What are the best CD rates in Denver, Colorado?

Here are recent top rates found for this area: United Fidelity Bank : 4.20% APY (6-Month CD Term) Bellco Credit Union : 3.90% APY (Business CDs 6 Months) Denver Community Credit Union DBA Zing Credit Union : 3.75% APY (12 Months Certificates of Deposit) Colorado Credit Union : 3.70% APY (6 month CD) Credit Union Of Denver Credit Union : 3.65% APY (IRA 6 Month Certificate) Ent Credit Union : 3.50% APY (12 Month Certificate) Sunflower Bank : 3.40% APY (6-Month CD Special) Credit Union Of Colorado : 3.20% APY (6 Month Add-on Certificate) Meriwest Credit Union : 3.15% APY (60-Month Certificate) Westerra Credit Union : 1.85% APY (3 Month Certificates of Deposit (CDs))

A CD ladder involves opening multiple CDs with staggered maturity dates — for example, 3-month, 6-month, 1-year, and 2-year CDs. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.

MonitorBankRates

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CD Rates Denver, Colorado (CO) for April 2026

Q: Are CD rates in Denver, Colorado FDIC insured?

Yes, most established banks in Denver, Colorado are insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor. Credit unions are insured by the NCUA, offering the same level of protection.

Q: Do I have to pay state taxes on CD interest in Denver, Colorado?

Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Denver, Colorado.

Q: Can I withdraw my money early from a CD?

You can, but most institutions charge an early withdrawal penalty — often a number of months of interest (e.g., 3 or 6 months). Specifics vary by institution.

Q: What is the difference between a Jumbo CD and a regular CD?

Jumbo CDs typically require a higher minimum deposit (often $100,000 or more) and may offer slightly higher APYs than standard CDs available in Denver, Colorado.

Q: Are fixed-rate CDs better than variable-rate CDs?

Fixed-rate CDs lock in your APY for the entire term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start lower.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | CD Rates Last Updated and Verified: April 22, 2026

Current Denver, Colorado CD rates include United Fidelity BankUnited Fidelity Bank2480 W Alameda Ave, Denver, CO 80223A+5.0 ★Texas Ratio: 0.81%Real return: +1.40%APY minus CPI (February 2026) offering 6-Month CD Term at 4.20% APY, Bellco Credit UnionBellco Credit Union1075 S Havana St, Denver, CO 80012 2901A+5.0 ★Texas Ratio: 4.87%Real return: +1.10%APY minus CPI (February 2026) offering Business CDs 6 Months at 3.90% APY, Denver Community Credit Union DBA Zing Credit UnionDenver Community Credit Union DBA Zing Credit Union1075 Acoma St, Denver, CO 80204 4326A+5.0 ★Texas Ratio: 2.84%Real return: +0.95%APY minus CPI (February 2026) offering 12 Months Certificates of Deposit at 3.75% APY, Colorado Credit UnionColorado Credit Union2001 Lincoln St Ste 100, Denver, CO 80202 3802A+5.0 ★Texas Ratio: 2.36%Real return: +0.90%APY minus CPI (February 2026) offering 6 month CD at 3.70% APY, and Credit Union Of Denver Credit UnionCredit Union Of Denver Credit Union900 AURARIA PKWY UNIT 263, DENVER, CO 80204 5800A+5.0 ★Texas Ratio: 4.99%Real return: +0.85%APY minus CPI (February 2026) offering IRA 6 Month Certificate at 3.65% APY. CD rates as of April 22, 2026 according to verified data from MonitorBankRates.

We compared 126 CD rates from 13 banks and credit unions with local branches in Denver, Colorado. You can also compare 545 CD rates from 55 banks and credit unions available to Colorado residents, including national online banks.

Denver has 51 local institutions in our database, with CD rates as high as 4.20% APY from United Fidelity Bank at 2480 W Alameda Ave, Denver, CO 80223. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Colorado area. Rates are continually updated — we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 22, 2026

Compare Best CD Rates in Denver, Colorado & the Surrounding Area

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Denver Community Credit Union DBA Zing Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.84%

1075 Acoma St, Denver, CO 80204 4326

3 Months Certificates of Deposit

$100

3.30%

View

▼

Rate3.25%

Min Deposit$100

Min Balance—

UpdatedApr 22, 2026

Details

Bellco Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.87%

1075 S Havana St, Denver, CO 80012 2901

Business CDs 3 Months

2.75%

View

▼

Rate2.72%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Westerra Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.61%

3700 E Alameda Ave, Denver, CO 80209

3 Month Certificates of Deposit (CDs)

$500

1.85%

View

▼

Rate1.83%

Min Deposit$500

Min Balance—

UpdatedApr 22, 2026

Details

Credit Union Of Colorado

Institution Rating:

A+5.0 ★Texas Ratio: 4.15%

1275 Tremont Pl, Denver, CO 80204 2118

90 Day Add-on Certificate

1.70%

View

▼

Rate1.69%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Wells Fargo

Institution Rating:

A5.0 ★Texas Ratio: 7.44%

1701 N Lincoln St, Denver, CO 80203

3 month Standard Fixed Rate CD

$2,500

0.06%

View

▼

Rate0.06%

Min Deposit$2,500

Min Balance—

UpdatedApr 22, 2026

Details

Early withdrawal penalties may apply

Colorado Federal Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.27%

3 Month CD

3.50%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

1 Month of Interest

Westminster Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 13.31%

IRA Savings 3-Month

$500

3.50%

View

▼

Rate3.44%

Min Deposit$500

Min Balance—

UpdatedApr 22, 2026

Details

North Valley Bank Thornton, CO

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

3 Month CD

$1,000

3.44%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedApr 22, 2026

Details

Credit Union of The Rockies

Institution Rating:

A+5.0 ★Texas Ratio: 4.18%

3 Month Certificate

$500

3.40%

View

▼

Rate3.36%

Min Deposit$500

Min Balance—

UpdatedApr 22, 2026

Details

Pikes Peak Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.47%

3-Month IRA Certificate

3.25%

View

▼

Rate3.20%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Holyoke Community Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.92%

3 month CD's

$500

3.19%

View

▼

Rate3.15%

Min Deposit$500

Min Balance—

UpdatedApr 22, 2026

Details

Grand Valley Bank

Institution Rating:

A5.0 ★Texas Ratio: 11.80%

Time Certificates of Deposit 3 Months

3.10%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

.25% bonus for Star and Senior Accounts!

Horizons North Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.05%

Share Certificates 3 Month

2.75%

View

▼

Rate2.71%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

$50,000+

Integrity Bank & Trust

Institution Rating:

A5.0 ★Texas Ratio: 8.24%

3 Month Certificate of Deposit

2.53%

View

▼

Rate2.50%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Elevations Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.22%

3 Month Certificate

2.50%

View

▼

Rate2.47%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Min Balance: Regular/Business $500, IRA/HSA $100

San Luis Valley Federal Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.35%

3 Months CD

$100,000

2.29%

View

▼

Rate2.27%

Min Deposit$100,000

Min Balance—

UpdatedApr 22, 2026

Details

Foothills Credit Union

Institution Rating:

B+4.7 ★Texas Ratio: 18.50%

3 Month Certificate of Deposit

$1,000

2.25%

View

▼

Rate2.23%

Min Deposit$1,000

Min Balance—

UpdatedApr 22, 2026

Details

Delta County Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.41%

3 Month Share Certificates/CD's

$250

2.02%

View

▼

Rate2.00%

Min Deposit$250

Min Balance—

UpdatedApr 22, 2026

Details

(youth members only)

FirstOak Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

3 Months Certificate of Deposit

0.55%

View

▼

Rate0.55%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

The District Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.85%

Regular Term Certificates 3 Month Certificate

$500

0.10%

View

▼

Rate0.10%

Min Deposit$500

Min Balance—

UpdatedApr 22, 2026

Details

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

United Fidelity Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.81%

2480 W Alameda Ave, Denver, CO 80223

6-Month CD Term

$1,000

4.20%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedApr 22, 2026

Details

Bellco Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.87%

1075 S Havana St, Denver, CO 80012 2901

Business CDs 6 Months

3.90%

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Colorado Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.36%

2001 Lincoln St Ste 100, Denver, CO 80202 3802

6 month CD

3.70%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Credit Union Of Denver Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.99%

900 AURARIA PKWY UNIT 263, DENVER, CO 80204 5800

IRA 6 Month Certificate

3.65%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Denver Community Credit Union DBA Zing Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.84%

1075 Acoma St, Denver, CO 80204 4326

6 Months* Certificates of Deposit

$100

3.60%

View

▼

Rate3.54%

Min Deposit$100

Min Balance—

UpdatedApr 22, 2026

Details

Sunflower Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.67%

278 University Blvd, Denver, CO 80206

6-Month CD Special

3.40%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Limited time Certificate of Deposit Special

Credit Union Of Colorado

Institution Rating:

A+5.0 ★Texas Ratio: 4.15%

1275 Tremont Pl, Denver, CO 80204 2118

6 Month Add-on Certificate

3.20%

View

▼

Rate3.16%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Meriwest Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.41%

1601 Wewatta St Ste 300, Denver, CO 80202 6478

6-Month Certificate

3.05%

View

▼

Rate3.00%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Westerra Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.61%

3700 E Alameda Ave, Denver, CO 80209

6 Month Certificates of Deposit (CDs)

$500

1.70%

View

▼

Rate1.69%

Min Deposit$500

Min Balance—

UpdatedApr 22, 2026

Details

Wells Fargo

Institution Rating:

A5.0 ★Texas Ratio: 7.44%

1701 N Lincoln St, Denver, CO 80203

6 month Standard Fixed Rate CD

$2,500

0.06%

View

▼

Rate0.06%

Min Deposit$2,500

Min Balance—

UpdatedApr 22, 2026

Details

Early withdrawal penalties may apply

First Citizens Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.24%

3611 E 1st Ave, Denver, CO 80206

6-month automatic saver CD

0.01%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Clean Energy Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.17%

IRA Certificate of Deposit (CD) 6 months

4.18%

View

▼

Rate4.10%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

The Dolores State Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.67%

6 Month Certificates of Deposit

$1,000

4.06%

View

▼

Rate4.00%

Min Deposit$1,000

Min Balance—

UpdatedApr 22, 2026

Details

Colorado Federal Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.27%

6 Month CD

4.00%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

3 Months of Interest

Power Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.62%

6 Month Share Certificates

$50,000

3.91%

View

▼

Rate3.85%

Min Deposit$50,000

Min Balance—

UpdatedApr 22, 2026

Details

Westminster Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 13.31%

IRA Savings 6-Month

$500

3.85%

View

▼

Rate3.78%

Min Deposit$500

Min Balance—

UpdatedApr 22, 2026

Details

North Valley Bank Thornton, CO

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

6 Month CD

$1,000

3.79%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedApr 22, 2026

Details

Pikes Peak Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.47%

6-Month IRA Certificate

3.75%

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Electrical Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.71%

6-Months IRA Certificate

$1,000

3.72%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedApr 22, 2026

Details

On Tap Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.08%

JUMBO certificates 6 Months

3.65%

View

▼

Rate3.59%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Foothills Credit Union

Institution Rating:

B+4.7 ★Texas Ratio: 18.50%

6 Month Certificate of Deposit

$1,000

3.65%

View

▼

Rate3.60%

Min Deposit$1,000

Min Balance—

UpdatedApr 22, 2026

Details

Horizons North Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.05%

Share Certificates 6 Month

3.65%

View

▼

Rate3.58%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

$50,000+

Northrop Grumman Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.91%

Bonus Certificates 6 Month

3.60%

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Aurora Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.24%

Super Jumbo Certificates ** 6 Month

$50,000

3.55%

View

▼

Rate3.50%

Min Deposit$50,000

Min Balance—

UpdatedApr 22, 2026

Details

$50,000

Together Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.65%

6 Month Certificate of Deposit (IRA)

3.55%

View

▼

Rate3.49%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Peoples Credit Union Springfield, CO

Institution Rating:

A+5.0 ★Texas Ratio: 0.32%

6 Month Certificate of Deposit

$100

3.53%

View

▼

Rate—

Min Deposit$100

Min Balance—

UpdatedApr 22, 2026

Details

Premier Members Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.73%

Share and IRA Certificates min. 6 Months

3.50%

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

$500

HAXTUN COMMUNITY

Institution Rating:

A+5.0 ★Texas Ratio: 0.40%

6 month Share Certificates / CDs

$1,000

3.46%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedApr 22, 2026

Details

Credit Union of The Rockies

Institution Rating:

A+5.0 ★Texas Ratio: 4.18%

6 Month Baby-Jumbo Certificate

$50,000

3.40%

View

▼

Rate3.35%

Min Deposit$50,000

Min Balance—

UpdatedApr 22, 2026

Details

Holyoke Community Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.92%

6 month CD's

$2,500

3.39%

View

▼

Rate3.35%

Min Deposit$2,500

Min Balance—

UpdatedApr 22, 2026

Details

Integrity Bank & Trust

Institution Rating:

A5.0 ★Texas Ratio: 8.24%

6 Month Certificate of Deposit

3.30%

View

▼

Rate3.25%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Sterling Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.45%

6 month Share Certificates / CDs

$1,000

3.25%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedApr 22, 2026

Details

Grand Valley Bank

Institution Rating:

A5.0 ★Texas Ratio: 11.80%

Time Certificates of Deposit 6 Months

3.10%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

.25% bonus for Star and Senior Accounts!

Elevations Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.22%

6 Month Certificate

3.00%

View

▼

Rate2.96%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Min Balance: Regular/Business $500, IRA/HSA $100

5Star Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.13%

6 Month CD

$1,000

2.45%

View

▼

Rate2.42%

Min Deposit$1,000

Min Balance—

UpdatedApr 22, 2026

Details

Coloramo Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.59%

6-Month Certificate

2.40%

View

▼

Rate2.38%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

The District Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.85%

Jumbo Term Certificates 6 Month Certificate

$50,000

2.10%

View

▼

Rate2.08%

Min Deposit$50,000

Min Balance—

UpdatedApr 22, 2026

Details

Delta County Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.41%

6 Month Share Certificates/CD's

$2,500

2.02%

View

▼

Rate2.00%

Min Deposit$2,500

Min Balance—

UpdatedApr 22, 2026

Details

San Luis Valley Federal Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.35%

6 Months CD

$100,000

1.70%

View

▼

Rate1.69%

Min Deposit$100,000

Min Balance—

UpdatedApr 22, 2026

Details

FirstOak Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

6 Months Certificate of Deposit

0.60%

View

▼

Rate0.60%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Denver Community Credit Union DBA Zing Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.84%

1075 Acoma St, Denver, CO 80204 4326

12 Months Certificates of Deposit

$100

3.75%

View

▼

Rate3.69%

Min Deposit$100

Min Balance—

UpdatedApr 22, 2026

Details

Bellco Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.87%

1075 S Havana St, Denver, CO 80012 2901

Youth CD 12 Months

3.70%

View

▼

Rate3.64%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Colorado Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.36%

2001 Lincoln St Ste 100, Denver, CO 80202 3802

12 month CD

3.60%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Credit Union Of Denver Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.99%

900 AURARIA PKWY UNIT 263, DENVER, CO 80204 5800

IRA 12 Month Certificate

3.50%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Ent Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.95%

1499 Wynkoop St Ste 100, Denver, CO 80202 5557

12 Month Certificate

3.50%

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Meriwest Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.41%

1601 Wewatta St Ste 300, Denver, CO 80202 6478

12-Month Certificate

2.95%

View

▼

Rate2.91%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Westerra Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.61%

3700 E Alameda Ave, Denver, CO 80209

12 Month Certificates of Deposit (CDs)

$500

1.60%

View

▼

Rate1.59%

Min Deposit$500

Min Balance—

UpdatedApr 22, 2026

Details

Wells Fargo

Institution Rating:

A5.0 ★Texas Ratio: 7.44%

1701 N Lincoln St, Denver, CO 80203

1 year Standard Fixed Rate CD

$2,500

1.51%

View

▼

Rate1.50%

Min Deposit$2,500

Min Balance—

UpdatedApr 22, 2026

Details

Early withdrawal penalties may apply

First Citizens Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.24%

3611 E 1st Ave, Denver, CO 80206

1-year convertible CD

0.02%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Clean Energy Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.17%

IRA Certificate of Deposit (CD) 1 year

4.07%

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Colorado Federal Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.27%

12 Month CD

3.90%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

3 Months of Interest

Power Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.62%

1 Year Share Certificates

$50,000

3.86%

View

▼

Rate3.80%

Min Deposit$50,000

Min Balance—

UpdatedApr 22, 2026

Details

Northrop Grumman Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.91%

Bonus Certificate 12-Month

3.84%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

The Dolores State Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.67%

1 Year Certificates of Deposit

$1,000

3.80%

View

▼

Rate3.75%

Min Deposit$1,000

Min Balance—

UpdatedApr 22, 2026

Details

Peoples Credit Union Springfield, CO

Institution Rating:

A+5.0 ★Texas Ratio: 0.32%

12 Month Certificate of Deposit

$100

3.79%

View

▼

Rate—

Min Deposit$100

Min Balance—

UpdatedApr 22, 2026

Details

Pikes Peak Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.47%

12-Month IRA Certificate

3.75%

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Westminster Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 13.31%

IRA Certificates 1 Year

3.75%

View

▼

Rate3.68%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

On Tap Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.08%

JUMBO certificates 12 Months

3.75%

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Electrical Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.71%

Share & IRA Certificates 12 Month Term- Jumbo

3.67%

View

▼

Rate3.60%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

North Valley Bank Thornton, CO

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

1 Year CD

$1,000

3.65%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedApr 22, 2026

Details

Together Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.65%

12 Month Certificate of Deposit (IRA)

3.60%

View

▼

Rate3.54%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Credit Union of The Rockies

Institution Rating:

A+5.0 ★Texas Ratio: 4.18%

12 Month First Tracks Certificate

$250

3.60%

View

▼

Rate3.55%

Min Deposit$250

Min Balance—

UpdatedApr 22, 2026

Details

Horizons North Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.05%

Share Certificates 12 Month

3.60%

View

▼

Rate3.57%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

$50,000+

Aurora Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.24%

1-Year CD Rate

3.55%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Rates as high as

Foothills Credit Union

Institution Rating:

B+4.7 ★Texas Ratio: 18.50%

12 Month Certificate of Deposit

$1,000

3.55%

View

▼

Rate3.50%

Min Deposit$1,000

Min Balance—

UpdatedApr 22, 2026

Details

HAXTUN COMMUNITY

Institution Rating:

A+5.0 ★Texas Ratio: 0.40%

12 month Share Certificates / CDs

$1,000

3.51%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedApr 22, 2026

Details

Premier Members Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.73%

Share and IRA Certificates min. 12 Months

3.50%

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

$500

Fellowship Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.92%

Certificate of Deposit 12 Months

$500

3.50%

View

▼

Rate—

Min Deposit$500

Min Balance—

UpdatedApr 22, 2026

Details

Northern Colorado Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.28%

12 MONTH IRA CERT

$1,000

3.50%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedApr 22, 2026

Details

Coloramo Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.59%

12-Month Certificate

3.40%

View

▼

Rate3.36%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Holyoke Community Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.92%

Kid's CD - 12 Month (0-18 yrs old) CD's

$200

3.40%

View

▼

Rate3.40%

Min Deposit$200

Min Balance—

UpdatedApr 22, 2026

Details

Integrity Bank & Trust

Institution Rating:

A5.0 ★Texas Ratio: 8.24%

12 Month Certificate of Deposit

3.30%

View

▼

Rate3.25%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Sterling Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.45%

12 month Share Certificates / CDs

$1,000

3.30%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedApr 22, 2026

Details

Grand Valley Bank

Institution Rating:

A5.0 ★Texas Ratio: 11.80%

Time Certificates of Deposit 12 Months

3.20%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

.25% bonus for Star and Senior Accounts!

Armed Forces Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.63%

Certificate of Deposit 12 months

3.15%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Gunnison S&L

Institution Rating:

A+5.0 ★Texas Ratio: 1.03%

1 Year IRA Certificates

$500

3.05%

View

▼

Rate3.00%

Min Deposit$500

Min Balance—

UpdatedApr 22, 2026

Details

Elevations Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.22%

12 Month Certificate

3.00%

View

▼

Rate2.96%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Min Balance: Regular/Business $500, IRA/HSA $100

FirsTier Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.87%

Step-Up 12 Month CD

2.95%

View

▼

Rate2.91%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Arapahoe Credit Union

Institution Rating:

A-4.9 ★Texas Ratio: 16.57%

12 Month CD

2.75%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

5Star Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.13%

1 Year CD/IRA

$1,000

2.55%

View

▼

Rate2.52%

Min Deposit$1,000

Min Balance—

UpdatedApr 22, 2026

Details

The District Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.85%

Jumbo Term Certificates 12 Month Certificate

$50,000

2.15%

View

▼

Rate2.13%

Min Deposit$50,000

Min Balance—

UpdatedApr 22, 2026

Details

Delta County Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.41%

1 Year Share Certificates/CD's

$2,500

1.81%

View

▼

Rate1.80%

Min Deposit$2,500

Min Balance—

UpdatedApr 22, 2026

Details

San Luis Valley Federal Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.35%

1 Year CD

$100,000

1.20%

View

▼

Rate1.19%

Min Deposit$100,000

Min Balance—

UpdatedApr 22, 2026

Details

FirstOak Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

12 Months Certificate of Deposit

0.65%

View

▼

Rate0.65%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

First National Bank in Trinidad

Institution Rating:

B+4.8 ★Texas Ratio: 17.17%

12 Month CD

$1,000

0.50%

View

▼

Rate0.50%

Min Deposit$1,000

Min Balance—

UpdatedApr 22, 2026

Details

On Deposits up to $100,000

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Colorado Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.36%

2001 Lincoln St Ste 100, Denver, CO 80202 3802

18 month CD

3.60%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Bellco Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.87%

1075 S Havana St, Denver, CO 80012 2901

Smart Move 18 Month CD

2.40%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Colorado Federal Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.27%

18 Month CD

3.85%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

6 Months of Interest

HAXTUN COMMUNITY

Institution Rating:

A+5.0 ★Texas Ratio: 0.40%

18 month Share Certificates / CDs

$1,000

3.56%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedApr 22, 2026

Details

The Dolores State Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.67%

18 Month Certificates of Deposit

$1,000

3.55%

View

▼

Rate3.50%

Min Deposit$1,000

Min Balance—

UpdatedApr 22, 2026

Details

Credit Union of The Rockies

Institution Rating:

A+5.0 ★Texas Ratio: 4.18%

18 Month Certificate

$500

3.50%

View

▼

Rate3.46%

Min Deposit$500

Min Balance—

UpdatedApr 22, 2026

Details

Foothills Credit Union

Institution Rating:

B+4.7 ★Texas Ratio: 18.50%

18 Month Certificate of Deposit

$1,000

3.50%

View

▼

Rate3.45%

Min Deposit$1,000

Min Balance—

UpdatedApr 22, 2026

Details

Premier Members Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.73%

Share and IRA Certificates min. 18 Months

3.50%

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

$500

Sterling Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.45%

18 month Share Certificates / CDs

$1,000

3.35%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedApr 22, 2026

Details

Northern Colorado Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.28%

18 MONTH IRA CERT

$1,000

3.35%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedApr 22, 2026

Details

Gunnison S&L

Institution Rating:

A+5.0 ★Texas Ratio: 1.03%

18 Month (Variable Rate) IRA Certificates

$500

3.30%

View

▼

Rate3.25%

Min Deposit$500

Min Balance—

UpdatedApr 22, 2026

Details

Together Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.65%

18 Month Certificate of Deposit (IRA)

3.30%

View

▼

Rate3.25%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Holyoke Community Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.92%

18 month CD's

$50,000

3.29%

View

▼

Rate3.25%

Min Deposit$50,000

Min Balance—

UpdatedApr 22, 2026

Details

Peoples Credit Union Springfield, CO

Institution Rating:

A+5.0 ★Texas Ratio: 0.32%

18 Month Certificate of Deposit

$100

3.27%

View

▼

Rate—

Min Deposit$100

Min Balance—

UpdatedApr 22, 2026

Details

Horizons North Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.05%

IRA Share Certificates 18 Month

3.25%

View

▼

Rate3.20%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

$50,000+

Integrity Bank & Trust

Institution Rating:

A5.0 ★Texas Ratio: 8.24%

18 Month Certificate of Deposit

3.20%

View

▼

Rate3.15%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Aurora Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.24%

Super Jumbo Certificates ** 18 Month

$50,000

3.20%

View

▼

Rate3.16%

Min Deposit$50,000

Min Balance—

UpdatedApr 22, 2026

Details

$50,000

Elevations Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.22%

18 Month Certificate

2.50%

View

▼

Rate2.47%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Min Balance: Regular/Business $500, IRA/HSA $100

5Star Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.13%

18 Month CD/IRA

$1,000

2.45%

View

▼

Rate2.42%

Min Deposit$1,000

Min Balance—

UpdatedApr 22, 2026

Details

The District Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.85%

Regular Term Certificates 18 Month Certificate

$500

2.05%

View

▼

Rate2.03%

Min Deposit$500

Min Balance—

UpdatedApr 22, 2026

Details

Delta County Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.41%

18 Month Share Certificates/CD's

$2,500

1.76%

View

▼

Rate1.75%

Min Deposit$2,500

Min Balance—

UpdatedApr 22, 2026

Details

FirstOak Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

18 Months Certificate of Deposit

0.70%

View

▼

Rate0.70%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

First National Bank in Trinidad

Institution Rating:

B+4.8 ★Texas Ratio: 17.17%

18 Month CD

$1,000

0.60%

View

▼

Rate0.60%

Min Deposit$1,000

Min Balance—

UpdatedApr 22, 2026

Details

On Deposits up to $100,000

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Bellco Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.87%

1075 S Havana St, Denver, CO 80012 2901

Business CDs 24 Months

3.60%

View

▼

Rate3.54%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Colorado Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.36%

2001 Lincoln St Ste 100, Denver, CO 80202 3802

24 month CD

3.50%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Denver Community Credit Union DBA Zing Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.84%

1075 Acoma St, Denver, CO 80204 4326

24 Months Certificates of Deposit

$100

3.40%

View

▼

Rate3.35%

Min Deposit$100

Min Balance—

UpdatedApr 22, 2026

Details

Credit Union Of Denver Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.99%

900 AURARIA PKWY UNIT 263, DENVER, CO 80204 5800

IRA 24 Month Certificate

3.35%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Meriwest Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.41%

1601 Wewatta St Ste 300, Denver, CO 80202 6478

24-Month Certificate

2.90%

View

▼

Rate2.86%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Westerra Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.61%

3700 E Alameda Ave, Denver, CO 80209

24 Month Certificates of Deposit (CDs)

$500

1.55%

View

▼

Rate1.54%

Min Deposit$500

Min Balance—

UpdatedApr 22, 2026

Details

Clean Energy Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.17%

IRA Certificate of Deposit (CD) 2 years

3.92%

View

▼

Rate3.85%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

On Tap Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.08%

JUMBO certificates 24 Months

3.85%

View

▼

Rate3.78%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Colorado Federal Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.27%

24 Month CD

3.80%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

6 Months of Interest

5Star Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.13%

24 Month Variable IRA

$250

3.79%

View

▼

Rate3.72%

Min Deposit$250

Min Balance—

UpdatedApr 22, 2026

Details

Northrop Grumman Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.91%

Bonus Certificates 24 Month

3.75%

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Electrical Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.71%

Share & IRA Certificates 24 Month Term- Jumbo

3.61%

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Power Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.62%

2 Years Share Certificates

$50,000

3.60%

View

▼

Rate3.55%

Min Deposit$50,000

Min Balance—

UpdatedApr 22, 2026

Details

The Dolores State Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.67%

2 Year Certificates of Deposit

$1,000

3.55%

View

▼

Rate3.50%

Min Deposit$1,000

Min Balance—

UpdatedApr 22, 2026

Details

Westminster Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 13.31%

IRA Certificates 2 Year

3.55%

View

▼

Rate3.49%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Credit Union of The Rockies

Institution Rating:

A+5.0 ★Texas Ratio: 4.18%

24 Month Baby-Jumbo Certificate

$50,000

3.50%

View

▼

Rate3.45%

Min Deposit$50,000

Min Balance—

UpdatedApr 22, 2026

Details

Pikes Peak Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.47%

24-Month IRA Certificate

3.50%

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Premier Members Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.73%

Share and IRA Certificates min. 24 Months

3.50%

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

$500

North Valley Bank Thornton, CO

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

2 Year CD

$1,000

3.50%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedApr 22, 2026

Details

Foothills Credit Union

Institution Rating:

B+4.7 ★Texas Ratio: 18.50%

24 Month Certificate of Deposit

$1,000

3.45%

View

▼

Rate3.40%

Min Deposit$1,000

Min Balance—

UpdatedApr 22, 2026

Details

Coloramo Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.59%

24-Month Certificate

3.40%

View

▼

Rate3.36%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Peoples Credit Union Springfield, CO

Institution Rating:

A+5.0 ★Texas Ratio: 0.32%

24 Month Certificate of Deposit

$100

3.32%

View

▼

Rate—

Min Deposit$100

Min Balance—

UpdatedApr 22, 2026

Details

Gunnison S&L

Institution Rating:

A+5.0 ★Texas Ratio: 1.03%

2 Years IRA Certificates

$500

3.31%

View

▼

Rate3.25%

Min Deposit$500

Min Balance—

UpdatedApr 22, 2026

Details

Together Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.65%

24 Month Certificate of Deposit (IRA)

3.30%

View

▼

Rate3.25%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Northern Colorado Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.28%

24 MONTH IRA CERT

$1,000

3.26%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedApr 22, 2026

Details

Fellowship Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.92%

Certificate of Deposit 24 Months

$500

3.25%

View

▼

Rate—

Min Deposit$500

Min Balance—

UpdatedApr 22, 2026

Details

HAXTUN COMMUNITY

Institution Rating:

A+5.0 ★Texas Ratio: 0.40%

24 month Share Certificates / CDs

$1,000

3.21%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedApr 22, 2026

Details

Aurora Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.24%

IRA 24 Month CD

3.20%

View

▼

Rate3.16%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Holyoke Community Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.92%

24 month CD's

$50,000

3.14%

View

▼

Rate3.10%

Min Deposit$50,000

Min Balance—

UpdatedApr 22, 2026

Details

Integrity Bank & Trust

Institution Rating:

A5.0 ★Texas Ratio: 8.24%

2 Year Certificate of Deposit

3.03%

View

▼

Rate3.00%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Horizons North Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.05%

Share Certificates 24 Month

3.00%

View

▼

Rate2.96%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

$50,000+

Grand Valley Bank

Institution Rating:

A5.0 ★Texas Ratio: 11.80%

Time Certificates of Deposit 24 Months

3.00%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

.25% bonus for Star and Senior Accounts!

Sterling Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.45%

24 month Share Certificates / CDs

$1,000

2.94%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedApr 22, 2026

Details

FirsTier Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.87%

Step-Up 24 Month CD

2.75%

View

▼

Rate2.71%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Elevations Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.22%

24 Month Certificate

2.50%

View

▼

Rate2.47%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Min Balance: Regular/Business $500, IRA/HSA $100

The District Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.85%

Jumbo Term Certificates 24 Month Certificate

$50,000

2.25%

View

▼

Rate2.23%

Min Deposit$50,000

Min Balance—

UpdatedApr 22, 2026

Details

Delta County Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.41%

2 Year Share Certificates/CD's

$2,500

1.86%

View

▼

Rate1.85%

Min Deposit$2,500

Min Balance—

UpdatedApr 22, 2026

Details

San Luis Valley Federal Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.35%

2 Years CD

$100,000

1.11%

View

▼

Rate1.10%

Min Deposit$100,000

Min Balance—

UpdatedApr 22, 2026

Details

FirstOak Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

24 Months Certificate of Deposit

0.75%

View

▼

Rate0.75%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

First National Bank in Trinidad

Institution Rating:

B+4.8 ★Texas Ratio: 17.17%

24 Month CD

$1,000

0.70%

View

▼

Rate0.70%

Min Deposit$1,000

Min Balance—

UpdatedApr 22, 2026

Details

On Deposits up to $100,000

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Denver Community Credit Union DBA Zing Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.84%

1075 Acoma St, Denver, CO 80204 4326

36 Months** Certificates of Deposit

$100,000

3.65%

View

▼

Rate3.59%

Min Deposit$100,000

Min Balance—

UpdatedApr 22, 2026

Details

Colorado Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.36%

2001 Lincoln St Ste 100, Denver, CO 80202 3802

36 month CD

3.50%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Credit Union Of Denver Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.99%

900 AURARIA PKWY UNIT 263, DENVER, CO 80204 5800

IRA 36 Month Certificate

3.40%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Bellco Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.87%

1075 S Havana St, Denver, CO 80012 2901

Business CDs 36 Months

3.40%

View

▼

Rate3.35%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Meriwest Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.41%

1601 Wewatta St Ste 300, Denver, CO 80202 6478

36-Month Certificate

2.90%

View

▼

Rate2.86%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Ent Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.95%

1499 Wynkoop St Ste 100, Denver, CO 80202 5557

36 Month Flex Certificate

2.83%

View

▼

Rate2.79%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Westerra Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.61%

3700 E Alameda Ave, Denver, CO 80209

36 Month Certificates of Deposit (CDs)

$500

1.55%

View

▼

Rate1.54%

Min Deposit$500

Min Balance—

UpdatedApr 22, 2026

Details

On Tap Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.08%

JUMBO certificates 36 Months

3.95%

View

▼

Rate3.88%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

5Star Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.13%

36 Month Variable IRA

$250

3.78%

View

▼

Rate3.71%

Min Deposit$250

Min Balance—

UpdatedApr 22, 2026

Details

Colorado Federal Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.27%

36 Month CD

3.75%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

6 Months of Interest

Northrop Grumman Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.91%

Bonus Certificates 36 Month

3.71%

View

▼

Rate3.65%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Electrical Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.71%

Share & IRA Certificates 36 Month Term

3.61%

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Credit Union of The Rockies

Institution Rating:

A+5.0 ★Texas Ratio: 4.18%

36 Month Certificate

$500

3.60%

View

▼

Rate3.55%

Min Deposit$500

Min Balance—

UpdatedApr 22, 2026

Details

The Dolores State Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.67%

3 Year Certificates of Deposit

$1,000

3.55%

View

▼

Rate3.50%

Min Deposit$1,000

Min Balance—

UpdatedApr 22, 2026

Details

Premier Members Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.73%

Share and IRA Certificates min. 36 Months

3.50%

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

$500

Westminster Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 13.31%

IRA Certificates 3 Year

3.45%

View

▼

Rate3.39%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Pikes Peak Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.47%

36-Month IRA Certificate

3.40%

View

▼

Rate3.35%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Clean Energy Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.17%

IRA Certificate of Deposit (CD) 3 years

3.40%

View

▼

Rate3.35%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Coloramo Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.59%

36-Month Certificate

3.40%

View

▼

Rate3.36%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Foothills Credit Union

Institution Rating:

B+4.7 ★Texas Ratio: 18.50%

36 Month Certificate of Deposit

$1,000

3.35%

View

▼

Rate3.30%

Min Deposit$1,000

Min Balance—

UpdatedApr 22, 2026

Details

Power Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.62%

3 Years Share Certificates

$50,000

3.30%

View

▼

Rate3.26%

Min Deposit$50,000

Min Balance—

UpdatedApr 22, 2026

Details

Together Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.65%

36 Month Certificate of Deposit (IRA)

3.30%

View

▼

Rate3.25%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

North Valley Bank Thornton, CO

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

3 Year CD

$1,000

3.25%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedApr 22, 2026

Details

Holyoke Community Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.92%

36 month CD's

$50,000

3.24%

View

▼

Rate3.20%

Min Deposit$50,000

Min Balance—

UpdatedApr 22, 2026

Details

Aurora Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.24%

IRA 36 Month CD

3.20%

View

▼

Rate3.16%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Northern Colorado Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.28%

36 MONTH IRA CERT

$1,000

3.20%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedApr 22, 2026

Details

Fellowship Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.92%

Certificate of Deposit 36 Months

$500

3.00%

View

▼

Rate—

Min Deposit$500

Min Balance—

UpdatedApr 22, 2026

Details

HAXTUN COMMUNITY

Institution Rating:

A+5.0 ★Texas Ratio: 0.40%

36 month Share Certificates / CDs

$1,000

3.00%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedApr 22, 2026

Details

Grand Valley Bank

Institution Rating:

A5.0 ★Texas Ratio: 11.80%

Time Certificates of Deposit 36 Months

3.00%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

.25% bonus for Star and Senior Accounts!

Horizons North Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.05%

Share Certificates 36 Month

3.00%

View

▼

Rate2.96%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

$50,000+

Integrity Bank & Trust

Institution Rating:

A5.0 ★Texas Ratio: 8.24%

3 Year Certificate of Deposit

2.84%

View

▼

Rate2.80%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Sterling Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.45%

36 month Share Certificates / CDs

$1,000

2.84%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedApr 22, 2026

Details

Peoples Credit Union Springfield, CO

Institution Rating:

A+5.0 ★Texas Ratio: 0.32%

36 Month Certificate of Deposit

$100

2.83%

View

▼

Rate—

Min Deposit$100

Min Balance—

UpdatedApr 22, 2026

Details

Elevations Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.22%

36 Month Certificate

2.50%

View

▼

Rate2.47%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Min Balance: Regular/Business $500, IRA/HSA $100

The District Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.85%

Jumbo Term Certificates 36 Month Certificate

$50,000

2.35%

View

▼

Rate2.33%

Min Deposit$50,000

Min Balance—

UpdatedApr 22, 2026

Details

Delta County Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.41%

3 Year Share Certificates/CD's

$2,500

2.07%

View

▼

Rate2.05%

Min Deposit$2,500

Min Balance—

UpdatedApr 22, 2026

Details

FirstOak Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

36 Months Certificate of Deposit

0.85%

View

▼

Rate0.85%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Denver Community Credit Union DBA Zing Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.84%

1075 Acoma St, Denver, CO 80204 4326

48 Months** Certificates of Deposit

$100,000

3.70%

View

▼

Rate3.64%

Min Deposit$100,000

Min Balance—

UpdatedApr 22, 2026

Details

Colorado Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.36%

2001 Lincoln St Ste 100, Denver, CO 80202 3802

48 month CD

3.50%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Credit Union Of Denver Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.99%

900 AURARIA PKWY UNIT 263, DENVER, CO 80204 5800

IRA 48 Month Certificate

3.45%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Westerra Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.61%

3700 E Alameda Ave, Denver, CO 80209

48 Month Certificates of Deposit (CDs)

$500

1.60%

View

▼

Rate1.59%

Min Deposit$500

Min Balance—

UpdatedApr 22, 2026

Details

On Tap Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.08%

JUMBO certificates 48 Months

4.05%

View

▼

Rate3.98%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Northrop Grumman Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.91%

Bonus Certificates 48 Month

3.76%

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Electrical Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.71%

Share & IRA Certificates 48 Month Term

3.61%

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Credit Union of The Rockies

Institution Rating:

A+5.0 ★Texas Ratio: 4.18%

48 Month Baby-Jumbo Certificate

$50,000

3.60%

View

▼

Rate3.55%

Min Deposit$50,000

Min Balance—

UpdatedApr 22, 2026

Details

The Dolores State Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.67%

4 Year Certificates of Deposit

$1,000

3.55%

View

▼

Rate3.50%

Min Deposit$1,000

Min Balance—

UpdatedApr 22, 2026

Details

Premier Members Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.73%

Share and IRA Certificates min. 48 Months

3.50%

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

$500

Power Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.62%

4 Years Share Certificates

$50,000

3.30%

View

▼

Rate3.26%

Min Deposit$50,000

Min Balance—

UpdatedApr 22, 2026

Details

Foothills Credit Union

Institution Rating:

B+4.7 ★Texas Ratio: 18.50%

48 Month Certificate of Deposit

$1,000

3.30%

View

▼

Rate3.26%

Min Deposit$1,000

Min Balance—

UpdatedApr 22, 2026

Details

Together Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.65%

48 Month Certificate of Deposit (IRA)

3.30%

View

▼

Rate3.25%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Pikes Peak Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.47%

48-Month IRA Certificate

3.30%

View

▼

Rate3.25%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Holyoke Community Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.92%

48 month CD's

$50,000

3.24%

View

▼

Rate3.20%

Min Deposit$50,000

Min Balance—

UpdatedApr 22, 2026

Details

Aurora Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.24%

IRA 48 Month CD

3.20%

View

▼

Rate3.16%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Grand Valley Bank

Institution Rating:

A5.0 ★Texas Ratio: 11.80%

Time Certificates of Deposit 48 Months

3.10%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

.25% bonus for Star and Senior Accounts!

Northern Colorado Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.28%

48 MONTH IRA CERT

$1,000

3.10%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedApr 22, 2026

Details

Coloramo Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.59%

48-Month Certificate

3.00%

View

▼

Rate2.97%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Fellowship Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.92%

Certificate of Deposit 48 Months

$500

3.00%

View

▼

Rate—

Min Deposit$500

Min Balance—

UpdatedApr 22, 2026

Details

North Valley Bank Thornton, CO

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

4 Year CD

$1,000

3.00%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedApr 22, 2026

Details

Peoples Credit Union Springfield, CO

Institution Rating:

A+5.0 ★Texas Ratio: 0.32%

48 Month Certificate of Deposit

$100

2.83%

View

▼

Rate—

Min Deposit$100

Min Balance—

UpdatedApr 22, 2026

Details

Clean Energy Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.17%

IRA Certificate of Deposit (CD) 4 years

2.63%

View

▼

Rate2.60%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Integrity Bank & Trust

Institution Rating:

A5.0 ★Texas Ratio: 8.24%

4 Year Certificate of Deposit

2.53%

View

▼

Rate2.50%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Elevations Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.22%

48 Month Certificate

2.50%

View

▼

Rate2.47%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Min Balance: Regular/Business $500, IRA/HSA $100

The District Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.85%

Jumbo Term Certificates 48 Month Certificate

$50,000

2.45%

View

▼

Rate2.42%

Min Deposit$50,000

Min Balance—

UpdatedApr 22, 2026

Details

5Star Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.13%

4 Year CD/IRA

$1,000

2.00%

View

▼

Rate1.98%

Min Deposit$1,000

Min Balance—

UpdatedApr 22, 2026

Details

FirstOak Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

48 Months Certificate of Deposit

0.95%

View

▼

Rate0.95%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Denver Community Credit Union DBA Zing Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.84%

1075 Acoma St, Denver, CO 80204 4326

60 Months** Certificates of Deposit

$100,000

3.70%

View

▼

Rate3.64%

Min Deposit$100,000

Min Balance—

UpdatedApr 22, 2026

Details

Colorado Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.36%

2001 Lincoln St Ste 100, Denver, CO 80202 3802

60 month CD

3.60%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Credit Union Of Denver Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.99%

900 AURARIA PKWY UNIT 263, DENVER, CO 80204 5800

IRA 60 Month Certificate

3.50%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Bellco Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.87%

1075 S Havana St, Denver, CO 80012 2901

Business CDs 60 Months

3.40%

View

▼

Rate3.35%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Meriwest Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.41%

1601 Wewatta St Ste 300, Denver, CO 80202 6478

60-Month Certificate

3.15%

View

▼

Rate3.10%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Ent Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.95%

1499 Wynkoop St Ste 100, Denver, CO 80202 5557

60 Month Certificate

3.03%

View

▼

Rate2.99%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Westerra Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.61%

3700 E Alameda Ave, Denver, CO 80209

60 Month Certificates of Deposit (CDs)

$500

1.65%

View

▼

Rate1.64%

Min Deposit$500

Min Balance—

UpdatedApr 22, 2026

Details

On Tap Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.08%

JUMBO certificates 60 Months

4.10%

View

▼

Rate4.03%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

5Star Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.13%

60 Month Variable IRA

$250

3.92%

View

▼

Rate3.85%

Min Deposit$250

Min Balance—

UpdatedApr 22, 2026

Details

Northrop Grumman Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.91%

Bonus Certificates 60 Month

3.76%

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Colorado Federal Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.27%

60 Month CD

3.60%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

6 Months of Interest

Credit Union of The Rockies

Institution Rating:

A+5.0 ★Texas Ratio: 4.18%

60 Month Baby-Jumbo Certificate

$50,000

3.60%

View

▼

Rate3.55%

Min Deposit$50,000

Min Balance—

UpdatedApr 22, 2026

Details

Gunnison S&L

Institution Rating:

A+5.0 ★Texas Ratio: 1.03%

5 Years IRA Certificates

$500

3.57%

View

▼

Rate3.50%

Min Deposit$500

Min Balance—

UpdatedApr 22, 2026

Details

The Dolores State Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.67%

5 Year Certificates of Deposit

$1,000

3.55%

View

▼

Rate3.50%

Min Deposit$1,000

Min Balance—

UpdatedApr 22, 2026

Details

Premier Members Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.73%

Share and IRA Certificates min. 60 Months

3.50%

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

$500

Westminster Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 13.31%

IRA Certificates 5 Year

3.45%

View

▼

Rate3.39%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Power Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.62%

5 Years Share Certificates

$50,000

3.30%

View

▼

Rate3.26%

Min Deposit$50,000

Min Balance—

UpdatedApr 22, 2026

Details

Together Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.65%

60 Month Certificate of Deposit (IRA)

3.30%

View

▼

Rate3.25%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Foothills Credit Union

Institution Rating:

B+4.7 ★Texas Ratio: 18.50%

60 Month Certificate of Deposit

$1,000

3.25%

View

▼

Rate3.21%

Min Deposit$1,000

Min Balance—

UpdatedApr 22, 2026

Details

Holyoke Community Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.92%

60 month CD's

$50,000

3.24%

View

▼

Rate3.20%

Min Deposit$50,000

Min Balance—

UpdatedApr 22, 2026

Details

Aurora Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.24%

IRA 60 Month CD

3.20%

View

▼

Rate3.16%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Northern Colorado Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.28%

60 MONTH IRA CERT

$1,000

3.20%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedApr 22, 2026

Details

Coloramo Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.59%

60-Month Certificate

3.00%

View

▼

Rate2.97%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Grand Valley Bank

Institution Rating:

A5.0 ★Texas Ratio: 11.80%

Time Certificates of Deposit 60 Month

3.00%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

.25% bonus for Star and Senior Accounts!

Fellowship Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.92%

Certificate of Deposit 60 Months

$500

3.00%

View

▼

Rate—

Min Deposit$500

Min Balance—

UpdatedApr 22, 2026

Details

Peoples Credit Union Springfield, CO

Institution Rating:

A+5.0 ★Texas Ratio: 0.32%

60 Month Certificate of Deposit

$100

2.83%

View

▼

Rate—

Min Deposit$100

Min Balance—

UpdatedApr 22, 2026

Details

Integrity Bank & Trust

Institution Rating:

A5.0 ★Texas Ratio: 8.24%

5 Year Certificate of Deposit

2.79%

View

▼

Rate2.75%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Clean Energy Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.17%

IRA Certificate of Deposit (CD) 5 years

2.68%

View

▼

Rate2.65%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

The District Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.85%

Jumbo Term Certificates 60 Month Certificate

$50,000

2.60%

View

▼

Rate2.57%

Min Deposit$50,000

Min Balance—

UpdatedApr 22, 2026

Details

Delta County Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.41%

5 Year Share Certificates/CD's

$2,500

2.52%

View

▼

Rate2.50%

Min Deposit$2,500

Min Balance—

UpdatedApr 22, 2026

Details

Horizons North Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.05%

Share Certificates 60 Month

2.50%

View

▼

Rate2.47%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

$50,000+

North Valley Bank Thornton, CO

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

5 Year CD

$1,000

2.50%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedApr 22, 2026

Details

Elevations Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.22%

60 Month Certificate

2.50%

View

▼

Rate2.47%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Min Balance: Regular/Business $500, IRA/HSA $100

FirstOak Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

60 Months Certificate of Deposit

1.06%

View

▼

Rate1.05%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

FirsTier Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.87%

Step-Up 60 Month CD

0.70%

View

▼

Rate0.70%

Min Deposit$0

Min Balance—

UpdatedApr 22, 2026

Details

Verus Bank of Commerce

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

IRA certificates of deposit 60 month + <

$1,000

0.45%

View

▼

Rate0.45%

Min Deposit$1,000

Min Balance—

UpdatedApr 22, 2026

Details

$100,000

Disclaimer

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 Denver, Colorado Institutions

Highest verified APYs available today — updated April 22, 2026

B Top 5 Bank Rates

United Fidelity Bank

6-Month CD Term

A+ 5.0 ★ TX: 0.81%

Min: $1,000

4.20%

Sunflower Bank

6-Month CD Special

A+ 5.0 ★ TX: 5.67%

Min: $0

3.40%

Wells Fargo

1 year Standard Fixed Rate CD

A 5.0 ★ TX: 7.44%

Min: $2,500

1.51%

First Citizens Bank

1-year convertible CD

A+ 5.0 ★ TX: 5.24%

Min: $0

0.02%

The Dolores State Bank

6 Month Certificates of Deposit

A+ 5.0 ★ TX: 3.67%

Min: $1,000

4.06%

CU Top 5 Credit Union Rates

Bellco Credit Union

Business CDs 6 Months

A+ 5.0 ★ TX: 4.87%

Min: $0

3.90%

Denver Community Credit Union DBA Zing Credit Union

12 Months Certificates of Deposit

A+ 5.0 ★ TX: 2.84%

Min: $100

3.75%

Colorado Credit Union

6 month CD

A+ 5.0 ★ TX: 2.36%

Min: $0

3.70%

Credit Union Of Denver Credit Union

IRA 6 Month Certificate

A+ 5.0 ★ TX: 4.99%

Min: $0

3.65%

Ent Credit Union

12 Month Certificate

A+ 5.0 ★ TX: 4.95%

Min: $0

3.50%

Rates verified April 22, 2026 — Click an institution name to view its full profile, safety ratings, and all CD terms.

Denver, CO CD Rate Trends

Compare local Denver, CO CD rate quotes against the statewide average

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

View Full Colorado CD Trends →

12-Month CD — CO Avg

2.860%

▼ 0.063 vs 7 days ago

Colorado 12-month CD rates fell 0.063 points over the past 7 days to 2.860% APY.

6-Month CD — CO Avg

2.265%

▼ 0.117 vs 7 days ago

Colorado 6-month CD rates fell 0.117 points over the past 7 days to 2.265% APY.

As of Apr 22, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

CO CD Rate Forecast — Next 12 Months

Where are Colorado CD rates headed through April 2027?

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

CO 12-Month Avg APY

2.860%

6-Month Forecast

2.860%

Range: 2.66% – 3.01%

12-Month Forecast

2.610%

Range: 2.41% – 2.76%

What Your Savings Earn at CO CD Rates Today

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

CD Term	CO Avg APY	$5,000	$10,000	$25,000	$50,000
3-Month CD	1.607%	$80.33	$160.65	$401.63	$803.25
6-Month CD	2.265%	$113.24	$226.48	$566.20	$1,132.40
12-Month CD	2.860%	$143.02	$286.03	$715.08	$1,430.15
18-Month CD	2.770%	$138.52	$277.03	$692.58	$1,385.15
24-Month CD	3.016%	$150.82	$301.64	$754.10	$1,508.20
36-Month CD	3.019%	$150.95	$301.90	$754.75	$1,509.50
48-Month CD	2.916%	$145.80	$291.60	$729.00	$1,458.00
60-Month CD	3.049%	$152.45	$304.90	$762.25	$1,524.50
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 22, 2026.

Sample CD Ladder for Denver, Colorado Savers

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

Build Your Ladder →

Rung	Term	Deposit	CO Avg APY	Annual Earnings
1	3-Month CD	$5,000	1.607%	$80.33
2	6-Month CD	$5,000	2.265%	$113.24
3	12-Month CD	$5,000	2.860%	$143.02
4	24-Month CD	$5,000	3.016%	$150.82
5	36-Month CD	$5,000	3.019%	$150.95
Total ($25,000 invested)		$25,000	2.553% blended	$638.36/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.

545

CD Rates
Tracked in Denver, Colorado

18 Banks 31 Credit Unions

About Our Denver, Colorado CD Rate Database

MonitorBankRates tracks 545 CD rates from 18 banks and 31 credit unions with locations in Denver, Colorado, plus national online institutions available to Colorado residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.

Current top rate: United Fidelity Bank offers a CD at 4.20% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Denver, Colorado.

How to Find the Best CD Rates in Denver, Colorado

What to compare when shopping for a CD in Denver, Colorado

To find the best APYs in Denver, Colorado, start with credit unions and online-only banks — Denver, Colorado has 31 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.

Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.

Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.

When a CD Makes Sense in Denver, Colorado

You have a planned expense coming up and want your savings to earn while you wait
You expect rates to fall and want to lock in today’s rate
You want FDIC or NCUA protection with a guaranteed fixed return
You prefer banking with an institution that has a local branch in Denver, Colorado — 49 institutions here report CD rates

Consider an Alternative If…

You may need funds within 30 days → Denver, Colorado savings rates
Rates are rising and you want to benefit → Variable-rate savings or MMA
You want check-writing access → Denver, Colorado money market rates

Denver, Colorado Financial Snapshot

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

Population 65+

12.5%

National avg: 17.3%

Median Individual Earnings

$58,097

National avg: $47,340

Poverty Rate

11.2%

National avg: 11.1%

Unemployment Rate

4.9%

National avg: 4.8%

CD Earnings on 10% of Salary

$166/yr

At CO 12-mo avg 2.860% APY

12.5% of residents are 65 or older — below the national average of 17.3%. At today’s CO 12-month CD average of 2.860%, saving 10% of the local median salary ($5,809/year) and putting it in a CD would earn an additional $166 annually in interest.

Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.

CD Rates vs. Other Savings Options in Denver, Colorado

What to compare when choosing between a CD and other deposit accounts

Feature	CD	High-Yield Savings	Money Market	6-Month CD
Rate Type	Fixed APY	Variable APY	Variable APY	Fixed APY
Liquidity	Locked for term	Anytime	Anytime	Locked 6 months
Early Withdrawal	Penalty (months of interest)	None	None	Penalty (90–180 days interest)
FDIC / NCUA Insured	Yes (up to $250K)	Yes (up to $250K)	Yes (up to $250K)	Yes (up to $250K)
Check / Debit Access	No	Usually no	Often yes	No
Best For	Known savings goal, CD ladder	Emergency fund, flexible savings	Liquid savings with check-writing	Slightly higher yield, less urgency

Frequently Asked Questions about CD Rates in Denver, Colorado

Are CD rates in Denver, Colorado FDIC insured?

Yes, most established banks in Denver, Colorado are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.

Do I have to pay state taxes on CD interest in Denver, Colorado?

Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Denver, Colorado.

Can I withdraw my money early from a CD?

You can, but most institutions charge an Early Withdrawal Penalty — typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.

What is the difference between a Jumbo CD and a regular CD?

Jumbo CDs require a higher minimum deposit — traditionally $100,000 or more. In exchange, banks in Denver, Colorado may offer slightly higher APYs compared to standard CDs.

Are fixed-rate CDs better than variable-rate CDs?

Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.

What is a CD ladder?

A CD ladder involves opening multiple CDs with staggered maturity dates — for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.

Best CD rates in Denver, Colorado?

Here are recent top rates found for this area:

United Fidelity Bank: 4.20% APY (6-Month CD Term)
Bellco Credit Union: 3.90% APY (Business CDs 6 Months)
Denver Community Credit Union DBA Zing Credit Union: 3.75% APY (12 Months Certificates of Deposit)
Colorado Credit Union: 3.70% APY (6 month CD)
Credit Union Of Denver Credit Union: 3.65% APY (IRA 6 Month Certificate)
Ent Credit Union: 3.50% APY (12 Month Certificate)
Sunflower Bank: 3.40% APY (6-Month CD Special)
Credit Union Of Colorado: 3.20% APY (6 Month Add-on Certificate)
Meriwest Credit Union: 3.15% APY (60-Month Certificate)
Westerra Credit Union: 1.85% APY (3 Month Certificates of Deposit (CDs))

Rates reflect recent verified offers available in Denver, Colorado. Last Updated: April 22, 2026

CD Calculators for Denver, Colorado

Denver, Colorado CD Calculator

At today’s CO top rate of 4.20% APY, a $10,000 deposit earns $420 in the first year. Enter your amount to see your exact return.

Denver, Colorado CD Ladder

CO CD rates currently range from 1.607% (3-month) to 3.019% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Denver, Colorado CD at 4.20% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.

CD vs. High-Yield Savings

Colorado’s average 12-month CD is 2.860% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Denver, Colorado directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Denver, Colorado. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in CO.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: April 22, 2026

Denver, Colorado Rates & Resources

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