Lakewood, Colorado Best CD Rates November 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Lakewood, Colorado CD rates range from 0.01% to 5.12% APY, verified by MonitorBankRates as of November 12, 2026. Current Lakewood, Colorado CD rates include Academy BankAcademy Bank7455 W Colfax Ave, Lakewood, CO 80214A+5.0 ★Texas Ratio: 5.08%Real return: +0.70%APY minus CPIRate verified Nov 11, 2026 offering 18 Month Certificate of Deposit at 4.40% APY, Navy Federal Credit UnionNavy Federal Credit Union2125 S Webster St Ste 101, Lakewood, CO 80227 3871A5.0 ★Texas Ratio: 8.14%Real return: +0.65%APY minus CPIRate verified Nov 11, 2026 offering 12 Month Special EasyStart Certificate at 4.35% APY, Canvas Credit UnionCanvas Credit Union7575 W 5th Ave, Lakewood, CO 80226A5.0 ★Texas Ratio: 9.20%Real return: +0.60%APY minus CPIRate verified Nov 8, 2026 offering 18-Month CD at 4.30% APY, Bellco Credit UnionBellco Credit Union570 S Wadsworth Blvd, Lakewood, CO 80226A5.0 ★Texas Ratio: 9.71%Real return: +0.40%APY minus CPIRate verified Nov 9, 2026 offering 60 Month Business CD at 4.10% APY, and Credit Union Of DenverCredit Union Of Denver9305 W ALAMEDA AVE, LAKEWOOD, CO 80226A+5.0 ★Texas Ratio: 2.33%Real return: +0.30%APY minus CPIRate verified Nov 8, 2026 offering IRA 12 Month Certificate at 4.00% APY. CD rates as of November 12, 2026 according to verified data from MonitorBankRates.
Lakewood has 288 local institutions in our database, with CD rates as high as 4.40% APY from Academy Bank at 7455 W Colfax Ave, Lakewood, CO 80214. 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: November 12, 2026
Compare Best CD Rates in Lakewood, Colorado & the Surrounding Area
Lakewood 3 Month CD Rates
Balance: under $100k; Limited time special offer; Annual Percentage Yield effective as of 11/10/2026; Restrictions apply; Not available for individual retirement or business accounts; Penalty for early withdrawal
Balance: $1,000 or more
Minimum account balance $500
IRA & Coverdell CDs; $500 minimum account balance
Balance: $500 minimum to earn APY
Balance: $100,000
Balance: $25,000
APY based on minimum account balance of $500
Deposits under $25,000; Account Balance $10,000
Deposits under $25,000; Account Balance $500; Additional deposits of $50.00 or greater allowed
Deposits under $25,000; Account Balance $500
Lakewood 6 Month CD Rates
Includes Traditional and Roth IRA Jumbo CDs
Health Savings Account Certificate of Deposit
Health Savings Account Certificate of Deposit
Youth product; disclosures state under 18 years of age, $50.00 minimum to open and $50 minimum balance
Minimum account balance $500
IRA & Coverdell CDs; $500 minimum account balance
Minimum balance to earn APY $100,000
Minimum Balance to Earn APY; APY marked with asterisk (*)
Balance: $500 minimum to earn APY
Early withdrawal penalty: 90 days of dividends
Lakewood 12 Month CD Rates
- Oct 2, 20264.20%▲ from 3.75%
- Sep 18, 20263.75%first recorded
- Nov 3, 20264.15%▲ from 3.85%
- Oct 22, 20263.85%first recorded
Health Savings Account Certificate of Deposit
- Nov 3, 20264.15%▲ from 3.85%
- Oct 22, 20263.85%first recorded
IRA; Interest compounded & credited quarterly
- Nov 3, 20264.15%▲ from 3.85%
- Oct 22, 20263.85%first recorded
Health Savings Account Certificate of Deposit
- Nov 3, 20264.15%▲ from 3.85%
- Oct 22, 20263.85%first recorded
Balance: $100K minimum; Share, IRA, ESA; Rates as of Nov 10, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Balance: $1K minimum; Share, IRA, ESA; Rates as of Nov 10, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Share, IRA, ESA certificates; Rates as of Nov 10, 2026 ET; Penalties apply for early withdrawals
Balance: $1,000 and over; IRA: Traditional - Roth - Coverdell ESA; Compounds monthly
- Oct 26, 20264.00%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Compounds Monthly
Balance: $100,000
- Nov 3, 20263.90%▲ from 3.80%
- Oct 13, 20263.80%first recorded
Minimum account balance $500
IRA & Coverdell CDs; $500 minimum account balance
Lakewood 18 Month CD Rates
- Oct 2, 20264.40%▲ from 3.10%
- Sep 18, 20263.10%first recorded
- Nov 3, 20264.30%▲ from 3.95%
- Oct 22, 20263.95%first recorded
Health Savings Account Certificate of Deposit
- Nov 3, 20264.30%▲ from 3.95%
- Oct 22, 20263.95%first recorded
IRA; Interest compounded & credited quarterly
- Nov 3, 20264.30%▲ from 3.95%
- Oct 22, 20263.95%first recorded
Health Savings Account Certificate of Deposit
- Nov 3, 20264.30%▲ from 3.95%
- Oct 22, 20263.95%first recorded
Share, IRA, ESA certificates; Rates as of Nov 10, 2026 ET; Penalties apply for early withdrawals
Balance: $100,000
- Nov 3, 20263.65%▲ from 3.15%
- Oct 13, 20263.15%first recorded
Balance: $100K minimum; Share, IRA, ESA; Rates as of Nov 10, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
- Nov 11, 20263.60%▼ from 4.15%
- Oct 20, 20264.15%first recorded
Includes Traditional and Roth IRA Jumbo CDs
Balance: $1K minimum; Share, IRA, ESA; Rates as of Nov 10, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
- Nov 11, 20263.55%▼ from 4.10%
- Oct 20, 20264.10%first recorded
Balance: $25,000
- Nov 3, 20263.55%▲ from 3.05%
- Oct 13, 20263.05%first recorded
Early withdrawal penalty: 90 days of dividends
Lakewood 24 Month CD Rates
- Nov 3, 20264.00%▲ from 3.85%
- Oct 22, 20263.85%first recorded
Health Savings Account Certificate of Deposit
- Nov 3, 20264.00%▲ from 3.85%
- Oct 22, 20263.85%first recorded
IRA; Interest compounded & credited quarterly
- Nov 3, 20264.00%▲ from 3.85%
- Oct 22, 20263.85%first recorded
Health Savings Account Certificate of Deposit
- Nov 3, 20264.00%▲ from 3.85%
- Oct 22, 20263.85%first recorded
Minimum account balance $500
IRA & Coverdell CDs; $500 minimum account balance
Balance: $500 minimum to earn APY
Balance: $100K minimum; Share, IRA, ESA; Rates as of Nov 10, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Balance: $100,000
- Nov 3, 20263.70%▲ from 3.35%
- Oct 13, 20263.35%first recorded
Includes Traditional and Roth IRA Jumbo CDs
Balance: $1K minimum; Share, IRA, ESA; Rates as of Nov 10, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Share, IRA, ESA certificates; Rates as of Nov 10, 2026 ET; Penalties apply for early withdrawals
Lakewood 36 Month CD Rates
Minimum account balance $500
IRA & Coverdell CDs; $500 minimum account balance
Balance: $500 minimum to earn APY
Share, IRA, ESA; $100K Minimum APY; Penalties apply for early withdrawals
- Nov 11, 20263.80%▼ from 4.15%
- Oct 20, 20264.15%first recorded
Balance: $100,000
- Nov 3, 20263.80%▲ from 3.40%
- Oct 13, 20263.40%first recorded
Share, IRA, ESA; $1K Minimum APY; Penalties apply for early withdrawals
- Nov 11, 20263.75%▼ from 4.10%
- Oct 20, 20264.10%first recorded
- Nov 3, 20263.75%▲ from 3.60%
- Oct 22, 20263.60%first recorded
Health Savings Account Certificate of Deposit
- Nov 3, 20263.75%▲ from 3.60%
- Oct 22, 20263.60%first recorded
IRA; Interest compounded & credited quarterly
- Nov 3, 20263.75%▲ from 3.60%
- Oct 22, 20263.60%first recorded
Health Savings Account Certificate of Deposit
- Nov 3, 20263.75%▲ from 3.60%
- Oct 22, 20263.60%first recorded
Balance: $1,000 or more
Balance: $25,000
- Nov 3, 20263.70%▲ from 3.30%
- Oct 13, 20263.30%first recorded
Lakewood 48 Month CD Rates
Balance: $1,000 or more
Balance: $100,000
- Nov 3, 20263.80%▲ from 3.40%
- Oct 13, 20263.40%first recorded
Balance: $25,000
- Nov 3, 20263.70%▲ from 3.30%
- Oct 13, 20263.30%first recorded
Deposits under $25,000; Account Balance $10,000
- Nov 3, 20263.60%▲ from 3.20%
- Sep 14, 20263.20%first recorded
- Oct 2, 20263.51%▲ from 3.03%
- Sep 18, 20263.03%first recorded
Deposits under $25,000; Account Balance $500
- Nov 3, 20263.51%▲ from 3.10%
- Sep 14, 20263.10%first recorded
- Nov 3, 20263.50%▲ from 3.45%
- Oct 22, 20263.45%first recorded
Health Savings Account Certificate of Deposit
- Nov 3, 20263.50%▲ from 3.45%
- Oct 22, 20263.45%first recorded
IRA; Interest compounded & credited quarterly
- Nov 3, 20263.50%▲ from 3.45%
- Oct 22, 20263.45%first recorded
Health Savings Account Certificate of Deposit
- Nov 3, 20263.50%▲ from 3.45%
- Oct 22, 20263.45%first recorded
Balance: $1,000 and over; IRA: Traditional - Roth - Coverdell ESA; Compounds monthly
Compounds Monthly
Includes Traditional and Roth IRA Jumbo CDs
Lakewood 60 Month CD Rates
Minimum account balance $500
IRA & Coverdell CDs; $500 minimum account balance
Balance: $500 minimum to earn APY
Share, IRA, ESA; $100K Minimum APY; Penalties apply for early withdrawals
Balance: $1,000 or more
Share, IRA, ESA; $1K Minimum APY; Penalties apply for early withdrawals
Balance: $100,000
- Nov 3, 20263.85%▲ from 3.45%
- Oct 13, 20263.45%first recorded
Balance: $25,000
- Nov 3, 20263.75%▲ from 3.35%
- Oct 13, 20263.35%first recorded
Deposits under $25,000; Account Balance $10,000
- Nov 3, 20263.65%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Deposits under $25,000; Account Balance $500
- Nov 3, 20263.55%▲ from 3.15%
- Sep 14, 20263.15%first recorded
- Oct 2, 20263.51%▲ from 3.03%
- Sep 18, 20263.03%first recorded
Balance: $1,000 and over; IRA: Traditional - Roth - Coverdell ESA; Compounds monthly
Compounds Monthly
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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.
Colorado 12-month CD rates fell 0.002 points over the past 7 days to 3.327% APY.
Colorado 6-month CD rates currently average 3.287% APY based on data from institutions in our monitoring network.
CO CD Rate Forecast, Next 12 Months
Where are Colorado CD rates headed through November 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
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 | 2.477% | $123.86 | $247.72 | $619.30 | $1,238.60 |
| 6-Month CD | 3.287% | $164.36 | $328.71 | $821.78 | $1,643.55 |
| 12-Month CD | 3.327% | $166.36 | $332.71 | $831.78 | $1,663.55 |
| 18-Month CD | 3.192% | $159.61 | $319.21 | $798.03 | $1,596.05 |
| 24-Month CD | 3.145% | $157.27 | $314.54 | $786.35 | $1,572.70 |
| 36-Month CD | 3.129% | $156.47 | $312.94 | $782.35 | $1,564.70 |
| 48-Month CD | 3.021% | $151.06 | $302.12 | $755.30 | $1,510.60 |
| 60-Month CD | 3.182% | $159.09 | $318.18 | $795.45 | $1,590.90 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of November 12, 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.
| Rung | Term | Deposit | CO Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.477% | $123.86 |
| 2 | 6-Month CD | $5,000 | 3.287% | $164.36 |
| 3 | 12-Month CD | $5,000 | 3.327% | $166.36 |
| 4 | 24-Month CD | $5,000 | 3.145% | $157.27 |
| 5 | 36-Month CD | $5,000 | 3.129% | $156.47 |
| Total ($25,000 invested) | $25,000 | 3.073% blended | $768.32/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.
Tracked in Lakewood, Colorado
About Our Lakewood, Colorado CD Rate Database
MonitorBankRates tracks 1,082 CD rates from 39 banks and 52 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 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Academy Bank offers a CD at 4.40% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in 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 52 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: 91 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Lakewood, Colorado savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Lakewood, Colorado money market rates
Lakewood, Colorado Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
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 3.327%, saving 10% of the local median salary ($5,171/year) and putting it in a CD would earn an additional $172 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in 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 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
CD Product Information
How CDs Work
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.
CD Terms
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, Sooper Credit Union is offering its 6 Month Jumbo Business CDs at 3.90% 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 CD 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
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
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
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
What are CD rates in Lakewood, Colorado today?
Are CD rates in Lakewood, Colorado FDIC insured?
Do I have to pay state taxes on CD interest in Lakewood, Colorado?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Lakewood, Colorado?
- Academy Bank: 4.40% APY (18 Month Certificate of Deposit)
- Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
- Canvas Credit Union: 4.30% APY (18-Month CD)
- Bellco Credit Union: 4.10% APY (60 Month Business CD)
- Credit Union Of Denver: 4.00% APY (IRA 12 Month Certificate)
- ANB Bank: 3.90% APY (Certificates of Deposit - 60 Month)
- Credit Union Of Colorado: 3.90% APY (1 Year Traditional Certificate of Deposit (CD))
- Sooper Credit Union: 3.90% APY (6 Month Jumbo Business CDs)
- UMB Bank: 3.85% APY (3-Month Time Deposit Account)
- Foothills Credit Union: 3.65% APY (Certificate of Deposit - 6 Month)
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.
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Lakewood, Colorado
At today’s CO top rate of 4.40% APY, a $10,000 deposit earns $440 in the first year. Enter your amount to see your exact return.
Lakewood, Colorado CD LadderCO CD rates currently range from 2.477% (3-month) to 3.129% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Lakewood, Colorado CD at 4.40% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsColorado’s average 12-month CD is 3.327% 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.
Lakewood, Colorado Rates & Resources
