Golden, Colorado (CO) Savings Rates - March 2026
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The savings 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.
The best savings rates for Golden, Colorado and the surrounding area include FirstBank (Colorado)FirstBank (Colorado)14185 W Colfax Dr, Golden, CO 80401A+5.0 ★Texas Ratio: 1.68% Bloom Savings Account at 3.35% APY, Credit Union Of ColoradoCredit Union Of Colorado1800 Jackson St, Golden, CO 80401A+5.0 ★Texas Ratio: 4.15% Everyday w/ High-Yield Savings at 3.10% APY, On Tap Credit UnionOn Tap Credit Union816 Washington Ave, Golden, CO 80401A5.0 ★Texas Ratio: 9.08% Peak Tiered Savings at 2.75% APY, UMB BankUMB Bank770 Heritage Rd, Golden, CO 80401A+5.0 ★Texas Ratio: 0.71% UMB Premium Savings at 0.55% APY, and BOK FinancialBOK Financial1707 Cole Boulevard, Golden, CO 80401A+5.0 ★Texas Ratio: 3.85% Youth Savings at 0.25% APY. Savings rates as of March 28, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Golden, Colorado, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Golden, Colorado (CO) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Golden, Colorado and the surrounding area. Last Updated and Verified: March 28, 2026
Compare the Best Savings Rates in Golden, Colorado & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
14185 W Colfax Dr, Golden, CO 80401
Bloom Savings Account
3.35%
$0
▼
Rate3.29%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
1800 Jackson St, Golden, CO 80401
Everyday w/ High-Yield Savings
3.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Make your money work for you.
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
1800 Jackson St, Golden, CO 80401
Everyday Account w/High-Yield Savings
3.10%
$0
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
rate applies to savings account only
FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
14185 W Colfax Dr, Golden, CO 80401
Bloom Savings Account
2.85%
$0
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.08%
816 Washington Ave, Golden, CO 80401
Peak Tiered Savings
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.08%
816 Washington Ave, Golden, CO 80401
Business Peak Performance Savings
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
14185 W Colfax Dr, Golden, CO 80401
Bloom Savings Account
1.45%
$0
▼
Rate1.44%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.08%
816 Washington Ave, Golden, CO 80401
Stout High-Yield Savings
1.00%
$0
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
14185 W Colfax Dr, Golden, CO 80401
Business 2 Year Time Savings Account
0.75%
$0
▼
Rate0.74%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
14185 W Colfax Dr, Golden, CO 80401
2 Year Time Savings Account
0.75%
$0
▼
Rate0.74%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
770 Heritage Rd, Golden, CO 80401
UMB Premium Savings
0.55%
$0
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.08%
816 Washington Ave, Golden, CO 80401
Build a Dream Savings Club
0.50%
$25
▼
Rate0.50%
Min Deposit$25
Min Balance—
UpdatedMar 28, 2026
Details
Qualifying balance up to $3,000.00
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.08%
816 Washington Ave, Golden, CO 80401
Peak Tiered Savings
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
14185 W Colfax Dr, Golden, CO 80401
1 Year Time Savings Account
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
14185 W Colfax Dr, Golden, CO 80401
1 Year Time Savings
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.08%
816 Washington Ave, Golden, CO 80401
Business Peak Performance Savings
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.08%
816 Washington Ave, Golden, CO 80401
Learn to Earn Savings Club
0.50%
$25
▼
Rate0.50%
Min Deposit$25
Min Balance—
UpdatedMar 28, 2026
Details
Qualifying balance up to $3,000.00
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.08%
816 Washington Ave, Golden, CO 80401
learn-to-earn savings club
0.50%
$25
▼
Rate0.50%
Min Deposit$25
Min Balance—
UpdatedMar 28, 2026
Details
FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
14185 W Colfax Dr, Golden, CO 80401
Business 1 Year Time Savings Account
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
1800 Jackson St, Golden, CO 80401
Share Savings Account
0.40%
$25
▼
Rate0.40%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
1800 Jackson St, Golden, CO 80401
Share Savings Account
0.35%
$25
▼
Rate0.35%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details
FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
14185 W Colfax Dr, Golden, CO 80401
Bloom Savings Account
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
1800 Jackson St, Golden, CO 80401
Share Savings Account
0.30%
$25
▼
Rate0.30%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
1800 Jackson St, Golden, CO 80401
Business Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
1800 Jackson St, Golden, CO 80401
Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
14185 W Colfax Dr, Golden, CO 80401
Smart Choice College Savings Plan
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
1800 Jackson St, Golden, CO 80401
Share Savings Account
0.25%
$25
▼
Rate0.25%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.08%
816 Washington Ave, Golden, CO 80401
Business Peak Performance Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.08%
816 Washington Ave, Golden, CO 80401
Peak Tiered Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
14185 W Colfax Dr, Golden, CO 80401
Money Market Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
1707 Cole Boulevard, Golden, CO 80401
Youth Savings
0.25%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 25, 2026
Details
$5 opening deposit required
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.08%
816 Washington Ave, Golden, CO 80401
Business Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Independent Bank Mckinney, TX
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
16800 W Colfax Ave, Golden, CO 80401
Business Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.08%
816 Washington Ave, Golden, CO 80401
Business Peak Performance Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
14185 W Colfax Dr, Golden, CO 80401
Business 91 Day Time Savings Account
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
14185 W Colfax Dr, Golden, CO 80401
Money Market Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
14185 W Colfax Dr, Golden, CO 80401
Smart Choice College Savings Plan
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
1707 Cole Boulevard, Golden, CO 80401
Personal Savings
0.10%
$50
▼
Rate0.00%
Min Deposit$50
Min Balance—
UpdatedMar 25, 2026
Details
$50 opening deposit required
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.08%
816 Washington Ave, Golden, CO 80401
Peak Tiered Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
14185 W Colfax Dr, Golden, CO 80401
91 Day Time Savings Account
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.08%
816 Washington Ave, Golden, CO 80401
Brewster savings club
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.08%
816 Washington Ave, Golden, CO 80401
build a dream savings club
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.08%
816 Washington Ave, Golden, CO 80401
IRA Share Acct
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 28, 2026
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.08%
816 Washington Ave, Golden, CO 80401
Learn to Earn Savings Club
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 28, 2026
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.08%
816 Washington Ave, Golden, CO 80401
Share Account
0.05%
$5
▼
Rate0.05%
Min Deposit$5
Min Balance—
UpdatedMar 28, 2026
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.08%
816 Washington Ave, Golden, CO 80401
Stout High-Yield Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.08%
816 Washington Ave, Golden, CO 80401
You name it Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.08%
816 Washington Ave, Golden, CO 80401
Basic savings Account
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Credit Union of The Rockies
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
1010 Johnson Rd Ste 120, Golden, CO 80401 6041
IRA Share Account
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1301 Jackson St, Golden, CO 80401
Platinum Savings
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1301 Jackson St, Golden, CO 80401
Retirement High Yield Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
14185 W Colfax Dr, Golden, CO 80401
Bloom Savings Account
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
14185 W Colfax Dr, Golden, CO 80401
Business Money Market Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
14185 W Colfax Dr, Golden, CO 80401
Money Market Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
14185 W Colfax Dr, Golden, CO 80401
Smart Choice College Savings Plan
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
770 Heritage Rd, Golden, CO 80401
UMB Savings
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1301 Jackson St, Golden, CO 80401
Platinum Savings
0.02%
$25
▼
Rate0.02%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
14185 W Colfax Dr, Golden, CO 80401
Business Regular Savings
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
14185 W Colfax Dr, Golden, CO 80401
Regular Savings
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1301 Jackson St, Golden, CO 80401
Platinum Savings
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
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MonitorBankRates
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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Golden, CO Savings Rate Trends
Compare local Golden, CO savings rate quotes against the statewide average
Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield Savings — CO Avg
0.976%
▼ 2.088 from last week
Colorado high-yield savings rates fell 2.088 points this week to 0.976% APY, down from 3.064% last week.
Standard Savings — CO Avg
0.809%
▲ 0.004 from last week
Colorado standard savings rates rose 0.004 points this week to 0.809% APY, up from 0.805% last week.
As of Mar 28, 2026 •
Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Golden, Colorado directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every savings rate displayed 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 Golden, Colorado. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in CO.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Golden, Colorado
What is a High-Yield Savings Account (HYSA)?
A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in Colorado, help your money grow faster through a higher APY.
Are savings accounts in Golden, Colorado safe?
Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Colorado up to $250,000 per depositor, per institution.
How often do savings rates change in Golden, Colorado?
Savings rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Colorado rate tables daily to ensure you see the most current high-yield options.
Do I need a minimum deposit to open a savings account?
It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Golden, Colorado may require $25–$100 to open an account.
What is the difference between a Savings Account and a Money Market Account?
Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.
Are online banks better than local banks in Golden, Colorado?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Golden, Colorado offer in-person customer service, which some customers prefer.
How do I open a savings account in Golden, Colorado?
You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.
Best Savings Rates in Golden, Colorado
Here are recent savings rates observed in Golden, Colorado and the surrounding area:
- FirstBank (Colorado)
Bloom Savings Account — 3.35% APY - Credit Union Of Colorado
Everyday w/ High-Yield Savings — 3.10% APY - On Tap Credit Union
Peak Tiered Savings — 2.75% APY - UMB Bank
UMB Premium Savings — 0.55% APY - BOK Financial
Youth Savings — 0.25% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Golden, Colorado. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 28, 2026
