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CD Rate Trends

Lakewood, Colorado Best CD Rates September 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: September 28, 2026

Current CD rates in Lakewood, Colorado range from 3.65% to 4.10% APY across the five banks and credit unions featured below, verified by MonitorBankRates as of September 28, 2026. Current Lakewood, Colorado CD rates include Bellco Credit UnionBellco Credit Union570 S Wadsworth Blvd, Lakewood, CO 80226A5.0 ★Texas Ratio: 9.71%Real return: +1.30%APY minus CPI (February 2026) offering 60 Month Business CDs at 4.10% APY, UMB BankUMB Bank3290 S Wadsworth Blvd, Lakewood, CO 80227A+5.0 ★Texas Ratio: 1.88%Real return: +1.05%APY minus CPI (February 2026) offering 3-MONTH TIME DEPOSIT ACCOUNT at 3.85% APY, Credit Union Of ColoradoCredit Union Of Colorado9140 W 6th Ave, Lakewood, CO 80215A+5.0 ★Texas Ratio: 4.37%Real return: +1.00%APY minus CPI (February 2026) offering 1 Year Certificate at 3.80% APY, Academy BankAcademy Bank7455 W Colfax Ave, Lakewood, CO 80214A+5.0 ★Texas Ratio: 5.56%Real return: +0.95%APY minus CPI (February 2026) offering 12 Month Certificate of Deposit at 3.75% APY, and Credit Union Of DenverCredit Union Of Denver9305 W ALAMEDA AVE, LAKEWOOD, CO 80226A+5.0 ★Texas Ratio: 2.33%Real return: +0.85%APY minus CPI (February 2026) offering 6 Month Certificate at 3.65% APY. CD rates as of September 28, 2026 according to verified data from MonitorBankRates.

Lakewood has 154 local institutions in our database, with CD rates as high as 4.10% APY from Bellco Credit Union at 570 S Wadsworth Blvd, Lakewood, CO 80226. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Colorado area. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 28, 2026

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

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Lakewood 3 Month CD Rates

National 3 Month CD Average2.08% APY▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
3290 S Wadsworth Blvd, Lakewood, CO 80227
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85% ▲ 1.77% above national avg
View
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.77% above avg
Details

Special Offer. For balances under $100k. Apply now.

Rate History
1 change since Sep 24, 2026 · 3.80% → 3.85% ▲ 0.05 pts · high 3.85% / low 3.80%
3.30%3.82%4.35%Sep 24, 2026: 3.80% APYSep 27, 2026: 3.85% APYSep 24, 2026Sep 28, 2026
  • Sep 27, 20263.85%▲ from 3.80%
  • Sep 24, 20263.80%first recorded
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
7950 W Alameda Avenue, Lakewood, CO 80226
90 Day Certificate
$0
3.00% ▲ 0.92% above national avg
View
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.92% above avg
Details

Balance: $1,000 or more

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Sep 28, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
7950 W Alameda Avenue, Lakewood, CO 80226
Business 90 Day Certificate
$0
3.00% ▲ 0.92% above national avg
View
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.92% above avg
Details

Balance: $1,000 or more

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Sep 28, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
570 S Wadsworth Blvd, Lakewood, CO 80226
3 Month Business CDs
$0
2.75% ▲ 0.67% above national avg
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.67% above avg
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Sep 28, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
570 S Wadsworth Blvd, Lakewood, CO 80226
3 Month Traditional CD
$0
2.75% ▲ 0.67% above national avg
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.67% above avg
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Sep 28, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
570 S Wadsworth Blvd, Lakewood, CO 80226
3 Months CD
$0
2.75% ▲ 0.67% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.67% above avg
Details

Rate History
No change since Sep 21, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Sep 21, 2026: 2.75% APYSep 21, 2026Sep 28, 2026
Foothills Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.96%
7990 W Alameda Ave, Lakewood, CO 80226
3 Month Certificate
$0
2.25% ▲ 0.17% above national avg
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.08%▲ 0.17% above avg
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 4 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Sep 28, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
9140 W 6th Ave, Lakewood, CO 80215
90 Day Certificate
$0
2.00% ▼ 0.08% below national avg
View
▼
Rate1.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.08%▼ 0.08% below avg
Details

Account Balance $100,000

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Sep 28, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
9140 W 6th Ave, Lakewood, CO 80215
90 Day Certificate
$0
1.90% ▼ 0.18% below national avg
View
▼
Rate1.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.08%▼ 0.18% below avg
Details

Account Balance $25,000

Rate History
No change since Sep 14, 2026 · 1.90% APY · checked 2 times
1.40%1.90%2.40%Sep 14, 2026: 1.90% APYSep 14, 2026Sep 28, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
375 Union Blvd, Lakewood, CO 80228
3 Month Certificate of Deposit (CD)
$0
1.85% ▼ 0.23% below national avg
View
▼
Rate1.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.08%▼ 0.23% below avg
Details

Rate History
No change since Sep 22, 2026 · 1.85% APY
1.35%1.85%2.35%Sep 22, 2026: 1.85% APYSep 22, 2026Sep 28, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
375 Union Blvd, Lakewood, CO 80228
Business Certificates of Deposit (CDs) - 3 Month
$500
1.85% ▼ 0.23% below national avg
View
▼
Rate1.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.08%▼ 0.23% below avg
Details

Rate History
No change since Sep 18, 2026 · 1.85% APY · checked 2 times
1.35%1.85%2.35%Sep 18, 2026: 1.85% APYSep 18, 2026Sep 28, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
375 Union Blvd, Lakewood, CO 80228
Individual Retirement Account (IRA) CDs - 3 Month
$0
1.85% ▼ 0.23% below national avg
View
▼
Rate1.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.08%▼ 0.23% below avg
Details

Rate History
No change since Sep 14, 2026 · 1.85% APY · checked 2 times
1.35%1.85%2.35%Sep 14, 2026: 1.85% APYSep 14, 2026Sep 28, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
9140 W 6th Ave, Lakewood, CO 80215
Traditional Certificate of Deposit (CD) - 90 Day
$0
1.80% ▼ 0.28% below national avg
View
▼
Rate1.79%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.08%▼ 0.28% below avg
Details

Balance: $10,000 and over

Rate History
No change since Sep 14, 2026 · 1.80% APY · checked 2 times
1.30%1.80%2.30%Sep 14, 2026: 1.80% APYSep 14, 2026Sep 28, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
9140 W 6th Ave, Lakewood, CO 80215
Traditional Certificate of Deposit (CD) - 90 Day
$0
1.70% ▼ 0.38% below national avg
View
▼
Rate1.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.08%▼ 0.38% below avg
Details

Balance: $500 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.70% APY · checked 2 times
1.20%1.70%2.20%Sep 14, 2026: 1.70% APYSep 14, 2026Sep 28, 2026
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
9305 W ALAMEDA AVE, LAKEWOOD, CO 80226
3 Month Certificate
$0
1.35% ▼ 0.73% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.08%▼ 0.73% below avg
Details

Rate History
No change since Sep 14, 2026 · 1.35% APY · checked 3 times
0.85%1.35%1.85%Sep 14, 2026: 1.35% APYSep 14, 2026Sep 28, 2026
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
143 Union Blvd, Lakewood, CO 80228
3 month Standard Fixed Rate CD - Relationship
$2,500
0.06% ▼ 2.02% below national avg
View
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 2.02% below avg
Details

Balance: $0 - $4,999.99. Additional terms are available at a branch.

Rate History
No change since Sep 27, 2026 · 0.06% APY
0.00%0.28%0.56%Sep 27, 2026: 0.06% APYSep 27, 2026Sep 28, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
201 Wadsworth Blvd, Lakewood, CO 80226
90 Day Standard CD Products
$0
0.06% ▼ 2.02% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 2.02% below avg
Details

Balance: Under $100,000

Rate History
No change since Sep 18, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 18, 2026: 0.06% APYSep 18, 2026Sep 28, 2026
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
143 Union Blvd, Lakewood, CO 80228
3 month Standard Fixed Rate CD
$2,500
0.05% ▼ 2.03% below national avg
View
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 2.03% below avg
Details

Balance: $0 - $4,999.99. Additional terms are available at a branch.

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Sep 28, 2026
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month Certificate of Deposit
$1,000
4.32% ▲ 2.24% above national avg
View
▼
Rate4.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 2.24% above avg
Details

UP to $99,999.99

Rate History
No change since Sep 27, 2026 · 4.32% APY
3.82%4.32%4.82%Sep 27, 2026: 4.32% APYSep 27, 2026Sep 28, 2026
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
3 Month CD
$0
4.14% ▲ 2.06% above national avg
View
▼
Rate4.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 2.06% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.14% ▲ 0.54 pts · high 4.14% / low 3.60%
3.06%3.87%4.68%Sep 14, 2026: 3.60% APYSep 24, 2026: 4.14% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20264.14%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
High Plains Bank Flagler, CO
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
3 Month CD
$250
3.70% ▲ 1.62% above national avg
View
▼
Rate3.63%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.62% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Sep 28, 2026
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
3 Month CD
$0
3.65% ▲ 1.57% above national avg
View
▼
Rate3.58%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.57% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Sep 28, 2026
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
3 Month CD
$500
3.50% ▲ 1.42% above national avg
View
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.42% above avg
Details

Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 24, 2026: 3.50% APYSep 24, 2026Sep 28, 2026
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
3-Month Share Certificate
$500
3.50% ▲ 1.42% above national avg
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▲ 1.42% above avg
Details

Rate History
No change since Sep 21, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 21, 2026: 3.50% APYSep 21, 2026Sep 28, 2026
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 10.44%
3 Month Certificate
$500
3.40% ▲ 1.32% above national avg
View
▼
Rate3.36%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.08%▲ 1.32% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Sep 28, 2026
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Month Certificate of Deposit
$0
3.30% ▲ 1.22% above national avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.22% above avg
Details

Balance: $100+

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Sep 28, 2026
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Certificates of Deposit (CD) - 3 Months
$0
3.30% ▲ 1.22% above national avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.22% above avg
Details

Compounded/Credited: Monthly; Balance: $100.00+ Dividend Rate: 3.2511; $100,000.00+ Dividend Rate: 3.2511; $100,000.00 Annual Percentage Yield: 3.30

Rate History
No change since Sep 22, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Sep 22, 2026: 3.30% APYSep 22, 2026Sep 28, 2026
Holyoke Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
3 Month CD
$500
3.29% ▲ 1.21% above national avg
View
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▲ 1.21% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.29% APY
2.79%3.29%3.79%Sep 25, 2026: 3.29% APYSep 25, 2026Sep 28, 2026
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
3 Month Certificate
$500
3.29% ▲ 1.21% above national avg
View
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.21% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 4 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Sep 28, 2026
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
3-Month Certificate
$0
3.25% ▲ 1.17% above national avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.17% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Sep 28, 2026
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
3-Month IRA Certificate
$0
3.25% ▲ 1.17% above national avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.17% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Sep 28, 2026
North Valley Bank Thornton, CO
Institution Rating:
A5.0 ★Texas Ratio: 13.05%
3 Month CD
$1,000
3.24% ▲ 1.16% above national avg
View
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.16% above avg
Details

Rate History
No change since Sep 15, 2026 · 3.24% APY · checked 3 times
2.74%3.24%3.74%Sep 15, 2026: 3.24% APYSep 15, 2026Sep 28, 2026
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
3 Month Time Certificates - Fixed Rate
$0
3.20% ▲ 1.12% above national avg
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 1.12% above avg
Details

Rate History
1 change since Sep 19, 2026 · 2.80% → 3.20% ▲ 0.40 pts · high 3.20% / low 2.80%
2.30%3.00%3.70%Sep 19, 2026: 2.80% APYSep 24, 2026: 3.20% APYSep 19, 2026Sep 28, 2026
  • Sep 24, 20263.20%▲ from 2.80%
  • Sep 19, 20262.80%first recorded
Grand Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
3 Months CD
$500
3.10% ▲ 1.02% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.08%▲ 1.02% above avg
Details

.25% bonus for Star and Senior Accounts!

Rate History
No change since Sep 28, 2026 · 3.10% APY
2.60%3.10%3.60%Sep 28, 2026: 3.10% APYSep 28, 2026Sep 28, 2026
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
3 Month Term Certificates
$0
3.10% ▲ 1.02% above national avg
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▲ 1.02% above avg
Details

Balance: $500

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 3 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Sep 28, 2026
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
3 Month Share Certificates
$0
3.00% ▲ 0.92% above national avg
View
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▲ 0.92% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Sep 28, 2026
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
3 Month CD
$10,000
2.75% ▲ 0.67% above national avg
View
▼
Rate2.73%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▲ 0.67% above avg
Details

Rate History
No change since Sep 16, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Sep 16, 2026: 2.75% APYSep 16, 2026Sep 28, 2026
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
3 Month Share Certificates
$0
2.75% ▲ 0.67% above national avg
View
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.67% above avg
Details

$50,000+

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Sep 28, 2026
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
3 Month Share Certificates to $24,999.99
$0
2.75% ▲ 0.67% above national avg
View
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.67% above avg
Details

$10,000

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Sep 28, 2026
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
3 Month Share Certificates to $49,999.99
$0
2.75% ▲ 0.67% above national avg
View
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.67% above avg
Details

$25,000

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Sep 28, 2026
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
3 Month Share Certificates to $9,999.99
$0
2.75% ▲ 0.67% above national avg
View
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.67% above avg
Details

$500

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Sep 28, 2026
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
3 Month Certificate
$0
2.75% ▲ 0.67% above national avg
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.67% above avg
Details

Highest annual percentage yield (APY) includes a 0.25% APR rate boost for members with an active Summit Dividend Checking account. CD must be opened or renewed with the same membership as the Summit Dividend Checking for rate to apply. Not available on HSA, ESA or IRA CD. Peak Perks Checking or Summit Dividend Checking account(s) and account must remain open with a positive balance to maintain loan discount, CD rate boost, and related checking Benefits.

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Sep 28, 2026
Integrity Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
3 Month Certificate
$0
2.52% ▲ 0.44% above national avg
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.44% above avg
Details

Rate History
No change since Sep 14, 2026 · 2.52% APY · checked 3 times
2.02%2.52%3.02%Sep 14, 2026: 2.52% APYSep 14, 2026Sep 28, 2026
First FarmBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
3 Month Certificate of Deposit
$1,000
2.50% ▲ 0.42% above national avg
View
▼
Rate2.48%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.42% above avg
Details

Rate History
No change since Sep 19, 2026 · 2.50% APY · checked 3 times
2.00%2.50%3.00%Sep 19, 2026: 2.50% APYSep 19, 2026Sep 28, 2026
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
3 Month Certificate
$500
2.50% ▲ 0.42% above national avg
View
▼
Rate2.47%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.42% above avg
Details

Rate History
No change since Sep 22, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Sep 22, 2026: 2.50% APYSep 22, 2026Sep 28, 2026
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
HSA 3 Month Certificate
$0
2.50% ▲ 0.42% above national avg
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.42% above avg
Details

Standard (Min Balance: $100); Certificates (IRA, HSA)

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 3 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Sep 28, 2026
San Luis Valley Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
3 Month Certificate
$0
2.29% ▲ 0.21% above national avg
View
▼
Rate2.27%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.21% above avg
Details

Balance: Tier 2 ($100,000.00+)

Rate History
No change since Sep 14, 2026 · 2.29% APY · checked 3 times
1.79%2.29%2.79%Sep 14, 2026: 2.29% APYSep 14, 2026Sep 28, 2026
Delta County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3 Month Certificate (youth members only)
$250
2.02% ▼ 0.06% below national avg
View
▼
Rate2.00%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▼ 0.06% below avg
Details

Rate History
No change since Sep 25, 2026 · 2.02% APY
1.52%2.02%2.52%Sep 25, 2026: 2.02% APYSep 25, 2026Sep 28, 2026
San Luis Valley Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
3 Month Certificate
$0
1.69% ▼ 0.39% below national avg
View
▼
Rate1.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 0.39% below avg
Details

Balance: Tier 1 ($1,000.00+)

Rate History
No change since Sep 14, 2026 · 1.69% APY · checked 3 times
1.19%1.69%2.19%Sep 14, 2026: 1.69% APYSep 14, 2026Sep 28, 2026
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
3 Month CD
$500
1.55% ▼ 0.53% below national avg
View
▼
Rate1.54%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▼ 0.53% below avg
Details

Rate History
No change since Sep 16, 2026 · 1.55% APY · checked 2 times
1.05%1.55%2.05%Sep 16, 2026: 1.55% APYSep 16, 2026Sep 28, 2026

Lakewood 6 Month CD Rates

National 6 Month CD Average2.77% APYUnchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
570 S Wadsworth Blvd, Lakewood, CO 80226
6 Month Business CDs
$0
3.85% ▲ 1.08% above national avg
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.08% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Sep 28, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
570 S Wadsworth Blvd, Lakewood, CO 80226
6 Month IRA Jumbo CD
$0
3.85% ▲ 1.08% above national avg
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.08% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 18, 2026: 3.85% APYSep 18, 2026Sep 28, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
570 S Wadsworth Blvd, Lakewood, CO 80226
6 Month Jumbo CD
$0
3.85% ▲ 1.08% above national avg
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.08% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Sep 28, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
570 S Wadsworth Blvd, Lakewood, CO 80226
6 Month Traditional CD
$0
3.85% ▲ 1.08% above national avg
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.08% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Sep 28, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
570 S Wadsworth Blvd, Lakewood, CO 80226
6 Months CD
$0
3.85% ▲ 1.08% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.08% above avg
Details

Rate History
No change since Sep 21, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 21, 2026: 3.85% APYSep 21, 2026Sep 28, 2026
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
9305 W ALAMEDA AVE, LAKEWOOD, CO 80226
6 Month Certificate
$0
3.65% ▲ 0.88% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.88% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Sep 28, 2026
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
9305 W ALAMEDA AVE, LAKEWOOD, CO 80226
IRA 6 Month Certificate
$0
3.65% ▲ 0.88% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.88% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Sep 28, 2026
Foothills Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.96%
7990 W Alameda Ave, Lakewood, CO 80226
6 Month Certificate
$0
3.65% ▲ 0.88% above national avg
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.77%▲ 0.88% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Sep 28, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
9140 W 6th Ave, Lakewood, CO 80215
6 Month Certificate
$0
3.60% ▲ 0.83% above national avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.83% above avg
Details

Account Balance $100,000

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Sep 28, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
9140 W 6th Ave, Lakewood, CO 80215
6 Month Certificate
$0
3.51% ▲ 0.74% above national avg
View
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.74% above avg
Details

Account Balance $25,000

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 2 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Sep 28, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
9140 W 6th Ave, Lakewood, CO 80215
Traditional Certificate of Deposit (CD) - 6 Month
$0
3.40% ▲ 0.63% above national avg
View
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.63% above avg
Details

Balance: $10,000 and over

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Sep 28, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
9140 W 6th Ave, Lakewood, CO 80215
Traditional 6 Month Add-on Certificate
$0
3.30% ▲ 0.53% above national avg
View
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.53% above avg
Details

Term: 6 Month Add-on Certificate; Balance: $500 - $9,999.99; Traditional Certificate of Deposit (CD)

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Sep 28, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
9140 W 6th Ave, Lakewood, CO 80215
Traditional Certificate of Deposit (CD) - 6 Month
$0
3.30% ▲ 0.53% above national avg
View
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.53% above avg
Details

Balance: $500 - $9,999.99

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Sep 28, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
7950 W Alameda Avenue, Lakewood, CO 80226
180 Day Certificate
$0
3.10% ▲ 0.33% above national avg
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.33% above avg
Details

Balance: $1,000 or more

Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 3 times
2.60%3.10%3.60%Sep 18, 2026: 3.10% APYSep 18, 2026Sep 28, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
7950 W Alameda Avenue, Lakewood, CO 80226
Business 180 Day Certificate
$0
3.10% ▲ 0.33% above national avg
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.33% above avg
Details

Balance: $1,000 or more

Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 3 times
2.60%3.10%3.60%Sep 18, 2026: 3.10% APYSep 18, 2026Sep 28, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
375 Union Blvd, Lakewood, CO 80228
6 Month Certificate of Deposit (CD)
$0
1.70% ▼ 1.07% below national avg
View
▼
Rate1.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 1.07% below avg
Details

Rate History
No change since Sep 22, 2026 · 1.70% APY
1.20%1.70%2.20%Sep 22, 2026: 1.70% APYSep 22, 2026Sep 28, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
375 Union Blvd, Lakewood, CO 80228
Business Certificates of Deposit (CDs) - 6 Month
$500
1.70% ▼ 1.07% below national avg
View
▼
Rate1.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 1.07% below avg
Details

Rate History
No change since Sep 18, 2026 · 1.70% APY · checked 2 times
1.20%1.70%2.20%Sep 18, 2026: 1.70% APYSep 18, 2026Sep 28, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
375 Union Blvd, Lakewood, CO 80228
Individual Retirement Account (IRA) CDs - 6 Month
$0
1.70% ▼ 1.07% below national avg
View
▼
Rate1.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 1.07% below avg
Details

Rate History
No change since Sep 14, 2026 · 1.70% APY · checked 2 times
1.20%1.70%2.20%Sep 14, 2026: 1.70% APYSep 14, 2026Sep 28, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
201 Wadsworth Blvd, Lakewood, CO 80226
180 Day Standard CD Products
$0
1.50% ▼ 1.27% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▼ 1.27% below avg
Details

Balance: Under $100,000

Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Sep 28, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
201 Wadsworth Blvd, Lakewood, CO 80226
6 Month IRA CDs
$0
1.50% ▼ 1.27% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▼ 1.27% below avg
Details

Rate History
No change since Sep 24, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Sep 24, 2026: 1.50% APYSep 24, 2026Sep 28, 2026
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
143 Union Blvd, Lakewood, CO 80228
6 month Standard Fixed Rate CD - Relationship
$2,500
0.06% ▼ 2.71% below national avg
View
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▼ 2.71% below avg
Details

Balance: $0 - $4,999.99. Additional terms are available at a branch.

Rate History
No change since Sep 27, 2026 · 0.06% APY
0.00%0.28%0.56%Sep 27, 2026: 0.06% APYSep 27, 2026Sep 28, 2026
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
143 Union Blvd, Lakewood, CO 80228
6 month Standard Fixed Rate CD
$2,500
0.05% ▼ 2.72% below national avg
View
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▼ 2.72% below avg
Details

Balance: $0 - $4,999.99. Additional terms are available at a branch.

Rate History
No change since Sep 27, 2026 · 0.05% APY
0.00%0.28%0.55%Sep 27, 2026: 0.05% APYSep 27, 2026Sep 28, 2026
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
6 Month Certificate of Deposit
$50,000
4.25% ▲ 1.48% above national avg
View
▼
Rate4.25%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.48% above avg
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

Rate History
No change since Sep 19, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Sep 19, 2026: 4.25% APYSep 19, 2026Sep 28, 2026
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
6 Month CD
$0
4.15% ▲ 1.38% above national avg
View
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.38% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Sep 28, 2026
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
6 Month CD
$0
4.14% ▲ 1.37% above national avg
View
▼
Rate4.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.37% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.14% ▲ 0.24 pts · high 4.14% / low 3.90%
3.40%4.02%4.64%Sep 14, 2026: 3.90% APYSep 24, 2026: 4.14% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20264.14%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
6 Month Certificate
$0
4.06% ▲ 1.29% above national avg
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.29% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.06% ▲ 0.26 pts · high 4.06% / low 3.80%
3.30%3.93%4.56%Sep 14, 2026: 3.80% APYSep 19, 2026: 4.06% APYSep 14, 2026Sep 28, 2026
  • Sep 19, 20264.06%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Jumbo Certificates of Deposit & Greater - 6 Month
$0
4.06% ▲ 1.29% above national avg
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.29% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 4 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Sep 28, 2026
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month Certificate of Deposit
$1,000
4.04% ▲ 1.27% above national avg
View
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.27% above avg
Details

UP to $99,999.99

Rate History
No change since Sep 27, 2026 · 4.04% APY
3.54%4.04%4.54%Sep 27, 2026: 4.04% APYSep 27, 2026Sep 28, 2026
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
6 Month Business Term Certificate Promo
$0
4.00% ▲ 1.23% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 1.23% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
6 Month Share Certificates
$50,000
3.90% ▲ 1.13% above national avg
View
▼
Rate3.85%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.13% above avg
Details

Balance: $50,000+

Rate History
No change since Sep 22, 2026 · 3.90% APY
3.40%3.90%4.40%Sep 22, 2026: 3.90% APYSep 22, 2026Sep 28, 2026
Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
6 Month Youth CD
$50,000
3.90% ▲ 1.13% above national avg
View
▼
Rate3.85%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.13% above avg
Details

Balance: $50,000+

Rate History
1 change since Sep 18, 2026 · 3.91% → 3.90% ▼ 0.01 pts · high 3.91% / low 3.90%
3.40%3.91%4.41%Sep 18, 2026: 3.91% APYSep 22, 2026: 3.90% APYSep 18, 2026Sep 28, 2026
  • Sep 22, 20263.90%▼ from 3.91%
  • Sep 18, 20263.91%first recorded
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
6 Month Time Certificates - Fixed Rate
$0
3.85% ▲ 1.08% above national avg
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.08% above avg
Details

Rate History
1 change since Sep 19, 2026 · 3.46% → 3.85% ▲ 0.39 pts · high 3.85% / low 3.46%
2.96%3.66%4.35%Sep 19, 2026: 3.46% APYSep 24, 2026: 3.85% APYSep 19, 2026Sep 28, 2026
  • Sep 24, 20263.85%▲ from 3.46%
  • Sep 19, 20263.46%first recorded
Grand Junction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
6 Month CD
$0
3.85% ▲ 1.08% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.77%▲ 1.08% above avg
Details

Rate History
No change since Sep 21, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 21, 2026: 3.85% APYSep 21, 2026Sep 28, 2026
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
6-Month Share Certificate
$500
3.85% ▲ 1.08% above national avg
View
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 1.08% above avg
Details

Rate History
No change since Sep 21, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 21, 2026: 3.85% APYSep 21, 2026Sep 28, 2026
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
6 Month Certificate
$0
3.85% ▲ 1.08% above national avg
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.08% above avg
Details

REG only

Rate History
No change since Sep 22, 2026 · 3.85% APY
3.35%3.85%4.35%Sep 22, 2026: 3.85% APYSep 22, 2026Sep 28, 2026
Vio Bank
Institution Rating:
F1.0 ★Texas Ratio: 147.25%
6 Month Certificate
$0
3.85% ▲ 1.08% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.08% above avg
Details

Rate History
No change since Sep 24, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 24, 2026: 3.85% APYSep 24, 2026Sep 28, 2026
Adams Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 10.34%
6-MONTH CD
$500
3.80% ▲ 1.03% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.03% above avg
Details

Balance: $10,000.00 and up

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Sep 28, 2026
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
6 Month Certificate
$1,000
3.80% ▲ 1.03% above national avg
View
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.03% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Sep 28, 2026
Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
6 Month Share/IRA/HSA Certificates
$0
3.80% ▲ 1.03% above national avg
View
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 1.03% above avg
Details

Balance: $500 Minimum

Rate History
No change since Sep 25, 2026 · 3.80% APY
3.30%3.80%4.30%Sep 25, 2026: 3.80% APYSep 25, 2026Sep 28, 2026
Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
Share/IRA/HSA Certificates - 6 months
$0
3.80% ▲ 1.03% above national avg
View
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 1.03% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.80% APY
3.30%3.80%4.30%Sep 25, 2026: 3.80% APYSep 25, 2026Sep 28, 2026
NuVista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate
$50,000
3.80% ▲ 1.03% above national avg
View
▼
Rate3.74%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 1.03% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Sep 28, 2026
Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
6 Month Share Certificates
$500
3.80% ▲ 1.03% above national avg
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.03% above avg
Details

Balance: $500 - $49,999.99

Rate History
No change since Sep 22, 2026 · 3.80% APY
3.30%3.80%4.30%Sep 22, 2026: 3.80% APYSep 22, 2026Sep 28, 2026
Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
6 Month Youth CD
$50
3.80% ▲ 1.03% above national avg
View
▼
Rate3.75%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.03% above avg
Details

Balance: $50 - $49,999.99

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Sep 28, 2026
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
6 Month CD
$0
3.80% ▲ 1.03% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.03% above avg
Details

Balance: $100,000 +

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Sep 28, 2026
North Valley Bank Thornton, CO
Institution Rating:
A5.0 ★Texas Ratio: 13.05%
6 Month CD
$1,000
3.78% ▲ 1.01% above national avg
View
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 1.01% above avg
Details

Rate History
No change since Sep 15, 2026 · 3.78% APY · checked 3 times
3.28%3.78%4.28%Sep 15, 2026: 3.78% APYSep 15, 2026Sep 28, 2026
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
Share & IRA Certificates - 6 Month Term
$0
3.77% ▲ 1.00% above national avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 1.00% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.77% APY · checked 3 times
3.27%3.77%4.27%Sep 14, 2026: 3.77% APYSep 14, 2026Sep 28, 2026
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
6 Month Jumbo IRA CD
$0
3.75% ▲ 0.98% above national avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.98% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Sep 28, 2026
Sunwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
6 Month Certificate
$0
3.75% ▲ 0.98% above national avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.98% above avg
Details

Balance: $500-$24,999.99

Rate History
No change since Sep 22, 2026 · 3.75% APY
3.25%3.75%4.25%Sep 22, 2026: 3.75% APYSep 22, 2026Sep 28, 2026
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
6-Month Certificate
$0
3.75% ▲ 0.98% above national avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.98% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Sep 28, 2026
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
6-Month IRA Certificate
$0
3.75% ▲ 0.98% above national avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.98% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Sep 28, 2026

Lakewood 12 Month CD Rates

National 12 Month CD Average2.94% APY▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
570 S Wadsworth Blvd, Lakewood, CO 80226
12 Month Business CDs
$0
3.90% ▲ 0.96% above national avg
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.96% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Sep 28, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
570 S Wadsworth Blvd, Lakewood, CO 80226
12 Month HSA CD
$0
3.90% ▲ 0.96% above national avg
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.96% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Sep 28, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
570 S Wadsworth Blvd, Lakewood, CO 80226
12 Month IRA Jumbo CD
$0
3.90% ▲ 0.96% above national avg
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.96% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Sep 28, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
570 S Wadsworth Blvd, Lakewood, CO 80226
12 Month Jumbo CD
$0
3.90% ▲ 0.96% above national avg
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.96% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Sep 28, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
570 S Wadsworth Blvd, Lakewood, CO 80226
12 Month Traditional CD
$0
3.90% ▲ 0.96% above national avg
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.96% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Sep 28, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
570 S Wadsworth Blvd, Lakewood, CO 80226
12 Month Youth CD
$0
3.90% ▲ 0.96% above national avg
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.96% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Sep 28, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
570 S Wadsworth Blvd, Lakewood, CO 80226
12 Month Youth Certificate of Deposit
$0
3.90% ▲ 0.96% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.96% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Sep 28, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
570 S Wadsworth Blvd, Lakewood, CO 80226
12 Months CD
$0
3.90% ▲ 0.96% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.96% above avg
Details

Rate History
No change since Sep 21, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 21, 2026: 3.90% APYSep 21, 2026Sep 28, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
9140 W 6th Ave, Lakewood, CO 80215
1 Year Certificate
$0
3.80% ▲ 0.86% above national avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.94%▲ 0.86% above avg
Details

Account Balance $100,000

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Sep 28, 2026
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
7455 W Colfax Ave, Lakewood, CO 80214
12 Month Certificate of Deposit
$500
3.75% ▲ 0.81% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.81% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Sep 28, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
9140 W 6th Ave, Lakewood, CO 80215
1 Year Certificate
$0
3.70% ▲ 0.76% above national avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.94%▲ 0.76% above avg
Details

Account Balance $25,000

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Sep 28, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
9140 W 6th Ave, Lakewood, CO 80215
Traditional Certificate of Deposit (CD) - 1 Year
$0
3.60% ▲ 0.66% above national avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.94%▲ 0.66% above avg
Details

Balance: $10,000 and over

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Sep 28, 2026
Foothills Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.96%
7990 W Alameda Ave, Lakewood, CO 80226
12 Month Certificate
$0
3.55% ▲ 0.61% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.94%▲ 0.61% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Sep 28, 2026
Foothills Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.96%
7990 W Alameda Ave, Lakewood, CO 80226
12 Month IRA CD
$0
3.55% ▲ 0.61% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.94%▲ 0.61% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Sep 28, 2026
Foothills Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.96%
7990 W Alameda Ave, Lakewood, CO 80226
Starter CD (12 month)
$0
3.55% ▲ 0.61% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.94%▲ 0.61% above avg
Details

**

Rate History
No change since Sep 22, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 22, 2026: 3.55% APYSep 22, 2026Sep 28, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
9140 W 6th Ave, Lakewood, CO 80215
Traditional Certificate of Deposit (CD) - 1 Year
$0
3.51% ▲ 0.57% above national avg
View
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.94%▲ 0.57% above avg
Details

Balance: $500 - $9,999.99

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 2 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Sep 28, 2026
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
9305 W ALAMEDA AVE, LAKEWOOD, CO 80226
12 Month Certificate
$0
3.50% ▲ 0.56% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.94%▲ 0.56% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Sep 28, 2026
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
9305 W ALAMEDA AVE, LAKEWOOD, CO 80226
IRA 12 Month Certificate
$0
3.50% ▲ 0.56% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.94%▲ 0.56% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Sep 28, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
7950 W Alameda Avenue, Lakewood, CO 80226
12 Month Certificate
$0
3.30% ▲ 0.36% above national avg
View
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.36% above avg
Details

Balance: $1,000 or more

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Sep 28, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
7950 W Alameda Avenue, Lakewood, CO 80226
Business 12 Month Certificate
$0
3.30% ▲ 0.36% above national avg
View
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.36% above avg
Details

Balance: $1,000 or more

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Sep 28, 2026
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
9305 W ALAMEDA AVE, LAKEWOOD, CO 80226
12 Month Term Starter Certificate
$0
2.40% ▼ 0.54% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.94%▼ 0.54% below avg
Details

Rate History
No change since Sep 14, 2026 · 2.40% APY · checked 3 times
1.90%2.40%2.90%Sep 14, 2026: 2.40% APYSep 14, 2026Sep 28, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
375 Union Blvd, Lakewood, CO 80228
12 Month Certificate of Deposit (CD)
$0
1.60% ▼ 1.34% below national avg
View
▼
Rate1.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.94%▼ 1.34% below avg
Details

Rate History
No change since Sep 22, 2026 · 1.60% APY
1.10%1.60%2.10%Sep 22, 2026: 1.60% APYSep 22, 2026Sep 28, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
375 Union Blvd, Lakewood, CO 80228
12 Month Jumbo Certificates of Deposit (CDs)
$0
1.60% ▼ 1.34% below national avg
View
▼
Rate1.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.94%▼ 1.34% below avg
Details

Rate History
No change since Sep 18, 2026 · 1.60% APY · checked 2 times
1.10%1.60%2.10%Sep 18, 2026: 1.60% APYSep 18, 2026Sep 28, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
375 Union Blvd, Lakewood, CO 80228
Business Certificates of Deposit (CDs) - 12 Month
$500
1.60% ▼ 1.34% below national avg
View
▼
Rate1.59%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.94%▼ 1.34% below avg
Details

Rate History
No change since Sep 18, 2026 · 1.60% APY · checked 2 times
1.10%1.60%2.10%Sep 18, 2026: 1.60% APYSep 18, 2026Sep 28, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
375 Union Blvd, Lakewood, CO 80228
Individual Retirement Account (IRA) CDs - 12 Month
$0
1.60% ▼ 1.34% below national avg
View
▼
Rate1.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.94%▼ 1.34% below avg
Details

Rate History
No change since Sep 14, 2026 · 1.60% APY · checked 2 times
1.10%1.60%2.10%Sep 14, 2026: 1.60% APYSep 14, 2026Sep 28, 2026
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
143 Union Blvd, Lakewood, CO 80228
1 year Standard Fixed Rate CD - Relationship
$2,500
1.51% ▼ 1.43% below national avg
View
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▼ 1.43% below avg
Details

Balance: $0 - $4,999.99. Additional terms are available at a branch.

Rate History
No change since Sep 27, 2026 · 1.51% APY
1.01%1.51%2.01%Sep 27, 2026: 1.51% APYSep 27, 2026Sep 28, 2026
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
143 Union Blvd, Lakewood, CO 80228
1 year Standard Fixed Rate CD
$2,500
1.50% ▼ 1.44% below national avg
View
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▼ 1.44% below avg
Details

Balance: $0 - $4,999.99. Additional terms are available at a branch.

Rate History
No change since Sep 27, 2026 · 1.50% APY
1.00%1.50%2.00%Sep 27, 2026: 1.50% APYSep 27, 2026Sep 28, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
201 Wadsworth Blvd, Lakewood, CO 80226
1 Year IRA CDs
$0
1.50% ▼ 1.44% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▼ 1.44% below avg
Details

Rate History
No change since Sep 24, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Sep 24, 2026: 1.50% APYSep 24, 2026Sep 28, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
201 Wadsworth Blvd, Lakewood, CO 80226
1 Year Standard CD Products
$0
1.50% ▼ 1.44% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▼ 1.44% below avg
Details

Balance: Under $100,000

Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Sep 28, 2026
NuVista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month DREAM Certificate
$100
5.12% ▲ 2.18% above national avg
View
▼
Rate5.00%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 2.18% above avg
Details

Rate History
No change since Sep 14, 2026 · 5.12% APY · checked 3 times
4.62%5.12%5.62%Sep 14, 2026: 5.12% APYSep 14, 2026Sep 28, 2026
Fellowship Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
12 Month Certificate of Deposit
$500
4.41% ▲ 1.47% above national avg
View
▼
Rate4.32%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.94%▲ 1.47% above avg
Details

Certificate accounts have a 1% penalty for early withdrawal and have 10 days after the CD renews before a penalty.

Rate History
No change since Sep 14, 2026 · 4.41% APY · checked 3 times
3.91%4.41%4.91%Sep 14, 2026: 4.41% APYSep 14, 2026Sep 28, 2026
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
12 Month Certificate of Deposit
$50,000
4.33% ▲ 1.39% above national avg
View
▼
Rate4.33%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.39% above avg
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

Rate History
No change since Sep 19, 2026 · 4.33% APY · checked 2 times
3.83%4.33%4.83%Sep 19, 2026: 4.33% APYSep 19, 2026Sep 28, 2026
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
12 Month CD
$0
4.25% ▲ 1.31% above national avg
View
▼
Rate4.16%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.31% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Sep 28, 2026
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
12 Month Time Certificates - Fixed Rate
$0
4.05% ▲ 1.11% above national avg
View
▼
Rate3.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.11% above avg
Details

Rate History
1 change since Sep 19, 2026 · 3.35% → 4.05% ▲ 0.70 pts · high 4.05% / low 3.35%
2.65%3.70%4.75%Sep 19, 2026: 3.35% APYSep 24, 2026: 4.05% APYSep 19, 2026Sep 28, 2026
  • Sep 24, 20264.05%▲ from 3.35%
  • Sep 19, 20263.35%first recorded
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
IRA (Roth & Traditional) - Fixed Rate 12 month
$0
4.05% ▲ 1.11% above national avg
View
▼
Rate3.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.11% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.35% → 4.05% ▲ 0.70 pts · high 4.05% / low 3.35%
2.65%3.70%4.75%Sep 14, 2026: 3.35% APYSep 24, 2026: 4.05% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20264.05%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
12 Month Term Certificates
$0
4.00% ▲ 1.06% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 1.06% above avg
Details

Balance: $500

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Options Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.43%
12-Month CD
$10,000
4.00% ▲ 1.06% above national avg
View
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.94%▲ 1.06% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Options Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.43%
12-Month Certificate Special
$10,000
4.00% ▲ 1.06% above national avg
View
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.94%▲ 1.06% above avg
Details

New Money Only; Limited Availability; Special rate cannot be combined with Loyalty Rewards; 90 day penalty for early withdrawal; At maturity the balance will automatically renew into a standard 6 month term

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
1-Year CD
$0
4.00% ▲ 1.06% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.06% above avg
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Sep 28, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
1-Year Term
$1,000
4.00% ▲ 1.06% above national avg
View
▼
Rate3.92%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.06% above avg
Details

Rate History
No change since Sep 27, 2026 · 4.00% APY
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Sep 28, 2026
Vio Bank
Institution Rating:
F1.0 ★Texas Ratio: 147.25%
12 Month Certificate
$0
4.00% ▲ 1.06% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.06% above avg
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Sep 28, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
12 Month Bonus Certificates
$0
3.97% ▲ 1.03% above national avg
View
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 1.03% above avg
Details

Balance: 12 Month

Rate History
1 change since Sep 21, 2026 · 3.95% → 3.97% ▲ 0.02 pts · high 3.97% / low 3.95%
3.45%3.96%4.47%Sep 21, 2026: 3.95% APYSep 25, 2026: 3.97% APYSep 21, 2026Sep 28, 2026
  • Sep 25, 20263.97%▲ from 3.95%
  • Sep 21, 20263.95%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates 12 Month
$0
3.97% ▲ 1.03% above national avg
View
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 1.03% above avg
Details

Balance: $40,000

Rate History
1 change since Sep 14, 2026 · 3.95% → 3.97% ▲ 0.02 pts · high 3.97% / low 3.95%
3.45%3.96%4.47%Sep 14, 2026: 3.95% APYSep 25, 2026: 3.97% APYSep 14, 2026Sep 28, 2026
  • Sep 25, 20263.97%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
12 Month CD
$0
3.95% ▲ 1.01% above national avg
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.01% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 4 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Sep 28, 2026
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1 Year Certificate
$0
3.91% ▲ 0.97% above national avg
View
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.97% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.91% ▲ 0.26 pts · high 3.91% / low 3.65%
3.15%3.78%4.41%Sep 14, 2026: 3.65% APYSep 19, 2026: 3.91% APYSep 14, 2026Sep 28, 2026
  • Sep 19, 20263.91%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Jumbo Certificates of Deposit & Greater - 1 Year
$0
3.91% ▲ 0.97% above national avg
View
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.97% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.91% APY · checked 4 times
3.41%3.91%4.41%Sep 14, 2026: 3.91% APYSep 14, 2026Sep 28, 2026
Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
1 Year Share Certificates
$50,000
3.86% ▲ 0.92% above national avg
View
▼
Rate3.80%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.94%▲ 0.92% above avg
Details

Balance: $50,000+

Rate History
No change since Sep 22, 2026 · 3.86% APY
3.36%3.86%4.36%Sep 22, 2026: 3.86% APYSep 22, 2026Sep 28, 2026
Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
1 Year Youth CD
$50,000
3.86% ▲ 0.92% above national avg
View
▼
Rate3.80%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.94%▲ 0.92% above avg
Details

Balance: $50,000+

Rate History
No change since Sep 18, 2026 · 3.86% APY · checked 2 times
3.36%3.86%4.36%Sep 18, 2026: 3.86% APYSep 18, 2026Sep 28, 2026
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
1 Year Jumbo IRA Share Certificates
$0
3.85% ▲ 0.91% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.94%▲ 0.91% above avg
Details

Balance: $100,000.00

Rate History
1 change since Sep 18, 2026 · 3.70% → 3.85% ▲ 0.15 pts · high 3.85% / low 3.70%
3.20%3.78%4.35%Sep 18, 2026: 3.70% APYSep 25, 2026: 3.85% APYSep 18, 2026Sep 28, 2026
  • Sep 25, 20263.85%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
1 Year Jumbo Share Certificates
$0
3.85% ▲ 0.91% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.94%▲ 0.91% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 3.85% ▲ 0.15 pts · high 3.85% / low 3.70%
3.20%3.78%4.35%Sep 14, 2026: 3.70% APYSep 25, 2026: 3.85% APYSep 14, 2026Sep 28, 2026
  • Sep 25, 20263.85%▲ from 3.70%
  • Sep 14, 20263.70%first recorded

Lakewood 18 Month CD Rates

National 18 Month CD Average2.82% APYUnchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Foothills Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.96%
7990 W Alameda Ave, Lakewood, CO 80226
18 Month Certificate
$0
3.50% ▲ 0.68% above national avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.82%▲ 0.68% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Sep 28, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
9140 W 6th Ave, Lakewood, CO 80215
18 Month Certificate
$0
3.15% ▲ 0.33% above national avg
View
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.33% above avg
Details

Account Balance $100,000

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 2 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Sep 28, 2026
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
7455 W Colfax Ave, Lakewood, CO 80214
18 Month Certificate of Deposit
$500
3.10% ▲ 0.28% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.28% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 3 times
2.60%3.10%3.60%Sep 18, 2026: 3.10% APYSep 18, 2026Sep 28, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
9140 W 6th Ave, Lakewood, CO 80215
18 Month Certificate
$0
3.05% ▲ 0.23% above national avg
View
▼
Rate3.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.23% above avg
Details

Account Balance $25,000

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 2 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Sep 28, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
9140 W 6th Ave, Lakewood, CO 80215
Traditional Certificate of Deposit (CD) - 18 Month
$0
2.95% ▲ 0.13% above national avg
View
▼
Rate2.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.13% above avg
Details

Balance: $10,000 and over

Rate History
No change since Sep 14, 2026 · 2.95% APY · checked 2 times
2.45%2.95%3.45%Sep 14, 2026: 2.95% APYSep 14, 2026Sep 28, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
9140 W 6th Ave, Lakewood, CO 80215
Traditional Certificate of Deposit (CD) - 18 Month
$0
2.85% ▲ 0.03% above national avg
View
▼
Rate2.82%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.03% above avg
Details

Balance: $500 - $9,999.99

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 2 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Sep 28, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
570 S Wadsworth Blvd, Lakewood, CO 80226
18 Month Smart Move CD
$2,500
2.40% ▼ 0.42% below national avg
View
▼
Rate2.37%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▼ 0.42% below avg
Details

Rate History
No change since Sep 14, 2026 · 2.40% APY · checked 5 times
1.90%2.40%2.90%Sep 14, 2026: 2.40% APYSep 14, 2026Sep 28, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
201 Wadsworth Blvd, Lakewood, CO 80226
18 Month IRA CDs
$0
1.50% ▼ 1.32% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▼ 1.32% below avg
Details

Rate History
No change since Sep 24, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Sep 24, 2026: 1.50% APYSep 24, 2026Sep 28, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
201 Wadsworth Blvd, Lakewood, CO 80226
18 Month Standard CD Products
$0
1.50% ▼ 1.32% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▼ 1.32% below avg
Details

Balance: Under $100,000

Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Sep 28, 2026
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
18 Month Certificate of Deposit
$50,000
4.30% ▲ 1.48% above national avg
View
▼
Rate4.30%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.48% above avg
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

Rate History
No change since Sep 19, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Sep 19, 2026: 4.30% APYSep 19, 2026Sep 28, 2026
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
18 Month CD
$0
4.20% ▲ 1.38% above national avg
View
▼
Rate4.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.38% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 4 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Sep 28, 2026
Vio Bank
Institution Rating:
F1.0 ★Texas Ratio: 147.25%
18 Month Certificate
$0
4.15% ▲ 1.33% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.33% above avg
Details

Rate History
No change since Sep 24, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Sep 24, 2026: 4.15% APYSep 24, 2026Sep 28, 2026
Farmers State Bank of Calhan
Institution Rating:
A-4.3 ★Texas Ratio: 3.71%
18 Months Special CD
$500
4.10% ▲ 1.28% above national avg
View
▼
Rate4.04%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.28% above avg
Details

Rate History
No change since Sep 24, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Sep 24, 2026: 4.10% APYSep 24, 2026Sep 28, 2026
Yuma County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificates of Deposit
$50,000
4.08% ▲ 1.26% above national avg
View
▼
Rate4.00%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 1.26% above avg
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.

Rate History
No change since Sep 25, 2026 · 4.08% APY
3.58%4.08%4.58%Sep 25, 2026: 4.08% APYSep 25, 2026Sep 28, 2026
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
18 Month Certificate of Deposit
$1,000
4.05% ▲ 1.23% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.23% above avg
Details

Rate History
1 change since Sep 18, 2026 · 3.90% → 4.05% ▲ 0.15 pts · high 4.05% / low 3.90%
3.40%3.97%4.55%Sep 18, 2026: 3.90% APYSep 24, 2026: 4.05% APYSep 18, 2026Sep 28, 2026
  • Sep 24, 20264.05%▲ from 3.90%
  • Sep 18, 20263.90%first recorded
Yuma County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificate of Deposit
$10,000
3.82% ▲ 1.00% above national avg
View
▼
Rate3.75%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 1.00% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.82% APY
3.32%3.82%4.32%Sep 25, 2026: 3.82% APYSep 25, 2026Sep 28, 2026
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
18 Month Certificate
$0
3.80% ▲ 0.98% above national avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.98% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
3.05%3.68%4.30%Sep 14, 2026: 3.55% APYSep 19, 2026: 3.80% APYSep 14, 2026Sep 28, 2026
  • Sep 19, 20263.80%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Jumbo Certificates of Deposit & Greater - 18 Month
$0
3.80% ▲ 0.98% above national avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.98% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Sep 28, 2026
North Valley Bank Thornton, CO
Institution Rating:
A5.0 ★Texas Ratio: 13.05%
18 Month Fixed Rate CD
$100,000
3.80% ▲ 0.98% above national avg
View
▼
Rate3.75%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.98% above avg
Details

Rate History
No change since Sep 15, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 15, 2026: 3.80% APYSep 15, 2026Sep 28, 2026
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
18 Month CD
$0
3.65% ▲ 0.83% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.83% above avg
Details

Balance: $100,000 +

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Sep 28, 2026
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
18 Month CD
$0
3.60% ▲ 0.78% above national avg
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.78% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Sep 28, 2026
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
18 Month (Variable Rate) IRA Certificate
$500
3.56% ▲ 0.74% above national avg
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.74% above avg
Details

Variable Rate

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Sep 28, 2026
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
18 Month Certificate
$500
3.56% ▲ 0.74% above national avg
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.74% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Sep 28, 2026
Yuma County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificate of Deposit
$500
3.56% ▲ 0.74% above national avg
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 0.74% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.56% APY
3.06%3.56%4.06%Sep 25, 2026: 3.56% APYSep 25, 2026Sep 28, 2026
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
18 Month Certificate
$1,000
3.55% ▲ 0.73% above national avg
View
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.73% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Sep 28, 2026
North Valley Bank Thornton, CO
Institution Rating:
A5.0 ★Texas Ratio: 13.05%
18 Month Fixed Rate CD
$100
3.55% ▲ 0.73% above national avg
View
▼
Rate3.50%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.73% above avg
Details

Rate History
No change since Sep 15, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 15, 2026: 3.55% APYSep 15, 2026Sep 28, 2026
Aurora Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.93%
Super Jumbo Certificates 18 Month
$0
3.55% ▲ 0.73% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 0.73% above avg
Details

$50,000

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Sep 28, 2026
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
18 Month CD
$0
3.55% ▲ 0.73% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.73% above avg
Details

Balance: $500-$99,999.99

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Sep 28, 2026
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
18 Month CD
$10,000
3.50% ▲ 0.68% above national avg
View
▼
Rate3.45%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 0.68% above avg
Details

Rate History
No change since Sep 16, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 16, 2026: 3.50% APYSep 16, 2026Sep 28, 2026
Aurora Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.93%
Jumbo Certificates 18 Month
$0
3.50% ▲ 0.68% above national avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 0.68% above avg
Details

$10,000

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Sep 28, 2026
Meritrust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
18 Month Share and IRA Certificates
$0
3.50% ▲ 0.68% above national avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.68% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Sep 28, 2026
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 10.44%
18 Month Certificate
$500
3.50% ▲ 0.68% above national avg
View
▼
Rate3.46%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.82%▲ 0.68% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Sep 28, 2026
Aurora Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.93%
18 Month Term Certificates
$0
3.45% ▲ 0.63% above national avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 0.63% above avg
Details

$500 Minimum

Rate History
No change since Sep 21, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Sep 21, 2026: 3.45% APYSep 21, 2026Sep 28, 2026
Sunwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
18 Month Certificate
$0
3.45% ▲ 0.63% above national avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.63% above avg
Details

Balance: $500-$24,999.99

Rate History
No change since Sep 22, 2026 · 3.45% APY
2.95%3.45%3.95%Sep 22, 2026: 3.45% APYSep 22, 2026Sep 28, 2026
Holyoke Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
18 Month CD
$50,000
3.44% ▲ 0.62% above national avg
View
▼
Rate3.40%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 0.62% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.44% APY
2.94%3.44%3.94%Sep 25, 2026: 3.44% APYSep 25, 2026Sep 28, 2026
Options Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.43%
Certificates (CD) - 18 Months
$0
3.40% ▲ 0.58% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.58% above avg
Details

Penalty: 180 days interest

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Sep 28, 2026
Holyoke Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
18 Month CD
$10,000
3.39% ▲ 0.57% above national avg
View
▼
Rate3.35%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 0.57% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.39% APY
2.89%3.39%3.89%Sep 25, 2026: 3.39% APYSep 25, 2026Sep 28, 2026
Sterling Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
18 Month IRA Certificate
$1,000
3.35% ▲ 0.53% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 0.53% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.35% APY
2.85%3.35%3.85%Sep 25, 2026: 3.35% APYSep 25, 2026Sep 28, 2026
Sterling Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
18 Month Share Certificate
$1,000
3.35% ▲ 0.53% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 0.53% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.35% APY
2.85%3.35%3.85%Sep 25, 2026: 3.35% APYSep 25, 2026Sep 28, 2026
Northern Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
18 Month IRA CERT
$1,000
3.35% ▲ 0.53% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.53% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Sep 28, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
18 Month Certificate
$0
3.30% ▲ 0.48% above national avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.48% above avg
Details

Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on the average daily balance. APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account. See our CD Truth in Savings Disclosure for further information.

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Sep 28, 2026
Equitable Savings and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
IRA 18 MONTH CD
$100
3.25% ▲ 0.43% above national avg
View
▼
Rate3.20%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.43% above avg
Details

Penalty: 6 MO

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Sep 28, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
18 Month Certificate
$0
3.25% ▲ 0.43% above national avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.43% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25%
2.75%3.28%3.80%Sep 14, 2026: 3.30% APYSep 18, 2026: 3.25% APYSep 14, 2026Sep 28, 2026
  • Sep 18, 20263.25%▼ from 3.30%
  • Sep 14, 20263.30%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business 18 Month Certificate
$0
3.25% ▲ 0.43% above national avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.43% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Sep 28, 2026
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
18 Month IRA Share Certificates
$0
3.25% ▲ 0.43% above national avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.43% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Sep 28, 2026
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
18 Month Certificate
$500
3.24% ▲ 0.42% above national avg
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.42% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.24% APY · checked 4 times
2.74%3.24%3.74%Sep 14, 2026: 3.24% APYSep 14, 2026Sep 28, 2026
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
18 Month IRA Certificate
$1,000
3.24% ▲ 0.42% above national avg
View
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.42% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.24% APY · checked 4 times
2.74%3.24%3.74%Sep 14, 2026: 3.24% APYSep 14, 2026Sep 28, 2026
First FarmBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
18 Month Certificate of Deposit
$1,000
3.20% ▲ 0.38% above national avg
View
▼
Rate3.16%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.38% above avg
Details

Rate History
No change since Sep 19, 2026 · 3.20% APY · checked 3 times
2.70%3.20%3.70%Sep 19, 2026: 3.20% APYSep 19, 2026Sep 28, 2026
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
18 Month Business Certificates
$500
3.20% ▲ 0.38% above national avg
View
▼
Rate3.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 0.38% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 3 times
2.70%3.20%3.70%Sep 18, 2026: 3.20% APYSep 18, 2026Sep 28, 2026
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
18 Month Share Certificate
$500
3.20% ▲ 0.38% above national avg
View
▼
Rate3.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 0.38% above avg
Details

Rate History
No change since Sep 20, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Sep 20, 2026: 3.20% APYSep 20, 2026Sep 28, 2026

Lakewood 24 Month CD Rates

National 24 Month CD Average2.84% APY▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
570 S Wadsworth Blvd, Lakewood, CO 80226
24 Month Business CDs
$0
4.00% ▲ 1.16% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.16% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
570 S Wadsworth Blvd, Lakewood, CO 80226
24 Month Featured CD
$0
4.00% ▲ 1.16% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.16% above avg
Details

Secure Your Rate

Rate History
No change since Sep 27, 2026 · 4.00% APY
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Sep 28, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
570 S Wadsworth Blvd, Lakewood, CO 80226
24 Month HSA CD
$0
4.00% ▲ 1.16% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.16% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
570 S Wadsworth Blvd, Lakewood, CO 80226
24 Month Traditional CD
$0
4.00% ▲ 1.16% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.16% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Foothills Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.96%
7990 W Alameda Ave, Lakewood, CO 80226
24 Month Certificate
$0
3.45% ▲ 0.61% above national avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▲ 0.61% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 4 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Sep 28, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
570 S Wadsworth Blvd, Lakewood, CO 80226
24 Month Smart Move CD
$2,500
3.40% ▲ 0.56% above national avg
View
▼
Rate3.35%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.56% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 5 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Sep 28, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
7950 W Alameda Avenue, Lakewood, CO 80226
24 Month Certificate
$0
3.35% ▲ 0.51% above national avg
View
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.51% above avg
Details

Balance: $1,000 or more

Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Sep 28, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
7950 W Alameda Avenue, Lakewood, CO 80226
Business 24 Month Certificate
$0
3.35% ▲ 0.51% above national avg
View
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.51% above avg
Details

Balance: $1,000 or more

Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Sep 28, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
9140 W 6th Ave, Lakewood, CO 80215
2 Year Certificate
$0
3.35% ▲ 0.51% above national avg
View
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.51% above avg
Details

Account Balance $100,000

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Sep 28, 2026
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
9305 W ALAMEDA AVE, LAKEWOOD, CO 80226
24 Month Certificate
$0
3.35% ▲ 0.51% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.51% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Sep 28, 2026
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
9305 W ALAMEDA AVE, LAKEWOOD, CO 80226
IRA 24 Month Certificate
$0
3.35% ▲ 0.51% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.51% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Sep 28, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
9140 W 6th Ave, Lakewood, CO 80215
2 Year Certificate
$0
3.25% ▲ 0.41% above national avg
View
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.41% above avg
Details

Account Balance $25,000

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Sep 28, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
9140 W 6th Ave, Lakewood, CO 80215
Traditional Certificate of Deposit (CD) - 2 Year
$0
3.15% ▲ 0.31% above national avg
View
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.31% above avg
Details

Balance: $10,000 and over

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 2 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Sep 28, 2026
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
7455 W Colfax Ave, Lakewood, CO 80214
24 Month Certificate of Deposit
$500
3.10% ▲ 0.26% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.26% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 3 times
2.60%3.10%3.60%Sep 18, 2026: 3.10% APYSep 18, 2026Sep 28, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
9140 W 6th Ave, Lakewood, CO 80215
Traditional Certificate of Deposit (CD) - 2 Year
$0
3.05% ▲ 0.21% above national avg
View
▼
Rate3.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.21% above avg
Details

Balance: $500 - $9,999.99

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 2 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Sep 28, 2026
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
9305 W ALAMEDA AVE, LAKEWOOD, CO 80226
24 Month Term Starter Certificate
$0
3.00% ▲ 0.16% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.16% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Sep 28, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
375 Union Blvd, Lakewood, CO 80228
24 Month Certificate of Deposit (CD)
$0
1.55% ▼ 1.29% below national avg
View
▼
Rate1.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 1.29% below avg
Details

Rate History
No change since Sep 22, 2026 · 1.55% APY
1.05%1.55%2.05%Sep 22, 2026: 1.55% APYSep 22, 2026Sep 28, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
375 Union Blvd, Lakewood, CO 80228
24 Month Jumbo Certificates of Deposit (CDs)
$0
1.55% ▼ 1.29% below national avg
View
▼
Rate1.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 1.29% below avg
Details

Rate History
No change since Sep 18, 2026 · 1.55% APY · checked 2 times
1.05%1.55%2.05%Sep 18, 2026: 1.55% APYSep 18, 2026Sep 28, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
375 Union Blvd, Lakewood, CO 80228
Business Certificates of Deposit (CDs) - 24 Month
$500
1.55% ▼ 1.29% below national avg
View
▼
Rate1.54%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 1.29% below avg
Details

Rate History
No change since Sep 18, 2026 · 1.55% APY · checked 2 times
1.05%1.55%2.05%Sep 18, 2026: 1.55% APYSep 18, 2026Sep 28, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
375 Union Blvd, Lakewood, CO 80228
Individual Retirement Account (IRA) CDs - 24 Month
$0
1.55% ▼ 1.29% below national avg
View
▼
Rate1.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 1.29% below avg
Details

Rate History
No change since Sep 14, 2026 · 1.55% APY · checked 2 times
1.05%1.55%2.05%Sep 14, 2026: 1.55% APYSep 14, 2026Sep 28, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
201 Wadsworth Blvd, Lakewood, CO 80226
2 Year IRA CDs
$0
1.50% ▼ 1.34% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 1.34% below avg
Details

Rate History
No change since Sep 24, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Sep 24, 2026: 1.50% APYSep 24, 2026Sep 28, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
201 Wadsworth Blvd, Lakewood, CO 80226
2 Year Standard CD Products
$0
1.50% ▼ 1.34% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 1.34% below avg
Details

Balance: Under $100,000

Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Sep 28, 2026
5Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
24 Month Variable IRA
$250
4.39% ▲ 1.55% above national avg
View
▼
Rate4.30%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.55% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.39% APY · checked 3 times
3.89%4.39%4.89%Sep 14, 2026: 4.39% APYSep 14, 2026Sep 28, 2026
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
24 Month Certificate of Deposit
$50,000
4.32% ▲ 1.48% above national avg
View
▼
Rate4.32%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.48% above avg
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

Rate History
No change since Sep 19, 2026 · 4.32% APY · checked 2 times
3.82%4.32%4.82%Sep 19, 2026: 4.32% APYSep 19, 2026Sep 28, 2026
Vio Bank
Institution Rating:
F1.0 ★Texas Ratio: 147.25%
24 Month Certificate
$0
4.25% ▲ 1.41% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.41% above avg
Details

Rate History
No change since Sep 24, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Sep 24, 2026: 4.25% APYSep 24, 2026Sep 28, 2026
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
24 Month Term Certificates
$0
4.11% ▲ 1.27% above national avg
View
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.27% above avg
Details

Balance: $500

Rate History
No change since Sep 14, 2026 · 4.11% APY · checked 3 times
3.61%4.11%4.61%Sep 14, 2026: 4.11% APYSep 14, 2026Sep 28, 2026
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
24 Month CD
$0
4.10% ▲ 1.26% above national avg
View
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.26% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Sep 28, 2026
Fellowship Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
24 Month Certificate of Deposit
$500
4.07% ▲ 1.23% above national avg
View
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.23% above avg
Details

Certificate accounts have a 1% penalty for early withdrawal and have 10 days after the CD renews before a penalty.

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 3 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Sep 28, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
24 Month Bonus Certificates
$0
3.97% ▲ 1.13% above national avg
View
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.13% above avg
Details

Balance: 24 Month

Rate History
1 change since Sep 21, 2026 · 3.96% → 3.97% ▲ 0.01 pts · high 3.97% / low 3.96%
3.46%3.97%4.47%Sep 21, 2026: 3.96% APYSep 25, 2026: 3.97% APYSep 21, 2026Sep 28, 2026
  • Sep 25, 20263.97%▲ from 3.96%
  • Sep 21, 20263.96%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates 24 Month
$0
3.97% ▲ 1.13% above national avg
View
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.13% above avg
Details

Balance: $40,000

Rate History
1 change since Sep 14, 2026 · 3.96% → 3.97% ▲ 0.01 pts · high 3.97% / low 3.96%
3.46%3.97%4.47%Sep 14, 2026: 3.96% APYSep 25, 2026: 3.97% APYSep 14, 2026Sep 28, 2026
  • Sep 25, 20263.97%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
Farmers State Bank of Calhan
Institution Rating:
A-4.3 ★Texas Ratio: 3.71%
2 Years CD
$500
3.95% ▲ 1.11% above national avg
View
▼
Rate3.89%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.11% above avg
Details

Rate History
No change since Sep 24, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Sep 24, 2026: 3.95% APYSep 24, 2026Sep 28, 2026
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
24 Month JUMBO certificates
$0
3.95% ▲ 1.11% above national avg
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.11% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Sep 18, 2026: 3.95% APYSep 18, 2026Sep 28, 2026
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
24 Month Jumbo IRA CD
$0
3.95% ▲ 1.11% above national avg
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.11% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Sep 28, 2026
Wings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
24 Month Standard CD
$0
3.90% ▲ 1.06% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.06% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Sep 28, 2026
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
24 Month Term certificate
$0
3.85% ▲ 1.01% above national avg
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.01% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 18, 2026: 3.85% APYSep 18, 2026Sep 28, 2026
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
24 Month Traditional IRA Certificates
$0
3.85% ▲ 1.01% above national avg
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.01% above avg
Details

traditional ira, roth ira and sep ira

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Sep 28, 2026
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2 Year Certificate
$500
3.83% ▲ 0.99% above national avg
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.99% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.57% → 3.83% ▲ 0.26 pts · high 3.83% / low 3.57%
3.07%3.70%4.33%Sep 14, 2026: 3.57% APYSep 24, 2026: 3.83% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20263.83%▲ from 3.57%
  • Sep 14, 20263.57%first recorded
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2 Years IRA Certificate
$500
3.83% ▲ 0.99% above national avg
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.99% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.57% → 3.83% ▲ 0.26 pts · high 3.83% / low 3.57%
3.07%3.70%4.33%Sep 14, 2026: 3.57% APYSep 24, 2026: 3.83% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20263.83%▲ from 3.57%
  • Sep 14, 20263.57%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
24 Month Certificates
$0
3.81% ▲ 0.97% above national avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.97% above avg
Details

Balance: $2,500 - $2,499.99

Rate History
1 change since Sep 21, 2026 · 3.80% → 3.81% ▲ 0.01 pts · high 3.81% / low 3.80%
3.30%3.81%4.31%Sep 21, 2026: 3.80% APYSep 25, 2026: 3.81% APYSep 21, 2026Sep 28, 2026
  • Sep 25, 20263.81%▲ from 3.80%
  • Sep 21, 20263.80%first recorded
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
24 Month Time Certificates - Fixed Rate
$0
3.75% ▲ 0.91% above national avg
View
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.91% above avg
Details

Rate History
1 change since Sep 19, 2026 · 3.00% → 3.75% ▲ 0.75 pts · high 3.75% / low 3.00%
2.25%3.38%4.50%Sep 19, 2026: 3.00% APYSep 24, 2026: 3.75% APYSep 19, 2026Sep 28, 2026
  • Sep 24, 20263.75%▲ from 3.00%
  • Sep 19, 20263.00%first recorded
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
IRA (Roth & Traditional) - Fixed Rate 24 months
$0
3.75% ▲ 0.91% above national avg
View
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.91% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.75% ▲ 0.75 pts · high 3.75% / low 3.00%
2.25%3.38%4.50%Sep 14, 2026: 3.00% APYSep 24, 2026: 3.75% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20263.75%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
2 Year Certificate
$0
3.70% ▲ 0.86% above national avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.86% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.44% → 3.70% ▲ 0.26 pts · high 3.70% / low 3.44%
2.94%3.57%4.20%Sep 14, 2026: 3.44% APYSep 19, 2026: 3.70% APYSep 14, 2026Sep 28, 2026
  • Sep 19, 20263.70%▲ from 3.44%
  • Sep 14, 20263.44%first recorded
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Jumbo Certificates of Deposit & Greater - 2 Year
$0
3.70% ▲ 0.86% above national avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.86% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Sep 28, 2026
Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
24 Month Share/IRA/HSA Certificates
$0
3.65% ▲ 0.81% above national avg
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.81% above avg
Details

Balance: $500 Minimum

Rate History
No change since Sep 25, 2026 · 3.65% APY
3.15%3.65%4.15%Sep 25, 2026: 3.65% APYSep 25, 2026Sep 28, 2026
Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
Share/IRA/HSA Certificates - 24 months
$0
3.65% ▲ 0.81% above national avg
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.81% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.65% APY
3.15%3.65%4.15%Sep 25, 2026: 3.65% APYSep 25, 2026Sep 28, 2026
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
2 Year Jumbo IRA Share Certificates
$0
3.65% ▲ 0.81% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.84%▲ 0.81% above avg
Details

Balance: $100,000.00

Rate History
1 change since Sep 18, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 18, 2026: 3.50% APYSep 25, 2026: 3.65% APYSep 18, 2026Sep 28, 2026
  • Sep 25, 20263.65%▲ from 3.50%
  • Sep 18, 20263.50%first recorded
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
2 Year Jumbo Share Certificates
$0
3.65% ▲ 0.81% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.84%▲ 0.81% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 14, 2026: 3.50% APYSep 25, 2026: 3.65% APYSep 14, 2026Sep 28, 2026
  • Sep 25, 20263.65%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
24 Month CD
$0
3.65% ▲ 0.81% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.81% above avg
Details

Balance: $100,000 +

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Sep 28, 2026
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
Share & IRA Certificates - 24 Month Term- Jumbo
$0
3.61% ▲ 0.77% above national avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.77% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.61% APY · checked 3 times
3.11%3.61%4.11%Sep 14, 2026: 3.61% APYSep 14, 2026Sep 28, 2026
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
24 Month Certificate
$100,000
3.60% ▲ 0.76% above national avg
View
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.76% above avg
Details

Rate History
No change since Sep 22, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 22, 2026: 3.60% APYSep 22, 2026Sep 28, 2026

Lakewood 36 Month CD Rates

National 36 Month CD Average2.76% APY▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
570 S Wadsworth Blvd, Lakewood, CO 80226
36 Month Business CDs
$0
4.05% ▲ 1.29% above national avg
View
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.29% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 5 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Sep 28, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
570 S Wadsworth Blvd, Lakewood, CO 80226
36 Month HSA CD
$0
4.05% ▲ 1.29% above national avg
View
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.29% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 5 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Sep 28, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
570 S Wadsworth Blvd, Lakewood, CO 80226
36 Month Traditional CD
$0
4.05% ▲ 1.29% above national avg
View
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.29% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 5 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Sep 28, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
7950 W Alameda Avenue, Lakewood, CO 80226
36 Month Certificate
$0
3.40% ▲ 0.64% above national avg
View
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.64% above avg
Details

Balance: $1,000 or more

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Sep 28, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
7950 W Alameda Avenue, Lakewood, CO 80226
Business 36 Month Certificate
$0
3.40% ▲ 0.64% above national avg
View
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.64% above avg
Details

Balance: $1,000 or more

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Sep 28, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
9140 W 6th Ave, Lakewood, CO 80215
3 Year Certificate
$0
3.40% ▲ 0.64% above national avg
View
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.64% above avg
Details

Account Balance $100,000

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Sep 28, 2026
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
9305 W ALAMEDA AVE, LAKEWOOD, CO 80226
36 Month Certificate
$0
3.40% ▲ 0.64% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.64% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Sep 28, 2026
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
9305 W ALAMEDA AVE, LAKEWOOD, CO 80226
IRA 36 Month Certificate
$0
3.40% ▲ 0.64% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.64% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Sep 28, 2026
Foothills Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.96%
7990 W Alameda Ave, Lakewood, CO 80226
36 Month Certificate
$0
3.35% ▲ 0.59% above national avg
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.76%▲ 0.59% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 4 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Sep 28, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
9140 W 6th Ave, Lakewood, CO 80215
3 Year Certificate
$0
3.30% ▲ 0.54% above national avg
View
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.54% above avg
Details

Account Balance $25,000

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Sep 28, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
9140 W 6th Ave, Lakewood, CO 80215
Traditional Certificate of Deposit (CD) - 3 Year
$0
3.20% ▲ 0.44% above national avg
View
▼
Rate3.16%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.44% above avg
Details

Balance: $10,000 and over

Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Sep 28, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
570 S Wadsworth Blvd, Lakewood, CO 80226
36 Month Smart Move CD
$2,500
3.15% ▲ 0.39% above national avg
View
▼
Rate3.11%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.39% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 5 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Sep 28, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
9140 W 6th Ave, Lakewood, CO 80215
Traditional Certificate of Deposit (CD) - 3 Year
$0
3.10% ▲ 0.34% above national avg
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.34% above avg
Details

Balance: $500 - $9,999.99

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Sep 28, 2026
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
7455 W Colfax Ave, Lakewood, CO 80214
36 Month Certificate of Deposit
$500
3.03% ▲ 0.27% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.27% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.03% APY · checked 3 times
2.53%3.03%3.53%Sep 18, 2026: 3.03% APYSep 18, 2026Sep 28, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
375 Union Blvd, Lakewood, CO 80228
36 Month Certificate of Deposit (CD)
$0
1.55% ▼ 1.21% below national avg
View
▼
Rate1.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 1.21% below avg
Details

Rate History
No change since Sep 22, 2026 · 1.55% APY
1.05%1.55%2.05%Sep 22, 2026: 1.55% APYSep 22, 2026Sep 28, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
375 Union Blvd, Lakewood, CO 80228
Business Certificates of Deposit (CDs) - 36 Month
$500
1.55% ▼ 1.21% below national avg
View
▼
Rate1.54%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 1.21% below avg
Details

Rate History
No change since Sep 18, 2026 · 1.55% APY · checked 2 times
1.05%1.55%2.05%Sep 18, 2026: 1.55% APYSep 18, 2026Sep 28, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
375 Union Blvd, Lakewood, CO 80228
Individual Retirement Account (IRA) CDs - 36 Month
$0
1.55% ▼ 1.21% below national avg
View
▼
Rate1.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 1.21% below avg
Details

Rate History
No change since Sep 14, 2026 · 1.55% APY · checked 2 times
1.05%1.55%2.05%Sep 14, 2026: 1.55% APYSep 14, 2026Sep 28, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
201 Wadsworth Blvd, Lakewood, CO 80226
3 Year IRA CDs
$0
1.50% ▼ 1.26% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▼ 1.26% below avg
Details

Rate History
No change since Sep 24, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Sep 24, 2026: 1.50% APYSep 24, 2026Sep 28, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
201 Wadsworth Blvd, Lakewood, CO 80226
3 Year Standard CD Products
$0
1.50% ▼ 1.26% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▼ 1.26% below avg
Details

Balance: Under $100,000

Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Sep 28, 2026
5Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
36 Month Variable IRA
$250
4.44% ▲ 1.68% above national avg
View
▼
Rate4.35%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.68% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.44% APY · checked 3 times
3.94%4.44%4.94%Sep 14, 2026: 4.44% APYSep 14, 2026Sep 28, 2026
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
36 Month Certificate of Deposit
$50,000
4.25% ▲ 1.49% above national avg
View
▼
Rate4.25%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.49% above avg
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

Rate History
No change since Sep 19, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Sep 19, 2026: 4.25% APYSep 19, 2026Sep 28, 2026
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
36 Month JUMBO certificates
$0
4.10% ▲ 1.34% above national avg
View
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.34% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Sep 18, 2026: 4.10% APYSep 18, 2026Sep 28, 2026
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
36 Month Jumbo IRA CD
$0
4.10% ▲ 1.34% above national avg
View
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.34% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Sep 28, 2026
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
3 Year Certificate
$500
4.09% ▲ 1.33% above national avg
View
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.33% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.09% APY · checked 3 times
3.59%4.09%4.59%Sep 14, 2026: 4.09% APYSep 14, 2026Sep 28, 2026
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
36 Month CD
$0
4.05% ▲ 1.29% above national avg
View
▼
Rate3.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 1.29% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 4 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Sep 28, 2026
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
36 Month Term certificate
$0
4.00% ▲ 1.24% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.24% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Sep 28, 2026
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
36 Month Traditional IRA Certificates
$0
4.00% ▲ 1.24% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.24% above avg
Details

traditional ira, roth ira and sep ira

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
36 Month Bonus Certificates
$0
3.97% ▲ 1.21% above national avg
View
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 1.21% above avg
Details

Balance: 36 Month

Rate History
No change since Sep 21, 2026 · 3.97% APY · checked 2 times
3.47%3.97%4.47%Sep 21, 2026: 3.97% APYSep 21, 2026Sep 28, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates 36 Month
$0
3.97% ▲ 1.21% above national avg
View
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 1.21% above avg
Details

Balance: $40,000

Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
3.41%3.94%4.47%Sep 14, 2026: 3.91% APYSep 25, 2026: 3.97% APYSep 14, 2026Sep 28, 2026
  • Sep 25, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
36 Month Certificates
$0
3.81% ▲ 1.05% above national avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 1.05% above avg
Details

Balance: $2,500 - $2,499.99

Rate History
No change since Sep 21, 2026 · 3.81% APY · checked 2 times
3.31%3.81%4.31%Sep 21, 2026: 3.81% APYSep 21, 2026Sep 28, 2026
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
36 Month CD
$0
3.75% ▲ 0.99% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.99% above avg
Details

Balance: $100,000 +

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Sep 28, 2026
Wings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
36 Month Flex Certificate
$0
3.75% ▲ 0.99% above national avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.99% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Sep 28, 2026
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
3 Year Certificate
$0
3.70% ▲ 0.94% above national avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.94% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.44% → 3.70% ▲ 0.26 pts · high 3.70% / low 3.44%
2.94%3.57%4.20%Sep 14, 2026: 3.44% APYSep 19, 2026: 3.70% APYSep 14, 2026Sep 28, 2026
  • Sep 19, 20263.70%▲ from 3.44%
  • Sep 14, 20263.44%first recorded
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Jumbo Certificates of Deposit & Greater - 3 Year
$0
3.70% ▲ 0.94% above national avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.94% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Sep 28, 2026
Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
36 Month Share/IRA/HSA Certificates
$0
3.65% ▲ 0.89% above national avg
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.89% above avg
Details

Balance: $500 Minimum

Rate History
No change since Sep 25, 2026 · 3.65% APY
3.15%3.65%4.15%Sep 25, 2026: 3.65% APYSep 25, 2026Sep 28, 2026
Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
Share/IRA/HSA Certificates - 36 months
$0
3.65% ▲ 0.89% above national avg
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.89% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.65% APY
3.15%3.65%4.15%Sep 25, 2026: 3.65% APYSep 25, 2026Sep 28, 2026
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
36 Month Term Certificates
$0
3.65% ▲ 0.89% above national avg
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.89% above avg
Details

Balance: $500

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Sep 28, 2026
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
3 Year Jumbo IRA Share Certificates
$0
3.65% ▲ 0.89% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.76%▲ 0.89% above avg
Details

Balance: $100,000.00

Rate History
1 change since Sep 18, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 18, 2026: 3.50% APYSep 25, 2026: 3.65% APYSep 18, 2026Sep 28, 2026
  • Sep 25, 20263.65%▲ from 3.50%
  • Sep 18, 20263.50%first recorded
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
3 Year Jumbo Share Certificates
$0
3.65% ▲ 0.89% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.76%▲ 0.89% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 14, 2026: 3.50% APYSep 25, 2026: 3.65% APYSep 14, 2026Sep 28, 2026
  • Sep 25, 20263.65%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
36 Month CD
$0
3.65% ▲ 0.89% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.89% above avg
Details

Balance: $500-$99,999.99

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Sep 28, 2026
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
36 Month Certificate of Deposit
$0
3.65% ▲ 0.89% above national avg
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.89% above avg
Details

Balance: $100,000+

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Sep 28, 2026
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Certificates of Deposit (CD) - 36 Months
$0
3.65% ▲ 0.89% above national avg
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.89% above avg
Details

Compounded/Credited: Monthly; Balance: $100.00+ Dividend Rate: 3.3481; $100,000.00+ Dividend Rate: 3.5903; $100,000.00 Annual Percentage Yield: 3.65

Rate History
No change since Sep 22, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Sep 22, 2026: 3.65% APYSep 22, 2026Sep 28, 2026
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 10.44%
36 Month Certificate
$500
3.60% ▲ 0.84% above national avg
View
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.76%▲ 0.84% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Sep 28, 2026
Yuma County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Certificates of Deposit
$50,000
3.56% ▲ 0.80% above national avg
View
▼
Rate3.50%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.80% above avg
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.

Rate History
No change since Sep 25, 2026 · 3.56% APY
3.06%3.56%4.06%Sep 25, 2026: 3.56% APYSep 25, 2026Sep 28, 2026
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
36 Month Time Certificates - Fixed Rate
$0
3.55% ▲ 0.79% above national avg
View
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.79% above avg
Details

Rate History
1 change since Sep 19, 2026 · 2.80% → 3.55% ▲ 0.75 pts · high 3.55% / low 2.80%
2.05%3.18%4.30%Sep 19, 2026: 2.80% APYSep 24, 2026: 3.55% APYSep 19, 2026Sep 28, 2026
  • Sep 24, 20263.55%▲ from 2.80%
  • Sep 19, 20262.80%first recorded
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
IRA (Roth & Traditional) - Fixed Rate 36 months
$0
3.55% ▲ 0.79% above national avg
View
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.79% above avg
Details

Rate History
1 change since Sep 14, 2026 · 2.80% → 3.55% ▲ 0.75 pts · high 3.55% / low 2.80%
2.05%3.18%4.30%Sep 14, 2026: 2.80% APYSep 24, 2026: 3.55% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20263.55%▲ from 2.80%
  • Sep 14, 20262.80%first recorded
Aurora Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.93%
IRA 36 Month CD
$0
3.55% ▲ 0.79% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.79% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Sep 28, 2026
Aurora Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.93%
Super Jumbo Certificates 36 Month
$0
3.55% ▲ 0.79% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.79% above avg
Details

$50,000

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Sep 28, 2026
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
36 Month CD
$10,000
3.50% ▲ 0.74% above national avg
View
▼
Rate3.45%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.74% above avg
Details

Rate History
No change since Sep 16, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 16, 2026: 3.50% APYSep 16, 2026Sep 28, 2026
Aurora Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.93%
Jumbo Certificates 36 Month
$0
3.50% ▲ 0.74% above national avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.74% above avg
Details

$10,000

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Sep 28, 2026

Lakewood 48 Month CD Rates

National 48 Month CD Average2.75% APY▼ 0.02% 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: 3.70%
7950 W Alameda Avenue, Lakewood, CO 80226
48 Month Certificate
$0
3.45% ▲ 0.70% above national avg
View
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.70% above avg
Details

Balance: $1,000 or more

Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 3 times
2.95%3.45%3.95%Sep 18, 2026: 3.45% APYSep 18, 2026Sep 28, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
7950 W Alameda Avenue, Lakewood, CO 80226
Business 48 Month Certificate
$0
3.45% ▲ 0.70% above national avg
View
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.70% above avg
Details

Balance: $1,000 or more

Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 3 times
2.95%3.45%3.95%Sep 18, 2026: 3.45% APYSep 18, 2026Sep 28, 2026
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
9305 W ALAMEDA AVE, LAKEWOOD, CO 80226
48 Month Certificate
$0
3.45% ▲ 0.70% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.70% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 3 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Sep 28, 2026
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
9305 W ALAMEDA AVE, LAKEWOOD, CO 80226
IRA 48 Month Certificate
$0
3.45% ▲ 0.70% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.70% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 3 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Sep 28, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
9140 W 6th Ave, Lakewood, CO 80215
4 Year Certificate
$0
3.40% ▲ 0.65% above national avg
View
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.65% above avg
Details

Account Balance $100,000

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Sep 28, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
9140 W 6th Ave, Lakewood, CO 80215
4 Year Certificate
$0
3.30% ▲ 0.55% above national avg
View
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.55% above avg
Details

Account Balance $25,000

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Sep 28, 2026
Foothills Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.96%
7990 W Alameda Ave, Lakewood, CO 80226
48 Month Certificate
$0
3.30% ▲ 0.55% above national avg
View
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.75%▲ 0.55% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Sep 28, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
9140 W 6th Ave, Lakewood, CO 80215
Traditional Certificate of Deposit (CD) - 4 Year
$0
3.20% ▲ 0.45% above national avg
View
▼
Rate3.16%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.45% above avg
Details

Balance: $10,000 and over

Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Sep 28, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
9140 W 6th Ave, Lakewood, CO 80215
Traditional Certificate of Deposit (CD) - 4 Year
$0
3.10% ▲ 0.35% above national avg
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.35% above avg
Details

Balance: $500 - $9,999.99

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Sep 28, 2026
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
7455 W Colfax Ave, Lakewood, CO 80214
48 Month Certificate of Deposit
$500
3.03% ▲ 0.28% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.28% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.03% APY · checked 3 times
2.53%3.03%3.53%Sep 18, 2026: 3.03% APYSep 18, 2026Sep 28, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
375 Union Blvd, Lakewood, CO 80228
48 Month Certificate of Deposit (CD)
$0
1.60% ▼ 1.15% below national avg
View
▼
Rate1.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▼ 1.15% below avg
Details

Rate History
No change since Sep 22, 2026 · 1.60% APY
1.10%1.60%2.10%Sep 22, 2026: 1.60% APYSep 22, 2026Sep 28, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
375 Union Blvd, Lakewood, CO 80228
Business Certificates of Deposit (CDs) - 48 Month
$500
1.60% ▼ 1.15% below national avg
View
▼
Rate1.59%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▼ 1.15% below avg
Details

Rate History
No change since Sep 18, 2026 · 1.60% APY · checked 2 times
1.10%1.60%2.10%Sep 18, 2026: 1.60% APYSep 18, 2026Sep 28, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
375 Union Blvd, Lakewood, CO 80228
Individual Retirement Account (IRA) CDs - 48 Month
$0
1.60% ▼ 1.15% below national avg
View
▼
Rate1.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▼ 1.15% below avg
Details

Rate History
No change since Sep 14, 2026 · 1.60% APY · checked 2 times
1.10%1.60%2.10%Sep 14, 2026: 1.60% APYSep 14, 2026Sep 28, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
201 Wadsworth Blvd, Lakewood, CO 80226
4 Year IRA CDs
$0
1.50% ▼ 1.25% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▼ 1.25% below avg
Details

Rate History
No change since Sep 24, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Sep 24, 2026: 1.50% APYSep 24, 2026Sep 28, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
201 Wadsworth Blvd, Lakewood, CO 80226
4 Year Standard CD Products
$0
1.50% ▼ 1.25% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▼ 1.25% below avg
Details

Balance: Under $100,000

Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Sep 28, 2026
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
4 Year Certificate
$500
4.35% ▲ 1.60% above national avg
View
▼
Rate4.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.60% above avg
Details

Rate History
1 change since Sep 14, 2026 · 4.09% → 4.35% ▲ 0.26 pts · high 4.35% / low 4.09%
3.59%4.22%4.85%Sep 14, 2026: 4.09% APYSep 24, 2026: 4.35% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20264.35%▲ from 4.09%
  • Sep 14, 20264.09%first recorded
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
48 Month JUMBO certificates
$0
4.20% ▲ 1.45% above national avg
View
▼
Rate4.12%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.45% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Sep 28, 2026
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
48 Month Jumbo IRA CD
$0
4.20% ▲ 1.45% above national avg
View
▼
Rate4.12%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.45% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Sep 28, 2026
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
48 Month Certificate of Deposit
$50,000
4.18% ▲ 1.43% above national avg
View
▼
Rate4.18%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.43% above avg
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

Rate History
No change since Sep 19, 2026 · 4.18% APY · checked 2 times
3.68%4.18%4.68%Sep 19, 2026: 4.18% APYSep 19, 2026Sep 28, 2026
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
48 Month Term certificate
$0
4.10% ▲ 1.35% above national avg
View
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.35% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Sep 18, 2026: 4.10% APYSep 18, 2026Sep 28, 2026
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
48 Month Traditional IRA Certificates
$0
4.10% ▲ 1.35% above national avg
View
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.35% above avg
Details

traditional ira, roth ira and sep ira

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Sep 28, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
48 Month Bonus Certificates
$0
3.97% ▲ 1.22% above national avg
View
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 1.22% above avg
Details

Balance: 48 Month

Rate History
No change since Sep 21, 2026 · 3.97% APY · checked 2 times
3.47%3.97%4.47%Sep 21, 2026: 3.97% APYSep 21, 2026Sep 28, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates 48 Month
$0
3.97% ▲ 1.22% above national avg
View
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 1.22% above avg
Details

Balance: $40,000

Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
3.41%3.94%4.47%Sep 14, 2026: 3.91% APYSep 25, 2026: 3.97% APYSep 14, 2026Sep 28, 2026
  • Sep 25, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
48 Month CD
$0
3.85% ▲ 1.10% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.10% above avg
Details

Balance: $100,000 +

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Sep 28, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
48 Month Certificates
$0
3.81% ▲ 1.06% above national avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 1.06% above avg
Details

Balance: $2,500 - $2,499.99

Rate History
No change since Sep 21, 2026 · 3.81% APY · checked 2 times
3.31%3.81%4.31%Sep 21, 2026: 3.81% APYSep 21, 2026Sep 28, 2026
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
48 Month CD
$0
3.75% ▲ 1.00% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 1.00% above avg
Details

Balance: $500-$99,999.99

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Sep 28, 2026
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
4 Year Certificate
$0
3.70% ▲ 0.95% above national avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.95% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.44% → 3.70% ▲ 0.26 pts · high 3.70% / low 3.44%
2.94%3.57%4.20%Sep 14, 2026: 3.44% APYSep 19, 2026: 3.70% APYSep 14, 2026Sep 28, 2026
  • Sep 19, 20263.70%▲ from 3.44%
  • Sep 14, 20263.44%first recorded
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Jumbo Certificates of Deposit & Greater - 4 Year
$0
3.70% ▲ 0.95% above national avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.95% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Sep 28, 2026
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
48 Month Certificate of Deposit
$0
3.70% ▲ 0.95% above national avg
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.95% above avg
Details

Balance: $100,000+

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Sep 28, 2026
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Certificates of Deposit (CD) - 48 Months
$0
3.70% ▲ 0.95% above national avg
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.95% above avg
Details

Compounded/Credited: Monthly; Balance: $100.00+ Dividend Rate: 3.3966; $100,000.00+ Dividend Rate: 3.6387; $100,000.00 Annual Percentage Yield: 3.70

Rate History
No change since Sep 22, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Sep 22, 2026: 3.70% APYSep 22, 2026Sep 28, 2026
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
4 Year Jumbo IRA Share Certificates
$0
3.65% ▲ 0.90% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.75%▲ 0.90% above avg
Details

Balance: $100,000.00

Rate History
1 change since Sep 18, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 18, 2026: 3.50% APYSep 25, 2026: 3.65% APYSep 18, 2026Sep 28, 2026
  • Sep 25, 20263.65%▲ from 3.50%
  • Sep 18, 20263.50%first recorded
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
4 Year Jumbo Share Certificates
$0
3.65% ▲ 0.90% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.75%▲ 0.90% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 14, 2026: 3.50% APYSep 25, 2026: 3.65% APYSep 14, 2026Sep 28, 2026
  • Sep 25, 20263.65%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 10.44%
48 Month Baby-Jumbo Certificate
$50,000
3.60% ▲ 0.85% above national avg
View
▼
Rate3.55%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.75%▲ 0.85% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Sep 28, 2026
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 10.44%
48 Month Certificate
$500
3.60% ▲ 0.85% above national avg
View
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.75%▲ 0.85% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Sep 28, 2026
Equitable Savings and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
48 MONTH IRA
$2,000
3.56% ▲ 0.81% above national avg
View
▼
Rate3.50%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.81% above avg
Details

Penalty: 3 MO+

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Sep 28, 2026
Aurora Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.93%
IRA 48 Month CD
$0
3.55% ▲ 0.80% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 0.80% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Sep 28, 2026
Aurora Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.93%
Super Jumbo Certificates 48 Month
$0
3.55% ▲ 0.80% above national avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 0.80% above avg
Details

$50,000

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Sep 28, 2026
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
48 Month Term Certificates
$0
3.51% ▲ 0.76% above national avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 0.76% above avg
Details

Balance: $500

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 3 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Sep 28, 2026
Aurora Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.93%
Jumbo Certificates 48 Month
$0
3.50% ▲ 0.75% above national avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 0.75% above avg
Details

$10,000

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Sep 28, 2026
Meritrust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
48 Month Share and IRA Certificates
$0
3.50% ▲ 0.75% above national avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.75% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Sep 28, 2026
Options Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.43%
Certificates (CD) - 48 Months
$0
3.50% ▲ 0.75% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.75% above avg
Details

Penalty: 180 days interest

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Sep 28, 2026
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
4 Year Regular IRA Share Certificates
$0
3.45% ▲ 0.70% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.75%▲ 0.70% above avg
Details

Balance: $1,000.00-$99,999.99

Rate History
1 change since Sep 18, 2026 · 3.30% → 3.45% ▲ 0.15 pts · high 3.45% / low 3.30%
2.80%3.38%3.95%Sep 18, 2026: 3.30% APYSep 25, 2026: 3.45% APYSep 18, 2026Sep 28, 2026
  • Sep 25, 20263.45%▲ from 3.30%
  • Sep 18, 20263.30%first recorded
Aurora Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.93%
48 Month Term Certificates
$0
3.45% ▲ 0.70% above national avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 0.70% above avg
Details

$500 Minimum

Rate History
No change since Sep 21, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Sep 21, 2026: 3.45% APYSep 21, 2026Sep 28, 2026
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
48 Month Certificate of Deposit
$0
3.45% ▲ 0.70% above national avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.70% above avg
Details

Balance: $100+

Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 3 times
2.95%3.45%3.95%Sep 18, 2026: 3.45% APYSep 18, 2026Sep 28, 2026
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Certificates of Deposit (CD) - 48 Months
$0
3.45% ▲ 0.70% above national avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.70% above avg
Details

Compounded/Credited: Monthly; Balance: $100.00+ Dividend Rate: 3.3966; $100,000.00+ Dividend Rate: 3.6387; $100,000.00 Annual Percentage Yield: 3.70

Rate History
No change since Sep 22, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Sep 22, 2026: 3.45% APYSep 22, 2026Sep 28, 2026
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
4 Year Certificate
$1,000
3.44% ▲ 0.69% above national avg
View
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.69% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 4 times
2.94%3.44%3.94%Sep 14, 2026: 3.44% APYSep 14, 2026Sep 28, 2026
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
48 Month Time Certificates - Fixed Rate
$0
3.40% ▲ 0.65% above national avg
View
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.65% above avg
Details

Rate History
1 change since Sep 19, 2026 · 2.60% → 3.40% ▲ 0.80 pts · high 3.40% / low 2.60%
1.80%3.00%4.20%Sep 19, 2026: 2.60% APYSep 24, 2026: 3.40% APYSep 19, 2026Sep 28, 2026
  • Sep 24, 20263.40%▲ from 2.60%
  • Sep 19, 20262.60%first recorded
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
IRA (Roth & Traditional) - Fixed Rate 48 months
$0
3.40% ▲ 0.65% above national avg
View
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.65% above avg
Details

Rate History
1 change since Sep 14, 2026 · 2.60% → 3.40% ▲ 0.80 pts · high 3.40% / low 2.60%
1.80%3.00%4.20%Sep 14, 2026: 2.60% APYSep 24, 2026: 3.40% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20263.40%▲ from 2.60%
  • Sep 14, 20262.60%first recorded
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
48 Month Certificate
$100,000
3.40% ▲ 0.65% above national avg
View
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.65% above avg
Details

Rate History
No change since Sep 22, 2026 · 3.40% APY
2.90%3.40%3.90%Sep 22, 2026: 3.40% APYSep 22, 2026Sep 28, 2026
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
Share & IRA Certificates - 48 Month Term
$0
3.35% ▲ 0.60% above national avg
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 0.60% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Sep 28, 2026

Lakewood 60 Month CD Rates

National 60 Month CD Average2.84% APYUnchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
570 S Wadsworth Blvd, Lakewood, CO 80226
60 Month Business CDs
$0
4.10% ▲ 1.26% above national avg
View
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.26% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 5 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Sep 28, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
570 S Wadsworth Blvd, Lakewood, CO 80226
60 Month HSA CD
$0
4.10% ▲ 1.26% above national avg
View
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.26% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 5 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Sep 28, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
570 S Wadsworth Blvd, Lakewood, CO 80226
60 Month Traditional CD
$0
4.10% ▲ 1.26% above national avg
View
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.26% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 5 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Sep 28, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
570 S Wadsworth Blvd, Lakewood, CO 80226
60 Months CD
$0
4.10% ▲ 1.26% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.26% above avg
Details

Rate History
No change since Sep 21, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 21, 2026: 4.10% APYSep 21, 2026Sep 28, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
7950 W Alameda Avenue, Lakewood, CO 80226
60 Month Certificate
$0
3.51% ▲ 0.67% above national avg
View
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.67% above avg
Details

Balance: $1,000 or more

Rate History
No change since Sep 18, 2026 · 3.51% APY · checked 3 times
3.01%3.51%4.01%Sep 18, 2026: 3.51% APYSep 18, 2026Sep 28, 2026
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
7950 W Alameda Avenue, Lakewood, CO 80226
Business 60 Month Certificate
$0
3.51% ▲ 0.67% above national avg
View
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.67% above avg
Details

Balance: $1,000 or more

Rate History
No change since Sep 18, 2026 · 3.51% APY · checked 3 times
3.01%3.51%4.01%Sep 18, 2026: 3.51% APYSep 18, 2026Sep 28, 2026
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
9305 W ALAMEDA AVE, LAKEWOOD, CO 80226
60 Month Certificate
$0
3.50% ▲ 0.66% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.66% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Sep 28, 2026
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
9305 W ALAMEDA AVE, LAKEWOOD, CO 80226
IRA 60 Month Certificate
$0
3.50% ▲ 0.66% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.66% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Sep 28, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
9140 W 6th Ave, Lakewood, CO 80215
5 Year Certificate
$0
3.45% ▲ 0.61% above national avg
View
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.61% above avg
Details

Account Balance $100,000

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Sep 28, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
9140 W 6th Ave, Lakewood, CO 80215
5 Year Certificate
$0
3.35% ▲ 0.51% above national avg
View
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.51% above avg
Details

Account Balance $25,000

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Sep 28, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
9140 W 6th Ave, Lakewood, CO 80215
Traditional Certificate of Deposit (CD) - 5 Year
$0
3.25% ▲ 0.41% above national avg
View
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.41% above avg
Details

Balance: $10,000 and over

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Sep 28, 2026
Foothills Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.96%
7990 W Alameda Ave, Lakewood, CO 80226
60 Month Certificate
$0
3.25% ▲ 0.41% above national avg
View
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▲ 0.41% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Sep 28, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
9140 W 6th Ave, Lakewood, CO 80215
Traditional Certificate of Deposit (CD) - 5 Year
$0
3.15% ▲ 0.31% above national avg
View
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.31% above avg
Details

Balance: $500 - $9,999.99

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 2 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Sep 28, 2026
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
7455 W Colfax Ave, Lakewood, CO 80214
60 Month Certificate of Deposit
$500
3.03% ▲ 0.19% above national avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.19% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.03% APY · checked 3 times
2.53%3.03%3.53%Sep 18, 2026: 3.03% APYSep 18, 2026Sep 28, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
375 Union Blvd, Lakewood, CO 80228
60 Month Certificate of Deposit (CD)
$0
1.65% ▼ 1.19% below national avg
View
▼
Rate1.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 1.19% below avg
Details

Rate History
No change since Sep 22, 2026 · 1.65% APY
1.15%1.65%2.15%Sep 22, 2026: 1.65% APYSep 22, 2026Sep 28, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
375 Union Blvd, Lakewood, CO 80228
60 Month Jumbo Certificates of Deposit (CDs)
$0
1.65% ▼ 1.19% below national avg
View
▼
Rate1.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 1.19% below avg
Details

Rate History
No change since Sep 18, 2026 · 1.65% APY · checked 2 times
1.15%1.65%2.15%Sep 18, 2026: 1.65% APYSep 18, 2026Sep 28, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
375 Union Blvd, Lakewood, CO 80228
Business Certificates of Deposit (CDs) - 60 Month
$500
1.65% ▼ 1.19% below national avg
View
▼
Rate1.64%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 1.19% below avg
Details

Rate History
No change since Sep 18, 2026 · 1.65% APY · checked 2 times
1.15%1.65%2.15%Sep 18, 2026: 1.65% APYSep 18, 2026Sep 28, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
375 Union Blvd, Lakewood, CO 80228
Individual Retirement Account (IRA) CDs - 60 Month
$0
1.65% ▼ 1.19% below national avg
View
▼
Rate1.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 1.19% below avg
Details

Rate History
No change since Sep 14, 2026 · 1.65% APY · checked 2 times
1.15%1.65%2.15%Sep 14, 2026: 1.65% APYSep 14, 2026Sep 28, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
201 Wadsworth Blvd, Lakewood, CO 80226
5 Year IRA CDs
$0
1.50% ▼ 1.34% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 1.34% below avg
Details

Rate History
No change since Sep 24, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Sep 24, 2026: 1.50% APYSep 24, 2026Sep 28, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
201 Wadsworth Blvd, Lakewood, CO 80226
5 Year Standard CD Products
$0
1.50% ▼ 1.34% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 1.34% below avg
Details

Balance: Under $100,000

Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Sep 28, 2026
5Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
60 Month Variable IRA
$250
4.57% ▲ 1.73% above national avg
View
▼
Rate4.47%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.73% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.57% APY · checked 3 times
4.07%4.57%5.07%Sep 14, 2026: 4.57% APYSep 14, 2026Sep 28, 2026
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
5 Year Certificate
$500
4.35% ▲ 1.51% above national avg
View
▼
Rate4.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.51% above avg
Details

Rate History
1 change since Sep 14, 2026 · 4.09% → 4.35% ▲ 0.26 pts · high 4.35% / low 4.09%
3.59%4.22%4.85%Sep 14, 2026: 4.09% APYSep 24, 2026: 4.35% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20264.35%▲ from 4.09%
  • Sep 14, 20264.09%first recorded
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
5 Years IRA Certificate
$500
4.35% ▲ 1.51% above national avg
View
▼
Rate4.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.51% above avg
Details

Rate History
1 change since Sep 14, 2026 · 4.09% → 4.35% ▲ 0.26 pts · high 4.35% / low 4.09%
3.59%4.22%4.85%Sep 14, 2026: 4.09% APYSep 24, 2026: 4.35% APYSep 14, 2026Sep 28, 2026
  • Sep 24, 20264.35%▲ from 4.09%
  • Sep 14, 20264.09%first recorded
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
60 Month JUMBO certificates
$0
4.35% ▲ 1.51% above national avg
View
▼
Rate4.27%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.51% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Sep 18, 2026: 4.35% APYSep 18, 2026Sep 28, 2026
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
60 Month Jumbo IRA CD
$0
4.35% ▲ 1.51% above national avg
View
▼
Rate4.27%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.51% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Sep 14, 2026: 4.35% APYSep 14, 2026Sep 28, 2026
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
60 Month Term certificate
$0
4.25% ▲ 1.41% above national avg
View
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.41% above avg
Details

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Sep 28, 2026
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
60 Month Traditional IRA Certificates
$0
4.25% ▲ 1.41% above national avg
View
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.41% above avg
Details

traditional ira, roth ira and sep ira

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Sep 28, 2026
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
60 Month Certificate of Deposit
$50,000
4.17% ▲ 1.33% above national avg
View
▼
Rate4.17%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.33% above avg
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

Rate History
No change since Sep 19, 2026 · 4.17% APY · checked 2 times
3.67%4.17%4.67%Sep 19, 2026: 4.17% APYSep 19, 2026Sep 28, 2026
Wings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
60 Month Certificate
$0
4.15% ▲ 1.31% above national avg
View
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.31% above avg
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Sep 28, 2026
Options Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.43%
Certificates (CD) - 60 Months
$0
4.10% ▲ 1.26% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.26% above avg
Details

Penalty: 180 days interest

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Sep 28, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
60 Month Bonus Certificates
$0
4.00% ▲ 1.16% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.16% above avg
Details

Balance: 60 Month

Rate History
No change since Sep 21, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 21, 2026: 4.00% APYSep 21, 2026Sep 28, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates 60 Month
$0
4.00% ▲ 1.16% above national avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.16% above avg
Details

Balance: $40,000

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Weld Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
Regular and IRA Certificates of Deposit - 60 Month Term
$500
4.00% ▲ 1.16% above national avg
View
▼
Rate3.92%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.16% above avg
Details

Maximum total CD Deposit: $500,000 per person.

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Weld Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
Youth Certificates of Deposit - 60 Month Term
$100
4.00% ▲ 1.16% above national avg
View
▼
Rate3.92%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.16% above avg
Details

Maximum total CD Deposit: $500,000 per person.

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
60 Month CD
$0
3.95% ▲ 1.11% above national avg
View
▼
Rate3.87%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.11% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 4 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Sep 28, 2026
Options Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.43%
Certificates (CD) - 60 Months
$0
3.85% ▲ 1.01% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.01% above avg
Details

Penalty: 180 days interest

Rate History
1 change since Sep 14, 2026 · 4.10% → 3.85% ▼ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 14, 2026: 4.10% APYSep 22, 2026: 3.85% APYSep 14, 2026Sep 28, 2026
  • Sep 22, 20263.85%▼ from 4.10%
  • Sep 14, 20264.10%first recorded
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
60 Month CD
$0
3.85% ▲ 1.01% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 1.01% above avg
Details

Balance: $100,000 +

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Sep 28, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
60 Month Certificates
$0
3.84% ▲ 1.00% above national avg
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.00% above avg
Details

Balance: $2,500 - $2,499.99

Rate History
No change since Sep 21, 2026 · 3.84% APY · checked 2 times
3.34%3.84%4.34%Sep 21, 2026: 3.84% APYSep 21, 2026Sep 28, 2026
Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
Share/IRA/HSA Certificates - 60 month
$0
3.75% ▲ 0.91% above national avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.91% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.75% APY
3.25%3.75%4.25%Sep 25, 2026: 3.75% APYSep 25, 2026Sep 28, 2026
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
60 Month CD
$0
3.75% ▲ 0.91% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.91% above avg
Details

Balance: $500-$99,999.99

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Sep 28, 2026
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5 Year Certificate
$0
3.70% ▲ 0.86% above national avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.86% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.44% → 3.70% ▲ 0.26 pts · high 3.70% / low 3.44%
2.94%3.57%4.20%Sep 14, 2026: 3.44% APYSep 19, 2026: 3.70% APYSep 14, 2026Sep 28, 2026
  • Sep 19, 20263.70%▲ from 3.44%
  • Sep 14, 20263.44%first recorded
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Jumbo Certificates of Deposit & Greater - 5 Year
$0
3.70% ▲ 0.86% above national avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.86% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Sep 28, 2026
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
60 Month Certificate of Deposit
$0
3.70% ▲ 0.86% above national avg
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.86% above avg
Details

Balance: $100,000+

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Sep 28, 2026
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Certificates of Deposit (CD) - 60 Months
$0
3.70% ▲ 0.86% above national avg
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.86% above avg
Details

Compounded/Credited: Monthly; Balance: $100.00+ Dividend Rate: 3.3966; $100,000.00+ Dividend Rate: 3.6387; $100,000.00 Annual Percentage Yield: 3.70

Rate History
No change since Sep 22, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Sep 22, 2026: 3.70% APYSep 22, 2026Sep 28, 2026
Equitable Savings and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
60 MONTH IRA
$2,000
3.67% ▲ 0.83% above national avg
View
▼
Rate3.60%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.83% above avg
Details

Penalty: 3 MO+

Rate History
No change since Sep 14, 2026 · 3.67% APY · checked 3 times
3.17%3.67%4.17%Sep 14, 2026: 3.67% APYSep 14, 2026Sep 28, 2026
Fidelis Catholic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
60 Month Share Certificate
$0
3.65% ▲ 0.81% above national avg
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.81% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Sep 28, 2026
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
5 Year Jumbo IRA Share Certificates
$0
3.65% ▲ 0.81% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.84%▲ 0.81% above avg
Details

Balance: $100,000.00

Rate History
1 change since Sep 18, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 18, 2026: 3.50% APYSep 25, 2026: 3.65% APYSep 18, 2026Sep 28, 2026
  • Sep 25, 20263.65%▲ from 3.50%
  • Sep 18, 20263.50%first recorded
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
5 Year Jumbo Share Certificates
$0
3.65% ▲ 0.81% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.84%▲ 0.81% above avg
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 14, 2026: 3.50% APYSep 25, 2026: 3.65% APYSep 14, 2026Sep 28, 2026
  • Sep 25, 20263.65%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Options Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.43%
Certificates (CD) - 60 Months
$0
3.60% ▲ 0.76% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.76% above avg
Details

Penalty: 180 days interest

Rate History
1 change since Sep 14, 2026 · 4.10% → 3.60% ▼ 0.50 pts · high 4.10% / low 3.60%
3.10%3.85%4.60%Sep 14, 2026: 4.10% APYSep 22, 2026: 3.60% APYSep 14, 2026Sep 28, 2026
  • Sep 22, 20263.60%▼ from 4.10%
  • Sep 14, 20264.10%first recorded
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 10.44%
60 Month Baby-Jumbo Certificate
$50,000
3.60% ▲ 0.76% above national avg
View
▼
Rate3.55%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 26, 2026
National Average2.84%▲ 0.76% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Sep 28, 2026
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

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

Top CD Rates from Lakewood, Colorado Institutions

Highest verified APYs available today, updated September 28, 2026

B Top 5 Bank Rates
UMB Bank
3-MONTH TIME DEPOSIT ACCOUNT
A+ 5.0 ★ TX: 1.88%
Min: $500
3.85%
Academy Bank
12 Month Certificate of Deposit
A+ 5.0 ★ TX: 5.56%
Min: $500
3.75%
ANB Bank
60 Month Certificate
A+ 5.0 ★ TX: 3.70%
Min: $0
3.51%
Wells Fargo
1 year Standard Fixed Rate CD - Relationship
A 5.0 ★ TX: 6.32%
Min: $2,500
1.51%
BOK Financial
1 Year IRA CDs
A+ 5.0 ★ TX: 2.56%
Min: $0
1.50%
CU Top 5 Credit Union Rates
Bellco Credit Union
60 Month Business CDs
A 5.0 ★ TX: 9.71%
Min: $0
4.10%
Credit Union Of Colorado
1 Year Certificate
A+ 5.0 ★ TX: 4.37%
Min: $0
3.80%
Credit Union Of Denver
6 Month Certificate
A+ 5.0 ★ TX: 2.33%
Min: $0
3.65%
Foothills Credit Union
6 Month Certificate
A- 4.9 ★ TX: 15.96%
Min: $0
3.65%
Westerra Credit Union
3 Month Certificate of Deposit (CD)
A+ 5.0 ★ TX: 3.20%
Min: $0
1.85%
Rates verified September 28, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.

Lakewood, CO CD Rate Trends

Compare local Lakewood, 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
2.942%
▼ 0.010 vs 7 days ago

Colorado 12-month CD rates fell 0.010 points over the past 7 days to 2.942% APY.

6-Month CD CO Avg
2.768%
▲ 0.001 vs 7 days ago

Colorado 6-month CD rates rose 0.001 points over the past 7 days to 2.768% APY.

As of Sep 28, 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 September 2027?

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

CO 12-Month Avg APY
2.942%
6-Month Forecast
2.942%
Range: 2.74% – 3.09%
12-Month Forecast
3.192%
Range: 2.99% – 3.34%

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

Spread model: The Colorado 12-month CD average currently trades 1.43% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

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

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

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 2.076% $103.80 $207.59 $518.98 $1,037.95
6-Month CD 2.768% $138.39 $276.78 $691.95 $1,383.90
12-Month CD 2.942% $147.08 $294.15 $735.38 $1,470.75
18-Month CD 2.817% $140.84 $281.67 $704.18 $1,408.35
24-Month CD 2.836% $141.82 $283.64 $709.10 $1,418.20
36-Month CD 2.757% $137.86 $275.71 $689.28 $1,378.55
48-Month CD 2.751% $137.54 $275.08 $687.70 $1,375.40
60-Month CD 2.843% $142.17 $284.33 $710.83 $1,421.65
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 28, 2026.

Sample CD Ladder for Lakewood, Colorado Savers

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

Build Your Ladder
Rung Term Deposit CO Avg APY Annual Earnings
1 3-Month CD $5,000 2.076% $103.80
2 6-Month CD $5,000 2.768% $138.39
3 12-Month CD $5,000 2.942% $147.08
4 24-Month CD $5,000 2.836% $141.82
5 36-Month CD $5,000 2.757% $137.86
Total ($25,000 invested) $25,000 2.676% blended $668.95/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.

860
CD Rates
Tracked in Lakewood, Colorado
34 Banks 49 Credit Unions

About Our Lakewood, Colorado CD Rate Database

MonitorBankRates tracks 860 CD rates from 34 banks and 49 credit unions with locations in Lakewood, 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: Bellco Credit Union offers a CD at 4.10% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Lakewood, Colorado.

How to Find the Best CD Rates in Lakewood, Colorado

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

To find the best APYs in Lakewood, Colorado, start with credit unions and online-only banks: Lakewood, Colorado has 49 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 Lakewood, 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 Lakewood, Colorado: 83 institutions here report CD rates

Consider an Alternative If…

Lakewood, Colorado Financial Snapshot

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

Population 65+
17.9%
National avg: 17.3%
Median Individual Earnings
$51,713
National avg: $47,340
Poverty Rate
9.2%
National avg: 11.1%
Unemployment Rate
4.5%
National avg: 4.8%
CD Earnings on 10% of Salary
$152/yr
At CO 12-mo avg 2.942% APY

17.9% of residents are 65 or older, in line with the national average of 17.3%. At today’s CO 12-month CD average of 2.942%, saving 10% of the local median salary ($5,171/year) and putting it in a CD would earn an additional $152 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 Lakewood, 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 Lakewood, 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 Lakewood, 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 Lakewood, Colorado as everywhere in the U.S.

Choosing a CD Term in Lakewood, 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 Lakewood, Colorado savers easier access to their funds. For example, Bellco Credit Union is offering its 6 Month Business CDs at 3.85% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Bellco Credit Union is offering its 60 Month Business CDs at 4.10% 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 Lakewood, 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 Lakewood, 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 Lakewood, 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 Lakewood, 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 Lakewood, Colorado

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

Are CD rates in Lakewood, Colorado FDIC insured?

Yes, most established banks in Lakewood, 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 Lakewood, 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 Lakewood, 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 Lakewood, 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 Lakewood, Colorado?

Here are recent top rates found for this area:
  • Bellco Credit Union: 4.10% APY (60 Month Business CDs)
  • UMB Bank: 3.85% APY (3-MONTH TIME DEPOSIT ACCOUNT)
  • Credit Union Of Colorado: 3.80% APY (1 Year Certificate)
  • Academy Bank: 3.75% APY (12 Month Certificate of Deposit)
  • Credit Union Of Denver: 3.65% APY (6 Month Certificate)
  • Foothills Credit Union: 3.65% APY (6 Month Certificate)
  • ANB Bank: 3.51% APY (60 Month Certificate)
  • Westerra Credit Union: 1.85% APY (3 Month Certificate of Deposit (CD))
  • Wells Fargo: 1.51% APY (1 year Standard Fixed Rate CD - Relationship)
  • BOK Financial: 1.50% APY (1 Year IRA CDs)
Rates reflect recent verified offers available in Lakewood, Colorado. Last Updated: September 28, 2026

Lakewood, 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 Lakewood, 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
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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 Lakewood, Colorado CD Rates by Term

Verified September 28, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Lakewood, Colorado. Averages shown use the Colorado state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Lakewood, Colorado

Lakewood, Colorado CD Calculator

At today’s CO top rate of 4.10% APY, a $10,000 deposit earns $410 in the first year. Enter your amount to see your exact return.

Lakewood, Colorado CD Ladder

CO CD rates currently range from 2.076% (3-month) to 2.757% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Lakewood, Colorado CD at 4.10% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Colorado’s average 12-month CD is 2.942% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Lakewood, 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 Lakewood, 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 Lakewood, 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: September 28, 2026

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