Fort Collins, Colorado Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
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.
Fort Collins, Colorado CD rates range from 0.01% to 5.12% APY, verified by MonitorBankRates as of October 23, 2026. Current Fort Collins, Colorado CD rates include Academy BankAcademy Bank1250 E Magnolia St, Fort Collins, CO 80524A+5.0 ★Texas Ratio: 5.08%Real return: +0.70%APY minus CPIRate verified Oct 22, 2026 offering 18 Month Certificate of Deposit at 4.40% APY, Union Bank and Trust CompanyUnion Bank and Trust Company123 N College Ave, Fort Collins, CO 80524A+5.0 ★Texas Ratio: 2.09%Real return: +0.70%APY minus CPIRate verified Oct 20, 2026 offering 24 Month Certificate of Deposit at 4.40% APY, Wings Credit UnionWings Credit Union243 N College Ave, Fort Collins, CO 80524A+5.0 ★Texas Ratio: 4.15%Real return: +0.45%APY minus CPIRate verified Oct 14, 2026 offering 60 Month Certificate at 4.15% APY, FirsTier BankFirsTier Bank343 N College Ave, Fort Collins, CO 80524F2.0 ★Texas Ratio: 51.03%Real return: +0.44%APY minus CPIRate verified Oct 20, 2026 offering 3 Month CD at 4.14% APY, and Bellco Credit UnionBellco Credit Union1526 E Harmony Rd Unit 130, Fort Collins, CO 80525 8006A5.0 ★Texas Ratio: 9.71%Real return: +0.40%APY minus CPIRate verified Oct 19, 2026 offering 60 Month Business CD at 4.10% APY. CD rates as of October 23, 2026 according to verified data from MonitorBankRates.
Fort Collins has 313 local institutions in our database, with CD rates as high as 4.40% APY from Academy Bank at 1250 E Magnolia St, Fort Collins, CO 80524. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Colorado area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 23, 2026
Compare Best CD Rates in Fort Collins, Colorado & the Surrounding Area
Fort Collins 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
343 N College Ave, Fort Collins, CO 80524
3 Month CD
$0
4.14%
▲ 1.74% above Colorado avg
▼
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%
- Sep 24, 20264.14%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Wings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
243 N College Ave, Fort Collins, CO 80524
3 Month Standard CD
$500
3.75%
▲ 1.35% above Colorado avg
▼
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
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
▼
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
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
▼
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
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
▼
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
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
▼
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
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
2108 Milestone Dr, Fort Collins, CO 80525
Certificates of Deposit - 90 Day
$0
3.00%
▲ 0.60% above Colorado avg
▼
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
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
▼
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
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
▼
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
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1526 E Harmony Rd Unit 130, Fort Collins, CO 80525 8006
3 Month Business CD
$0
2.75%
▲ 0.35% above Colorado avg
▼
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
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1526 E Harmony Rd Unit 130, Fort Collins, CO 80525 8006
3 Month Traditional CD
$0
2.75%
▲ 0.35% above Colorado avg
▼
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
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1526 E Harmony Rd Unit 130, Fort Collins, CO 80525 8006
Traditional CD - 3 Months
$0
2.75%
▲ 0.35% above Colorado avg
▼
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
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
2025 S College Ave, Fort Collins, CO 80525
3 Month Certificate
$0
2.75%
▲ 0.35% above Colorado avg
▼
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
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
2025 S College Ave, Fort Collins, CO 80525
3 Month Certificate
$500
2.50%
▲ 0.10% above Colorado avg
▼
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
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
2025 S College Ave, Fort Collins, CO 80525
Certificates (IRA, HSA) - 3 Month Certificate
$0
2.50%
▲ 0.10% above Colorado avg
▼
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
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
2420 E Harmony Rd, Fort Collins, CO 80528 3423
90 Day Traditional Certificate of Deposit (CD)
$0
2.00%
▼ 0.40% below Colorado avg
▼
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
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
2420 E Harmony Rd, Fort Collins, CO 80528 3423
90 Day Traditional Certificate of Deposit (CD)
$0
1.90%
▼ 0.50% below Colorado avg
▼
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
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
2420 E Harmony Rd, Fort Collins, CO 80528 3423
Traditional Certificate of Deposit (CD) - 90 Day
$0
1.80%
▼ 0.60% below Colorado avg
▼
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
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
2420 E Harmony Rd, Fort Collins, CO 80528 3423
Traditional Certificate of Deposit (CD) - 90 Day
$0
1.70%
▼ 0.70% below Colorado avg
▼
Rate1.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.40%▼ 0.70% below avgNationally 2.13%
Details
Deposits under $25,000; Balance: $500
Rate History
No change since Sep 14, 2026 · 1.70% APY · checked 6 times
Equitable Savings and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
300 E Horsetooth Rd, Fort Collins, CO 80525
Jumbo Certificate - 3 MONTH
$100,000
0.95%
▼ 1.45% below Colorado avg
▼
Rate0.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average2.40%▼ 1.45% below avgNationally 2.13%
Details
Public funds must call for rate
Rate History
No change since Sep 14, 2026 · 0.95% APY · checked 7 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
460 S College Ave, Fort Collins, CO 80524
Standard Fixed Rate CD 3 month - Relationship
$2,500
0.06%
▼ 2.34% below Colorado avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average2.40%▼ 2.34% below avgNationally 2.13%
Details
Relationship rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 4 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
460 S College Ave, Fort Collins, CO 80524
Standard Fixed Rate CD 3 month
$2,500
0.05%
▼ 2.35% below Colorado avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average2.40%▼ 2.35% below avgNationally 2.13%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1075 W Horsetooth Rd, Fort Collins, CO 80526
3 Month IRA Certificate of Deposit
$0
0.05%
▼ 2.35% below Colorado avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.40%▼ 2.35% below avgNationally 2.13%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1075 W Horsetooth Rd, Fort Collins, CO 80526
3 Month Standard CD
$1,000
0.05%
▼ 2.35% below Colorado avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.40%▼ 2.35% below avgNationally 2.13%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3131 S College Ave, Fort Collins, CO 80525
Certificate of Deposit - 3 Months
$1,000
0.03%
▼ 2.37% below Colorado avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average2.40%▼ 2.37% below avgNationally 2.13%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3131 S College Ave, Fort Collins, CO 80525
Certificate of Deposit - 3 Months
$1,000
0.02%
▼ 2.38% below Colorado avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average2.40%▼ 2.38% below avgNationally 2.13%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3131 S College Ave, Fort Collins, CO 80525
Certificate of Deposit - 3 Months
$1,000
0.01%
▼ 2.39% below Colorado avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average2.40%▼ 2.39% below avgNationally 2.13%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month Certificate of Deposit
$0
4.58%
▲ 2.18% above Colorado avg
▼
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%
- Oct 3, 20264.58%▲ from 4.32%
- Sep 27, 20264.32%first recorded
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3-Month Time Deposit Account Special Offer
$500
3.85%
▲ 1.45% above Colorado avg
▼
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
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
3 Month CD
$0
3.75%
▲ 1.35% above Colorado avg
▼
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%
- Oct 20, 20263.75%▲ from 3.65%
- Sep 14, 20263.65%first recorded
High Plains Bank Flagler, CO
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
3 Month Higher Yield CD
$250
3.70%
▲ 1.30% above Colorado avg
▼
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
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Month Certificates of Deposit (CD)
$0
3.70%
▲ 1.30% above Colorado avg
▼
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%
- 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%
Certificate of Deposit - 3 Months
$0
3.70%
▲ 1.30% above Colorado avg
▼
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%
- Oct 10, 20263.70%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
Share Certificates - 3-Month
$500
3.50%
▲ 1.10% above Colorado avg
▼
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
North Valley Bank Thornton, CO
Institution Rating:
A5.0 ★Texas Ratio: 13.05%
3 Month CD
$1,000
3.49%
▲ 1.09% above Colorado avg
▼
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%
- 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%
3 Month Certificate
$500
3.40%
▲ 1.00% above Colorado avg
▼
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
Holyoke Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
CD - 3 month
$500
3.29%
▲ 0.89% above Colorado avg
▼
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
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
Certificates of Deposit - 3 Month
$500
3.29%
▲ 0.89% above Colorado avg
▼
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
Golden Belt Bank, FSA
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
3 Month CD
$1,000
3.25%
▲ 0.85% above Colorado avg
▼
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
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
3-Month Certificate
$500
3.25%
▲ 0.85% above Colorado avg
▼
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
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
3-Month IRA Certificate
$500
3.25%
▲ 0.85% above Colorado avg
▼
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
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
Time Certificates - 3 months
$1,000
3.20%
▲ 0.80% above Colorado avg
▼
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
Grand Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
3 Month Time Certificate of Deposit
$500
3.20%
▲ 0.80% above Colorado avg
▼
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%
- Oct 3, 20263.20%▲ from 3.10%
- Sep 14, 20263.10%first recorded
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
3 Month Term Certificate
$500
3.10%
▲ 0.70% above Colorado avg
▼
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
Open Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
90 Day Certificate of Deposit
$1,000
3.02%
▲ 0.62% above Colorado avg
▼
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
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
Share Certificate - 3 Months
$0
3.00%
▲ 0.60% above Colorado avg
▼
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
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
CD - 3 Month
$10,000
2.75%
▲ 0.35% above Colorado avg
▼
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
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
3 Month Share Certificates
$500
2.75%
▲ 0.35% above Colorado avg
▼
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
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
Share Certificate 3 Month
$500
2.75%
▲ 0.35% above Colorado avg
▼
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
Integrity Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
Certificate of Deposit - 3 Month
$500
2.52%
▲ 0.12% above Colorado avg
▼
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
Fort Collins 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
343 N College Ave, Fort Collins, CO 80524
6 Month CD
$0
4.14%
▲ 0.93% above Colorado avg
▼
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%
- Sep 24, 20264.14%▲ from 3.90%
- Sep 14, 20263.90%first recorded
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
▼
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%
- 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%
7800 S College Ave, Fort Collins, CO 80525
6-Month CD
$500
4.00%
▲ 0.79% above Colorado avg
▼
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%
- Oct 20, 20264.00%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Canvas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
700 Whalers Way, Fort Collins, CO 80525
6-Month CD
$1,000
3.90%
▲ 0.69% above Colorado avg
▼
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
Canvas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
700 Whalers Way, Fort Collins, CO 80525
6-Month Family HSA CD
$1,000
3.90%
▲ 0.69% above Colorado avg
▼
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
Canvas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
700 Whalers Way, Fort Collins, CO 80525
6-Month Single HSA CD
$1,000
3.90%
▲ 0.69% above Colorado avg
▼
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
Canvas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
700 Whalers Way, Fort Collins, CO 80525
6-Month Youth CD
$50
3.90%
▲ 0.69% above Colorado avg
▼
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
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1526 E Harmony Rd Unit 130, Fort Collins, CO 80525 8006
6 Month Business CD
$0
3.85%
▲ 0.64% above Colorado avg
▼
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
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1526 E Harmony Rd Unit 130, Fort Collins, CO 80525 8006
6 Month IRA Jumbo CD
$0
3.85%
▲ 0.64% above Colorado avg
▼
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
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1526 E Harmony Rd Unit 130, Fort Collins, CO 80525 8006
6 Month Jumbo CD
$0
3.85%
▲ 0.64% above Colorado avg
▼
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
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1526 E Harmony Rd Unit 130, Fort Collins, CO 80525 8006
6 Month Traditional CD
$0
3.85%
▲ 0.64% above Colorado avg
▼
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
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1526 E Harmony Rd Unit 130, Fort Collins, CO 80525 8006
Jumbo CD 6 Months
$0
3.85%
▲ 0.64% above Colorado avg
▼
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
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1526 E Harmony Rd Unit 130, Fort Collins, CO 80525 8006
Traditional CD - 6 Months
$0
3.85%
▲ 0.64% above Colorado avg
▼
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
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
155 Boardwalk Dr, Fort Collins, CO 80525
6 Month CD
$500
3.60%
▲ 0.39% above Colorado avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.21%▲ 0.39% above avgNationally 2.78%
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 · 3.50% → 3.60% ▲ 0.10 pts · high 3.60% / low 3.50%
- Oct 22, 20263.60%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
155 Boardwalk Dr, Fort Collins, CO 80525
CD - 6 months
$0
3.60%
▲ 0.39% above Colorado avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.21%▲ 0.39% above avgNationally 2.78%
Details
Accurate as of 09/30/2026
Rate History
No change since Oct 2, 2026 · 3.60% APY · checked 4 times
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
2420 E Harmony Rd, Fort Collins, CO 80528 3423
6 Month Traditional Certificate of Deposit (CD)
$0
3.60%
▲ 0.39% above Colorado avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.21%▲ 0.39% above avgNationally 2.78%
Details
Deposits over $25,000; Account Balance $100,000
Rate History
No change since Oct 13, 2026 · 3.60% APY · checked 2 times
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1520 E Mulberry St, Fort Collins, CO 80524 3501
Member Merits (Gold) 6 Month Certificate
$0
3.55%
▲ 0.34% above Colorado avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.21%▲ 0.34% above avgNationally 2.78%
Details
Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; Dividend Rate 3.49%
Rate History
No change since Oct 13, 2026 · 3.55% APY · checked 2 times
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
2420 E Harmony Rd, Fort Collins, CO 80528 3423
6 Month Traditional Certificate of Deposit (CD)
$0
3.51%
▲ 0.30% above Colorado avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.21%▲ 0.30% above avgNationally 2.78%
Details
Deposits over $25,000; Account Balance $25,000
Rate History
No change since Oct 13, 2026 · 3.51% APY · checked 2 times
First Technology Federal Credit Union
2720 Council Tree Ave Ste 188, Fort Collins, CO 80525
Traditional Share Certificates - 6-Month
$100,000
3.50%
▲ 0.29% above Colorado avg
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.21%▲ 0.29% above avgNationally 2.78%
Details
Balance: $100,000.00 and over
Rate History
No change since Oct 22, 2026 · 3.50% APY
First Technology Federal Credit Union
2720 Council Tree Ave Ste 188, Fort Collins, CO 80525
IRA Certificates - 6-Month
$100,000
3.50%
▲ 0.29% above Colorado avg
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.21%▲ 0.29% above avgNationally 2.78%
Details
Balance: 100,000.00 and over
Rate History
No change since Oct 22, 2026 · 3.50% APY
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1520 E Mulberry St, Fort Collins, CO 80524 3501
6 Month Certificate
$0
3.50%
▲ 0.29% above Colorado avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.21%▲ 0.29% above avgNationally 2.78%
Details
APY accurate as of 09/22/2026; subject to penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.50% ▼ 0.05 pts · high 3.55% / low 3.50%
- Sep 18, 20263.50%▼ from 3.55%
- Sep 14, 20263.55%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1520 E Mulberry St, Fort Collins, CO 80524 3501
Business Certificate of Deposit - 6 Month Certificate
$0
3.50%
▲ 0.29% above Colorado avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.21%▲ 0.29% above avgNationally 2.78%
Details
Business Certificate of Deposit; Min. Balance/Average Daily Balance $1,000; Subject to penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
2420 E Harmony Rd, Fort Collins, CO 80528 3423
Traditional Certificate of Deposit (CD) - 6 Month
$0
3.40%
▲ 0.19% above Colorado avg
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.21%▲ 0.19% above avgNationally 2.78%
Details
Deposits under $25,000; Balance: $10,000
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 6 times
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
2420 E Harmony Rd, Fort Collins, CO 80528 3423
Traditional Certificate of Deposit (CD) - 6 Month
$0
3.30%
▲ 0.09% above Colorado avg
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.21%▲ 0.09% above avgNationally 2.78%
Details
Deposits under $25,000; Balance: $500
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 6 times
First Technology Federal Credit Union
2720 Council Tree Ave Ste 188, Fort Collins, CO 80525
Traditional Share Certificates - 6-Month
$500
3.25%
▲ 0.04% above Colorado avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.21%▲ 0.04% above avgNationally 2.78%
Details
Balance: $0.01 - $99,999.99
Rate History
No change since Oct 22, 2026 · 3.25% APY
First Technology Federal Credit Union
2720 Council Tree Ave Ste 188, Fort Collins, CO 80525
IRA Certificates - 6-Month
$500
3.25%
▲ 0.04% above Colorado avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.21%▲ 0.04% above avgNationally 2.78%
Details
Balance: 500.00 - 99,999.99
Rate History
No change since Oct 22, 2026 · 3.25% APY
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
2025 S College Ave, Fort Collins, CO 80525
6 Month Certificate
$0
3.25%
▲ 0.04% above Colorado avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.21%▲ 0.04% above avgNationally 2.78%
Details
Standard (Min Balance: $500); Highest APY includes 0.25% boost with active Summit Dividend Checking
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
SouthState Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1550 E Harmony Rd, Fort Collins, CO 80525
6 Month Certificate of Deposit
$1,000
3.15%
▼ 0.06% below Colorado avg
▼
Rate3.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.21%▼ 0.06% below avgNationally 2.78%
Details
Advertised interest rates and APY for CDs are subject to change prior to account opening and fixed upon opening for the term. APY assumes monthly compounding.
Rate History
No change since Oct 22, 2026 · 3.15% APY
Equitable Savings and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
300 E Horsetooth Rd, Fort Collins, CO 80525
IRA Fixed - 6 MONTH IRA
$2,000
3.15%
▼ 0.06% below Colorado avg
▼
Rate3.10%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average3.21%▼ 0.06% below avgNationally 2.78%
Details
Penalty: 3 MO
Rate History
No change since Oct 21, 2026 · 3.15% APY
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
2108 Milestone Dr, Fort Collins, CO 80525
Certificates of Deposit - 180 Day
$0
3.10%
▼ 0.11% below Colorado avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.21%▼ 0.11% below avgNationally 2.78%
Details
Balance: $1,000 or more
Rate History
No change since Oct 14, 2026 · 3.10% APY · checked 2 times
Equitable Savings and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
300 E Horsetooth Rd, Fort Collins, CO 80525
Jumbo Certificate - 6 MONTH
$100,000
3.10%
▼ 0.11% below Colorado avg
▼
Rate3.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average3.21%▼ 0.11% below avgNationally 2.78%
Details
Public funds must call for rate
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 7 times
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
2025 S College Ave, Fort Collins, CO 80525
Certificates (IRA, HSA) - Jumbo 6 Month
$0
3.10%
▼ 0.11% below Colorado avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.21%▼ 0.11% below avgNationally 2.78%
Details
Jumbo (N/A Business) (Min Balance $100,000)
Rate History
No change since Oct 14, 2026 · 3.10% APY · checked 2 times
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
2025 S College Ave, Fort Collins, CO 80525
6 Month Certificate
$500
3.00%
▼ 0.21% below Colorado avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.21%▼ 0.21% below avgNationally 2.78%
Details
Standard Certificates of Deposit (CD)
Rate History
No change since Sep 22, 2026 · 3.00% APY · checked 6 times
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
2025 S College Ave, Fort Collins, CO 80525
Certificates (IRA, HSA) - 6 Month Certificate
$0
3.00%
▼ 0.21% below Colorado avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.21%▼ 0.21% below avgNationally 2.78%
Details
Standard (Min Balance: $100)
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
Adams Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
7800 S College Ave, Fort Collins, CO 80525
6-Month CD
$500
2.90%
▼ 0.31% below Colorado avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.21%▼ 0.31% below avgNationally 2.78%
Details
Balance: $0.00 - $9,999.99
Rate History
1 change since Sep 14, 2026 · 2.75% → 2.90% ▲ 0.15 pts · high 2.90% / low 2.75%
- Oct 20, 20262.90%▲ from 2.75%
- Sep 14, 20262.75%first recorded
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
460 S College Ave, Fort Collins, CO 80524
Standard Fixed Rate CD 6 month - Relationship
$2,500
0.06%
▼ 3.15% below Colorado avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.21%▼ 3.15% below avgNationally 2.78%
Details
Relationship rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 4 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
460 S College Ave, Fort Collins, CO 80524
Standard Fixed Rate CD 6 month
$2,500
0.05%
▼ 3.16% below Colorado avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.21%▼ 3.16% below avgNationally 2.78%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 4 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1075 W Horsetooth Rd, Fort Collins, CO 80526
6 Month IRA Certificate of Deposit
$0
0.05%
▼ 3.16% below Colorado avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.21%▼ 3.16% below avgNationally 2.78%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1075 W Horsetooth Rd, Fort Collins, CO 80526
6 Month Standard CD
$1,000
0.05%
▼ 3.16% below Colorado avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.21%▼ 3.16% below avgNationally 2.78%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3131 S College Ave, Fort Collins, CO 80525
Certificate of Deposit - 6 Months
$1,000
0.03%
▼ 3.18% below Colorado avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.21%▼ 3.18% below avgNationally 2.78%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3131 S College Ave, Fort Collins, CO 80525
IRA CD 6 Months
$250
0.03%
▼ 3.18% below Colorado avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.21%▼ 3.18% below avgNationally 2.78%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3131 S College Ave, Fort Collins, CO 80525
Certificate of Deposit - 6 Months
$1,000
0.02%
▼ 3.19% below Colorado avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.21%▼ 3.19% below avgNationally 2.78%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3131 S College Ave, Fort Collins, CO 80525
IRA CD 6 Months
$250
0.02%
▼ 3.19% below Colorado avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.21%▼ 3.19% below avgNationally 2.78%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3131 S College Ave, Fort Collins, CO 80525
Certificate of Deposit - 6 Months
$1,000
0.01%
▼ 3.20% below Colorado avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.21%▼ 3.20% below avgNationally 2.78%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3131 S College Ave, Fort Collins, CO 80525
IRA CD 6 Months
$250
0.01%
▼ 3.20% below Colorado avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.21%▼ 3.20% below avgNationally 2.78%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
Fixed-rate Certificate of Deposit - 6 months
$50,000
4.35%
▲ 1.14% above Colorado avg
▼
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
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month Certificate of Deposit
$0
4.30%
▲ 1.09% above Colorado avg
▼
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%
- 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%
6 Month IRA Certificate of Deposit
$0
4.18%
▲ 0.97% above Colorado avg
▼
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
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
6 Month CD
$0
4.15%
▲ 0.94% above Colorado avg
▼
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
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
6-Month CD
$1,000
4.15%
▲ 0.94% above Colorado avg
▼
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%
- Oct 22, 20264.15%▼ from 4.40%
- Oct 12, 20264.40%▲ from 4.35%
- Sep 16, 20264.35%first recorded
Fort Collins 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
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
▼
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%
- 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%
1250 E Magnolia St, Fort Collins, CO 80524
12 Month Certificate of Deposit
$500
4.20%
▲ 0.91% above Colorado avg
▼
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%
- Oct 2, 20264.20%▲ from 3.75%
- Sep 18, 20263.75%first recorded
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
343 N College Ave, Fort Collins, CO 80524
12 Month CD
$0
3.95%
▲ 0.66% above Colorado avg
▼
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
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1526 E Harmony Rd Unit 130, Fort Collins, CO 80525 8006
12 Month Business CD
$0
3.90%
▲ 0.61% above Colorado avg
▼
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
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1526 E Harmony Rd Unit 130, Fort Collins, CO 80525 8006
12 Month HSA CD
$0
3.90%
▲ 0.61% above Colorado avg
▼
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
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1526 E Harmony Rd Unit 130, Fort Collins, CO 80525 8006
12 Month IRA Jumbo CD
$0
3.90%
▲ 0.61% above Colorado avg
▼
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
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1526 E Harmony Rd Unit 130, Fort Collins, CO 80525 8006
12 Month Jumbo CD
$0
3.90%
▲ 0.61% above Colorado avg
▼
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
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1526 E Harmony Rd Unit 130, Fort Collins, CO 80525 8006
12 Month Traditional CD
$0
3.90%
▲ 0.61% above Colorado avg
▼
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
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1526 E Harmony Rd Unit 130, Fort Collins, CO 80525 8006
12 Month Youth CD
$0
3.90%
▲ 0.61% above Colorado avg
▼
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
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1526 E Harmony Rd Unit 130, Fort Collins, CO 80525 8006
Jumbo CD 12 Months
$0
3.90%
▲ 0.61% above Colorado avg
▼
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
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1526 E Harmony Rd Unit 130, Fort Collins, CO 80525 8006
Traditional CD - 12 Months
$0
3.90%
▲ 0.61% above Colorado avg
▼
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
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1526 E Harmony Rd Unit 130, Fort Collins, CO 80525 8006
Youth CD - 12 Months
$50
3.90%
▲ 0.61% above Colorado avg
▼
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
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
▼
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%
- Oct 22, 20263.85%▲ 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
CD - 12 months
$0
3.85%
▲ 0.56% above Colorado avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.29%▲ 0.56% above avgNationally 2.99%
Details
Accurate as of 09/30/2026
Rate History
No change since Oct 2, 2026 · 3.85% APY · checked 4 times
Canvas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
700 Whalers Way, Fort Collins, CO 80525
12-Month CD
$1,000
3.85%
▲ 0.56% above Colorado avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.29%▲ 0.56% above avgNationally 2.99%
Details
Rate History
No change since Oct 22, 2026 · 3.85% APY
Canvas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
700 Whalers Way, Fort Collins, CO 80525
12-Month Family HSA CD
$1,000
3.85%
▲ 0.56% above Colorado avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.29%▲ 0.56% above avgNationally 2.99%
Details
Health Savings Account CD - family
Rate History
No change since Oct 22, 2026 · 3.85% APY
Canvas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
700 Whalers Way, Fort Collins, CO 80525
12-Month IRA CD
$2,500
3.85%
▲ 0.56% above Colorado avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.29%▲ 0.56% above avgNationally 2.99%
Details
IRA certificate; interest compounded and credited quarterly
Rate History
No change since Oct 22, 2026 · 3.85% APY
Canvas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
700 Whalers Way, Fort Collins, CO 80525
12-Month Single HSA CD
$1,000
3.85%
▲ 0.56% above Colorado avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.29%▲ 0.56% above avgNationally 2.99%
Details
Health Savings Account CD - single
Rate History
No change since Oct 22, 2026 · 3.85% APY
Wings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
243 N College Ave, Fort Collins, CO 80524
12 Month Certificate
$0
3.85%
▲ 0.56% above Colorado avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Colorado Average3.29%▲ 0.56% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
2420 E Harmony Rd, Fort Collins, CO 80528 3423
1 Year Traditional Certificate of Deposit (CD)
$0
3.80%
▲ 0.51% above Colorado avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.29%▲ 0.51% above avgNationally 2.99%
Details
Deposits over $25,000; Account Balance $100,000
Rate History
No change since Oct 13, 2026 · 3.80% APY · checked 2 times
First Technology Federal Credit Union
2720 Council Tree Ave Ste 188, Fort Collins, CO 80525
Traditional Share Certificates - 12-Month
$100,000
3.75%
▲ 0.46% above Colorado avg
▼
Rate3.69%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.29%▲ 0.46% above avgNationally 2.99%
Details
Balance: $100,000.00 and over
Rate History
No change since Oct 22, 2026 · 3.75% APY
First Technology Federal Credit Union
2720 Council Tree Ave Ste 188, Fort Collins, CO 80525
IRA Certificates - 12-Month
$100,000
3.75%
▲ 0.46% above Colorado avg
▼
Rate3.69%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.29%▲ 0.46% above avgNationally 2.99%
Details
Balance: 100,000.00 and over
Rate History
No change since Oct 22, 2026 · 3.75% APY
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
2420 E Harmony Rd, Fort Collins, CO 80528 3423
1 Year Traditional Certificate of Deposit (CD)
$0
3.70%
▲ 0.41% above Colorado avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.29%▲ 0.41% above avgNationally 2.99%
Details
Deposits over $25,000; Account Balance $25,000
Rate History
No change since Oct 13, 2026 · 3.70% APY · checked 2 times
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
2420 E Harmony Rd, Fort Collins, CO 80528 3423
Traditional Certificate of Deposit (CD) - 1 Year
$0
3.60%
▲ 0.31% above Colorado avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.29%▲ 0.31% above avgNationally 2.99%
Details
Deposits under $25,000; Balance: $10,000
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1520 E Mulberry St, Fort Collins, CO 80524 3501
Member Merits (Gold) 12 Month Certificate
$0
3.60%
▲ 0.31% above Colorado avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.29%▲ 0.31% above avgNationally 2.99%
Details
Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; Dividend Rate 3.54%
Rate History
No change since Oct 13, 2026 · 3.60% APY · checked 2 times
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1520 E Mulberry St, Fort Collins, CO 80524 3501
12 Month Certificate
$0
3.55%
▲ 0.26% above Colorado avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.29%▲ 0.26% above avgNationally 2.99%
Details
APY accurate as of 09/22/2026; subject to penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.55% ▼ 0.05 pts · high 3.60% / low 3.55%
- Sep 18, 20263.55%▼ from 3.60%
- Sep 14, 20263.60%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1520 E Mulberry St, Fort Collins, CO 80524 3501
Business Certificate of Deposit - 12 Month Certificate
$0
3.55%
▲ 0.26% above Colorado avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.29%▲ 0.26% above avgNationally 2.99%
Details
Business Certificate of Deposit; Min. Balance/Average Daily Balance $1,000; Subject to penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
2420 E Harmony Rd, Fort Collins, CO 80528 3423
Traditional Certificate of Deposit (CD) - 1 Year
$0
3.51%
▲ 0.22% above Colorado avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.29%▲ 0.22% above avgNationally 2.99%
Details
Deposits under $25,000; Balance: $500
Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 6 times
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
2108 Milestone Dr, Fort Collins, CO 80525
Certificates of Deposit - 12 Month
$0
3.50%
▲ 0.21% above Colorado avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.29%▲ 0.21% above avgNationally 2.99%
Details
Balance: $1,000 or more
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
First Technology Federal Credit Union
2720 Council Tree Ave Ste 188, Fort Collins, CO 80525
Traditional Share Certificates - 12-Month
$500
3.50%
▲ 0.21% above Colorado avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.29%▲ 0.21% above avgNationally 2.99%
Details
Balance: $0.01 - $99,999.99
Rate History
No change since Oct 22, 2026 · 3.50% APY
First Technology Federal Credit Union
2720 Council Tree Ave Ste 188, Fort Collins, CO 80525
IRA Certificates - 12-Month
$500
3.50%
▲ 0.21% above Colorado avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.29%▲ 0.21% above avgNationally 2.99%
Details
Balance: 500.00 - 99,999.99
Rate History
No change since Oct 22, 2026 · 3.50% APY
Equitable Savings and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
300 E Horsetooth Rd, Fort Collins, CO 80525
IRA Fixed - 12 MONTH IRA
$2,000
3.25%
▼ 0.04% below Colorado avg
▼
Rate3.20%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average3.29%▼ 0.04% below avgNationally 2.99%
Details
Penalty: 6 MO
Rate History
No change since Oct 21, 2026 · 3.25% APY
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
2025 S College Ave, Fort Collins, CO 80525
12 Month Certificate
$0
3.25%
▼ 0.04% below Colorado avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.29%▼ 0.04% below avgNationally 2.99%
Details
Standard (Min Balance: $500); Highest APY includes 0.25% boost with active Summit Dividend Checking
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
Equitable Savings and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
300 E Horsetooth Rd, Fort Collins, CO 80525
Jumbo Certificate - 12 MONTH
$100,000
3.20%
▼ 0.09% below Colorado avg
▼
Rate3.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average3.29%▼ 0.09% below avgNationally 2.99%
Details
Public funds must call for rate
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 7 times
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
2025 S College Ave, Fort Collins, CO 80525
Certificates (IRA, HSA) - Jumbo 12 Month
$0
3.10%
▼ 0.19% below Colorado avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.29%▼ 0.19% below avgNationally 2.99%
Details
Jumbo (N/A Business) (Min Balance $100,000)
Rate History
No change since Oct 14, 2026 · 3.10% APY · checked 2 times
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
2025 S College Ave, Fort Collins, CO 80525
12 Month Certificate
$500
3.00%
▼ 0.29% below Colorado avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.29%▼ 0.29% below avgNationally 2.99%
Details
Standard Certificates of Deposit (CD)
Rate History
No change since Sep 22, 2026 · 3.00% APY · checked 6 times
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
2025 S College Ave, Fort Collins, CO 80525
12 Month First Tracks Certificate
$0
3.00%
▼ 0.29% below Colorado avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.29%▼ 0.29% below avgNationally 2.99%
Details
Standard (Min Balance $100)
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
2025 S College Ave, Fort Collins, CO 80525
Certificates (IRA, HSA) - 12 Month Certificate
$0
3.00%
▼ 0.29% below Colorado avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.29%▼ 0.29% below avgNationally 2.99%
Details
Standard (Min Balance: $100)
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
SouthState Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1550 E Harmony Rd, Fort Collins, CO 80525
12 Month Certificate of Deposit
$1,000
1.75%
▼ 1.54% below Colorado avg
▼
Rate1.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.29%▼ 1.54% below avgNationally 2.99%
Details
Advertised interest rates and APY for CDs are subject to change prior to account opening and fixed upon opening for the term. APY assumes monthly compounding.
Rate History
No change since Oct 22, 2026 · 1.75% APY
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
460 S College Ave, Fort Collins, CO 80524
Standard Fixed Rate CD 1 year - Relationship
$2,500
1.51%
▼ 1.78% below Colorado avg
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.29%▼ 1.78% below avgNationally 2.99%
Details
Relationship rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 1.51% APY · checked 4 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
460 S College Ave, Fort Collins, CO 80524
Standard Fixed Rate CD 1 year
$2,500
1.50%
▼ 1.79% below Colorado avg
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.29%▼ 1.79% below avgNationally 2.99%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 1.50% APY · checked 4 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1075 W Horsetooth Rd, Fort Collins, CO 80526
12 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.54% below Colorado avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.29%▼ 2.54% below avgNationally 2.99%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1075 W Horsetooth Rd, Fort Collins, CO 80526
12 Month Standard CD
$1,000
0.75%
▼ 2.54% below Colorado avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.29%▼ 2.54% below avgNationally 2.99%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3131 S College Ave, Fort Collins, CO 80525
Certificate of Deposit - 12 Months
$1,000
0.03%
▼ 3.26% below Colorado avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.29%▼ 3.26% below avgNationally 2.99%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3131 S College Ave, Fort Collins, CO 80525
IRA CD 12 Months
$250
0.03%
▼ 3.26% below Colorado avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.29%▼ 3.26% below avgNationally 2.99%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3131 S College Ave, Fort Collins, CO 80525
Certificate of Deposit - 12 Months
$1,000
0.02%
▼ 3.27% below Colorado avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.29%▼ 3.27% below avgNationally 2.99%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3131 S College Ave, Fort Collins, CO 80525
IRA CD 12 Months
$250
0.02%
▼ 3.27% below Colorado avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.29%▼ 3.27% below avgNationally 2.99%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3131 S College Ave, Fort Collins, CO 80525
Certificate of Deposit - 12 Months
$1,000
0.01%
▼ 3.28% below Colorado avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.29%▼ 3.28% below avgNationally 2.99%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3131 S College Ave, Fort Collins, CO 80525
IRA CD 12 Months
$250
0.01%
▼ 3.28% below Colorado avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.29%▼ 3.28% below avgNationally 2.99%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
NuVista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month DREAM Certificate
$100
5.12%
▲ 1.83% above Colorado avg
▼
Rate5.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 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
Fort Collins 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
1250 E Magnolia St, Fort Collins, CO 80524
18 Month Certificate of Deposit
$500
4.40%
▲ 1.27% above Colorado avg
▼
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%
- 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
▼
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%
- Oct 7, 20264.35%▲ from 4.05%
- Sep 24, 20264.05%▲ from 3.90%
- Sep 18, 20263.90%first recorded
Canvas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
700 Whalers Way, Fort Collins, CO 80525
18-Month CD
$1,000
3.95%
▲ 0.82% above Colorado avg
▼
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
Canvas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
700 Whalers Way, Fort Collins, CO 80525
18-Month Family HSA CD
$1,000
3.95%
▲ 0.82% above Colorado avg
▼
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
Canvas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
700 Whalers Way, Fort Collins, CO 80525
18-Month IRA CD
$2,500
3.95%
▲ 0.82% above Colorado avg
▼
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
Canvas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
700 Whalers Way, Fort Collins, CO 80525
18-Month Single HSA CD
$1,000
3.95%
▲ 0.82% above Colorado avg
▼
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
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
▼
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
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
▼
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
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
▼
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
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
343 N College Ave, Fort Collins, CO 80524
18 Month CD
$0
3.60%
▲ 0.47% above Colorado avg
▼
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
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
▼
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
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
▼
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
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1520 E Mulberry St, Fort Collins, CO 80524 3501
Member Merits (Gold) 18 Month Certificate
$0
3.30%
▲ 0.17% above Colorado avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.13%▲ 0.17% above avgNationally 2.88%
Details
Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; Dividend Rate 3.25%
Rate History
No change since Oct 13, 2026 · 3.30% APY · checked 2 times
Equitable Savings and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
300 E Horsetooth Rd, Fort Collins, CO 80525
IRA Fixed - IRA 18 MONTH CD
$100
3.25%
▲ 0.12% above Colorado avg
▼
Rate3.20%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average3.13%▲ 0.12% above avgNationally 2.88%
Details
Penalty: 6 MO
Rate History
No change since Oct 21, 2026 · 3.25% APY
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1520 E Mulberry St, Fort Collins, CO 80524 3501
18 Month Certificate
$0
3.25%
▲ 0.12% above Colorado avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.13%▲ 0.12% above avgNationally 2.88%
Details
APY accurate as of 09/22/2026; subject to penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25%
- Sep 18, 20263.25%▼ from 3.30%
- Sep 14, 20263.30%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1520 E Mulberry St, Fort Collins, CO 80524 3501
Business Certificate of Deposit - 18 Month Certificate
$0
3.25%
▲ 0.12% above Colorado avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.13%▲ 0.12% above avgNationally 2.88%
Details
Business Certificate of Deposit; Min. Balance/Average Daily Balance $1,000; Subject to penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
2420 E Harmony Rd, Fort Collins, CO 80528 3423
18 Month Traditional Certificate of Deposit (CD)
$0
3.15%
▲ 0.02% above Colorado avg
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.13%▲ 0.02% above avgNationally 2.88%
Details
Deposits over $25,000; Account Balance $100,000
Rate History
No change since Oct 13, 2026 · 3.15% APY · checked 2 times
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
2420 E Harmony Rd, Fort Collins, CO 80528 3423
18 Month Traditional Certificate of Deposit (CD)
$0
3.05%
▼ 0.08% below Colorado avg
▼
Rate3.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.13%▼ 0.08% below avgNationally 2.88%
Details
Deposits over $25,000; Account Balance $25,000
Rate History
No change since Oct 13, 2026 · 3.05% APY · checked 2 times
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
2420 E Harmony Rd, Fort Collins, CO 80528 3423
Traditional Certificate of Deposit (CD) - 18 Month
$0
2.95%
▼ 0.18% below Colorado avg
▼
Rate2.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.13%▼ 0.18% below avgNationally 2.88%
Details
Deposits under $25,000; Balance: $10,000
Rate History
No change since Sep 14, 2026 · 2.95% APY · checked 6 times
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
2420 E Harmony Rd, Fort Collins, CO 80528 3423
Traditional Certificate of Deposit (CD) - 18 Month
$0
2.85%
▼ 0.28% below Colorado avg
▼
Rate2.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.13%▼ 0.28% below avgNationally 2.88%
Details
Deposits under $25,000; Balance: $500
Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 6 times
Adams Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
7800 S College Ave, Fort Collins, CO 80525
18 MONTH FIXED IRA
$500
2.75%
▼ 0.38% below Colorado avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.13%▼ 0.38% below avgNationally 2.88%
Details
Balance: $0.00 - $9,999.99; A penalty may be imposed for early withdrawal
Rate History
No change since Sep 27, 2026 · 2.75% APY · checked 2 times
Adams Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
7800 S College Ave, Fort Collins, CO 80525
18 MONTH VARIABLE IRA
$500
2.75%
▼ 0.38% below Colorado avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.13%▼ 0.38% below avgNationally 2.88%
Details
Balance: $0.00 - $9,999.99; Variable rate; A penalty may be imposed for early withdrawal
Rate History
No change since Sep 27, 2026 · 2.75% APY · checked 2 times
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
2025 S College Ave, Fort Collins, CO 80525
18 Month Certificate
$0
2.75%
▼ 0.38% below Colorado avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.13%▼ 0.38% below avgNationally 2.88%
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
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
2025 S College Ave, Fort Collins, CO 80525
18 Month Certificate
$500
2.50%
▼ 0.63% below Colorado avg
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.13%▼ 0.63% below avgNationally 2.88%
Details
Standard Certificates of Deposit (CD)
Rate History
No change since Sep 22, 2026 · 2.50% APY · checked 6 times
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
2025 S College Ave, Fort Collins, CO 80525
Certificates (IRA, HSA) - 18 Month Certificate
$0
2.50%
▼ 0.63% below Colorado avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.13%▼ 0.63% below avgNationally 2.88%
Details
Standard (Min Balance: $100)
Rate History
No change since Oct 14, 2026 · 2.50% APY · checked 2 times
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1526 E Harmony Rd Unit 130, Fort Collins, CO 80525 8006
18 Month Smart Move CD
$2,500
2.40%
▼ 0.73% below Colorado avg
▼
Rate2.37%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.13%▼ 0.73% below avgNationally 2.88%
Details
Minimum Balance to Earn APY: $1,000
Rate History
No change since Sep 14, 2026 · 2.40% APY · checked 9 times
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1526 E Harmony Rd Unit 130, Fort Collins, CO 80525 8006
Smart Move CD - 18 Months
$2,500
2.40%
▼ 0.73% below Colorado avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.13%▼ 0.73% below avgNationally 2.88%
Details
Smart Move CD; start with a minimum of $2,500; one-time bump-up option
Rate History
No change since Oct 14, 2026 · 2.40% APY · checked 2 times
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
123 N College Ave, Fort Collins, CO 80524
Variable Rate IRA - 18 Month Variable
$0
1.97%
▼ 1.16% below Colorado avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.13%▼ 1.16% below avgNationally 2.88%
Details
Variable Rate Individual Retirement Account; rate subject to change after account is opened; no minimum balance required to open or obtain APY
Rate History
No change since Oct 20, 2026 · 1.97% APY
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1075 W Horsetooth Rd, Fort Collins, CO 80526
18 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.38% below Colorado avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.13%▼ 2.38% below avgNationally 2.88%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1075 W Horsetooth Rd, Fort Collins, CO 80526
18 Month Standard CD
$1,000
0.75%
▼ 2.38% below Colorado avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.13%▼ 2.38% below avgNationally 2.88%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3131 S College Ave, Fort Collins, CO 80525
Certificate of Deposit - 18 Months
$1,000
0.03%
▼ 3.10% below Colorado avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.13%▼ 3.10% below avgNationally 2.88%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3131 S College Ave, Fort Collins, CO 80525
IRA CD 18 Months
$250
0.03%
▼ 3.10% below Colorado avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.13%▼ 3.10% below avgNationally 2.88%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3131 S College Ave, Fort Collins, CO 80525
Certificate of Deposit - 18 Months
$1,000
0.02%
▼ 3.11% below Colorado avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.13%▼ 3.11% below avgNationally 2.88%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3131 S College Ave, Fort Collins, CO 80525
IRA CD 18 Months
$250
0.02%
▼ 3.11% below Colorado avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.13%▼ 3.11% below avgNationally 2.88%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3131 S College Ave, Fort Collins, CO 80525
Certificate of Deposit - 18 Months
$1,000
0.01%
▼ 3.12% below Colorado avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.13%▼ 3.12% below avgNationally 2.88%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3131 S College Ave, Fort Collins, CO 80525
IRA CD 18 Months
$250
0.01%
▼ 3.12% below Colorado avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.13%▼ 3.12% below avgNationally 2.88%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
Fixed-rate Certificate of Deposit - 18 months
$50,000
4.51%
▲ 1.38% above Colorado avg
▼
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
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
18-Month CD
$1,000
4.35%
▲ 1.22% above Colorado avg
▼
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%
- 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%
Certificate of Deposit - 18 Month
$0
4.35%
▲ 1.22% above Colorado avg
▼
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
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
18 Month CD
$0
4.30%
▲ 1.17% above Colorado avg
▼
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%
- 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%
18 Month Short-Term Certificate
$0
4.15%
▲ 1.02% above Colorado avg
▼
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
First National Bank Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 18 Month
$500
4.11%
▲ 0.98% above Colorado avg
▼
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
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.10%
▲ 0.97% above Colorado avg
▼
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
Farmers State Bank of Calhan
Institution Rating:
A-4.3 ★Texas Ratio: 3.71%
Certificate of Deposit - 18 Months Special
$500
4.10%
▲ 0.97% above Colorado avg
▼
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
Sunwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
18 Month Certificates/IRA
$0
4.10%
▲ 0.97% above Colorado avg
▼
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
Yuma County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificate of Deposit
$50,000
4.08%
▲ 0.95% above Colorado avg
▼
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%
- Oct 15, 20264.08%▲ from 3.56%
- Sep 25, 20263.56%first recorded
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
18 Month CD
$0
3.85%
▲ 0.72% above Colorado avg
▼
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%
- 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%
18 Month Certificates of Deposit
$10,000
3.82%
▲ 0.69% above Colorado avg
▼
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%
- Oct 12, 20263.82%▼ from 4.08%
- Sep 25, 20264.08%first recorded
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Jumbo Certificates of Deposit & Greater - 18 Month
$0
3.80%
▲ 0.67% above Colorado avg
▼
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
North Valley Bank Thornton, CO
Institution Rating:
A5.0 ★Texas Ratio: 13.05%
IRA 18 Month Fixed Rate CD
$100,000
3.80%
▲ 0.67% above Colorado avg
▼
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
Fort Collins 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
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
▼
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%
- Oct 14, 20264.40%▲ from 4.00%
- Sep 24, 20264.00%▲ from 3.95%
- Sep 18, 20263.95%first recorded
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1526 E Harmony Rd Unit 130, Fort Collins, CO 80525 8006
24 Month Business CD
$0
4.00%
▲ 0.90% above Colorado avg
▼
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
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1526 E Harmony Rd Unit 130, Fort Collins, CO 80525 8006
24 Month HSA CD
$0
4.00%
▲ 0.90% above Colorado avg
▼
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
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1526 E Harmony Rd Unit 130, Fort Collins, CO 80525 8006
24 Month Traditional CD
$0
4.00%
▲ 0.90% above Colorado avg
▼
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
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1526 E Harmony Rd Unit 130, Fort Collins, CO 80525 8006
Traditional CD - 24 Months
$0
4.00%
▲ 0.90% above Colorado avg
▼
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
Wings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
243 N College Ave, Fort Collins, CO 80524
24 Month Standard CD
$500
3.90%
▲ 0.80% above Colorado avg
▼
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
Canvas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
700 Whalers Way, Fort Collins, CO 80525
24-Month CD
$1,000
3.85%
▲ 0.75% above Colorado avg
▼
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
Canvas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
700 Whalers Way, Fort Collins, CO 80525
24-Month Family HSA CD
$1,000
3.85%
▲ 0.75% above Colorado avg
▼
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
Canvas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
700 Whalers Way, Fort Collins, CO 80525
24-Month IRA CD
$2,500
3.85%
▲ 0.75% above Colorado avg
▼
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
Canvas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
700 Whalers Way, Fort Collins, CO 80525
24-Month Single HSA CD
$1,000
3.85%
▲ 0.75% above Colorado avg
▼
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
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
2108 Milestone Dr, Fort Collins, CO 80525
Certificates of Deposit - 24 Month
$0
3.60%
▲ 0.50% above Colorado avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.10%▲ 0.50% above avgNationally 2.90%
Details
Balance: $1,000 or more
Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 2 times
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
1250 E Magnolia St, Fort Collins, CO 80524
24 Month Certificate of Deposit
$500
3.51%
▲ 0.41% above Colorado avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.10%▲ 0.41% above avgNationally 2.90%
Details
Rate History
1 change since Sep 18, 2026 · 3.10% → 3.51% ▲ 0.41 pts · high 3.51% / low 3.10%
- Oct 2, 20263.51%▲ from 3.10%
- Sep 18, 20263.10%first recorded
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
155 Boardwalk Dr, Fort Collins, CO 80525
CD - 24 months
$0
3.50%
▲ 0.40% above Colorado avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.10%▲ 0.40% above avgNationally 2.90%
Details
Accurate as of 09/30/2026
Rate History
No change since Oct 2, 2026 · 3.50% APY · checked 4 times
First Technology Federal Credit Union
2720 Council Tree Ave Ste 188, Fort Collins, CO 80525
Bump Up Share Certificates - 24-Month Bump Up
$100,000
3.50%
▲ 0.40% above Colorado avg
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.10%▲ 0.40% above avgNationally 2.90%
Details
Balance: $100,000 +
Rate History
No change since Oct 22, 2026 · 3.50% APY
First Technology Federal Credit Union
2720 Council Tree Ave Ste 188, Fort Collins, CO 80525
IRA Certificates - 24-Month Bump Up
$100,000
3.50%
▲ 0.40% above Colorado avg
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.10%▲ 0.40% above avgNationally 2.90%
Details
Balance: 100,000.00 and over
Rate History
No change since Oct 22, 2026 · 3.50% APY
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1526 E Harmony Rd Unit 130, Fort Collins, CO 80525 8006
24 Month Smart Move CD
$2,500
3.40%
▲ 0.30% above Colorado avg
▼
Rate3.35%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.10%▲ 0.30% above avgNationally 2.90%
Details
Minimum Balance to Earn APY: $1,000
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 9 times
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1526 E Harmony Rd Unit 130, Fort Collins, CO 80525 8006
Smart Move CD - 24 Months
$2,500
3.40%
▲ 0.30% above Colorado avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.10%▲ 0.30% above avgNationally 2.90%
Details
Smart Move CD; start with a minimum of $2,500; one-time bump-up option
Rate History
No change since Oct 14, 2026 · 3.40% APY · checked 2 times
Equitable Savings and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
300 E Horsetooth Rd, Fort Collins, CO 80525
IRA Fixed - 24 MONTH IRA
$2,000
3.35%
▲ 0.25% above Colorado avg
▼
Rate3.30%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average3.10%▲ 0.25% above avgNationally 2.90%
Details
Penalty: 9 MO
Rate History
No change since Oct 21, 2026 · 3.35% APY
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
2420 E Harmony Rd, Fort Collins, CO 80528 3423
2 Year Traditional Certificate of Deposit (CD)
$0
3.35%
▲ 0.25% above Colorado avg
▼
Rate3.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.10%▲ 0.25% above avgNationally 2.90%
Details
Deposits over $25,000; Account Balance $100,000
Rate History
No change since Oct 13, 2026 · 3.35% APY · checked 2 times
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1520 E Mulberry St, Fort Collins, CO 80524 3501
Member Merits (Gold) 24 Month Certificate
$0
3.30%
▲ 0.20% above Colorado avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.10%▲ 0.20% above avgNationally 2.90%
Details
Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; Dividend Rate 3.25%
Rate History
No change since Oct 13, 2026 · 3.30% APY · checked 2 times
First Technology Federal Credit Union
2720 Council Tree Ave Ste 188, Fort Collins, CO 80525
Bump Up Share Certificates - 24-Month Bump Up
$500
3.25%
▲ 0.15% above Colorado avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.10%▲ 0.15% above avgNationally 2.90%
Details
Balance: $0.01 - $99,999.99
Rate History
No change since Oct 22, 2026 · 3.25% APY
First Technology Federal Credit Union
2720 Council Tree Ave Ste 188, Fort Collins, CO 80525
IRA Certificates - 24-Month Bump Up
$500
3.25%
▲ 0.15% above Colorado avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.10%▲ 0.15% above avgNationally 2.90%
Details
Balance: 500.00 - 99,999.99
Rate History
No change since Oct 22, 2026 · 3.25% APY
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
2420 E Harmony Rd, Fort Collins, CO 80528 3423
2 Year Traditional Certificate of Deposit (CD)
$0
3.25%
▲ 0.15% above Colorado avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.10%▲ 0.15% above avgNationally 2.90%
Details
Deposits over $25,000; Account Balance $25,000
Rate History
No change since Oct 13, 2026 · 3.25% APY · checked 2 times
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1520 E Mulberry St, Fort Collins, CO 80524 3501
24 Month Certificate
$0
3.25%
▲ 0.15% above Colorado avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.10%▲ 0.15% above avgNationally 2.90%
Details
APY accurate as of 09/22/2026; subject to penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25%
- Sep 18, 20263.25%▼ from 3.30%
- Sep 14, 20263.30%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1520 E Mulberry St, Fort Collins, CO 80524 3501
Business Certificate of Deposit - 24 Month Certificate
$0
3.25%
▲ 0.15% above Colorado avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.10%▲ 0.15% above avgNationally 2.90%
Details
Business Certificate of Deposit; Min. Balance/Average Daily Balance $1,000; Subject to penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
2420 E Harmony Rd, Fort Collins, CO 80528 3423
Traditional Certificate of Deposit (CD) - 2 Year
$0
3.15%
▲ 0.05% above Colorado avg
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.10%▲ 0.05% above avgNationally 2.90%
Details
Deposits under $25,000; Balance: $10,000
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 6 times
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
2420 E Harmony Rd, Fort Collins, CO 80528 3423
Traditional Certificate of Deposit (CD) - 2 Year
$0
3.05%
▼ 0.05% below Colorado avg
▼
Rate3.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.10%▼ 0.05% below avgNationally 2.90%
Details
Deposits under $25,000; Balance: $500
Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 6 times
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
2025 S College Ave, Fort Collins, CO 80525
24 Month Certificate
$0
2.75%
▼ 0.35% below Colorado avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.10%▼ 0.35% below avgNationally 2.90%
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
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
2025 S College Ave, Fort Collins, CO 80525
Certificates (IRA, HSA) - Jumbo 24 Month
$0
2.60%
▼ 0.50% below Colorado avg
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.10%▼ 0.50% below avgNationally 2.90%
Details
Jumbo (N/A Business) (Min Balance $100,000)
Rate History
No change since Oct 14, 2026 · 2.60% APY · checked 2 times
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
2025 S College Ave, Fort Collins, CO 80525
24 Month Certificate
$500
2.50%
▼ 0.60% below Colorado avg
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.10%▼ 0.60% below avgNationally 2.90%
Details
Standard Certificates of Deposit (CD)
Rate History
No change since Sep 22, 2026 · 2.50% APY · checked 6 times
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
2025 S College Ave, Fort Collins, CO 80525
24 Month First Tracks Certificate
$0
2.50%
▼ 0.60% below Colorado avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.10%▼ 0.60% below avgNationally 2.90%
Details
Standard (Min Balance $100)
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 8 times
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
2025 S College Ave, Fort Collins, CO 80525
Certificates (IRA, HSA) - 24 Month Certificate
$0
2.50%
▼ 0.60% below Colorado avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.10%▼ 0.60% below avgNationally 2.90%
Details
Standard (Min Balance: $100)
Rate History
No change since Oct 14, 2026 · 2.50% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1075 W Horsetooth Rd, Fort Collins, CO 80526
24 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.35% below Colorado avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.10%▼ 2.35% below avgNationally 2.90%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1075 W Horsetooth Rd, Fort Collins, CO 80526
24 Month Standard CD
$1,000
0.75%
▼ 2.35% below Colorado avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.10%▼ 2.35% below avgNationally 2.90%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3131 S College Ave, Fort Collins, CO 80525
Certificate of Deposit - 24 Months
$1,000
0.03%
▼ 3.07% below Colorado avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.10%▼ 3.07% below avgNationally 2.90%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3131 S College Ave, Fort Collins, CO 80525
IRA CD 24 Months
$250
0.03%
▼ 3.07% below Colorado avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.10%▼ 3.07% below avgNationally 2.90%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3131 S College Ave, Fort Collins, CO 80525
Certificate of Deposit - 24 Months
$1,000
0.02%
▼ 3.08% below Colorado avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.10%▼ 3.08% below avgNationally 2.90%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3131 S College Ave, Fort Collins, CO 80525
IRA CD 24 Months
$250
0.02%
▼ 3.08% below Colorado avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.10%▼ 3.08% below avgNationally 2.90%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3131 S College Ave, Fort Collins, CO 80525
Certificate of Deposit - 24 Months
$1,000
0.01%
▼ 3.09% below Colorado avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.10%▼ 3.09% below avgNationally 2.90%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3131 S College Ave, Fort Collins, CO 80525
IRA CD 24 Months
$250
0.01%
▼ 3.09% below Colorado avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.10%▼ 3.09% below avgNationally 2.90%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
5Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
24 Month Variable IRA
$250
4.86%
▲ 1.76% above Colorado avg
▼
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%
- 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%
Fixed-rate Certificate of Deposit - 24 months
$50,000
4.55%
▲ 1.45% above Colorado avg
▼
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
Vio Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
Certificate of Deposit - 24 Month
$0
4.40%
▲ 1.30% above Colorado avg
▼
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
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
24 Month Term Certificate
$500
4.25%
▲ 1.15% above Colorado avg
▼
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%
- 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%
24 Month CD
$0
4.20%
▲ 1.10% above Colorado avg
▼
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%
- 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%
Bonus Certificate - 24 Month
$0
4.12%
▲ 1.02% above Colorado avg
▼
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
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 24 Month
$0
4.12%
▲ 1.02% above Colorado avg
▼
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%
- 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%
24 Month Certificate of Deposit
$500
4.07%
▲ 0.97% above Colorado avg
▼
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
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
24 Month Certificate
$0
4.05%
▲ 0.95% above Colorado avg
▼
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%
- 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%
JUMBO Certificate - 24 Months
$100,000
4.05%
▲ 0.95% above Colorado avg
▼
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%
- Oct 9, 20264.05%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Fort Collins 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1526 E Harmony Rd Unit 130, Fort Collins, CO 80525 8006
36 Month Business CD
$0
4.05%
▲ 0.96% above Colorado avg
▼
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
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1526 E Harmony Rd Unit 130, Fort Collins, CO 80525 8006
36 Month HSA CD
$0
4.05%
▲ 0.96% above Colorado avg
▼
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
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1526 E Harmony Rd Unit 130, Fort Collins, CO 80525 8006
36 Month Traditional CD
$0
4.05%
▲ 0.96% above Colorado avg
▼
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
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1526 E Harmony Rd Unit 130, Fort Collins, CO 80525 8006
Traditional CD - 36 Months
$0
4.05%
▲ 0.96% above Colorado avg
▼
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
Wings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
243 N College Ave, Fort Collins, CO 80524
24 - 36 Month Flex CD
$1,000
3.75%
▲ 0.66% above Colorado avg
▼
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%
- 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%
243 N College Ave, Fort Collins, CO 80524
36 Month Flex Certificate
$0
3.75%
▲ 0.66% above Colorado avg
▼
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
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
2108 Milestone Dr, Fort Collins, CO 80525
Certificates of Deposit - 36 Month
$0
3.70%
▲ 0.61% above Colorado avg
▼
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
Canvas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
700 Whalers Way, Fort Collins, CO 80525
36-Month CD
$1,000
3.60%
▲ 0.51% above Colorado avg
▼
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
Canvas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
700 Whalers Way, Fort Collins, CO 80525
36-Month Family HSA CD
$1,000
3.60%
▲ 0.51% above Colorado avg
▼
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
Canvas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
700 Whalers Way, Fort Collins, CO 80525
36-Month IRA CD
$2,500
3.60%
▲ 0.51% above Colorado avg
▼
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
Canvas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
700 Whalers Way, Fort Collins, CO 80525
36-Month Single HSA CD
$1,000
3.60%
▲ 0.51% above Colorado avg
▼
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
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
1250 E Magnolia St, Fort Collins, CO 80524
36 Month Certificate of Deposit
$500
3.51%
▲ 0.42% above Colorado avg
▼
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%
- Oct 2, 20263.51%▲ from 3.03%
- Sep 18, 20263.03%first recorded
First Technology Federal Credit Union
2720 Council Tree Ave Ste 188, Fort Collins, CO 80525
Bump Up Share Certificates - 36-Month Bump Up
$100,000
3.50%
▲ 0.41% above Colorado avg
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.09%▲ 0.41% above avgNationally 2.81%
Details
Balance: $100,000 +
Rate History
No change since Oct 22, 2026 · 3.50% APY
First Technology Federal Credit Union
2720 Council Tree Ave Ste 188, Fort Collins, CO 80525
IRA Certificates - 36-Month Bump Up
$100,000
3.50%
▲ 0.41% above Colorado avg
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.09%▲ 0.41% above avgNationally 2.81%
Details
Balance: 100,000.00 and over
Rate History
No change since Oct 22, 2026 · 3.50% APY
Equitable Savings and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
300 E Horsetooth Rd, Fort Collins, CO 80525
IRA Fixed - 36 MONTH IRA
$2,000
3.46%
▲ 0.37% above Colorado avg
▼
Rate3.40%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Colorado Average3.09%▲ 0.37% above avgNationally 2.81%
Details
Penalty: 12 MO
Rate History
No change since Oct 21, 2026 · 3.46% APY
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
2420 E Harmony Rd, Fort Collins, CO 80528 3423
3 Year Traditional Certificate of Deposit (CD)
$0
3.40%
▲ 0.31% above Colorado avg
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.09%▲ 0.31% 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
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
2420 E Harmony Rd, Fort Collins, CO 80528 3423
3 Year Traditional Certificate of Deposit (CD)
$0
3.30%
▲ 0.21% above Colorado avg
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.09%▲ 0.21% above avgNationally 2.81%
Details
Deposits over $25,000; Account Balance $25,000
Rate History
No change since Oct 13, 2026 · 3.30% APY · checked 2 times
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1520 E Mulberry St, Fort Collins, CO 80524 3501
Member Merits (Gold) 36 Month Certificate
$0
3.30%
▲ 0.21% above Colorado avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.09%▲ 0.21% above avgNationally 2.81%
Details
Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; Dividend Rate 3.25%
Rate History
No change since Oct 13, 2026 · 3.30% APY · checked 2 times
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
155 Boardwalk Dr, Fort Collins, CO 80525
36 Month Certificate of Deposit
$0
3.25%
▲ 0.16% above Colorado avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.09%▲ 0.16% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 3 times
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
155 Boardwalk Dr, Fort Collins, CO 80525
CD - 36 months
$0
3.25%
▲ 0.16% above Colorado avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.09%▲ 0.16% above avgNationally 2.81%
Details
Accurate as of 09/30/2026
Rate History
No change since Oct 2, 2026 · 3.25% APY · checked 4 times
First Technology Federal Credit Union
2720 Council Tree Ave Ste 188, Fort Collins, CO 80525
Bump Up Share Certificates - 36-Month Bump Up
$500
3.25%
▲ 0.16% above Colorado avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.09%▲ 0.16% above avgNationally 2.81%
Details
Balance: $0.01 - $99,999.99
Rate History
No change since Oct 22, 2026 · 3.25% APY
First Technology Federal Credit Union
2720 Council Tree Ave Ste 188, Fort Collins, CO 80525
IRA Certificates - 36-Month Bump Up
$500
3.25%
▲ 0.16% above Colorado avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.09%▲ 0.16% above avgNationally 2.81%
Details
Balance: 500.00 - 99,999.99
Rate History
No change since Oct 22, 2026 · 3.25% APY
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1520 E Mulberry St, Fort Collins, CO 80524 3501
36 Month Certificate
$0
3.25%
▲ 0.16% above Colorado avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.09%▲ 0.16% above avgNationally 2.81%
Details
APY accurate as of 09/22/2026; subject to penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25%
- Sep 18, 20263.25%▼ from 3.30%
- Sep 14, 20263.30%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1520 E Mulberry St, Fort Collins, CO 80524 3501
Business Certificate of Deposit - 36 Month Certificate
$0
3.25%
▲ 0.16% above Colorado avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.09%▲ 0.16% above avgNationally 2.81%
Details
Business Certificate of Deposit; Min. Balance/Average Daily Balance $1,000; Subject to penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
2420 E Harmony Rd, Fort Collins, CO 80528 3423
Traditional Certificate of Deposit (CD) - 3 Year
$0
3.20%
▲ 0.11% above Colorado avg
▼
Rate3.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.09%▲ 0.11% above avgNationally 2.81%
Details
Deposits under $25,000; Balance: $10,000
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 6 times
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1520 E Mulberry St, Fort Collins, CO 80524 3501
Member Merits (Gold) 36 Month Variable Rate Certificate
$0
3.15%
▲ 0.06% above Colorado avg
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.09%▲ 0.06% above avgNationally 2.81%
Details
Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; variable rate certificate; Dividend Rate 3.11%
Rate History
No change since Oct 13, 2026 · 3.15% APY · checked 2 times
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1526 E Harmony Rd Unit 130, Fort Collins, CO 80525 8006
36 Month Smart Move CD
$2,500
3.15%
▲ 0.06% above Colorado avg
▼
Rate3.11%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.09%▲ 0.06% above avgNationally 2.81%
Details
Minimum Balance to Earn APY: $1,000
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 9 times
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1526 E Harmony Rd Unit 130, Fort Collins, CO 80525 8006
Smart Move CD - 36 Months
$2,500
3.15%
▲ 0.06% above Colorado avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.09%▲ 0.06% above avgNationally 2.81%
Details
Smart Move CD; start with a minimum of $2,500; one-time bump-up option
Rate History
No change since Oct 14, 2026 · 3.15% APY · checked 2 times
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
2420 E Harmony Rd, Fort Collins, CO 80528 3423
Traditional Certificate of Deposit (CD) - 3 Year
$0
3.10%
▲ 0.01% above Colorado avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.09%▲ 0.01% above avgNationally 2.81%
Details
Deposits under $25,000; Balance: $500
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 6 times
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1520 E Mulberry St, Fort Collins, CO 80524 3501
36 Month Variable Rate Certificate
$0
3.10%
▲ 0.01% above Colorado avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.09%▲ 0.01% above avgNationally 2.81%
Details
Variable rate certificate; APY is variable; rate may change twice during the term and may increase or decrease but never below the rate earned on issue date; adjusts to current like-term fixed rate less a .10% margin for 36 months; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.15% → 3.10% ▼ 0.05 pts · high 3.15% / low 3.10%
- Sep 18, 20263.10%▼ from 3.15%
- Sep 14, 20263.15%first recorded
Adams Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
7800 S College Ave, Fort Collins, CO 80525
36 MONTH FIXED IRA
$500
2.80%
▼ 0.29% below Colorado avg
▼
Rate2.77%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.09%▼ 0.29% below avgNationally 2.81%
Details
Balance: $0.00 - $9,999.99; A penalty may be imposed for early withdrawal
Rate History
No change since Sep 27, 2026 · 2.80% APY · checked 2 times
Adams Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
7800 S College Ave, Fort Collins, CO 80525
36 MONTH VARIABLE IRA
$500
2.80%
▼ 0.29% below Colorado avg
▼
Rate2.77%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.09%▼ 0.29% below avgNationally 2.81%
Details
Balance: $0.00 - $9,999.99; Variable rate; A penalty may be imposed for early withdrawal
Rate History
No change since Sep 27, 2026 · 2.80% APY · checked 2 times
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
2025 S College Ave, Fort Collins, CO 80525
36 Month Certificate
$0
2.75%
▼ 0.34% below Colorado avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.09%▼ 0.34% below avgNationally 2.81%
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
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
2025 S College Ave, Fort Collins, CO 80525
36 Month Certificate
$500
2.50%
▼ 0.59% below Colorado avg
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.09%▼ 0.59% below avgNationally 2.81%
Details
Standard Certificates of Deposit (CD)
Rate History
No change since Sep 22, 2026 · 2.50% APY · checked 6 times
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
2025 S College Ave, Fort Collins, CO 80525
Certificates (IRA, HSA) - 36 Month Certificate
$0
2.50%
▼ 0.59% below Colorado avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.09%▼ 0.59% below avgNationally 2.81%
Details
Standard (Min Balance: $100)
Rate History
No change since Oct 14, 2026 · 2.50% APY · checked 2 times
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
123 N College Ave, Fort Collins, CO 80524
36 Month Certificate of Deposit
$1,000
2.27%
▼ 0.82% below Colorado avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.09%▼ 0.82% below avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 2.27% APY · checked 8 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1075 W Horsetooth Rd, Fort Collins, CO 80526
36 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.34% below Colorado avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.09%▼ 2.34% below avgNationally 2.81%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1075 W Horsetooth Rd, Fort Collins, CO 80526
36 Month Standard CD
$1,000
0.75%
▼ 2.34% below Colorado avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.09%▼ 2.34% below avgNationally 2.81%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3131 S College Ave, Fort Collins, CO 80525
Certificate of Deposit - 36 Months
$1,000
0.03%
▼ 3.06% below Colorado avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.09%▼ 3.06% below avgNationally 2.81%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3131 S College Ave, Fort Collins, CO 80525
IRA CD 36 Months
$250
0.03%
▼ 3.06% below Colorado avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.09%▼ 3.06% below avgNationally 2.81%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3131 S College Ave, Fort Collins, CO 80525
Certificate of Deposit - 36 Months
$1,000
0.02%
▼ 3.07% below Colorado avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.09%▼ 3.07% below avgNationally 2.81%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3131 S College Ave, Fort Collins, CO 80525
IRA CD 36 Months
$250
0.02%
▼ 3.07% below Colorado avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.09%▼ 3.07% below avgNationally 2.81%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3131 S College Ave, Fort Collins, CO 80525
Certificate of Deposit - 36 Months
$1,000
0.01%
▼ 3.08% below Colorado avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.09%▼ 3.08% below avgNationally 2.81%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3131 S College Ave, Fort Collins, CO 80525
IRA CD 36 Months
$250
0.01%
▼ 3.08% below Colorado avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.09%▼ 3.08% below avgNationally 2.81%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
5Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
36 Month Variable IRA
$250
4.96%
▲ 1.87% above Colorado avg
▼
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%
- 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%
Fixed-rate Certificate of Deposit - 36 months
$50,000
4.50%
▲ 1.41% above Colorado avg
▼
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
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
36 Month Certificates of Deposit (CD)
$0
4.30%
▲ 1.21% above Colorado avg
▼
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%
- 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%
Certificate of Deposit - 36 Months
$0
4.30%
▲ 1.21% above Colorado avg
▼
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%
- 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%
36 Month Certificate
$0
4.20%
▲ 1.11% above Colorado avg
▼
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%
- 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%
JUMBO Certificate - 36 Months
$100,000
4.20%
▲ 1.11% above Colorado avg
▼
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%
- Oct 9, 20264.20%▲ from 4.10%
- Sep 14, 20264.10%first recorded
Fort Collins 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
2108 Milestone Dr, Fort Collins, CO 80525
Certificates of Deposit - 48 Month
$0
3.80%
▲ 0.81% above Colorado avg
▼
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
Equitable Savings and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
300 E Horsetooth Rd, Fort Collins, CO 80525
IRA Fixed - 48 MONTH IRA
$2,000
3.56%
▲ 0.57% above Colorado avg
▼
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
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
1250 E Magnolia St, Fort Collins, CO 80524
48 Month Certificate of Deposit
$500
3.51%
▲ 0.52% above Colorado avg
▼
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%
- Oct 2, 20263.51%▲ from 3.03%
- Sep 18, 20263.03%first recorded
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
▼
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
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
▼
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
Canvas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
700 Whalers Way, Fort Collins, CO 80525
48-Month CD
$1,000
3.45%
▲ 0.46% above Colorado avg
▼
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
Canvas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
700 Whalers Way, Fort Collins, CO 80525
48-Month Family HSA CD
$1,000
3.45%
▲ 0.46% above Colorado avg
▼
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
Canvas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
700 Whalers Way, Fort Collins, CO 80525
48-Month IRA CD
$2,500
3.45%
▲ 0.46% above Colorado avg
▼
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
Canvas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
700 Whalers Way, Fort Collins, CO 80525
48-Month Single HSA CD
$1,000
3.45%
▲ 0.46% above Colorado avg
▼
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
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
2420 E Harmony Rd, Fort Collins, CO 80528 3423
4 Year Traditional Certificate of Deposit (CD)
$0
3.40%
▲ 0.41% above Colorado avg
▼
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
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
2420 E Harmony Rd, Fort Collins, CO 80528 3423
4 Year Traditional Certificate of Deposit (CD)
$0
3.30%
▲ 0.31% above Colorado avg
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.99%▲ 0.31% above avgNationally 2.81%
Details
Deposits over $25,000; Account Balance $25,000
Rate History
No change since Oct 13, 2026 · 3.30% APY · checked 2 times
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1520 E Mulberry St, Fort Collins, CO 80524 3501
Member Merits (Gold) 48 Month Certificate
$0
3.30%
▲ 0.31% above Colorado avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.99%▲ 0.31% above avgNationally 2.81%
Details
Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; Dividend Rate 3.25%
Rate History
No change since Oct 13, 2026 · 3.30% APY · checked 2 times
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
155 Boardwalk Dr, Fort Collins, CO 80525
48 Month Certificate of Deposit
$0
3.25%
▲ 0.26% above Colorado avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average2.99%▲ 0.26% above avgNationally 2.81%
Details
Accurate as of 09/30/2026; Minimum Balance $500
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 3 times
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
155 Boardwalk Dr, Fort Collins, CO 80525
CD - 48 months
$0
3.25%
▲ 0.26% above Colorado avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average2.99%▲ 0.26% above avgNationally 2.81%
Details
Accurate as of 09/30/2026
Rate History
No change since Oct 2, 2026 · 3.25% APY · checked 4 times
First Technology Federal Credit Union
2720 Council Tree Ave Ste 188, Fort Collins, CO 80525
Traditional Share Certificates - 48-Month
$500
3.25%
▲ 0.26% above Colorado avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average2.99%▲ 0.26% above avgNationally 2.81%
Details
Balance: $0.01 - $99,999.99
Rate History
No change since Oct 22, 2026 · 3.25% APY
First Technology Federal Credit Union
2720 Council Tree Ave Ste 188, Fort Collins, CO 80525
IRA Certificates - 48-Month
$500
3.25%
▲ 0.26% above Colorado avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average2.99%▲ 0.26% above avgNationally 2.81%
Details
Balance: 500.00 - 99,999.99
Rate History
No change since Oct 22, 2026 · 3.25% APY
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1520 E Mulberry St, Fort Collins, CO 80524 3501
48 Month Certificate
$0
3.25%
▲ 0.26% above Colorado avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.99%▲ 0.26% above avgNationally 2.81%
Details
APY accurate as of 09/22/2026; subject to penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25%
- Sep 18, 20263.25%▼ from 3.30%
- Sep 14, 20263.30%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1520 E Mulberry St, Fort Collins, CO 80524 3501
Business Certificate of Deposit - 48 Month Certificate
$0
3.25%
▲ 0.26% above Colorado avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.99%▲ 0.26% above avgNationally 2.81%
Details
Business Certificate of Deposit; Min. Balance/Average Daily Balance $1,000; Subject to penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
2420 E Harmony Rd, Fort Collins, CO 80528 3423
Traditional Certificate of Deposit (CD) - 4 Year
$0
3.20%
▲ 0.21% above Colorado avg
▼
Rate3.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.99%▲ 0.21% above avgNationally 2.81%
Details
Deposits under $25,000; Balance: $10,000
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 6 times
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
2420 E Harmony Rd, Fort Collins, CO 80528 3423
Traditional Certificate of Deposit (CD) - 4 Year
$0
3.10%
▲ 0.11% above Colorado avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.99%▲ 0.11% above avgNationally 2.81%
Details
Deposits under $25,000; Balance: $500
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 6 times
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
2025 S College Ave, Fort Collins, CO 80525
48 Month Certificate
$0
2.75%
▼ 0.24% below Colorado avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.99%▼ 0.24% below avgNationally 2.81%
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
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
2025 S College Ave, Fort Collins, CO 80525
Certificates (IRA, HSA) - 48 Month Certificate
$0
2.50%
▼ 0.49% below Colorado avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.99%▼ 0.49% below avgNationally 2.81%
Details
Standard (Min Balance: $100)
Rate History
No change since Oct 14, 2026 · 2.50% APY · checked 2 times
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
123 N College Ave, Fort Collins, CO 80524
48 Month Certificate of Deposit
$1,000
2.27%
▼ 0.72% below Colorado avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average2.99%▼ 0.72% below avgNationally 2.81%
Details
Open Online
Rate History
No change since Sep 18, 2026 · 2.27% APY · checked 8 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1075 W Horsetooth Rd, Fort Collins, CO 80526
48 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.24% below Colorado avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.99%▼ 2.24% below avgNationally 2.81%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1075 W Horsetooth Rd, Fort Collins, CO 80526
48 Month Standard CD
$1,000
0.75%
▼ 2.24% below Colorado avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average2.99%▼ 2.24% below avgNationally 2.81%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3131 S College Ave, Fort Collins, CO 80525
Certificate of Deposit - 48 Months
$1,000
0.03%
▼ 2.96% below Colorado avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average2.99%▼ 2.96% below avgNationally 2.81%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3131 S College Ave, Fort Collins, CO 80525
IRA CD 48 Months
$250
0.03%
▼ 2.96% below Colorado avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average2.99%▼ 2.96% below avgNationally 2.81%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3131 S College Ave, Fort Collins, CO 80525
Certificate of Deposit - 48 Months
$1,000
0.02%
▼ 2.97% below Colorado avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average2.99%▼ 2.97% below avgNationally 2.81%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3131 S College Ave, Fort Collins, CO 80525
IRA CD 48 Months
$250
0.02%
▼ 2.97% below Colorado avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average2.99%▼ 2.97% below avgNationally 2.81%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3131 S College Ave, Fort Collins, CO 80525
Certificate of Deposit - 48 Months
$1,000
0.01%
▼ 2.98% below Colorado avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average2.99%▼ 2.98% below avgNationally 2.81%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3131 S College Ave, Fort Collins, CO 80525
IRA CD 48 Months
$250
0.01%
▼ 2.98% below Colorado avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average2.99%▼ 2.98% below avgNationally 2.81%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
Certificate of Deposit - 4 Years
$500
4.35%
▲ 1.36% above Colorado avg
▼
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%
- Sep 24, 20264.35%▲ from 4.09%
- Sep 14, 20264.09%first recorded
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
48 Month Certificates of Deposit (CD)
$0
4.35%
▲ 1.36% above Colorado avg
▼
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%
- 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%
Certificate of Deposit - 48 Months
$0
4.35%
▲ 1.36% above Colorado avg
▼
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%
- 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%
Fixed-rate Certificate of Deposit - 48 months
$50,000
4.31%
▲ 1.32% above Colorado avg
▼
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
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
48 Month Certificate
$0
4.30%
▲ 1.31% above Colorado avg
▼
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%
- 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%
JUMBO Certificate - 48 Months
$100,000
4.30%
▲ 1.31% above Colorado avg
▼
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%
- 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%
48 Month Term Certificates
$500
4.20%
▲ 1.21% above Colorado avg
▼
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
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
Traditional IRA, Roth IRA and SEP IRA - 48 Months
$500
4.20%
▲ 1.21% above Colorado avg
▼
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
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificate - 48 Month
$0
4.12%
▲ 1.13% above Colorado avg
▼
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
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 48 Month
$0
4.12%
▲ 1.13% above Colorado avg
▼
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%
- 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%
48 Month CD
$0
4.10%
▲ 1.11% above Colorado avg
▼
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%
- 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%
48 Month Certificates of Deposit (CD)
$0
4.10%
▲ 1.11% above Colorado avg
▼
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%
- 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%
Certificate of Deposit - 48 Months
$0
4.10%
▲ 1.11% above Colorado avg
▼
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%
- 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%
48 Month CD
$0
4.00%
▲ 1.01% above Colorado avg
▼
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%
- 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%
48 Month Certificate
$0
3.97%
▲ 0.98% above Colorado avg
▼
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%
- 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%
IRA Certificate 48 Month
$0
3.97%
▲ 0.98% above Colorado avg
▼
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
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
Consumer and Business Regular and IRA Certificates of Deposit (CDs) - 48 Months
$500
3.95%
▲ 0.96% above Colorado avg
▼
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
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Jumbo Certificates of Deposit & Greater - 4 Year
$0
3.70%
▲ 0.71% above Colorado avg
▼
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
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
4 Year Jumbo IRA Share Certificate
$0
3.65%
▲ 0.66% above Colorado avg
▼
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
Fort Collins 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Wings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
243 N College Ave, Fort Collins, CO 80524
60 Month Certificate
$0
4.15%
▲ 1.01% above Colorado avg
▼
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
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1526 E Harmony Rd Unit 130, Fort Collins, CO 80525 8006
60 Month Business CD
$0
4.10%
▲ 0.96% above Colorado avg
▼
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
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1526 E Harmony Rd Unit 130, Fort Collins, CO 80525 8006
60 Month HSA CD
$0
4.10%
▲ 0.96% above Colorado avg
▼
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
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1526 E Harmony Rd Unit 130, Fort Collins, CO 80525 8006
60 Month Traditional CD
$0
4.10%
▲ 0.96% above Colorado avg
▼
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
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
1526 E Harmony Rd Unit 130, Fort Collins, CO 80525 8006
Traditional CD - 60 Months
$0
4.10%
▲ 0.96% above Colorado avg
▼
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
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
2108 Milestone Dr, Fort Collins, CO 80525
Certificates of Deposit - 60 Month
$0
3.90%
▲ 0.76% above Colorado avg
▼
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
Equitable Savings and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
300 E Horsetooth Rd, Fort Collins, CO 80525
IRA Fixed - 60 MONTH IRA
$2,000
3.67%
▲ 0.53% above Colorado avg
▼
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
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
1250 E Magnolia St, Fort Collins, CO 80524
60 Month Certificate of Deposit
$500
3.51%
▲ 0.37% above Colorado avg
▼
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%
- Oct 2, 20263.51%▲ from 3.03%
- Sep 18, 20263.03%first recorded
First Technology Federal Credit Union
2720 Council Tree Ave Ste 188, Fort Collins, CO 80525
Traditional Share Certificates - 60-Month
$100,000
3.50%
▲ 0.36% above Colorado avg
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.14%▲ 0.36% above avgNationally 2.92%
Details
Balance: $100,000.00 and over
Rate History
No change since Oct 22, 2026 · 3.50% APY
First Technology Federal Credit Union
2720 Council Tree Ave Ste 188, Fort Collins, CO 80525
IRA Certificates - 60-Month
$100,000
3.50%
▲ 0.36% above Colorado avg
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.14%▲ 0.36% above avgNationally 2.92%
Details
Balance: 100,000.00 and over
Rate History
No change since Oct 22, 2026 · 3.50% APY
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
2420 E Harmony Rd, Fort Collins, CO 80528 3423
5 Year Traditional Certificate of Deposit (CD)
$0
3.45%
▲ 0.31% above Colorado avg
▼
Rate3.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.14%▲ 0.31% above avgNationally 2.92%
Details
Deposits over $25,000; Account Balance $100,000
Rate History
No change since Oct 13, 2026 · 3.45% APY · checked 2 times
Canvas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
700 Whalers Way, Fort Collins, CO 80525
60-Month CD
$1,000
3.40%
▲ 0.26% above Colorado avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.14%▲ 0.26% above avgNationally 2.92%
Details
Rate History
No change since Oct 22, 2026 · 3.40% APY
Canvas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
700 Whalers Way, Fort Collins, CO 80525
60-Month Family HSA CD
$1,000
3.40%
▲ 0.26% above Colorado avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.14%▲ 0.26% above avgNationally 2.92%
Details
Health Savings Account CD - family
Rate History
No change since Oct 22, 2026 · 3.40% APY
Canvas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
700 Whalers Way, Fort Collins, CO 80525
60-Month IRA CD
$2,500
3.40%
▲ 0.26% above Colorado avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.14%▲ 0.26% above avgNationally 2.92%
Details
IRA certificate; interest compounded and credited quarterly
Rate History
No change since Oct 22, 2026 · 3.40% APY
Canvas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
700 Whalers Way, Fort Collins, CO 80525
60-Month Single HSA CD
$1,000
3.40%
▲ 0.26% above Colorado avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.14%▲ 0.26% above avgNationally 2.92%
Details
Health Savings Account CD - single
Rate History
No change since Oct 22, 2026 · 3.40% APY
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
2420 E Harmony Rd, Fort Collins, CO 80528 3423
5 Year Traditional Certificate of Deposit (CD)
$0
3.35%
▲ 0.21% above Colorado avg
▼
Rate3.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.14%▲ 0.21% above avgNationally 2.92%
Details
Deposits over $25,000; Account Balance $25,000
Rate History
No change since Oct 13, 2026 · 3.35% APY · checked 2 times
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1520 E Mulberry St, Fort Collins, CO 80524 3501
Member Merits (Gold) 60 Month Certificate
$0
3.30%
▲ 0.16% above Colorado avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.14%▲ 0.16% above avgNationally 2.92%
Details
Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; Dividend Rate 3.25%
Rate History
No change since Oct 13, 2026 · 3.30% APY · checked 2 times
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
155 Boardwalk Dr, Fort Collins, CO 80525
60 Month Certificate of Deposit
$0
3.25%
▲ 0.11% above Colorado avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.14%▲ 0.11% above avgNationally 2.92%
Details
CD Term (Minimum Balance $500); Accurate as of 09/30/2026
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 3 times
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
155 Boardwalk Dr, Fort Collins, CO 80525
CD - 60 months
$0
3.25%
▲ 0.11% above Colorado avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.14%▲ 0.11% above avgNationally 2.92%
Details
Accurate as of 09/30/2026
Rate History
No change since Oct 2, 2026 · 3.25% APY · checked 4 times
First Technology Federal Credit Union
2720 Council Tree Ave Ste 188, Fort Collins, CO 80525
Traditional Share Certificates - 60-Month
$500
3.25%
▲ 0.11% above Colorado avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.14%▲ 0.11% above avgNationally 2.92%
Details
Balance: $0.01 - $99,999.99
Rate History
No change since Oct 22, 2026 · 3.25% APY
First Technology Federal Credit Union
2720 Council Tree Ave Ste 188, Fort Collins, CO 80525
IRA Certificates - 60-Month
$500
3.25%
▲ 0.11% above Colorado avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.14%▲ 0.11% above avgNationally 2.92%
Details
Balance: 500.00 - 99,999.99
Rate History
No change since Oct 22, 2026 · 3.25% APY
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
2420 E Harmony Rd, Fort Collins, CO 80528 3423
Traditional Certificate of Deposit (CD) - 5 Year
$0
3.25%
▲ 0.11% above Colorado avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.14%▲ 0.11% above avgNationally 2.92%
Details
Deposits under $25,000; Balance: $10,000
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1520 E Mulberry St, Fort Collins, CO 80524 3501
60 Month Certificate
$0
3.25%
▲ 0.11% above Colorado avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.14%▲ 0.11% above avgNationally 2.92%
Details
APY accurate as of 09/22/2026; subject to penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25%
- Sep 18, 20263.25%▼ from 3.30%
- Sep 14, 20263.30%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1520 E Mulberry St, Fort Collins, CO 80524 3501
Business Certificate of Deposit - 60 Month Certificate
$0
3.25%
▲ 0.11% above Colorado avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.14%▲ 0.11% above avgNationally 2.92%
Details
Business Certificate of Deposit; Min. Balance/Average Daily Balance $1,000; Subject to penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
2420 E Harmony Rd, Fort Collins, CO 80528 3423
Traditional Certificate of Deposit (CD) - 5 Year
$0
3.15%
▲ 0.01% above Colorado avg
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.14%▲ 0.01% above avgNationally 2.92%
Details
Deposits under $25,000; Balance: $500
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 6 times
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1520 E Mulberry St, Fort Collins, CO 80524 3501
Member Merits (Gold) 60 Month Variable Rate Certificate
$0
3.15%
▲ 0.01% above Colorado avg
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.14%▲ 0.01% above avgNationally 2.92%
Details
Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; variable rate certificate; Dividend Rate 3.11%
Rate History
No change since Oct 13, 2026 · 3.15% APY · checked 2 times
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1520 E Mulberry St, Fort Collins, CO 80524 3501
60 Month Variable Rate Certificate
$0
3.10%
▼ 0.04% below Colorado avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.14%▼ 0.04% below avgNationally 2.92%
Details
Variable rate certificate; APY is variable; rate may change twice during the term and may increase or decrease but never below the rate earned on issue date; adjusts to current like-term fixed rate less a .25% margin for 60 months; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.15% → 3.10% ▼ 0.05 pts · high 3.15% / low 3.10%
- Sep 18, 20263.10%▼ from 3.15%
- Sep 14, 20263.15%first recorded
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
2025 S College Ave, Fort Collins, CO 80525
60 Month Certificate
$0
2.75%
▼ 0.39% below Colorado avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.14%▼ 0.39% below avgNationally 2.92%
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
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
2025 S College Ave, Fort Collins, CO 80525
Certificates (IRA, HSA) - Jumbo 60 Month
$0
2.60%
▼ 0.54% below Colorado avg
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.14%▼ 0.54% below avgNationally 2.92%
Details
Jumbo (N/A Business) (Min Balance $100,000)
Rate History
No change since Oct 14, 2026 · 2.60% APY · checked 2 times
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
2025 S College Ave, Fort Collins, CO 80525
60 Month Certificate
$500
2.50%
▼ 0.64% below Colorado avg
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.14%▼ 0.64% below avgNationally 2.92%
Details
Standard Certificates of Deposit (CD)
Rate History
No change since Sep 22, 2026 · 2.50% APY · checked 6 times
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
2025 S College Ave, Fort Collins, CO 80525
Certificates (IRA, HSA) - 60 Month Certificate
$0
2.50%
▼ 0.64% below Colorado avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.14%▼ 0.64% below avgNationally 2.92%
Details
Standard (Min Balance: $100)
Rate History
No change since Oct 14, 2026 · 2.50% APY · checked 2 times
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
123 N College Ave, Fort Collins, CO 80524
60 Month Certificate of Deposit
$1,000
2.32%
▼ 0.82% below Colorado avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.14%▼ 0.82% below avgNationally 2.92%
Details
Open Online
Rate History
No change since Sep 18, 2026 · 2.32% APY · checked 8 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1075 W Horsetooth Rd, Fort Collins, CO 80526
60 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.39% below Colorado avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.14%▼ 2.39% below avgNationally 2.92%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1075 W Horsetooth Rd, Fort Collins, CO 80526
60 Month Standard CD
$1,000
0.75%
▼ 2.39% below Colorado avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Colorado Average3.14%▼ 2.39% below avgNationally 2.92%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
Verus Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3700 S College Ave, Fort Collins, CO 80525
60 Month IRA Certificates of Deposit
$100,000
0.45%
▼ 2.69% below Colorado avg
▼
Rate0.45%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Colorado Average3.14%▼ 2.69% below avgNationally 2.92%
Details
Balance: > $100,000
Rate History
No change since Sep 14, 2026 · 0.45% APY · checked 7 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3131 S College Ave, Fort Collins, CO 80525
Certificate of Deposit - 60 Months
$1,000
0.03%
▼ 3.11% below Colorado avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.14%▼ 3.11% below avgNationally 2.92%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3131 S College Ave, Fort Collins, CO 80525
IRA CD 60 Months
$250
0.03%
▼ 3.11% below Colorado avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.14%▼ 3.11% below avgNationally 2.92%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3131 S College Ave, Fort Collins, CO 80525
Certificate of Deposit - 60 Months
$1,000
0.02%
▼ 3.12% below Colorado avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.14%▼ 3.12% below avgNationally 2.92%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3131 S College Ave, Fort Collins, CO 80525
IRA CD 60 Months
$250
0.02%
▼ 3.12% below Colorado avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.14%▼ 3.12% below avgNationally 2.92%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3131 S College Ave, Fort Collins, CO 80525
Certificate of Deposit - 60 Months
$1,000
0.01%
▼ 3.13% below Colorado avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.14%▼ 3.13% below avgNationally 2.92%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3131 S College Ave, Fort Collins, CO 80525
IRA CD 60 Months
$250
0.01%
▼ 3.13% below Colorado avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Colorado Average3.14%▼ 3.13% below avgNationally 2.92%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
5Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
60 Month Variable IRA
$250
5.11%
▲ 1.97% above Colorado avg
▼
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%
- Oct 11, 20265.11%▲ from 4.57%
- Sep 14, 20264.57%first recorded
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
60 Month Certificate
$0
4.45%
▲ 1.31% above Colorado avg
▼
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%
- 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%
JUMBO Certificate - 60 Months
$100,000
4.45%
▲ 1.31% above Colorado avg
▼
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%
- 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%
60 Month Certificates of Deposit (CD)
$0
4.40%
▲ 1.26% above Colorado avg
▼
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%
- 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%
Certificate of Deposit - 60 Months
$0
4.40%
▲ 1.26% above Colorado avg
▼
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%
- 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%
Certificate of Deposit - 5 Years
$500
4.35%
▲ 1.21% above Colorado avg
▼
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%
- 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%
IRA 5 Years
$500
4.35%
▲ 1.21% above Colorado avg
▼
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
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
60 Month Term Certificates
$500
4.35%
▲ 1.21% above Colorado avg
▼
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
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
Traditional IRA, Roth IRA and SEP IRA - 60 Months
$500
4.35%
▲ 1.21% above Colorado avg
▼
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
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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Fort Collins, CO CD Rate Trends
Compare local Fort Collins, CO CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD CO Avg
3.293%
▼ 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
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CO CD Rate Forecast, Next 12 Months
Where are Colorado CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
CO 12-Month Avg APY
3.293%
6-Month Forecast
3.293%
Range: 3.09%, 3.44%
12-Month Forecast
3.543%
Range: 3.34%, 3.69%
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What Your Savings Earn at CO CD Rates Today
Annual interest earnings at today’s Colorado average APYs. State average used where available; national average as fallback.
| CD Term | CO Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.401% | $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 Fort Collins, Colorado Savers
$25,000 split equally across 5 terms using today’s Colorado average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | CO Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.401% | $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.
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1,057
CD Rates
Tracked in Fort Collins, Colorado
Tracked in Fort Collins, Colorado
38 Banks
53 Credit Unions
About Our Fort Collins, Colorado CD Rate Database
MonitorBankRates tracks 1,057 CD rates from 38 banks and 53 credit unions with locations in Fort Collins, 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: Academy Bank offers a CD at 4.40% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Fort Collins, Colorado.
How to Find the Best CD Rates in Fort Collins, Colorado
What to compare when shopping for a CD in Fort Collins, Colorado
To find the best APYs in Fort Collins, Colorado, start with credit unions and online-only banks: Fort Collins, Colorado has 53 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 Fort Collins, 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 Fort Collins, Colorado: 91 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Fort Collins, 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 Fort Collins, Colorado money market rates
Fort Collins, Colorado Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
12.8%
National avg: 17.3%
Median Individual Earnings
$39,561
National avg: $47,340
Poverty Rate
15.8%
National avg: 11.1%
Unemployment Rate
5.4%
National avg: 4.8%
CD Earnings on 10% of Salary
$130/yr
At CO 12-mo avg 3.293% APY
12.8% 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 ($3,956/year) and putting it in a CD would earn an additional $130 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 Fort Collins, 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 Fort Collins, 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 Fort Collins, 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 Fort Collins, Colorado as everywhere in the U.S.
Choosing a CD Term in Fort Collins, 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 Fort Collins, Colorado savers easier access to their funds. For example, FirsTier Bank is offering its 6 Month CD at 4.14% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Wings Credit Union is offering its 60 Month Certificate at 4.15% 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 Fort Collins, 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 Fort Collins, 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 Fort Collins, 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 Fort Collins, 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 Fort Collins, Colorado
Most CDs carry a fixed rate that is locked for the entire term, protecting a Fort Collins, 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 Fort Collins, Colorado
Are CD rates in Fort Collins, Colorado FDIC insured?
Yes, most established banks in Fort Collins, 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 Fort Collins, 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 Fort Collins, 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 Fort Collins, 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 Fort Collins, Colorado?
Here are recent top rates found for this area:
- Academy Bank: 4.40% APY (18 Month Certificate of Deposit)
- Union Bank and Trust Company: 4.40% APY (24 Month Certificate of Deposit)
- Wings Credit Union: 4.15% APY (60 Month Certificate)
- FirsTier Bank: 4.14% APY (3 Month CD)
- Bellco Credit Union: 4.10% APY (60 Month Business CD)
- Adams Bank & Trust: 4.00% APY (6-Month CD)
- Canvas Credit Union: 3.95% APY (18-Month CD)
- ANB Bank: 3.90% APY (Certificates of Deposit - 60 Month)
- Gateway First Bank: 3.85% APY (12 Month CD)
- Credit Union Of Colorado: 3.80% APY (1 Year Traditional Certificate of Deposit (CD))
Rates reflect recent verified offers available in Fort Collins, Colorado. Last Updated: October 23, 2026
Fort Collins, 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 Fort Collins, Colorado rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Fort Collins, Colorado
Fort Collins, Colorado CD Calculator
At today’s CO top rate of 4.40% APY, a $10,000 deposit earns $440 in the first year. Enter your amount to see your exact return.
Fort Collins, Colorado CD LadderCO 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 PenaltyBefore locking into a Fort Collins, Colorado CD at 4.40% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsColorado’s average 12-month CD is 3.293% 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 Fort Collins, 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 Fort Collins, 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 Fort Collins, 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
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