MonitorBankRates
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Grand Junction, Colorado Best CD Rates August 2026

Current Grand Junction, Colorado CD rates include Credit Union Of ColoradoCredit Union Of Colorado202 Main St, Grand Junction, CO 81501A+5.0 ★Texas Ratio: 3.77%Real return: +1.00%APY minus CPI (February 2026) offering 1 Year at 3.80% APY, Bellco Credit UnionBellco Credit Union2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505A+5.0 ★Texas Ratio: 4.02%Real return: +0.90%APY minus CPI (February 2026) offering HSA CD 12 Months at 3.70% APY, ANB BankANB Bank2608 N 12th St, Grand Junction, CO 81501A+5.0 ★Texas Ratio: 1.17%Real return: +0.71%APY minus CPI (February 2026) offering Business 60 Month Certificate at 3.51% APY, Coloramo Federal Credit UnionColoramo Federal Credit Union516 28 Rd, Grand Junction, CO 81501A+5.0 ★Texas Ratio: 6.23%Real return: +0.60%APY minus CPI (February 2026) offering 12-Month at 3.40% APY, and Grand Valley BankGrand Valley Bank570 25 Rd, Grand Junction, CO 81505A5.0 ★Texas Ratio: 11.80%Real return: +0.40%APY minus CPI (February 2026) offering 12 Months at 3.20% APY. CD rates as of August 29, 2026 according to verified data from MonitorBankRates.

Grand Junction has 94 local institutions in our database, with CD rates as high as 3.80% APY from Credit Union Of Colorado at 202 Main St, Grand Junction, CO 81501. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Colorado area. Rates are continually updated — we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: August 29, 2026

Compare Best CD Rates in Grand Junction, Colorado & the Surrounding Area

Grand Junction 3 Month CD Rates

Colorado 3 Month CD Average1.48% APYNational 1.96%▼ 1.09% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Grand Valley Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
570 25 Rd, Grand Junction, CO 81505
3 Months
$500
3.10% ▲ 1.62% above Colorado avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 1.62% above avgNationally 1.96%
Details

.25% bonus for Star and Senior Accounts!

ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
2608 N 12th St, Grand Junction, CO 81501
Business 90 Day Certificate
$0
3.00% ▲ 1.52% above Colorado avg
Rate2.97%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 1.52% above avgNationally 1.96%
Details

Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
IRA CD 3 Months
$500
2.75% ▲ 1.27% above Colorado avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 1.27% above avgNationally 1.96%
Details

Invest a portion of your Traditional or Roth IRA Defer tax payments on Traditional IRA earnings to future withdrawals** Enjoy higher rates than a traditional savings account

Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
202 Main St, Grand Junction, CO 81501
90 Day
$0
2.00% ▲ 0.52% above Colorado avg
Rate1.99%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 0.52% above avgNationally 1.96%
Details

Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
202 Main St, Grand Junction, CO 81501
90 Day
$0
1.90% ▲ 0.42% above Colorado avg
Rate1.89%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 0.42% above avgNationally 1.96%
Details

Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
202 Main St, Grand Junction, CO 81501
90 Day
$0
1.80% ▲ 0.32% above Colorado avg
Rate1.79%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 0.32% above avgNationally 1.96%
Details

Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
202 Main St, Grand Junction, CO 81501
90 Day
$0
1.70% ▲ 0.22% above Colorado avg
Rate1.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 0.22% above avgNationally 1.96%
Details

Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
202 Main St, Grand Junction, CO 81501
90 Day Add-on Certificate
$0
1.70% ▲ 0.22% above Colorado avg
Rate1.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 0.22% above avgNationally 1.96%
Details

Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
760 Rood Ave, Grand Junction, CO 81501 3408
3 Month CD
$10,000
0.25% ▼ 1.23% below Colorado avg
Rate0.25%
Min Deposit$10,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▼ 1.23% below avgNationally 1.96%
Details

Annual Percentage Yield calculation based on quarterly compounding. Dividends paid quarterly, early withdrawal penalties apply to all certificates. Rates are subject to change without notice.

Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
760 Rood Ave, Grand Junction, CO 81501 3408
3 Month CD
$500
0.20% ▼ 1.28% below Colorado avg
Rate0.20%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▼ 1.28% below avgNationally 1.96%
Details

Dividends paid quarterly, early withdrawal penalties apply to all certificates. Minimum deposit to open and to maintain to earn interest is $500.00. Rates are subject to change without notice.

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2415 Patterson Rd, Grand Junction, CO 81505
3 month Standard Fixed Rate CD
$2,500
0.06% ▼ 1.42% below Colorado avg
Rate0.06%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▼ 1.42% below avgNationally 1.96%
Details

Early withdrawal penalties may apply. Additional terms are available at a branch. Relationship Interest Rate 0.06%.

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2415 Patterson Rd, Grand Junction, CO 81505
3 month Standard Interest Rate
$2,500
0.06% ▼ 1.42% below Colorado avg
Rate0.06%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▼ 1.42% below avgNationally 1.96%
Details

Relationship APY 0.06%

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2415 Patterson Rd, Grand Junction, CO 81505
3 month Standard Fixed Rate CD
$2,500
0.05% ▼ 1.43% below Colorado avg
Rate0.05%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▼ 1.43% below avgNationally 1.96%
Details

Relationship APY 0.06%

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2415 Patterson Rd, Grand Junction, CO 81505
3 month Standard Interest Rate
$2,500
0.05% ▼ 1.43% below Colorado avg
Rate0.05%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▼ 1.43% below avgNationally 1.96%
Details

Relationship Interest Rate 0.06%

UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85% ▲ 2.37% above Colorado avg
Rate3.80%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 2.37% above avgNationally 1.96%
Details

Special Offer. balances under $100k

High Plains Bank Flagler, CO
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
3 Month CD
$250
3.70% ▲ 2.22% above Colorado avg
Rate3.63%
Min Deposit$250
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 2.22% above avgNationally 1.96%
Details

Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
3 Month CD
$5,000
3.65% ▲ 2.17% above Colorado avg
Rate3.58%
Min Deposit$5,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 2.17% above avgNationally 1.96%
Details

Early Withdrawal Penalty: 1 Month of Interest

Ent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
3 Month Standard CD
$500
3.64% ▲ 2.16% above Colorado avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 2.16% above avgNationally 1.96%
Details

Lock in a great rate. Access your money sooner with a short term. Choose the term that fits your savings goals.

FirsTier Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
3 Month CD
$0
3.60% ▲ 2.12% above Colorado avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 2.12% above avgNationally 1.96%
Details

A penalty may be imposed for early withdrawal. Certificate will automatically renew to a fixed rate CD of the equivalent term with the current rate at renewal. The Annual Percentage Yield is current as of August 24, 2026, and is subject to change at any time without notice.

Westminster Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.90%
3-Month Share Certificate
$0
3.50% ▲ 2.02% above Colorado avg
Rate3.44%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 2.02% above avgNationally 1.96%
Details

Credit Union of The Rockies
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
3 Month
$500
3.40% ▲ 1.92% above Colorado avg
Rate3.36%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 1.92% above avgNationally 1.96%
Details

Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
3 Months
$0
3.30% ▲ 1.82% above Colorado avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 1.82% above avgNationally 1.96%
Details

Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Certificates of Deposit (CD) 3 Months
$100
3.30% ▲ 1.82% above Colorado avg
Rate3.25%
Min Deposit$100
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 1.82% above avgNationally 1.96%
Details

Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
3 Month
$500
3.29% ▲ 1.81% above Colorado avg
Rate3.25%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 1.81% above avgNationally 1.96%
Details

Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
3-Month Certificate
$0
3.25% ▲ 1.77% above Colorado avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 1.77% above avgNationally 1.96%
Details

Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
3-Month IRA Certificate
$0
3.25% ▲ 1.77% above Colorado avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 1.77% above avgNationally 1.96%
Details

North Valley Bank Thornton, CO
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month CD
$1,000
3.24% ▲ 1.76% above Colorado avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 24, 2026
Colorado Average1.48%▲ 1.76% above avgNationally 1.96%
Details

Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
Share Certificates to 3 Month
$0
2.75% ▲ 1.27% above Colorado avg
Rate2.71%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 1.27% above avgNationally 1.96%
Details

$9,999.99; $500

Integrity Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 8.24%
3 Month
$0
2.52% ▲ 1.04% above Colorado avg
Rate2.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 1.04% above avgNationally 1.96%
Details

First FarmBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
3 Month CD
$0
2.50% ▲ 1.02% above Colorado avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 1.02% above avgNationally 1.96%
Details

Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
3 Month Certificate
$500
2.50% ▲ 1.02% above Colorado avg
Rate2.47%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 1.02% above avgNationally 1.96%
Details

Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
HSA 3 Month Certificate
$0
2.50% ▲ 1.02% above Colorado avg
Rate2.47%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 1.02% above avgNationally 1.96%
Details

Certificates (IRA, HSA)

San Luis Valley Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
3 Months
$0
2.29% ▲ 0.81% above Colorado avg
Rate2.27%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 0.81% above avgNationally 1.96%
Details

Foothills Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.24%
3 Month
$0
2.25% ▲ 0.77% above Colorado avg
Rate2.23%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 0.77% above avgNationally 1.96%
Details

Delta County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
3 Month
$250
2.02% ▲ 0.54% above Colorado avg
Rate2.00%
Min Deposit$250
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 0.54% above avgNationally 1.96%
Details

youth members only

Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
Individual Retirement Account (IRA) CDs - 3 Month
$0
1.85% ▲ 0.37% above Colorado avg
Rate1.83%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 0.37% above avgNationally 1.96%
Details

San Luis Valley Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
3 Months
$0
1.69% ▲ 0.21% above Colorado avg
Rate1.68%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 0.21% above avgNationally 1.96%
Details

Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
3 Month
$0
1.35% ▼ 0.13% below Colorado avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▼ 0.13% below avgNationally 1.96%
Details

CoreFirst Bank & Trust
Institution Rating:
A-5.0 ★Texas Ratio: 14.24%
3 months CD
$1,000
0.70% ▼ 0.78% below Colorado avg
Rate0.70%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▼ 0.78% below avgNationally 1.96%
Details

Native American Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
3 Months
$0
0.60% ▼ 0.88% below Colorado avg
Rate0.60%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▼ 0.88% below avgNationally 1.96%
Details

Native American Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
Business 3 Months
$0
0.60% ▼ 0.88% below Colorado avg
Rate0.60%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▼ 0.88% below avgNationally 1.96%
Details

Native American Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
Business 3 Months
$0
0.55% ▼ 0.93% below Colorado avg
Rate0.55%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▼ 0.93% below avgNationally 1.96%
Details

FirstOak Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Months
$0
0.55% ▼ 0.93% below Colorado avg
Rate0.55%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▼ 0.93% below avgNationally 1.96%
Details

Native American Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
Business 3 Months
$0
0.50% ▼ 0.98% below Colorado avg
Rate0.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▼ 0.98% below avgNationally 1.96%
Details

BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
90 Days
$0
0.11% ▼ 1.37% below Colorado avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▼ 1.37% below avgNationally 1.96%
Details

UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
3 months
$0
0.10% ▼ 1.38% below Colorado avg
Rate0.10%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▼ 1.38% below avgNationally 1.96%
Details

The District Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
3 Month Certificate
$500
0.10% ▼ 1.38% below Colorado avg
Rate0.10%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▼ 1.38% below avgNationally 1.96%
Details

Grand Junction 6 Month CD Rates

Colorado 6 Month CD Average1.73% APYNational 2.67%▼ 1.22% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
202 Main St, Grand Junction, CO 81501
6 Month
$0
3.60% ▲ 1.87% above Colorado avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.87% above avgNationally 2.67%
Details

Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
202 Main St, Grand Junction, CO 81501
6 Month
$0
3.51% ▲ 1.78% above Colorado avg
Rate3.46%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.78% above avgNationally 2.67%
Details

Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
202 Main St, Grand Junction, CO 81501
6 Month
$0
3.40% ▲ 1.67% above Colorado avg
Rate3.36%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.67% above avgNationally 2.67%
Details

Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
202 Main St, Grand Junction, CO 81501
6 Month
$0
3.30% ▲ 1.57% above Colorado avg
Rate3.26%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.57% above avgNationally 2.67%
Details

Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
202 Main St, Grand Junction, CO 81501
6 Month Add-on Certificate
$0
3.30% ▲ 1.57% above Colorado avg
Rate3.26%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.57% above avgNationally 2.67%
Details

ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
2608 N 12th St, Grand Junction, CO 81501
Business 180 Day Certificate
$0
3.10% ▲ 1.37% above Colorado avg
Rate3.06%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.37% above avgNationally 2.67%
Details

Grand Valley Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
570 25 Rd, Grand Junction, CO 81505
6 Months
$500
3.10% ▲ 1.37% above Colorado avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.37% above avgNationally 2.67%
Details

.25% bonus for Star and Senior Accounts!

Coloramo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.23%
516 28 Rd, Grand Junction, CO 81501
6-Month
$0
2.40% ▲ 0.67% above Colorado avg
Rate2.38%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 0.67% above avgNationally 2.67%
Details

Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
760 Rood Ave, Grand Junction, CO 81501 3408
6 Month CD
$10,000
0.35% ▼ 1.38% below Colorado avg
Rate0.35%
Min Deposit$10,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▼ 1.38% below avgNationally 2.67%
Details

Annual Percentage Yield calculation based on quarterly compounding. Dividends paid quarterly, early withdrawal penalties apply to all certificates. Rates are subject to change without notice.

Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
760 Rood Ave, Grand Junction, CO 81501 3408
6 Month CD
$500
0.30% ▼ 1.43% below Colorado avg
Rate0.30%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▼ 1.43% below avgNationally 2.67%
Details

Dividends paid quarterly, early withdrawal penalties apply to all certificates. Minimum deposit to open and to maintain to earn interest is $500.00. Rates are subject to change without notice.

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2415 Patterson Rd, Grand Junction, CO 81505
6 month Standard Interest Rate
$2,500
0.06% ▼ 1.67% below Colorado avg
Rate0.06%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▼ 1.67% below avgNationally 2.67%
Details

Relationship APY 0.06%

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2415 Patterson Rd, Grand Junction, CO 81505
6 month Standard Fixed Rate CD
$2,500
0.05% ▼ 1.68% below Colorado avg
Rate0.05%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▼ 1.68% below avgNationally 2.67%
Details

Relationship APY 0.06%

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2415 Patterson Rd, Grand Junction, CO 81505
6 month Standard Interest Rate
$2,500
0.05% ▼ 1.68% below Colorado avg
Rate0.05%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▼ 1.68% below avgNationally 2.67%
Details

Relationship Interest Rate 0.05%

United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
6-Month CD
$1,000
4.35% ▲ 2.62% above Colorado avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 2.62% above avgNationally 2.67%
Details

The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
Jumbo Certificates of Deposit & Greater - 6 Month
$0
4.32% ▲ 2.59% above Colorado avg
Rate4.25%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 2.59% above avgNationally 2.67%
Details

$100,000

Bankers Bank of the West
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 months
$50,000
4.18% ▲ 2.45% above Colorado avg
Rate4.18%
Min Deposit$50,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 2.45% above avgNationally 2.67%
Details

Interest paid quarterly via ACH to any account designated by the customer institution; Withdrawal before maturity is not permitted; BBW can arrange for the safekeeping of the instrument upon request

The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
6 Month CD
$1,000
4.06% ▲ 2.33% above Colorado avg
Rate4.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 2.33% above avgNationally 2.67%
Details

Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
6 Month CD
$5,000
4.00% ▲ 2.27% above Colorado avg
Rate3.92%
Min Deposit$5,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 2.27% above avgNationally 2.67%
Details

Early Withdrawal Penalty: 3 Months of Interest

Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
6 Month CD
$0
3.91% ▲ 2.18% above Colorado avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 2.18% above avgNationally 2.67%
Details

Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
6 Month Youth CD
$0
3.91% ▲ 2.18% above Colorado avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 2.18% above avgNationally 2.67%
Details

FirsTier Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
6 Month CD
$0
3.90% ▲ 2.17% above Colorado avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 2.17% above avgNationally 2.67%
Details

A penalty may be imposed for early withdrawal. Certificate will automatically renew to a fixed rate CD of the equivalent term with the current rate at renewal. The Annual Percentage Yield is current as of August 24, 2026, and is subject to change at any time without notice.

Westminster Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.90%
6-Month Share Certificate
$0
3.85% ▲ 2.12% above Colorado avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 2.12% above avgNationally 2.67%
Details

Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
6 months
$1,000
3.80% ▲ 2.07% above Colorado avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 2.07% above avgNationally 2.67%
Details

Adams Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
6-MONTH CD
$500
3.80% ▲ 2.07% above Colorado avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 2.07% above avgNationally 2.67%
Details

Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
Share/IRA/HSA Certificates 6 months
$0
3.80% ▲ 2.07% above Colorado avg
Rate3.74%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 2.07% above avgNationally 2.67%
Details

NuVista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
6 Month Certificate
$50,000
3.80% ▲ 2.07% above Colorado avg
Rate3.74%
Min Deposit$50,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 2.07% above avgNationally 2.67%
Details

Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
6 Month
$0
3.80% ▲ 2.07% above Colorado avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 2.07% above avgNationally 2.67%
Details

Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
6 Month CD
$0
3.80% ▲ 2.07% above Colorado avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 2.07% above avgNationally 2.67%
Details

Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
6 Month Youth CD
$50
3.80% ▲ 2.07% above Colorado avg
Rate3.75%
Min Deposit$50
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 2.07% above avgNationally 2.67%
Details

Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
6 month CD
$0
3.80% ▲ 2.07% above Colorado avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 2.07% above avgNationally 2.67%
Details

North Valley Bank Thornton, CO
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$1,000
3.78% ▲ 2.05% above Colorado avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 24, 2026
Colorado Average1.73%▲ 2.05% above avgNationally 2.67%
Details

Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
6-Month CD
$0
3.76% ▲ 2.03% above Colorado avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 2.03% above avgNationally 2.67%
Details

Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
6-Month Certificate
$0
3.75% ▲ 2.02% above Colorado avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 2.02% above avgNationally 2.67%
Details

Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
6-Month IRA Certificate
$0
3.75% ▲ 2.02% above Colorado avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 2.02% above avgNationally 2.67%
Details

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
6 Month Term
$0
3.72% ▲ 1.99% above Colorado avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.99% above avgNationally 2.67%
Details

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
6-Months Certificate
$1,000
3.72% ▲ 1.99% above Colorado avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.99% above avgNationally 2.67%
Details

Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
6 month CD
$0
3.70% ▲ 1.97% above Colorado avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.97% above avgNationally 2.67%
Details

Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
6-Month CD
$0
3.66% ▲ 1.93% above Colorado avg
Rate3.60%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.93% above avgNationally 2.67%
Details

First FarmBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
6 Month CD
$0
3.65% ▲ 1.92% above Colorado avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.92% above avgNationally 2.67%
Details

Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
6 Month
$0
3.65% ▲ 1.92% above Colorado avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.92% above avgNationally 2.67%
Details

On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
6 Month CD
$0
3.65% ▲ 1.92% above Colorado avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.92% above avgNationally 2.67%
Details

On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
JUMBO certificates 6 Months
$0
3.65% ▲ 1.92% above Colorado avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.92% above avgNationally 2.67%
Details

On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
Jumbo IRA CD 6 Months
$0
3.65% ▲ 1.92% above Colorado avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.92% above avgNationally 2.67%
Details

Foothills Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.24%
6 Month
$0
3.65% ▲ 1.92% above Colorado avg
Rate3.60%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.92% above avgNationally 2.67%
Details

Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
Share Certificates to 6 Month
$0
3.65% ▲ 1.92% above Colorado avg
Rate3.58%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.92% above avgNationally 2.67%
Details

$9,999.99; $500

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
6 Month
$0
3.60% ▲ 1.87% above Colorado avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.87% above avgNationally 2.67%
Details

Red Rocks Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
6-Months
$0
3.60% ▲ 1.87% above Colorado avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.87% above avgNationally 2.67%
Details

Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
6 Months
$0
3.60% ▲ 1.87% above Colorado avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.87% above avgNationally 2.67%
Details

Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Certificates of Deposit (CD) 6 Months
$100
3.60% ▲ 1.87% above Colorado avg
Rate3.54%
Min Deposit$100
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.87% above avgNationally 2.67%
Details

Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
6-Month CD
$0
3.56% ▲ 1.83% above Colorado avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.83% above avgNationally 2.67%
Details

Grand Junction 12 Month CD Rates

Colorado 12 Month CD Average2.49% APYNational 2.83%▼ 0.53% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
202 Main St, Grand Junction, CO 81501
1 Year
$0
3.80% ▲ 1.31% above Colorado avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.31% above avgNationally 2.83%
Details

Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
202 Main St, Grand Junction, CO 81501
1 Year
$0
3.70% ▲ 1.21% above Colorado avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.21% above avgNationally 2.83%
Details

Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
HSA CD 12 Months
$0
3.70% ▲ 1.21% above Colorado avg
Rate3.64%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.21% above avgNationally 2.83%
Details

Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
IRA CD 12 Months
$500
3.70% ▲ 1.21% above Colorado avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.21% above avgNationally 2.83%
Details

Invest a portion of your Traditional or Roth IRA Defer tax payments on Traditional IRA earnings to future withdrawals** Enjoy higher rates than a traditional savings account

Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
IRA Jumbo CDs 12 Months
$100,000
3.70% ▲ 1.21% above Colorado avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.21% above avgNationally 2.83%
Details

Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
Jumbo CD 12 Months
$100,000
3.70% ▲ 1.21% above Colorado avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.21% above avgNationally 2.83%
Details

Typically earns higher interest than traditional CDs with equivalent terms.

Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
Youth CD 12 Months
$50
3.70% ▲ 1.21% above Colorado avg
Rate
Min Deposit$50
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.21% above avgNationally 2.83%
Details

Ability to make additional deposits of $25 or more during the term of your CD. Available for members 24 years old and younger-persons under the age of 18 require an adult owner on the account.

Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
202 Main St, Grand Junction, CO 81501
1 Year
$0
3.60% ▲ 1.11% above Colorado avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.11% above avgNationally 2.83%
Details

Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
202 Main St, Grand Junction, CO 81501
1 Year
$0
3.51% ▲ 1.02% above Colorado avg
Rate3.46%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.02% above avgNationally 2.83%
Details

Coloramo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.23%
516 28 Rd, Grand Junction, CO 81501
12-Month
$0
3.40% ▲ 0.91% above Colorado avg
Rate3.36%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 0.91% above avgNationally 2.83%
Details

ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
2608 N 12th St, Grand Junction, CO 81501
Business 12 Month Certificate
$0
3.30% ▲ 0.81% above Colorado avg
Rate3.26%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 0.81% above avgNationally 2.83%
Details

Grand Valley Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
570 25 Rd, Grand Junction, CO 81505
12 Months
$500
3.20% ▲ 0.71% above Colorado avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 0.71% above avgNationally 2.83%
Details

.25% bonus for Star and Senior Accounts!

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2415 Patterson Rd, Grand Junction, CO 81505
1 year Standard Fixed Rate CD
$2,500
1.51% ▼ 0.98% below Colorado avg
Rate1.50%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▼ 0.98% below avgNationally 2.83%
Details

Early withdrawal penalties may apply. Additional terms are available at a branch. Relationship Interest Rate 1.50%.

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2415 Patterson Rd, Grand Junction, CO 81505
1 year Standard Interest Rate
$2,500
1.51% ▼ 0.98% below Colorado avg
Rate1.50%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▼ 0.98% below avgNationally 2.83%
Details

Relationship APY 1.51%

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2415 Patterson Rd, Grand Junction, CO 81505
1 year Standard Fixed Rate CD
$2,500
1.50% ▼ 0.99% below Colorado avg
Rate1.49%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▼ 0.99% below avgNationally 2.83%
Details

Relationship APY 1.51%

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2415 Patterson Rd, Grand Junction, CO 81505
1 year Standard Interest Rate
$2,500
1.50% ▼ 0.99% below Colorado avg
Rate1.49%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▼ 0.99% below avgNationally 2.83%
Details

Relationship Interest Rate 1.50%

Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
760 Rood Ave, Grand Junction, CO 81501 3408
12 Month CD
$10,000
0.45% ▼ 2.04% below Colorado avg
Rate0.45%
Min Deposit$10,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▼ 2.04% below avgNationally 2.83%
Details

Annual Percentage Yield calculation based on quarterly compounding. Dividends paid quarterly, early withdrawal penalties apply to all certificates. Rates are subject to change without notice.

Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
760 Rood Ave, Grand Junction, CO 81501 3408
12 Month CD
$500
0.35% ▼ 2.14% below Colorado avg
Rate0.35%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▼ 2.14% below avgNationally 2.83%
Details

Dividends paid quarterly, early withdrawal penalties apply to all certificates. Minimum deposit to open and to maintain to earn interest is $500.00. Rates are subject to change without notice.

NuVista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
12 Month DREAM Certificate
$100
5.12% ▲ 2.63% above Colorado avg
Rate5.00%
Min Deposit$100
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 2.63% above avgNationally 2.83%
Details

DREAM Certificate****; Rate: 5.00%****; APY: 5.12%****

United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
12-Month CD
$1,000
4.40% ▲ 1.91% above Colorado avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.91% above avgNationally 2.83%
Details

Bankers Bank of the West
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 months
$50,000
4.22% ▲ 1.73% above Colorado avg
Rate4.22%
Min Deposit$50,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.73% above avgNationally 2.83%
Details

Interest paid quarterly via ACH to any account designated by the customer institution; Withdrawal before maturity is not permitted; BBW can arrange for the safekeeping of the instrument upon request

Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
12 Month CD
$5,000
4.10% ▲ 1.61% above Colorado avg
Rate4.02%
Min Deposit$5,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.61% above avgNationally 2.83%
Details

Early Withdrawal Penalty: 3 Months of Interest

The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
Jumbo Certificates of Deposit & Greater - 1 Year
$0
4.06% ▲ 1.57% above Colorado avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.57% above avgNationally 2.83%
Details

$100,000

FirsTier Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
12 Month CD
$0
3.95% ▲ 1.46% above Colorado avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.46% above avgNationally 2.83%
Details

A penalty may be imposed for early withdrawal. Certificate will automatically renew to a fixed rate CD of the equivalent term with the current rate at renewal. The Annual Percentage Yield is current as of August 24, 2026, and is subject to change at any time without notice.

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 12 Month
$0
3.89% ▲ 1.40% above Colorado avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.40% above avgNationally 2.83%
Details

Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1 year CD
$0
3.87% ▲ 1.38% above Colorado avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.38% above avgNationally 2.83%
Details

Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
1 Year CD
$0
3.86% ▲ 1.37% above Colorado avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.37% above avgNationally 2.83%
Details

Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
1 Year Youth CD
$0
3.86% ▲ 1.37% above Colorado avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.37% above avgNationally 2.83%
Details

Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
12 months
$1,000
3.85% ▲ 1.36% above Colorado avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.36% above avgNationally 2.83%
Details

Yuma County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
12 Months
$50,000
3.82% ▲ 1.33% above Colorado avg
Rate3.75%
Min Deposit$50,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.33% above avgNationally 2.83%
Details

Dividends will be compounded and credited semi-yearly. The Annual Percentage Yield (APY) disclosed assumes that dividends remain in the account until maturity. Any withdrawal will reduce earnings. A penalty may be imposed for early withdrawals.

The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
1 Year CD
$1,000
3.80% ▲ 1.31% above Colorado avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.31% above avgNationally 2.83%
Details

Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
Share/IRA/HSA Certificates 12 months
$0
3.80% ▲ 1.31% above Colorado avg
Rate3.74%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.31% above avgNationally 2.83%
Details

Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
12 Month
$1,000
3.80% ▲ 1.31% above Colorado avg
Rate3.41%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.31% above avgNationally 2.83%
Details

Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1 year CD
$0
3.76% ▲ 1.27% above Colorado avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.27% above avgNationally 2.83%
Details

North Valley Bank Thornton, CO
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 Year CD
$1,000
3.75% ▲ 1.26% above Colorado avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 24, 2026
Colorado Average2.49%▲ 1.26% above avgNationally 2.83%
Details

Westminster Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.90%
12-Month Jumbo Share Certificate
$0
3.75% ▲ 1.26% above Colorado avg
Rate3.68%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.26% above avgNationally 2.83%
Details

Westminster Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.90%
12-Month Share Certificate
$0
3.75% ▲ 1.26% above Colorado avg
Rate3.68%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.26% above avgNationally 2.83%
Details

Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
1 Year
$0
3.75% ▲ 1.26% above Colorado avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.26% above avgNationally 2.83%
Details

Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
1 Year CD
$0
3.75% ▲ 1.26% above Colorado avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.26% above avgNationally 2.83%
Details

Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
1 Year Youth CD
$50
3.75% ▲ 1.26% above Colorado avg
Rate3.70%
Min Deposit$50
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.26% above avgNationally 2.83%
Details

On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
12 Month CD
$0
3.75% ▲ 1.26% above Colorado avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.26% above avgNationally 2.83%
Details

On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
JUMBO certificates 12 Months
$0
3.75% ▲ 1.26% above Colorado avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.26% above avgNationally 2.83%
Details

On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
Jumbo IRA CD 12 Months
$0
3.75% ▲ 1.26% above Colorado avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.26% above avgNationally 2.83%
Details

Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
12-Month Certificate
$0
3.75% ▲ 1.26% above Colorado avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.26% above avgNationally 2.83%
Details

Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
12-Month IRA Certificate
$0
3.75% ▲ 1.26% above Colorado avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.26% above avgNationally 2.83%
Details

Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
12 month CD
$0
3.75% ▲ 1.26% above Colorado avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.26% above avgNationally 2.83%
Details

Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
12 Months
$0
3.75% ▲ 1.26% above Colorado avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.26% above avgNationally 2.83%
Details

Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Certificates of Deposit (CD) 12 Months
$100
3.75% ▲ 1.26% above Colorado avg
Rate3.69%
Min Deposit$100
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.26% above avgNationally 2.83%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
12 Month
$0
3.74% ▲ 1.25% above Colorado avg
Rate3.68%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.25% above avgNationally 2.83%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
YOUth Boost 12-Month
$0
3.74% ▲ 1.25% above Colorado avg
Rate3.68%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.25% above avgNationally 2.83%
Details

Grand Junction 18 Month CD Rates

Colorado 18 Month CD Average2.64% APYNational 2.67%▲ 0.12% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
202 Main St, Grand Junction, CO 81501
18 Month
$0
3.00% ▲ 0.36% above Colorado avg
Rate2.97%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.36% above avgNationally 2.67%
Details

Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
202 Main St, Grand Junction, CO 81501
18 Month
$0
2.90% ▲ 0.26% above Colorado avg
Rate2.87%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.26% above avgNationally 2.67%
Details

Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
202 Main St, Grand Junction, CO 81501
18 Month
$0
2.80% ▲ 0.16% above Colorado avg
Rate2.77%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.16% above avgNationally 2.67%
Details

Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
202 Main St, Grand Junction, CO 81501
18 Month
$0
2.70% ▲ 0.06% above Colorado avg
Rate2.67%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.06% above avgNationally 2.67%
Details

Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
Smart Move 18 Month CD
$0
2.40% ▼ 0.24% below Colorado avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▼ 0.24% below avgNationally 2.67%
Details

Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
Smart Move CD 18 Months
$2,500
2.40% ▼ 0.24% below Colorado avg
Rate
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▼ 0.24% below avgNationally 2.67%
Details

Make a one-time "bump-up" to the interest rate currently offered for the same type certificate account anytime during the original term of your CD. Ability to add a one-time additional deposit of $100 or more to your existing account. Flexibility to make one withdrawal during the account term with no penalty-as long as a minimum balance of $1,000 is left in the account.

Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
760 Rood Ave, Grand Junction, CO 81501 3408
18 Month CD
$10,000
0.50% ▼ 2.14% below Colorado avg
Rate0.50%
Min Deposit$10,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▼ 2.14% below avgNationally 2.67%
Details

Annual Percentage Yield calculation based on quarterly compounding. Dividends paid quarterly, early withdrawal penalties apply to all certificates. Rates are subject to change without notice.

Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
760 Rood Ave, Grand Junction, CO 81501 3408
18 Month CD
$500
0.45% ▼ 2.19% below Colorado avg
Rate0.45%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▼ 2.19% below avgNationally 2.67%
Details

Dividends paid quarterly, early withdrawal penalties apply to all certificates. Minimum deposit to open and to maintain to earn interest is $500.00. Rates are subject to change without notice.

United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
18-Month CD
$1,000
4.50% ▲ 1.86% above Colorado avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 1.86% above avgNationally 2.67%
Details

Bankers Bank of the West
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 months
$50,000
4.20% ▲ 1.56% above Colorado avg
Rate4.20%
Min Deposit$50,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 1.56% above avgNationally 2.67%
Details

Interest paid quarterly via ACH to any account designated by the customer institution; Withdrawal before maturity is not permitted; BBW can arrange for the safekeeping of the instrument upon request

Yuma County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
18 Months
$50,000
4.08% ▲ 1.44% above Colorado avg
Rate4.00%
Min Deposit$50,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 1.44% above avgNationally 2.67%
Details

Dividends will be compounded and credited semi-yearly. The Annual Percentage Yield (APY) disclosed assumes that dividends remain in the account until maturity. Any withdrawal will reduce earnings. A penalty may be imposed for early withdrawals.

Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
18 Month CD
$5,000
4.05% ▲ 1.41% above Colorado avg
Rate3.97%
Min Deposit$5,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 1.41% above avgNationally 2.67%
Details

Early Withdrawal Penalty: 6 Months of Interest

Yuma County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
18 Months
$10,000
3.82% ▲ 1.18% above Colorado avg
Rate3.75%
Min Deposit$10,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 1.18% above avgNationally 2.67%
Details

The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
Jumbo Certificates of Deposit & Greater - 18 Month
$0
3.80% ▲ 1.16% above Colorado avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 1.16% above avgNationally 2.67%
Details

$100,000

Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
18 month CD
$0
3.65% ▲ 1.01% above Colorado avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 1.01% above avgNationally 2.67%
Details

FirsTier Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
18 Month CD
$0
3.60% ▲ 0.96% above Colorado avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.96% above avgNationally 2.67%
Details

A penalty may be imposed for early withdrawal. Certificate will automatically renew to a fixed rate CD of the equivalent term with the current rate at renewal. The Annual Percentage Yield is current as of August 24, 2026, and is subject to change at any time without notice.

Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
18 Month (Variable Rate) IRA Certificate
$500
3.56% ▲ 0.92% above Colorado avg
Rate3.50%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.92% above avgNationally 2.67%
Details

Variable Rate

Yuma County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
18 Months
$500
3.56% ▲ 0.92% above Colorado avg
Rate3.50%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.92% above avgNationally 2.67%
Details

The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
18 Month CD
$1,000
3.55% ▲ 0.91% above Colorado avg
Rate3.50%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.91% above avgNationally 2.67%
Details

Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
18 month CD
$0
3.55% ▲ 0.91% above Colorado avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.91% above avgNationally 2.67%
Details

Foothills Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.24%
18 Month
$0
3.50% ▲ 0.86% above Colorado avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.86% above avgNationally 2.67%
Details

Credit Union of The Rockies
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
18 Month
$500
3.50% ▲ 0.86% above Colorado avg
Rate3.46%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.86% above avgNationally 2.67%
Details

Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
18 Months
$0
3.40% ▲ 0.76% above Colorado avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.76% above avgNationally 2.67%
Details

Penalty: 180 days interest

Sterling Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
18 month Share Certificate
$1,000
3.35% ▲ 0.71% above Colorado avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.71% above avgNationally 2.67%
Details

Sterling Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Share Certificate / CD 18 month
$1,000
3.35% ▲ 0.71% above Colorado avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.71% above avgNationally 2.67%
Details

Northern Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
18 MONTH IRA CERT
$1,000
3.35% ▲ 0.71% above Colorado avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.71% above avgNationally 2.67%
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
18 Month Certificate
$0
3.30% ▲ 0.66% above Colorado avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.66% above avgNationally 2.67%
Details

Equitable Savings and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
IRA 18 MONTH CD
$100
3.25% ▲ 0.61% above Colorado avg
Rate3.20%
Min Deposit$100
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.61% above avgNationally 2.67%
Details

Penalty: 6 MO

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
18 Month Certificate
$0
3.25% ▲ 0.61% above Colorado avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.61% above avgNationally 2.67%
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Business 18 Month Certificate
$0
3.25% ▲ 0.61% above Colorado avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.61% above avgNationally 2.67%
Details

Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
IRA Share Certificate 18 Month
$0
3.25% ▲ 0.61% above Colorado avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.61% above avgNationally 2.67%
Details

Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
IRA Share Certificates 18 Month
$0
3.25% ▲ 0.61% above Colorado avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.61% above avgNationally 2.67%
Details

Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
18 Month
$500
3.24% ▲ 0.60% above Colorado avg
Rate3.20%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.60% above avgNationally 2.67%
Details

Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
Super Jumbo Certificates 18 Month
$0
3.20% ▲ 0.56% above Colorado avg
Rate3.16%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.56% above avgNationally 2.67%
Details

$50,000

Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
18 Month Certificate
$500
3.20% ▲ 0.56% above Colorado avg
Rate3.15%
Min Deposit$500
Min Balance
Verified and UpdatedAug 29, 2026
Colorado Average2.64%▲ 0.56% above avgNationally 2.67%
Details

Integrity Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 8.24%
18 Month
$0
3.19% ▲ 0.55% above Colorado avg
Rate3.15%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.55% above avgNationally 2.67%
Details

Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
Jumbo Certificates 18 Month
$0
3.15% ▲ 0.51% above Colorado avg
Rate3.11%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.51% above avgNationally 2.67%
Details

$10,000

Sunwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.67%
18 Month
$0
3.15% ▲ 0.51% above Colorado avg
Rate3.10%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.51% above avgNationally 2.67%
Details

Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
18 Months
$0
3.15% ▲ 0.51% above Colorado avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.51% above avgNationally 2.67%
Details

Penalty: 180 days interest

Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
18 Month Term Certificate
$0
3.10% ▲ 0.46% above Colorado avg
Rate3.06%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.46% above avgNationally 2.67%
Details

Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
18 months
$0
3.05% ▲ 0.41% above Colorado avg
Rate3.01%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.41% above avgNationally 2.67%
Details

Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
18 Months
$0
2.90% ▲ 0.26% above Colorado avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.26% above avgNationally 2.67%
Details

Penalty: 180 days interest

San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
18 Months
$0
2.63% ▼ 0.01% below Colorado avg
Rate2.60%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▼ 0.01% below avgNationally 2.67%
Details

Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
18 Month Certificate
$500
2.50% ▼ 0.14% below Colorado avg
Rate2.47%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▼ 0.14% below avgNationally 2.67%
Details

Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
HSA 18 Month Certificate
$0
2.50% ▼ 0.14% below Colorado avg
Rate2.47%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▼ 0.14% below avgNationally 2.67%
Details

Certificates (IRA, HSA)

5Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
18 Month CD/IRA
$1,000
2.45% ▼ 0.19% below Colorado avg
Rate2.42%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▼ 0.19% below avgNationally 2.67%
Details

BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
18 Months
$0
2.05% ▼ 0.59% below Colorado avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▼ 0.59% below avgNationally 2.67%
Details

The District Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
18 Month Certificate
$500
2.05% ▼ 0.59% below Colorado avg
Rate2.03%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▼ 0.59% below avgNationally 2.67%
Details

Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
18 month Variable
$0
1.97% ▼ 0.67% below Colorado avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▼ 0.67% below avgNationally 2.67%
Details

Variable Rate Individual Retirement Accounts

Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
18 months
$1,000
1.86% ▼ 0.78% below Colorado avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▼ 0.78% below avgNationally 2.67%
Details

Grand Junction 24 Month CD Rates

Colorado 24 Month CD Average2.95% APYNational 2.71%▲ 0.12% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
HSA CD 24 Months
$0
3.60% ▲ 0.65% above Colorado avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.65% above avgNationally 2.71%
Details

Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
IRA CD 24 Months
$500
3.60% ▲ 0.65% above Colorado avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.65% above avgNationally 2.71%
Details

Invest a portion of your Traditional or Roth IRA Defer tax payments on Traditional IRA earnings to future withdrawals** Enjoy higher rates than a traditional savings account

Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
Smart Move 24 Month CD
$0
3.40% ▲ 0.45% above Colorado avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.45% above avgNationally 2.71%
Details

Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
Smart Move CD 24 Months
$2,500
3.40% ▲ 0.45% above Colorado avg
Rate
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.45% above avgNationally 2.71%
Details

Make a one-time "bump-up" to the interest rate currently offered for the same type certificate account anytime during the original term of your CD. Ability to add a one-time additional deposit of $100 or more to your existing account. Flexibility to make one withdrawal during the account term with no penalty-as long as a minimum balance of $1,000 is left in the account.

Coloramo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.23%
516 28 Rd, Grand Junction, CO 81501
24-Month
$0
3.40% ▲ 0.45% above Colorado avg
Rate3.36%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.45% above avgNationally 2.71%
Details

ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
2608 N 12th St, Grand Junction, CO 81501
Business 24 Month Certificate
$0
3.35% ▲ 0.40% above Colorado avg
Rate3.31%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.40% above avgNationally 2.71%
Details

Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
202 Main St, Grand Junction, CO 81501
2 Year
$0
3.15% ▲ 0.20% above Colorado avg
Rate3.11%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.20% above avgNationally 2.71%
Details

Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
202 Main St, Grand Junction, CO 81501
2 Year
$0
3.05% ▲ 0.10% above Colorado avg
Rate3.02%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.10% above avgNationally 2.71%
Details

Grand Valley Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
570 25 Rd, Grand Junction, CO 81505
24 Months
$500
3.00% ▲ 0.05% above Colorado avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.05% above avgNationally 2.71%
Details

.25% bonus for Star and Senior Accounts!

Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
202 Main St, Grand Junction, CO 81501
2 Year
$0
2.95% At Colorado avg
Rate2.92%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.95%At the averageNationally 2.71%
Details

Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
202 Main St, Grand Junction, CO 81501
2 Year
$0
2.85% ▼ 0.10% below Colorado avg
Rate2.82%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▼ 0.10% below avgNationally 2.71%
Details

Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
760 Rood Ave, Grand Junction, CO 81501 3408
24 Month CD
$10,000
0.60% ▼ 2.35% below Colorado avg
Rate0.60%
Min Deposit$10,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▼ 2.35% below avgNationally 2.71%
Details

Annual Percentage Yield calculation based on quarterly compounding. Dividends paid quarterly, early withdrawal penalties apply to all certificates. Rates are subject to change without notice.

Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
760 Rood Ave, Grand Junction, CO 81501 3408
24 Month CD
$500
0.50% ▼ 2.45% below Colorado avg
Rate0.50%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▼ 2.45% below avgNationally 2.71%
Details

Dividends paid quarterly, early withdrawal penalties apply to all certificates. Minimum deposit to open and to maintain to earn interest is $500.00. Rates are subject to change without notice.

5Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
24 Month Variable IRA
$250
4.31% ▲ 1.36% above Colorado avg
Rate4.22%
Min Deposit$250
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 1.36% above avgNationally 2.71%
Details

Variable Rate

Bankers Bank of the West
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 months
$50,000
4.21% ▲ 1.26% above Colorado avg
Rate4.21%
Min Deposit$50,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 1.26% above avgNationally 2.71%
Details

Interest paid quarterly via ACH to any account designated by the customer institution; Withdrawal before maturity is not permitted; BBW can arrange for the safekeeping of the instrument upon request

United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
24-Month CD
$1,000
4.20% ▲ 1.25% above Colorado avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 1.25% above avgNationally 2.71%
Details

Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
24 Month CD
$5,000
4.00% ▲ 1.05% above Colorado avg
Rate3.92%
Min Deposit$5,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 1.05% above avgNationally 2.71%
Details

Early Withdrawal Penalty: 6 Months of Interest

Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
24 months
$1,000
3.90% ▲ 0.95% above Colorado avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.95% above avgNationally 2.71%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 24 Month
$0
3.90% ▲ 0.95% above Colorado avg
Rate3.84%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.95% above avgNationally 2.71%
Details

Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
24 Months
$0
3.90% ▲ 0.95% above Colorado avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.95% above avgNationally 2.71%
Details

Penalty: 180 days interest

On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
JUMBO certificates 24 Months
$0
3.85% ▲ 0.90% above Colorado avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.90% above avgNationally 2.71%
Details

On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
Jumbo IRA CD 24 Months
$0
3.85% ▲ 0.90% above Colorado avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.90% above avgNationally 2.71%
Details

Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
2 years CD
$0
3.82% ▲ 0.87% above Colorado avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.87% above avgNationally 2.71%
Details

The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
Jumbo Certificates of Deposit & Greater - 2 Year
$0
3.80% ▲ 0.85% above Colorado avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.85% above avgNationally 2.71%
Details

$100,000

Ent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
24 Month Standard CD
$500
3.80% ▲ 0.85% above Colorado avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.85% above avgNationally 2.71%
Details

Save with a guaranteed rate that won't sweat if the market dips. Choose the term that fits your long-term savings goals. Rest easy without the hassles of playing the market.

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
24 Month
$0
3.75% ▲ 0.80% above Colorado avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.80% above avgNationally 2.71%
Details

Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
2 years CD
$0
3.71% ▲ 0.76% above Colorado avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.76% above avgNationally 2.71%
Details

Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
Share/IRA/HSA Certificates 24 months
$0
3.65% ▲ 0.70% above Colorado avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.70% above avgNationally 2.71%
Details

Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
24 Months
$0
3.65% ▲ 0.70% above Colorado avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.70% above avgNationally 2.71%
Details

Penalty: 180 days interest

Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
24 month CD
$0
3.65% ▲ 0.70% above Colorado avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.70% above avgNationally 2.71%
Details

Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
2 years CD
$0
3.61% ▲ 0.66% above Colorado avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.66% above avgNationally 2.71%
Details

Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
24 MONTHS
$100,000
3.60% ▲ 0.65% above Colorado avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.65% above avgNationally 2.71%
Details

Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
2 Years CD
$0
3.60% ▲ 0.65% above Colorado avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.65% above avgNationally 2.71%
Details

Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
24 Month
$500
3.60% ▲ 0.65% above Colorado avg
Rate3.55%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.65% above avgNationally 2.71%
Details

Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
2 Years IRA Certificate
$500
3.57% ▲ 0.62% above Colorado avg
Rate3.50%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.62% above avgNationally 2.71%
Details

Yuma County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
24 Months
$50,000
3.56% ▲ 0.61% above Colorado avg
Rate3.50%
Min Deposit$50,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.61% above avgNationally 2.71%
Details

Dividends will be compounded and credited semi-yearly. The Annual Percentage Yield (APY) disclosed assumes that dividends remain in the account until maturity. Any withdrawal will reduce earnings. A penalty may be imposed for early withdrawals.

The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
2 Year CD
$1,000
3.55% ▲ 0.60% above Colorado avg
Rate3.50%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.60% above avgNationally 2.71%
Details

Westminster Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.90%
24-Month Share Certificate
$0
3.55% ▲ 0.60% above Colorado avg
Rate3.49%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.60% above avgNationally 2.71%
Details

Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
24 month CD
$0
3.55% ▲ 0.60% above Colorado avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.60% above avgNationally 2.71%
Details

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
24 Month Term
$0
3.51% ▲ 0.56% above Colorado avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.56% above avgNationally 2.71%
Details

North Valley Bank Thornton, CO
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Year CD
$1,000
3.50% ▲ 0.55% above Colorado avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 24, 2026
Colorado Average2.95%▲ 0.55% above avgNationally 2.71%
Details

Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
24 MONTHS
$500
3.50% ▲ 0.55% above Colorado avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.55% above avgNationally 2.71%
Details

Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
2 Years
$0
3.50% ▲ 0.55% above Colorado avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.55% above avgNationally 2.71%
Details

Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
2 Years CD
$0
3.50% ▲ 0.55% above Colorado avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.55% above avgNationally 2.71%
Details

Credit Union of The Rockies
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
24 Month
$500
3.50% ▲ 0.55% above Colorado avg
Rate3.46%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.55% above avgNationally 2.71%
Details

Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
24-Month Certificate
$0
3.50% ▲ 0.55% above Colorado avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.55% above avgNationally 2.71%
Details

Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
24-Month IRA Certificate
$0
3.50% ▲ 0.55% above Colorado avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.55% above avgNationally 2.71%
Details

Foothills Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.24%
24 Month
$0
3.45% ▲ 0.50% above Colorado avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.50% above avgNationally 2.71%
Details

Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
24 Months
$0
3.40% ▲ 0.45% above Colorado avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.45% above avgNationally 2.71%
Details

Penalty: 180 days interest

Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
24 Months
$0
3.40% ▲ 0.45% above Colorado avg
Rate3.35%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.45% above avgNationally 2.71%
Details

Grand Junction 36 Month CD Rates

Colorado 36 Month CD Average3.07% APYNational 2.66%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
2608 N 12th St, Grand Junction, CO 81501
Business 36 Month Certificate
$0
3.40% ▲ 0.33% above Colorado avg
Rate3.36%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.33% above avgNationally 2.66%
Details

Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
HSA CD 36 Months
$0
3.40% ▲ 0.33% above Colorado avg
Rate3.35%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.33% above avgNationally 2.66%
Details

Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
IRA CD 36 Months
$500
3.40% ▲ 0.33% above Colorado avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.33% above avgNationally 2.66%
Details

Invest a portion of your Traditional or Roth IRA Defer tax payments on Traditional IRA earnings to future withdrawals** Enjoy higher rates than a traditional savings account

Coloramo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.23%
516 28 Rd, Grand Junction, CO 81501
36-Month
$0
3.40% ▲ 0.33% above Colorado avg
Rate3.36%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.33% above avgNationally 2.66%
Details

Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
202 Main St, Grand Junction, CO 81501
3 Year
$0
3.25% ▲ 0.18% above Colorado avg
Rate3.21%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.18% above avgNationally 2.66%
Details

Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
202 Main St, Grand Junction, CO 81501
3 Year
$0
3.15% ▲ 0.08% above Colorado avg
Rate3.11%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.08% above avgNationally 2.66%
Details

Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
Smart Move 36 Month CD
$0
3.15% ▲ 0.08% above Colorado avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.08% above avgNationally 2.66%
Details

Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
Smart Move CD 36 Months
$2,500
3.15% ▲ 0.08% above Colorado avg
Rate
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.08% above avgNationally 2.66%
Details

Make a one-time "bump-up" to the interest rate currently offered for the same type certificate account anytime during the original term of your CD. Ability to add a one-time additional deposit of $100 or more to your existing account. Flexibility to make one withdrawal during the account term with no penalty-as long as a minimum balance of $1,000 is left in the account.

Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
202 Main St, Grand Junction, CO 81501
3 Year
$0
3.05% ▼ 0.02% below Colorado avg
Rate3.02%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▼ 0.02% below avgNationally 2.66%
Details

Grand Valley Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
570 25 Rd, Grand Junction, CO 81505
36 Months
$500
3.00% ▼ 0.07% below Colorado avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▼ 0.07% below avgNationally 2.66%
Details

.25% bonus for Star and Senior Accounts!

Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
202 Main St, Grand Junction, CO 81501
3 Year
$0
2.95% ▼ 0.12% below Colorado avg
Rate2.92%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▼ 0.12% below avgNationally 2.66%
Details

Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
760 Rood Ave, Grand Junction, CO 81501 3408
36 Month CD
$10,000
0.65% ▼ 2.42% below Colorado avg
Rate0.65%
Min Deposit$10,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▼ 2.42% below avgNationally 2.66%
Details

Annual Percentage Yield calculation based on quarterly compounding. Dividends paid quarterly, early withdrawal penalties apply to all certificates. Rates are subject to change without notice.

5Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
36 Month Variable IRA
$250
4.36% ▲ 1.29% above Colorado avg
Rate4.27%
Min Deposit$250
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 1.29% above avgNationally 2.66%
Details

Variable Rate

United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
36-Month CD
$1,000
4.20% ▲ 1.13% above Colorado avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 1.13% above avgNationally 2.66%
Details

On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
JUMBO certificates 36 Months
$0
4.10% ▲ 1.03% above Colorado avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 1.03% above avgNationally 2.66%
Details

On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
Jumbo IRA CD 36 Months
$0
4.10% ▲ 1.03% above Colorado avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 1.03% above avgNationally 2.66%
Details

Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
3 Years
$500
4.09% ▲ 1.02% above Colorado avg
Rate4.00%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 1.02% above avgNationally 2.66%
Details

Bankers Bank of the West
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 months
$50,000
4.05% ▲ 0.98% above Colorado avg
Rate4.05%
Min Deposit$50,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.98% above avgNationally 2.66%
Details

Interest paid quarterly via ACH to any account designated by the customer institution; Withdrawal before maturity is not permitted; BBW can arrange for the safekeeping of the instrument upon request

Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
36 Month CD
$5,000
3.95% ▲ 0.88% above Colorado avg
Rate3.87%
Min Deposit$5,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.88% above avgNationally 2.66%
Details

Early Withdrawal Penalty: 6 Months of Interest

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 36 Month
$0
3.86% ▲ 0.79% above Colorado avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.79% above avgNationally 2.66%
Details

Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
36 Months
$0
3.85% ▲ 0.78% above Colorado avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.78% above avgNationally 2.66%
Details

Penalty: 180 days interest

The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
Jumbo Certificates of Deposit & Greater - 3 Year
$0
3.80% ▲ 0.73% above Colorado avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.73% above avgNationally 2.66%
Details

$100,000

Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
36 month CD
$0
3.75% ▲ 0.68% above Colorado avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.68% above avgNationally 2.66%
Details

Ent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
36 Month Flex Certificate
$0
3.75% ▲ 0.68% above Colorado avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.68% above avgNationally 2.66%
Details

Ent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
36-Month Flex Certificate
$0
3.75% ▲ 0.68% above Colorado avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.68% above avgNationally 2.66%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
36 Month
$0
3.71% ▲ 0.64% above Colorado avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.64% above avgNationally 2.66%
Details

Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
Share/IRA/HSA Certificates 36 months
$0
3.65% ▲ 0.58% above Colorado avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.58% above avgNationally 2.66%
Details

Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
36 month CD
$0
3.65% ▲ 0.58% above Colorado avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.58% above avgNationally 2.66%
Details

Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
36 Months
$0
3.65% ▲ 0.58% above Colorado avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.58% above avgNationally 2.66%
Details

Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Certificates of Deposit (CD) 36 Months
$0
3.65% ▲ 0.58% above Colorado avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.58% above avgNationally 2.66%
Details

Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
36 Months
$0
3.60% ▲ 0.53% above Colorado avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.53% above avgNationally 2.66%
Details

Penalty: 180 days interest

Credit Union of The Rockies
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
36 Month
$500
3.60% ▲ 0.53% above Colorado avg
Rate3.55%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.53% above avgNationally 2.66%
Details

Yuma County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
36 Months
$50,000
3.56% ▲ 0.49% above Colorado avg
Rate3.50%
Min Deposit$50,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.49% above avgNationally 2.66%
Details

Dividends will be compounded and credited semi-yearly. The Annual Percentage Yield (APY) disclosed assumes that dividends remain in the account until maturity. Any withdrawal will reduce earnings. A penalty may be imposed for early withdrawals.

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
36 Month Term
$0
3.56% ▲ 0.49% above Colorado avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.49% above avgNationally 2.66%
Details

The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
3 Year CD
$1,000
3.55% ▲ 0.48% above Colorado avg
Rate3.50%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.48% above avgNationally 2.66%
Details

Equitable Savings and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
36 MONTH IRA
$2,000
3.46% ▲ 0.39% above Colorado avg
Rate3.40%
Min Deposit$2,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.39% above avgNationally 2.66%
Details

Penalty: 12 MO

Westminster Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.90%
36-Month Jumbo Share Certificate
$0
3.45% ▲ 0.38% above Colorado avg
Rate3.39%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.38% above avgNationally 2.66%
Details

Westminster Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.90%
36-Month Share Certificate
$0
3.45% ▲ 0.38% above Colorado avg
Rate3.39%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.38% above avgNationally 2.66%
Details

Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
36 MONTHS
$100,000
3.40% ▲ 0.33% above Colorado avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.33% above avgNationally 2.66%
Details

Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
36 Month
$0
3.40% ▲ 0.33% above Colorado avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.33% above avgNationally 2.66%
Details

Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
36-Month Certificate
$0
3.40% ▲ 0.33% above Colorado avg
Rate3.35%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.33% above avgNationally 2.66%
Details

Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
36-Month IRA Certificate
$0
3.40% ▲ 0.33% above Colorado avg
Rate3.35%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.33% above avgNationally 2.66%
Details

Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
36 Months
$0
3.40% ▲ 0.33% above Colorado avg
Rate3.35%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.33% above avgNationally 2.66%
Details

Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Certificates of Deposit (CD) 36 Months
$100
3.40% ▲ 0.33% above Colorado avg
Rate3.35%
Min Deposit$100
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.33% above avgNationally 2.66%
Details

Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
36 Months
$0
3.35% ▲ 0.28% above Colorado avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.28% above avgNationally 2.66%
Details

Penalty: 180 days interest

Foothills Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.24%
36 Month
$0
3.35% ▲ 0.28% above Colorado avg
Rate3.30%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.28% above avgNationally 2.66%
Details

Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3 years CD
$0
3.30% ▲ 0.23% above Colorado avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.23% above avgNationally 2.66%
Details

Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
36 MONTHS
$500
3.30% ▲ 0.23% above Colorado avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.23% above avgNationally 2.66%
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
36 Month Certificate
$0
3.30% ▲ 0.23% above Colorado avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.23% above avgNationally 2.66%
Details

Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
3 Years CD
$0
3.30% ▲ 0.23% above Colorado avg
Rate3.26%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.23% above avgNationally 2.66%
Details

Grand Junction 48 Month CD Rates

Colorado 48 Month CD Average2.75% APYNational 2.65%▲ 0.13% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
2608 N 12th St, Grand Junction, CO 81501
Business 48 Month Certificate
$0
3.45% ▲ 0.70% above Colorado avg
Rate3.41%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.70% above avgNationally 2.65%
Details

Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
202 Main St, Grand Junction, CO 81501
4 Year
$0
3.25% ▲ 0.50% above Colorado avg
Rate3.21%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.50% above avgNationally 2.65%
Details

Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
202 Main St, Grand Junction, CO 81501
4 Year
$0
3.15% ▲ 0.40% above Colorado avg
Rate3.11%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.40% above avgNationally 2.65%
Details

Grand Valley Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
570 25 Rd, Grand Junction, CO 81505
48 Months
$500
3.10% ▲ 0.35% above Colorado avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.35% above avgNationally 2.65%
Details

.25% bonus for Star and Senior Accounts!

Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
202 Main St, Grand Junction, CO 81501
4 Year
$0
3.05% ▲ 0.30% above Colorado avg
Rate3.02%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.30% above avgNationally 2.65%
Details

Coloramo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.23%
516 28 Rd, Grand Junction, CO 81501
48-Month
$0
3.00% ▲ 0.25% above Colorado avg
Rate2.97%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.25% above avgNationally 2.65%
Details

Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
202 Main St, Grand Junction, CO 81501
4 Year
$0
2.95% ▲ 0.20% above Colorado avg
Rate2.92%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.20% above avgNationally 2.65%
Details

On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
JUMBO certificates 48 Months
$0
4.25% ▲ 1.50% above Colorado avg
Rate4.17%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 1.50% above avgNationally 2.65%
Details

On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
Jumbo IRA CD 48 Months
$0
4.25% ▲ 1.50% above Colorado avg
Rate4.17%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 1.50% above avgNationally 2.65%
Details

United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
48-Month CD
$1,000
4.20% ▲ 1.45% above Colorado avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 1.45% above avgNationally 2.65%
Details

Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
4 Years
$500
4.09% ▲ 1.34% above Colorado avg
Rate4.00%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 1.34% above avgNationally 2.65%
Details

Bankers Bank of the West
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 months
$50,000
3.98% ▲ 1.23% above Colorado avg
Rate3.98%
Min Deposit$50,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 1.23% above avgNationally 2.65%
Details

Interest paid quarterly via ACH to any account designated by the customer institution; Withdrawal before maturity is not permitted; BBW can arrange for the safekeeping of the instrument upon request

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 48 Month
$0
3.86% ▲ 1.11% above Colorado avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 1.11% above avgNationally 2.65%
Details

Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
48 Months
$0
3.85% ▲ 1.10% above Colorado avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 1.10% above avgNationally 2.65%
Details

Penalty: 180 days interest

Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
48 month CD
$0
3.85% ▲ 1.10% above Colorado avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 1.10% above avgNationally 2.65%
Details

The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
Jumbo Certificates of Deposit & Greater - 4 Year
$0
3.80% ▲ 1.05% above Colorado avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 1.05% above avgNationally 2.65%
Details

$100,000

Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
48 month CD
$0
3.75% ▲ 1.00% above Colorado avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 1.00% above avgNationally 2.65%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
48 Month
$0
3.71% ▲ 0.96% above Colorado avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.96% above avgNationally 2.65%
Details

Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
48 Months
$0
3.70% ▲ 0.95% above Colorado avg
Rate3.64%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.95% above avgNationally 2.65%
Details

Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Certificates of Deposit (CD) 48 Months
$0
3.70% ▲ 0.95% above Colorado avg
Rate3.64%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.95% above avgNationally 2.65%
Details

Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
48 Months
$0
3.60% ▲ 0.85% above Colorado avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.85% above avgNationally 2.65%
Details

Penalty: 180 days interest

Credit Union of The Rockies
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
48 Month
$500
3.60% ▲ 0.85% above Colorado avg
Rate3.55%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.85% above avgNationally 2.65%
Details

Equitable Savings and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
48 MONTH IRA
$2,000
3.56% ▲ 0.81% above Colorado avg
Rate3.50%
Min Deposit$2,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.81% above avgNationally 2.65%
Details

Penalty: 3 MO+

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
48 Month Term
$0
3.56% ▲ 0.81% above Colorado avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.81% above avgNationally 2.65%
Details

The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
4 Year CD
$1,000
3.55% ▲ 0.80% above Colorado avg
Rate3.50%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.80% above avgNationally 2.65%
Details

Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
48 Month
$0
3.45% ▲ 0.70% above Colorado avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.70% above avgNationally 2.65%
Details

Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
48 Months
$0
3.45% ▲ 0.70% above Colorado avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.70% above avgNationally 2.65%
Details

Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Certificates of Deposit (CD) 48 Months
$100
3.45% ▲ 0.70% above Colorado avg
Rate3.40%
Min Deposit$100
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.70% above avgNationally 2.65%
Details

Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
48 MONTHS
$100,000
3.40% ▲ 0.65% above Colorado avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.65% above avgNationally 2.65%
Details

Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
48 Months
$0
3.35% ▲ 0.60% above Colorado avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.60% above avgNationally 2.65%
Details

Penalty: 180 days interest

Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
48 Month Certificate
$500
3.35% ▲ 0.60% above Colorado avg
Rate3.30%
Min Deposit$500
Min Balance
Verified and UpdatedAug 29, 2026
Colorado Average2.75%▲ 0.60% above avgNationally 2.65%
Details

Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
48 MONTHS
$500
3.30% ▲ 0.55% above Colorado avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.55% above avgNationally 2.65%
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
48 Month Certificate
$0
3.30% ▲ 0.55% above Colorado avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.55% above avgNationally 2.65%
Details

Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
4 Years CD
$0
3.30% ▲ 0.55% above Colorado avg
Rate3.26%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.55% above avgNationally 2.65%
Details

Foothills Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.24%
48 Month
$0
3.30% ▲ 0.55% above Colorado avg
Rate3.26%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.55% above avgNationally 2.65%
Details

Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
48-Month Certificate
$0
3.30% ▲ 0.55% above Colorado avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.55% above avgNationally 2.65%
Details

Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
48-Month IRA Certificate
$0
3.30% ▲ 0.55% above Colorado avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.55% above avgNationally 2.65%
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
48 Month Certificate
$0
3.25% ▲ 0.50% above Colorado avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.50% above avgNationally 2.65%
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Business 48 Month Certificate
$0
3.25% ▲ 0.50% above Colorado avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.50% above avgNationally 2.65%
Details

Weld Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
Regular and IRA Certificates of Deposit - 48 Month Term
$500
3.25% ▲ 0.50% above Colorado avg
Rate3.20%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.50% above avgNationally 2.65%
Details

Weld Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
Youth Certificates of Deposit - 48 Month Term
$100
3.25% ▲ 0.50% above Colorado avg
Rate3.20%
Min Deposit$100
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.50% above avgNationally 2.65%
Details

Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
IRA 48 Month CD
$0
3.20% ▲ 0.45% above Colorado avg
Rate3.16%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.45% above avgNationally 2.65%
Details

Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
Super Jumbo Certificates 48 Month
$0
3.20% ▲ 0.45% above Colorado avg
Rate3.16%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.45% above avgNationally 2.65%
Details

$50,000

Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
4 Years
$0
3.20% ▲ 0.45% above Colorado avg
Rate3.16%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.45% above avgNationally 2.65%
Details

Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
4 Years CD
$0
3.20% ▲ 0.45% above Colorado avg
Rate3.16%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.45% above avgNationally 2.65%
Details

Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
48 Month
$2,500
3.19% ▲ 0.44% above Colorado avg
Rate3.15%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.44% above avgNationally 2.65%
Details

Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
Jumbo Certificates 48 Month
$0
3.15% ▲ 0.40% above Colorado avg
Rate3.11%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.40% above avgNationally 2.65%
Details

$10,000

Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
48 Month Term Certificate
$0
3.10% ▲ 0.35% above Colorado avg
Rate3.06%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.35% above avgNationally 2.65%
Details

Northern Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
48 MONTH IRA CERT
$1,000
3.10% ▲ 0.35% above Colorado avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.35% above avgNationally 2.65%
Details

Red Rocks Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
48-Months
$0
3.10% ▲ 0.35% above Colorado avg
Rate3.06%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.35% above avgNationally 2.65%
Details

Grand Junction 60 Month CD Rates

Colorado 60 Month CD Average3.05% APYNational 2.76%▼ 0.14% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
2608 N 12th St, Grand Junction, CO 81501
Business 60 Month Certificate
$0
3.51% ▲ 0.46% above Colorado avg
Rate3.46%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.46% above avgNationally 2.76%
Details

Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
HSA CD 60 Months
$0
3.40% ▲ 0.35% above Colorado avg
Rate3.35%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.35% above avgNationally 2.76%
Details

Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
2478 Highway 6 and 50 Unit A, Grand Junction, CO 81505
IRA CD 60 Months
$500
3.40% ▲ 0.35% above Colorado avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.35% above avgNationally 2.76%
Details

Invest a portion of your Traditional or Roth IRA Defer tax payments on Traditional IRA earnings to future withdrawals** Enjoy higher rates than a traditional savings account

Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
202 Main St, Grand Junction, CO 81501
5 Year
$0
3.30% ▲ 0.25% above Colorado avg
Rate3.26%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.25% above avgNationally 2.76%
Details

Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
202 Main St, Grand Junction, CO 81501
5 Year
$0
3.20% ▲ 0.15% above Colorado avg
Rate3.16%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.15% above avgNationally 2.76%
Details

Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
202 Main St, Grand Junction, CO 81501
5 Year
$0
3.10% ▲ 0.05% above Colorado avg
Rate3.06%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.05% above avgNationally 2.76%
Details

Grand Valley Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
570 25 Rd, Grand Junction, CO 81505
60 Months
$500
3.00% ▼ 0.05% below Colorado avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▼ 0.05% below avgNationally 2.76%
Details

.25% bonus for Star and Senior Accounts!

Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
202 Main St, Grand Junction, CO 81501
5 Year
$0
3.00% ▼ 0.05% below Colorado avg
Rate2.97%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▼ 0.05% below avgNationally 2.76%
Details

Coloramo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.23%
516 28 Rd, Grand Junction, CO 81501
60-Month
$0
3.00% ▼ 0.05% below Colorado avg
Rate2.97%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▼ 0.05% below avgNationally 2.76%
Details

5Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
60 Month Variable IRA
$250
4.48% ▲ 1.43% above Colorado avg
Rate4.39%
Min Deposit$250
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 1.43% above avgNationally 2.76%
Details

Variable Rate

United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
60-Month CD
$1,000
4.20% ▲ 1.15% above Colorado avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 1.15% above avgNationally 2.76%
Details

Ent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
60 Month Certificate
$0
4.15% ▲ 1.10% above Colorado avg
Rate4.07%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 1.10% above avgNationally 2.76%
Details

On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
JUMBO certificates 60 Months
$0
4.10% ▲ 1.05% above Colorado avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 1.05% above avgNationally 2.76%
Details

On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
Jumbo IRA CD 60 Months
$0
4.10% ▲ 1.05% above Colorado avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 1.05% above avgNationally 2.76%
Details

Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
60 Months
$0
4.10% ▲ 1.05% above Colorado avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 1.05% above avgNationally 2.76%
Details

Penalty: 180 days interest

Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
5 Years IRA Certificate
$500
4.09% ▲ 1.04% above Colorado avg
Rate4.00%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 1.04% above avgNationally 2.76%
Details

Bankers Bank of the West
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 months
$50,000
3.99% ▲ 0.94% above Colorado avg
Rate3.99%
Min Deposit$50,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.94% above avgNationally 2.76%
Details

Interest paid quarterly via ACH to any account designated by the customer institution; Withdrawal before maturity is not permitted; BBW can arrange for the safekeeping of the instrument upon request

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 60 Month
$0
3.97% ▲ 0.92% above Colorado avg
Rate3.90%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.92% above avgNationally 2.76%
Details

Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
60 Months
$0
3.85% ▲ 0.80% above Colorado avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.80% above avgNationally 2.76%
Details

Penalty: 180 days interest

Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
60 month CD
$0
3.85% ▲ 0.80% above Colorado avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.80% above avgNationally 2.76%
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
60 Month
$0
3.81% ▲ 0.76% above Colorado avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.76% above avgNationally 2.76%
Details

Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
60 Month CD
$5,000
3.80% ▲ 0.75% above Colorado avg
Rate3.73%
Min Deposit$5,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.75% above avgNationally 2.76%
Details

Early Withdrawal Penalty: 6 Months of Interest

The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
Jumbo Certificates of Deposit & Greater - 5 Year
$0
3.80% ▲ 0.75% above Colorado avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.75% above avgNationally 2.76%
Details

$100,000

Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
Share/IRA/HSA Certificates 60 month
$0
3.75% ▲ 0.70% above Colorado avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.70% above avgNationally 2.76%
Details

Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
60 month CD
$0
3.75% ▲ 0.70% above Colorado avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.70% above avgNationally 2.76%
Details

Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
60 Months
$0
3.70% ▲ 0.65% above Colorado avg
Rate3.64%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.65% above avgNationally 2.76%
Details

Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Certificates of Deposit (CD) 60 Months
$0
3.70% ▲ 0.65% above Colorado avg
Rate3.64%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.65% above avgNationally 2.76%
Details

Equitable Savings and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
60 MONTH IRA
$2,000
3.67% ▲ 0.62% above Colorado avg
Rate3.60%
Min Deposit$2,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.62% above avgNationally 2.76%
Details

Penalty: 3 MO+

Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
60 Months
$0
3.60% ▲ 0.55% above Colorado avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.55% above avgNationally 2.76%
Details

Penalty: 180 days interest

Credit Union of The Rockies
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
60 Month
$500
3.60% ▲ 0.55% above Colorado avg
Rate3.55%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.55% above avgNationally 2.76%
Details

The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
5 Year CD
$1,000
3.55% ▲ 0.50% above Colorado avg
Rate3.50%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.50% above avgNationally 2.76%
Details

Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
60 Month
$0
3.50% ▲ 0.45% above Colorado avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.45% above avgNationally 2.76%
Details

Westminster Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.90%
IRA Certificate (Traditional & Roth) 5 Year
$1,000
3.45% ▲ 0.40% above Colorado avg
Rate3.39%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.40% above avgNationally 2.76%
Details

Westminster Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.90%
IRA Certificates (Traditional & Roth) 5 Year
$1,000
3.45% ▲ 0.40% above Colorado avg
Rate3.39%
Min Deposit$1,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.40% above avgNationally 2.76%
Details

Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
60 Months
$0
3.45% ▲ 0.40% above Colorado avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.40% above avgNationally 2.76%
Details

Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Certificates of Deposit (CD) 60 Months
$100
3.45% ▲ 0.40% above Colorado avg
Rate3.40%
Min Deposit$100
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.40% above avgNationally 2.76%
Details

Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
60 MONTHS
$100,000
3.40% ▲ 0.35% above Colorado avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.35% above avgNationally 2.76%
Details

Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
60 Month Certificate
$500
3.40% ▲ 0.35% above Colorado avg
Rate3.35%
Min Deposit$500
Min Balance
Verified and UpdatedAug 29, 2026
Colorado Average3.05%▲ 0.35% above avgNationally 2.76%
Details

Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
60 MONTHS
$500
3.30% ▲ 0.25% above Colorado avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.25% above avgNationally 2.76%
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
60 Month Certificate
$0
3.30% ▲ 0.25% above Colorado avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.25% above avgNationally 2.76%
Details

Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
5 Years CD
$0
3.30% ▲ 0.25% above Colorado avg
Rate3.26%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.25% above avgNationally 2.76%
Details

Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
60 Month
$2,500
3.29% ▲ 0.24% above Colorado avg
Rate3.25%
Min Deposit$2,500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.24% above avgNationally 2.76%
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
60 Month Certificate
$0
3.25% ▲ 0.20% above Colorado avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.20% above avgNationally 2.76%
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Business 60 Month Certificate
$0
3.25% ▲ 0.20% above Colorado avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.20% above avgNationally 2.76%
Details

Weld Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
Regular and IRA Certificates of Deposit - 60 Month Term
$500
3.25% ▲ 0.20% above Colorado avg
Rate3.20%
Min Deposit$500
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.20% above avgNationally 2.76%
Details

Weld Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
Youth Certificates of Deposit - 60 Month Term
$100
3.25% ▲ 0.20% above Colorado avg
Rate3.20%
Min Deposit$100
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.20% above avgNationally 2.76%
Details

Foothills Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.24%
60 Month
$0
3.25% ▲ 0.20% above Colorado avg
Rate3.21%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.20% above avgNationally 2.76%
Details

Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
IRA 60 Month CD
$0
3.20% ▲ 0.15% above Colorado avg
Rate3.16%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.15% above avgNationally 2.76%
Details

Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
Super Jumbo Certificates 60 Month
$0
3.20% ▲ 0.15% above Colorado avg
Rate3.16%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.15% above avgNationally 2.76%
Details

$50,000

San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
60 Months
$0
3.20% ▲ 0.15% above Colorado avg
Rate3.15%
Min Deposit$0
Min Balance
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.15% above avgNationally 2.76%
Details

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

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

Top CD Rates from Grand Junction, Colorado Institutions

Highest verified APYs available today — updated August 29, 2026

B Top 5 Bank Rates
ANB Bank
Business 60 Month Certificate
A+ 5.0 ★ TX: 1.17%
Min: $0
3.51%
Grand Valley Bank
12 Months
A 5.0 ★ TX: 11.80%
Min: $500
3.20%
Wells Fargo
1 year Standard Fixed Rate CD
A 5.0 ★ TX: 7.44%
Min: $2,500
1.51%
United Fidelity Bank
18-Month CD
A+ 5.0 ★ TX: 0.81%
Min: $1,000
4.50%
5Star Bank
60 Month Variable IRA
A+ 5.0 ★ TX: 0.13%
Min: $250
4.48%
CU Top 5 Credit Union Rates
Credit Union Of Colorado
1 Year
A+ 5.0 ★ TX: 3.77%
Min: $0
3.80%
Bellco Credit Union
HSA CD 12 Months
A+ 5.0 ★ TX: 4.02%
Min: $0
3.70%
Coloramo Federal Credit Union
12-Month
A+ 5.0 ★ TX: 6.23%
Min: $0
3.40%
Rio Grande Federal Credit Union
36 Month CD
A+ 5.0 ★ TX: 0.09%
Min: $10,000
0.65%
NuVista Federal Credit Union
12 Month DREAM Certificate
A+ 5.0 ★ TX: 0.66%
Min: $100
5.12%
Rates verified August 29, 2026 — Click an institution name to view its full profile, safety ratings, and all CD terms.

Grand Junction, CO CD Rate Trends

Compare local Grand Junction, CO CD rate quotes against the statewide average

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

View Full Colorado CD Trends
12-Month CD — CO Avg
2.488%
▼ 0.528 vs 7 days ago

Colorado 12-month CD rates fell 0.528 points over the past 7 days to 2.488% APY.

6-Month CD — CO Avg
1.733%
▼ 1.221 vs 7 days ago

Colorado 6-month CD rates fell 1.221 points over the past 7 days to 1.733% APY.

As of Aug 30, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

CO CD Rate Forecast — Next 12 Months

Where are Colorado CD rates headed through August 2027?

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

CO 12-Month Avg APY
2.488%
6-Month Forecast
2.488%
Range: 2.29% – 2.64%
12-Month Forecast
2.238%
Range: 2.04% – 2.39%

Data inputs: The central forecast uses CME FedWatch implied fed funds path and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Colorado average 12-month CD APY in our database.

Spread model: The Colorado 12-month CD average currently trades 1.89% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (Fed holds longer, deposit competition remains high). Lower bound subtracts 0.20% (earlier or deeper rate cuts compress yields faster).

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

Powered by MonitorBankRates

What Your Savings Earn at CO CD Rates Today

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

CD Term CO Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 1.475% $73.77 $147.54 $368.85 $737.70
6-Month CD 1.733% $86.67 $173.34 $433.35 $866.70
12-Month CD 2.488% $124.40 $248.79 $621.97 $1,243.95
18-Month CD 2.643% $132.14 $264.27 $660.68 $1,321.35
24-Month CD 2.950% $147.52 $295.03 $737.57 $1,475.15
36-Month CD 3.068% $153.41 $306.82 $767.05 $1,534.10
48-Month CD 2.753% $137.66 $275.32 $688.30 $1,376.60
60-Month CD 3.051% $152.53 $305.05 $762.63 $1,525.25
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of August 29, 2026.

Sample CD Ladder for Grand Junction, Colorado Savers

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

Build Your Ladder
Rung Term Deposit CO Avg APY Annual Earnings
1 3-Month CD $5,000 1.475% $73.77
2 6-Month CD $5,000 1.733% $86.67
3 12-Month CD $5,000 2.488% $124.40
4 24-Month CD $5,000 2.950% $147.52
5 36-Month CD $5,000 3.068% $153.41
Total ($25,000 invested) $25,000 2.343% blended $585.77/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.

577
CD Rates
Tracked in Grand Junction, Colorado
28 Banks 39 Credit Unions

About Our Grand Junction, Colorado CD Rate Database

MonitorBankRates tracks 577 CD rates from 28 banks and 39 credit unions with locations in Grand Junction, Colorado, plus national online institutions available to Colorado residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), 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: Credit Union Of Colorado offers a CD at 3.80% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Grand Junction, Colorado.

How to Find the Best CD Rates in Grand Junction, Colorado

What to compare when shopping for a CD in Grand Junction, Colorado

To find the best APYs in Grand Junction, Colorado, start with credit unions and online-only banks — Grand Junction, Colorado has 39 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.

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

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

When a CD Makes Sense in Grand Junction, Colorado

  • You have a planned expense coming up and want your savings to earn while you wait
  • You expect rates to fall and want to lock in today’s rate
  • You want FDIC or NCUA protection with a guaranteed fixed return
  • You prefer banking with an institution that has a local branch in Grand Junction, Colorado — 67 institutions here report CD rates

Consider an Alternative If…

Grand Junction, Colorado Financial Snapshot

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

Population 65+
21.0%
National avg: 17.3%
Median Individual Earnings
$38,284
National avg: $47,340
Poverty Rate
11.8%
National avg: 11.1%
Unemployment Rate
4.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$95/yr
At CO 12-mo avg 2.488% APY

21.0% of residents are 65 or older — above the national average of 17.3% — making fixed-rate CDs a particularly relevant savings vehicle in this market. At today’s CO 12-month CD average of 2.488%, saving 10% of the local median salary ($3,828/year) and putting it in a CD would earn an additional $95 annually in interest.

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

CD Rates vs. Other Savings Options in Grand Junction, Colorado

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

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

How Certificates of Deposit Work in Grand Junction, Colorado

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Grand Junction, Colorado typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Grand Junction, Colorado as everywhere in the U.S.

Choosing a CD Term in Grand Junction, Colorado

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Grand Junction, Colorado savers easier access to their funds. For example, Credit Union Of Colorado is offering its 6 Month at 3.60% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, ANB Bank is offering its Business 60 Month Certificate at 3.51% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Grand Junction, Colorado Savers

CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Grand Junction, Colorado saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.

How CD Interest Is Paid in Grand Junction, Colorado

Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Grand Junction, Colorado CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates in Grand Junction, Colorado

Most CDs carry a fixed rate that is locked for the entire term, protecting a Grand Junction, Colorado depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.

Frequently Asked Questions about CD Rates in Grand Junction, Colorado

Are CD rates in Grand Junction, Colorado FDIC insured?

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

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

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

Can I withdraw my money early from a CD?

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

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

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

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

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

What is a CD ladder?

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

Best CD rates in Grand Junction, Colorado?

Here are recent top rates found for this area:
  • Credit Union Of Colorado: 3.80% APY (1 Year)
  • Bellco Credit Union: 3.70% APY (HSA CD 12 Months)
  • ANB Bank: 3.51% APY (Business 60 Month Certificate)
  • Coloramo Federal Credit Union: 3.40% APY (12-Month)
  • Grand Valley Bank: 3.20% APY (12 Months)
  • Wells Fargo: 1.51% APY (1 year Standard Fixed Rate CD)
  • Rio Grande Federal Credit Union: 0.65% APY (36 Month CD)
  • NuVista Federal Credit Union: 5.12% APY (12 Month DREAM Certificate)
  • United Fidelity Bank: 4.50% APY (18-Month CD)
  • 5Star Bank: 4.48% APY (60 Month Variable IRA)
Rates reflect recent verified offers available in Grand Junction, Colorado. Last Updated: August 29, 2026

Grand Junction, Colorado CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY — or click any current Grand Junction, Colorado rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

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

Top Grand Junction, Colorado CD Rates by Term

Verified August 29, 2026 — click a rate to use its term and APY
Highest verified APY per term available in Grand Junction, Colorado. Averages shown use the Colorado state average where available, national otherwise. See the full rate tables above for all offers.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Grand Junction, Colorado CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

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

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

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

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: August 29, 2026

Grand Junction, Colorado Rates & Resources