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CD Rate Trends

Colorado Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 23, 2026

Colorado CD rates range from 0.01% to 5.12% APY, verified by MonitorBankRates as of October 23, 2026. Current Colorado CD rates include NuVista Federal Credit UnionNuVista Federal Credit Union2711 Commercial Way, Montrose, CO 81401A+5.0 ★Texas Ratio: 0.00%Real return: +1.42%APY minus CPIRate verified Oct 23, 2026 offering 12 Month DREAM Certificate at 5.12% APY, 5Star Bank5Star Bank104 S Cascade Ave, Colorado Springs, CO 80903A+5.0 ★Texas Ratio: 2.98%Real return: +1.41%APY minus CPIRate verified Oct 22, 2026 offering 60 Month Variable IRA at 5.11% APY, Austin Capital BankAustin Capital Bank685 Citadel Dr E Ste 290 9, Colorado Springs, CO 80909A+5.0 ★Texas Ratio: 2.96%Real return: +0.88%APY minus CPIRate verified Oct 21, 2026 offering 3 Month Certificate of Deposit at 4.58% APY, Bankers Bank of the WestBankers Bank of the West1099 18th St, Denver, CO 80202A5.0 ★Texas Ratio: 6.05%Real return: +0.85%APY minus CPIRate verified Oct 21, 2026 offering Fixed-rate Certificate of Deposit - 24 months at 4.55% APY, and On Tap Credit UnionOn Tap Credit Union816 Washington Ave, Golden, CO 80401A5.0 ★Texas Ratio: 9.06%Real return: +0.75%APY minus CPIRate verified Oct 19, 2026 offering 60 Month Certificate at 4.45% APY. CD rates as of October 23, 2026 according to verified data from MonitorBankRates.

Use the tables below to compare CD rates across all terms in Colorado side-by-side. Colorado CD rates currently reach as high as 5.12% APY from NuVista Federal Credit Union at 2711 Commercial Way, Montrose, CO 81401. 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 23, 2026

Compare Best CD Rates in Colorado

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Colorado 3 Month CD Rates

MonitorBankRates Colorado Average · 3 Month CD2.40% APY▲ 0.01% from last weekNational 2.13%
View 3-month CD rate trend

The average 3-month CD rate in Colorado is 2.40% APY, compared with 2.13% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
685 Citadel Dr E Ste 290 9, Colorado Springs, CO 80909
3 Month Certificate of Deposit
$0
4.58% ▲ 2.18% above Colorado avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average2.40%▲ 2.18% above avgNationally 2.13%
Details

Balance: Up to $99,999.99; Minimum $1,000 required for all CDs; early withdrawal penalty applies if not held to maturity; Assumes no compounding, interest paid annually or at maturity

Rate History
1 change since Sep 27, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
3.82%4.45%5.08%Sep 27, 2026: 4.32% APYOct 3, 2026: 4.58% APYSep 27, 2026Oct 25, 2026
  • Oct 3, 20264.58%▲ from 4.32%
  • Sep 27, 20264.32%first recorded
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
120 S Wilcox St, Castle Rock, CO 80104
3 Month CD
$0
4.14% ▲ 1.74% above Colorado avg
View
▼
Rate4.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average2.40%▲ 1.74% above avgNationally 2.13%
Details

APY current as of September 21, 2026; early withdrawal penalty may apply; auto-renews to fixed rate CD of equivalent term

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.14% ▲ 0.54 pts · high 4.14% / low 3.60%
3.06%3.87%4.68%Sep 14, 2026: 3.60% APYSep 24, 2026: 4.14% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20264.14%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
1635 E Colfax Ave, Denver, CO 80218
3-Month Time Deposit Account Special Offer
$500
3.85% ▲ 1.45% above Colorado avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average2.40%▲ 1.45% above avgNationally 2.13%
Details

Balance: under $100k; Limited time special offer; Effective Date: 10/19/2026; Not available for individual retirement or business accounts; Apply online

Rate History
No change since Oct 20, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 20, 2026: 3.85% APYOct 20, 2026Oct 25, 2026
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
8400 E Prentice Ave, Greenwood Village, CO 80111
3 Month CD
$0
3.75% ▲ 1.35% above Colorado avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average2.40%▲ 1.35% above avgNationally 2.13%
Details

Early Withdrawal Penalty: 1 Month of Interest

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65%
3.15%3.70%4.25%Sep 14, 2026: 3.65% APYOct 20, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
  • Oct 20, 20263.75%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Wings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
7250 Campus Dr, Colorado Springs, CO 80920 6517
3 Month Standard CD
$500
3.75% ▲ 1.35% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average2.40%▲ 1.35% above avgNationally 2.13%
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
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
High Plains Bank Flagler, CO
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
329 Main Ave, Flagler, CO 80815
3 Month Higher Yield CD
$250
3.70% ▲ 1.30% above Colorado avg
View
▼
Rate3.63%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average2.40%▲ 1.30% above avgNationally 2.13%
Details

Early withdrawal penalty may apply

Rate History
No change since Oct 20, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 20, 2026: 3.70% APYOct 20, 2026Oct 25, 2026
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1075 Acoma St, Denver, CO 80204 4326
3 Month Certificates of Deposit (CD)
$0
3.70% ▲ 1.30% above Colorado avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.40%▲ 1.30% above avgNationally 2.13%
Details

Balance: $100.00 and over; Compounded/Credited: Monthly

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.70% ▲ 0.40 pts · high 3.70% / low 3.30%
2.80%3.50%4.20%Sep 14, 2026: 3.30% APYOct 10, 2026: 3.70% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20263.70%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1075 Acoma St, Denver, CO 80204 4326
Certificate of Deposit - 3 Months
$0
3.70% ▲ 1.30% above Colorado avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.40%▲ 1.30% above avgNationally 2.13%
Details

Balance: $100.00 and over; Compounded/Credited: Monthly

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.70% ▲ 0.40 pts · high 3.70% / low 3.30%
2.80%3.50%4.20%Sep 14, 2026: 3.30% APYOct 10, 2026: 3.70% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20263.70%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
155 Boardwalk Dr, Fort Collins, CO 80525
3 Month Certificates of Deposit
$0
3.50% ▲ 1.10% above Colorado avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average2.40%▲ 1.10% above avgNationally 2.13%
Details

Minimum Balance $500

Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 20, 2026: 3.50% APYOct 20, 2026Oct 25, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
155 Boardwalk Dr, Fort Collins, CO 80525
CD - 3 months
$0
3.50% ▲ 1.10% above Colorado avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average2.40%▲ 1.10% above avgNationally 2.13%
Details

Accurate as of 09/30/2026

Rate History
No change since Oct 2, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Oct 2, 2026: 3.50% APYOct 2, 2026Oct 25, 2026
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
9053 Harlan St Ste 10, Westminster, CO 80031 2908
Share Certificates - 3-Month
$500
3.50% ▲ 1.10% above Colorado avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average2.40%▲ 1.10% above avgNationally 2.13%
Details

Rate History
No change since Oct 15, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 15, 2026: 3.50% APYOct 15, 2026Oct 25, 2026
North Valley Bank Thornton, CO
Institution Rating:
A5.0 ★Texas Ratio: 13.05%
9001 Washington St, Thornton, CO 80229
3 Month CD
$1,000
3.49% ▲ 1.09% above Colorado avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average2.40%▲ 1.09% above avgNationally 2.13%
Details

Certificates of Deposit

Rate History
1 change since Sep 15, 2026 · 3.24% → 3.49% ▲ 0.25 pts · high 3.49% / low 3.24%
2.74%3.37%3.99%Sep 15, 2026: 3.24% APYOct 21, 2026: 3.49% APYSep 15, 2026Oct 25, 2026
  • Oct 21, 20263.49%▲ from 3.24%
  • Sep 15, 20263.24%first recorded
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 10.44%
1010 Johnson Rd Ste 120, Golden, CO 80401 6041
3 Month Certificate
$500
3.40% ▲ 1.00% above Colorado avg
View
▼
Rate3.36%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.40%▲ 1.00% above avgNationally 2.13%
Details

Early withdrawal penalties may apply and may reduce earnings

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 8 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 25, 2026
Holyoke Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
101 W Denver St, Holyoke, CO 80734 1427
CD - 3 month
$500
3.29% ▲ 0.89% above Colorado avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average2.40%▲ 0.89% above avgNationally 2.13%
Details

Rate History
No change since Sep 25, 2026 · 3.29% APY · checked 5 times
2.79%3.29%3.79%Sep 25, 2026: 3.29% APYSep 25, 2026Oct 25, 2026
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1549 E Abriendo Ave, Pueblo, CO 81004 3403
Certificates of Deposit - 3 Month
$500
3.29% ▲ 0.89% above Colorado avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.40%▲ 0.89% above avgNationally 2.13%
Details

Compounded/Credited: Quarterly; Effective: 10/01/2026

Rate History
No change since Oct 14, 2026 · 3.29% APY · checked 2 times
2.79%3.29%3.79%Oct 14, 2026: 3.29% APYOct 14, 2026Oct 25, 2026
Golden Belt Bank, FSA
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
321 Ensign St, Fort Morgan, CO 80701
3 Month CD
$1,000
3.25% ▲ 0.85% above Colorado avg
View
▼
Rate3.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average2.40%▲ 0.85% above avgNationally 2.13%
Details

Rates listed are valid for personal accounts only. Early withdrawal penalty may apply.

Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Oct 14, 2026: 3.25% APYOct 14, 2026Oct 25, 2026
First Technology Federal Credit Union 2720 Council Tree Ave Ste 188, Fort Collins, CO 80525
Traditional Share Certificates - 3-Month
$100,000
3.25% ▲ 0.85% above Colorado avg
View
▼
Rate3.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average2.40%▲ 0.85% above avgNationally 2.13%
Details

Balance: $100,000.00 and over

Rate History
No change since Oct 22, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Oct 25, 2026
First Technology Federal Credit Union 2720 Council Tree Ave Ste 188, Fort Collins, CO 80525
IRA Certificates - 3-Month
$100,000
3.25% ▲ 0.85% above Colorado avg
View
▼
Rate3.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average2.40%▲ 0.85% above avgNationally 2.13%
Details

Balance: 100,000.00 and over

Rate History
No change since Oct 22, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Oct 25, 2026
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
720 W Midland Ave, Woodland Park, CO 80863 3025
3-Month Certificate
$500
3.25% ▲ 0.85% above Colorado avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.40%▲ 0.85% above avgNationally 2.13%
Details

Regular Share Certificate

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 25, 2026
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
720 W Midland Ave, Woodland Park, CO 80863 3025
3-Month IRA Certificate
$500
3.25% ▲ 0.85% above Colorado avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.40%▲ 0.85% above avgNationally 2.13%
Details

IRA certificate; one-time dividend rate bump permitted during original term

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 25, 2026
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
600 S Lincoln Ave, Steamboat Springs, CO 80487
Time Certificates - 3 months
$1,000
3.20% ▲ 0.80% above Colorado avg
View
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average2.40%▲ 0.80% above avgNationally 2.13%
Details

Minimum of $1,000 to open

Rate History
No change since Oct 21, 2026 · 3.20% APY
2.70%3.20%3.70%Oct 21, 2026: 3.20% APYOct 21, 2026Oct 25, 2026
Grand Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
452 S Maple St, Fruita, CO 81521
3 Month Time Certificate of Deposit
$500
3.20% ▲ 0.80% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average2.40%▲ 0.80% above avgNationally 2.13%
Details

Additional .25% bonus for Star and Senior Account customers

Rate History
1 change since Sep 14, 2026 · 3.10% → 3.20% ▲ 0.10 pts · high 3.20% / low 3.10%
2.60%3.15%3.70%Sep 14, 2026: 3.10% APYOct 3, 2026: 3.20% APYSep 14, 2026Oct 25, 2026
  • Oct 3, 20263.20%▲ from 3.10%
  • Sep 14, 20263.10%first recorded
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
22 Town Plz, Durango, CO 81301 5104
3 Month Term Certificate
$500
3.10% ▲ 0.70% above Colorado avg
View
▼
Rate3.06%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average2.40%▲ 0.70% above avgNationally 2.13%
Details

Standard Term Certificate; available to personal and business members

Rate History
No change since Oct 8, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 8, 2026: 3.10% APYOct 8, 2026Oct 25, 2026
Open Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
2821 S Parker Rd, Aurora, CO 80014
90 Day Certificate of Deposit
$1,000
3.02% ▲ 0.62% above Colorado avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average2.40%▲ 0.62% above avgNationally 2.13%
Details

Balance: $1,000.00 - $250,000.00; Business & Consumer (Personal) Certificate of Deposit Accounts

Rate History
No change since Oct 22, 2026 · 3.02% APY
2.52%3.02%3.52%Oct 22, 2026: 3.02% APYOct 22, 2026Oct 25, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3033 E 1st Ave, Denver, CO 80206
Certificates of Deposit - 90 Day
$0
3.00% ▲ 0.60% above Colorado avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average2.40%▲ 0.60% above avgNationally 2.13%
Details

Balance: $1,000 or more

Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 14, 2026: 3.00% APYOct 14, 2026Oct 25, 2026
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
209 E Main St Ste 104, Rangely, CO 81648
Share Certificate - 3 Months
$0
3.00% ▲ 0.60% above Colorado avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average2.40%▲ 0.60% above avgNationally 2.13%
Details

Dividend rate for $500 and up

Rate History
No change since Oct 15, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 15, 2026: 3.00% APYOct 15, 2026Oct 25, 2026
First Technology Federal Credit Union 2720 Council Tree Ave Ste 188, Fort Collins, CO 80525
Traditional Share Certificates - 3-Month
$500
3.00% ▲ 0.60% above Colorado avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average2.40%▲ 0.60% above avgNationally 2.13%
Details

Balance: $0.01 - $99,999.99

Rate History
No change since Oct 22, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 22, 2026: 3.00% APYOct 22, 2026Oct 25, 2026
First Technology Federal Credit Union 2720 Council Tree Ave Ste 188, Fort Collins, CO 80525
IRA Certificates - 3-Month
$500
3.00% ▲ 0.60% above Colorado avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average2.40%▲ 0.60% above avgNationally 2.13%
Details

Balance: 500.00 - 99,999.99

Rate History
No change since Oct 22, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 22, 2026: 3.00% APYOct 22, 2026Oct 25, 2026
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% ▲ 0.35% above Colorado avg
View
▼
Rate2.73%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average2.40%▲ 0.35% above avgNationally 2.13%
Details

$10,000 Minimum tier; Annual Percentage Yield calculation based on quarterly compounding

Rate History
No change since Oct 12, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 12, 2026: 2.75% APYOct 12, 2026Oct 25, 2026
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
13559 Huron St, Westminster, CO 80234 1161
3 Month Share Certificates
$500
2.75% ▲ 0.35% above Colorado avg
View
▼
Rate2.71%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.40%▲ 0.35% above avgNationally 2.13%
Details

Balance: $10,000 to $24,999.99

Rate History
No change since Oct 14, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 14, 2026: 2.75% APYOct 14, 2026Oct 25, 2026
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
13559 Huron St, Westminster, CO 80234 1161
Share Certificate 3 Month
$500
2.75% ▲ 0.35% above Colorado avg
View
▼
Rate2.71%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.40%▲ 0.35% above avgNationally 2.13%
Details

Balance: $25,000.00 - $49,999.99

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 8 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 25, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
3 Month Business CD
$0
2.75% ▲ 0.35% above Colorado avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.40%▲ 0.35% above avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 9 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 25, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
3 Month Traditional CD
$0
2.75% ▲ 0.35% above Colorado avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.40%▲ 0.35% above avgNationally 2.13%
Details

Balance: $500 minimum to earn APY

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 9 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 25, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
Traditional CD - 3 Months
$0
2.75% ▲ 0.35% above Colorado avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.40%▲ 0.35% above avgNationally 2.13%
Details

Rate History
No change since Oct 14, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 14, 2026: 2.75% APYOct 14, 2026Oct 25, 2026
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
2960 Diagonal Highway, Boulder, CO 80301 1412
3 Month Certificate
$0
2.75% ▲ 0.35% above Colorado avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.40%▲ 0.35% above avgNationally 2.13%
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 6 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 25, 2026
Integrity Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
1275 Village Ridge Pt, Monument, CO 80132
Certificate of Deposit - 3 Month
$500
2.52% ▲ 0.12% above Colorado avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average2.40%▲ 0.12% above avgNationally 2.13%
Details

Minimum deposit $500; APY calculation based on quarterly compounding; penalty may be imposed for early withdrawal

Rate History
No change since Sep 14, 2026 · 2.52% APY · checked 8 times
2.02%2.52%3.02%Sep 14, 2026: 2.52% APYSep 14, 2026Oct 25, 2026
First FarmBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
2939 65th Ave, Greeley, CO 80634
3 Month CD
$0
2.50% ▲ 0.10% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average2.40%▲ 0.10% above avgNationally 2.13%
Details

Featured rate; rates as of August 1, 2026

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 25, 2026
First FarmBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
2939 65th Ave, Greeley, CO 80634
Certificate of Deposit - 3 Month
$1,000
2.50% ▲ 0.10% above Colorado avg
View
▼
Rate2.48%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average2.40%▲ 0.10% above avgNationally 2.13%
Details

APY accurate as of 08/01/2026; early withdrawal penalty may apply

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 8 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 25, 2026
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
2960 Diagonal Highway, Boulder, CO 80301 1412
3 Month Certificate
$500
2.50% ▲ 0.10% above Colorado avg
View
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.40%▲ 0.10% above avgNationally 2.13%
Details

Standard Certificates of Deposit (CD)

Rate History
No change since Sep 22, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 22, 2026: 2.50% APYSep 22, 2026Oct 25, 2026
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
2960 Diagonal Highway, Boulder, CO 80301 1412
Certificates (IRA, HSA) - 3 Month Certificate
$0
2.50% ▲ 0.10% above Colorado avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.40%▲ 0.10% above avgNationally 2.13%
Details

Standard (Min Balance: $100)

Rate History
No change since Oct 14, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 14, 2026: 2.50% APYOct 14, 2026Oct 25, 2026
San Luis Valley Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
401 Edison Ave, Alamosa, CO 81101
3 Month Certificates of Deposit
$1,000
2.29% ▼ 0.11% below Colorado avg
View
▼
Rate2.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average2.40%▼ 0.11% below avgNationally 2.13%
Details

Balance: $100,000.00+; Compounded quarterly; A penalty will be imposed for early withdrawal; Available for IRAs

Rate History
No change since Oct 21, 2026 · 2.29% APY
1.79%2.29%2.79%Oct 21, 2026: 2.29% APYOct 21, 2026Oct 25, 2026
San Luis Valley Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
401 Edison Ave, Alamosa, CO 81101
3 Months CD
$1,000
2.29% ▼ 0.11% below Colorado avg
View
▼
Rate2.27%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average2.40%▼ 0.11% below avgNationally 2.13%
Details

Balance: $100,000.00+; Compounded quarterly; early withdrawal penalty applies

Rate History
No change since Oct 21, 2026 · 2.29% APY
1.79%2.29%2.79%Oct 21, 2026: 2.29% APYOct 21, 2026Oct 25, 2026
Foothills Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.96%
7990 W Alameda Ave, Lakewood, CO 80226
Certificate of Deposit - 3 Month
$0
2.25% ▼ 0.15% below Colorado avg
View
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.40%▼ 0.15% below avgNationally 2.13%
Details

Rate History
No change since Oct 13, 2026 · 2.25% APY · checked 3 times
1.75%2.25%2.75%Oct 13, 2026: 2.25% APYOct 13, 2026Oct 25, 2026
Delta County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
100 Circle Dr, Delta, CO 81416
3 Month Share Certificate
$250
2.02% ▼ 0.38% below Colorado avg
View
▼
Rate2.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average2.40%▼ 0.38% below avgNationally 2.13%
Details

Share Certificates/CD's; youth members only

Rate History
No change since Sep 21, 2026 · 2.02% APY · checked 3 times
1.52%2.02%2.52%Sep 21, 2026: 2.02% APYSep 21, 2026Oct 25, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
1275 Tremont Pl, Denver, CO 80204 2118
90 Day Traditional Certificate of Deposit (CD)
$0
2.00% ▼ 0.40% below Colorado avg
View
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.40%▼ 0.40% below avgNationally 2.13%
Details

Deposits over $25,000; Account Balance $100,000

Rate History
No change since Oct 13, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 13, 2026: 2.00% APYOct 13, 2026Oct 25, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
1275 Tremont Pl, Denver, CO 80204 2118
90 Day Traditional Certificate of Deposit (CD)
$0
1.90% ▼ 0.50% below Colorado avg
View
▼
Rate1.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.40%▼ 0.50% below avgNationally 2.13%
Details

Deposits over $25,000; Account Balance $25,000

Rate History
No change since Oct 13, 2026 · 1.90% APY · checked 2 times
1.40%1.90%2.40%Oct 13, 2026: 1.90% APYOct 13, 2026Oct 25, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
3700 E Alameda Ave, Denver, CO 80209
Business Certificates of Deposit (CDs) - 3 Month
$0
1.85% ▼ 0.55% below Colorado avg
View
▼
Rate1.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.40%▼ 0.55% below avgNationally 2.13%
Details

Dividend rate and APY subject to change without notice; APY based on minimum account balance of $500

Rate History
No change since Sep 18, 2026 · 1.85% APY · checked 5 times
1.35%1.85%2.35%Sep 18, 2026: 1.85% APYSep 18, 2026Oct 25, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
3700 E Alameda Ave, Denver, CO 80209
Certificates of Deposit (CDs) - 3 Month
$0
1.85% ▼ 0.55% below Colorado avg
View
▼
Rate1.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.40%▼ 0.55% below avgNationally 2.13%
Details

Balance: $500 minimum; APY based on minimum account balance of $500

Rate History
No change since Sep 14, 2026 · 1.85% APY · checked 7 times
1.35%1.85%2.35%Sep 14, 2026: 1.85% APYSep 14, 2026Oct 25, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
3700 E Alameda Ave, Denver, CO 80209
Individual Retirement Account (IRA) CDs - 3 Month
$0
1.85% ▼ 0.55% below Colorado avg
View
▼
Rate1.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.40%▼ 0.55% below avgNationally 2.13%
Details

IRA CD

Rate History
No change since Sep 22, 2026 · 1.85% APY · checked 4 times
1.35%1.85%2.35%Sep 22, 2026: 1.85% APYSep 22, 2026Oct 25, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
1275 Tremont Pl, Denver, CO 80204 2118
Traditional Certificate of Deposit (CD) - 90 Day
$0
1.80% ▼ 0.60% below Colorado avg
View
▼
Rate1.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.40%▼ 0.60% below avgNationally 2.13%
Details

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

Rate History
No change since Sep 14, 2026 · 1.80% APY · checked 6 times
1.30%1.80%2.30%Sep 14, 2026: 1.80% APYSep 14, 2026Oct 25, 2026

Colorado 6 Month CD Rates

MonitorBankRates Colorado Average · 6 Month CD3.21% APY▼ 0.03% from last weekNational 2.78%
View 6-month CD rate trend

The average 6-month CD rate in Colorado is 3.21% APY, compared with 2.78% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1099 18th St, Denver, CO 80202
Fixed-rate Certificate of Deposit - 6 months
$50,000
4.35% ▲ 1.14% above Colorado avg
View
▼
Rate4.35%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average3.21%▲ 1.14% above avgNationally 2.78%
Details

Interest paid quarterly via ACH; withdrawal before maturity not permitted; Rates current as of October 1, 2026

Rate History
No change since Oct 20, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 20, 2026: 4.35% APYOct 20, 2026Oct 25, 2026
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
685 Citadel Dr E Ste 290 9, Colorado Springs, CO 80909
6 Month Certificate of Deposit
$0
4.30% ▲ 1.09% above Colorado avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average3.21%▲ 1.09% above avgNationally 2.78%
Details

Balance: Up to $99,999.99; Minimum $1,000 required for all CDs; early withdrawal penalty applies if not held to maturity; Assumes no compounding, interest paid annually or at maturity

Rate History
1 change since Sep 27, 2026 · 4.04% → 4.30% ▲ 0.26 pts · high 4.30% / low 4.04%
3.54%4.17%4.80%Sep 27, 2026: 4.04% APYOct 3, 2026: 4.30% APYSep 27, 2026Oct 25, 2026
  • Oct 3, 20264.30%▲ from 4.04%
  • Sep 27, 20264.04%first recorded
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.91%
116 Inverness Dr E, Englewood, CO 80112
6 Month IRA Certificate of Deposit
$0
4.18% ▲ 0.97% above Colorado avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.21%▲ 0.97% above avgNationally 2.78%
Details

Balance: $25,000 - $99,999

Rate History
No change since Oct 9, 2026 · 4.18% APY · checked 4 times
3.68%4.18%4.68%Oct 9, 2026: 4.18% APYOct 9, 2026Oct 25, 2026
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
8400 E Prentice Ave, Greenwood Village, CO 80111
6 Month CD
$0
4.15% ▲ 0.94% above Colorado avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.21%▲ 0.94% above avgNationally 2.78%
Details

Early Withdrawal Penalty: 3 Months of Interest

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 9 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 25, 2026
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
2480 W Alameda Ave, Denver, CO 80223
6-Month CD
$1,000
4.15% ▲ 0.94% above Colorado avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.21%▲ 0.94% above avgNationally 2.78%
Details

Rate History
2 changes since Sep 16, 2026 · 4.35% → 4.15% ▼ 0.20 pts · high 4.40% / low 4.15%
3.65%4.28%4.90%Sep 16, 2026: 4.35% APYOct 12, 2026: 4.40% APYOct 22, 2026: 4.15% APYSep 16, 2026Oct 25, 2026
  • Oct 22, 20264.15%▼ from 4.40%
  • Oct 12, 20264.40%▲ from 4.35%
  • Sep 16, 20264.35%first recorded
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
120 S Wilcox St, Castle Rock, CO 80104
6 Month CD
$0
4.14% ▲ 0.93% above Colorado avg
View
▼
Rate4.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.21%▲ 0.93% above avgNationally 2.78%
Details

APY current as of September 21, 2026; early withdrawal penalty may apply; auto-renews to fixed rate CD of equivalent term

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.14% ▲ 0.24 pts · high 4.14% / low 3.90%
3.40%4.02%4.64%Sep 14, 2026: 3.90% APYSep 24, 2026: 4.14% APYSep 14, 2026Oct 25, 2026
  • 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%
101 S 6th St, Dolores, CO 81323
Jumbo Certificates of Deposit & Greater - 6 Month
$0
4.06% ▲ 0.85% above Colorado avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average3.21%▲ 0.85% above avgNationally 2.78%
Details

$100,000; 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 20, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Oct 20, 2026: 4.06% APYOct 20, 2026Oct 25, 2026
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
123 N College Ave, Fort Collins, CO 80524
6 Month Certificate of Deposit
$1,000
4.05% ▲ 0.84% above Colorado avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.21%▲ 0.84% above avgNationally 2.78%
Details

Open Online

Rate History
2 changes since Sep 18, 2026 · 3.80% → 4.05% ▲ 0.25 pts · high 4.05% / low 3.80%
3.30%3.93%4.55%Sep 18, 2026: 3.80% APYSep 24, 2026: 4.00% APYOct 14, 2026: 4.05% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20264.05%▲ from 4.00%
  • Sep 24, 20264.00%▲ from 3.80%
  • Sep 18, 20263.80%first recorded
Adams Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
1310 Garden Of The Gods Rd, Colorado Springs, CO 80907
6-Month CD
$500
4.00% ▲ 0.79% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.21%▲ 0.79% above avgNationally 2.78%
Details

Balance: $10,000.00 and up

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYOct 20, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 20, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
22 Town Plz, Durango, CO 81301 5104
6 Month Business Term Certificate Promo
$0
4.00% ▲ 0.79% above Colorado avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.21%▲ 0.79% above avgNationally 2.78%
Details

Balance: $500 minimum; Dividend rate 3.93%, APY 4.00%; Business promo term certificate

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2380 E Bridge St, Brighton, CO 80601
6 Month CD
$0
4.00% ▲ 0.79% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.21%▲ 0.79% above avgNationally 2.78%
Details

Balance: $100,000 +

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYOct 19, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
5080 W 60th Ave, Arvada, CO 80003 6919
Share & IRA Certificates - 6 Month Term
$0
3.98% ▲ 0.77% above Colorado avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.21%▲ 0.77% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.77% → 3.98% ▲ 0.21 pts · high 3.98% / low 3.77%
3.27%3.88%4.48%Sep 14, 2026: 3.77% APYOct 12, 2026: 3.98% APYSep 14, 2026Oct 25, 2026
  • Oct 12, 20263.98%▲ from 3.77%
  • Sep 14, 20263.77%first recorded
North Valley Bank Thornton, CO
Institution Rating:
A5.0 ★Texas Ratio: 13.05%
9001 Washington St, Thornton, CO 80229
6 Month CD
$1,000
3.94% ▲ 0.73% above Colorado avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average3.21%▲ 0.73% above avgNationally 2.78%
Details

Certificates of Deposit

Rate History
1 change since Sep 15, 2026 · 3.78% → 3.94% ▲ 0.16 pts · high 3.94% / low 3.78%
3.28%3.86%4.44%Sep 15, 2026: 3.78% APYOct 21, 2026: 3.94% APYSep 15, 2026Oct 25, 2026
  • Oct 21, 20263.94%▲ from 3.78%
  • Sep 15, 20263.78%first recorded
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
22 Town Plz, Durango, CO 81301 5104
6 Month Term Certificate
$500
3.90% ▲ 0.69% above Colorado avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.21%▲ 0.69% above avgNationally 2.78%
Details

Standard Term Certificate; available to personal and business members

Rate History
1 change since Oct 8, 2026 · 3.65% → 3.90% ▲ 0.25 pts · high 3.90% / low 3.65%
3.15%3.78%4.40%Oct 8, 2026: 3.65% APYOct 23, 2026: 3.90% APYOct 8, 2026Oct 25, 2026
  • Oct 23, 20263.90%▲ from 3.65%
  • Oct 8, 20263.65%first recorded
Sooper Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.13%
1497 S Wadsworth Blvd, Lakewood, CO 80232
6 Month Jumbo CDs
$0
3.90% ▲ 0.69% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.21%▲ 0.69% above avgNationally 2.78%
Details

Includes Traditional and Roth IRA Jumbo CDs

Rate History
No change since Oct 22, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 22, 2026: 3.90% APYOct 22, 2026Oct 25, 2026
Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
1615 E Evans Ave, Pueblo, CO 81004 3418
Share Certificates - 6 Month
$500
3.90% ▲ 0.69% above Colorado avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.21%▲ 0.69% above avgNationally 2.78%
Details

Balance: $50,000+; Dividend Rate 3.85%; APY 3.90%

Rate History
No change since Oct 13, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 13, 2026: 3.90% APYOct 13, 2026Oct 25, 2026
Canvas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
1113 S Abilene Ct, Aurora, CO 80012
6-Month CD
$1,000
3.90% ▲ 0.69% above Colorado avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.21%▲ 0.69% above avgNationally 2.78%
Details

Rate History
No change since Oct 22, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 22, 2026: 3.90% APYOct 22, 2026Oct 25, 2026
Canvas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
1113 S Abilene Ct, Aurora, CO 80012
6-Month Family HSA CD
$1,000
3.90% ▲ 0.69% above Colorado avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.21%▲ 0.69% above avgNationally 2.78%
Details

Health Savings Account CD - family

Rate History
No change since Oct 22, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 22, 2026: 3.90% APYOct 22, 2026Oct 25, 2026
Canvas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
1113 S Abilene Ct, Aurora, CO 80012
6-Month Single HSA CD
$1,000
3.90% ▲ 0.69% above Colorado avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.21%▲ 0.69% above avgNationally 2.78%
Details

Health Savings Account CD - single

Rate History
No change since Oct 22, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 22, 2026: 3.90% APYOct 22, 2026Oct 25, 2026
Canvas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
1113 S Abilene Ct, Aurora, CO 80012
6-Month Youth CD
$50
3.90% ▲ 0.69% above Colorado avg
View
▼
RateN/A
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.21%▲ 0.69% above avgNationally 2.78%
Details

Youth product for members under 18; disclosures state $50.00 minimum to open and $50 minimum balance

Rate History
No change since Oct 22, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 22, 2026: 3.90% APYOct 22, 2026Oct 25, 2026
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2380 E Bridge St, Brighton, CO 80601
6 Month CD
$0
3.90% ▲ 0.69% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.21%▲ 0.69% above avgNationally 2.78%
Details

Balance: $500-$99,999.99

Rate History
1 change since Sep 14, 2026 · 3.70% → 3.90% ▲ 0.20 pts · high 3.90% / low 3.70%
3.20%3.80%4.40%Sep 14, 2026: 3.70% APYOct 19, 2026: 3.90% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20263.90%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
600 S Lincoln Ave, Steamboat Springs, CO 80487
Time Certificates - 6 months
$1,000
3.85% ▲ 0.64% above Colorado avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average3.21%▲ 0.64% above avgNationally 2.78%
Details

Minimum of $1,000 to open

Rate History
No change since Oct 21, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 21, 2026: 3.85% APYOct 21, 2026Oct 25, 2026
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
9053 Harlan St Ste 10, Westminster, CO 80031 2908
Share Certificates - 6-Month
$500
3.85% ▲ 0.64% above Colorado avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.21%▲ 0.64% above avgNationally 2.78%
Details

Rate History
No change since Oct 15, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 15, 2026: 3.85% APYOct 15, 2026Oct 25, 2026
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
6221 Sheridan Blvd, Arvada, CO 80003
Jumbo Certificates and IRAs - 6 Months (REG only)
$100,000
3.85% ▲ 0.64% above Colorado avg
View
▼
Rate3.78%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.21%▲ 0.64% above avgNationally 2.78%
Details

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

Rate History
No change since Oct 9, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Oct 9, 2026: 3.85% APYOct 9, 2026Oct 25, 2026
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
816 Washington Ave, Golden, CO 80401
6 Month Certificate
$0
3.85% ▲ 0.64% above Colorado avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.21%▲ 0.64% above avgNationally 2.78%
Details

Rate History
3 changes since Sep 14, 2026 · 3.60% → 3.85% ▲ 0.25 pts · high 3.85% / low 3.60%
3.10%3.72%4.35%Sep 14, 2026: 3.60% APYSep 22, 2026: 3.70% APYOct 9, 2026: 3.75% APYOct 19, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20263.85%▲ from 3.75%
  • Oct 9, 20263.75%▲ from 3.70%
  • Sep 22, 20263.70%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
816 Washington Ave, Golden, CO 80401
Business Jumbo Certificates - 6 Month CD
$0
3.85% ▲ 0.64% above Colorado avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.21%▲ 0.64% above avgNationally 2.78%
Details

Rate History
No change since Oct 13, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 13, 2026: 3.85% APYOct 13, 2026Oct 25, 2026
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
816 Washington Ave, Golden, CO 80401
JUMBO Certificate - 6 Months
$100,000
3.85% ▲ 0.64% above Colorado avg
View
▼
Rate3.78%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.21%▲ 0.64% above avgNationally 2.78%
Details

Effective: October 1, 2026

Rate History
1 change since Sep 14, 2026 · 3.70% → 3.85% ▲ 0.15 pts · high 3.85% / low 3.70%
3.20%3.78%4.35%Sep 14, 2026: 3.70% APYOct 9, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.85%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
6 Month Business CD
$0
3.85% ▲ 0.64% above Colorado avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.21%▲ 0.64% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 9 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
6 Month IRA Jumbo CD
$0
3.85% ▲ 0.64% above Colorado avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.21%▲ 0.64% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 8 times
3.35%3.85%4.35%Sep 18, 2026: 3.85% APYSep 18, 2026Oct 25, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
6 Month Jumbo CD
$0
3.85% ▲ 0.64% above Colorado avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.21%▲ 0.64% above avgNationally 2.78%
Details

Minimum Balance to Earn APY; APY marked with asterisk (*)

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 9 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
6 Month Traditional CD
$0
3.85% ▲ 0.64% above Colorado avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.21%▲ 0.64% above avgNationally 2.78%
Details

Balance: $500 minimum to earn APY

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 9 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
Jumbo CD 6 Months
$0
3.85% ▲ 0.64% above Colorado avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.21%▲ 0.64% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 9 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
Traditional CD - 6 Months
$0
3.85% ▲ 0.64% above Colorado avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.21%▲ 0.64% above avgNationally 2.78%
Details

Rate History
No change since Oct 14, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 14, 2026: 3.85% APYOct 14, 2026Oct 25, 2026
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
101 Cook St, Denver, CO 80206
Certificate of Deposit - 6 Month
$0
3.85% ▲ 0.64% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.21%▲ 0.64% above avgNationally 2.78%
Details

Rate History
No change since Oct 19, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 19, 2026: 3.85% APYOct 19, 2026Oct 25, 2026
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1075 Acoma St, Denver, CO 80204 4326
6 Month Certificates of Deposit (CD)
$0
3.81% ▲ 0.60% above Colorado avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.21%▲ 0.60% above avgNationally 2.78%
Details

Balance: $100.00 and over; Compounded/Credited: Monthly

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.81% ▲ 0.21 pts · high 3.81% / low 3.60%
3.10%3.71%4.31%Sep 14, 2026: 3.60% APYOct 10, 2026: 3.81% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20263.81%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1075 Acoma St, Denver, CO 80204 4326
Certificate of Deposit - 6 Months
$0
3.81% ▲ 0.60% above Colorado avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.21%▲ 0.60% above avgNationally 2.78%
Details

Balance: $100.00 and over; Compounded/Credited: Monthly

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.81% ▲ 0.21 pts · high 3.81% / low 3.60%
3.10%3.71%4.31%Sep 14, 2026: 3.60% APYOct 10, 2026: 3.81% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20263.81%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
101 S 6th St, Dolores, CO 81323
Certificates of Deposit - 6 Month
$1,000
3.80% ▲ 0.59% above Colorado avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average3.21%▲ 0.59% above avgNationally 2.78%
Details

Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 14, 2026: 3.80% APYOct 14, 2026Oct 25, 2026
Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
12 Lakeside Ln, Denver, CO 80212 7413
6 Month Share Certificate
$500
3.80% ▲ 0.59% above Colorado avg
View
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.21%▲ 0.59% above avgNationally 2.78%
Details

Effective as of 10/05/2026; $500 minimum balance requirement; subject to early withdrawal penalty

Rate History
No change since Oct 23, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 23, 2026: 3.80% APYOct 23, 2026Oct 25, 2026
Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
12 Lakeside Ln, Denver, CO 80212 7413
Share/IRA/HSA Certificates - 6 months
$500
3.80% ▲ 0.59% above Colorado avg
View
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.21%▲ 0.59% above avgNationally 2.78%
Details

Effective as of: 10/05/2026; Minimum $500 Minimum; subject to early withdrawal penalty

Rate History
No change since Oct 8, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 8, 2026: 3.80% APYOct 8, 2026Oct 25, 2026
NuVista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2711 Commercial Way, Montrose, CO 81401
High Balance Share Certificate - 6 Month Certificate
$50,000
3.80% ▲ 0.59% above Colorado avg
View
▼
Rate3.74%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.21%▲ 0.59% above avgNationally 2.78%
Details

Rates effective 6/15/2026

Rate History
No change since Oct 15, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 15, 2026: 3.80% APYOct 15, 2026Oct 25, 2026
Sooper Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.13%
1497 S Wadsworth Blvd, Lakewood, CO 80232
6 Month CDs (including Traditional and Roth IRA CD)
$0
3.80% ▲ 0.59% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.21%▲ 0.59% above avgNationally 2.78%
Details

Rate History
No change since Oct 22, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 22, 2026: 3.80% APYOct 22, 2026Oct 25, 2026
Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
1615 E Evans Ave, Pueblo, CO 81004 3418
Share Certificates - 6 Month
$500
3.80% ▲ 0.59% above Colorado avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.21%▲ 0.59% above avgNationally 2.78%
Details

Balance: $500 - $49,999.99; Dividend Rate 3.75%; APY 3.80%

Rate History
No change since Oct 13, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 13, 2026: 3.80% APYOct 13, 2026Oct 25, 2026
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
9305 W ALAMEDA AVE, LAKEWOOD, CO 80226
Certificates - Traditional - 6 Month
$0
3.80% ▲ 0.59% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.21%▲ 0.59% above avgNationally 2.78%
Details

Rate History
No change since Oct 19, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 19, 2026: 3.80% APYOct 19, 2026Oct 25, 2026
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
9305 W ALAMEDA AVE, LAKEWOOD, CO 80226
Traditional IRA 6 Month Certificate
$0
3.80% ▲ 0.59% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.21%▲ 0.59% above avgNationally 2.78%
Details

Balance: $1,000 and over; Tiers & Certificates compound monthly; Individual Retirement Account Traditional-Roth-Coverdell ESA Rates

Rate History
No change since Oct 13, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 13, 2026: 3.80% APYOct 13, 2026Oct 25, 2026
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
6221 Sheridan Blvd, Arvada, CO 80003
Consumer and Business Regular and IRA Certificates of Deposit (CDs) - 6 Months
$500
3.75% ▲ 0.54% above Colorado avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.21%▲ 0.54% above avgNationally 2.78%
Details

Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 25, 2026
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
816 Washington Ave, Golden, CO 80401
6 Month Term Certificates
$500
3.75% ▲ 0.54% above Colorado avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.21%▲ 0.54% above avgNationally 2.78%
Details

Effective: October 1, 2026; Minimum balance required to earn stated rate - $500.00; Early withdrawal penalties apply; Dividend withdrawal allowed; Additional deposits not permitted

Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 25, 2026
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
816 Washington Ave, Golden, CO 80401
Business Term Certificates - 6 Month CD
$0
3.75% ▲ 0.54% above Colorado avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.21%▲ 0.54% above avgNationally 2.78%
Details

Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 25, 2026
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
816 Washington Ave, Golden, CO 80401
Traditional IRA, Roth IRA and SEP IRA - 6 Months
$500
3.75% ▲ 0.54% above Colorado avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.21%▲ 0.54% above avgNationally 2.78%
Details

Dividends compounded monthly, credited monthly; Early withdrawal penalties apply; IRA restrictions apply

Rate History
No change since Oct 19, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 25, 2026
Sunwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
4141 Sovereign Cir, Pueblo, CO 81005
6 Month Certificates/IRA
$0
3.75% ▲ 0.54% above Colorado avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.21%▲ 0.54% above avgNationally 2.78%
Details

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

Rate History
No change since Oct 19, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 25, 2026
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
720 W Midland Ave, Woodland Park, CO 80863 3025
6-Month Certificate
$500
3.75% ▲ 0.54% above Colorado avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.21%▲ 0.54% above avgNationally 2.78%
Details

Regular Share Certificate

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 25, 2026

Colorado 12 Month CD Rates

MonitorBankRates Colorado Average · 12 Month CD3.29% APY▼ 0.03% from last weekNational 2.99%
View 12-month CD rate trend

The average 12-month CD rate in Colorado is 3.29% APY, compared with 2.99% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
NuVista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2711 Commercial Way, Montrose, CO 81401
12 Month DREAM Certificate
$100
5.12% ▲ 1.83% above Colorado avg
View
▼
Rate5.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.29%▲ 1.83% above avgNationally 2.99%
Details

Balance: Up to $1,000.00 earns the DREAM Certificate rate; $1,000.01 and over earns the current 12 Month Certificate rate; Youth Share Certificate add-on account

Rate History
No change since Sep 14, 2026 · 5.12% APY · checked 9 times
4.62%5.12%5.62%Sep 14, 2026: 5.12% APYSep 14, 2026Oct 25, 2026
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1099 18th St, Denver, CO 80202
Fixed-rate Certificate of Deposit - 12 months
$50,000
4.51% ▲ 1.22% above Colorado avg
View
▼
Rate4.51%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average3.29%▲ 1.22% above avgNationally 2.99%
Details

Interest paid quarterly via ACH; withdrawal before maturity not permitted; Rates current as of October 1, 2026

Rate History
No change since Oct 20, 2026 · 4.51% APY · checked 2 times
4.01%4.51%5.01%Oct 20, 2026: 4.51% APYOct 20, 2026Oct 25, 2026
Fellowship Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
803 E Olive St, Lamar, CO 81052
12 Month Certificate of Deposit
$500
4.41% ▲ 1.12% above Colorado avg
View
▼
Rate4.32%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 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 6 times
3.91%4.41%4.91%Sep 14, 2026: 4.41% APYSep 14, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO 80017
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.06% above Colorado avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.29%▲ 1.06% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 6 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 25, 2026
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
8400 E Prentice Ave, Greenwood Village, CO 80111
12 Month CD
$0
4.35% ▲ 1.06% above Colorado avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.29%▲ 1.06% above avgNationally 2.99%
Details

Early Withdrawal Penalty: 3 Months of Interest

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.35% ▲ 0.10 pts · high 4.35% / low 4.25%
3.75%4.30%4.85%Sep 14, 2026: 4.25% APYOct 20, 2026: 4.35% APYSep 14, 2026Oct 25, 2026
  • Oct 20, 20264.35%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
101 Cook St, Denver, CO 80206
Certificate of Deposit - 12 Month
$0
4.30% ▲ 1.01% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.29%▲ 1.01% above avgNationally 2.99%
Details

Rate History
No change since Oct 19, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 19, 2026: 4.30% APYOct 19, 2026Oct 25, 2026
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
123 N College Ave, Fort Collins, CO 80524
12 Month Certificate of Deposit
$1,000
4.25% ▲ 0.96% above Colorado avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 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%
3.35%4.05%4.75%Sep 18, 2026: 3.85% APYSep 24, 2026: 4.05% APYOct 14, 2026: 4.25% APYSep 18, 2026Oct 25, 2026
  • 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%
8250 Razorback Rd, Colorado Springs, CO 80920
12 Month Certificate of Deposit
$500
4.20% ▲ 0.91% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.29%▲ 0.91% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
3.25%3.98%4.70%Sep 18, 2026: 3.75% APYOct 2, 2026: 4.20% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20264.20%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Northern Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
2901 S 27TH AVE, GREELEY, CO 80631
Summit 12 Month CD
$25,000
4.20% ▲ 0.91% above Colorado avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.29%▲ 0.91% above avgNationally 2.99%
Details

Summit CD Rates - Effective Sunday, October 18, 2026

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 7 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 25, 2026
North Valley Bank Thornton, CO
Institution Rating:
A5.0 ★Texas Ratio: 13.05%
9001 Washington St, Thornton, CO 80229
1 Year CD
$1,000
4.15% ▲ 0.86% above Colorado avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average3.29%▲ 0.86% above avgNationally 2.99%
Details

Certificates of Deposit

Rate History
1 change since Sep 15, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 15, 2026: 3.75% APYOct 21, 2026: 4.15% APYSep 15, 2026Oct 25, 2026
  • Oct 21, 20264.15%▲ from 3.75%
  • Sep 15, 20263.75%first recorded
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
22 Town Plz, Durango, CO 81301 5104
12 Month Term Certificate
$500
4.15% ▲ 0.86% above Colorado avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.29%▲ 0.86% above avgNationally 2.99%
Details

Standard Term Certificate; available to personal and business members

Rate History
1 change since Oct 8, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Oct 8, 2026: 4.00% APYOct 23, 2026: 4.15% APYOct 8, 2026Oct 25, 2026
  • Oct 23, 20264.15%▲ from 4.00%
  • Oct 8, 20264.00%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO 80017
12 Month Short-Term Certificate
$0
4.10% ▲ 0.81% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.29%▲ 0.81% above avgNationally 2.99%
Details

Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 25, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO 80017
Bonus Certificate - 12 Month
$0
4.07% ▲ 0.78% above Colorado avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.29%▲ 0.78% above avgNationally 2.99%
Details

Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 4.07% APY
3.57%4.07%4.57%Oct 23, 2026: 4.07% APYOct 23, 2026Oct 25, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO 80017
Bonus IRA Certificates - 12 Month
$0
4.07% ▲ 0.78% above Colorado avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.29%▲ 0.78% above avgNationally 2.99%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed

Rate History
3 changes since Sep 14, 2026 · 3.95% → 4.07% ▲ 0.12 pts · high 4.07% / low 3.95%
3.45%4.01%4.57%Sep 14, 2026: 3.95% APYSep 25, 2026: 3.97% APYOct 5, 2026: 4.02% APYOct 15, 2026: 4.07% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20264.07%▲ from 4.02%
  • 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%
1125 S Tower Rd, Aurora, CO 80017
12 Month Short-Term Certificate
$0
4.05% ▲ 0.76% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.29%▲ 0.76% above avgNationally 2.99%
Details

Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 20, 2026: 4.05% APYOct 20, 2026Oct 25, 2026
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
600 S Lincoln Ave, Steamboat Springs, CO 80487
IRAs (Roth & Traditional) - Fixed Rate 12 Month
$100
4.05% ▲ 0.76% above Colorado avg
View
▼
Rate3.97%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average3.29%▲ 0.76% above avgNationally 2.99%
Details

Minimum of $100 to open

Rate History
1 change since Sep 14, 2026 · 3.35% → 4.05% ▲ 0.70 pts · high 4.05% / low 3.35%
2.65%3.70%4.75%Sep 14, 2026: 3.35% APYOct 21, 2026: 4.05% APYSep 14, 2026Oct 25, 2026
  • Oct 21, 20264.05%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
600 S Lincoln Ave, Steamboat Springs, CO 80487
Time Certificates - 12 months
$1,000
4.05% ▲ 0.76% above Colorado avg
View
▼
Rate3.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average3.29%▲ 0.76% above avgNationally 2.99%
Details

Minimum of $1,000 to open

Rate History
No change since Oct 21, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 21, 2026: 4.05% APYOct 21, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO 80017
12 Month EasyStart Certificate
$50
4.00% ▲ 0.71% above Colorado avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.29%▲ 0.71% above avgNationally 2.99%
Details

Share, IRA, ESA; Rates as of Oct 19, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 25, 2026
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
685 Citadel Dr E Ste 290 9, Colorado Springs, CO 80909
12 Month Certificate of Deposit
$0
4.00% ▲ 0.71% above Colorado avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average3.29%▲ 0.71% above avgNationally 2.99%
Details

Balance: Up to $99,999.99; Minimum $1,000 required for all CDs; early withdrawal penalty applies if not held to maturity; Assumes no compounding, interest paid annually or at maturity

Rate History
1 change since Sep 27, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
2.00%3.50%5.00%Sep 27, 2026: 3.00% APYOct 3, 2026: 4.00% APYSep 27, 2026Oct 25, 2026
  • Oct 3, 20264.00%▲ from 3.00%
  • Sep 27, 20263.00%first recorded
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
9305 W ALAMEDA AVE, LAKEWOOD, CO 80226
Certificates - Traditional - 12 Month
$0
4.00% ▲ 0.71% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.29%▲ 0.71% above avgNationally 2.99%
Details

Rate History
No change since Oct 19, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 25, 2026
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
9305 W ALAMEDA AVE, LAKEWOOD, CO 80226
Traditional IRA 12 Month Certificate
$0
4.00% ▲ 0.71% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.29%▲ 0.71% above avgNationally 2.99%
Details

Balance: $1,000 and over; Tiers & Certificates compound monthly; Individual Retirement Account Traditional-Roth-Coverdell ESA Rates

Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 25, 2026
Options Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.43%
5935 S Zang St, Littleton, CO 80127
12-Month CD
$10,000
4.00% ▲ 0.71% above Colorado avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.29%▲ 0.71% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
Options Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.43%
5935 S Zang St, Littleton, CO 80127
12-Month Certificate Special
$10,000
4.00% ▲ 0.71% above Colorado avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.29%▲ 0.71% above avgNationally 2.99%
Details

New money only (funds must come from a non-Options account); Limited availability; Special rate cannot be combined with Loyalty Rewards; 90 day penalty for early withdrawal; At maturity the balance automatically renews into a standard 6 month term; APY accurate as of 7/20/26 and subject to change

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2380 E Bridge St, Brighton, CO 80601
12 Month CD
$0
4.00% ▲ 0.71% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.29%▲ 0.71% above avgNationally 2.99%
Details

Balance: $100,000 +

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 19, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1601 28th St, Boulder, CO 80301
1-Year Term CD
$1,000
4.00% ▲ 0.71% above Colorado avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.29%▲ 0.71% above avgNationally 2.99%
Details

Rate History
No change since Oct 19, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1601 28th St, Boulder, CO 80301
Term CD - 1-Year
$1,000
4.00% ▲ 0.71% above Colorado avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.29%▲ 0.71% above avgNationally 2.99%
Details

Minimum of $1,000 to open your account; 1-Year Term CD renews automatically for the same term

Rate History
No change since Oct 19, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 25, 2026
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.91%
116 Inverness Dr E, Englewood, CO 80112
1 Year IRA Certificate of Deposit
$0
3.97% ▲ 0.68% above Colorado avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 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 4 times
3.47%3.97%4.47%Oct 9, 2026: 3.97% APYOct 9, 2026Oct 25, 2026
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
120 S Wilcox St, Castle Rock, CO 80104
12 Month CD
$0
3.95% ▲ 0.66% above Colorado avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.29%▲ 0.66% above avgNationally 2.99%
Details

APY current as of September 21, 2026; early withdrawal penalty may apply; auto-renews to fixed rate CD of equivalent term

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 11 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 25, 2026
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
816 Washington Ave, Golden, CO 80401
12 Month Certificate
$0
3.95% ▲ 0.66% above Colorado avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.29%▲ 0.66% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 14, 2026 · 3.75% → 3.95% ▲ 0.20 pts · high 3.95% / low 3.75%
3.25%3.85%4.45%Sep 14, 2026: 3.75% APYSep 22, 2026: 3.85% APYOct 19, 2026: 3.95% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20263.95%▲ from 3.85%
  • Sep 22, 20263.85%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
816 Washington Ave, Golden, CO 80401
Business Jumbo Certificates - 12 Month CD
$0
3.95% ▲ 0.66% above Colorado avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.29%▲ 0.66% above avgNationally 2.99%
Details

Rate History
No change since Oct 13, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 13, 2026: 3.95% APYOct 13, 2026Oct 25, 2026
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
816 Washington Ave, Golden, CO 80401
JUMBO Certificate - 12 Months
$100,000
3.95% ▲ 0.66% above Colorado avg
View
▼
Rate3.88%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.29%▲ 0.66% above avgNationally 2.99%
Details

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%
3.35%3.90%4.45%Sep 14, 2026: 3.85% APYOct 9, 2026: 3.95% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.95%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
101 S 6th St, Dolores, CO 81323
Jumbo Certificates of Deposit & Greater - 1 Year
$0
3.91% ▲ 0.62% above Colorado avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average3.29%▲ 0.62% above avgNationally 2.99%
Details

$100,000; 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 20, 2026 · 3.91% APY · checked 2 times
3.41%3.91%4.41%Oct 20, 2026: 3.91% APYOct 20, 2026Oct 25, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO 80017
12 Month Certificate
$0
3.91% ▲ 0.62% above Colorado avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.29%▲ 0.62% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 14, 2026 · 3.79% → 3.91% ▲ 0.12 pts · high 3.91% / low 3.79%
3.29%3.85%4.41%Sep 14, 2026: 3.79% APYOct 5, 2026: 3.86% APYOct 23, 2026: 3.91% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20263.91%▲ from 3.86%
  • Oct 5, 20263.86%▲ from 3.79%
  • Sep 14, 20263.79%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO 80017
IRA Certificate 12 Month
$0
3.91% ▲ 0.62% above Colorado avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.29%▲ 0.62% above avgNationally 2.99%
Details

Minimum daily balance to earn APY: $2,000; Effective as of Friday, October 23rd, 2026; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 3.91% APY
3.41%3.91%4.41%Oct 23, 2026: 3.91% APYOct 23, 2026Oct 25, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO 80017
YOUth Boost 12-Month Certificate
$0
3.91% ▲ 0.62% above Colorado avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.29%▲ 0.62% above avgNationally 2.99%
Details

Youth account

Rate History
1 change since Sep 14, 2026 · 3.79% → 3.91% ▲ 0.12 pts · high 3.91% / low 3.79%
3.29%3.85%4.41%Sep 14, 2026: 3.79% APYOct 23, 2026: 3.91% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20263.91%▲ from 3.79%
  • Sep 14, 20263.79%first recorded
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
12 Month Business CD
$0
3.90% ▲ 0.61% above Colorado avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.29%▲ 0.61% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 9 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 25, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
12 Month HSA CD
$0
3.90% ▲ 0.61% above Colorado avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.29%▲ 0.61% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 9 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 25, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
12 Month IRA Jumbo CD
$0
3.90% ▲ 0.61% above Colorado avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.29%▲ 0.61% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 8 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Oct 25, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
12 Month Jumbo CD
$0
3.90% ▲ 0.61% above Colorado avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.29%▲ 0.61% above avgNationally 2.99%
Details

Minimum Balance to Earn APY; APY marked with asterisk (*)

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 9 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 25, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
12 Month Traditional CD
$0
3.90% ▲ 0.61% above Colorado avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 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 9 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 25, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
12 Month Youth CD
$0
3.90% ▲ 0.61% above Colorado avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.29%▲ 0.61% above avgNationally 2.99%
Details

APY footnoted with * on page: interest rate and APY may change after account opening

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 9 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 25, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
Jumbo CD 12 Months
$0
3.90% ▲ 0.61% above Colorado avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.29%▲ 0.61% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 9 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 25, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
Traditional CD - 12 Months
$0
3.90% ▲ 0.61% above Colorado avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.29%▲ 0.61% above avgNationally 2.99%
Details

Rate History
No change since Oct 14, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 14, 2026: 3.90% APYOct 14, 2026Oct 25, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
Youth CD - 12 Months
$50
3.90% ▲ 0.61% above Colorado avg
View
▼
RateN/A
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.29%▲ 0.61% above avgNationally 2.99%
Details

Youth CD; available for members 24 years old and younger; persons under 18 require an adult owner on the account; additional deposits of $25 or more during the term

Rate History
No change since Oct 10, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 10, 2026: 3.90% APYOct 10, 2026Oct 25, 2026
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2380 E Bridge St, Brighton, CO 80601
12 Month CD
$0
3.90% ▲ 0.61% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.29%▲ 0.61% above avgNationally 2.99%
Details

Balance: $500-$99,999.99

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.90% ▲ 0.25 pts · high 3.90% / low 3.65%
3.15%3.78%4.40%Sep 14, 2026: 3.65% APYOct 19, 2026: 3.90% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20263.90%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1075 Acoma St, Denver, CO 80204 4326
12 Month Certificates of Deposit (CD)
$0
3.90% ▲ 0.61% above Colorado avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.29%▲ 0.61% above avgNationally 2.99%
Details

Balance: $100.00 and over; Compounded/Credited: Monthly

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.90% ▲ 0.15 pts · high 3.90% / low 3.75%
3.25%3.83%4.40%Sep 14, 2026: 3.75% APYOct 10, 2026: 3.90% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20263.90%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1075 Acoma St, Denver, CO 80204 4326
Certificate of Deposit - 12 Months
$0
3.90% ▲ 0.61% above Colorado avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.29%▲ 0.61% above avgNationally 2.99%
Details

Balance: $100.00 and over; Compounded/Credited: Monthly

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.90% ▲ 0.15 pts · high 3.90% / low 3.75%
3.25%3.83%4.40%Sep 14, 2026: 3.75% APYOct 10, 2026: 3.90% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20263.90%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
5080 W 60th Ave, Arvada, CO 80003 6919
Share & IRA Certificates - 12 Month Term- Jumbo
$0
3.87% ▲ 0.58% above Colorado avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.29%▲ 0.58% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.77% → 3.87% ▲ 0.10 pts · high 3.87% / low 3.77%
3.27%3.82%4.37%Sep 14, 2026: 3.77% APYOct 12, 2026: 3.87% APYSep 14, 2026Oct 25, 2026
  • Oct 12, 20263.87%▲ from 3.77%
  • Sep 14, 20263.77%first recorded
Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
1615 E Evans Ave, Pueblo, CO 81004 3418
Share Certificates - 1 Year
$500
3.86% ▲ 0.57% above Colorado avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.29%▲ 0.57% above avgNationally 2.99%
Details

Balance: $50,000+; Dividend Rate 3.80%; APY 3.86%

Rate History
No change since Oct 13, 2026 · 3.86% APY · checked 2 times
3.36%3.86%4.36%Oct 13, 2026: 3.86% APYOct 13, 2026Oct 25, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
155 Boardwalk Dr, Fort Collins, CO 80525
12 Month CD
$500
3.85% ▲ 0.56% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.29%▲ 0.56% above avgNationally 2.99%
Details

Not available in: Alaska, California, GA, Hawaii, Illinois, Maine, Massachusetts, Montana, New Hampshire, New York, Rhode Island, Vermont

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.85% ▲ 0.55 pts · high 3.85% / low 3.30%
2.75%3.58%4.40%Sep 14, 2026: 3.30% APYOct 22, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
  • Oct 22, 20263.85%▲ from 3.30%
  • Sep 14, 20263.30%first recorded

Colorado 18 Month CD Rates

MonitorBankRates Colorado Average · 18 Month CD3.13% APY▲ 0.03% from last weekNational 2.88%
View 18-month CD rate trend

The average 18-month CD rate in Colorado is 3.13% APY, compared with 2.88% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1099 18th St, Denver, CO 80202
Fixed-rate Certificate of Deposit - 18 months
$50,000
4.51% ▲ 1.38% above Colorado avg
View
▼
Rate4.51%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average3.13%▲ 1.38% above avgNationally 2.88%
Details

Interest paid quarterly via ACH; withdrawal before maturity not permitted; Rates current as of October 1, 2026

Rate History
No change since Oct 20, 2026 · 4.51% APY · checked 2 times
4.01%4.51%5.01%Oct 20, 2026: 4.51% APYOct 20, 2026Oct 25, 2026
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
8250 Razorback Rd, Colorado Springs, CO 80920
18 Month Certificate of Deposit
$500
4.40% ▲ 1.27% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.13%▲ 1.27% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.10% → 4.40% ▲ 1.30 pts · high 4.40% / low 3.10%
1.80%3.75%5.70%Sep 18, 2026: 3.10% APYOct 2, 2026: 4.40% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20264.40%▲ from 3.10%
  • Sep 18, 20263.10%first recorded
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
123 N College Ave, Fort Collins, CO 80524
18 Month Certificate of Deposit
$1,000
4.35% ▲ 1.22% above Colorado avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.13%▲ 1.22% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 18, 2026 · 3.90% → 4.35% ▲ 0.45 pts · high 4.35% / low 3.90%
3.40%4.13%4.85%Sep 18, 2026: 3.90% APYSep 24, 2026: 4.05% APYOct 7, 2026: 4.35% APYSep 18, 2026Oct 25, 2026
  • 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%
2480 W Alameda Ave, Denver, CO 80223
18-Month CD
$1,000
4.35% ▲ 1.22% above Colorado avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.13%▲ 1.22% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 16, 2026 · 4.40% → 4.35% ▼ 0.05 pts · high 4.40% / low 4.25%
3.75%4.33%4.90%Sep 16, 2026: 4.40% APYOct 3, 2026: 4.25% APYOct 12, 2026: 4.35% APYSep 16, 2026Oct 25, 2026
  • Oct 12, 20264.35%▲ from 4.25%
  • Oct 3, 20264.25%▼ from 4.40%
  • Sep 16, 20264.40%first recorded
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
101 Cook St, Denver, CO 80206
Certificate of Deposit - 18 Month
$0
4.35% ▲ 1.22% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.13%▲ 1.22% above avgNationally 2.88%
Details

Rate History
No change since Oct 19, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 19, 2026: 4.35% APYOct 19, 2026Oct 25, 2026
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
8400 E Prentice Ave, Greenwood Village, CO 80111
18 Month CD
$0
4.30% ▲ 1.17% above Colorado avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.13%▲ 1.17% above avgNationally 2.88%
Details

Early Withdrawal Penalty: 6 Months of Interest

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
3.70%4.25%4.80%Sep 14, 2026: 4.20% APYOct 20, 2026: 4.30% APYSep 14, 2026Oct 25, 2026
  • Oct 20, 20264.30%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO 80017
18 Month Short-Term Certificate
$0
4.15% ▲ 1.02% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.13%▲ 1.02% above avgNationally 2.88%
Details

Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 25, 2026
First National Bank Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
117 Main St, Fowler, CO 81039
Certificate of Deposit - 18 Month
$500
4.11% ▲ 0.98% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.13%▲ 0.98% above avgNationally 2.88%
Details

Special CD rate; APY = annual percentage yield; 18 month CD rolls into 12-month term rate at maturity; Public Funds not eligible; Rates effective as of July 31, 2026

Rate History
No change since Oct 22, 2026 · 4.11% APY · checked 2 times
3.61%4.11%4.61%Oct 22, 2026: 4.11% APYOct 22, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO 80017
18 Month Short-Term Certificate
$0
4.10% ▲ 0.97% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.13%▲ 0.97% above avgNationally 2.88%
Details

Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 25, 2026
Farmers State Bank of Calhan
Institution Rating:
A-4.3 ★Texas Ratio: 3.71%
1500 8th St, Calhan, CO 80808
Certificate of Deposit - 18 Months Special
$500
4.10% ▲ 0.97% above Colorado avg
View
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average3.13%▲ 0.97% above avgNationally 2.88%
Details

CD Special

Rate History
No change since Oct 7, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 7, 2026: 4.10% APYOct 7, 2026Oct 25, 2026
Sunwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
4141 Sovereign Cir, Pueblo, CO 81005
18 Month Certificates/IRA
$0
4.10% ▲ 0.97% above Colorado avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.13%▲ 0.97% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 19, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 19, 2026: 4.10% APYOct 19, 2026Oct 25, 2026
Yuma County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
401 MAIN ST, WRAY, CO 80758 1724
18 Month Certificate of Deposit
$50,000
4.08% ▲ 0.95% above Colorado avg
View
▼
Rate4.00%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.13%▲ 0.95% above avgNationally 2.88%
Details

Minimum Deposit $50,000.00; Dividends compounded and credited semi-yearly

Rate History
1 change since Sep 25, 2026 · 3.56% → 4.08% ▲ 0.52 pts · high 4.08% / low 3.56%
3.04%3.82%4.60%Sep 25, 2026: 3.56% APYOct 15, 2026: 4.08% APYSep 25, 2026Oct 25, 2026
  • Oct 15, 20264.08%▲ from 3.56%
  • Sep 25, 20263.56%first recorded
Canvas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
1113 S Abilene Ct, Aurora, CO 80012
18-Month CD
$1,000
3.95% ▲ 0.82% above Colorado avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.13%▲ 0.82% above avgNationally 2.88%
Details

Rate History
No change since Oct 22, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 22, 2026: 3.95% APYOct 22, 2026Oct 25, 2026
Canvas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
1113 S Abilene Ct, Aurora, CO 80012
18-Month Family HSA CD
$1,000
3.95% ▲ 0.82% above Colorado avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.13%▲ 0.82% above avgNationally 2.88%
Details

Health Savings Account CD - family

Rate History
No change since Oct 22, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 22, 2026: 3.95% APYOct 22, 2026Oct 25, 2026
Canvas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
1113 S Abilene Ct, Aurora, CO 80012
18-Month IRA CD
$2,500
3.95% ▲ 0.82% above Colorado avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.13%▲ 0.82% above avgNationally 2.88%
Details

IRA certificate; interest compounded and credited quarterly

Rate History
No change since Oct 22, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 22, 2026: 3.95% APYOct 22, 2026Oct 25, 2026
Canvas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
1113 S Abilene Ct, Aurora, CO 80012
18-Month Single HSA CD
$1,000
3.95% ▲ 0.82% above Colorado avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.13%▲ 0.82% above avgNationally 2.88%
Details

Health Savings Account CD - single

Rate History
No change since Oct 22, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 22, 2026: 3.95% APYOct 22, 2026Oct 25, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
155 Boardwalk Dr, Fort Collins, CO 80525
CD - 18 months
$0
3.85% ▲ 0.72% above Colorado avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.13%▲ 0.72% above avgNationally 2.88%
Details

Accurate as of 09/30/2026

Rate History
No change since Oct 2, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Oct 2, 2026: 3.85% APYOct 2, 2026Oct 25, 2026
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2380 E Bridge St, Brighton, CO 80601
18 Month CD
$0
3.85% ▲ 0.72% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.13%▲ 0.72% above avgNationally 2.88%
Details

Balance: $100,000 +

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65%
3.15%3.75%4.35%Sep 14, 2026: 3.65% APYOct 19, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20263.85%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Yuma County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
401 MAIN ST, WRAY, CO 80758 1724
18 Month Certificates of Deposit
$10,000
3.82% ▲ 0.69% above Colorado avg
View
▼
Rate3.75%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.13%▲ 0.69% above avgNationally 2.88%
Details

Minimum Deposit $10,000.00

Rate History
1 change since Sep 25, 2026 · 4.08% → 3.82% ▼ 0.26 pts · high 4.08% / low 3.82%
3.32%3.95%4.58%Sep 25, 2026: 4.08% APYOct 12, 2026: 3.82% APYSep 25, 2026Oct 25, 2026
  • Oct 12, 20263.82%▼ from 4.08%
  • Sep 25, 20264.08%first recorded
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
101 S 6th St, Dolores, CO 81323
Jumbo Certificates of Deposit & Greater - 18 Month
$0
3.80% ▲ 0.67% above Colorado avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average3.13%▲ 0.67% above avgNationally 2.88%
Details

$100,000; 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 20, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 20, 2026: 3.80% APYOct 20, 2026Oct 25, 2026
North Valley Bank Thornton, CO
Institution Rating:
A5.0 ★Texas Ratio: 13.05%
9001 Washington St, Thornton, CO 80229
IRA 18 Month Fixed Rate CD
$100,000
3.80% ▲ 0.67% above Colorado avg
View
▼
Rate3.75%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average3.13%▲ 0.67% above avgNationally 2.88%
Details

Interest compounded quarterly; Rates effective as of 10/16/2026

Rate History
No change since Oct 21, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 21, 2026: 3.80% APYOct 21, 2026Oct 25, 2026
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
6384 Wetzel Ave, Fort Carson, CO 80913
Certificate of Deposit 18-Month
$500
3.75% ▲ 0.62% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.13%▲ 0.62% above avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 25, 2026
First Technology Federal Credit Union 2720 Council Tree Ave Ste 188, Fort Collins, CO 80525
Bump Up Share Certificates - 18-Month Bump Up
$100,000
3.75% ▲ 0.62% above Colorado avg
View
▼
Rate3.69%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.13%▲ 0.62% above avgNationally 2.88%
Details

Balance: $100,000 +

Rate History
No change since Oct 22, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 22, 2026: 3.75% APYOct 22, 2026Oct 25, 2026
First Technology Federal Credit Union 2720 Council Tree Ave Ste 188, Fort Collins, CO 80525
IRA Certificates - 18-Month Bump Up
$100,000
3.75% ▲ 0.62% above Colorado avg
View
▼
Rate3.69%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.13%▲ 0.62% above avgNationally 2.88%
Details

Balance: 100,000.00 and over

Rate History
No change since Oct 22, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 22, 2026: 3.75% APYOct 22, 2026Oct 25, 2026
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2380 E Bridge St, Brighton, CO 80601
18 Month CD
$0
3.75% ▲ 0.62% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.13%▲ 0.62% above avgNationally 2.88%
Details

Balance: $500-$99,999.99

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55%
3.05%3.65%4.25%Sep 14, 2026: 3.55% APYOct 19, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20263.75%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO 80017
18 Month EasyStart Certificate
$50
3.70% ▲ 0.57% above Colorado avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.13%▲ 0.57% above avgNationally 2.88%
Details

Share, IRA, ESA; Rates as of Oct 19, 2026 ET

Rate History
No change since Oct 20, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 20, 2026: 3.70% APYOct 20, 2026Oct 25, 2026
North Valley Bank Thornton, CO
Institution Rating:
A5.0 ★Texas Ratio: 13.05%
9001 Washington St, Thornton, CO 80229
18 Month CD
$1,000
3.66% ▲ 0.53% above Colorado avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average3.13%▲ 0.53% above avgNationally 2.88%
Details

Certificates of Deposit

Rate History
No change since Oct 21, 2026 · 3.66% APY
3.16%3.66%4.16%Oct 21, 2026: 3.66% APYOct 21, 2026Oct 25, 2026
North Valley Bank Thornton, CO
Institution Rating:
A5.0 ★Texas Ratio: 13.05%
9001 Washington St, Thornton, CO 80229
IRA 18 Month Fixed Rate CD
$100
3.66% ▲ 0.53% above Colorado avg
View
▼
Rate3.65%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average3.13%▲ 0.53% above avgNationally 2.88%
Details

Interest compounded quarterly; Rates effective as of 10/16/2026

Rate History
No change since Oct 21, 2026 · 3.66% APY
3.16%3.66%4.16%Oct 21, 2026: 3.66% APYOct 21, 2026Oct 25, 2026
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
120 S Wilcox St, Castle Rock, CO 80104
18 Month CD
$0
3.60% ▲ 0.47% above Colorado avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.13%▲ 0.47% above avgNationally 2.88%
Details

APY current as of September 21, 2026; early withdrawal penalty may apply; auto-renews to fixed rate CD of equivalent term

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 11 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 25, 2026
Holyoke Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
101 W Denver St, Holyoke, CO 80734 1427
CD - 18 month
$50,000
3.60% ▲ 0.47% above Colorado avg
View
▼
Rate3.55%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.13%▲ 0.47% above avgNationally 2.88%
Details

Rate History
1 change since Sep 25, 2026 · 3.44% → 3.60% ▲ 0.15 pts · high 3.60% / low 3.44%
2.94%3.52%4.10%Sep 25, 2026: 3.44% APYOct 4, 2026: 3.60% APYSep 25, 2026Oct 25, 2026
  • Oct 4, 20263.60%▲ from 3.44%
  • Sep 25, 20263.44%first recorded
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
303 N Main St, Gunnison, CO 81230
Certificate of Deposit - 18 Month
$500
3.57% ▲ 0.44% above Colorado avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average3.13%▲ 0.44% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 3.57% ▲ 0.01 pts · high 3.57% / low 3.56%
3.06%3.57%4.07%Sep 14, 2026: 3.56% APYOct 3, 2026: 3.57% APYSep 14, 2026Oct 25, 2026
  • Oct 3, 20263.57%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
303 N Main St, Gunnison, CO 81230
IRA 18 Month (Variable Rate)
$500
3.57% ▲ 0.44% above Colorado avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average3.13%▲ 0.44% above avgNationally 2.88%
Details

Individual Retirement Account; Variable Rate

Rate History
No change since Oct 21, 2026 · 3.57% APY
3.07%3.57%4.07%Oct 21, 2026: 3.57% APYOct 21, 2026Oct 25, 2026
Yuma County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
401 MAIN ST, WRAY, CO 80758 1724
18 Month Certificate of Deposit
$500
3.56% ▲ 0.43% above Colorado avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.13%▲ 0.43% above avgNationally 2.88%
Details

Rate History
No change since Sep 25, 2026 · 3.56% APY · checked 5 times
3.06%3.56%4.06%Sep 25, 2026: 3.56% APYSep 25, 2026Oct 25, 2026
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
101 S 6th St, Dolores, CO 81323
Certificates of Deposit - 18 Month
$1,000
3.55% ▲ 0.42% above Colorado avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average3.13%▲ 0.42% above avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Oct 14, 2026: 3.55% APYOct 14, 2026Oct 25, 2026
Aurora Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.93%
15151 E Alameda Pkwy, Aurora, CO 80012
Super Jumbo Certificates - 18 Month
$0
3.55% ▲ 0.42% above Colorado avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.13%▲ 0.42% above avgNationally 2.88%
Details

Super Jumbo Certificates - $50,000 minimum; Penalty may be imposed for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 25, 2026
Holyoke Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
101 W Denver St, Holyoke, CO 80734 1427
CD - 18 month
$10,000
3.55% ▲ 0.42% above Colorado avg
View
▼
Rate3.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.13%▲ 0.42% above avgNationally 2.88%
Details

Rate History
1 change since Sep 25, 2026 · 3.39% → 3.55% ▲ 0.15 pts · high 3.55% / low 3.39%
2.89%3.47%4.05%Sep 25, 2026: 3.39% APYOct 4, 2026: 3.55% APYSep 25, 2026Oct 25, 2026
  • Oct 4, 20263.55%▲ from 3.39%
  • Sep 25, 20263.39%first recorded
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
760 Rood Ave, Grand Junction, CO 81501 3408
CD - 18 Month
$10,000
3.50% ▲ 0.37% above Colorado avg
View
▼
Rate3.45%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.13%▲ 0.37% above avgNationally 2.88%
Details

$10,000 Minimum tier; Annual Percentage Yield calculation based on quarterly compounding

Rate History
No change since Oct 12, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 25, 2026
Aurora Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.93%
15151 E Alameda Pkwy, Aurora, CO 80012
18 Month Jumbo Certificates
$0
3.50% ▲ 0.37% above Colorado avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.13%▲ 0.37% above avgNationally 2.88%
Details

Dividend Rate 3.45%; APY 3.50%

Rate History
No change since Oct 15, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 15, 2026: 3.50% APYOct 15, 2026Oct 25, 2026
First Technology Federal Credit Union 2720 Council Tree Ave Ste 188, Fort Collins, CO 80525
Bump Up Share Certificates - 18-Month Bump Up
$500
3.50% ▲ 0.37% above Colorado avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.13%▲ 0.37% above avgNationally 2.88%
Details

Balance: $0.01 - $99,999.99

Rate History
No change since Oct 22, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 25, 2026
First Technology Federal Credit Union 2720 Council Tree Ave Ste 188, Fort Collins, CO 80525
IRA Certificates - 18-Month Bump Up
$500
3.50% ▲ 0.37% above Colorado avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.13%▲ 0.37% above avgNationally 2.88%
Details

Balance: 500.00 - 99,999.99

Rate History
No change since Oct 22, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 25, 2026
Meritrust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
5505 Arapahoe Ave, Boulder, CO 80303
18 Month Share and IRA Certificates
$500
3.50% ▲ 0.37% above Colorado avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.13%▲ 0.37% above avgNationally 2.88%
Details

Dividend Rate 3.45%; $500 min

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
Foothills Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.96%
7990 W Alameda Ave, Lakewood, CO 80226
Certificate of Deposit - 18 Month
$0
3.50% ▲ 0.37% above Colorado avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.13%▲ 0.37% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 25, 2026
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 10.44%
1010 Johnson Rd Ste 120, Golden, CO 80401 6041
18 Month Certificate
$500
3.50% ▲ 0.37% above Colorado avg
View
▼
Rate3.46%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.13%▲ 0.37% above avgNationally 2.88%
Details

Early withdrawal penalties may apply and may reduce earnings

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
Aurora Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.93%
15151 E Alameda Pkwy, Aurora, CO 80012
Term Certificate - 18 Month
$500
3.45% ▲ 0.32% above Colorado avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.13%▲ 0.32% above avgNationally 2.88%
Details

Term Certificates - $500 Minimum; Penalty may be imposed for early withdrawal

Rate History
No change since Oct 13, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Oct 13, 2026: 3.45% APYOct 13, 2026Oct 25, 2026
Options Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.43%
5935 S Zang St, Littleton, CO 80127
18 Month Certificates (CD)
$500
3.40% ▲ 0.27% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.13%▲ 0.27% above avgNationally 2.88%
Details

Premier membership; Penalty: 180 days interest; Compounds monthly

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 5 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 25, 2026
Northern Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
2901 S 27TH AVE, GREELEY, CO 80631
Summit 18 Month CD
$25,000
3.40% ▲ 0.27% above Colorado avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.13%▲ 0.27% above avgNationally 2.88%
Details

Summit CD Rates - Effective Sunday, October 18, 2026

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 7 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 25, 2026
Sterling Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
822 W Main St, Sterling, CO 80751
IRA Certificates / CDs - 18 month
$1,000
3.35% ▲ 0.22% above Colorado avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.13%▲ 0.22% above avgNationally 2.88%
Details

Penalty for early withdrawal may apply; Dividends Paid Monthly; Compound Monthly; Dividend Period Calendar Month

Rate History
No change since Oct 15, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 15, 2026: 3.35% APYOct 15, 2026Oct 25, 2026
Sterling Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
822 W Main St, Sterling, CO 80751
Share Certificates / CDs - 18 month
$1,000
3.35% ▲ 0.22% above Colorado avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.13%▲ 0.22% above avgNationally 2.88%
Details

Penalty for early withdrawal may apply

Rate History
No change since Oct 15, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 15, 2026: 3.35% APYOct 15, 2026Oct 25, 2026
Sooper Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.13%
1497 S Wadsworth Blvd, Lakewood, CO 80232
18 Month Jumbo CDs
$0
3.35% ▲ 0.22% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.13%▲ 0.22% above avgNationally 2.88%
Details

Includes Traditional and Roth IRA Jumbo CDs

Rate History
No change since Oct 22, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 22, 2026: 3.35% APYOct 22, 2026Oct 25, 2026
Northern Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
2901 S 27TH AVE, GREELEY, CO 80631
18 MONTH IRA CERT
$1,000
3.35% ▲ 0.22% above Colorado avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.13%▲ 0.22% above avgNationally 2.88%
Details

IRA certificate

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 25, 2026

Colorado 24 Month CD Rates

MonitorBankRates Colorado Average · 24 Month CD3.10% APY▼ 0.01% from last weekNational 2.90%
View 24-month CD rate trend

The average 24-month CD rate in Colorado is 3.10% APY, compared with 2.90% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
5Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
104 S Cascade Ave, Colorado Springs, CO 80903
24 Month Variable IRA
$250
4.86% ▲ 1.76% above Colorado avg
View
▼
Rate4.75%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.10%▲ 1.76% above avgNationally 2.90%
Details

Variable IRA rate; indexed to Treasury securities

Rate History
1 change since Sep 14, 2026 · 4.39% → 4.86% ▲ 0.47 pts · high 4.86% / low 4.39%
3.89%4.63%5.36%Sep 14, 2026: 4.39% APYOct 11, 2026: 4.86% APYSep 14, 2026Oct 25, 2026
  • 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%
1099 18th St, Denver, CO 80202
Fixed-rate Certificate of Deposit - 24 months
$50,000
4.55% ▲ 1.45% above Colorado avg
View
▼
Rate4.55%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average3.10%▲ 1.45% above avgNationally 2.90%
Details

Interest paid quarterly via ACH; withdrawal before maturity not permitted; Rates current as of October 1, 2026

Rate History
No change since Oct 20, 2026 · 4.55% APY · checked 2 times
4.05%4.55%5.05%Oct 20, 2026: 4.55% APYOct 20, 2026Oct 25, 2026
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
123 N College Ave, Fort Collins, CO 80524
24 Month Certificate of Deposit
$1,000
4.40% ▲ 1.30% above Colorado avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.10%▲ 1.30% above avgNationally 2.90%
Details

Open Online

Rate History
2 changes since Sep 18, 2026 · 3.95% → 4.40% ▲ 0.45 pts · high 4.40% / low 3.95%
3.45%4.18%4.90%Sep 18, 2026: 3.95% APYSep 24, 2026: 4.00% APYOct 14, 2026: 4.40% APYSep 18, 2026Oct 25, 2026
  • 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%
101 Cook St, Denver, CO 80206
Certificate of Deposit - 24 Month
$0
4.40% ▲ 1.30% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.10%▲ 1.30% above avgNationally 2.90%
Details

Rate History
No change since Oct 19, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 19, 2026: 4.40% APYOct 19, 2026Oct 25, 2026
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
22 Town Plz, Durango, CO 81301 5104
24 Month Term Certificate
$500
4.25% ▲ 1.15% above Colorado avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.10%▲ 1.15% above avgNationally 2.90%
Details

Standard Term Certificate; available to personal and business members

Rate History
1 change since Oct 8, 2026 · 4.11% → 4.25% ▲ 0.14 pts · high 4.25% / low 4.11%
3.61%4.18%4.75%Oct 8, 2026: 4.11% APYOct 23, 2026: 4.25% APYOct 8, 2026Oct 25, 2026
  • Oct 23, 20264.25%▲ from 4.11%
  • Oct 8, 20264.11%first recorded
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
8400 E Prentice Ave, Greenwood Village, CO 80111
24 Month CD
$0
4.20% ▲ 1.10% above Colorado avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.10%▲ 1.10% above avgNationally 2.90%
Details

Early Withdrawal Penalty: 6 Months of Interest

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.20% ▲ 0.10 pts · high 4.20% / low 4.10%
3.60%4.15%4.70%Sep 14, 2026: 4.10% APYOct 20, 2026: 4.20% APYSep 14, 2026Oct 25, 2026
  • Oct 20, 20264.20%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO 80017
Bonus Certificate - 24 Month
$0
4.12% ▲ 1.02% above Colorado avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.10%▲ 1.02% above avgNationally 2.90%
Details

Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 4.12% APY
3.62%4.12%4.62%Oct 23, 2026: 4.12% APYOct 23, 2026Oct 25, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO 80017
Bonus IRA Certificates - 24 Month
$0
4.12% ▲ 1.02% above Colorado avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.10%▲ 1.02% above avgNationally 2.90%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed

Rate History
3 changes since Sep 14, 2026 · 3.96% → 4.12% ▲ 0.16 pts · high 4.12% / low 3.96%
3.46%4.04%4.62%Sep 14, 2026: 3.96% APYSep 25, 2026: 3.97% APYOct 13, 2026: 4.02% APYOct 15, 2026: 4.12% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20264.12%▲ from 4.02%
  • Oct 13, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
Fellowship Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
803 E Olive St, Lamar, CO 81052
24 Month Certificate of Deposit
$500
4.07% ▲ 0.97% above Colorado avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.10%▲ 0.97% above avgNationally 2.90%
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 6 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 25, 2026
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
816 Washington Ave, Golden, CO 80401
24 Month Certificate
$0
4.05% ▲ 0.95% above Colorado avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.10%▲ 0.95% above avgNationally 2.90%
Details

Rate History
2 changes since Sep 14, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85%
3.35%3.95%4.55%Sep 14, 2026: 3.85% APYOct 9, 2026: 3.95% APYOct 19, 2026: 4.05% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.05%▲ from 3.95%
  • 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%
816 Washington Ave, Golden, CO 80401
JUMBO Certificate - 24 Months
$100,000
4.05% ▲ 0.95% above Colorado avg
View
▼
Rate4.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.10%▲ 0.95% above avgNationally 2.90%
Details

Effective: October 1, 2026

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95%
3.45%4.00%4.55%Sep 14, 2026: 3.95% APYOct 9, 2026: 4.05% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.05%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
24 Month Business CD
$0
4.00% ▲ 0.90% above Colorado avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.10%▲ 0.90% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
24 Month HSA CD
$0
4.00% ▲ 0.90% above Colorado avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.10%▲ 0.90% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
24 Month Traditional CD
$0
4.00% ▲ 0.90% above Colorado avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.10%▲ 0.90% above avgNationally 2.90%
Details

Balance: $500 minimum to earn APY

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
Traditional CD - 24 Months
$0
4.00% ▲ 0.90% above Colorado avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.10%▲ 0.90% above avgNationally 2.90%
Details

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1075 Acoma St, Denver, CO 80204 4326
24 Month Certificates of Deposit (CD)
$0
4.00% ▲ 0.90% above Colorado avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.10%▲ 0.90% above avgNationally 2.90%
Details

Balance: $100.00 and over; Compounded/Credited: Monthly

Rate History
1 change since Sep 14, 2026 · 3.40% → 4.00% ▲ 0.60 pts · high 4.00% / low 3.40%
2.80%3.70%4.60%Sep 14, 2026: 3.40% APYOct 10, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.00%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1075 Acoma St, Denver, CO 80204 4326
Certificate of Deposit - 24 Months
$0
4.00% ▲ 0.90% above Colorado avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.10%▲ 0.90% above avgNationally 2.90%
Details

Balance: $100.00 and over; Compounded/Credited: Monthly

Rate History
1 change since Sep 14, 2026 · 3.40% → 4.00% ▲ 0.60 pts · high 4.00% / low 3.40%
2.80%3.70%4.60%Sep 14, 2026: 3.40% APYOct 10, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.00%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO 80017
24 Month Certificate
$0
3.97% ▲ 0.87% above Colorado avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.10%▲ 0.87% above avgNationally 2.90%
Details

Rate History
3 changes since Sep 14, 2026 · 3.80% → 3.97% ▲ 0.17 pts · high 3.97% / low 3.80%
3.30%3.89%4.47%Sep 14, 2026: 3.80% APYOct 5, 2026: 3.81% APYOct 9, 2026: 3.86% APYOct 23, 2026: 3.97% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20263.97%▲ from 3.86%
  • Oct 9, 20263.86%▲ from 3.81%
  • Oct 5, 20263.81%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO 80017
IRA Certificate 24 Month
$0
3.97% ▲ 0.87% above Colorado avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.10%▲ 0.87% above avgNationally 2.90%
Details

Minimum daily balance to earn APY: $2,000; Effective as of Friday, October 23rd, 2026; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 3.97% APY
3.47%3.97%4.47%Oct 23, 2026: 3.97% APYOct 23, 2026Oct 25, 2026
Farmers State Bank of Calhan
Institution Rating:
A-4.3 ★Texas Ratio: 3.71%
1500 8th St, Calhan, CO 80808
Certificate of Deposit - 2 Years
$500
3.95% ▲ 0.85% above Colorado avg
View
▼
Rate3.89%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average3.10%▲ 0.85% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 2.96% → 3.95% ▲ 0.99 pts · high 3.95% / low 2.96%
1.97%3.46%4.94%Sep 14, 2026: 2.96% APYSep 24, 2026: 3.95% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20263.95%▲ from 2.96%
  • Sep 14, 20262.96%first recorded
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
816 Washington Ave, Golden, CO 80401
24 Month Term Certificates
$500
3.95% ▲ 0.85% above Colorado avg
View
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.10%▲ 0.85% above avgNationally 2.90%
Details

Effective: October 1, 2026; Minimum balance required to earn stated rate - $500.00; Early withdrawal penalties apply; Dividend withdrawal allowed; Additional deposits not permitted

Rate History
No change since Oct 13, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 13, 2026: 3.95% APYOct 13, 2026Oct 25, 2026
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
816 Washington Ave, Golden, CO 80401
Traditional IRA, Roth IRA and SEP IRA - 24 Months
$500
3.95% ▲ 0.85% above Colorado avg
View
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.10%▲ 0.85% above avgNationally 2.90%
Details

Dividends compounded monthly, credited monthly; Early withdrawal penalties apply; IRA restrictions apply

Rate History
No change since Oct 19, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 19, 2026: 3.95% APYOct 19, 2026Oct 25, 2026
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2380 E Bridge St, Brighton, CO 80601
24 Month CD
$0
3.95% ▲ 0.85% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.10%▲ 0.85% above avgNationally 2.90%
Details

Balance: $100,000 +

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.95% ▲ 0.30 pts · high 3.95% / low 3.65%
3.15%3.80%4.45%Sep 14, 2026: 3.65% APYOct 19, 2026: 3.95% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20263.95%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.91%
116 Inverness Dr E, Englewood, CO 80112
2 Year Clean Energy Certificate of Deposit
$0
3.92% ▲ 0.82% above Colorado avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.10%▲ 0.82% above avgNationally 2.90%
Details

Balance: $100,000 and over

Rate History
No change since Sep 18, 2026 · 3.92% APY · checked 5 times
3.42%3.92%4.42%Sep 18, 2026: 3.92% APYSep 18, 2026Oct 25, 2026
Wings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
7250 Campus Dr, Colorado Springs, CO 80920 6517
24 Month Standard CD
$500
3.90% ▲ 0.80% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.10%▲ 0.80% above avgNationally 2.90%
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
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 25, 2026
Canvas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
1113 S Abilene Ct, Aurora, CO 80012
24-Month CD
$1,000
3.85% ▲ 0.75% above Colorado avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.10%▲ 0.75% above avgNationally 2.90%
Details

Rate History
No change since Oct 22, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 22, 2026: 3.85% APYOct 22, 2026Oct 25, 2026
Canvas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
1113 S Abilene Ct, Aurora, CO 80012
24-Month Family HSA CD
$1,000
3.85% ▲ 0.75% above Colorado avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.10%▲ 0.75% above avgNationally 2.90%
Details

Health Savings Account CD - family

Rate History
No change since Oct 22, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 22, 2026: 3.85% APYOct 22, 2026Oct 25, 2026
Canvas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
1113 S Abilene Ct, Aurora, CO 80012
24-Month IRA CD
$2,500
3.85% ▲ 0.75% above Colorado avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.10%▲ 0.75% above avgNationally 2.90%
Details

IRA certificate; interest compounded and credited quarterly

Rate History
No change since Oct 22, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 22, 2026: 3.85% APYOct 22, 2026Oct 25, 2026
Canvas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
1113 S Abilene Ct, Aurora, CO 80012
24-Month Single HSA CD
$1,000
3.85% ▲ 0.75% above Colorado avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.10%▲ 0.75% above avgNationally 2.90%
Details

Health Savings Account CD - single

Rate History
No change since Oct 22, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 22, 2026: 3.85% APYOct 22, 2026Oct 25, 2026
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2380 E Bridge St, Brighton, CO 80601
24 Month CD
$0
3.85% ▲ 0.75% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.10%▲ 0.75% above avgNationally 2.90%
Details

Balance: $500-$99,999.99

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55%
3.05%3.70%4.35%Sep 14, 2026: 3.55% APYOct 19, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20263.85%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
303 N Main St, Gunnison, CO 81230
Certificate of Deposit - 2 Years
$500
3.83% ▲ 0.73% above Colorado avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average3.10%▲ 0.73% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.57% → 3.83% ▲ 0.26 pts · high 3.83% / low 3.57%
3.07%3.70%4.33%Sep 14, 2026: 3.57% APYSep 24, 2026: 3.83% APYSep 14, 2026Oct 25, 2026
  • 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%
303 N Main St, Gunnison, CO 81230
IRA 2 Years
$500
3.83% ▲ 0.73% above Colorado avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average3.10%▲ 0.73% above avgNationally 2.90%
Details

Individual Retirement Account

Rate History
No change since Oct 7, 2026 · 3.83% APY · checked 3 times
3.33%3.83%4.33%Oct 7, 2026: 3.83% APYOct 7, 2026Oct 25, 2026
Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
12 Lakeside Ln, Denver, CO 80212 7413
24 Month Share Certificate
$500
3.82% ▲ 0.72% above Colorado avg
View
▼
Rate3.76%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.10%▲ 0.72% above avgNationally 2.90%
Details

Effective as of 10/05/2026; $500 minimum balance requirement; subject to early withdrawal penalty

Rate History
No change since Oct 23, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 23, 2026: 3.82% APYOct 23, 2026Oct 25, 2026
Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
12 Lakeside Ln, Denver, CO 80212 7413
Share/IRA/HSA Certificates - 24 months
$500
3.82% ▲ 0.72% above Colorado avg
View
▼
Rate3.76%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.10%▲ 0.72% above avgNationally 2.90%
Details

Effective as of: 10/05/2026; Minimum $500 Minimum; subject to early withdrawal penalty

Rate History
No change since Oct 8, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Oct 8, 2026: 3.82% APYOct 8, 2026Oct 25, 2026
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.91%
116 Inverness Dr E, Englewood, CO 80112
2 Year Clean Energy Certificate of Deposit
$0
3.82% ▲ 0.72% above Colorado avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.10%▲ 0.72% above avgNationally 2.90%
Details

Balance: $25,000 - $99,999

Rate History
No change since Sep 18, 2026 · 3.82% APY · checked 5 times
3.32%3.82%4.32%Sep 18, 2026: 3.82% APYSep 18, 2026Oct 25, 2026
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.91%
116 Inverness Dr E, Englewood, CO 80112
2 Year IRA Certificate of Deposit
$0
3.82% ▲ 0.72% above Colorado avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.10%▲ 0.72% above avgNationally 2.90%
Details

Balance: $25,000 - $99,999

Rate History
No change since Oct 9, 2026 · 3.82% APY · checked 4 times
3.32%3.82%4.32%Oct 9, 2026: 3.82% APYOct 9, 2026Oct 25, 2026
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1549 E Abriendo Ave, Pueblo, CO 81004 3403
Certificates of Deposit - 24 Month
$500
3.80% ▲ 0.70% above Colorado avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.10%▲ 0.70% above avgNationally 2.90%
Details

Compounded/Credited: Quarterly; Effective: 10/01/2026

Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 14, 2026: 3.80% APYOct 14, 2026Oct 25, 2026
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1549 E Abriendo Ave, Pueblo, CO 81004 3403
IRA / ROTH / Educational CD's - 24 Month
$1,000
3.80% ▲ 0.70% above Colorado avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.10%▲ 0.70% above avgNationally 2.90%
Details

Compounded/Credited: Quarterly; Rates Effective: 10/01/2026

Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 14, 2026: 3.80% APYOct 14, 2026Oct 25, 2026
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
600 S Lincoln Ave, Steamboat Springs, CO 80487
IRAs (Roth & Traditional) - Fixed Rate - 24 months
$100
3.75% ▲ 0.65% above Colorado avg
View
▼
Rate3.68%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average3.10%▲ 0.65% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.75% ▲ 0.75 pts · high 3.75% / low 3.00%
2.25%3.38%4.50%Sep 14, 2026: 3.00% APYOct 21, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
  • Oct 21, 20263.75%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
600 S Lincoln Ave, Steamboat Springs, CO 80487
IRAs (Roth & Traditional) - Fixed Rate 24 Month
$100
3.75% ▲ 0.65% above Colorado avg
View
▼
Rate3.68%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average3.10%▲ 0.65% above avgNationally 2.90%
Details

Minimum of $100 to open

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.75% ▲ 0.75 pts · high 3.75% / low 3.00%
2.25%3.38%4.50%Sep 14, 2026: 3.00% APYOct 21, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
  • Oct 21, 20263.75%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
600 S Lincoln Ave, Steamboat Springs, CO 80487
Time Certificates - 24 months
$1,000
3.75% ▲ 0.65% above Colorado avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average3.10%▲ 0.65% above avgNationally 2.90%
Details

Minimum of $1,000 to open

Rate History
No change since Oct 21, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 21, 2026: 3.75% APYOct 21, 2026Oct 25, 2026
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
6221 Sheridan Blvd, Arvada, CO 80003
Consumer and Business Regular and IRA Certificates of Deposit (CDs) - 24 Months
$500
3.75% ▲ 0.65% above Colorado avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.10%▲ 0.65% above avgNationally 2.90%
Details

Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 25, 2026
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
1601 Wewatta St Ste 300, Denver, CO 80202 6478
24-Month Certificate
$1,000
3.75% ▲ 0.65% above Colorado avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.10%▲ 0.65% above avgNationally 2.90%
Details

Balance: $1,000; Dividend Rate 3.682%; IRA options available; Penalty may apply for early withdrawal; Consumer accounts only

Rate History
1 change since Sep 18, 2026 · 2.90% → 3.75% ▲ 0.85 pts · high 3.75% / low 2.90%
2.05%3.32%4.60%Sep 18, 2026: 2.90% APYOct 14, 2026: 3.75% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20263.75%▲ from 2.90%
  • Sep 18, 20262.90%first recorded
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.91%
116 Inverness Dr E, Englewood, CO 80112
2 Year Clean Energy Certificate of Deposit
$0
3.71% ▲ 0.61% above Colorado avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.10%▲ 0.61% above avgNationally 2.90%
Details

Balance: $1,000 - $24,999

Rate History
No change since Sep 18, 2026 · 3.71% APY · checked 5 times
3.21%3.71%4.21%Sep 18, 2026: 3.71% APYSep 18, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO 80017
24 Month Short-Term Certificate
$0
3.70% ▲ 0.60% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.10%▲ 0.60% above avgNationally 2.90%
Details

Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 20, 2026: 3.70% APYOct 20, 2026Oct 25, 2026
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
101 S 6th St, Dolores, CO 81323
Jumbo Certificates of Deposit & Greater - 2 Year
$0
3.70% ▲ 0.60% above Colorado avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average3.10%▲ 0.60% above avgNationally 2.90%
Details

$100,000; 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 20, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 20, 2026: 3.70% APYOct 20, 2026Oct 25, 2026
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
5080 W 60th Ave, Arvada, CO 80003 6919
Share & IRA Certificates - 24 Month Term- Jumbo
$0
3.67% ▲ 0.57% above Colorado avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.10%▲ 0.57% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.61% → 3.67% ▲ 0.06 pts · high 3.67% / low 3.61%
3.11%3.64%4.17%Sep 14, 2026: 3.61% APYOct 12, 2026: 3.67% APYSep 14, 2026Oct 25, 2026
  • Oct 12, 20263.67%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO 80017
24 Month Short-Term Certificate
$0
3.66% ▲ 0.56% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.10%▲ 0.56% above avgNationally 2.90%
Details

Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 3.66% APY
3.16%3.66%4.16%Oct 20, 2026: 3.66% APYOct 20, 2026Oct 25, 2026
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
4902 E Dry Creek Rd, Centennial, CO 80122
2 Year Jumbo IRA Share Certificate
$0
3.65% ▲ 0.55% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.10%▲ 0.55% above avgNationally 2.90%
Details

Minimum balance to earn dividends

Rate History
No change since Oct 5, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 5, 2026: 3.65% APYOct 5, 2026Oct 25, 2026
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
4902 E Dry Creek Rd, Centennial, CO 80122
2 Year Jumbo Share Certificate
$0
3.65% ▲ 0.55% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.10%▲ 0.55% above avgNationally 2.90%
Details

Minimum balance to earn dividends

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 14, 2026: 3.50% APYSep 25, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
  • Sep 25, 20263.65%▲ from 3.50%
  • Sep 14, 20263.50%first recorded

Colorado 36 Month CD Rates

MonitorBankRates Colorado Average · 36 Month CD3.09% APYUnchanged from last weekNational 2.81%
View 36-month CD rate trend

The average 36-month CD rate in Colorado is 3.09% APY, compared with 2.81% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
5Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
104 S Cascade Ave, Colorado Springs, CO 80903
36 Month Variable IRA
$250
4.96% ▲ 1.87% above Colorado avg
View
▼
Rate4.85%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.09%▲ 1.87% above avgNationally 2.81%
Details

Variable IRA rate; indexed to Treasury securities

Rate History
1 change since Sep 14, 2026 · 4.44% → 4.96% ▲ 0.52 pts · high 4.96% / low 4.44%
3.92%4.70%5.48%Sep 14, 2026: 4.44% APYOct 11, 2026: 4.96% APYSep 14, 2026Oct 25, 2026
  • 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%
1099 18th St, Denver, CO 80202
Fixed-rate Certificate of Deposit - 36 months
$50,000
4.50% ▲ 1.41% above Colorado avg
View
▼
Rate4.50%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average3.09%▲ 1.41% above avgNationally 2.81%
Details

Interest paid quarterly via ACH; withdrawal before maturity not permitted; Rates current as of October 1, 2026

Rate History
No change since Oct 20, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 20, 2026: 4.50% APYOct 20, 2026Oct 25, 2026
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1075 Acoma St, Denver, CO 80204 4326
36 Month Certificates of Deposit (CD)
$0
4.30% ▲ 1.21% above Colorado avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.09%▲ 1.21% above avgNationally 2.81%
Details

Balance: $100,000.00 and over; Compounded/Credited: Monthly

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.30% ▲ 0.65 pts · high 4.30% / low 3.65%
3.00%3.97%4.95%Sep 14, 2026: 3.65% APYOct 10, 2026: 4.30% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.30%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1075 Acoma St, Denver, CO 80204 4326
Certificate of Deposit - 36 Months
$0
4.30% ▲ 1.21% above Colorado avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.09%▲ 1.21% above avgNationally 2.81%
Details

Balance: $100,000.00 and over; Compounded/Credited: Monthly

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.30% ▲ 0.65 pts · high 4.30% / low 3.65%
3.00%3.97%4.95%Sep 14, 2026: 3.65% APYOct 10, 2026: 4.30% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.30%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
816 Washington Ave, Golden, CO 80401
36 Month Certificate
$0
4.20% ▲ 1.11% above Colorado avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.09%▲ 1.11% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 14, 2026: 4.00% APYOct 9, 2026: 4.10% APYOct 19, 2026: 4.20% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.20%▲ from 4.10%
  • 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%
816 Washington Ave, Golden, CO 80401
JUMBO Certificate - 36 Months
$100,000
4.20% ▲ 1.11% above Colorado avg
View
▼
Rate4.12%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.09%▲ 1.11% above avgNationally 2.81%
Details

Effective: October 1, 2026

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.20% ▲ 0.10 pts · high 4.20% / low 4.10%
3.60%4.15%4.70%Sep 14, 2026: 4.10% APYOct 9, 2026: 4.20% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.20%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO 80017
Bonus Certificate - 36 Month
$0
4.17% ▲ 1.08% above Colorado avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.09%▲ 1.08% above avgNationally 2.81%
Details

Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 4.17% APY
3.67%4.17%4.67%Oct 23, 2026: 4.17% APYOct 23, 2026Oct 25, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO 80017
Bonus IRA Certificates - 36 Month
$0
4.17% ▲ 1.08% above Colorado avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.09%▲ 1.08% above avgNationally 2.81%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed

Rate History
4 changes since Sep 14, 2026 · 3.91% → 4.17% ▲ 0.26 pts · high 4.17% / low 3.91%
3.41%4.04%4.67%Sep 14, 2026: 3.91% APYSep 25, 2026: 3.97% APYOct 13, 2026: 4.02% APYOct 15, 2026: 4.12% APYOct 23, 2026: 4.17% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20264.17%▲ from 4.12%
  • Oct 15, 20264.12%▲ from 4.02%
  • Oct 13, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.91%
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO 80017
3 Year Long-Term Certificate
$0
4.15% ▲ 1.06% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.09%▲ 1.06% above avgNationally 2.81%
Details

Balance tier: $100K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 25, 2026
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
8400 E Prentice Ave, Greenwood Village, CO 80111
36 Month CD
$0
4.15% ▲ 1.06% above Colorado avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.09%▲ 1.06% above avgNationally 2.81%
Details

Early Withdrawal Penalty: 6 Months of Interest

Rate History
1 change since Sep 14, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05%
3.55%4.10%4.65%Sep 14, 2026: 4.05% APYOct 20, 2026: 4.15% APYSep 14, 2026Oct 25, 2026
  • Oct 20, 20264.15%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO 80017
3 Year Long-Term Certificate
$0
4.10% ▲ 1.01% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.09%▲ 1.01% above avgNationally 2.81%
Details

Balance tier: $1K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 25, 2026
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
816 Washington Ave, Golden, CO 80401
36 Month Term Certificates
$500
4.10% ▲ 1.01% above Colorado avg
View
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.09%▲ 1.01% above avgNationally 2.81%
Details

Effective: October 1, 2026; Minimum balance required to earn stated rate - $500.00; Early withdrawal penalties apply; Dividend withdrawal allowed; Additional deposits not permitted

Rate History
No change since Oct 13, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 13, 2026: 4.10% APYOct 13, 2026Oct 25, 2026
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
816 Washington Ave, Golden, CO 80401
Traditional IRA, Roth IRA and SEP IRA - 36 Months
$500
4.10% ▲ 1.01% above Colorado avg
View
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.09%▲ 1.01% above avgNationally 2.81%
Details

Dividends compounded monthly, credited monthly; Early withdrawal penalties apply; IRA restrictions apply

Rate History
No change since Oct 19, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 19, 2026: 4.10% APYOct 19, 2026Oct 25, 2026
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
303 N Main St, Gunnison, CO 81230
Certificate of Deposit - 3 Years
$500
4.09% ▲ 1.00% above Colorado avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average3.09%▲ 1.00% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.09% APY · checked 7 times
3.59%4.09%4.59%Sep 14, 2026: 4.09% APYSep 14, 2026Oct 25, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
36 Month Business CD
$0
4.05% ▲ 0.96% above Colorado avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.09%▲ 0.96% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 9 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 25, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
36 Month HSA CD
$0
4.05% ▲ 0.96% above Colorado avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.09%▲ 0.96% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 9 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 25, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
36 Month Traditional CD
$0
4.05% ▲ 0.96% above Colorado avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.09%▲ 0.96% above avgNationally 2.81%
Details

Balance: $500 minimum to earn APY

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 9 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 25, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
Traditional CD - 36 Months
$0
4.05% ▲ 0.96% above Colorado avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.09%▲ 0.96% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 25, 2026
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1075 Acoma St, Denver, CO 80204 4326
36 Month Certificates of Deposit (CD)
$0
4.05% ▲ 0.96% above Colorado avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.09%▲ 0.96% above avgNationally 2.81%
Details

Balance: $100.00 and over; Compounded/Credited: Monthly

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.05% ▲ 0.40 pts · high 4.05% / low 3.65%
3.15%3.85%4.55%Sep 14, 2026: 3.65% APYOct 10, 2026: 4.05% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.05%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1075 Acoma St, Denver, CO 80204 4326
Certificate of Deposit - 36 Months
$0
4.05% ▲ 0.96% above Colorado avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.09%▲ 0.96% above avgNationally 2.81%
Details

Balance: $100.00 and over; Compounded/Credited: Monthly

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.05% ▲ 0.40 pts · high 4.05% / low 3.65%
3.15%3.85%4.55%Sep 14, 2026: 3.65% APYOct 10, 2026: 4.05% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.05%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO 80017
36 Month Certificate
$0
4.02% ▲ 0.93% above Colorado avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.09%▲ 0.93% above avgNationally 2.81%
Details

Rate History
3 changes since Sep 14, 2026 · 3.76% → 4.02% ▲ 0.26 pts · high 4.02% / low 3.76%
3.26%3.89%4.52%Sep 14, 2026: 3.76% APYOct 5, 2026: 3.81% APYOct 9, 2026: 3.86% APYOct 23, 2026: 4.02% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20264.02%▲ from 3.86%
  • Oct 9, 20263.86%▲ from 3.81%
  • Oct 5, 20263.81%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO 80017
IRA Certificate 36 Month
$0
4.02% ▲ 0.93% above Colorado avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.09%▲ 0.93% above avgNationally 2.81%
Details

Minimum daily balance to earn APY: $2,000; Effective as of Friday, October 23rd, 2026; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 23, 2026: 4.02% APYOct 23, 2026Oct 25, 2026
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2380 E Bridge St, Brighton, CO 80601
36 Month CD
$0
4.00% ▲ 0.91% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.09%▲ 0.91% above avgNationally 2.81%
Details

Balance: $100,000 +

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 19, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
12 Lakeside Ln, Denver, CO 80212 7413
36 Month Share Certificate
$500
3.90% ▲ 0.81% above Colorado avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.09%▲ 0.81% above avgNationally 2.81%
Details

Effective as of 10/05/2026; $500 minimum balance requirement; subject to early withdrawal penalty

Rate History
No change since Oct 23, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 23, 2026: 3.90% APYOct 23, 2026Oct 25, 2026
Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
12 Lakeside Ln, Denver, CO 80212 7413
Share/IRA/HSA Certificates - 36 months
$500
3.90% ▲ 0.81% above Colorado avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.09%▲ 0.81% above avgNationally 2.81%
Details

Effective as of: 10/05/2026; Minimum $500 Minimum; subject to early withdrawal penalty

Rate History
No change since Oct 8, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 8, 2026: 3.90% APYOct 8, 2026Oct 25, 2026
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2380 E Bridge St, Brighton, CO 80601
36 Month CD
$0
3.90% ▲ 0.81% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.09%▲ 0.81% above avgNationally 2.81%
Details

Balance: $500-$99,999.99

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.90% ▲ 0.25 pts · high 3.90% / low 3.65%
3.15%3.78%4.40%Sep 14, 2026: 3.65% APYOct 19, 2026: 3.90% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20263.90%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
6221 Sheridan Blvd, Arvada, CO 80003
Consumer and Business Regular and IRA Certificates of Deposit (CDs) - 36 Months
$500
3.85% ▲ 0.76% above Colorado avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.09%▲ 0.76% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 13, 2026: 3.85% APYOct 13, 2026Oct 25, 2026
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
1601 Wewatta St Ste 300, Denver, CO 80202 6478
36-Month Certificate
$1,000
3.85% ▲ 0.76% above Colorado avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.09%▲ 0.76% above avgNationally 2.81%
Details

Balance: $1,000; Dividend Rate 3.778%; IRA options available; Penalty may apply for early withdrawal; Consumer accounts only

Rate History
1 change since Sep 18, 2026 · 2.90% → 3.85% ▲ 0.95 pts · high 3.85% / low 2.90%
1.95%3.38%4.80%Sep 18, 2026: 2.90% APYOct 14, 2026: 3.85% APYSep 18, 2026Oct 25, 2026
  • 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%
7250 Campus Dr, Colorado Springs, CO 80920 6517
24 - 36 Month Flex CD
$1,000
3.75% ▲ 0.66% above Colorado avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.09%▲ 0.66% 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%
3.15%3.70%4.25%Sep 18, 2026: 3.65% APYOct 10, 2026: 3.75% APYSep 18, 2026Oct 25, 2026
  • Oct 10, 20263.75%▲ from 3.65%
  • Sep 18, 20263.65%first recorded
Wings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
7250 Campus Dr, Colorado Springs, CO 80920 6517
36 Month Flex Certificate
$0
3.75% ▲ 0.66% above Colorado avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.09%▲ 0.66% above avgNationally 2.81%
Details

Flex Certificate

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3033 E 1st Ave, Denver, CO 80206
Certificates of Deposit - 36 Month
$0
3.70% ▲ 0.61% above Colorado avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.09%▲ 0.61% above avgNationally 2.81%
Details

Balance: $1,000 or more

Rate History
No change since Oct 14, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 14, 2026: 3.70% APYOct 14, 2026Oct 25, 2026
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
101 S 6th St, Dolores, CO 81323
Jumbo Certificates of Deposit & Greater - 3 Year
$0
3.70% ▲ 0.61% above Colorado avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average3.09%▲ 0.61% above avgNationally 2.81%
Details

$100,000; 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 20, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 20, 2026: 3.70% APYOct 20, 2026Oct 25, 2026
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
22 Town Plz, Durango, CO 81301 5104
36 Month Term Certificate
$500
3.65% ▲ 0.56% above Colorado avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.09%▲ 0.56% above avgNationally 2.81%
Details

Standard Term Certificate; available to personal and business members

Rate History
No change since Oct 8, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 8, 2026: 3.65% APYOct 8, 2026Oct 25, 2026
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
4902 E Dry Creek Rd, Centennial, CO 80122
3 Year Jumbo IRA Share Certificate
$0
3.65% ▲ 0.56% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.09%▲ 0.56% above avgNationally 2.81%
Details

Minimum balance to earn dividends

Rate History
No change since Oct 5, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 5, 2026: 3.65% APYOct 5, 2026Oct 25, 2026
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
4902 E Dry Creek Rd, Centennial, CO 80122
3 Year Jumbo Share Certificate
$0
3.65% ▲ 0.56% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.09%▲ 0.56% above avgNationally 2.81%
Details

Minimum balance to earn dividends

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 14, 2026: 3.50% APYSep 25, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
  • Sep 25, 20263.65%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
4902 E Dry Creek Rd, Centennial, CO 80122
Jumbo Share Certificate - 3 Years
$0
3.65% ▲ 0.56% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.09%▲ 0.56% above avgNationally 2.81%
Details

Minimum balance to earn dividends: $100,000.00

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 14, 2026: 3.50% APYSep 25, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
  • Sep 25, 20263.65%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Canvas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
1113 S Abilene Ct, Aurora, CO 80012
36-Month CD
$1,000
3.60% ▲ 0.51% above Colorado avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.09%▲ 0.51% above avgNationally 2.81%
Details

Rate History
No change since Oct 22, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 22, 2026: 3.60% APYOct 22, 2026Oct 25, 2026
Canvas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
1113 S Abilene Ct, Aurora, CO 80012
36-Month Family HSA CD
$1,000
3.60% ▲ 0.51% above Colorado avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.09%▲ 0.51% above avgNationally 2.81%
Details

Health Savings Account CD - family

Rate History
No change since Oct 22, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 22, 2026: 3.60% APYOct 22, 2026Oct 25, 2026
Canvas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
1113 S Abilene Ct, Aurora, CO 80012
36-Month IRA CD
$2,500
3.60% ▲ 0.51% above Colorado avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.09%▲ 0.51% above avgNationally 2.81%
Details

IRA certificate; interest compounded and credited quarterly

Rate History
No change since Oct 22, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 22, 2026: 3.60% APYOct 22, 2026Oct 25, 2026
Canvas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
1113 S Abilene Ct, Aurora, CO 80012
36-Month Single HSA CD
$1,000
3.60% ▲ 0.51% above Colorado avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.09%▲ 0.51% above avgNationally 2.81%
Details

Health Savings Account CD - single

Rate History
No change since Oct 22, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 22, 2026: 3.60% APYOct 22, 2026Oct 25, 2026
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 10.44%
1010 Johnson Rd Ste 120, Golden, CO 80401 6041
36 Month Certificate
$500
3.60% ▲ 0.51% above Colorado avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.09%▲ 0.51% above avgNationally 2.81%
Details

Early withdrawal penalties may apply and may reduce earnings

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 8 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 25, 2026
Yuma County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
401 MAIN ST, WRAY, CO 80758 1724
36 Month Certificate of Deposit
$50,000
3.56% ▲ 0.47% above Colorado avg
View
▼
Rate3.50%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.09%▲ 0.47% above avgNationally 2.81%
Details

Minimum Deposit $50,000.00; Dividends compounded and credited semi-yearly

Rate History
1 change since Sep 25, 2026 · 2.52% → 3.56% ▲ 1.04 pts · high 3.56% / low 2.52%
1.48%3.04%4.60%Sep 25, 2026: 2.52% APYOct 15, 2026: 3.56% APYSep 25, 2026Oct 25, 2026
  • Oct 15, 20263.56%▲ from 2.52%
  • Sep 25, 20262.52%first recorded
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
600 S Lincoln Ave, Steamboat Springs, CO 80487
IRAs (Roth & Traditional) - Fixed Rate - 36 months
$100
3.55% ▲ 0.46% above Colorado avg
View
▼
Rate3.49%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average3.09%▲ 0.46% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 2.80% → 3.55% ▲ 0.75 pts · high 3.55% / low 2.80%
2.05%3.18%4.30%Sep 14, 2026: 2.80% APYOct 21, 2026: 3.55% APYSep 14, 2026Oct 25, 2026
  • Oct 21, 20263.55%▲ from 2.80%
  • Sep 14, 20262.80%first recorded
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
600 S Lincoln Ave, Steamboat Springs, CO 80487
IRAs (Roth & Traditional) - Fixed Rate 36 Month
$100
3.55% ▲ 0.46% above Colorado avg
View
▼
Rate3.49%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average3.09%▲ 0.46% above avgNationally 2.81%
Details

Minimum of $100 to open

Rate History
1 change since Sep 14, 2026 · 2.80% → 3.55% ▲ 0.75 pts · high 3.55% / low 2.80%
2.05%3.18%4.30%Sep 14, 2026: 2.80% APYOct 21, 2026: 3.55% APYSep 14, 2026Oct 25, 2026
  • Oct 21, 20263.55%▲ from 2.80%
  • Sep 14, 20262.80%first recorded
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
600 S Lincoln Ave, Steamboat Springs, CO 80487
Time Certificates - 36 months
$1,000
3.55% ▲ 0.46% above Colorado avg
View
▼
Rate3.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average3.09%▲ 0.46% above avgNationally 2.81%
Details

Minimum of $1,000 to open

Rate History
No change since Oct 21, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 21, 2026: 3.55% APYOct 21, 2026Oct 25, 2026
Aurora Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.93%
15151 E Alameda Pkwy, Aurora, CO 80012
IRA 36 Month CD
$0
3.55% ▲ 0.46% above Colorado avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.09%▲ 0.46% above avgNationally 2.81%
Details

Individual Retirement Accounts; 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 9 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 25, 2026
Aurora Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.93%
15151 E Alameda Pkwy, Aurora, CO 80012
Super Jumbo Certificates - 36 Month
$0
3.55% ▲ 0.46% above Colorado avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.09%▲ 0.46% above avgNationally 2.81%
Details

Super Jumbo Certificates - $50,000 minimum; Penalty may be imposed for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 25, 2026
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
8250 Razorback Rd, Colorado Springs, CO 80920
36 Month Certificate of Deposit
$500
3.51% ▲ 0.42% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.09%▲ 0.42% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.03% → 3.51% ▲ 0.48 pts · high 3.51% / low 3.03%
2.53%3.27%4.01%Sep 18, 2026: 3.03% APYOct 2, 2026: 3.51% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20263.51%▲ from 3.03%
  • Sep 18, 20263.03%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% ▲ 0.41% above Colorado avg
View
▼
Rate3.45%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.09%▲ 0.41% above avgNationally 2.81%
Details

$10,000 Minimum tier; Annual Percentage Yield calculation based on quarterly compounding

Rate History
No change since Oct 12, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 25, 2026
Aurora Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.93%
15151 E Alameda Pkwy, Aurora, CO 80012
36 Month Jumbo Certificates
$0
3.50% ▲ 0.41% above Colorado avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.09%▲ 0.41% above avgNationally 2.81%
Details

Dividend Rate 3.45%; APY 3.50%

Rate History
No change since Oct 15, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 15, 2026: 3.50% APYOct 15, 2026Oct 25, 2026

Colorado 48 Month CD Rates

MonitorBankRates Colorado Average · 48 Month CD2.99% APY▲ 0.02% from last weekNational 2.81%
View 48-month CD rate trend

The average 48-month CD rate in Colorado is 2.99% APY, compared with 2.81% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
303 N Main St, Gunnison, CO 81230
Certificate of Deposit - 4 Years
$500
4.35% ▲ 1.36% above Colorado avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average2.99%▲ 1.36% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.09% → 4.35% ▲ 0.26 pts · high 4.35% / low 4.09%
3.59%4.22%4.85%Sep 14, 2026: 4.09% APYSep 24, 2026: 4.35% APYSep 14, 2026Oct 25, 2026
  • 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%
1075 Acoma St, Denver, CO 80204 4326
48 Month Certificates of Deposit (CD)
$0
4.35% ▲ 1.36% above Colorado avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.99%▲ 1.36% above avgNationally 2.81%
Details

Balance: $100,000.00 and over; Compounded/Credited: Monthly

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.35% ▲ 0.65 pts · high 4.35% / low 3.70%
3.05%4.03%5.00%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.35% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.35%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1075 Acoma St, Denver, CO 80204 4326
Certificate of Deposit - 48 Months
$0
4.35% ▲ 1.36% above Colorado avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.99%▲ 1.36% above avgNationally 2.81%
Details

Balance: $100,000.00 and over; Compounded/Credited: Monthly

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.35% ▲ 0.65 pts · high 4.35% / low 3.70%
3.05%4.03%5.00%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.35% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.35%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
1099 18th St, Denver, CO 80202
Fixed-rate Certificate of Deposit - 48 months
$50,000
4.31% ▲ 1.32% above Colorado avg
View
▼
Rate4.31%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average2.99%▲ 1.32% above avgNationally 2.81%
Details

Interest paid quarterly via ACH; withdrawal before maturity not permitted; Rates current as of October 1, 2026

Rate History
No change since Oct 20, 2026 · 4.31% APY · checked 2 times
3.81%4.31%4.81%Oct 20, 2026: 4.31% APYOct 20, 2026Oct 25, 2026
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
816 Washington Ave, Golden, CO 80401
48 Month Certificate
$0
4.30% ▲ 1.31% above Colorado avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.99%▲ 1.31% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 14, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
3.60%4.20%4.80%Sep 14, 2026: 4.10% APYOct 9, 2026: 4.20% APYOct 19, 2026: 4.30% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.30%▲ from 4.20%
  • 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%
816 Washington Ave, Golden, CO 80401
JUMBO Certificate - 48 Months
$100,000
4.30% ▲ 1.31% above Colorado avg
View
▼
Rate4.22%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.99%▲ 1.31% above avgNationally 2.81%
Details

Effective: October 1, 2026

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
3.70%4.25%4.80%Sep 14, 2026: 4.20% APYOct 9, 2026: 4.30% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.30%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
816 Washington Ave, Golden, CO 80401
48 Month Term Certificates
$500
4.20% ▲ 1.21% above Colorado avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.99%▲ 1.21% above avgNationally 2.81%
Details

Effective: October 1, 2026; Minimum balance required to earn stated rate - $500.00; Early withdrawal penalties apply; Dividend withdrawal allowed; Additional deposits not permitted

Rate History
No change since Oct 13, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 13, 2026: 4.20% APYOct 13, 2026Oct 25, 2026
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
816 Washington Ave, Golden, CO 80401
Traditional IRA, Roth IRA and SEP IRA - 48 Months
$500
4.20% ▲ 1.21% above Colorado avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.99%▲ 1.21% above avgNationally 2.81%
Details

Dividends compounded monthly, credited monthly; Early withdrawal penalties apply; IRA restrictions apply

Rate History
No change since Oct 19, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 19, 2026: 4.20% APYOct 19, 2026Oct 25, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO 80017
Bonus Certificate - 48 Month
$0
4.12% ▲ 1.13% above Colorado avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average2.99%▲ 1.13% above avgNationally 2.81%
Details

Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 4.12% APY
3.62%4.12%4.62%Oct 23, 2026: 4.12% APYOct 23, 2026Oct 25, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO 80017
Bonus IRA Certificates - 48 Month
$0
4.12% ▲ 1.13% above Colorado avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average2.99%▲ 1.13% above avgNationally 2.81%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed

Rate History
3 changes since Sep 14, 2026 · 3.91% → 4.12% ▲ 0.21 pts · high 4.12% / low 3.91%
3.41%4.02%4.62%Sep 14, 2026: 3.91% APYSep 25, 2026: 3.97% APYOct 15, 2026: 4.07% APYOct 23, 2026: 4.12% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20264.12%▲ from 4.07%
  • Oct 15, 20264.07%▲ 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%
2380 E Bridge St, Brighton, CO 80601
48 Month CD
$0
4.10% ▲ 1.11% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.99%▲ 1.11% above avgNationally 2.81%
Details

Balance: $100,000 +

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 14, 2026: 3.85% APYOct 19, 2026: 4.10% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.10%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1075 Acoma St, Denver, CO 80204 4326
48 Month Certificates of Deposit (CD)
$0
4.10% ▲ 1.11% above Colorado avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.99%▲ 1.11% above avgNationally 2.81%
Details

Balance: $100.00 and over; Compounded/Credited: Monthly

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1075 Acoma St, Denver, CO 80204 4326
Certificate of Deposit - 48 Months
$0
4.10% ▲ 1.11% above Colorado avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.99%▲ 1.11% above avgNationally 2.81%
Details

Balance: $100.00 and over; Compounded/Credited: Monthly

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2380 E Bridge St, Brighton, CO 80601
48 Month CD
$0
4.00% ▲ 1.01% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.99%▲ 1.01% above avgNationally 2.81%
Details

Balance: $500-$99,999.99

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 19, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO 80017
48 Month Certificate
$0
3.97% ▲ 0.98% above Colorado avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average2.99%▲ 0.98% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 14, 2026 · 3.76% → 3.97% ▲ 0.21 pts · high 3.97% / low 3.76%
3.26%3.87%4.47%Sep 14, 2026: 3.76% APYOct 5, 2026: 3.81% APYOct 23, 2026: 3.97% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20263.97%▲ from 3.81%
  • Oct 5, 20263.81%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO 80017
IRA Certificate 48 Month
$0
3.97% ▲ 0.98% above Colorado avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average2.99%▲ 0.98% above avgNationally 2.81%
Details

Minimum daily balance to earn APY: $2,000; Effective as of Friday, October 23rd, 2026; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 3.97% APY
3.47%3.97%4.47%Oct 23, 2026: 3.97% APYOct 23, 2026Oct 25, 2026
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
6221 Sheridan Blvd, Arvada, CO 80003
Consumer and Business Regular and IRA Certificates of Deposit (CDs) - 48 Months
$500
3.95% ▲ 0.96% above Colorado avg
View
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.99%▲ 0.96% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 13, 2026: 3.95% APYOct 13, 2026Oct 25, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3033 E 1st Ave, Denver, CO 80206
Certificates of Deposit - 48 Month
$0
3.80% ▲ 0.81% above Colorado avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average2.99%▲ 0.81% above avgNationally 2.81%
Details

Balance: $1,000 or more

Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 14, 2026: 3.80% APYOct 14, 2026Oct 25, 2026
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
101 S 6th St, Dolores, CO 81323
Jumbo Certificates of Deposit & Greater - 4 Year
$0
3.70% ▲ 0.71% above Colorado avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average2.99%▲ 0.71% above avgNationally 2.81%
Details

$100,000; 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 20, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 20, 2026: 3.70% APYOct 20, 2026Oct 25, 2026
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
4902 E Dry Creek Rd, Centennial, CO 80122
4 Year Jumbo IRA Share Certificate
$0
3.65% ▲ 0.66% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average2.99%▲ 0.66% above avgNationally 2.81%
Details

Minimum balance to earn dividends

Rate History
No change since Oct 5, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 5, 2026: 3.65% APYOct 5, 2026Oct 25, 2026
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
4902 E Dry Creek Rd, Centennial, CO 80122
4 Year Jumbo Share Certificate
$0
3.65% ▲ 0.66% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average2.99%▲ 0.66% above avgNationally 2.81%
Details

Minimum balance to earn dividends

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 14, 2026: 3.50% APYSep 25, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
  • Sep 25, 20263.65%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
4902 E Dry Creek Rd, Centennial, CO 80122
Jumbo Share Certificate - 4 Years
$0
3.65% ▲ 0.66% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average2.99%▲ 0.66% above avgNationally 2.81%
Details

Minimum balance to earn dividends: $100,000.00

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 14, 2026: 3.50% APYSep 25, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
  • Sep 25, 20263.65%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 10.44%
1010 Johnson Rd Ste 120, Golden, CO 80401 6041
48 Month Baby-Jumbo Certificate
$50,000
3.60% ▲ 0.61% above Colorado avg
View
▼
Rate3.55%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.99%▲ 0.61% above avgNationally 2.81%
Details

Baby-Jumbo Certificate Account; Early withdrawal penalties may apply and may reduce earnings

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 8 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 25, 2026
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 10.44%
1010 Johnson Rd Ste 120, Golden, CO 80401 6041
48 Month Certificate
$500
3.60% ▲ 0.61% above Colorado avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.99%▲ 0.61% above avgNationally 2.81%
Details

Early withdrawal penalties may apply and may reduce earnings

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 8 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 25, 2026
Equitable Savings and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
221 N 3rd St, Sterling, CO 80751
IRA Fixed - 48 MONTH IRA
$2,000
3.56% ▲ 0.57% above Colorado avg
View
▼
Rate3.50%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average2.99%▲ 0.57% above avgNationally 2.81%
Details

Penalty: 3 MO+

Rate History
No change since Oct 21, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 21, 2026: 3.56% APYOct 21, 2026Oct 25, 2026
Aurora Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.93%
15151 E Alameda Pkwy, Aurora, CO 80012
IRA 48 Month CD
$0
3.55% ▲ 0.56% above Colorado avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average2.99%▲ 0.56% above avgNationally 2.81%
Details

Individual Retirement Accounts; 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 9 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 25, 2026
Aurora Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.93%
15151 E Alameda Pkwy, Aurora, CO 80012
Super Jumbo Certificates - 48 Month
$0
3.55% ▲ 0.56% above Colorado avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average2.99%▲ 0.56% above avgNationally 2.81%
Details

Super Jumbo Certificates - $50,000 minimum; Penalty may be imposed for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 25, 2026
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
8250 Razorback Rd, Colorado Springs, CO 80920
48 Month Certificate of Deposit
$500
3.51% ▲ 0.52% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average2.99%▲ 0.52% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.03% → 3.51% ▲ 0.48 pts · high 3.51% / low 3.03%
2.53%3.27%4.01%Sep 18, 2026: 3.03% APYOct 2, 2026: 3.51% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20263.51%▲ from 3.03%
  • Sep 18, 20263.03%first recorded
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
22 Town Plz, Durango, CO 81301 5104
48 Month Term Certificate
$500
3.51% ▲ 0.52% above Colorado avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average2.99%▲ 0.52% above avgNationally 2.81%
Details

Standard Term Certificate; available to personal and business members

Rate History
No change since Oct 8, 2026 · 3.51% APY · checked 2 times
3.01%3.51%4.01%Oct 8, 2026: 3.51% APYOct 8, 2026Oct 25, 2026
Aurora Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.93%
15151 E Alameda Pkwy, Aurora, CO 80012
48 Month Jumbo Certificates
$0
3.50% ▲ 0.51% above Colorado avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average2.99%▲ 0.51% above avgNationally 2.81%
Details

Dividend Rate 3.45%; APY 3.50%

Rate History
No change since Oct 15, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 15, 2026: 3.50% APYOct 15, 2026Oct 25, 2026
First Technology Federal Credit Union 2720 Council Tree Ave Ste 188, Fort Collins, CO 80525
Traditional Share Certificates - 48-Month
$100,000
3.50% ▲ 0.51% above Colorado avg
View
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average2.99%▲ 0.51% above avgNationally 2.81%
Details

Balance: $100,000.00 and over

Rate History
No change since Oct 22, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 25, 2026
First Technology Federal Credit Union 2720 Council Tree Ave Ste 188, Fort Collins, CO 80525
IRA Certificates - 48-Month
$100,000
3.50% ▲ 0.51% above Colorado avg
View
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average2.99%▲ 0.51% above avgNationally 2.81%
Details

Balance: 100,000.00 and over

Rate History
No change since Oct 22, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 25, 2026
Meritrust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
5505 Arapahoe Ave, Boulder, CO 80303
48 Month Share and IRA Certificates
$500
3.50% ▲ 0.51% above Colorado avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.99%▲ 0.51% above avgNationally 2.81%
Details

Dividend Rate 3.45%; $500 min

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
Options Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.43%
5935 S Zang St, Littleton, CO 80127
48 Month Certificates (CD)
$500
3.50% ▲ 0.51% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.99%▲ 0.51% above avgNationally 2.81%
Details

Premier membership; Penalty: 180 days interest; Compounds monthly

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
4902 E Dry Creek Rd, Centennial, CO 80122
4 Year Regular IRA Share Certificate
$0
3.45% ▲ 0.46% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average2.99%▲ 0.46% above avgNationally 2.81%
Details

Balance: $1,000.00-$99,999.99

Rate History
No change since Oct 9, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Oct 9, 2026: 3.45% APYOct 9, 2026Oct 25, 2026
Aurora Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.93%
15151 E Alameda Pkwy, Aurora, CO 80012
Term Certificate - 48 Month
$500
3.45% ▲ 0.46% above Colorado avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average2.99%▲ 0.46% above avgNationally 2.81%
Details

Term Certificates - $500 Minimum; Penalty may be imposed for early withdrawal

Rate History
No change since Oct 13, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Oct 13, 2026: 3.45% APYOct 13, 2026Oct 25, 2026
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
9305 W ALAMEDA AVE, LAKEWOOD, CO 80226
Certificates - Traditional - 48 Month
$0
3.45% ▲ 0.46% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.99%▲ 0.46% above avgNationally 2.81%
Details

Rate History
No change since Oct 19, 2026 · 3.45% APY
2.95%3.45%3.95%Oct 19, 2026: 3.45% APYOct 19, 2026Oct 25, 2026
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
9305 W ALAMEDA AVE, LAKEWOOD, CO 80226
Traditional IRA 48 Month Certificate
$0
3.45% ▲ 0.46% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.99%▲ 0.46% above avgNationally 2.81%
Details

Balance: $1,000 and over; Tiers & Certificates compound monthly; Individual Retirement Account Traditional-Roth-Coverdell ESA Rates

Rate History
No change since Oct 13, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Oct 13, 2026: 3.45% APYOct 13, 2026Oct 25, 2026
Canvas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
1113 S Abilene Ct, Aurora, CO 80012
48-Month CD
$1,000
3.45% ▲ 0.46% above Colorado avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average2.99%▲ 0.46% above avgNationally 2.81%
Details

Rate History
No change since Oct 22, 2026 · 3.45% APY
2.95%3.45%3.95%Oct 22, 2026: 3.45% APYOct 22, 2026Oct 25, 2026
Canvas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
1113 S Abilene Ct, Aurora, CO 80012
48-Month Family HSA CD
$1,000
3.45% ▲ 0.46% above Colorado avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average2.99%▲ 0.46% above avgNationally 2.81%
Details

Health Savings Account CD - family

Rate History
No change since Oct 22, 2026 · 3.45% APY
2.95%3.45%3.95%Oct 22, 2026: 3.45% APYOct 22, 2026Oct 25, 2026
Canvas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
1113 S Abilene Ct, Aurora, CO 80012
48-Month IRA CD
$2,500
3.45% ▲ 0.46% above Colorado avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average2.99%▲ 0.46% above avgNationally 2.81%
Details

IRA certificate; interest compounded and credited quarterly

Rate History
No change since Oct 22, 2026 · 3.45% APY
2.95%3.45%3.95%Oct 22, 2026: 3.45% APYOct 22, 2026Oct 25, 2026
Canvas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
1113 S Abilene Ct, Aurora, CO 80012
48-Month Single HSA CD
$1,000
3.45% ▲ 0.46% above Colorado avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average2.99%▲ 0.46% above avgNationally 2.81%
Details

Health Savings Account CD - single

Rate History
No change since Oct 22, 2026 · 3.45% APY
2.95%3.45%3.95%Oct 22, 2026: 3.45% APYOct 22, 2026Oct 25, 2026
Holyoke Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
101 W Denver St, Holyoke, CO 80734 1427
CD - 48 month
$50,000
3.44% ▲ 0.45% above Colorado avg
View
▼
Rate3.40%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average2.99%▲ 0.45% above avgNationally 2.81%
Details

Rate History
1 change since Sep 25, 2026 · 3.14% → 3.44% ▲ 0.31 pts · high 3.44% / low 3.14%
2.64%3.29%3.94%Sep 25, 2026: 3.14% APYOct 4, 2026: 3.44% APYSep 25, 2026Oct 25, 2026
  • 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%
101 S 6th St, Dolores, CO 81323
Certificates of Deposit - 4 Year
$1,000
3.44% ▲ 0.45% above Colorado avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average2.99%▲ 0.45% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 3.44% APY · checked 3 times
2.94%3.44%3.94%Oct 14, 2026: 3.44% APYOct 14, 2026Oct 25, 2026
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
600 S Lincoln Ave, Steamboat Springs, CO 80487
IRAs (Roth & Traditional) - Fixed Rate - 48 months
$100
3.40% ▲ 0.41% above Colorado avg
View
▼
Rate3.34%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average2.99%▲ 0.41% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 2.60% → 3.40% ▲ 0.80 pts · high 3.40% / low 2.60%
1.80%3.00%4.20%Sep 14, 2026: 2.60% APYOct 21, 2026: 3.40% APYSep 14, 2026Oct 25, 2026
  • Oct 21, 20263.40%▲ from 2.60%
  • Sep 14, 20262.60%first recorded
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
600 S Lincoln Ave, Steamboat Springs, CO 80487
IRAs (Roth & Traditional) - Fixed Rate 48 Month
$100
3.40% ▲ 0.41% above Colorado avg
View
▼
Rate3.34%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average2.99%▲ 0.41% above avgNationally 2.81%
Details

Minimum of $100 to open

Rate History
1 change since Sep 14, 2026 · 2.60% → 3.40% ▲ 0.80 pts · high 3.40% / low 2.60%
1.80%3.00%4.20%Sep 14, 2026: 2.60% APYOct 21, 2026: 3.40% APYSep 14, 2026Oct 25, 2026
  • Oct 21, 20263.40%▲ from 2.60%
  • Sep 14, 20262.60%first recorded
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
600 S Lincoln Ave, Steamboat Springs, CO 80487
Time Certificates - 48 months
$1,000
3.40% ▲ 0.41% above Colorado avg
View
▼
Rate3.34%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average2.99%▲ 0.41% above avgNationally 2.81%
Details

Minimum of $1,000 to open

Rate History
No change since Oct 21, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 21, 2026: 3.40% APYOct 21, 2026Oct 25, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
1275 Tremont Pl, Denver, CO 80204 2118
4 Year Traditional Certificate of Deposit (CD)
$0
3.40% ▲ 0.41% above Colorado avg
View
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.99%▲ 0.41% above avgNationally 2.81%
Details

Deposits over $25,000; Account Balance $100,000

Rate History
No change since Oct 13, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 25, 2026
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
6980 S Holly Cir, Centennial, CO 80112 1018
48 Month Certificate of Deposit
$100,000
3.40% ▲ 0.41% above Colorado avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.99%▲ 0.41% above avgNationally 2.81%
Details

Balance: $100,000 and over; opening balance and minimum balance requirements are the same; early withdrawal penalty: 180 days interest (12 month terms or greater)

Rate History
No change since Oct 13, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 25, 2026
Holyoke Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
101 W Denver St, Holyoke, CO 80734 1427
CD - 48 month
$10,000
3.39% ▲ 0.40% above Colorado avg
View
▼
Rate3.35%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average2.99%▲ 0.40% above avgNationally 2.81%
Details

Rate History
1 change since Sep 25, 2026 · 3.09% → 3.39% ▲ 0.31 pts · high 3.39% / low 3.09%
2.59%3.24%3.89%Sep 25, 2026: 3.09% APYOct 4, 2026: 3.39% APYSep 25, 2026Oct 25, 2026
  • Oct 4, 20263.39%▲ from 3.09%
  • Sep 25, 20263.09%first recorded

Colorado 60 Month CD Rates

MonitorBankRates Colorado Average · 60 Month CD3.14% APY▼ 0.02% from last weekNational 2.92%
View 60-month CD rate trend

The average 60-month CD rate in Colorado is 3.14% APY, compared with 2.92% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
5Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
104 S Cascade Ave, Colorado Springs, CO 80903
60 Month Variable IRA
$250
5.11% ▲ 1.97% above Colorado avg
View
▼
Rate4.99%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.14%▲ 1.97% above avgNationally 2.92%
Details

Variable IRA rate; indexed to Treasury securities

Rate History
1 change since Sep 14, 2026 · 4.57% → 5.11% ▲ 0.54 pts · high 5.11% / low 4.57%
4.03%4.84%5.65%Sep 14, 2026: 4.57% APYOct 11, 2026: 5.11% APYSep 14, 2026Oct 25, 2026
  • Oct 11, 20265.11%▲ from 4.57%
  • Sep 14, 20264.57%first recorded
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
816 Washington Ave, Golden, CO 80401
60 Month Certificate
$0
4.45% ▲ 1.31% above Colorado avg
View
▼
Rate4.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.14%▲ 1.31% above avgNationally 2.92%
Details

Rate History
2 changes since Sep 14, 2026 · 4.25% → 4.45% ▲ 0.20 pts · high 4.45% / low 4.25%
3.75%4.35%4.95%Sep 14, 2026: 4.25% APYOct 9, 2026: 4.35% APYOct 19, 2026: 4.45% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.45%▲ from 4.35%
  • 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%
816 Washington Ave, Golden, CO 80401
JUMBO Certificate - 60 Months
$100,000
4.45% ▲ 1.31% above Colorado avg
View
▼
Rate4.36%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.14%▲ 1.31% above avgNationally 2.92%
Details

Effective: October 1, 2026

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.45% ▲ 0.10 pts · high 4.45% / low 4.35%
3.85%4.40%4.95%Sep 14, 2026: 4.35% APYOct 9, 2026: 4.45% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 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%
1075 Acoma St, Denver, CO 80204 4326
60 Month Certificates of Deposit (CD)
$0
4.40% ▲ 1.26% above Colorado avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.14%▲ 1.26% above avgNationally 2.92%
Details

Balance: $100,000.00 and over; Compounded/Credited: Monthly

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.40% ▲ 0.70 pts · high 4.40% / low 3.70%
3.00%4.05%5.10%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.40% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.40%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1075 Acoma St, Denver, CO 80204 4326
Certificate of Deposit - 60 Months
$0
4.40% ▲ 1.26% above Colorado avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.14%▲ 1.26% above avgNationally 2.92%
Details

Balance: $100,000.00 and over; Compounded/Credited: Monthly

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.40% ▲ 0.70 pts · high 4.40% / low 3.70%
3.00%4.05%5.10%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.40% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.40%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
303 N Main St, Gunnison, CO 81230
Certificate of Deposit - 5 Years
$500
4.35% ▲ 1.21% above Colorado avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average3.14%▲ 1.21% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 4.09% → 4.35% ▲ 0.26 pts · high 4.35% / low 4.09%
3.59%4.22%4.85%Sep 14, 2026: 4.09% APYSep 24, 2026: 4.35% APYSep 14, 2026Oct 25, 2026
  • 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%
303 N Main St, Gunnison, CO 81230
IRA 5 Years
$500
4.35% ▲ 1.21% above Colorado avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average3.14%▲ 1.21% above avgNationally 2.92%
Details

Individual Retirement Account

Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Oct 7, 2026: 4.35% APYOct 7, 2026Oct 25, 2026
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
816 Washington Ave, Golden, CO 80401
60 Month Term Certificates
$500
4.35% ▲ 1.21% above Colorado avg
View
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.14%▲ 1.21% above avgNationally 2.92%
Details

Effective: October 1, 2026; Minimum balance required to earn stated rate - $500.00; Early withdrawal penalties apply; Dividend withdrawal allowed; Additional deposits not permitted

Rate History
No change since Oct 13, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 13, 2026: 4.35% APYOct 13, 2026Oct 25, 2026
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
816 Washington Ave, Golden, CO 80401
Traditional IRA, Roth IRA and SEP IRA - 60 Months
$500
4.35% ▲ 1.21% above Colorado avg
View
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.14%▲ 1.21% above avgNationally 2.92%
Details

Dividends compounded monthly, credited monthly; Early withdrawal penalties apply; IRA restrictions apply

Rate History
No change since Oct 19, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 19, 2026: 4.35% APYOct 19, 2026Oct 25, 2026
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1075 Acoma St, Denver, CO 80204 4326
60 Month Certificates of Deposit (CD)
$0
4.15% ▲ 1.01% above Colorado avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.14%▲ 1.01% above avgNationally 2.92%
Details

Balance: $100.00 and over; Compounded/Credited: Monthly

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.15% ▲ 0.45 pts · high 4.15% / low 3.70%
3.20%3.93%4.65%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.15% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.15%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1075 Acoma St, Denver, CO 80204 4326
Certificate of Deposit - 60 Months
$0
4.15% ▲ 1.01% above Colorado avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.14%▲ 1.01% above avgNationally 2.92%
Details

Balance: $100.00 and over; Compounded/Credited: Monthly

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.15% ▲ 0.45 pts · high 4.15% / low 3.70%
3.20%3.93%4.65%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.15% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.15%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Wings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
7250 Campus Dr, Colorado Springs, CO 80920 6517
60 Month Certificate
$0
4.15% ▲ 1.01% above Colorado avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.14%▲ 1.01% above avgNationally 2.92%
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 25, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO 80017
Bonus Certificate - 60 Month
$0
4.12% ▲ 0.98% above Colorado avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.14%▲ 0.98% above avgNationally 2.92%
Details

Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 4.12% APY
3.62%4.12%4.62%Oct 23, 2026: 4.12% APYOct 23, 2026Oct 25, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO 80017
Bonus IRA Certificates - 60 Month
$0
4.12% ▲ 0.98% above Colorado avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.14%▲ 0.98% above avgNationally 2.92%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed

Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.12% ▲ 0.12 pts · high 4.12% / low 4.00%
3.50%4.06%4.62%Sep 14, 2026: 4.00% APYOct 15, 2026: 4.07% APYOct 23, 2026: 4.12% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20264.12%▲ from 4.07%
  • Oct 15, 20264.07%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Options Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.43%
5935 S Zang St, Littleton, CO 80127
60 Month Certificates (CD)
$500
4.10% ▲ 0.96% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.14%▲ 0.96% above avgNationally 2.92%
Details

Premier membership; Penalty: 180 days interest; Compounds monthly

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 5 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 25, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
60 Month Business CD
$0
4.10% ▲ 0.96% above Colorado avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.14%▲ 0.96% above avgNationally 2.92%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 9 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 25, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
60 Month HSA CD
$0
4.10% ▲ 0.96% above Colorado avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.14%▲ 0.96% above avgNationally 2.92%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 9 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 25, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
60 Month Traditional CD
$0
4.10% ▲ 0.96% above Colorado avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.14%▲ 0.96% above avgNationally 2.92%
Details

Balance: $500 minimum to earn APY

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 9 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 25, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
7600 E Orchard Rd, Greenwood Village, CO 80111
Traditional CD - 60 Months
$0
4.10% ▲ 0.96% above Colorado avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.14%▲ 0.96% above avgNationally 2.92%
Details

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 25, 2026
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2380 E Bridge St, Brighton, CO 80601
60 Month CD
$0
4.10% ▲ 0.96% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.14%▲ 0.96% above avgNationally 2.92%
Details

Balance: $100,000 +

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 14, 2026: 3.85% APYOct 19, 2026: 4.10% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.10%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
8400 E Prentice Ave, Greenwood Village, CO 80111
60 Month CD
$0
4.05% ▲ 0.91% above Colorado avg
View
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.14%▲ 0.91% above avgNationally 2.92%
Details

Early Withdrawal Penalty: 6 Months of Interest

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95%
3.45%4.00%4.55%Sep 14, 2026: 3.95% APYOct 20, 2026: 4.05% APYSep 14, 2026Oct 25, 2026
  • Oct 20, 20264.05%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
6221 Sheridan Blvd, Arvada, CO 80003
Consumer and Business Regular and IRA Certificates of Deposit (CDs) - 60 Months
$500
4.05% ▲ 0.91% above Colorado avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.14%▲ 0.91% above avgNationally 2.92%
Details

Rate History
No change since Oct 13, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 13, 2026: 4.05% APYOct 13, 2026Oct 25, 2026
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
1601 Wewatta St Ste 300, Denver, CO 80202 6478
60-Month Certificate
$1,000
4.05% ▲ 0.91% above Colorado avg
View
▼
Rate3.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.14%▲ 0.91% above avgNationally 2.92%
Details

Balance: $1,000; Dividend Rate 3.970%; IRA options available; Penalty may apply for early withdrawal; Consumer accounts only

Rate History
1 change since Sep 18, 2026 · 3.15% → 4.05% ▲ 0.90 pts · high 4.05% / low 3.15%
2.25%3.60%4.95%Sep 18, 2026: 3.15% APYOct 14, 2026: 4.05% APYSep 18, 2026Oct 25, 2026
  • 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%
12 Lakeside Ln, Denver, CO 80212 7413
60 Month Share Certificate
$500
4.00% ▲ 0.86% above Colorado avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.14%▲ 0.86% above avgNationally 2.92%
Details

Effective as of 10/05/2026; $500 minimum balance requirement; subject to early withdrawal penalty

Rate History
No change since Oct 23, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 23, 2026: 4.00% APYOct 23, 2026Oct 25, 2026
Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
12 Lakeside Ln, Denver, CO 80212 7413
Share/IRA/HSA Certificates - 60 month
$500
4.00% ▲ 0.86% above Colorado avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.14%▲ 0.86% above avgNationally 2.92%
Details

Effective as of: 10/05/2026; Minimum $500 Minimum; subject to early withdrawal penalty

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 25, 2026
Weld Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
2555 47th Ave, Greeley, CO 80634 3722
Regular and IRA Certificates of Deposit - 60 Month Term
$500
4.00% ▲ 0.86% above Colorado avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.14%▲ 0.86% above avgNationally 2.92%
Details

Maximum total CD Deposit: $500,000 per person

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
Weld Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
2555 47th Ave, Greeley, CO 80634 3722
Youth Certificates of Deposit - 60 Month Term
$100
4.00% ▲ 0.86% above Colorado avg
View
▼
Rate3.92%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.14%▲ 0.86% above avgNationally 2.92%
Details

Maximum total CD Deposit: $500,000 per person

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2380 E Bridge St, Brighton, CO 80601
60 Month CD
$0
4.00% ▲ 0.86% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.14%▲ 0.86% above avgNationally 2.92%
Details

Balance: $500-$99,999.99

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 19, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO 80017
60 Month Certificate
$0
3.97% ▲ 0.83% above Colorado avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.14%▲ 0.83% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.84% → 3.97% ▲ 0.13 pts · high 3.97% / low 3.84%
3.34%3.91%4.47%Sep 14, 2026: 3.84% APYOct 23, 2026: 3.97% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20263.97%▲ from 3.84%
  • Sep 14, 20263.84%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO 80017
IRA Certificate 60 Month
$0
3.97% ▲ 0.83% above Colorado avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.14%▲ 0.83% above avgNationally 2.92%
Details

Minimum daily balance to earn APY: $2,000; Effective as of Friday, October 23rd, 2026; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 3.97% APY
3.47%3.97%4.47%Oct 23, 2026: 3.97% APYOct 23, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO 80017
5 Year Long-Term Certificate
$0
3.90% ▲ 0.76% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.14%▲ 0.76% above avgNationally 2.92%
Details

Balance tier: $100K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 20, 2026: 3.90% APYOct 20, 2026Oct 25, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3033 E 1st Ave, Denver, CO 80206
Certificates of Deposit - 60 Month
$0
3.90% ▲ 0.76% above Colorado avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.14%▲ 0.76% above avgNationally 2.92%
Details

Balance: $1,000 or more

Rate History
No change since Oct 14, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 14, 2026: 3.90% APYOct 14, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO 80017
5 Year Long-Term Certificate
$0
3.85% ▲ 0.71% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.14%▲ 0.71% above avgNationally 2.92%
Details

Balance tier: $1K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 20, 2026: 3.85% APYOct 20, 2026Oct 25, 2026
Options Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.43%
5935 S Zang St, Littleton, CO 80127
60 Month Certificates (CD)
$500
3.85% ▲ 0.71% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.14%▲ 0.71% above avgNationally 2.92%
Details

Advantage membership; Penalty: 180 days interest; Compounds monthly

Rate History
1 change since Sep 14, 2026 · 4.10% → 3.85% ▼ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 14, 2026: 4.10% APYSep 22, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
  • Sep 22, 20263.85%▼ from 4.10%
  • Sep 14, 20264.10%first recorded
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
101 S 6th St, Dolores, CO 81323
Jumbo Certificates of Deposit & Greater - 5 Year
$0
3.70% ▲ 0.56% above Colorado avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average3.14%▲ 0.56% above avgNationally 2.92%
Details

$100,000; 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 20, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 20, 2026: 3.70% APYOct 20, 2026Oct 25, 2026
Equitable Savings and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
221 N 3rd St, Sterling, CO 80751
IRA Fixed - 60 MONTH IRA
$2,000
3.67% ▲ 0.53% above Colorado avg
View
▼
Rate3.60%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average3.14%▲ 0.53% above avgNationally 2.92%
Details

Penalty: 3 MO+

Rate History
No change since Oct 21, 2026 · 3.67% APY
3.17%3.67%4.17%Oct 21, 2026: 3.67% APYOct 21, 2026Oct 25, 2026
Fidelis Catholic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
6320 Wadsworth Blvd, Arvada, CO 80003 4838
60 Month Share Certificate
$0
3.65% ▲ 0.51% above Colorado avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.14%▲ 0.51% above avgNationally 2.92%
Details

Compounded: Monthly

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 9 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
4902 E Dry Creek Rd, Centennial, CO 80122
5 Year Jumbo IRA Share Certificate
$0
3.65% ▲ 0.51% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.14%▲ 0.51% above avgNationally 2.92%
Details

Minimum balance to earn dividends

Rate History
No change since Oct 5, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 5, 2026: 3.65% APYOct 5, 2026Oct 25, 2026
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
4902 E Dry Creek Rd, Centennial, CO 80122
5 Year Jumbo Share Certificate
$0
3.65% ▲ 0.51% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.14%▲ 0.51% above avgNationally 2.92%
Details

Minimum balance to earn dividends

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 14, 2026: 3.50% APYSep 25, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
  • Sep 25, 20263.65%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
4902 E Dry Creek Rd, Centennial, CO 80122
Jumbo Share Certificate - 5 Years
$0
3.65% ▲ 0.51% above Colorado avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.14%▲ 0.51% above avgNationally 2.92%
Details

Minimum balance to earn dividends: $100,000.00

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 14, 2026: 3.50% APYSep 25, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
  • Sep 25, 20263.65%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Options Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.43%
5935 S Zang St, Littleton, CO 80127
60 Month Certificates (CD)
$500
3.60% ▲ 0.46% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.14%▲ 0.46% above avgNationally 2.92%
Details

Core; Penalty: 180 days interest; Compounds monthly

Rate History
1 change since Sep 14, 2026 · 4.10% → 3.60% ▼ 0.50 pts · high 4.10% / low 3.60%
3.10%3.85%4.60%Sep 14, 2026: 4.10% APYSep 22, 2026: 3.60% APYSep 14, 2026Oct 25, 2026
  • Sep 22, 20263.60%▼ from 4.10%
  • Sep 14, 20264.10%first recorded
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 10.44%
1010 Johnson Rd Ste 120, Golden, CO 80401 6041
60 Month Baby-Jumbo Certificate
$50,000
3.60% ▲ 0.46% above Colorado avg
View
▼
Rate3.55%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.14%▲ 0.46% above avgNationally 2.92%
Details

Baby-Jumbo Certificate Account; Early withdrawal penalties may apply and may reduce earnings

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 8 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 25, 2026
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 10.44%
1010 Johnson Rd Ste 120, Golden, CO 80401 6041
60 Month Certificate
$500
3.60% ▲ 0.46% above Colorado avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.14%▲ 0.46% above avgNationally 2.92%
Details

Early withdrawal penalties may apply and may reduce earnings

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 8 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 25, 2026
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
22 Town Plz, Durango, CO 81301 5104
60 Month Term Certificate
$500
3.56% ▲ 0.42% above Colorado avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.14%▲ 0.42% above avgNationally 2.92%
Details

Standard Term Certificate; available to personal and business members

Rate History
No change since Oct 8, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 8, 2026: 3.56% APYOct 8, 2026Oct 25, 2026
Aurora Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.93%
15151 E Alameda Pkwy, Aurora, CO 80012
IRA 60 Month CD
$0
3.55% ▲ 0.41% above Colorado avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.14%▲ 0.41% above avgNationally 2.92%
Details

Individual Retirement Accounts; 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 9 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 25, 2026
Aurora Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.93%
15151 E Alameda Pkwy, Aurora, CO 80012
Super Jumbo Certificates - 60 Month
$0
3.55% ▲ 0.41% above Colorado avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.14%▲ 0.41% above avgNationally 2.92%
Details

Super Jumbo Certificates - $50,000 minimum; Penalty may be imposed for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 25, 2026
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
8250 Razorback Rd, Colorado Springs, CO 80920
60 Month Certificate of Deposit
$500
3.51% ▲ 0.37% above Colorado avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.14%▲ 0.37% above avgNationally 2.92%
Details

Rate History
1 change since Sep 18, 2026 · 3.03% → 3.51% ▲ 0.48 pts · high 3.51% / low 3.03%
2.53%3.27%4.01%Sep 18, 2026: 3.03% APYOct 2, 2026: 3.51% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20263.51%▲ from 3.03%
  • Sep 18, 20263.03%first recorded
Air Academy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
9810 N Union Blvd, Colorado Springs, CO 80924 5002
54 - 60 Month Certificate
$0
3.51% ▲ 0.37% above Colorado avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.14%▲ 0.37% above avgNationally 2.92%
Details

Rate History
No change since Oct 8, 2026 · 3.51% APY · checked 2 times
3.01%3.51%4.01%Oct 8, 2026: 3.51% APYOct 8, 2026Oct 25, 2026
Air Academy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
9810 N Union Blvd, Colorado Springs, CO 80924 5002
54 - 60 Month IRA Certificates
$0
3.51% ▲ 0.37% above Colorado avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.14%▲ 0.37% above avgNationally 2.92%
Details

Effective as of 10/23/2026

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.51% ▲ 0.26 pts · high 3.51% / low 3.25%
2.75%3.38%4.01%Sep 14, 2026: 3.25% APYOct 4, 2026: 3.51% APYSep 14, 2026Oct 25, 2026
  • Oct 4, 20263.51%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Air Academy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
9810 N Union Blvd, Colorado Springs, CO 80924 5002
Certificate - 54-60 months
$0
3.51% ▲ 0.37% above Colorado avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Colorado Average3.14%▲ 0.37% above avgNationally 2.92%
Details

Effective as of 10/23/2026

Rate History
No change since Oct 15, 2026 · 3.51% APY · checked 2 times
3.01%3.51%4.01%Oct 15, 2026: 3.51% APYOct 15, 2026Oct 25, 2026
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

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

Top CD Rates from Colorado Institutions

Highest verified APYs available today, updated October 23, 2026

B Top 5 Bank Rates
5Star Bank
60 Month Variable IRA
A+ 5.0 ★ TX: 2.98%
Min: $250
5.11%
Austin Capital Bank
3 Month Certificate of Deposit
A+ 5.0 ★ TX: 2.96%
Min: $0
4.58%
Bankers Bank of the West
Fixed-rate Certificate of Deposit - 24 months
A 5.0 ★ TX: 6.05%
Min: $50,000
4.55%
Academy Bank
18 Month Certificate of Deposit
A+ 5.0 ★ TX: 5.08%
Min: $500
4.40%
Union Bank and Trust Company
24 Month Certificate of Deposit
A+ 5.0 ★ TX: 2.09%
Min: $1,000
4.40%
CU Top 5 Credit Union Rates
NuVista Federal Credit Union
12 Month DREAM Certificate
A+ 5.0 ★ TX: 0.00%
Min: $100
5.12%
On Tap Credit Union
60 Month Certificate
A 5.0 ★ TX: 9.06%
Min: $0
4.45%
Fellowship Credit Union
12 Month Certificate of Deposit
A 5.0 ★ TX: 6.42%
Min: $500
4.41%
Denver Community Credit Union DBA Zing Credit Union
60 Month Certificates of Deposit (CD)
A+ 5.0 ★ TX: 2.31%
Min: $0
4.40%
Navy Federal Credit Union
12 Month Special EasyStart Certificate
A 5.0 ★ TX: 8.14%
Min: $50
4.35%
Rates verified October 23, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Colorado CD Rate Trends

Compare local Colorado CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full Colorado CD Trends
12-Month CD CO Avg
3.293%
▼ 0.031 vs 7 days ago

Colorado 12-month CD rates fell 0.031 points over the past 7 days to 3.293% APY.

6-Month CD CO Avg
3.206%
▼ 0.026 vs 7 days ago

Colorado 6-month CD rates fell 0.026 points over the past 7 days to 3.206% APY.

As of Oct 25, 2026 • Rate data sourced from 8,500+ monitored institutions

CO CD Rate Forecast, Next 12 Months

Where are Colorado CD rates headed through October 2027?

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

CO 12-Month Avg APY
3.293%
6-Month Forecast
3.293%
Range: 3.09%, 3.44%
12-Month Forecast
3.543%
Range: 3.34%, 3.69%

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

Spread model: The Colorado 12-month CD average currently trades 1.08% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

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

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

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What Your Savings Earn at CO CD Rates Today

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

CD Term CO Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 2.401% $120.07 $240.13 $600.33 $1,200.65
6-Month CD 3.206% $160.29 $320.57 $801.43 $1,602.85
12-Month CD 3.293% $164.67 $329.34 $823.35 $1,646.70
18-Month CD 3.129% $156.45 $312.89 $782.22 $1,564.45
24-Month CD 3.100% $154.98 $309.95 $774.88 $1,549.75
36-Month CD 3.095% $154.74 $309.48 $773.70 $1,547.40
48-Month CD 2.986% $149.30 $298.59 $746.48 $1,492.95
60-Month CD 3.135% $156.77 $313.54 $783.85 $1,567.70
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 23, 2026.
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Sample CD Ladder for Colorado Savers

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

Build Your Ladder
Rung Term Deposit CO Avg APY Annual Earnings
1 3-Month CD $5,000 2.401% $120.07
2 6-Month CD $5,000 3.206% $160.29
3 12-Month CD $5,000 3.293% $164.67
4 24-Month CD $5,000 3.100% $154.98
5 36-Month CD $5,000 3.095% $154.74
Total ($25,000 invested) $25,000 3.019% blended $754.75/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.

Powered byMonitorBankRates
1,057
CD Rates
Tracked in Colorado
37 Banks 54 Credit Unions

About Our Colorado CD Rate Database

MonitorBankRates tracks 1,057 CD rates from 37 banks and 54 credit unions with locations in 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: NuVista Federal Credit Union offers a CD at 5.12% APY with a minimum deposit of $100. Use the rate table above to compare all current offers in Colorado.

How to Find the Best CD Rates in Colorado

What to compare when shopping for a CD in Colorado

To find the best APYs in Colorado, start with credit unions and online-only banks: Colorado has 54 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 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 Colorado: 91 institutions here report CD rates

Consider an Alternative If…

  • You may need the funds within 30 days. Compare 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 Colorado money market rates

Colorado Financial Snapshot

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

Population 65+
15.6%
National avg: 17.3%
Median Individual Earnings
$52,167
National avg: $47,340
Poverty Rate
9.4%
National avg: 11.1%
Unemployment Rate
4.6%
National avg: 4.8%
CD Earnings on 10% of Salary
$172/yr
At CO 12-mo avg 3.293% APY

15.6% of residents are 65 or older, below the national average of 17.3%. At today’s CO 12-month CD average of 3.293%, saving 10% of the local median salary ($5,216/year) and putting it in a CD would earn an additional $172 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 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 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 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 Colorado as everywhere in the U.S.

Choosing a CD Term in 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 Colorado savers easier access to their funds. For example, Bankers Bank of the West is offering its Fixed-rate Certificate of Deposit - 6 months at 4.35% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, 5Star Bank is offering its 60 Month Variable IRA at 5.11% 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 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 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 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 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 Colorado

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

Are CD rates in Colorado FDIC insured?

Yes, most established banks in 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 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 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 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 Colorado?

Here are recent top rates found for this area:
  • NuVista Federal Credit Union: 5.12% APY (12 Month DREAM Certificate)
  • 5Star Bank: 5.11% APY (60 Month Variable IRA)
  • Austin Capital Bank: 4.58% APY (3 Month Certificate of Deposit)
  • Bankers Bank of the West: 4.55% APY (Fixed-rate Certificate of Deposit - 24 months)
  • On Tap Credit Union: 4.45% APY (60 Month Certificate)
  • Fellowship Credit Union: 4.41% APY (12 Month Certificate of Deposit)
  • Academy Bank: 4.40% APY (18 Month Certificate of Deposit)
  • Union Bank and Trust Company: 4.40% APY (24 Month Certificate of Deposit)
  • Denver Community Credit Union DBA Zing Credit Union: 4.40% APY (60 Month Certificates of Deposit (CD))
  • Vio Bank: 4.40% APY (Certificate of Deposit - 24 Month)
Rates reflect recent verified offers available in Colorado. Last Updated: October 23, 2026

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

Interest at Maturity
$0
Ending Balance
$0
Matures

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

Top Colorado CD Rates by Term

Verified October 23, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Colorado. Averages shown use the Colorado state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Colorado

Colorado CD Calculator

At today’s CO top rate of 5.12% APY, a $10,000 deposit earns $512 in the first year. Enter your amount to see your exact return.

Colorado CD Ladder

CO CD rates currently range from 2.401% (3-month) to 3.095% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Colorado CD at 5.12% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Colorado’s average 12-month CD is 3.293% 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 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 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 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 23, 2026

Colorado Rates & Resources

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Cities in Colorado

  • Agate
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  • Alma
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  • Anton
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