ratio: 4.51%Real return: +0.60%APY minus CPI (February 2026) offering 12 Month Share or IRA Certificate at 3.40% APY. CD rates as of October 14, 2026 according to verified data from MonitorBankRates.
Grand Junction has 138 local institutions in our database, with CD rates as high as 4.10% APY from Bellco Credit Union at 2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Colorado area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 14, 2026
Compare Best CD Rates in Grand Junction, Colorado & the Surrounding Area
Grand Junction 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Grand Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
570 25 Rd, Grand Junction, CO 81505
3 Month Certificate
$500
3.20%
▲ 0.86% above Colorado avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average2.34%▲ 0.86% above avgNationally 2.09%
Details
.25% bonus for Star and Senior Accounts!
Rate History
1 change since Sep 24, 2026 · 3.10% → 3.20% ▲ 0.10 pts · high 3.20% / low 3.10%
- Oct 12, 20263.20%▲ from 3.10%
- Sep 24, 20263.10%first recorded
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
2608 N 12th St, Grand Junction, CO 81501
Business Certificates of Deposit - 90 Day
$0
3.00%
▲ 0.66% above Colorado avg
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average2.34%▲ 0.66% above avgNationally 2.09%
Details
Balance: $1,000 or more
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 7 times
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
2608 N 12th St, Grand Junction, CO 81501
Certificates of Deposit - 90 Day
$0
3.00%
▲ 0.66% above Colorado avg
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average2.34%▲ 0.66% above avgNationally 2.09%
Details
Balance: $1,000 or more
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 7 times
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
760 Rood Ave, Grand Junction, CO 81501 3408
CD 3 Month
$10,000
2.75%
▲ 0.41% above Colorado avg
▼
Rate2.73%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average2.34%▲ 0.41% above avgNationally 2.09%
Details
$10,000 Minimum
Rate History
No change since Sep 16, 2026 · 2.75% APY · checked 4 times
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
3 Month Business CDs
$0
2.75%
▲ 0.41% above Colorado avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average2.34%▲ 0.41% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 8 times
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
3 Month Business Traditional CD
$0
2.75%
▲ 0.41% above Colorado avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average2.34%▲ 0.41% above avgNationally 2.09%
Details
Minimum Balance to Earn APY
Rate History
No change since Oct 14, 2026 · 2.75% APY
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
3 Month IRA CD
$0
2.75%
▲ 0.41% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average2.34%▲ 0.41% above avgNationally 2.09%
Details
IRA & Coverdell CDs; $500 minimum account balance
Rate History
No change since Sep 21, 2026 · 2.75% APY · checked 3 times
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
3 Month Traditional CD
$0
2.75%
▲ 0.41% above Colorado avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average2.34%▲ 0.41% above avgNationally 2.09%
Details
Balance: $500 Minimum to Earn APY
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 8 times
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
Traditional CD - 3 Months
$0
2.75%
▲ 0.41% above Colorado avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average2.34%▲ 0.41% above avgNationally 2.09%
Details
Minimum Balance to Earn APY: $500
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 8 times
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
202 Main St, Grand Junction, CO 81501
90 Day Traditional Certificate of Deposit (CD)
$0
2.00%
▼ 0.34% below Colorado avg
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.34%▼ 0.34% below avgNationally 2.09%
Details
Balance: $100,000 and over; Deposits over $25,000
Rate History
No change since Oct 13, 2026 · 2.00% APY
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
202 Main St, Grand Junction, CO 81501
90 Day Traditional Certificate of Deposit (CD)
$0
1.90%
▼ 0.44% below Colorado avg
▼
Rate1.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.34%▼ 0.44% below avgNationally 2.09%
Details
Balance: $25,000 - $99,999.99; Deposits over $25,000
Rate History
No change since Oct 13, 2026 · 1.90% APY
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
202 Main St, Grand Junction, CO 81501
Traditional Certificate of Deposit (CD) - 90 Day
$0
1.80%
▼ 0.54% below Colorado avg
▼
Rate1.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.34%▼ 0.54% below avgNationally 2.09%
Details
Deposits under $25,000; Account Balance $10,000
Rate History
No change since Sep 14, 2026 · 1.80% APY · checked 5 times
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
202 Main St, Grand Junction, CO 81501
Traditional Certificate of Deposit (CD) - 90 Day
$0
1.70%
▼ 0.64% below Colorado avg
▼
Rate1.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.34%▼ 0.64% below avgNationally 2.09%
Details
Deposits under $25,000; Account Balance $500; APY at $500 balance: 1.70%
Rate History
No change since Sep 14, 2026 · 1.70% APY · checked 5 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
2415 Patterson Rd, Grand Junction, CO 81505
3 month Standard Fixed Rate CD - Relationship
$2,500
0.06%
▼ 2.28% below Colorado avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average2.34%▼ 2.28% below avgNationally 2.09%
Details
Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
2415 Patterson Rd, Grand Junction, CO 81505
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.29% below Colorado avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average2.34%▼ 2.29% below avgNationally 2.09%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 4 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1211 N 7th St, Grand Junction, CO 81501
3 Month IRA Certificate of Deposit
$0
0.05%
▼ 2.29% below Colorado avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average2.34%▼ 2.29% below avgNationally 2.09%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1211 N 7th St, Grand Junction, CO 81501
3 Month Standard CD
$1,000
0.05%
▼ 2.29% below Colorado avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average2.34%▼ 2.29% below avgNationally 2.09%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month CD
$1,000
4.58%
▲ 2.24% above Colorado avg
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average2.34%▲ 2.24% above avgNationally 2.09%
Details
APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.
Rate History
1 change since Sep 14, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
- Oct 7, 20264.58%▲ from 4.32%
- Sep 14, 20264.32%first recorded
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
3 Month CD
$0
4.14%
▲ 1.80% above Colorado avg
▼
Rate4.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average2.34%▲ 1.80% above avgNationally 2.09%
Details
Annual Percentage Yield is current as of September 21, 2026; a penalty may be imposed for early withdrawal; certificate automatically renews to a fixed rate CD of the equivalent term at the current rate
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.14% ▲ 0.54 pts · high 4.14% / low 3.60%
- Sep 24, 20264.14%▲ from 3.60%
- Sep 14, 20263.60%first recorded
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3-Month Time Deposit Account
$500
3.85%
▲ 1.51% above Colorado avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average2.34%▲ 1.51% above avgNationally 2.09%
Details
Limited time special offer; Balance under $100k; Jumbo ($100,000+) balances require a branch; Not available for individual retirement or business accounts; Open Online
Rate History
1 change since Sep 24, 2026 · 3.80% → 3.85% ▲ 0.05 pts · high 3.85% / low 3.80%
- Oct 14, 20263.85%▲ from 3.80%
- Sep 24, 20263.80%first recorded
Wings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
3 Month Standard CD
$500
3.75%
▲ 1.41% above Colorado avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average2.34%▲ 1.41% above avgNationally 2.09%
Details
Standard Certificate of Deposit; rate is fixed for the term
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
High Plains Bank Flagler, CO
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
Higher Yield CDs - 3 Month CD
$250
3.70%
▲ 1.36% above Colorado avg
▼
Rate3.63%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average2.34%▲ 1.36% above avgNationally 2.09%
Details
Penalty may be imposed for early withdrawal.
Rate History
No change since Oct 14, 2026 · 3.70% APY
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Month Certificate of Deposit
$0
3.70%
▲ 1.36% above Colorado avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average2.34%▲ 1.36% above avgNationally 2.09%
Details
Balance: $100.00+; Compounded/Credited: Monthly
Rate History
1 change since Sep 18, 2026 · 3.30% → 3.70% ▲ 0.40 pts · high 3.70% / low 3.30%
- Oct 14, 20263.70%▲ from 3.30%
- Sep 18, 20263.30%first recorded
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
3 Month CD
$0
3.65%
▲ 1.31% above Colorado avg
▼
Rate3.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average2.34%▲ 1.31% above avgNationally 2.09%
Details
Early Withdrawal Penalty: 1 Month of Interest; Individuals only
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 8 times
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
3 Month Certificate of Deposit
$0
3.50%
▲ 1.16% above Colorado avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average2.34%▲ 1.16% above avgNationally 2.09%
Details
CD Term (Minimum Balance $500); Accurate as of 09/30/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
CD - 3 months
$0
3.50%
▲ 1.16% above Colorado avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average2.34%▲ 1.16% above avgNationally 2.09%
Details
Rate History
No change since Oct 2, 2026 · 3.50% APY · checked 2 times
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
Share Certificate - 3-Month
$500
3.50%
▲ 1.16% above Colorado avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.34%▲ 1.16% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 2 times
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 10.44%
Certificate - 3 Month
$500
3.40%
▲ 1.06% above Colorado avg
▼
Rate3.36%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.34%▲ 1.06% above avgNationally 2.09%
Details
Certificates & IRA Certificates; Penalties for early withdrawal may apply and may reduce earnings
Rate History
No change since Oct 13, 2026 · 3.40% APY
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 10.44%
Certificates & IRA Certificates - 3 Month
$500
3.40%
▲ 1.06% above Colorado avg
▼
Rate3.36%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.34%▲ 1.06% above avgNationally 2.09%
Details
Rate History
No change since Oct 13, 2026 · 3.40% APY
Holyoke Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
3 Month CD
$500
3.29%
▲ 0.95% above Colorado avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average2.34%▲ 0.95% above avgNationally 2.09%
Details
Rate History
No change since Sep 25, 2026 · 3.29% APY · checked 4 times
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
Certificates of Deposit - 3 Month
$500
3.29%
▲ 0.95% above Colorado avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average2.34%▲ 0.95% above avgNationally 2.09%
Details
Compounded: Quarterly
Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 6 times
Golden Belt Bank, FSA
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
3 Month CD
$1,000
3.25%
▲ 0.91% above Colorado avg
▼
Rate3.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average2.34%▲ 0.91% above avgNationally 2.09%
Details
Rates listed are valid for personal accounts only. Early withdrawal penalty may be imposed.
Rate History
No change since Oct 14, 2026 · 3.25% APY
North Valley Bank Thornton, CO
Institution Rating:
A5.0 ★Texas Ratio: 13.05%
3 Month CD
$1,000
3.24%
▲ 0.90% above Colorado avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average2.34%▲ 0.90% above avgNationally 2.09%
Details
Rate History
No change since Sep 15, 2026 · 3.24% APY · checked 6 times
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
3 Month Time Certificates - Fixed Rate
$0
3.20%
▲ 0.86% above Colorado avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average2.34%▲ 0.86% above avgNationally 2.09%
Details
Rate History
1 change since Sep 19, 2026 · 2.80% → 3.20% ▲ 0.40 pts · high 3.20% / low 2.80%
- Sep 24, 20263.20%▲ from 2.80%
- Sep 19, 20262.80%first recorded
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
3 Month Term Certificates
$0
3.10%
▲ 0.76% above Colorado avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average2.34%▲ 0.76% above avgNationally 2.09%
Details
Dividend Rate 3.06%; APY if dividends are not withdrawn during the term
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 5 times
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
Share Certificate 3 Months
$500
3.00%
▲ 0.66% above Colorado avg
▼
Rate2.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.34%▲ 0.66% above avgNationally 2.09%
Details
Dividend rate for $500 and up
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
3 Month Share Certificates
$500
2.75%
▲ 0.41% above Colorado avg
▼
Rate2.71%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average2.34%▲ 0.41% above avgNationally 2.09%
Details
Balance: $10,000.00 - $24,999.99
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
3 Month Certificate
$0
2.75%
▲ 0.41% above Colorado avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average2.34%▲ 0.41% above avgNationally 2.09%
Details
Standard (Min Balance: $500); Highest APY includes 0.25% boost with active Summit Dividend Checking
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 5 times
Integrity Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
3 Month Certificate of Deposit
$0
2.52%
▲ 0.18% above Colorado avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average2.34%▲ 0.18% above avgNationally 2.09%
Details
Rate History
No change since Sep 19, 2026 · 2.52% APY · checked 3 times
First FarmBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
3 Month Certificate
$1,000
2.50%
▲ 0.16% above Colorado avg
▼
Rate2.48%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average2.34%▲ 0.16% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 2.50% APY · checked 2 times
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
3 Month Certificate
$500
2.50%
▲ 0.16% above Colorado avg
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average2.34%▲ 0.16% above avgNationally 2.09%
Details
Rate History
No change since Sep 22, 2026 · 2.50% APY · checked 5 times
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
Certificates (IRA, HSA) - 3 Month Certificate
$0
2.50%
▲ 0.16% above Colorado avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average2.34%▲ 0.16% above avgNationally 2.09%
Details
Standard (Min Balance: $100)
Rate History
No change since Oct 14, 2026 · 2.50% APY
San Luis Valley Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
3 Months Certificate
$100,000
2.29%
▼ 0.05% below Colorado avg
▼
Rate2.27%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average2.34%▼ 0.05% below avgNationally 2.09%
Details
Tier 2
Rate History
No change since Oct 7, 2026 · 2.29% APY · checked 2 times
Foothills Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.96%
Certificate of Deposit - 3 Month
$0
2.25%
▼ 0.09% below Colorado avg
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.34%▼ 0.09% below avgNationally 2.09%
Details
Rate History
No change since Oct 13, 2026 · 2.25% APY
Delta County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3 Month Share Certificate
$250
2.02%
▼ 0.32% below Colorado avg
▼
Rate2.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.34%▼ 0.32% below avgNationally 2.09%
Details
Youth members only
Rate History
No change since Sep 21, 2026 · 2.02% APY · checked 2 times
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
3 Month Business Certificates of Deposit (CDs)
$0
1.85%
▼ 0.49% below Colorado avg
▼
Rate1.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.34%▼ 0.49% below avgNationally 2.09%
Details
APY based on minimum account balance of $500; dividends paid monthly
Rate History
No change since Sep 14, 2026 · 1.85% APY · checked 6 times
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
3 Month Certificates of Deposit (CDs)
$0
1.85%
▼ 0.49% below Colorado avg
▼
Rate1.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.34%▼ 0.49% below avgNationally 2.09%
Details
Certificates of Deposit (CDs) minimum balance $500
Rate History
No change since Sep 14, 2026 · 1.85% APY · checked 6 times
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
Individual Retirement Account (IRA) CDs - 3 Month
$0
1.85%
▼ 0.49% below Colorado avg
▼
Rate1.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.34%▼ 0.49% below avgNationally 2.09%
Details
Rate History
No change since Sep 22, 2026 · 1.85% APY · checked 3 times
San Luis Valley Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
3 Month CD
$1,000
1.69%
▼ 0.65% below Colorado avg
▼
Rate1.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average2.34%▼ 0.65% below avgNationally 2.09%
Details
Tier 2 ($100,000.00+): Rate 2.27%, APY 2.29%
Rate History
No change since Oct 7, 2026 · 1.69% APY · checked 2 times
San Luis Valley Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
3 Months Certificate
$1,000
1.69%
▼ 0.65% below Colorado avg
▼
Rate1.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average2.34%▼ 0.65% below avgNationally 2.09%
Details
Tier 1
Rate History
No change since Oct 7, 2026 · 1.69% APY · checked 2 times
Grand Junction 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
6 Month Business CDs
$0
3.85%
▲ 0.67% above Colorado avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.18%▲ 0.67% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 8 times
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
6 Month Business Traditional CD
$0
3.85%
▲ 0.67% above Colorado avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.18%▲ 0.67% above avgNationally 2.77%
Details
Minimum Balance to Earn APY
Rate History
No change since Oct 14, 2026 · 3.85% APY
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
6 Month IRA CD
$0
3.85%
▲ 0.67% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.18%▲ 0.67% above avgNationally 2.77%
Details
IRA & Coverdell CDs; $500 minimum account balance
Rate History
No change since Sep 21, 2026 · 3.85% APY · checked 3 times
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
6 Month IRA Jumbo CD
$0
3.85%
▲ 0.67% above Colorado avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.18%▲ 0.67% above avgNationally 2.77%
Details
Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 7 times
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
6 Month Jumbo CD
$0
3.85%
▲ 0.67% above Colorado avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.18%▲ 0.67% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 8 times
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
6 Month Traditional CD
$0
3.85%
▲ 0.67% above Colorado avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.18%▲ 0.67% above avgNationally 2.77%
Details
Balance: $500 Minimum to Earn APY
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 8 times
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
Traditional CD - 6 Months
$0
3.85%
▲ 0.67% above Colorado avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.18%▲ 0.67% above avgNationally 2.77%
Details
Minimum Balance to Earn APY: $500
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 8 times
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
202 Main St, Grand Junction, CO 81501
6 Month Traditional Certificate of Deposit (CD)
$0
3.60%
▲ 0.42% above Colorado avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.18%▲ 0.42% above avgNationally 2.77%
Details
Balance: $100,000 and over; Deposits over $25,000
Rate History
No change since Oct 13, 2026 · 3.60% APY
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
202 Main St, Grand Junction, CO 81501
6 Month Traditional Certificate of Deposit (CD)
$0
3.51%
▲ 0.33% above Colorado avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.18%▲ 0.33% above avgNationally 2.77%
Details
Balance: $25,000 - $99,999.99; Deposits over $25,000
Rate History
No change since Oct 13, 2026 · 3.51% APY
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
760 Rood Ave, Grand Junction, CO 81501 3408
CD 6 Month
$10,000
3.50%
▲ 0.32% above Colorado avg
▼
Rate3.47%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.18%▲ 0.32% above avgNationally 2.77%
Details
$10,000 Minimum
Rate History
No change since Sep 16, 2026 · 3.50% APY · checked 4 times
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
202 Main St, Grand Junction, CO 81501
Traditional Certificate of Deposit (CD) - 6 Month
$0
3.40%
▲ 0.22% above Colorado avg
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.18%▲ 0.22% above avgNationally 2.77%
Details
Deposits under $25,000; Account Balance $10,000
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 5 times
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
202 Main St, Grand Junction, CO 81501
Traditional Certificate of Deposit (CD) - 6 Month
$0
3.30%
▲ 0.12% above Colorado avg
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.18%▲ 0.12% above avgNationally 2.77%
Details
Deposits under $25,000; Account Balance $500
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 5 times
Grand Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
570 25 Rd, Grand Junction, CO 81505
6 Month Certificate
$500
3.20%
▲ 0.02% above Colorado avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.18%▲ 0.02% above avgNationally 2.77%
Details
.25% bonus for Star and Senior Accounts!
Rate History
1 change since Sep 24, 2026 · 3.10% → 3.20% ▲ 0.10 pts · high 3.20% / low 3.10%
- Oct 12, 20263.20%▲ from 3.10%
- Sep 24, 20263.10%first recorded
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
2608 N 12th St, Grand Junction, CO 81501
Business Certificates of Deposit - 180 Day
$0
3.10%
▼ 0.08% below Colorado avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.18%▼ 0.08% below avgNationally 2.77%
Details
Balance: $1,000 or more
Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 7 times
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
2608 N 12th St, Grand Junction, CO 81501
Certificates of Deposit - 180 Day
$0
3.10%
▼ 0.08% below Colorado avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.18%▼ 0.08% below avgNationally 2.77%
Details
Balance: $1,000 or more
Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 7 times
Coloramo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
516 28 Rd, Grand Junction, CO 81501
6 Month Share or IRA Certificate
$0
2.40%
▼ 0.78% below Colorado avg
▼
Rate2.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.18%▼ 0.78% below avgNationally 2.77%
Details
Effective Date: October 1, 2026
Rate History
No change since Oct 14, 2026 · 2.40% APY
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
2415 Patterson Rd, Grand Junction, CO 81505
6 month Standard Fixed Rate CD - Relationship
$2,500
0.06%
▼ 3.12% below Colorado avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.18%▼ 3.12% below avgNationally 2.77%
Details
Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
2415 Patterson Rd, Grand Junction, CO 81505
6 month Standard Fixed Rate CD
$2,500
0.05%
▼ 3.13% below Colorado avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.18%▼ 3.13% below avgNationally 2.77%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 3 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1211 N 7th St, Grand Junction, CO 81501
6 Month IRA Certificate of Deposit
$0
0.05%
▼ 3.13% below Colorado avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.18%▼ 3.13% below avgNationally 2.77%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1211 N 7th St, Grand Junction, CO 81501
6 Month Standard CD
$1,000
0.05%
▼ 3.13% below Colorado avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.18%▼ 3.13% below avgNationally 2.77%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
6-Month CD
$1,000
4.40%
▲ 1.22% above Colorado avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.18%▲ 1.22% above avgNationally 2.77%
Details
Rate History
1 change since Sep 16, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 12, 20264.40%▲ from 4.35%
- Sep 16, 20264.35%first recorded
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
6 Month Fixed-rate Certificate of Deposit
$50,000
4.35%
▲ 1.17% above Colorado avg
▼
Rate4.35%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.18%▲ 1.17% above avgNationally 2.77%
Details
Interest paid quarterly via ACH; Withdrawal before maturity is not permitted
Rate History
No change since Oct 14, 2026 · 4.35% APY
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month CD
$1,000
4.30%
▲ 1.12% above Colorado avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.18%▲ 1.12% above avgNationally 2.77%
Details
APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.
Rate History
1 change since Sep 14, 2026 · 4.04% → 4.30% ▲ 0.26 pts · high 4.30% / low 4.04%
- Oct 7, 20264.30%▲ from 4.04%
- Sep 14, 20264.04%first recorded
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.91%
6 Month IRA Certificate of Deposit (CD)
$1,000
4.18%
▲ 1.00% above Colorado avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Colorado Average3.18%▲ 1.00% above avgNationally 2.77%
Details
Balance: $1,000 - $24,999
Rate History
No change since Oct 9, 2026 · 4.18% APY · checked 3 times
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
6 Month CD
$0
4.15%
▲ 0.97% above Colorado avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.18%▲ 0.97% above avgNationally 2.77%
Details
Early Withdrawal Penalty: 3 Months of Interest; Individuals only
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 8 times
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
6 Month CD
$0
4.14%
▲ 0.96% above Colorado avg
▼
Rate4.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.18%▲ 0.96% above avgNationally 2.77%
Details
Annual Percentage Yield is current as of September 21, 2026; a penalty may be imposed for early withdrawal; certificate automatically renews to a fixed rate CD of the equivalent term at the current rate
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.14% ▲ 0.24 pts · high 4.14% / low 3.90%
- Sep 24, 20264.14%▲ from 3.90%
- Sep 14, 20263.90%first recorded
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Jumbo Certificate of Deposit & Greater - 6 Month
$0
4.06%
▲ 0.88% above Colorado avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.18%▲ 0.88% above avgNationally 2.77%
Details
$100,000; Balance: $100,000 & Greater; APY based on quarterly compounding and subject to change if balance falls below $100,000; Penalty for early withdrawal
Rate History
No change since Oct 14, 2026 · 4.06% APY
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
6 Month Certificate of Deposit
$1,000
4.05%
▲ 0.87% above Colorado avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.18%▲ 0.87% above avgNationally 2.77%
Details
Open Online
Rate History
2 changes since Sep 18, 2026 · 3.80% → 4.05% ▲ 0.25 pts · high 4.05% / low 3.80%
- Oct 14, 20264.05%▲ from 4.00%
- Sep 24, 20264.00%▲ from 3.80%
- Sep 18, 20263.80%first recorded
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
6 Month Business Term Certificate Promo
$0
4.00%
▲ 0.82% above Colorado avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.18%▲ 0.82% above avgNationally 2.77%
Details
Dividend Rate 3.93%; APY if dividends are not withdrawn during the term; Business members
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
CD - 6 month
$0
4.00%
▲ 0.82% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.18%▲ 0.82% above avgNationally 2.77%
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
- Oct 14, 20264.00%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
CDs & IRA Certificates of Deposit - 6 month
$0
4.00%
▲ 0.82% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.18%▲ 0.82% above avgNationally 2.77%
Details
Balance: $100,000 +
Rate History
1 change since Sep 18, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
- Oct 10, 20264.00%▲ from 3.80%
- Sep 18, 20263.80%first recorded
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
Share & IRA Certificates - 6 Month Term
$0
3.98%
▲ 0.80% above Colorado avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.18%▲ 0.80% above avgNationally 2.77%
Details
Dividends compounded daily and credited monthly; early withdrawal penalties apply
Rate History
1 change since Sep 14, 2026 · 3.77% → 3.98% ▲ 0.21 pts · high 3.98% / low 3.77%
- Oct 12, 20263.98%▲ from 3.77%
- Sep 14, 20263.77%first recorded
Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
Share Certificate - 6 Month
$0
3.90%
▲ 0.72% above Colorado avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.18%▲ 0.72% above avgNationally 2.77%
Details
Balance: $50,000+
Rate History
1 change since Sep 14, 2026 · 3.91% → 3.90% ▼ 0.01 pts · high 3.91% / low 3.90%
- Sep 22, 20263.90%▼ from 3.91%
- Sep 14, 20263.91%first recorded
Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
Share Certificates - 6 Month
$500
3.90%
▲ 0.72% above Colorado avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.18%▲ 0.72% above avgNationally 2.77%
Details
Balance: $50,000+
Rate History
1 change since Sep 14, 2026 · 3.91% → 3.90% ▼ 0.01 pts · high 3.91% / low 3.90%
- Sep 22, 20263.90%▼ from 3.91%
- Sep 14, 20263.91%first recorded
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
CD - 6 month
$0
3.90%
▲ 0.72% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.18%▲ 0.72% above avgNationally 2.77%
Details
Balance: $500.00 - $99,999.99
Rate History
1 change since Sep 14, 2026 · 3.80% → 3.90% ▲ 0.10 pts · high 3.90% / low 3.80%
- Oct 14, 20263.90%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
CDs & IRA Certificates of Deposit - 6 month
$0
3.90%
▲ 0.72% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.18%▲ 0.72% above avgNationally 2.77%
Details
Balance: $500-$99,999.99
Rate History
1 change since Sep 18, 2026 · 3.70% → 3.90% ▲ 0.20 pts · high 3.90% / low 3.70%
- Oct 10, 20263.90%▲ from 3.70%
- Sep 18, 20263.70%first recorded
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
6 Month Time Certificates - Fixed Rate
$0
3.85%
▲ 0.67% above Colorado avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.18%▲ 0.67% above avgNationally 2.77%
Details
Rate History
1 change since Sep 19, 2026 · 3.46% → 3.85% ▲ 0.39 pts · high 3.85% / low 3.46%
- Sep 24, 20263.85%▲ from 3.46%
- Sep 19, 20263.46%first recorded
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
Share Certificate - 6-Month
$500
3.85%
▲ 0.67% above Colorado avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.18%▲ 0.67% above avgNationally 2.77%
Details
Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 2 times
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
Jumbo Certificates and IRAs - 6 Months (REG only)
$0
3.85%
▲ 0.67% above Colorado avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.18%▲ 0.67% above avgNationally 2.77%
Details
Jumbo certificate; REG only; Minimum Balance to Open and Earn Interest $100,000
Rate History
No change since Oct 9, 2026 · 3.85% APY · checked 2 times
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
6 Month JUMBO certificates
$100,000
3.85%
▲ 0.67% above Colorado avg
▼
Rate3.78%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.18%▲ 0.67% above avgNationally 2.77%
Details
Effective: October 1, 2026
Rate History
1 change since Sep 18, 2026 · 3.70% → 3.85% ▲ 0.15 pts · high 3.85% / low 3.70%
- Oct 13, 20263.85%▲ from 3.70%
- Sep 18, 20263.70%first recorded
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
Business Jumbo Certificates - 6 Month CD
$0
3.85%
▲ 0.67% above Colorado avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.18%▲ 0.67% above avgNationally 2.77%
Details
Rate History
No change since Oct 13, 2026 · 3.85% APY
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
Jumbo IRA CD - 6 Months
$100,000
3.85%
▲ 0.67% above Colorado avg
▼
Rate3.78%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.18%▲ 0.67% above avgNationally 2.77%
Details
IRA restrictions apply; Minimum balance to earn lowest stated dividend $100,000.00; Early withdrawal penalties apply
Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
- Oct 13, 20263.85%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
6 Month Certificate of Deposit (CD)
$0
3.85%
▲ 0.67% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.18%▲ 0.67% above avgNationally 2.77%
Details
Rate History
No change since Sep 24, 2026 · 3.85% APY · checked 6 times
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
6 Month Certificate of Deposit
$0
3.81%
▲ 0.63% above Colorado avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.18%▲ 0.63% above avgNationally 2.77%
Details
Balance: $100.00+; Compounded/Credited: Monthly
Rate History
1 change since Sep 18, 2026 · 3.60% → 3.81% ▲ 0.21 pts · high 3.81% / low 3.60%
- Oct 14, 20263.81%▲ from 3.60%
- Sep 18, 20263.60%first recorded
Adams Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
6-Month CD
$500
3.80%
▲ 0.62% above Colorado avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.18%▲ 0.62% above avgNationally 2.77%
Details
Balance: $10,000.00 and up
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 10 times
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Certificates of Deposit - 6 Month
$1,000
3.80%
▲ 0.62% above Colorado avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.18%▲ 0.62% above avgNationally 2.77%
Details
Rate History
No change since Oct 14, 2026 · 3.80% APY
Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
6 Month Share/IRA/HSA Certificates
$0
3.80%
▲ 0.62% above Colorado avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.18%▲ 0.62% above avgNationally 2.77%
Details
Rate History
No change since Sep 25, 2026 · 3.80% APY · checked 3 times
Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
Share/IRA/HSA Certificates - 6 months
$500
3.80%
▲ 0.62% above Colorado avg
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.18%▲ 0.62% above avgNationally 2.77%
Details
$500 Minimum
Rate History
No change since Oct 8, 2026 · 3.80% APY · checked 2 times
NuVista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate
$50,000
3.80%
▲ 0.62% above Colorado avg
▼
Rate3.74%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.18%▲ 0.62% above avgNationally 2.77%
Details
High Balance Share Certificate Accounts; Rates effective 6/15/2026
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
Share Certificates - 6 Month
$500
3.80%
▲ 0.62% above Colorado avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.18%▲ 0.62% above avgNationally 2.77%
Details
Balance: $500 - $49,999.99
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
Grand Junction 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
12 Month Business CDs
$0
3.90%
▲ 0.61% above Colorado avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.29%▲ 0.61% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 8 times
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
12 Month Business Traditional CD
$0
3.90%
▲ 0.61% above Colorado avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.29%▲ 0.61% above avgNationally 2.99%
Details
Minimum Balance to Earn APY
Rate History
No change since Oct 14, 2026 · 3.90% APY
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
12 Month HSA CD
$0
3.90%
▲ 0.61% above Colorado avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.29%▲ 0.61% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 8 times
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
12 Month IRA CD
$0
3.90%
▲ 0.61% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.29%▲ 0.61% above avgNationally 2.99%
Details
IRA & Coverdell CDs; $500 minimum account balance
Rate History
No change since Sep 21, 2026 · 3.90% APY · checked 3 times
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
12 Month IRA Jumbo CD
$0
3.90%
▲ 0.61% above Colorado avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.29%▲ 0.61% above avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 7 times
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
12 Month Jumbo CD
$0
3.90%
▲ 0.61% above Colorado avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.29%▲ 0.61% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 8 times
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
12 Month Traditional CD
$0
3.90%
▲ 0.61% above Colorado avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.29%▲ 0.61% above avgNationally 2.99%
Details
Balance: $500 Minimum to Earn APY
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 8 times
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
12 Month Youth CD
$0
3.90%
▲ 0.61% above Colorado avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.29%▲ 0.61% above avgNationally 2.99%
Details
Minimum Balance to Earn APY: $50
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 8 times
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
Traditional CD - 12 Months
$0
3.90%
▲ 0.61% above Colorado avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.29%▲ 0.61% above avgNationally 2.99%
Details
Minimum Balance to Earn APY: $500
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 8 times
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
202 Main St, Grand Junction, CO 81501
1 Year Traditional Certificate of Deposit (CD)
$0
3.80%
▲ 0.51% above Colorado avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.29%▲ 0.51% above avgNationally 2.99%
Details
Balance: $100,000 and over; Deposits over $25,000
Rate History
No change since Oct 13, 2026 · 3.80% APY
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
202 Main St, Grand Junction, CO 81501
1 Year Traditional Certificate of Deposit (CD)
$0
3.70%
▲ 0.41% above Colorado avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.29%▲ 0.41% above avgNationally 2.99%
Details
Balance: $25,000 - $99,999.99; Deposits over $25,000
Rate History
No change since Oct 13, 2026 · 3.70% APY
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
760 Rood Ave, Grand Junction, CO 81501 3408
CD 12 Month
$10,000
3.65%
▲ 0.36% above Colorado avg
▼
Rate3.60%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.29%▲ 0.36% above avgNationally 2.99%
Details
$10,000 Minimum
Rate History
No change since Sep 16, 2026 · 3.65% APY · checked 4 times
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
202 Main St, Grand Junction, CO 81501
Traditional Certificate of Deposit (CD) - 1 Year
$0
3.60%
▲ 0.31% above Colorado avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.29%▲ 0.31% above avgNationally 2.99%
Details
Deposits under $25,000; Account Balance $10,000
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 5 times
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
202 Main St, Grand Junction, CO 81501
Traditional Certificate of Deposit (CD) - 1 Year
$0
3.51%
▲ 0.22% above Colorado avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.29%▲ 0.22% above avgNationally 2.99%
Details
Deposits under $25,000; Account Balance $500
Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 5 times
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
2608 N 12th St, Grand Junction, CO 81501
Business Certificates of Deposit - 12 Month
$0
3.50%
▲ 0.21% above Colorado avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.29%▲ 0.21% above avgNationally 2.99%
Details
Balance: $1,000 or more
Rate History
1 change since Sep 18, 2026 · 3.30% → 3.50% ▲ 0.20 pts · high 3.50% / low 3.30%
- Oct 14, 20263.50%▲ from 3.30%
- Sep 18, 20263.30%first recorded
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
2608 N 12th St, Grand Junction, CO 81501
Certificates of Deposit - 12 Month
$0
3.50%
▲ 0.21% above Colorado avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.29%▲ 0.21% above avgNationally 2.99%
Details
Balance: $1,000 or more
Rate History
1 change since Sep 18, 2026 · 3.30% → 3.50% ▲ 0.20 pts · high 3.50% / low 3.30%
- Oct 14, 20263.50%▲ from 3.30%
- Sep 18, 20263.30%first recorded
Coloramo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
516 28 Rd, Grand Junction, CO 81501
12 Month Share or IRA Certificate
$0
3.40%
▲ 0.11% above Colorado avg
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.29%▲ 0.11% above avgNationally 2.99%
Details
Effective Date: October 1, 2026
Rate History
No change since Oct 14, 2026 · 3.40% APY
Grand Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
570 25 Rd, Grand Junction, CO 81505
12 Month Certificate
$500
3.30%
▲ 0.01% above Colorado avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.29%▲ 0.01% above avgNationally 2.99%
Details
.25% bonus for Star and Senior Accounts!
Rate History
1 change since Sep 24, 2026 · 3.20% → 3.30% ▲ 0.10 pts · high 3.30% / low 3.20%
- Oct 12, 20263.30%▲ from 3.20%
- Sep 24, 20263.20%first recorded
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
2415 Patterson Rd, Grand Junction, CO 81505
1 year Standard Fixed Rate CD - Relationship
$2,500
1.51%
▼ 1.78% below Colorado avg
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.29%▼ 1.78% below avgNationally 2.99%
Details
Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 1.51% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
2415 Patterson Rd, Grand Junction, CO 81505
1 year Standard Fixed Rate CD
$2,500
1.50%
▼ 1.79% below Colorado avg
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.29%▼ 1.79% below avgNationally 2.99%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 1.50% APY · checked 3 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1211 N 7th St, Grand Junction, CO 81501
12 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.54% below Colorado avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.29%▼ 2.54% below avgNationally 2.99%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1211 N 7th St, Grand Junction, CO 81501
12 Month Standard CD
$1,000
0.75%
▼ 2.54% below Colorado avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.29%▼ 2.54% below avgNationally 2.99%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
Grand Junction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
633 24 Rd, Grand Junction, CO 81505
12 Month Share Certificates Regular And IRA's
$0
0.30%
▼ 2.99% below Colorado avg
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.29%▼ 2.99% below avgNationally 2.99%
Details
Div Compounds & Credits Quarterly; Div Period Calendar Quarter; APY applies only when dividends are added to principal
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 8 times
NuVista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month DREAM Certificate
$100
5.12%
▲ 1.83% above Colorado avg
▼
Rate5.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.29%▲ 1.83% above avgNationally 2.99%
Details
Tiered by daily balance: up to $1,000.00 earns the DREAM Certificate rate; $1,000.01 and over earn the 12-Month Certificate rate; Add-on certificate
Rate History
No change since Sep 14, 2026 · 5.12% APY · checked 7 times
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
12 Month Fixed-rate Certificate of Deposit
$50,000
4.51%
▲ 1.22% above Colorado avg
▼
Rate4.51%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.29%▲ 1.22% above avgNationally 2.99%
Details
Interest paid quarterly via ACH; Withdrawal before maturity is not permitted
Rate History
No change since Oct 14, 2026 · 4.51% APY
Fellowship Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
12 Month Certificate of Deposit
$500
4.41%
▲ 1.12% above Colorado avg
▼
Rate4.32%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.29%▲ 1.12% above avgNationally 2.99%
Details
1% penalty for early withdrawal; 10 days after the CD renews before a penalty
Rate History
No change since Sep 14, 2026 · 4.41% APY · checked 5 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35%
▲ 1.06% above Colorado avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.29%▲ 1.06% above avgNationally 2.99%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 5 times
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
12 Month Certificate of Deposit (CD)
$0
4.30%
▲ 1.01% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.29%▲ 1.01% above avgNationally 2.99%
Details
Rate History
1 change since Sep 24, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
- Oct 10, 20264.30%▲ from 4.00%
- Sep 24, 20264.00%first recorded
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
12 Month CD
$0
4.25%
▲ 0.96% above Colorado avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.29%▲ 0.96% above avgNationally 2.99%
Details
Early Withdrawal Penalty: 3 Months of Interest; Individuals only
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 8 times
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12 Month Certificate of Deposit
$1,000
4.25%
▲ 0.96% above Colorado avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.29%▲ 0.96% above avgNationally 2.99%
Details
Open Online
Rate History
2 changes since Sep 18, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
- Oct 14, 20264.25%▲ from 4.05%
- Sep 24, 20264.05%▲ from 3.85%
- Sep 18, 20263.85%first recorded
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
Certificate of Deposit 12-Month
$500
4.20%
▲ 0.91% above Colorado avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.29%▲ 0.91% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
- Oct 2, 20264.20%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.10%
▲ 0.81% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.29%▲ 0.81% above avgNationally 2.99%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.91%
1 Year IRA Certificate of Deposit (CD)
$1,000
4.07%
▲ 0.78% above Colorado avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Colorado Average3.29%▲ 0.78% above avgNationally 2.99%
Details
Balance: $100,000
Rate History
No change since Oct 9, 2026 · 4.07% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.05%
▲ 0.76% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.29%▲ 0.76% above avgNationally 2.99%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.05% APY
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
12 Month Time Certificates - Fixed Rate
$0
4.05%
▲ 0.76% above Colorado avg
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.29%▲ 0.76% above avgNationally 2.99%
Details
Rate History
1 change since Sep 19, 2026 · 3.35% → 4.05% ▲ 0.70 pts · high 4.05% / low 3.35%
- Sep 24, 20264.05%▲ from 3.35%
- Sep 19, 20263.35%first recorded
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
IRA (Roth & Traditional) - Fixed Rate 12 month
$0
4.05%
▲ 0.76% above Colorado avg
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.29%▲ 0.76% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.35% → 4.05% ▲ 0.70 pts · high 4.05% / low 3.35%
- Sep 24, 20264.05%▲ from 3.35%
- Sep 14, 20263.35%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 12 Month
$0
4.02%
▲ 0.73% above Colorado avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.29%▲ 0.73% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.95% → 4.02% ▲ 0.07 pts · high 4.02% / low 3.95%
- Oct 13, 20264.02%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 12 Month
$0
4.02%
▲ 0.73% above Colorado avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.29%▲ 0.73% above avgNationally 2.99%
Details
Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply
Rate History
2 changes since Sep 14, 2026 · 3.95% → 4.02% ▲ 0.07 pts · high 4.02% / low 3.95%
- Oct 5, 20264.02%▲ from 3.97%
- Sep 25, 20263.97%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month ESA EasyStart Certificate
$50
4.00%
▲ 0.71% above Colorado avg
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.29%▲ 0.71% above avgNationally 2.99%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 3 times
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
12 Month CD
$1,000
4.00%
▲ 0.71% above Colorado avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.29%▲ 0.71% above avgNationally 2.99%
Details
APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.
Rate History
1 change since Sep 14, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
- Oct 7, 20264.00%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
12 Month Term Certificates
$0
4.00%
▲ 0.71% above Colorado avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.29%▲ 0.71% above avgNationally 2.99%
Details
Dividend Rate 3.93%; APY if dividends are not withdrawn during the term
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
Traditional Certificate - 12 Month
$0
4.00%
▲ 0.71% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.29%▲ 0.71% above avgNationally 2.99%
Details
Min. Balance to obtain APY; Compounds Monthly; Early withdrawal penalties may apply
Rate History
No change since Oct 13, 2026 · 4.00% APY
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
Traditional IRA 12 Month Certificate
$0
4.00%
▲ 0.71% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.29%▲ 0.71% above avgNationally 2.99%
Details
Min. Balance to obtain APY: $1,000 and over; Compounds Monthly; Individual Retirement Account Traditional-Roth-Coverdell ESA Rates
Rate History
No change since Oct 13, 2026 · 4.00% APY
Options Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.43%
12-Month CD
$10,000
4.00%
▲ 0.71% above Colorado avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.29%▲ 0.71% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Options Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.43%
12-Month Certificate Special
$10,000
4.00%
▲ 0.71% above Colorado avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.29%▲ 0.71% above avgNationally 2.99%
Details
New money only (funds not currently on deposit with the credit union; must come from a non-Options account); Limited Availability; limited-time promotion; 90 day penalty for early withdrawal; at maturity balance automatically renews into a standard 6 month term; special rate cannot be combined with Loyalty Rewards; APY accurate as of 7/20/26 and subject to change
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
CD - 12 month
$0
4.00%
▲ 0.71% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.29%▲ 0.71% above avgNationally 2.99%
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 14, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
CDs & IRA Certificates of Deposit - 12 month
$0
4.00%
▲ 0.71% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.29%▲ 0.71% above avgNationally 2.99%
Details
Balance: $100,000 +
Rate History
1 change since Sep 18, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 10, 20264.00%▲ from 3.75%
- Sep 18, 20263.75%first recorded
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 1-Year Term
$1,000
4.00%
▲ 0.71% above Colorado avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.29%▲ 0.71% above avgNationally 2.99%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 4.00% APY
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.91%
1 Year IRA Certificate of Deposit (CD)
$1,000
3.97%
▲ 0.68% above Colorado avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Colorado Average3.29%▲ 0.68% above avgNationally 2.99%
Details
Balance: $25,000 - $99,999
Rate History
No change since Oct 9, 2026 · 3.97% APY · checked 3 times
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
12 Month CD
$0
3.95%
▲ 0.66% above Colorado avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.29%▲ 0.66% above avgNationally 2.99%
Details
Annual Percentage Yield is current as of September 21, 2026; a penalty may be imposed for early withdrawal; certificate automatically renews to a fixed rate CD of the equivalent term at the current rate
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
Grand Junction 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
760 Rood Ave, Grand Junction, CO 81501 3408
CD 18 Month
$10,000
3.50%
▲ 0.40% above Colorado avg
▼
Rate3.45%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.10%▲ 0.40% above avgNationally 2.88%
Details
$10,000 Minimum
Rate History
No change since Sep 16, 2026 · 3.50% APY · checked 4 times
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
202 Main St, Grand Junction, CO 81501
18 Month Traditional Certificate of Deposit (CD)
$0
3.15%
▲ 0.05% above Colorado avg
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.10%▲ 0.05% above avgNationally 2.88%
Details
Balance: $100,000 and over; Deposits over $25,000
Rate History
No change since Oct 13, 2026 · 3.15% APY
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
202 Main St, Grand Junction, CO 81501
18 Month Traditional Certificate of Deposit (CD)
$0
3.05%
▼ 0.05% below Colorado avg
▼
Rate3.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.10%▼ 0.05% below avgNationally 2.88%
Details
Balance: $25,000 - $99,999.99; Deposits over $25,000
Rate History
No change since Oct 13, 2026 · 3.05% APY
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
202 Main St, Grand Junction, CO 81501
Traditional Certificate of Deposit (CD) - 18 Month
$0
2.95%
▼ 0.15% below Colorado avg
▼
Rate2.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.10%▼ 0.15% below avgNationally 2.88%
Details
Deposits under $25,000; Account Balance $10,000
Rate History
No change since Sep 14, 2026 · 2.95% APY · checked 5 times
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
202 Main St, Grand Junction, CO 81501
Traditional Certificate of Deposit (CD) - 18 Month
$0
2.85%
▼ 0.25% below Colorado avg
▼
Rate2.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.10%▼ 0.25% below avgNationally 2.88%
Details
Deposits under $25,000; Account Balance $500
Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 5 times
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
18 Month Smart Move CD
$2,500
2.40%
▼ 0.70% below Colorado avg
▼
Rate2.37%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.10%▼ 0.70% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 2.40% APY · checked 8 times
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
Smart Move CD 18 Months
$2,500
2.40%
▼ 0.70% below Colorado avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.10%▼ 0.70% below avgNationally 2.88%
Details
Smart Move CD; start with a minimum of $2,500; one-time bump-up option; one withdrawal with no penalty if $1,000 minimum balance remains
Rate History
No change since Sep 14, 2026 · 2.40% APY · checked 8 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1211 N 7th St, Grand Junction, CO 81501
18 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.35% below Colorado avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.10%▼ 2.35% below avgNationally 2.88%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1211 N 7th St, Grand Junction, CO 81501
18 Month Standard CD
$1,000
0.75%
▼ 2.35% below Colorado avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.10%▼ 2.35% below avgNationally 2.88%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
18 Month Fixed-rate Certificate of Deposit
$50,000
4.51%
▲ 1.41% above Colorado avg
▼
Rate4.51%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.10%▲ 1.41% above avgNationally 2.88%
Details
Interest paid quarterly via ACH; Withdrawal before maturity is not permitted
Rate History
No change since Oct 14, 2026 · 4.51% APY
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
Certificate of Deposit 18-Month
$500
4.40%
▲ 1.30% above Colorado avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.10%▲ 1.30% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.10% → 4.40% ▲ 1.30 pts · high 4.40% / low 3.10%
- Oct 2, 20264.40%▲ from 3.10%
- Sep 14, 20263.10%first recorded
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
18 Month Certificate of Deposit
$1,000
4.35%
▲ 1.25% above Colorado avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.10%▲ 1.25% above avgNationally 2.88%
Details
Rate History
2 changes since Sep 18, 2026 · 3.90% → 4.35% ▲ 0.45 pts · high 4.35% / low 3.90%
- Oct 7, 20264.35%▲ from 4.05%
- Sep 24, 20264.05%▲ from 3.90%
- Sep 18, 20263.90%first recorded
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
18-Month CD
$1,000
4.35%
▲ 1.25% above Colorado avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.10%▲ 1.25% above avgNationally 2.88%
Details
Rate History
2 changes since Sep 16, 2026 · 4.40% → 4.35% ▼ 0.05 pts · high 4.40% / low 4.25%
- Oct 12, 20264.35%▲ from 4.25%
- Oct 3, 20264.25%▼ from 4.40%
- Sep 16, 20264.40%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
18 Month Certificate of Deposit (CD)
$0
4.35%
▲ 1.25% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.10%▲ 1.25% above avgNationally 2.88%
Details
Rate History
1 change since Sep 24, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 10, 20264.35%▲ from 4.15%
- Sep 24, 20264.15%first recorded
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
18 Month CD
$0
4.20%
▲ 1.10% above Colorado avg
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.10%▲ 1.10% above avgNationally 2.88%
Details
Early Withdrawal Penalty: 6 Months of Interest; Individuals only
Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 8 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.15%
▲ 1.05% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.10%▲ 1.05% above avgNationally 2.88%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.15% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.10%
▲ 1.00% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.10%▲ 1.00% above avgNationally 2.88%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
Farmers State Bank of Calhan
Institution Rating:
A-4.3 ★Texas Ratio: 3.71%
18 Month Certificate Special
$500
4.10%
▲ 1.00% above Colorado avg
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.10%▲ 1.00% above avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 4.10% APY · checked 2 times
Sunwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
18 Month Certificate
$0
4.10%
▲ 1.00% above Colorado avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.10%▲ 1.00% above avgNationally 2.88%
Details
Balance: $500-$24,999.99; Dividends Credited: Monthly
Rate History
1 change since Sep 22, 2026 · 3.45% → 4.10% ▲ 0.65 pts · high 4.10% / low 3.45%
- Oct 1, 20264.10%▲ from 3.45%
- Sep 22, 20263.45%first recorded
Yuma County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificates of Deposit
$50,000
4.08%
▲ 0.98% above Colorado avg
▼
Rate4.00%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.10%▲ 0.98% above avgNationally 2.88%
Details
Dividends compounded and credited semi-yearly; APY assumes dividends remain until maturity; penalty may be imposed for early withdrawal
Rate History
No change since Sep 25, 2026 · 4.08% APY · checked 4 times
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
CD - 18 months
$0
3.85%
▲ 0.75% above Colorado avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.10%▲ 0.75% above avgNationally 2.88%
Details
Rate History
No change since Oct 2, 2026 · 3.85% APY · checked 2 times
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
CD - 18 month
$0
3.85%
▲ 0.75% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.10%▲ 0.75% above avgNationally 2.88%
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65%
- Oct 14, 20263.85%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
CDs & IRA Certificates of Deposit - 18 month
$0
3.85%
▲ 0.75% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.10%▲ 0.75% above avgNationally 2.88%
Details
Balance: $100,000 +
Rate History
1 change since Sep 18, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65%
- Oct 10, 20263.85%▲ from 3.65%
- Sep 18, 20263.65%first recorded
Yuma County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificates of Deposit
$10,000
3.82%
▲ 0.72% above Colorado avg
▼
Rate3.75%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.10%▲ 0.72% above avgNationally 2.88%
Details
Minimum Deposit $10,000.00
Rate History
1 change since Sep 25, 2026 · 4.08% → 3.82% ▼ 0.26 pts · high 4.08% / low 3.82%
- Oct 12, 20263.82%▼ from 4.08%
- Sep 25, 20264.08%first recorded
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Jumbo Certificate of Deposit & Greater - 18 Month
$0
3.80%
▲ 0.70% above Colorado avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.10%▲ 0.70% above avgNationally 2.88%
Details
$100,000; Balance: $100,000 & Greater; APY based on quarterly compounding and subject to change if balance falls below $100,000; Penalty for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.80% APY
North Valley Bank Thornton, CO
Institution Rating:
A5.0 ★Texas Ratio: 13.05%
18 Month Fixed Rate CD
$100,000
3.80%
▲ 0.70% above Colorado avg
▼
Rate3.75%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.10%▲ 0.70% above avgNationally 2.88%
Details
Rate History
No change since Sep 15, 2026 · 3.80% APY · checked 7 times
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Certificate of Deposit - 18-Month
$500
3.75%
▲ 0.65% above Colorado avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.10%▲ 0.65% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 3.75% APY
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
CD - 18 month
$0
3.75%
▲ 0.65% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.10%▲ 0.65% above avgNationally 2.88%
Details
Balance: $500.00 - $99,999.99
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65%
- Oct 14, 20263.75%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
CDs & IRA Certificates of Deposit - 18 month
$0
3.75%
▲ 0.65% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.10%▲ 0.65% above avgNationally 2.88%
Details
Balance: $500-$99,999.99
Rate History
1 change since Sep 18, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55%
- Oct 10, 20263.75%▲ from 3.55%
- Sep 18, 20263.55%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month ESA EasyStart Certificate
$50
3.70%
▲ 0.60% above Colorado avg
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.10%▲ 0.60% above avgNationally 2.88%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 3 times
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
18 Month CD
$0
3.60%
▲ 0.50% above Colorado avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.10%▲ 0.50% above avgNationally 2.88%
Details
Annual Percentage Yield is current as of September 21, 2026; a penalty may be imposed for early withdrawal; certificate automatically renews to a fixed rate CD of the equivalent term at the current rate
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 9 times
Holyoke Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
18 Month CD
$50,000
3.60%
▲ 0.50% above Colorado avg
▼
Rate3.55%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.10%▲ 0.50% above avgNationally 2.88%
Details
Rate History
1 change since Sep 25, 2026 · 3.44% → 3.60% ▲ 0.15 pts · high 3.60% / low 3.44%
- Oct 4, 20263.60%▲ from 3.44%
- Sep 25, 20263.44%first recorded
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
18 Month (Variable Rate) IRA
$500
3.57%
▲ 0.47% above Colorado avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.10%▲ 0.47% above avgNationally 2.88%
Details
Variable Rate
Rate History
No change since Oct 7, 2026 · 3.57% APY · checked 2 times
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
18 Month Certificate
$500
3.57%
▲ 0.47% above Colorado avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.10%▲ 0.47% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.56% → 3.57% ▲ 0.01 pts · high 3.57% / low 3.56%
- Oct 7, 20263.57%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Yuma County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificate of Deposit
$500
3.56%
▲ 0.46% above Colorado avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.10%▲ 0.46% above avgNationally 2.88%
Details
Rate History
No change since Sep 25, 2026 · 3.56% APY · checked 3 times
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Certificates of Deposit - 18 Month
$1,000
3.55%
▲ 0.45% above Colorado avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.10%▲ 0.45% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 3.55% APY
North Valley Bank Thornton, CO
Institution Rating:
A5.0 ★Texas Ratio: 13.05%
18 Month Fixed Rate CD
$100
3.55%
▲ 0.45% above Colorado avg
▼
Rate3.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.10%▲ 0.45% above avgNationally 2.88%
Details
Rate History
No change since Sep 15, 2026 · 3.55% APY · checked 7 times
Aurora Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.93%
18 Month Super Jumbo Certificates
$0
3.55%
▲ 0.45% above Colorado avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.10%▲ 0.45% above avgNationally 2.88%
Details
Penalty may be imposed for early withdrawal
Rate History
No change since Oct 5, 2026 · 3.55% APY · checked 2 times
Holyoke Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
18 Month CD
$10,000
3.55%
▲ 0.45% above Colorado avg
▼
Rate3.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.10%▲ 0.45% above avgNationally 2.88%
Details
Rate History
1 change since Sep 25, 2026 · 3.39% → 3.55% ▲ 0.15 pts · high 3.55% / low 3.39%
- Oct 4, 20263.55%▲ from 3.39%
- Sep 25, 20263.39%first recorded
Aurora Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.93%
Jumbo Certificates - 18 Month
$0
3.50%
▲ 0.40% above Colorado avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.10%▲ 0.40% above avgNationally 2.88%
Details
Jumbo Certificates - $10,000; Penalty may be imposed for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
Meritrust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
18 Month Share and IRA Certificates
$0
3.50%
▲ 0.40% above Colorado avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.10%▲ 0.40% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Foothills Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.96%
Certificate of Deposit - 18 Month
$0
3.50%
▲ 0.40% above Colorado avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.10%▲ 0.40% above avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 3.50% APY
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 10.44%
Certificate - 18 Month
$500
3.50%
▲ 0.40% above Colorado avg
▼
Rate3.46%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.10%▲ 0.40% above avgNationally 2.88%
Details
Certificates & IRA Certificates; Penalties for early withdrawal may apply and may reduce earnings
Rate History
No change since Oct 13, 2026 · 3.50% APY
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 10.44%
Certificates & IRA Certificates - 18 Month
$500
3.50%
▲ 0.40% above Colorado avg
▼
Rate3.46%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.10%▲ 0.40% above avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 3.50% APY
Aurora Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.93%
Term Certificate - 18 Month
$500
3.45%
▲ 0.35% above Colorado avg
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.10%▲ 0.35% above avgNationally 2.88%
Details
Penalty may be imposed for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 7 times
Options Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.43%
18 Month Certificates (CD) - Premier
$500
3.40%
▲ 0.30% above Colorado avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.10%▲ 0.30% above avgNationally 2.88%
Details
Penalty: 180 days interest; Compounds monthly
Rate History
No change since Oct 9, 2026 · 3.40% APY · checked 2 times
Sterling Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
18 Month IRA Certificate
$1,000
3.35%
▲ 0.25% above Colorado avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.10%▲ 0.25% above avgNationally 2.88%
Details
Rate History
No change since Sep 25, 2026 · 3.35% APY · checked 4 times
Sterling Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
18 Month Share Certificate
$1,000
3.35%
▲ 0.25% above Colorado avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.10%▲ 0.25% above avgNationally 2.88%
Details
Rate History
No change since Sep 25, 2026 · 3.35% APY · checked 3 times
Northern Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
18 MONTH IRA CERT
$1,000
3.35%
▲ 0.25% above Colorado avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.10%▲ 0.25% above avgNationally 2.88%
Details
IRA CD Rates - Effective Tuesday, October 13, 2026
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 5 times
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Member Merits (Gold) 18 Month Certificate
$0
3.30%
▲ 0.20% above Colorado avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.10%▲ 0.20% above avgNationally 2.88%
Details
Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances
Rate History
No change since Oct 13, 2026 · 3.30% APY
Grand Junction 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
24 Month Business CDs
$0
4.00%
▲ 0.93% above Colorado avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.07%▲ 0.93% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
24 Month Business Traditional CD
$0
4.00%
▲ 0.93% above Colorado avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.07%▲ 0.93% above avgNationally 2.88%
Details
Minimum Balance to Earn APY
Rate History
No change since Oct 14, 2026 · 4.00% APY
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
24 Month HSA CD
$0
4.00%
▲ 0.93% above Colorado avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.07%▲ 0.93% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
24 Month IRA CD
$0
4.00%
▲ 0.93% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.07%▲ 0.93% above avgNationally 2.88%
Details
IRA & Coverdell CDs; $500 minimum account balance
Rate History
No change since Sep 21, 2026 · 4.00% APY · checked 3 times
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
24 Month Traditional CD
$0
4.00%
▲ 0.93% above Colorado avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.07%▲ 0.93% above avgNationally 2.88%
Details
Balance: $500 Minimum to Earn APY
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
Traditional CD - 24 Months
$0
4.00%
▲ 0.93% above Colorado avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.07%▲ 0.93% above avgNationally 2.88%
Details
Minimum Balance to Earn APY: $500
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
2608 N 12th St, Grand Junction, CO 81501
Business Certificates of Deposit - 24 Month
$0
3.60%
▲ 0.53% above Colorado avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.07%▲ 0.53% above avgNationally 2.88%
Details
Balance: $1,000 or more
Rate History
1 change since Sep 18, 2026 · 3.35% → 3.60% ▲ 0.25 pts · high 3.60% / low 3.35%
- Oct 14, 20263.60%▲ from 3.35%
- Sep 18, 20263.35%first recorded
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
2608 N 12th St, Grand Junction, CO 81501
Certificates of Deposit - 24 Month
$0
3.60%
▲ 0.53% above Colorado avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.07%▲ 0.53% above avgNationally 2.88%
Details
Balance: $1,000 or more
Rate History
1 change since Sep 18, 2026 · 3.35% → 3.60% ▲ 0.25 pts · high 3.60% / low 3.35%
- Oct 14, 20263.60%▲ from 3.35%
- Sep 18, 20263.35%first recorded
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
760 Rood Ave, Grand Junction, CO 81501 3408
CD 24 Month
$10,000
3.45%
▲ 0.38% above Colorado avg
▼
Rate3.40%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.07%▲ 0.38% above avgNationally 2.88%
Details
$10,000 Minimum
Rate History
No change since Sep 16, 2026 · 3.45% APY · checked 4 times
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
24 Month Smart Move CD
$2,500
3.40%
▲ 0.33% above Colorado avg
▼
Rate3.35%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.07%▲ 0.33% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 8 times
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
Smart Move CD 24 Months
$2,500
3.40%
▲ 0.33% above Colorado avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.07%▲ 0.33% above avgNationally 2.88%
Details
Smart Move CD; start with a minimum of $2,500; one-time bump-up option; one withdrawal with no penalty if $1,000 minimum balance remains
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 8 times
Coloramo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
516 28 Rd, Grand Junction, CO 81501
24 Month Share or IRA Certificate
$0
3.40%
▲ 0.33% above Colorado avg
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.07%▲ 0.33% above avgNationally 2.88%
Details
Effective Date: October 1, 2026
Rate History
No change since Oct 14, 2026 · 3.40% APY
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
202 Main St, Grand Junction, CO 81501
2 Year Traditional Certificate of Deposit (CD)
$0
3.35%
▲ 0.28% above Colorado avg
▼
Rate3.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.07%▲ 0.28% above avgNationally 2.88%
Details
Balance: $100,000 and over; Deposits over $25,000
Rate History
No change since Oct 13, 2026 · 3.35% APY
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
202 Main St, Grand Junction, CO 81501
2 Year Traditional Certificate of Deposit (CD)
$0
3.25%
▲ 0.18% above Colorado avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.07%▲ 0.18% above avgNationally 2.88%
Details
Balance: $25,000 - $99,999.99; Deposits over $25,000
Rate History
No change since Oct 13, 2026 · 3.25% APY
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
202 Main St, Grand Junction, CO 81501
Traditional Certificate of Deposit (CD) - 2 Year
$0
3.15%
▲ 0.08% above Colorado avg
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.07%▲ 0.08% above avgNationally 2.88%
Details
Deposits under $25,000; Account Balance $10,000
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 5 times
Grand Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
570 25 Rd, Grand Junction, CO 81505
24 Month Certificate
$500
3.10%
▲ 0.03% above Colorado avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.07%▲ 0.03% above avgNationally 2.88%
Details
.25% bonus for Star and Senior Accounts!
Rate History
1 change since Sep 24, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00%
- Oct 12, 20263.10%▲ from 3.00%
- Sep 24, 20263.00%first recorded
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
202 Main St, Grand Junction, CO 81501
Traditional Certificate of Deposit (CD) - 2 Year
$0
3.05%
▼ 0.02% below Colorado avg
▼
Rate3.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.07%▼ 0.02% below avgNationally 2.88%
Details
Deposits under $25,000; Account Balance $500
Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 5 times
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
760 Rood Ave, Grand Junction, CO 81501 3408
CD 24 Month
$500
2.00%
▼ 1.07% below Colorado avg
▼
Rate1.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.07%▼ 1.07% below avgNationally 2.88%
Details
$500 Minimum
Rate History
No change since Sep 16, 2026 · 2.00% APY · checked 4 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1211 N 7th St, Grand Junction, CO 81501
24 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.32% below Colorado avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.07%▼ 2.32% below avgNationally 2.88%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1211 N 7th St, Grand Junction, CO 81501
24 Month Standard CD
$1,000
0.75%
▼ 2.32% below Colorado avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.07%▼ 2.32% below avgNationally 2.88%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
Grand Junction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
633 24 Rd, Grand Junction, CO 81505
24 Month Share Certificates Regular And IRA's
$0
0.50%
▼ 2.57% below Colorado avg
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.07%▼ 2.57% below avgNationally 2.88%
Details
Div Compounds & Credits Quarterly; Div Period Calendar Quarter; APY applies only when dividends are added to principal
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 8 times
5Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
24 Month Variable IRA
$250
4.86%
▲ 1.79% above Colorado avg
▼
Rate4.75%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.07%▲ 1.79% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.39% → 4.86% ▲ 0.47 pts · high 4.86% / low 4.39%
- Oct 11, 20264.86%▲ from 4.39%
- Sep 14, 20264.39%first recorded
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
24 Month Fixed-rate Certificate of Deposit
$50,000
4.55%
▲ 1.48% above Colorado avg
▼
Rate4.55%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.07%▲ 1.48% above avgNationally 2.88%
Details
Interest paid quarterly via ACH; Withdrawal before maturity is not permitted
Rate History
No change since Oct 14, 2026 · 4.55% APY
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
24 Month Certificate of Deposit
$1,000
4.40%
▲ 1.33% above Colorado avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.07%▲ 1.33% above avgNationally 2.88%
Details
Open Online
Rate History
2 changes since Sep 18, 2026 · 3.95% → 4.40% ▲ 0.45 pts · high 4.40% / low 3.95%
- Oct 14, 20264.40%▲ from 4.00%
- Sep 24, 20264.00%▲ from 3.95%
- Sep 18, 20263.95%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
24 Month Certificate of Deposit (CD)
$0
4.40%
▲ 1.33% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.07%▲ 1.33% above avgNationally 2.88%
Details
Rate History
1 change since Sep 24, 2026 · 4.25% → 4.40% ▲ 0.15 pts · high 4.40% / low 4.25%
- Oct 10, 20264.40%▲ from 4.25%
- Sep 24, 20264.25%first recorded
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
24 Month Term Certificates
$0
4.11%
▲ 1.04% above Colorado avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.07%▲ 1.04% above avgNationally 2.88%
Details
Dividend Rate 4.03%; APY if dividends are not withdrawn during the term
Rate History
No change since Sep 14, 2026 · 4.11% APY · checked 5 times
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
24 Month CD
$0
4.10%
▲ 1.03% above Colorado avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.07%▲ 1.03% above avgNationally 2.88%
Details
Early Withdrawal Penalty: 6 Months of Interest; Individuals only
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 8 times
Fellowship Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
24 Month Certificate of Deposit
$500
4.07%
▲ 1.00% above Colorado avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.07%▲ 1.00% above avgNationally 2.88%
Details
1% penalty for early withdrawal; 10 days after the CD renews before a penalty
Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 5 times
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
24 Month JUMBO certificates
$100,000
4.05%
▲ 0.98% above Colorado avg
▼
Rate4.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.07%▲ 0.98% above avgNationally 2.88%
Details
Effective: October 1, 2026
Rate History
1 change since Sep 18, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95%
- Oct 13, 20264.05%▲ from 3.95%
- Sep 18, 20263.95%first recorded
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
Jumbo IRA CD - 24 Months
$100,000
4.05%
▲ 0.98% above Colorado avg
▼
Rate4.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.07%▲ 0.98% above avgNationally 2.88%
Details
IRA restrictions apply; Minimum balance to earn lowest stated dividend $100,000.00; Early withdrawal penalties apply
Rate History
1 change since Sep 14, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95%
- Oct 13, 20264.05%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 24 Month
$0
4.02%
▲ 0.95% above Colorado avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.07%▲ 0.95% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.96% → 4.02% ▲ 0.06 pts · high 4.02% / low 3.96%
- Oct 13, 20264.02%▲ from 3.96%
- Sep 14, 20263.96%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 24 Month
$0
4.02%
▲ 0.95% above Colorado avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.07%▲ 0.95% above avgNationally 2.88%
Details
Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply
Rate History
2 changes since Sep 14, 2026 · 3.96% → 4.02% ▲ 0.06 pts · high 4.02% / low 3.96%
- Oct 13, 20264.02%▲ from 3.97%
- Sep 25, 20263.97%▲ from 3.96%
- Sep 14, 20263.96%first recorded
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
24 Month Certificate of Deposit
$0
4.00%
▲ 0.93% above Colorado avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.07%▲ 0.93% above avgNationally 2.88%
Details
Balance: $100.00+; Compounded/Credited: Monthly
Rate History
1 change since Sep 18, 2026 · 3.40% → 4.00% ▲ 0.60 pts · high 4.00% / low 3.40%
- Oct 14, 20264.00%▲ from 3.40%
- Sep 18, 20263.40%first recorded
Farmers State Bank of Calhan
Institution Rating:
A-4.3 ★Texas Ratio: 3.71%
2 Year Certificate
$500
3.95%
▲ 0.88% above Colorado avg
▼
Rate3.89%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.07%▲ 0.88% above avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 3.95% APY · checked 2 times
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
24 Month Term Certificates
$500
3.95%
▲ 0.88% above Colorado avg
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.07%▲ 0.88% above avgNationally 2.88%
Details
Early withdrawal penalties apply; Dividend withdrawal allowed; Additional deposits not permitted; Dividends compounded monthly, credited monthly; Effective: October 1, 2026
Rate History
1 change since Sep 14, 2026 · 3.85% → 3.95% ▲ 0.10 pts · high 3.95% / low 3.85%
- Oct 9, 20263.95%▲ from 3.85%
- Sep 14, 20263.85%first recorded
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
IRA Certificate (Traditional/Roth/SEP) - 24 Months
$500
3.95%
▲ 0.88% above Colorado avg
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.07%▲ 0.88% above avgNationally 2.88%
Details
traditional ira, roth ira and sep ira
Rate History
No change since Oct 13, 2026 · 3.95% APY
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
CD - 24 month
$0
3.95%
▲ 0.88% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.07%▲ 0.88% above avgNationally 2.88%
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.95% ▲ 0.30 pts · high 3.95% / low 3.65%
- Oct 14, 20263.95%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
CDs & IRA Certificates of Deposit - 24 month
$0
3.95%
▲ 0.88% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.07%▲ 0.88% above avgNationally 2.88%
Details
Balance: $100,000 +
Rate History
1 change since Sep 18, 2026 · 3.65% → 3.95% ▲ 0.30 pts · high 3.95% / low 3.65%
- Oct 10, 20263.95%▲ from 3.65%
- Sep 18, 20263.65%first recorded
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.91%
2 Year Clean Energy Certificate of Deposit (CD)
$1,000
3.92%
▲ 0.85% above Colorado avg
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Colorado Average3.07%▲ 0.85% above avgNationally 2.88%
Details
Balance: $100,000
Rate History
No change since Sep 18, 2026 · 3.92% APY · checked 4 times
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.91%
2 Year IRA Certificate of Deposit (CD)
$1,000
3.92%
▲ 0.85% above Colorado avg
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Colorado Average3.07%▲ 0.85% above avgNationally 2.88%
Details
Balance: $100,000
Rate History
No change since Oct 9, 2026 · 3.92% APY · checked 3 times
Wings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
24 Month Standard CD
$500
3.90%
▲ 0.83% above Colorado avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.07%▲ 0.83% above avgNationally 2.88%
Details
Standard Certificate of Deposit; rate is fixed for the term
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - 24 Month
$0
3.86%
▲ 0.79% above Colorado avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.07%▲ 0.79% above avgNationally 2.88%
Details
Rate History
2 changes since Sep 14, 2026 · 3.80% → 3.86% ▲ 0.06 pts · high 3.86% / low 3.80%
- Oct 9, 20263.86%▲ from 3.81%
- Sep 25, 20263.81%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
CD - 24 month
$0
3.85%
▲ 0.78% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.07%▲ 0.78% above avgNationally 2.88%
Details
Balance: $500.00 - $99,999.99
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65%
- Oct 14, 20263.85%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
CDs & IRA Certificates of Deposit - 24 month
$0
3.85%
▲ 0.78% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.07%▲ 0.78% above avgNationally 2.88%
Details
Balance: $500-$99,999.99
Rate History
1 change since Sep 18, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55%
- Oct 10, 20263.85%▲ from 3.55%
- Sep 18, 20263.55%first recorded
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2 Year Certificate
$500
3.83%
▲ 0.76% above Colorado avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.07%▲ 0.76% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.57% → 3.83% ▲ 0.26 pts · high 3.83% / low 3.57%
- Sep 24, 20263.83%▲ from 3.57%
- Sep 14, 20263.57%first recorded
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2 Years IRA
$500
3.83%
▲ 0.76% above Colorado avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.07%▲ 0.76% above avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 3.83% APY · checked 2 times
Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
24 Month Share/IRA/HSA Certificates
$0
3.82%
▲ 0.75% above Colorado avg
▼
Rate3.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.07%▲ 0.75% above avgNationally 2.88%
Details
Rate History
1 change since Sep 25, 2026 · 3.65% → 3.82% ▲ 0.17 pts · high 3.82% / low 3.65%
- Oct 12, 20263.82%▲ from 3.65%
- Sep 25, 20263.65%first recorded
Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
Share/IRA/HSA Certificates - 24 months
$500
3.82%
▲ 0.75% above Colorado avg
▼
Rate3.76%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.07%▲ 0.75% above avgNationally 2.88%
Details
$500 Minimum
Rate History
No change since Oct 8, 2026 · 3.82% APY · checked 2 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
24 Month IRA Certificates
$0
3.82%
▲ 0.75% above Colorado avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.07%▲ 0.75% above avgNationally 2.88%
Details
Rate History
1 change since Oct 5, 2026 · 3.81% → 3.82% ▲ 0.01 pts · high 3.82% / low 3.81%
- Oct 9, 20263.82%▲ from 3.81%
- Oct 5, 20263.81%first recorded
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.91%
2 Year Clean Energy Certificate of Deposit (CD)
$1,000
3.82%
▲ 0.75% above Colorado avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Colorado Average3.07%▲ 0.75% above avgNationally 2.88%
Details
Balance: $25,000 - $99,999
Rate History
No change since Sep 18, 2026 · 3.82% APY · checked 4 times
Grand Junction 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
36 Month Business CDs
$0
4.05%
▲ 1.00% above Colorado avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.05%▲ 1.00% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 8 times
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
36 Month Business Traditional CD
$0
4.05%
▲ 1.00% above Colorado avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.05%▲ 1.00% above avgNationally 2.81%
Details
Minimum Balance to Earn APY
Rate History
No change since Oct 14, 2026 · 4.05% APY
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
36 Month HSA CD
$0
4.05%
▲ 1.00% above Colorado avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.05%▲ 1.00% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 8 times
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
36 Month IRA CD
$0
4.05%
▲ 1.00% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.05%▲ 1.00% above avgNationally 2.81%
Details
IRA & Coverdell CDs; $500 minimum account balance
Rate History
No change since Sep 21, 2026 · 4.05% APY · checked 3 times
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
36 Month Traditional CD
$0
4.05%
▲ 1.00% above Colorado avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.05%▲ 1.00% above avgNationally 2.81%
Details
Balance: $500 Minimum to Earn APY
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 8 times
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
Traditional CD - 36 Months
$0
4.05%
▲ 1.00% above Colorado avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.05%▲ 1.00% above avgNationally 2.81%
Details
Minimum Balance to Earn APY: $500
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 8 times
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
2608 N 12th St, Grand Junction, CO 81501
Business Certificates of Deposit - 36 Month
$0
3.70%
▲ 0.65% above Colorado avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.05%▲ 0.65% above avgNationally 2.81%
Details
Balance: $1,000 or more
Rate History
1 change since Sep 18, 2026 · 3.40% → 3.70% ▲ 0.30 pts · high 3.70% / low 3.40%
- Oct 14, 20263.70%▲ from 3.40%
- Sep 18, 20263.40%first recorded
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
2608 N 12th St, Grand Junction, CO 81501
Certificates of Deposit - 36 Month
$0
3.70%
▲ 0.65% above Colorado avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.05%▲ 0.65% above avgNationally 2.81%
Details
Balance: $1,000 or more
Rate History
1 change since Sep 18, 2026 · 3.40% → 3.70% ▲ 0.30 pts · high 3.70% / low 3.40%
- Oct 14, 20263.70%▲ from 3.40%
- Sep 18, 20263.40%first recorded
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
760 Rood Ave, Grand Junction, CO 81501 3408
CD 36 Month
$10,000
3.50%
▲ 0.45% above Colorado avg
▼
Rate3.45%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.05%▲ 0.45% above avgNationally 2.81%
Details
$10,000 Minimum
Rate History
No change since Sep 16, 2026 · 3.50% APY · checked 4 times
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
202 Main St, Grand Junction, CO 81501
3 Year Traditional Certificate of Deposit (CD)
$0
3.40%
▲ 0.35% above Colorado avg
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.05%▲ 0.35% above avgNationally 2.81%
Details
Balance: $100,000 and over; Deposits over $25,000
Rate History
No change since Oct 13, 2026 · 3.40% APY
Coloramo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
516 28 Rd, Grand Junction, CO 81501
36 Month Share or IRA Certificate
$0
3.40%
▲ 0.35% above Colorado avg
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.05%▲ 0.35% above avgNationally 2.81%
Details
Effective Date: October 1, 2026
Rate History
No change since Oct 14, 2026 · 3.40% APY
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
202 Main St, Grand Junction, CO 81501
3 Year Traditional Certificate of Deposit (CD)
$0
3.30%
▲ 0.25% above Colorado avg
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.05%▲ 0.25% above avgNationally 2.81%
Details
Balance: $25,000 - $99,999.99; Deposits over $25,000
Rate History
No change since Oct 13, 2026 · 3.30% APY
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
202 Main St, Grand Junction, CO 81501
Traditional Certificate of Deposit (CD) - 3 Year
$0
3.20%
▲ 0.15% above Colorado avg
▼
Rate3.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.05%▲ 0.15% above avgNationally 2.81%
Details
Deposits under $25,000; Account Balance $10,000
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 5 times
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
36 Month Smart Move CD
$2,500
3.15%
▲ 0.10% above Colorado avg
▼
Rate3.11%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.05%▲ 0.10% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 8 times
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
Smart Move CD 36 Months
$2,500
3.15%
▲ 0.10% above Colorado avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.05%▲ 0.10% above avgNationally 2.81%
Details
Smart Move CD; start with a minimum of $2,500; one-time bump-up option; one withdrawal with no penalty if $1,000 minimum balance remains
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 8 times
Grand Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
570 25 Rd, Grand Junction, CO 81505
36 Month Certificate
$500
3.10%
▲ 0.05% above Colorado avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.05%▲ 0.05% above avgNationally 2.81%
Details
.25% bonus for Star and Senior Accounts!
Rate History
1 change since Sep 24, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00%
- Oct 12, 20263.10%▲ from 3.00%
- Sep 24, 20263.00%first recorded
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
202 Main St, Grand Junction, CO 81501
Traditional Certificate of Deposit (CD) - 3 Year
$0
3.10%
▲ 0.05% above Colorado avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.05%▲ 0.05% above avgNationally 2.81%
Details
Deposits under $25,000; Account Balance $500
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1211 N 7th St, Grand Junction, CO 81501
36 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.30% below Colorado avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.05%▼ 2.30% below avgNationally 2.81%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1211 N 7th St, Grand Junction, CO 81501
36 Month Standard CD
$1,000
0.75%
▼ 2.30% below Colorado avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.05%▼ 2.30% below avgNationally 2.81%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
Grand Junction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
633 24 Rd, Grand Junction, CO 81505
36 Month Share Certificates Regular And IRA's
$0
0.60%
▼ 2.45% below Colorado avg
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.05%▼ 2.45% below avgNationally 2.81%
Details
Div Compounds & Credits Quarterly; Div Period Calendar Quarter; APY applies only when dividends are added to principal
Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 8 times
5Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
36 Month Variable IRA
$250
4.96%
▲ 1.91% above Colorado avg
▼
Rate4.85%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.05%▲ 1.91% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 4.44% → 4.96% ▲ 0.52 pts · high 4.96% / low 4.44%
- Oct 11, 20264.96%▲ from 4.44%
- Sep 14, 20264.44%first recorded
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
36 Month Fixed-rate Certificate of Deposit
$50,000
4.50%
▲ 1.45% above Colorado avg
▼
Rate4.50%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.05%▲ 1.45% above avgNationally 2.81%
Details
Interest paid quarterly via ACH; Withdrawal before maturity is not permitted
Rate History
No change since Oct 14, 2026 · 4.50% APY
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
36 Month Certificate of Deposit
$0
4.30%
▲ 1.25% above Colorado avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.05%▲ 1.25% above avgNationally 2.81%
Details
Balance: $100,000.00+; Compounded/Credited: Monthly
Rate History
1 change since Sep 18, 2026 · 3.65% → 4.30% ▲ 0.65 pts · high 4.30% / low 3.65%
- Oct 14, 20264.30%▲ from 3.65%
- Sep 18, 20263.65%first recorded
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
36 Month JUMBO certificates
$100,000
4.20%
▲ 1.15% above Colorado avg
▼
Rate4.12%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.05%▲ 1.15% above avgNationally 2.81%
Details
Effective: October 1, 2026
Rate History
1 change since Sep 18, 2026 · 4.10% → 4.20% ▲ 0.10 pts · high 4.20% / low 4.10%
- Oct 13, 20264.20%▲ from 4.10%
- Sep 18, 20264.10%first recorded
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
Jumbo IRA CD - 36 Months
$100,000
4.20%
▲ 1.15% above Colorado avg
▼
Rate4.12%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.05%▲ 1.15% above avgNationally 2.81%
Details
IRA restrictions apply; Minimum balance to earn lowest stated dividend $100,000.00; Early withdrawal penalties apply
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.20% ▲ 0.10 pts · high 4.20% / low 4.10%
- Oct 13, 20264.20%▲ from 4.10%
- Sep 14, 20264.10%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.15%
▲ 1.10% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.05%▲ 1.10% above avgNationally 2.81%
Details
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.10%
▲ 1.05% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.05%▲ 1.05% above avgNationally 2.81%
Details
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 4 times
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
36 Month Term Certificates
$500
4.10%
▲ 1.05% above Colorado avg
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.05%▲ 1.05% above avgNationally 2.81%
Details
Early withdrawal penalties apply; Dividend withdrawal allowed; Additional deposits not permitted; Dividends compounded monthly, credited monthly; Effective: October 1, 2026
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- Oct 9, 20264.10%▲ from 4.00%
- Sep 14, 20264.00%first recorded
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
IRA Certificate (Traditional/Roth/SEP) - 36 Months
$500
4.10%
▲ 1.05% above Colorado avg
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.05%▲ 1.05% above avgNationally 2.81%
Details
traditional ira, roth ira and sep ira
Rate History
No change since Oct 13, 2026 · 4.10% APY
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
3 Year Certificate
$500
4.09%
▲ 1.04% above Colorado avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.05%▲ 1.04% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 4.09% APY · checked 5 times
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
36 Month CD
$0
4.05%
▲ 1.00% above Colorado avg
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.05%▲ 1.00% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 6 Months of Interest; Individuals only
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 8 times
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
36 Month Certificate of Deposit
$0
4.05%
▲ 1.00% above Colorado avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.05%▲ 1.00% above avgNationally 2.81%
Details
Balance: $100.00+; Compounded/Credited: Monthly
Rate History
1 change since Sep 18, 2026 · 3.40% → 4.05% ▲ 0.65 pts · high 4.05% / low 3.40%
- Oct 14, 20264.05%▲ from 3.40%
- Sep 18, 20263.40%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 36 Month
$0
4.02%
▲ 0.97% above Colorado avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.05%▲ 0.97% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.91% → 4.02% ▲ 0.11 pts · high 4.02% / low 3.91%
- Oct 13, 20264.02%▲ from 3.91%
- Sep 14, 20263.91%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 36 Month
$0
4.02%
▲ 0.97% above Colorado avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.05%▲ 0.97% above avgNationally 2.81%
Details
Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply
Rate History
2 changes since Sep 14, 2026 · 3.91% → 4.02% ▲ 0.11 pts · high 4.02% / low 3.91%
- Oct 13, 20264.02%▲ from 3.97%
- Sep 25, 20263.97%▲ from 3.91%
- Sep 14, 20263.91%first recorded
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
CD - 36 month
$0
4.00%
▲ 0.95% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.05%▲ 0.95% above avgNationally 2.81%
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 14, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
CDs & IRA Certificates of Deposit - 36 month
$0
4.00%
▲ 0.95% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.05%▲ 0.95% above avgNationally 2.81%
Details
Balance: $100,000 +
Rate History
1 change since Sep 18, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 10, 20264.00%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
36 Month Share/IRA/HSA Certificates
$0
3.90%
▲ 0.85% above Colorado avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.05%▲ 0.85% above avgNationally 2.81%
Details
Rate History
1 change since Sep 25, 2026 · 3.65% → 3.90% ▲ 0.25 pts · high 3.90% / low 3.65%
- Oct 12, 20263.90%▲ from 3.65%
- Sep 25, 20263.65%first recorded
Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
Share/IRA/HSA Certificates - 36 months
$500
3.90%
▲ 0.85% above Colorado avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.05%▲ 0.85% above avgNationally 2.81%
Details
$500 Minimum
Rate History
No change since Oct 8, 2026 · 3.90% APY · checked 2 times
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
CD - 36 month
$0
3.90%
▲ 0.85% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.05%▲ 0.85% above avgNationally 2.81%
Details
Balance: $500.00 - $99,999.99
Rate History
1 change since Sep 14, 2026 · 3.75% → 3.90% ▲ 0.15 pts · high 3.90% / low 3.75%
- Oct 14, 20263.90%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
CDs & IRA Certificates of Deposit - 36 month
$0
3.90%
▲ 0.85% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.05%▲ 0.85% above avgNationally 2.81%
Details
Balance: $500-$99,999.99
Rate History
1 change since Sep 18, 2026 · 3.65% → 3.90% ▲ 0.25 pts · high 3.90% / low 3.65%
- Oct 10, 20263.90%▲ from 3.65%
- Sep 18, 20263.65%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
36 Month IRA Certificates
$0
3.86%
▲ 0.81% above Colorado avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.05%▲ 0.81% above avgNationally 2.81%
Details
Rate History
1 change since Oct 5, 2026 · 3.81% → 3.86% ▲ 0.05 pts · high 3.86% / low 3.81%
- Oct 9, 20263.86%▲ from 3.81%
- Oct 5, 20263.81%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - 36 Month
$0
3.86%
▲ 0.81% above Colorado avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.05%▲ 0.81% above avgNationally 2.81%
Details
Rate History
2 changes since Sep 14, 2026 · 3.76% → 3.86% ▲ 0.10 pts · high 3.86% / low 3.76%
- Oct 9, 20263.86%▲ from 3.81%
- Sep 21, 20263.81%▲ from 3.76%
- Sep 14, 20263.76%first recorded
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
Consumer and Business Regular and IRA Certificates of Deposit (CDs) - 36 Months
$500
3.85%
▲ 0.80% above Colorado avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.05%▲ 0.80% above avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 3.85% APY
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
36-Month Certificate
$0
3.85%
▲ 0.80% above Colorado avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.05%▲ 0.80% above avgNationally 2.81%
Details
IRA options available; Penalty may apply for early withdrawal; Limited time offer; Membership required with one-time non-refundable $5 fee
Rate History
1 change since Sep 18, 2026 · 2.90% → 3.85% ▲ 0.95 pts · high 3.85% / low 2.90%
- Oct 14, 20263.85%▲ from 2.90%
- Sep 18, 20262.90%first recorded
Wings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
24 - 36 Month Flex CD
$1,000
3.75%
▲ 0.70% above Colorado avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.05%▲ 0.70% above avgNationally 2.81%
Details
Published APY range: 3.75%-3.65%. Page prints 'Rate: 3.75% - 3.65% APY'; one-time rate bump, one-time withdrawal of up to 50% of balance, one-time deposit of $1,000+ in first 12 months
Rate History
1 change since Sep 18, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65%
- Oct 10, 20263.75%▲ from 3.65%
- Sep 18, 20263.65%first recorded
Wings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
36 Month Flex Certificate
$0
3.75%
▲ 0.70% above Colorado avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.05%▲ 0.70% above avgNationally 2.81%
Details
Flex Certificate
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Jumbo Certificate of Deposit & Greater - 3 Year
$0
3.70%
▲ 0.65% above Colorado avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.05%▲ 0.65% above avgNationally 2.81%
Details
$100,000; Balance: $100,000 & Greater; APY based on quarterly compounding and subject to change if balance falls below $100,000; Penalty for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.70% APY
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
36 Month Term Certificates
$0
3.65%
▲ 0.60% above Colorado avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.05%▲ 0.60% above avgNationally 2.81%
Details
Dividend Rate 3.59%; APY if dividends are not withdrawn during the term
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
3 Year Jumbo Share Certificates
$0
3.65%
▲ 0.60% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.05%▲ 0.60% above avgNationally 2.81%
Details
Minimum Balance to Earn Dividends: $100,000.00
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
- Sep 25, 20263.65%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
Jumbo Share Certificates - 3 Years
$0
3.65%
▲ 0.60% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.05%▲ 0.60% above avgNationally 2.81%
Details
Rate History
No change since Oct 5, 2026 · 3.65% APY · checked 3 times
Grand Junction 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
2608 N 12th St, Grand Junction, CO 81501
Business Certificates of Deposit - 48 Month
$0
3.80%
▲ 0.86% above Colorado avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average2.94%▲ 0.86% above avgNationally 2.80%
Details
Balance: $1,000 or more
Rate History
1 change since Sep 18, 2026 · 3.45% → 3.80% ▲ 0.35 pts · high 3.80% / low 3.45%
- Oct 14, 20263.80%▲ from 3.45%
- Sep 18, 20263.45%first recorded
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
2608 N 12th St, Grand Junction, CO 81501
Certificates of Deposit - 48 Month
$0
3.80%
▲ 0.86% above Colorado avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average2.94%▲ 0.86% above avgNationally 2.80%
Details
Balance: $1,000 or more
Rate History
1 change since Sep 18, 2026 · 3.45% → 3.80% ▲ 0.35 pts · high 3.80% / low 3.45%
- Oct 14, 20263.80%▲ from 3.45%
- Sep 18, 20263.45%first recorded
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
202 Main St, Grand Junction, CO 81501
4 Year Traditional Certificate of Deposit (CD)
$0
3.40%
▲ 0.46% above Colorado avg
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▲ 0.46% above avgNationally 2.80%
Details
Balance: $100,000 and over; Deposits over $25,000
Rate History
No change since Oct 13, 2026 · 3.40% APY
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
202 Main St, Grand Junction, CO 81501
4 Year Traditional Certificate of Deposit (CD)
$0
3.30%
▲ 0.36% above Colorado avg
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▲ 0.36% above avgNationally 2.80%
Details
Balance: $25,000 - $99,999.99; Deposits over $25,000
Rate History
No change since Oct 13, 2026 · 3.30% APY
Grand Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
570 25 Rd, Grand Junction, CO 81505
48 Month Certificate
$500
3.20%
▲ 0.26% above Colorado avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average2.94%▲ 0.26% above avgNationally 2.80%
Details
.25% bonus for Star and Senior Accounts!
Rate History
1 change since Sep 24, 2026 · 3.10% → 3.20% ▲ 0.10 pts · high 3.20% / low 3.10%
- Oct 12, 20263.20%▲ from 3.10%
- Sep 24, 20263.10%first recorded
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
202 Main St, Grand Junction, CO 81501
Traditional Certificate of Deposit (CD) - 4 Year
$0
3.20%
▲ 0.26% above Colorado avg
▼
Rate3.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▲ 0.26% above avgNationally 2.80%
Details
Deposits under $25,000; Account Balance $10,000
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 5 times
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
202 Main St, Grand Junction, CO 81501
Traditional Certificate of Deposit (CD) - 4 Year
$0
3.10%
▲ 0.16% above Colorado avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▲ 0.16% above avgNationally 2.80%
Details
Deposits under $25,000; Account Balance $500
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 5 times
Coloramo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
516 28 Rd, Grand Junction, CO 81501
48 Month Share or IRA Certificate
$0
3.00%
▲ 0.06% above Colorado avg
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average2.94%▲ 0.06% above avgNationally 2.80%
Details
Effective Date: October 1, 2026
Rate History
No change since Oct 14, 2026 · 3.00% APY
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1211 N 7th St, Grand Junction, CO 81501
48 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.19% below Colorado avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average2.94%▼ 2.19% below avgNationally 2.80%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1211 N 7th St, Grand Junction, CO 81501
48 Month Standard CD
$1,000
0.75%
▼ 2.19% below Colorado avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average2.94%▼ 2.19% below avgNationally 2.80%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
Grand Junction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
633 24 Rd, Grand Junction, CO 81505
48 Month Share Certificates Regular And IRA's
$0
0.70%
▼ 2.24% below Colorado avg
▼
Rate0.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▼ 2.24% below avgNationally 2.80%
Details
Div Compounds & Credits Quarterly; Div Period Calendar Quarter; APY applies only when dividends are added to principal
Rate History
No change since Sep 14, 2026 · 0.70% APY · checked 8 times
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
4 Year Certificate
$500
4.35%
▲ 1.41% above Colorado avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average2.94%▲ 1.41% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 4.09% → 4.35% ▲ 0.26 pts · high 4.35% / low 4.09%
- Sep 24, 20264.35%▲ from 4.09%
- Sep 14, 20264.09%first recorded
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
48 Month Certificate of Deposit
$0
4.35%
▲ 1.41% above Colorado avg
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average2.94%▲ 1.41% above avgNationally 2.80%
Details
Balance: $100,000.00+; Compounded/Credited: Monthly
Rate History
1 change since Sep 18, 2026 · 3.70% → 4.35% ▲ 0.65 pts · high 4.35% / low 3.70%
- Oct 14, 20264.35%▲ from 3.70%
- Sep 18, 20263.70%first recorded
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
48 Month Fixed-rate Certificate of Deposit
$50,000
4.31%
▲ 1.37% above Colorado avg
▼
Rate4.31%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average2.94%▲ 1.37% above avgNationally 2.80%
Details
Interest paid quarterly via ACH; Withdrawal before maturity is not permitted
Rate History
No change since Oct 14, 2026 · 4.31% APY
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
48 Month JUMBO certificates
$100,000
4.30%
▲ 1.36% above Colorado avg
▼
Rate4.22%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▲ 1.36% above avgNationally 2.80%
Details
Effective: October 1, 2026
Rate History
1 change since Sep 18, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
- Oct 13, 20264.30%▲ from 4.20%
- Sep 18, 20264.20%first recorded
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
Jumbo IRA CD - 48 Months
$100,000
4.30%
▲ 1.36% above Colorado avg
▼
Rate4.22%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▲ 1.36% above avgNationally 2.80%
Details
IRA restrictions apply; Minimum balance to earn lowest stated dividend $100,000.00; Early withdrawal penalties apply
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
- Oct 13, 20264.30%▲ from 4.20%
- Sep 14, 20264.20%first recorded
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
48 Month Term Certificates
$500
4.20%
▲ 1.26% above Colorado avg
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▲ 1.26% above avgNationally 2.80%
Details
Early withdrawal penalties apply; Dividend withdrawal allowed; Additional deposits not permitted; Dividends compounded monthly, credited monthly; Effective: October 1, 2026
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.20% ▲ 0.10 pts · high 4.20% / low 4.10%
- Oct 9, 20264.20%▲ from 4.10%
- Sep 14, 20264.10%first recorded
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
IRA Certificate (Traditional/Roth/SEP) - 48 Months
$500
4.20%
▲ 1.26% above Colorado avg
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▲ 1.26% above avgNationally 2.80%
Details
traditional ira, roth ira and sep ira
Rate History
No change since Oct 13, 2026 · 4.20% APY
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
CD - 48 month
$0
4.10%
▲ 1.16% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average2.94%▲ 1.16% above avgNationally 2.80%
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
- Oct 14, 20264.10%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
CDs & IRA Certificates of Deposit - 48 month
$0
4.10%
▲ 1.16% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average2.94%▲ 1.16% above avgNationally 2.80%
Details
Balance: $100,000 +
Rate History
1 change since Sep 18, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
- Oct 10, 20264.10%▲ from 3.85%
- Sep 18, 20263.85%first recorded
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
48 Month Certificate of Deposit
$0
4.10%
▲ 1.16% above Colorado avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average2.94%▲ 1.16% above avgNationally 2.80%
Details
Balance: $100.00+; Compounded/Credited: Monthly
Rate History
1 change since Sep 18, 2026 · 3.45% → 4.10% ▲ 0.65 pts · high 4.10% / low 3.45%
- Oct 14, 20264.10%▲ from 3.45%
- Sep 18, 20263.45%first recorded
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
CD - 48 month
$0
4.00%
▲ 1.06% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average2.94%▲ 1.06% above avgNationally 2.80%
Details
Balance: $500.00 - $99,999.99
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
- Oct 14, 20264.00%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
CDs & IRA Certificates of Deposit - 48 month
$0
4.00%
▲ 1.06% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average2.94%▲ 1.06% above avgNationally 2.80%
Details
Balance: $500-$99,999.99
Rate History
1 change since Sep 18, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 10, 20264.00%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 48 Month
$0
3.97%
▲ 1.03% above Colorado avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▲ 1.03% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
- Oct 13, 20263.97%▲ from 3.91%
- Sep 14, 20263.91%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 48 Month
$0
3.97%
▲ 1.03% above Colorado avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▲ 1.03% above avgNationally 2.80%
Details
Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply
Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
- Sep 25, 20263.97%▲ from 3.91%
- Sep 14, 20263.91%first recorded
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
Consumer and Business Regular and IRA Certificates of Deposit (CDs) - 48 Months
$500
3.95%
▲ 1.01% above Colorado avg
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▲ 1.01% above avgNationally 2.80%
Details
Rate History
No change since Oct 13, 2026 · 3.95% APY
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
48 Month IRA Certificates
$0
3.81%
▲ 0.87% above Colorado avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▲ 0.87% above avgNationally 2.80%
Details
Rate History
No change since Oct 5, 2026 · 3.81% APY · checked 3 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - 48 Month
$0
3.81%
▲ 0.87% above Colorado avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▲ 0.87% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.76% → 3.81% ▲ 0.05 pts · high 3.81% / low 3.76%
- Sep 21, 20263.81%▲ from 3.76%
- Sep 14, 20263.76%first recorded
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Jumbo Certificate of Deposit & Greater - 4 Year
$0
3.70%
▲ 0.76% above Colorado avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average2.94%▲ 0.76% above avgNationally 2.80%
Details
$100,000; Balance: $100,000 & Greater; APY based on quarterly compounding and subject to change if balance falls below $100,000; Penalty for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.70% APY
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
4 Year Jumbo Share Certificates
$0
3.65%
▲ 0.71% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▲ 0.71% above avgNationally 2.80%
Details
Minimum Balance to Earn Dividends: $100,000.00
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
- Sep 25, 20263.65%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
Jumbo Share Certificates - 4 Years
$0
3.65%
▲ 0.71% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▲ 0.71% above avgNationally 2.80%
Details
Rate History
No change since Oct 5, 2026 · 3.65% APY · checked 3 times
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 10.44%
Baby-Jumbo Certificate Accounts - 48 Month Baby-Jumbo
$50,000
3.60%
▲ 0.66% above Colorado avg
▼
Rate3.55%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▲ 0.66% above avgNationally 2.80%
Details
Penalties for early withdrawal may apply and may reduce earnings
Rate History
No change since Oct 13, 2026 · 3.60% APY
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 10.44%
Certificate - 48 Month
$500
3.60%
▲ 0.66% above Colorado avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▲ 0.66% above avgNationally 2.80%
Details
Certificates & IRA Certificates; Penalties for early withdrawal may apply and may reduce earnings
Rate History
No change since Oct 13, 2026 · 3.60% APY
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 10.44%
Certificates & IRA Certificates - 48 Month
$500
3.60%
▲ 0.66% above Colorado avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▲ 0.66% above avgNationally 2.80%
Details
Rate History
No change since Oct 13, 2026 · 3.60% APY
Equitable Savings and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
48 MONTH IRA
$2,000
3.56%
▲ 0.62% above Colorado avg
▼
Rate3.50%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average2.94%▲ 0.62% above avgNationally 2.80%
Details
Penalty: 3 MO+
Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 6 times
Aurora Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.93%
48 Month Super Jumbo Certificates
$0
3.55%
▲ 0.61% above Colorado avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▲ 0.61% above avgNationally 2.80%
Details
Penalty may be imposed for early withdrawal
Rate History
No change since Oct 5, 2026 · 3.55% APY · checked 2 times
Aurora Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.93%
IRA 48 Month CD
$0
3.55%
▲ 0.61% above Colorado avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▲ 0.61% above avgNationally 2.80%
Details
Individual Retirement Account; Penalty may be imposed for early withdrawal, which could reduce earnings on the account
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
Certificate of Deposit 48-Month
$500
3.51%
▲ 0.57% above Colorado avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average2.94%▲ 0.57% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.03% → 3.51% ▲ 0.48 pts · high 3.51% / low 3.03%
- Oct 2, 20263.51%▲ from 3.03%
- Sep 14, 20263.03%first recorded
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
48 Month Term Certificates
$0
3.51%
▲ 0.57% above Colorado avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average2.94%▲ 0.57% above avgNationally 2.80%
Details
Dividend Rate 3.45%; APY if dividends are not withdrawn during the term
Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 5 times
Aurora Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.93%
Jumbo Certificates - 48 Month
$0
3.50%
▲ 0.56% above Colorado avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▲ 0.56% above avgNationally 2.80%
Details
Jumbo Certificates - $10,000; Penalty may be imposed for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
Meritrust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
48 Month Share and IRA Certificates
$0
3.50%
▲ 0.56% above Colorado avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▲ 0.56% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Options Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.43%
48 Month Certificates (CD) - Premier
$500
3.50%
▲ 0.56% above Colorado avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▲ 0.56% above avgNationally 2.80%
Details
Penalty: 180 days interest; Compounds monthly
Rate History
No change since Oct 9, 2026 · 3.50% APY · checked 2 times
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
Regular IRA Share Certificates - 4 Years
$0
3.45%
▲ 0.51% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▲ 0.51% above avgNationally 2.80%
Details
Balance: $1,000.00-$99,999.99
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.45% ▲ 0.15 pts · high 3.45% / low 3.30%
- Oct 5, 20263.45%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Aurora Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.93%
Term Certificate - 48 Month
$500
3.45%
▲ 0.51% above Colorado avg
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▲ 0.51% above avgNationally 2.80%
Details
Penalty may be imposed for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 7 times
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
Traditional Certificate - 48 Month
$0
3.45%
▲ 0.51% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▲ 0.51% above avgNationally 2.80%
Details
Min. Balance to obtain APY; Compounds Monthly; Early withdrawal penalties may apply
Rate History
No change since Oct 13, 2026 · 3.45% APY
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
Traditional IRA 48 Month Certificate
$0
3.45%
▲ 0.51% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average2.94%▲ 0.51% above avgNationally 2.80%
Details
Min. Balance to obtain APY: $1,000 and over; Compounds Monthly; Individual Retirement Account Traditional-Roth-Coverdell ESA Rates
Rate History
No change since Oct 13, 2026 · 3.45% APY
Holyoke Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
48 Month CD
$50,000
3.44%
▲ 0.50% above Colorado avg
▼
Rate3.40%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average2.94%▲ 0.50% above avgNationally 2.80%
Details
Rate History
1 change since Sep 25, 2026 · 3.14% → 3.44% ▲ 0.31 pts · high 3.44% / low 3.14%
- Oct 4, 20263.44%▲ from 3.14%
- Sep 25, 20263.14%first recorded
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Certificates of Deposit - 4 Year
$1,000
3.44%
▲ 0.50% above Colorado avg
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average2.94%▲ 0.50% above avgNationally 2.80%
Details
Rate History
No change since Oct 14, 2026 · 3.44% APY
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
48 Month Time Certificates - Fixed Rate
$0
3.40%
▲ 0.46% above Colorado avg
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average2.94%▲ 0.46% above avgNationally 2.80%
Details
Rate History
1 change since Sep 19, 2026 · 2.60% → 3.40% ▲ 0.80 pts · high 3.40% / low 2.60%
- Sep 24, 20263.40%▲ from 2.60%
- Sep 19, 20262.60%first recorded
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
IRA (Roth & Traditional) - Fixed Rate 48 months
$0
3.40%
▲ 0.46% above Colorado avg
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average2.94%▲ 0.46% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 2.60% → 3.40% ▲ 0.80 pts · high 3.40% / low 2.60%
- Sep 24, 20263.40%▲ from 2.60%
- Sep 14, 20262.60%first recorded
Grand Junction 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
60 Month Business CDs
$0
4.10%
▲ 0.97% above Colorado avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.13%▲ 0.97% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 8 times
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
60 Month Business Traditional CD
$0
4.10%
▲ 0.97% above Colorado avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.13%▲ 0.97% above avgNationally 2.91%
Details
Minimum Balance to Earn APY
Rate History
No change since Oct 14, 2026 · 4.10% APY
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
60 Month HSA CD
$0
4.10%
▲ 0.97% above Colorado avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.13%▲ 0.97% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 8 times
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
60 Month IRA CD
$0
4.10%
▲ 0.97% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.13%▲ 0.97% above avgNationally 2.91%
Details
IRA & Coverdell CDs; $500 minimum account balance
Rate History
No change since Sep 21, 2026 · 4.10% APY · checked 3 times
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
60 Month Traditional CD
$0
4.10%
▲ 0.97% above Colorado avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.13%▲ 0.97% above avgNationally 2.91%
Details
Balance: $500 Minimum to Earn APY
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 8 times
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
Traditional CD - 60 Months
$0
4.10%
▲ 0.97% above Colorado avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.13%▲ 0.97% above avgNationally 2.91%
Details
Minimum Balance to Earn APY: $500
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 8 times
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
2608 N 12th St, Grand Junction, CO 81501
Business Certificates of Deposit - 60 Month
$0
3.90%
▲ 0.77% above Colorado avg
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.13%▲ 0.77% above avgNationally 2.91%
Details
Balance: $1,000 or more
Rate History
1 change since Sep 18, 2026 · 3.51% → 3.90% ▲ 0.39 pts · high 3.90% / low 3.51%
- Oct 14, 20263.90%▲ from 3.51%
- Sep 18, 20263.51%first recorded
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
2608 N 12th St, Grand Junction, CO 81501
Certificates of Deposit - 60 Month
$0
3.90%
▲ 0.77% above Colorado avg
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.13%▲ 0.77% above avgNationally 2.91%
Details
Balance: $1,000 or more
Rate History
1 change since Sep 18, 2026 · 3.51% → 3.90% ▲ 0.39 pts · high 3.90% / low 3.51%
- Oct 14, 20263.90%▲ from 3.51%
- Sep 18, 20263.51%first recorded
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
202 Main St, Grand Junction, CO 81501
5 Year Traditional Certificate of Deposit (CD)
$0
3.45%
▲ 0.32% above Colorado avg
▼
Rate3.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.13%▲ 0.32% above avgNationally 2.91%
Details
Balance: $100,000 and over; Deposits over $25,000
Rate History
No change since Oct 13, 2026 · 3.45% APY
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
202 Main St, Grand Junction, CO 81501
5 Year Traditional Certificate of Deposit (CD)
$0
3.35%
▲ 0.22% above Colorado avg
▼
Rate3.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.13%▲ 0.22% above avgNationally 2.91%
Details
Balance: $25,000 - $99,999.99; Deposits over $25,000
Rate History
No change since Oct 13, 2026 · 3.35% APY
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
202 Main St, Grand Junction, CO 81501
Traditional Certificate of Deposit (CD) - 5 Year
$0
3.25%
▲ 0.12% above Colorado avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.13%▲ 0.12% above avgNationally 2.91%
Details
Deposits under $25,000; Account Balance $10,000
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
202 Main St, Grand Junction, CO 81501
Traditional Certificate of Deposit (CD) - 5 Year
$0
3.15%
▲ 0.02% above Colorado avg
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.13%▲ 0.02% above avgNationally 2.91%
Details
Deposits under $25,000; Account Balance $500
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 5 times
Grand Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
570 25 Rd, Grand Junction, CO 81505
60 Month Certificate
$500
3.10%
▼ 0.03% below Colorado avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.13%▼ 0.03% below avgNationally 2.91%
Details
.25% bonus for Star and Senior Accounts!
Rate History
1 change since Sep 24, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00%
- Oct 12, 20263.10%▲ from 3.00%
- Sep 24, 20263.00%first recorded
Coloramo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
516 28 Rd, Grand Junction, CO 81501
60 Month Share or IRA Certificate
$0
3.00%
▼ 0.13% below Colorado avg
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.13%▼ 0.13% below avgNationally 2.91%
Details
Effective Date: October 1, 2026
Rate History
No change since Oct 14, 2026 · 3.00% APY
Grand Junction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
633 24 Rd, Grand Junction, CO 81505
60 Month Share Certificates Regular And IRA's
$0
0.75%
▼ 2.38% below Colorado avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.13%▼ 2.38% below avgNationally 2.91%
Details
Div Compounds & Credits Quarterly; Div Period Calendar Quarter; APY applies only when dividends are added to principal
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 8 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1211 N 7th St, Grand Junction, CO 81501
60 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.38% below Colorado avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.13%▼ 2.38% below avgNationally 2.91%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1211 N 7th St, Grand Junction, CO 81501
60 Month Standard CD
$1,000
0.75%
▼ 2.38% below Colorado avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.13%▼ 2.38% below avgNationally 2.91%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
5Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
60 Month Variable IRA
$250
5.11%
▲ 1.98% above Colorado avg
▼
Rate4.99%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.13%▲ 1.98% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 4.57% → 5.11% ▲ 0.54 pts · high 5.11% / low 4.57%
- Oct 11, 20265.11%▲ from 4.57%
- Sep 14, 20264.57%first recorded
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
60 Month JUMBO certificates
$100,000
4.45%
▲ 1.32% above Colorado avg
▼
Rate4.36%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.13%▲ 1.32% above avgNationally 2.91%
Details
Effective: October 1, 2026
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.45% ▲ 0.10 pts · high 4.45% / low 4.35%
- Oct 13, 20264.45%▲ from 4.35%
- Sep 18, 20264.35%first recorded
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
Jumbo IRA CD - 60 Months
$100,000
4.45%
▲ 1.32% above Colorado avg
▼
Rate4.36%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.13%▲ 1.32% above avgNationally 2.91%
Details
IRA restrictions apply; Minimum balance to earn lowest stated dividend $100,000.00; Early withdrawal penalties apply
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.45% ▲ 0.10 pts · high 4.45% / low 4.35%
- Oct 13, 20264.45%▲ from 4.35%
- Sep 14, 20264.35%first recorded
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
60 Month Certificate of Deposit
$0
4.40%
▲ 1.27% above Colorado avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.13%▲ 1.27% above avgNationally 2.91%
Details
Balance: $100,000.00+; Compounded/Credited: Monthly
Rate History
1 change since Sep 18, 2026 · 3.70% → 4.40% ▲ 0.70 pts · high 4.40% / low 3.70%
- Oct 14, 20264.40%▲ from 3.70%
- Sep 18, 20263.70%first recorded
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
5 Year Certificate
$500
4.35%
▲ 1.22% above Colorado avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.13%▲ 1.22% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 4.09% → 4.35% ▲ 0.26 pts · high 4.35% / low 4.09%
- Sep 24, 20264.35%▲ from 4.09%
- Sep 14, 20264.09%first recorded
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
5 Years IRA
$500
4.35%
▲ 1.22% above Colorado avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.13%▲ 1.22% above avgNationally 2.91%
Details
Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 2 times
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
60 Month Term Certificates
$500
4.35%
▲ 1.22% above Colorado avg
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.13%▲ 1.22% above avgNationally 2.91%
Details
Early withdrawal penalties apply; Dividend withdrawal allowed; Additional deposits not permitted; Dividends compounded monthly, credited monthly; Effective: October 1, 2026
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.35% ▲ 0.10 pts · high 4.35% / low 4.25%
- Oct 9, 20264.35%▲ from 4.25%
- Sep 14, 20264.25%first recorded
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
IRA Certificate (Traditional/Roth/SEP) - 60 Months
$500
4.35%
▲ 1.22% above Colorado avg
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.13%▲ 1.22% above avgNationally 2.91%
Details
traditional ira, roth ira and sep ira
Rate History
No change since Oct 13, 2026 · 4.35% APY
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
60 Month Certificate of Deposit
$0
4.15%
▲ 1.02% above Colorado avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.13%▲ 1.02% above avgNationally 2.91%
Details
Balance: $100.00+; Compounded/Credited: Monthly
Rate History
1 change since Sep 18, 2026 · 3.45% → 4.15% ▲ 0.70 pts · high 4.15% / low 3.45%
- Oct 14, 20264.15%▲ from 3.45%
- Sep 18, 20263.45%first recorded
Wings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
60 Month Certificate
$0
4.15%
▲ 1.02% above Colorado avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.13%▲ 1.02% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
Options Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.43%
60 Month Certificates (CD) - Premier
$500
4.10%
▲ 0.97% above Colorado avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.13%▲ 0.97% above avgNationally 2.91%
Details
Penalty: 180 days interest; Compounds monthly
Rate History
No change since Oct 9, 2026 · 4.10% APY · checked 2 times
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
CD - 60 month
$0
4.10%
▲ 0.97% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.13%▲ 0.97% above avgNationally 2.91%
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
- Oct 14, 20264.10%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
CDs & IRA Certificates of Deposit - 60 month
$0
4.10%
▲ 0.97% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.13%▲ 0.97% above avgNationally 2.91%
Details
Balance: $100,000 +
Rate History
1 change since Sep 18, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
- Oct 10, 20264.10%▲ from 3.85%
- Sep 18, 20263.85%first recorded
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
Consumer and Business Regular and IRA Certificates of Deposit (CDs) - 60 Months
$500
4.05%
▲ 0.92% above Colorado avg
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.13%▲ 0.92% above avgNationally 2.91%
Details
Rate History
No change since Oct 13, 2026 · 4.05% APY
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
60-Month Certificate
$0
4.05%
▲ 0.92% above Colorado avg
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.13%▲ 0.92% above avgNationally 2.91%
Details
IRA options available; Penalty may apply for early withdrawal; Limited time offer; Membership required with one-time non-refundable $5 fee
Rate History
1 change since Sep 18, 2026 · 3.15% → 4.05% ▲ 0.90 pts · high 4.05% / low 3.15%
- Oct 14, 20264.05%▲ from 3.15%
- Sep 18, 20263.15%first recorded
Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
60 Month Share/IRA/HSA Certificates
$0
4.00%
▲ 0.87% above Colorado avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.13%▲ 0.87% above avgNationally 2.91%
Details
Rate History
1 change since Sep 25, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 8, 20264.00%▲ from 3.75%
- Sep 25, 20263.75%first recorded
Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
Share/IRA/HSA Certificates - 60 months
$500
4.00%
▲ 0.87% above Colorado avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.13%▲ 0.87% above avgNationally 2.91%
Details
$500 Minimum
Rate History
1 change since Sep 25, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 8, 20264.00%▲ from 3.75%
- Sep 25, 20263.75%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 60 Month
$0
4.00%
▲ 0.87% above Colorado avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.13%▲ 0.87% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 60 Month
$0
4.00%
▲ 0.87% above Colorado avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.13%▲ 0.87% above avgNationally 2.91%
Details
Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
Weld Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
Regular and IRA Certificates of Deposit - 60 Month Term
$500
4.00%
▲ 0.87% above Colorado avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.13%▲ 0.87% above avgNationally 2.91%
Details
Minimum Opening Deposit: $500; Maximum total CD Deposit: $500,000 per person
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Weld Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
Youth Certificates of Deposit - 60 Month Term
$100
4.00%
▲ 0.87% above Colorado avg
▼
Rate3.92%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.13%▲ 0.87% above avgNationally 2.91%
Details
Maximum total CD Deposit: $500,000 per person
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
CD - 60 month
$0
4.00%
▲ 0.87% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.13%▲ 0.87% above avgNationally 2.91%
Details
Balance: $500.00 - $99,999.99
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
- Oct 14, 20264.00%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
CDs & IRA Certificates of Deposit - 60 month
$0
4.00%
▲ 0.87% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.13%▲ 0.87% above avgNationally 2.91%
Details
Balance: $500-$99,999.99
Rate History
1 change since Sep 18, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 10, 20264.00%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
60 Month CD
$0
3.95%
▲ 0.82% above Colorado avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.13%▲ 0.82% above avgNationally 2.91%
Details
Early Withdrawal Penalty: 6 Months of Interest; Individuals only
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 8 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$0
3.90%
▲ 0.77% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.13%▲ 0.77% above avgNationally 2.91%
Details
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$0
3.85%
▲ 0.72% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.13%▲ 0.72% above avgNationally 2.91%
Details
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 4 times
Options Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.43%
60 Month Certificates (CD) - Advantage
$500
3.85%
▲ 0.72% above Colorado avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.13%▲ 0.72% above avgNationally 2.91%
Details
Penalty: 180 days interest; Compounds monthly; Advantage Members can receive a +0.25% rate boost on new certificates
Rate History
No change since Oct 9, 2026 · 3.85% APY · checked 2 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
60 Month IRA Certificates
$0
3.84%
▲ 0.71% above Colorado avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.13%▲ 0.71% above avgNationally 2.91%
Details
Rate History
No change since Oct 5, 2026 · 3.84% APY · checked 3 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - 60 Month
$0
3.84%
▲ 0.71% above Colorado avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.13%▲ 0.71% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 3.84% APY · checked 7 times
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Jumbo Certificate of Deposit & Greater - 5 Year
$0
3.70%
▲ 0.57% above Colorado avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.13%▲ 0.57% above avgNationally 2.91%
Details
$100,000; Balance: $100,000 & Greater; APY based on quarterly compounding and subject to change if balance falls below $100,000; Penalty for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.70% APY
Equitable Savings and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
60 MONTH IRA
$2,000
3.67%
▲ 0.54% above Colorado avg
▼
Rate3.60%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Colorado Average3.13%▲ 0.54% above avgNationally 2.91%
Details
Penalty: 3 MO+
Rate History
No change since Sep 14, 2026 · 3.67% APY · checked 6 times
Fidelis Catholic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
60 Month Share Certificate
$0
3.65%
▲ 0.52% above Colorado avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Colorado Average3.13%▲ 0.52% above avgNationally 2.91%
Details
Compounded: Monthly
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
5 Year Jumbo Share Certificates
$0
3.65%
▲ 0.52% above Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Colorado Average3.13%▲ 0.52% above avgNationally 2.91%
Details
Minimum Balance to Earn Dividends: $100,000.00
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
- Sep 25, 20263.65%▲ from 3.50%
- Sep 14, 20263.50%first recorded
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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.
Grand Junction, CO CD Rate Trends
Compare local Grand Junction, 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
3.289%
▲ 0.032 vs 7 days ago
Colorado 12-month CD rates rose 0.032 points over the past 7 days to 3.289% APY.
6-Month CD CO Avg
3.184%
▲ 0.011 vs 7 days ago
Colorado 6-month CD rates rose 0.011 points over the past 7 days to 3.184% APY.
As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions
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CO CD Rate Forecast, Next 12 Months
Where are Colorado CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
CO 12-Month Avg APY
3.289%
6-Month Forecast
3.289%
Range: 3.09%, 3.44%
12-Month Forecast
3.539%
Range: 3.34%, 3.69%
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What Your Savings Earn at CO CD Rates Today
Annual interest earnings at today’s Colorado average APYs. State average used where available; national average as fallback.
| CD Term | CO Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.337% | $116.86 | $233.72 | $584.30 | $1,168.60 |
| 6-Month CD | 3.184% | $159.20 | $318.39 | $795.98 | $1,591.95 |
| 12-Month CD | 3.289% | $164.45 | $328.91 | $822.27 | $1,644.55 |
| 18-Month CD | 3.102% | $155.12 | $310.24 | $775.60 | $1,551.20 |
| 24-Month CD | 3.075% | $153.73 | $307.45 | $768.63 | $1,537.25 |
| 36-Month CD | 3.051% | $152.56 | $305.11 | $762.78 | $1,525.55 |
| 48-Month CD | 2.939% | $146.95 | $293.89 | $734.72 | $1,469.45 |
| 60-Month CD | 3.130% | $156.52 | $313.03 | $782.57 | $1,565.15 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 14, 2026. | |||||
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Sample CD Ladder for Grand Junction, Colorado Savers
$25,000 split equally across 5 terms using today’s Colorado average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | CO Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.337% | $116.86 |
| 2 | 6-Month CD | $5,000 | 3.184% | $159.20 |
| 3 | 12-Month CD | $5,000 | 3.289% | $164.45 |
| 4 | 24-Month CD | $5,000 | 3.075% | $153.73 |
| 5 | 36-Month CD | $5,000 | 3.051% | $152.56 |
| Total ($25,000 invested) | $25,000 | 2.987% blended | $746.80/yr | |
Ladder example uses equal $5,000 rungs and Colorado average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
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939
CD Rates
Tracked in Grand Junction, Colorado
Tracked in Grand Junction, Colorado
37 Banks
52 Credit Unions
About Our Grand Junction, Colorado CD Rate Database
MonitorBankRates tracks 939 CD rates from 37 banks and 52 credit unions with locations in Grand Junction, Colorado, plus national online institutions available to Colorado residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Bellco Credit Union offers a CD at 4.10% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Grand Junction, Colorado.
How to Find the Best CD Rates in Grand Junction, Colorado
What to compare when shopping for a CD in Grand Junction, Colorado
To find the best APYs in Grand Junction, Colorado, start with credit unions and online-only banks: Grand Junction, Colorado has 52 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 Grand Junction, 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 Grand Junction, Colorado: 89 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Grand Junction, Colorado savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Grand Junction, Colorado money market rates
Grand Junction, Colorado Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
21.0%
National avg: 17.3%
Median Individual Earnings
$38,284
National avg: $47,340
Poverty Rate
11.8%
National avg: 11.1%
Unemployment Rate
4.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$126/yr
At CO 12-mo avg 3.289% APY
21.0% of residents are 65 or older, above the national average of 17.3%, making fixed-rate CDs a particularly relevant savings vehicle in this market. At today’s CO 12-month CD average of 3.289%, saving 10% of the local median salary ($3,828/year) and putting it in a CD would earn an additional $126 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 Grand Junction, Colorado
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Grand Junction, 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 Grand Junction, 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 Grand Junction, Colorado as everywhere in the U.S.
Choosing a CD Term in Grand Junction, 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 Grand Junction, Colorado savers easier access to their funds. For example, Bellco Credit Union is offering its 6 Month Business CDs at 3.85% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Bellco Credit Union is offering its 60 Month Business CDs at 4.10% 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 Grand Junction, 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 Grand Junction, 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 Grand Junction, 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 Grand Junction, 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 Grand Junction, Colorado
Most CDs carry a fixed rate that is locked for the entire term, protecting a Grand Junction, 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 Grand Junction, Colorado
Are CD rates in Grand Junction, Colorado FDIC insured?
Yes, most established banks in Grand Junction, 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 Grand Junction, 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 Grand Junction, 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 Grand Junction, 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 Grand Junction, Colorado?
Here are recent top rates found for this area:
- Bellco Credit Union: 4.10% APY (60 Month Business CDs)
- ANB Bank: 3.90% APY (Business Certificates of Deposit - 60 Month)
- Credit Union Of Colorado: 3.80% APY (1 Year Traditional Certificate of Deposit (CD))
- Rio Grande Federal Credit Union: 3.65% APY (CD 12 Month)
- Coloramo Federal Credit Union: 3.40% APY (12 Month Share or IRA Certificate)
- Grand Valley Bank: 3.30% APY (12 Month Certificate)
- Wells Fargo: 1.51% APY (1 year Standard Fixed Rate CD - Relationship)
- Grand Junction Federal Credit Union: 0.75% APY (60 Month Share Certificates Regular And IRA's)
- BMO Bank National Association: 0.75% APY (12 Month IRA Certificate of Deposit)
- NuVista Federal Credit Union: 5.12% APY (12 Month DREAM Certificate)
Rates reflect recent verified offers available in Grand Junction, Colorado. Last Updated: October 14, 2026
Grand Junction, Colorado CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Grand Junction, Colorado rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Grand Junction, Colorado
Grand Junction, Colorado CD Calculator
At today’s CO top rate of 4.10% APY, a $10,000 deposit earns $410 in the first year. Enter your amount to see your exact return.
Grand Junction, Colorado CD LadderCO CD rates currently range from 2.337% (3-month) to 3.051% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Grand Junction, Colorado CD at 4.10% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsColorado’s average 12-month CD is 3.289% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Grand Junction, 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 Grand Junction, 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 Grand Junction, Colorado. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in CO.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 14, 2026
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