Montrose, Colorado CD Rates Today - Compare Best APYs for May 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
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.
Read Full Bio →
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.
Current Montrose, Colorado CD rates include 5Star Bank5Star BankA+5.0 ★Texas Ratio: 0.13%Real return: +1.40%APY minus CPI (February 2026) offering 60 Month Variable IRA at 4.20% APY, Clean Energy Federal Credit UnionClean Energy Federal Credit UnionA+5.0 ★Texas Ratio: 2.12%Real return: +1.38%APY minus CPI (February 2026) offering IRA Certificate of Deposit (CD) 6 months at 4.18% APY, United Fidelity BankUnited Fidelity BankA+5.0 ★Texas Ratio: 0.81%Real return: +1.35%APY minus CPI (February 2026) offering 6-Month CD Term at 4.15% APY, Options Credit UnionOptions Credit UnionA+5.0 ★Texas Ratio: 2.04%Real return: +1.30%APY minus CPI (February 2026) offering Certificates (CD) 60 Months Premier at 4.10% APY, and The Dolores State BankThe Dolores State BankA+5.0 ★Texas Ratio: 3.67%Real return: +1.26%APY minus CPI (February 2026) offering 6 Month Certificate of Deposit at 4.06% APY. CD rates as of May 30, 2026 according to verified data from MonitorBankRates.
Montrose is a smaller community with no bank or credit union branches currently in our database. 611 institutions serving the Colorado area are available to Montrose residents, with CD rates as high as 4.20% APY from 5Star Bank. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: May 30, 2026
Compare Best CD Rates in Montrose, Colorado & the Surrounding Area
Montrose 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
3 Month CD
$5,000
3.50%
▼
Rate3.44%
Min Deposit$5,000
Min Balance—
UpdatedMay 21, 2026
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.90%
Share Certificates 3-Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
North Valley Bank Thornton, CO
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month CD
$1,000
3.44%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
Rate3.36%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
3 Months
$100
3.30%
▼
Rate3.25%
Min Deposit$100
Min Balance—
UpdatedMay 20, 2026
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Certificates of Deposit (CD) 3 Months
$100
3.30%
▼
Rate3.25%
Min Deposit$100
Min Balance—
UpdatedMay 20, 2026
Details
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
3 Month Certificates of Deposit
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
3-Month IRA Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
3-Month Share Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
3 month CD
$500
3.19%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Grand Valley Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
3 Months Time Certificates of Deposit
$500
3.10%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
.25% bonus for Star and Senior Accounts!
Rate3.06%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Business CDs 3 Months
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
Share Certificates to $9,999.99 3 Month
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$500
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
Share Certificates to $49,999.99 3 Month
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$25,000
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
Share Certificates to $24,999.99 3 Month
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$10,000
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
Share Certificates 3 Month
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$50,000+
Integrity Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 8.24%
3 Month Certificate of Deposit
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Integrity Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 8.24%
3 Month Certificates of Deposit
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
3 Month Certificate
$500
2.50%
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Foothills Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.24%
3 Month Certificate of Deposit
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Delta County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
3 Month Share Certificates/CD's
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
(youth members only)
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Rate1.89%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
3 Month IRA Certificates
$0
1.85%
▼
Rate1.83%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
Traditional Certificate of Deposit (CD) 90 Day
$10,000
1.80%
▼
Rate1.79%
Min Deposit$10,000
Min Balance—
UpdatedMay 23, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
Traditional Certificate of Deposit (CD) 90 Day
$500
1.70%
▼
Rate1.69%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
Traditional Certificate of Deposit (CD) 90 Day Add-on Certificate
$500
1.70%
▼
Rate1.69%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
3 Month Certificates - Traditional
$0
1.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
FirstOak Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Months Certificate of Deposit
$0
0.55%
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
The District Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
3 Month Regular Term Certificate
$500
0.10%
▼
Rate0.10%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Montrose 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
IRA Certificate of Deposit (CD) 6 months
$100,000
4.18%
▼
Rate4.10%
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
$100,000
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
6-Month CD Term
$1,000
4.15%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Rates subject to change
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
6 Month Certificate of Deposit
$1,000
4.06%
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
6 Month Certificates of Deposit
$1,000
4.06%
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
6 Month Share Certificates
$50,000
3.91%
▼
Rate3.85%
Min Deposit$50,000
Min Balance—
UpdatedMay 18, 2026
Details
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
6 Month Youth CD Share Certificates
$50,000
3.91%
▼
Rate3.85%
Min Deposit$50,000
Min Balance—
UpdatedMay 18, 2026
Details
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
6 Month CD
$5,000
3.90%
▼
Rate3.83%
Min Deposit$5,000
Min Balance—
UpdatedMay 21, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
6 Months Certificate
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Business CDs 6 Months
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.90%
Share Certificates 6-Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
6-Month CD
$1,000
3.80%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
6 Month Share Certificates
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
6 Month Youth CD Share Certificates
$50
3.80%
▼
Rate3.75%
Min Deposit$50
Min Balance—
UpdatedMay 18, 2026
Details
North Valley Bank Thornton, CO
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$1,000
3.79%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
6 months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
6-Month Share Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
6-Month IRA Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.72%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
6-Months Certificate
$1,000
3.72%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
Share & IRA Certificates 6 Month Term
$0
3.72%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
6 month CD
$100,000
3.70%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
6 months
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
6 Months Certificate of Deposit
$500
3.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
Certificate of Deposit 6-Months
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
6 Month Certificates - Traditional
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Foothills Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.24%
6 Month Certificate of Deposit
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
6 Month Certificates of Deposit
$500
3.65%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
Share Certificates 6 Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$50,000+
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
Share Certificates to $24,999.99 6 Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$10,000
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
Share Certificates to $49,999.99 6 Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$25,000
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
Share Certificates to $9,999.99 6 Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$500
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
6 Month Certificate
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
6 Months*
$100
3.60%
▼
Rate3.54%
Min Deposit$100
Min Balance—
UpdatedMay 20, 2026
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Certificates of Deposit (CD) 6 Months
$100
3.60%
▼
Rate3.54%
Min Deposit$100
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
6 Month Bonus Certificates
$40,000
3.60%
▼
Rate3.55%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
6 months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
traditional ira 6 Months
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
Business 6 Month CD
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
6 Months Term certificates
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Member Merits (Gold1) 6 Month Certificate of Deposit
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
6 Month Certificate of Deposit (IRA)
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
6 Month Certificates
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Montrose 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
IRA Certificate of Deposit (CD) 1 year
$100,000
4.07%
▼
Rate4.00%
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
$100,000
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
Jumbo Certificates of Deposit & Greater 1 Year
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
$100,000
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
Jumbo Certificates of Deposit 1 Year
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
12 Month CD
$5,000
4.00%
▼
Rate3.92%
Min Deposit$5,000
Min Balance—
UpdatedMay 21, 2026
Details
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1 year
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
1 Year Share Certificates
$50,000
3.86%
▼
Rate3.80%
Min Deposit$50,000
Min Balance—
UpdatedMay 18, 2026
Details
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
1 Year Youth CD Share Certificates
$50,000
3.86%
▼
Rate3.80%
Min Deposit$50,000
Min Balance—
UpdatedMay 18, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 12 Month
$0
3.84%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
12-Month Bonus Certificate
$0
3.84%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
12 Month Bonus Certificates
$40,000
3.84%
▼
Rate3.78%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
1 Year Certificate of Deposit
$1,000
3.80%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
1 Year Certificates of Deposit
$1,000
3.80%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
12 Month Certificates of Deposit
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
IRA / ROTH / Educational / CD's 12 Month
$1,000
3.80%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1 year
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
1 Year Youth CD Share Certificates
$50
3.75%
▼
Rate3.70%
Min Deposit$50
Min Balance—
UpdatedMay 18, 2026
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
12 Months
$100
3.75%
▼
Rate3.69%
Min Deposit$100
Min Balance—
UpdatedMay 20, 2026
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
12-Month Share Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
12-Month IRA Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Certificates of Deposit (CD) 12 Months
$100
3.75%
▼
Rate3.69%
Min Deposit$100
Min Balance—
UpdatedMay 20, 2026
Details
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
1 Year Share Certificates
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.90%
Share Certificates 12-Month Jumbo
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.90%
Share Certificates 12-Month
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.90%
IRA Certificates (Traditional & Roth) 1 Year
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
12-Month CD
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
12 Months Certificate of Deposit
$100,000
3.70%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
12 Months Certificate
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Business CDs 12 Months
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Youth CD 12 Months
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
12 Month Certificates
$0
3.69%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
IRA Certificates 12 Month
$0
3.69%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
YOUth Boost 12-Month Certificates
$0
3.69%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1 year
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
North Valley Bank Thornton, CO
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 Year CD
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
12 Months Term certificates
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
Business 12 Month CD
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
traditional ira 12 Months
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
Youth 12 Month certificates
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
12 month CD
$100,000
3.60%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
Share Certificates to $9,999.99 12 Month
$0
3.60%
▼
Rate3.57%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$500
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
Share Certificates to $49,999.99 12 Month
$0
3.60%
▼
Rate3.57%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$25,000
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
Share Certificates to $24,999.99 12 Month
$0
3.60%
▼
Rate3.57%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$10,000
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
Share Certificates 12 Month
$0
3.60%
▼
Rate3.57%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$50,000+
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
IRA Share Certificates to $9,999.99 12 Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$500
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
IRA Share Certificates to $49,999.99 12 Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$25,000
Montrose 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
18 Month CD
$5,000
3.85%
▼
Rate3.78%
Min Deposit$5,000
Min Balance—
UpdatedMay 21, 2026
Details
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
18 month CD
$100,000
3.60%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
18 Month Certificate of Deposit
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
18 Month IRA Certificates
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
18 Month Certificate of Deposit
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
18 Month Certificates of Deposit
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
Share and IRA Certificates 18 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Foothills Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.24%
18 Month Certificate of Deposit
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Credit Union of The Rockies
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
18 Month
$500
3.50%
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
Certificates (CD) 18 Months Premier
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Northern Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
18 MONTH IRA CERT
$1,000
3.35%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Sterling Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
18 month Share Certificates / CDs
$1,000
3.35%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Sterling Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
IRA Certificates / CDs 18 month
$1,000
3.35%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
18 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Member Merits (Gold1) 18 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
18 month CD
$50,000
3.29%
▼
Rate3.25%
Min Deposit$50,000
Min Balance—
UpdatedMay 17, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
18 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
IRA Share Certificates 18 Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$50,000+
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
IRA Share Certificates to $24,999.99 18 Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$10,000
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
IRA Share Certificates to $49,999.99 18 Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$25,000
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
IRA Share Certificates to $9,999.99 18 Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$500
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
IRA / ROTH / Educational / CD's 18 Month
$1,000
3.24%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
18 Month Certificates of Deposit
$500
3.24%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
18 month CD
$10,000
3.24%
▼
Rate3.20%
Min Deposit$10,000
Min Balance—
UpdatedMay 17, 2026
Details
Integrity Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 8.24%
18 Month Certificate of Deposit
$0
3.19%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Integrity Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 8.24%
18 Month Certificates of Deposit
$0
3.19%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
Certificates (CD) 18 Months Advantage
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
18-Month Certificate of Deposit
$500
3.10%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
18 Month Term Certificates
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Peoples Credit Union Springfield, CO
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
18 Month Certificate of Deposit
$100
3.07%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMay 20, 2026
Details
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
Certificates (CD) 18 Months Core
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate2.87%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
Traditional Certificate of Deposit (CD) 18 Month
$10,000
2.80%
▼
Rate2.77%
Min Deposit$10,000
Min Balance—
UpdatedMay 23, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
Traditional Certificate of Deposit (CD) 18 Month
$500
2.70%
▼
Rate2.67%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
18 Month Certificate
$500
2.50%
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Rate2.42%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Smart Move 18 Month CD
$0
2.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
The District Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
18 Month Regular Term Certificate
$500
2.05%
▼
Rate2.03%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Delta County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
18 Month Share Certificates/CD's
$0
1.76%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
FirstOak Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Months Certificate of Deposit
$0
0.70%
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
First National Bank in Trinidad
Institution Rating:
B+4.8 ★Texas Ratio: 17.17%
18 Month CD
$1,000
0.60%
▼
Rate0.60%
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
On Deposits up to $100,000
First National Bank in Trinidad
Institution Rating:
B+4.8 ★Texas Ratio: 17.17%
IRA Fixed Rate 18 Month CD
$5,000
0.60%
▼
Rate0.60%
Min Deposit$5,000
Min Balance—
UpdatedMay 28, 2026
Details
On Deposits up to $100,000
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Montrose 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rate4.00%
Min Deposit$250
Min Balance—
UpdatedMay 17, 2026
Details
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
IRA Certificate of Deposit (CD) 2 years
$100,000
3.92%
▼
Rate3.85%
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
$100,000
Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
Certificates (CD) 24 Months Premier
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
2 years
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
24 Month CD
$5,000
3.80%
▼
Rate3.73%
Min Deposit$5,000
Min Balance—
UpdatedMay 21, 2026
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
Jumbo Certificates of Deposit & Greater 2 Year
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
$100,000
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
Jumbo Certificates of Deposit 2 Year
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
traditional ira 24 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
24 Months Term certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
24 Month Bonus Certificates
$40,000
3.75%
▼
Rate3.69%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
24-Month CD
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
2 years
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
Certificates (CD) 24 Months Advantage
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
2 years
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
2 Years Share Certificates
$50,000
3.60%
▼
Rate3.55%
Min Deposit$50,000
Min Balance—
UpdatedMay 18, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Business CDs 24 Months
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
IRA Certificates 24 Month
$0
3.59%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
24 Month Certificates
$0
3.59%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
2 Years Certificate of Deposit
$500
3.57%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
2 Years IRA Certificates
$500
3.57%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
2 Year Certificate of Deposit
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
2 Year Certificates of Deposit
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.90%
IRA Certificates (Traditional & Roth) 2 Year
$1,000
3.55%
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.90%
Share Certificates 24-Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
Share & IRA Certificates 24 Month Term
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
IRA / ROTH / Educational / CD's 24 Month
$1,000
3.50%
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
24 month CD
$100,000
3.50%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
24-Month Share Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
24-Month IRA Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
Share and IRA Certificates 24 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
24 Month Certificates of Deposit
$500
3.50%
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Credit Union of The Rockies
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
24 Month
$500
3.50%
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
2 Years Share Certificates
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
24 Months Certificate of Deposit
$100,000
3.50%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
North Valley Bank Thornton, CO
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Year CD
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
Foothills Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.24%
24 Month Certificate of Deposit
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Coloramo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.23%
24-Month Certificate
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
24 Months
$100
3.40%
▼
Rate3.35%
Min Deposit$100
Min Balance—
UpdatedMay 20, 2026
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Certificates of Deposit (CD) 24 Months
$100
3.40%
▼
Rate3.35%
Min Deposit$100
Min Balance—
UpdatedMay 20, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Smart Move 24 Month CD
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
Certificates (CD) 24 Months Core
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
24 Months Certificate of Deposit
$500
3.40%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
24 Month Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Montrose 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rate4.01%
Min Deposit$250
Min Balance—
UpdatedMay 17, 2026
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
36 Months Term certificates
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
traditional ira 36 Months
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
Certificates (CD) 36 Months Premier
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
3 Years Certificate of Deposit
$500
3.83%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
Jumbo Certificates of Deposit & Greater 3 Year
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
$100,000
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
Jumbo Certificates of Deposit 3 Year
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
36 Month CD
$5,000
3.75%
▼
Rate3.68%
Min Deposit$5,000
Min Balance—
UpdatedMay 21, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 36 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
36 Month Bonus Certificates
$40,000
3.71%
▼
Rate3.65%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
36 Months**
$100,000
3.65%
▼
Rate3.59%
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Certificates of Deposit (CD) 36 Months
$100,000
3.65%
▼
Rate3.59%
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
Share & IRA Certificates 36 Month Term
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
Certificates (CD) 36 Months Advantage
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Credit Union of The Rockies
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
36 Month
$500
3.60%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
3 Year Certificate of Deposit
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
3 Year Certificates of Deposit
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
36 Month Certificates
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
IRA Certificates 36 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
36 month CD
$100,000
3.50%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
Share and IRA Certificates 36 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.90%
Share Certificates 36-Month
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.90%
Share Certificates 36-Month Jumbo
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.90%
IRA Certificates (Traditional & Roth) 3 Year
$1,000
3.45%
▼
Rate3.39%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Business CDs 36 Months
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Coloramo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.23%
36-Month Certificate
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Certificates of Deposit (CD) 36 Months
$100
3.40%
▼
Rate3.35%
Min Deposit$100
Min Balance—
UpdatedMay 20, 2026
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
36 Months**
$100
3.40%
▼
Rate3.35%
Min Deposit$100
Min Balance—
UpdatedMay 20, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
36-Month Share Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
36-Month IRA Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
36 Month Certificates - Traditional
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
36 Month Certificate
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
36 Months Certificate of Deposit
$100,000
3.40%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
IRA Certificate of Deposit (CD) 3 years
$100,000
3.40%
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
$100,000
Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
Certificates (CD) 36 Months Core
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Foothills Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.24%
36 Month Certificate of Deposit
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3 years
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
36 Months Certificate of Deposit
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
36 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Member Merits (Gold1) 36 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
3 Years Share Certificates
$50,000
3.30%
▼
Rate3.26%
Min Deposit$50,000
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
36 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
North Valley Bank Thornton, CO
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Year CD
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
IRA / ROTH / Educational / CD's 36 Month
$1,000
3.23%
▼
Rate3.19%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Montrose 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
48 Months Term certificates
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
traditional ira 48 Months
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
Certificates (CD) 48 Months Premier
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
4 Years Certificate of Deposit
$500
3.83%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
Jumbo Certificates of Deposit & Greater 4 Year
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
$100,000
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
Jumbo Certificates of Deposit 4 Year
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
48 Month Bonus Certificates
$40,000
3.76%
▼
Rate3.70%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
48 Months**
$100,000
3.70%
▼
Rate3.64%
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Certificates of Deposit (CD) 48 Months
$100,000
3.70%
▼
Rate3.64%
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
Share & IRA Certificates 48 Month Term
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
48 Month Certificates
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
IRA Certificates 48 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
Certificates (CD) 48 Months Advantage
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Credit Union of The Rockies
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
48 Month
$500
3.60%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
4 Year Certificates of Deposit
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
4 Year Certificate of Deposit
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
Share and IRA Certificates 48 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
48 month CD
$100,000
3.50%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
48 Month Certificate
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
48 Month Certificates - Traditional
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
48 Months**
$100
3.45%
▼
Rate3.40%
Min Deposit$100
Min Balance—
UpdatedMay 20, 2026
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Certificates of Deposit (CD) 48 Months
$100
3.45%
▼
Rate3.40%
Min Deposit$100
Min Balance—
UpdatedMay 20, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
48 Months Certificate of Deposit
$100,000
3.35%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
Certificates (CD) 48 Months Core
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
48 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Member Merits (Gold1) 48 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
4 Years Share Certificates
$50,000
3.30%
▼
Rate3.26%
Min Deposit$50,000
Min Balance—
UpdatedMay 18, 2026
Details
Foothills Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.24%
48 Month Certificate of Deposit
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
48-Month IRA Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
48-Month Share Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Weld Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
48 Month CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
48 Months Certificate of Deposit
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
48 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
IRA 48 Month CD
$0
3.20%
▼
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
4 Years Share Certificates
$500
3.20%
▼
Rate3.16%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
48 Month Certificates of Deposit
$2,500
3.19%
▼
Rate3.15%
Min Deposit$2,500
Min Balance—
UpdatedMay 20, 2026
Details
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
IRA / ROTH / Educational / CD's 48 Month
$2,000
3.19%
▼
Rate3.15%
Min Deposit$2,000
Min Balance—
UpdatedMay 20, 2026
Details
Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
48 month CD
$50,000
3.14%
▼
Rate3.10%
Min Deposit$50,000
Min Balance—
UpdatedMay 17, 2026
Details
Grand Valley Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
48 Months Time Certificates of Deposit
$500
3.10%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
.25% bonus for Star and Senior Accounts!
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
48 Month Term Certificates
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Northern Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
48 MONTH IRA CERT
$1,000
3.10%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
48 month CD
$10,000
3.08%
▼
Rate3.05%
Min Deposit$10,000
Min Balance—
UpdatedMay 17, 2026
Details
Montrose 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rate4.12%
Min Deposit$250
Min Balance—
UpdatedMay 17, 2026
Details
Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
Certificates (CD) 60 Months Premier
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
60 Months Term certificates
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
traditional ira 60 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
Certificates (CD) 60 Months Advantage
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
5 Years Certificate of Deposit
$500
3.83%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
5 Years IRA Certificates
$500
3.83%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
Jumbo Certificates of Deposit & Greater 5 Year
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
$100,000
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
Jumbo Certificates of Deposit 5 Year
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
60 Month Bonus Certificates
$40,000
3.76%
▼
Rate3.70%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
60 Months**
$100,000
3.70%
▼
Rate3.64%
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Certificates of Deposit (CD) 60 Months
$100,000
3.70%
▼
Rate3.64%
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
60 Month CD
$5,000
3.60%
▼
Rate3.54%
Min Deposit$5,000
Min Balance—
UpdatedMay 21, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
60 Month Certificates
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
IRA Certificates 60 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
Certificates (CD) 60 Months Core
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Credit Union of The Rockies
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
60 Month
$500
3.60%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
60 month CD
$100,000
3.60%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
5 Year Certificates of Deposit
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
5 Year Certificate of Deposit
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
Share and IRA Certificates 60 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
60 Month Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
60 Month Certificates - Traditional
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.90%
IRA Certificates (Traditional & Roth) 5 Year
$1,000
3.45%
▼
Rate3.39%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
60 Months**
$100
3.45%
▼
Rate3.40%
Min Deposit$100
Min Balance—
UpdatedMay 20, 2026
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Certificates of Deposit (CD) 60 Months
$100
3.45%
▼
Rate3.40%
Min Deposit$100
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Business CDs 60 Months
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
60 Months Certificate of Deposit
$100,000
3.30%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
60 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Member Merits (Gold1) 60 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
5 Years Share Certificates
$50,000
3.30%
▼
Rate3.26%
Min Deposit$50,000
Min Balance—
UpdatedMay 18, 2026
Details
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
60 Month Certificates of Deposit
$2,500
3.29%
▼
Rate3.25%
Min Deposit$2,500
Min Balance—
UpdatedMay 20, 2026
Details
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
IRA / ROTH / Educational / CD's 60 Month
$2,000
3.29%
▼
Rate3.25%
Min Deposit$2,000
Min Balance—
UpdatedMay 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
60 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Foothills Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.24%
60 Month Certificate of Deposit
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
5 Years Share Certificates
$500
3.20%
▼
Rate3.16%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
Northern Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
60 MONTH IRA CERT
$1,000
3.20%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
60 Months Certificate of Deposit
$500
3.20%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
IRA 60 Month CD
$0
3.20%
▼
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
60 Month Variable Rate Certificate1 Certificate of Deposit (IRA)
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Member Merits (Gold1) 60 Month Variable Rate Certificate 1
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
60-Month Certificate
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Powered by
MonitorBankRates
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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
What Is a Certificate of Deposit?
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 agreeing to leave the money untouched until the term ends, the depositor 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.
CD Terms
The term is the length of time the money is committed to the CD before it matures. Shorter terms such as three or six months offer easier access to funds, while longer terms such as three or five years usually pay higher rates. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term.
CD Risk
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. 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 Interest Is Paid
Interest on a CD is calculated using the annual percentage yield, 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 balance to compound. Comparing CDs by APY rather than the nominal rate gives the truest picture of total earnings.
Fixed vs. Variable Rates
Most CDs carry a fixed rate that is locked for the entire term, protecting the 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 market conditions improve. Which is better depends on the direction the depositor expects rates to move.
Montrose, CO CD Rate Trends
Compare local Montrose, CO CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — CO Avg
3.403%
▼ 0.015 vs 7 days ago
Colorado 12-month CD rates fell 0.015 points over the past 7 days to 3.403% APY.
6-Month CD — CO Avg
3.232%
▼ 0.087 vs 7 days ago
Colorado 6-month CD rates fell 0.087 points over the past 7 days to 3.232% APY.
As of May 30, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
CO CD Rate Forecast — Next 12 Months
Where are Colorado CD rates headed through May 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
CO 12-Month Avg APY
3.403%
6-Month Forecast
3.403%
Range: 3.20% – 3.55%
12-Month Forecast
3.153%
Range: 2.95% – 3.30%
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 | 2.503% | $125.14 | $250.27 | $625.68 | $1,251.35 |
| 6-Month CD | 3.232% | $161.59 | $323.18 | $807.95 | $1,615.90 |
| 12-Month CD | 3.403% | $170.14 | $340.28 | $850.70 | $1,701.40 |
| 18-Month CD | 2.829% | $141.45 | $282.89 | $707.23 | $1,414.45 |
| 24-Month CD | 3.136% | $156.81 | $313.61 | $784.03 | $1,568.05 |
| 36-Month CD | 3.060% | $152.99 | $305.98 | $764.95 | $1,529.90 |
| 48-Month CD | 3.031% | $151.57 | $303.14 | $757.85 | $1,515.70 |
| 60-Month CD | 3.111% | $155.56 | $311.12 | $777.80 | $1,555.60 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 30, 2026. | |||||
Sample CD Ladder for Montrose, 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 | 2.503% | $125.14 |
| 2 | 6-Month CD | $5,000 | 3.232% | $161.59 |
| 3 | 12-Month CD | $5,000 | 3.403% | $170.14 |
| 4 | 24-Month CD | $5,000 | 3.136% | $156.81 |
| 5 | 36-Month CD | $5,000 | 3.060% | $152.99 |
| Total ($25,000 invested) | $25,000 | 3.067% blended | $766.67/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.
506
CD Rates
Tracked in Montrose, Colorado
Tracked in Montrose, Colorado
19 Banks
35 Credit Unions
About Our Montrose, Colorado CD Rate Database
MonitorBankRates tracks 506 CD rates from 19 banks and 35 credit unions with locations in Montrose, 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: 5Star Bank offers a CD at 4.20% APY with a minimum deposit of $250. Use the rate table above to compare all current offers in Montrose, Colorado.
How to Find the Best CD Rates in Montrose, Colorado
What to compare when shopping for a CD in Montrose, Colorado
To find the best APYs in Montrose, Colorado, start with credit unions and online-only banks — Montrose, Colorado has 35 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 Montrose, 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 Montrose, Colorado — 54 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Montrose, Colorado savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Montrose, Colorado money market rates
Montrose, Colorado Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
27.7%
National avg: 17.3%
Median Individual Earnings
$36,293
National avg: $47,340
Poverty Rate
11.6%
National avg: 11.1%
Unemployment Rate
4.9%
National avg: 4.8%
CD Earnings on 10% of Salary
$123/yr
At CO 12-mo avg 3.403% APY
27.7% of residents are 65 or older — above the national average of 17.3% — making fixed-rate CDs a particularly relevant savings vehicle in this market. At today’s CO 12-month CD average of 3.403%, saving 10% of the local median salary ($3,629/year) and putting it in a CD would earn an additional $123 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 Montrose, Colorado
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in Montrose, Colorado
Are CD rates in Montrose, Colorado FDIC insured?
Yes, most established banks in Montrose, 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 Montrose, 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 Montrose, 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 Montrose, 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 Montrose, Colorado?
Here are recent top rates found for this area:
- 5Star Bank: 4.20% APY (60 Month Variable IRA)
- Clean Energy Federal Credit Union: 4.18% APY (IRA Certificate of Deposit (CD) 6 months)
- United Fidelity Bank: 4.15% APY (6-Month CD Term)
- Options Credit Union: 4.10% APY (Certificates (CD) 60 Months Premier)
- The Dolores State Bank: 4.06% APY (6 Month Certificate of Deposit)
- On Tap Credit Union: 4.00% APY (roth ira 60 Months)
- Colorado Federal Savings Bank: 4.00% APY (12 Month CD)
- Power Credit Union: 3.91% APY (6 Month Share Certificates)
- Bellco Credit Union: 3.90% APY (6 Months)
- Westminster Federal Credit Union: 3.85% APY (Share Certificates 6-Month)
Rates reflect recent verified offers available in Montrose, Colorado. Last Updated: May 30, 2026
CD Calculators for Montrose, Colorado
Montrose, Colorado CD Calculator
At today’s CO top rate of 4.20% APY, a $10,000 deposit earns $420 in the first year. Enter your amount to see your exact return.
Montrose, Colorado CD LadderCO CD rates currently range from 2.503% (3-month) to 3.060% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Montrose, Colorado CD at 4.20% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsColorado’s average 12-month CD is 3.403% 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 Montrose, 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 Montrose, 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 Montrose, 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: May 30, 2026
Rate Assistant
MonitorBankRates.com · Live Data
Try asking