Niwot, Colorado Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Niwot, Colorado CD rates include 5Star Bank5Star BankA+5.0 ★Texas Ratio: 2.98%Real return: +1.68%APY minus CPI (February 2026) offering 60 Month Variable IRA at 4.48% APY, United Fidelity BankUnited Fidelity BankA+5.0 ★Texas Ratio: 2.56%Real return: +1.60%APY minus CPI (February 2026) offering 12-Month CD at 4.40% APY, Austin Capital BankAustin Capital BankA+5.0 ★Texas Ratio: 2.96%Real return: +1.52%APY minus CPI (February 2026) offering 3 Month CD at 4.32% APY, Bankers Bank of the WestBankers Bank of the WestA5.0 ★Texas Ratio: 6.05%Real return: +1.43%APY minus CPI (February 2026) offering 12 Month Certificate at 4.23% APY, and Colorado Federal Savings BankColorado Federal Savings BankA+5.0 ★Texas Ratio: 3.16%Real return: +1.30%APY minus CPI (February 2026) offering 12 Month CD at 4.10% APY. CD rates as of September 9, 2026 according to verified data from MonitorBankRates.
Niwot is a smaller community with no bank or credit union branches currently in our database. 220 institutions serving the Colorado area are available to Niwot residents, with CD rates as high as 4.48% APY from 5Star Bank. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 9, 2026
Compare Best CD Rates in Niwot, Colorado & the Surrounding Area
Niwot 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month CD
$1,000
4.32%
▲ 2.33% above national avg
▼
Rate4.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 2.33% above avg
Details
APY* Assumes no compounding, interest paid annually or at maturity.
High Plains Bank Flagler, CO
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
3 Month CD
$250
3.70%
▲ 1.71% above national avg
▼
Rate3.63%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 1.71% above avg
Details
** (certificate of deposit)
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
3 Month CD
$5,000
3.65%
▲ 1.66% above national avg
▼
Rate3.59%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 1.66% above avg
Details
Early Withdrawal Penalty: 1 Month of Interest
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
3 Month CD
$0
3.60%
▲ 1.61% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 1.61% above avg
Details
A penalty may be imposed for early withdrawal. Certificate will automatically renew to a fixed rate CD of the equivalent term with the current rate at renewal. The Annual Percentage Yield is current as of August 24, 2026, and is subject to change at any time without notice.
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
3 months
$0
3.50%
▲ 1.51% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 1.51% above avg
Details
North Valley Bank Thornton, CO
Institution Rating:
A5.0 ★Texas Ratio: 13.05%
3 Month CD
$1,000
3.24%
▲ 1.25% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 1.25% above avg
Details
Grand Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
3 Month Certificate
$500
3.10%
▲ 1.11% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 1.11% above avg
Details
0.25% bonus for Star and Senior Accounts!
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Business 90 Day Certificate
$0
3.00%
▲ 1.01% above national avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 1.01% above avg
Details
Integrity Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
3 Month Certificate
$0
2.52%
▲ 0.53% above national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 0.53% above avg
Details
First FarmBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
3 Month Certificate
$1,000
2.50%
▲ 0.51% above national avg
▼
Rate2.48%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 0.51% above avg
Details
San Luis Valley Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
3 Month Certificate
$0
2.29%
▲ 0.30% above national avg
▼
Rate2.27%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 0.30% above avg
Details
San Luis Valley Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
3 Month Certificate
$0
1.69%
▼ 0.30% below national avg
▼
Rate1.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▼ 0.30% below avg
Details
CoreFirst Bank & Trust
Institution Rating:
B+4.1 ★Texas Ratio: 2.49%
3 months CD
$1,000
0.70%
▼ 1.29% below national avg
▼
Rate0.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▼ 1.29% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
3 Months
$0
0.60%
▼ 1.39% below national avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▼ 1.39% below avg
Details
FirstOak Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate
$0
0.55%
▼ 1.44% below national avg
▼
Rate0.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▼ 1.44% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
Business 3 Months
$0
0.50%
▼ 1.49% below national avg
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▼ 1.49% below avg
Details
Niwot 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
6-Month CD
$1,000
4.35%
▲ 1.68% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.68% above avg
Details
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
6 Month Certificate
$50,000
4.20%
▲ 1.53% above national avg
▼
Rate4.20%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.53% above avg
Details
Interest paid quarterly via ACH to any account designated by the customer institution. Withdrawal before maturity is not permitted. BBW can arrange for the safekeeping of the instrument upon request.
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
6 Month Certificate
$0
4.06%
▲ 1.39% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.39% above avg
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Jumbo Certificates of Deposit & Greater - 6 Month
$0
4.06%
▲ 1.39% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.39% above avg
Details
$100,000
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month CD
$1,000
4.04%
▲ 1.37% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.37% above avg
Details
APY* Assumes no compounding, interest paid annually or at maturity.
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
6 Month CD
$5,000
4.00%
▲ 1.33% above national avg
▼
Rate3.92%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.33% above avg
Details
Early Withdrawal Penalty: 3 Months of Interest
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
6 Month CD
$0
3.90%
▲ 1.23% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.23% above avg
Details
A penalty may be imposed for early withdrawal. Certificate will automatically renew to a fixed rate CD of the equivalent term with the current rate at renewal. The Annual Percentage Yield is current as of August 24, 2026, and is subject to change at any time without notice.
Adams Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 10.34%
6-MONTH CD
$500
3.80%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.13% above avg
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
6 Month CD
$1,000
3.80%
▲ 1.13% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.13% above avg
Details
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
6 months
$1,000
3.80%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.13% above avg
Details
North Valley Bank Thornton, CO
Institution Rating:
A5.0 ★Texas Ratio: 13.05%
6 Month CD
$1,000
3.78%
▲ 1.11% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.11% above avg
Details
First FarmBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
6 Month Certificate
$1,000
3.65%
▲ 0.98% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.98% above avg
Details
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
6 Month CD
$500
3.50%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.83% above avg
Details
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
6 months
$0
3.50%
▲ 0.83% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.83% above avg
Details
High Plains Bank Flagler, CO
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
6 Month CD
$250
3.50%
▲ 0.83% above national avg
▼
Rate3.44%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.83% above avg
Details
** (certificate of deposit)
Sunflower Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
6-Month CD Special
$0
3.40%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.73% above avg
Details
Limited Time CD Special
CoreFirst Bank & Trust
Institution Rating:
B+4.1 ★Texas Ratio: 2.49%
6 months CD
$1,000
3.29%
▲ 0.62% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.62% above avg
Details
Integrity Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
6 Month Certificate
$0
3.29%
▲ 0.62% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.62% above avg
Details
Farmers State Bank of Calhan
Institution Rating:
A-4.3 ★Texas Ratio: 3.71%
6 Month Certificate
$500
3.17%
▲ 0.50% above national avg
▼
Rate3.13%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.50% above avg
Details
Equitable Savings and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
6 MONTH IRA
$2,000
3.15%
▲ 0.48% above national avg
▼
Rate3.10%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.48% above avg
Details
Penalty: 3 MO
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Business 180 Day Certificate
$0
3.10%
▲ 0.43% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.43% above avg
Details
Grand Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
6 Month Certificate
$500
3.10%
▲ 0.43% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.43% above avg
Details
0.25% bonus for Star and Senior Accounts!
Adams Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 10.34%
6-MONTH CD
$500
2.75%
▲ 0.08% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.08% above avg
Details
5Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
6 Month CD
$1,000
2.45%
▼ 0.22% below national avg
▼
Rate2.42%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 0.22% below avg
Details
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 0.67% below avg
Details
San Luis Valley Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
6 Month Certificate
$0
1.70%
▼ 0.97% below national avg
▼
Rate1.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 0.97% below avg
Details
San Luis Valley Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
6 Month Certificate
$0
1.44%
▼ 1.23% below national avg
▼
Rate1.43%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 1.23% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
6 Months
$0
1.36%
▼ 1.31% below national avg
▼
Rate1.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 1.31% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
Business 6 Months
$0
1.26%
▼ 1.41% below national avg
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 1.41% below avg
Details
FirstOak Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate
$0
0.60%
▼ 2.07% below national avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 2.07% below avg
Details
Niwot 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
12-Month CD
$1,000
4.40%
▲ 1.56% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.56% above avg
Details
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
12 Month Certificate
$50,000
4.23%
▲ 1.39% above national avg
▼
Rate4.23%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.39% above avg
Details
Interest paid quarterly via ACH to any account designated by the customer institution. Withdrawal before maturity is not permitted. BBW can arrange for the safekeeping of the instrument upon request.
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
12 Month CD
$5,000
4.10%
▲ 1.26% above national avg
▼
Rate4.02%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.26% above avg
Details
Early Withdrawal Penalty: 3 Months of Interest
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
12 Month CD
$0
3.95%
▲ 1.11% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.11% above avg
Details
A penalty may be imposed for early withdrawal. Certificate will automatically renew to a fixed rate CD of the equivalent term with the current rate at renewal. The Annual Percentage Yield is current as of August 24, 2026, and is subject to change at any time without notice.
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1 Year Certificate
$0
3.91%
▲ 1.07% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.07% above avg
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Jumbo Certificates of Deposit & Greater - 1 Year
$0
3.91%
▲ 1.07% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.07% above avg
Details
$100,000
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
12 months
$1,000
3.85%
▲ 1.01% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.01% above avg
Details
North Valley Bank Thornton, CO
Institution Rating:
A5.0 ★Texas Ratio: 13.05%
1 Year CD
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.91% above avg
Details
Columbine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
Jumbo IRA Share Certificates - 1 Year
$0
3.70%
▲ 0.86% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.86% above avg
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1 Year CD
$1,000
3.65%
▲ 0.81% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.81% above avg
Details
Columbine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
Regular IRA Share Certificates - 1 Year
$0
3.55%
▲ 0.71% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.71% above avg
Details
Northern Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
12 MONTH IRA CERT
$1,000
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.66% above avg
Details
First FarmBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
12 Month Certificate
$1,000
3.45%
▲ 0.61% above national avg
▼
Rate3.41%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.61% above avg
Details
also available as an add-on CD
High Plains Bank Flagler, CO
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
1 Year CD
$250
3.35%
▲ 0.51% above national avg
▼
Rate3.30%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.51% above avg
Details
** (certificate of deposit)
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
IRA (Roth & Traditional) - Fixed Rate 12 month
$0
3.35%
▲ 0.51% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.51% above avg
Details
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
IRAs (Roth & Traditional) - Fixed Rate 12 month
$0
3.35%
▲ 0.51% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.51% above avg
Details
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
12 Month CD
$500
3.30%
▲ 0.46% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.46% above avg
Details
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
12 months
$0
3.30%
▲ 0.46% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.46% above avg
Details
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Business 12 Month Certificate
$0
3.30%
▲ 0.46% above national avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.46% above avg
Details
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
1 Year Certificate
$500
3.30%
▲ 0.46% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.46% above avg
Details
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
1 Year IRA
$500
3.30%
▲ 0.46% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.46% above avg
Details
Integrity Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
12 Month Certificate
$0
3.29%
▲ 0.45% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.45% above avg
Details
Equitable Savings and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
12 MONTH IRA
$2,000
3.25%
▲ 0.41% above national avg
▼
Rate3.20%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.41% above avg
Details
Penalty: 6 MO
Grand Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
12 Month Certificate
$500
3.20%
▲ 0.36% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.36% above avg
Details
0.25% bonus for Star and Senior Accounts!
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
12 Month CD
$1,000
3.00%
▲ 0.16% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.16% above avg
Details
APY* Assumes no compounding, interest paid annually or at maturity.
Farmers State Bank of Calhan
Institution Rating:
A-4.3 ★Texas Ratio: 3.71%
12 Month Certificate
$500
2.93%
▲ 0.09% above national avg
▼
Rate2.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.09% above avg
Details
5Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
1 Year CD/IRA
$1,000
2.55%
▼ 0.29% below national avg
▼
Rate2.52%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▼ 0.29% below avg
Details
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▼ 0.34% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
12 Months
$0
1.61%
▼ 1.23% below national avg
▼
Rate1.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▼ 1.23% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
Business 12 Months
$0
1.51%
▼ 1.33% below national avg
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▼ 1.33% below avg
Details
San Luis Valley Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
1 Year Certificate
$0
1.20%
▼ 1.64% below national avg
▼
Rate1.19%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▼ 1.64% below avg
Details
San Luis Valley Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
1 Year Certificate
$0
0.75%
▼ 2.09% below national avg
▼
Rate0.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▼ 2.09% below avg
Details
FirstOak Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Certificate
$0
0.65%
▼ 2.19% below national avg
▼
Rate0.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▼ 2.19% below avg
Details
First National Bank in Trinidad
Institution Rating:
A-4.4 ★Texas Ratio: 8.33%
12 Month CD
$1,000
0.50%
▼ 2.34% below national avg
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▼ 2.34% below avg
Details
On Deposits up to $100,000
First National Bank in Trinidad
Institution Rating:
A-4.4 ★Texas Ratio: 8.33%
12 Month Jumbo CD
$100,000
0.50%
▼ 2.34% below national avg
▼
Rate0.50%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▼ 2.34% below avg
Details
On Deposits $100,000 and over
CoreFirst Bank & Trust
Institution Rating:
B+4.1 ★Texas Ratio: 2.49%
12 months CD
$1,000
0.15%
▼ 2.69% below national avg
▼
Rate0.15%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▼ 2.69% below avg
Details
Niwot 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
18-Month CD
$1,000
4.40%
▲ 1.73% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.73% above avg
Details
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
18 Month Certificate
$50,000
4.21%
▲ 1.54% above national avg
▼
Rate4.21%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.54% above avg
Details
Interest paid quarterly via ACH to any account designated by the customer institution. Withdrawal before maturity is not permitted. BBW can arrange for the safekeeping of the instrument upon request.
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
18 Month CD
$5,000
4.05%
▲ 1.38% above national avg
▼
Rate3.97%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.38% above avg
Details
Early Withdrawal Penalty: 6 Months of Interest
North Valley Bank Thornton, CO
Institution Rating:
A5.0 ★Texas Ratio: 13.05%
18 Month Fixed Rate CD
$100,000
3.80%
▲ 1.13% above national avg
▼
Rate3.75%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.13% above avg
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
18 Month Certificate
$0
3.80%
▲ 1.13% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.13% above avg
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Jumbo Certificates of Deposit & Greater - 18 Month
$0
3.80%
▲ 1.13% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.13% above avg
Details
$100,000
FirsTier Bank
Institution Rating:
F2.0 ★Texas Ratio: 51.03%
18 Month CD
$0
3.60%
▲ 0.93% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.93% above avg
Details
A penalty may be imposed for early withdrawal. Certificate will automatically renew to a fixed rate CD of the equivalent term with the current rate at renewal. The Annual Percentage Yield is current as of August 24, 2026, and is subject to change at any time without notice.
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
18 Month (Variable Rate) IRA
$500
3.56%
▲ 0.89% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.89% above avg
Details
Variable Rate
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
18 Month Certificate
$500
3.56%
▲ 0.89% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.89% above avg
Details
North Valley Bank Thornton, CO
Institution Rating:
A5.0 ★Texas Ratio: 13.05%
18 Month Fixed Rate CD
$100
3.55%
▲ 0.88% above national avg
▼
Rate3.50%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.88% above avg
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
18 Month CD
$1,000
3.55%
▲ 0.88% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.88% above avg
Details
Northern Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
18 MONTH IRA CERT
$1,000
3.35%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.68% above avg
Details
Equitable Savings and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
IRA 18 MONTH CD
$100
3.25%
▲ 0.58% above national avg
▼
Rate3.20%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.58% above avg
Details
Penalty: 6 MO
First FarmBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
18 Month Certificate
$1,000
3.20%
▲ 0.53% above national avg
▼
Rate3.16%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.53% above avg
Details
Integrity Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
18 Month Certificate
$0
3.19%
▲ 0.52% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.52% above avg
Details
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
18 months
$0
3.05%
▲ 0.38% above national avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.38% above avg
Details
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.33% above avg
Details
5Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
18 Month CD/IRA
$1,000
2.45%
▼ 0.22% below national avg
▼
Rate2.42%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 0.22% below avg
Details
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
18 month Variable
$0
1.97%
▼ 0.70% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 0.70% below avg
Details
Variable Rate Individual Retirement Accounts
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
18 months
$1,000
1.86%
▼ 0.81% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 0.81% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
18 Months
$0
1.56%
▼ 1.11% below national avg
▼
Rate1.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 1.11% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
Business 18 Months
$0
1.46%
▼ 1.21% below national avg
▼
Rate1.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 1.21% below avg
Details
Century SLA
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
18 Mo IRA
$1,000
0.70%
▼ 1.97% below national avg
▼
Rate0.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 1.97% below avg
Details
FirstOak Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificate
$0
0.70%
▼ 1.97% below national avg
▼
Rate0.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 1.97% below avg
Details
First National Bank in Trinidad
Institution Rating:
A-4.4 ★Texas Ratio: 8.33%
18 Month CD
$1,000
0.60%
▼ 2.07% below national avg
▼
Rate0.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 2.07% below avg
Details
On Deposits up to $100,000
First National Bank in Trinidad
Institution Rating:
A-4.4 ★Texas Ratio: 8.33%
18 Month Jumbo CD
$100,000
0.60%
▼ 2.07% below national avg
▼
Rate0.60%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 2.07% below avg
Details
On Deposits $100,000 and over
First National Bank in Trinidad
Institution Rating:
A-4.4 ★Texas Ratio: 8.33%
IRA 18 Month CD
$5,000
0.60%
▼ 2.07% below national avg
▼
Rate0.60%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 2.07% below avg
Details
On Deposits up to $100,000
First National Bank in Trinidad
Institution Rating:
A-4.4 ★Texas Ratio: 8.33%
Jumbo IRA 18 Month CD
$100,000
0.60%
▼ 2.07% below national avg
▼
Rate0.60%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 2.07% below avg
Details
On Deposits $100,000 and Over
CoreFirst Bank & Trust
Institution Rating:
B+4.1 ★Texas Ratio: 2.49%
18 months CD
$1,000
0.15%
▼ 2.52% below national avg
▼
Rate0.15%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 2.52% below avg
Details
Niwot 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
5Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
24 Month Variable IRA
$250
4.31%
▲ 1.60% above national avg
▼
Rate4.22%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 1.60% above avg
Details
Variable Rate
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
24 Month Certificate
$50,000
4.23%
▲ 1.52% above national avg
▼
Rate4.23%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 1.52% above avg
Details
Interest paid quarterly via ACH to any account designated by the customer institution. Withdrawal before maturity is not permitted. BBW can arrange for the safekeeping of the instrument upon request.
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
24-Month CD
$1,000
4.20%
▲ 1.49% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 1.49% above avg
Details
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
24 Month CD
$5,000
4.00%
▲ 1.29% above national avg
▼
Rate3.92%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 1.29% above avg
Details
Early Withdrawal Penalty: 6 Months of Interest
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
24 months
$1,000
3.90%
▲ 1.19% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 1.19% above avg
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
2 Year Certificate
$0
3.70%
▲ 0.99% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.99% above avg
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Jumbo Certificates of Deposit & Greater - 2 Year
$0
3.70%
▲ 0.99% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.99% above avg
Details
$100,000
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2 Year Certificate
$500
3.57%
▲ 0.86% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.86% above avg
Details
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2 Years IRA
$500
3.57%
▲ 0.86% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.86% above avg
Details
North Valley Bank Thornton, CO
Institution Rating:
A5.0 ★Texas Ratio: 13.05%
2 Year CD
$1,000
3.50%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.79% above avg
Details
Columbine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
Jumbo IRA Share Certificates - 2 Years
$0
3.50%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.79% above avg
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
2 Year CD
$1,000
3.44%
▲ 0.73% above national avg
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.73% above avg
Details
Columbine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
Regular IRA Share Certificates - 2 Years
$0
3.40%
▲ 0.69% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.69% above avg
Details
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Business 24 Month Certificate
$0
3.35%
▲ 0.64% above national avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.64% above avg
Details
Equitable Savings and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
24 MONTH IRA
$2,000
3.35%
▲ 0.64% above national avg
▼
Rate3.30%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.64% above avg
Details
Penalty: 9 MO
Northern Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
24 MO EVOLUTION CERT
$100
3.35%
▲ 0.64% above national avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.64% above avg
Details
Northern Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
24 MONTH IRA CERT
$1,000
3.26%
▲ 0.55% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.55% above avg
Details
Integrity Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
2 Year Certificate
$0
3.03%
▲ 0.32% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.32% above avg
Details
Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
24 months
$0
3.00%
▲ 0.29% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.29% above avg
Details
First FarmBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
24 Month Certificate
$1,000
3.00%
▲ 0.29% above national avg
▼
Rate2.97%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.29% above avg
Details
Grand Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
24 Month Certificate
$500
3.00%
▲ 0.29% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.29% above avg
Details
0.25% bonus for Star and Senior Accounts!
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
IRA (Roth & Traditional) - Fixed Rate 24 months
$0
3.00%
▲ 0.29% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.29% above avg
Details
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
IRAs (Roth & Traditional) - Fixed Rate 24 months
$0
3.00%
▲ 0.29% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.29% above avg
Details
Farmers State Bank of Calhan
Institution Rating:
A-4.3 ★Texas Ratio: 3.71%
2 Year Certificate
$500
2.96%
▲ 0.25% above national avg
▼
Rate2.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.25% above avg
Details
High Plains Bank Flagler, CO
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
2 Year CD
$250
2.75%
▲ 0.04% above national avg
▼
Rate2.71%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.04% above avg
Details
** (certificate of deposit)
5Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
2 Year CD/IRA
$1,000
2.20%
▼ 0.51% below national avg
▼
Rate2.18%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▼ 0.51% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
24 Months
$0
1.46%
▼ 1.25% below national avg
▼
Rate1.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▼ 1.25% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
Business 24 Months
$0
1.36%
▼ 1.35% below national avg
▼
Rate1.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▼ 1.35% below avg
Details
San Luis Valley Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2 Year Certificate
$0
1.11%
▼ 1.60% below national avg
▼
Rate1.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▼ 1.60% below avg
Details
FirstOak Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Certificate
$0
0.75%
▼ 1.96% below national avg
▼
Rate0.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▼ 1.96% below avg
Details
First National Bank in Trinidad
Institution Rating:
A-4.4 ★Texas Ratio: 8.33%
24 Month CD
$1,000
0.70%
▼ 2.01% below national avg
▼
Rate0.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▼ 2.01% below avg
Details
On Deposits up to $100,000
First National Bank in Trinidad
Institution Rating:
A-4.4 ★Texas Ratio: 8.33%
24 Month Jumbo CD
$100,000
0.70%
▼ 2.01% below national avg
▼
Rate0.70%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▼ 2.01% below avg
Details
On Deposits $100,000 and over
San Luis Valley Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2 Year Certificate
$0
0.70%
▼ 2.01% below national avg
▼
Rate0.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▼ 2.01% below avg
Details
CoreFirst Bank & Trust
Institution Rating:
B+4.1 ★Texas Ratio: 2.49%
24 months CD
$1,000
0.15%
▼ 2.56% below national avg
▼
Rate0.15%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▼ 2.56% below avg
Details
Niwot 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
5Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
36 Month Variable IRA
$250
4.36%
▲ 1.72% above national avg
▼
Rate4.27%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 1.72% above avg
Details
Variable Rate
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
36-Month CD
$1,000
4.20%
▲ 1.56% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 1.56% above avg
Details
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
36 Month Certificate
$50,000
4.13%
▲ 1.49% above national avg
▼
Rate4.13%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 1.49% above avg
Details
Interest paid quarterly via ACH to any account designated by the customer institution. Withdrawal before maturity is not permitted. BBW can arrange for the safekeeping of the instrument upon request.
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
3 Year Certificate
$500
4.09%
▲ 1.45% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 1.45% above avg
Details
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
36 Month CD
$5,000
3.95%
▲ 1.31% above national avg
▼
Rate3.87%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 1.31% above avg
Details
Early Withdrawal Penalty: 6 Months of Interest
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
3 Year Certificate
$0
3.70%
▲ 1.06% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 1.06% above avg
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Jumbo Certificates of Deposit & Greater - 3 Year
$0
3.70%
▲ 1.06% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 1.06% above avg
Details
$100,000
Columbine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
Jumbo IRA Share Certificates - 3 Years
$0
3.50%
▲ 0.86% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.86% above avg
Details
Equitable Savings and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
36 MONTH IRA
$2,000
3.46%
▲ 0.82% above national avg
▼
Rate3.40%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.82% above avg
Details
Penalty: 12 MO
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
3 Year CD
$1,000
3.44%
▲ 0.80% above national avg
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.80% above avg
Details
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Business 36 Month Certificate
$0
3.40%
▲ 0.76% above national avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.76% above avg
Details
Columbine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
Regular IRA Share Certificates - 3 Years
$0
3.30%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.66% above avg
Details
North Valley Bank Thornton, CO
Institution Rating:
A5.0 ★Texas Ratio: 13.05%
3 Year CD
$1,000
3.25%
▲ 0.61% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.61% above avg
Details
Northern Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
36 MONTH IRA CERT
$1,000
3.20%
▲ 0.56% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.56% above avg
Details
Farmers State Bank of Calhan
Institution Rating:
A-4.3 ★Texas Ratio: 3.71%
3 Year Certificate
$500
3.07%
▲ 0.43% above national avg
▼
Rate3.04%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.43% above avg
Details
Grand Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
36 Month Certificate
$500
3.00%
▲ 0.36% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.36% above avg
Details
0.25% bonus for Star and Senior Accounts!
Integrity Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
3 Year Certificate
$0
2.83%
▲ 0.19% above national avg
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.19% above avg
Details
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
IRA (Roth & Traditional) - Fixed Rate 36 months
$0
2.80%
▲ 0.16% above national avg
▼
Rate2.76%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.16% above avg
Details
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
IRAs (Roth & Traditional) - Fixed Rate 36 months
$0
2.80%
▲ 0.16% above national avg
▼
Rate2.76%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.16% above avg
Details
High Plains Bank Flagler, CO
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
3 Year CD
$250
2.73%
▲ 0.09% above national avg
▼
Rate2.69%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.09% above avg
Details
** (certificate of deposit)
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
36 months
$1,000
2.27%
▼ 0.37% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▼ 0.37% below avg
Details
5Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
3 Year CD/IRA
$1,000
2.00%
▼ 0.64% below national avg
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▼ 0.64% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
36 Months
$0
1.36%
▼ 1.28% below national avg
▼
Rate1.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▼ 1.28% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
Business 36 Months
$0
1.26%
▼ 1.38% below national avg
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▼ 1.38% below avg
Details
FirstOak Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Certificate
$0
0.85%
▼ 1.79% below national avg
▼
Rate0.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▼ 1.79% below avg
Details
CoreFirst Bank & Trust
Institution Rating:
B+4.1 ★Texas Ratio: 2.49%
36 months CD
$1,000
0.25%
▼ 2.39% below national avg
▼
Rate0.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▼ 2.39% below avg
Details
Niwot 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
48-Month CD
$1,000
4.20%
▲ 1.55% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 1.55% above avg
Details
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
4 Year Certificate
$500
4.09%
▲ 1.44% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 1.44% above avg
Details
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
48 Month Certificate
$50,000
3.98%
▲ 1.33% above national avg
▼
Rate3.98%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 1.33% above avg
Details
Interest paid quarterly via ACH to any account designated by the customer institution. Withdrawal before maturity is not permitted. BBW can arrange for the safekeeping of the instrument upon request.
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
4 Year Certificate
$0
3.70%
▲ 1.05% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 1.05% above avg
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Jumbo Certificates of Deposit & Greater - 4 Year
$0
3.70%
▲ 1.05% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 1.05% above avg
Details
$100,000
Equitable Savings and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
48 MONTH IRA
$2,000
3.56%
▲ 0.91% above national avg
▼
Rate3.50%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.91% above avg
Details
Penalty: 3 MO+
Columbine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
Jumbo IRA Share Certificates - 4 Years
$0
3.50%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.85% above avg
Details
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Business 48 Month Certificate
$0
3.45%
▲ 0.80% above national avg
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.80% above avg
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
4 Year CD
$1,000
3.44%
▲ 0.79% above national avg
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.79% above avg
Details
Columbine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
Regular IRA Share Certificates - 4 Years
$0
3.30%
▲ 0.65% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.65% above avg
Details
Grand Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
48 Month Certificate
$500
3.10%
▲ 0.45% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.45% above avg
Details
0.25% bonus for Star and Senior Accounts!
Northern Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
48 MONTH IRA CERT
$1,000
3.10%
▲ 0.45% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.45% above avg
Details
North Valley Bank Thornton, CO
Institution Rating:
A5.0 ★Texas Ratio: 13.05%
4 Year CD
$1,000
3.00%
▲ 0.35% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.35% above avg
Details
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
IRA (Roth & Traditional) - Fixed Rate 48 months
$0
2.60%
▼ 0.05% below national avg
▼
Rate2.57%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▼ 0.05% below avg
Details
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
IRAs (Roth & Traditional) - Fixed Rate 48 months
$0
2.60%
▼ 0.05% below national avg
▼
Rate2.57%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▼ 0.05% below avg
Details
Integrity Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
4 Year Certificate
$0
2.52%
▼ 0.13% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▼ 0.13% below avg
Details
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
48 months
$1,000
2.27%
▼ 0.38% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▼ 0.38% below avg
Details
5Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
4 Year CD/IRA
$1,000
2.00%
▼ 0.65% below national avg
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▼ 0.65% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
48 Months
$0
1.26%
▼ 1.39% below national avg
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▼ 1.39% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
Business 48 Months
$0
1.16%
▼ 1.49% below national avg
▼
Rate1.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▼ 1.49% below avg
Details
FirstOak Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Certificate
$0
0.95%
▼ 1.70% below national avg
▼
Rate0.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▼ 1.70% below avg
Details
CoreFirst Bank & Trust
Institution Rating:
B+4.1 ★Texas Ratio: 2.49%
48 months CD
$1,000
0.50%
▼ 2.15% below national avg
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▼ 2.15% below avg
Details
Niwot 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
5Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
60 Month Variable IRA
$250
4.48%
▲ 1.73% above national avg
▼
Rate4.39%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 1.73% above avg
Details
Variable Rate
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
60-Month CD
$1,000
4.20%
▲ 1.45% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 1.45% above avg
Details
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
5 Year Certificate
$500
4.09%
▲ 1.34% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 1.34% above avg
Details
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
5 Years IRA
$500
4.09%
▲ 1.34% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 1.34% above avg
Details
Bankers Bank of the West
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
60 Month Certificate
$50,000
4.00%
▲ 1.25% above national avg
▼
Rate4.00%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 1.25% above avg
Details
Interest paid quarterly via ACH to any account designated by the customer institution. Withdrawal before maturity is not permitted. BBW can arrange for the safekeeping of the instrument upon request.
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
60 Month CD
$5,000
3.80%
▲ 1.05% above national avg
▼
Rate3.73%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 1.05% above avg
Details
Early Withdrawal Penalty: 6 Months of Interest
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5 Year Certificate
$0
3.70%
▲ 0.95% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.95% above avg
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Jumbo Certificates of Deposit & Greater - 5 Year
$0
3.70%
▲ 0.95% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.95% above avg
Details
$100,000
Equitable Savings and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
60 MONTH IRA
$2,000
3.67%
▲ 0.92% above national avg
▼
Rate3.60%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.92% above avg
Details
Penalty: 3 MO+
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Business 60 Month Certificate
$0
3.51%
▲ 0.76% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.76% above avg
Details
Columbine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
Jumbo IRA Share Certificates - 5 Years
$0
3.50%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.75% above avg
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5 Year CD
$1,000
3.44%
▲ 0.69% above national avg
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.69% above avg
Details
Columbine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
Regular IRA Share Certificates - 5 Years
$0
3.35%
▲ 0.60% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.60% above avg
Details
Air Academy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
IRA Certificates - 54-60 months
$0
3.25%
▲ 0.50% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.50% above avg
Details
Northern Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
60 MONTH IRA CERT
$1,000
3.20%
▲ 0.45% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.45% above avg
Details
Farmers State Bank of Calhan
Institution Rating:
A-4.3 ★Texas Ratio: 3.71%
5 Year Certificate
$500
3.12%
▲ 0.37% above national avg
▼
Rate3.08%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.37% above avg
Details
Grand Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
60 Month Certificate
$500
3.00%
▲ 0.25% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.25% above avg
Details
0.25% bonus for Star and Senior Accounts!
Integrity Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
5 Year Certificate
$0
2.78%
▲ 0.03% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.03% above avg
Details
North Valley Bank Thornton, CO
Institution Rating:
A5.0 ★Texas Ratio: 13.05%
5 Year CD
$1,000
2.50%
▼ 0.25% below national avg
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▼ 0.25% below avg
Details
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
60 months
$1,000
2.32%
▼ 0.43% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▼ 0.43% below avg
Details
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
IRA (Roth & Traditional) - Fixed Rate 60 months
$0
2.25%
▼ 0.50% below national avg
▼
Rate2.23%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▼ 0.50% below avg
Details
Yampa Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
IRAs (Roth & Traditional) - Fixed Rate 60 months
$0
2.25%
▼ 0.50% below national avg
▼
Rate2.23%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▼ 0.50% below avg
Details
5Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
5 Year CD/IRA
$1,000
2.00%
▼ 0.75% below national avg
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▼ 0.75% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
60 Months
$0
1.31%
▼ 1.44% below national avg
▼
Rate1.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▼ 1.44% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
Business 60 Months
$0
1.21%
▼ 1.54% below national avg
▼
Rate1.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▼ 1.54% below avg
Details
FirstOak Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Certificate
$0
1.06%
▼ 1.69% below national avg
▼
Rate1.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▼ 1.69% below avg
Details
CoreFirst Bank & Trust
Institution Rating:
B+4.1 ★Texas Ratio: 2.49%
60 months CD
$1,000
0.60%
▼ 2.15% below national avg
▼
Rate0.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▼ 2.15% below avg
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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Niwot, CO CD Rate Trends
Compare local Niwot, 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
2.840%
▲ 0.428 vs 7 days ago
Colorado 12-month CD rates rose 0.428 points over the past 7 days to 2.840% APY.
6-Month CD CO Avg
2.669%
▲ 0.886 vs 7 days ago
Colorado 6-month CD rates rose 0.886 points over the past 7 days to 2.669% APY.
As of Sep 10, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
CO CD Rate Forecast, Next 12 Months
Where are Colorado CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
CO 12-Month Avg APY
2.840%
6-Month Forecast
2.840%
Range: 2.64% – 2.99%
12-Month Forecast
3.090%
Range: 2.89% – 3.24%
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MonitorBankRates
What Your Savings Earn at CO CD Rates Today
Annual interest earnings at today’s Colorado average APYs. State average used where available; national average as fallback.
| CD Term | CO Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.993% | $99.65 | $199.29 | $498.22 | $996.45 |
| 6-Month CD | 2.669% | $133.45 | $266.90 | $667.25 | $1,334.50 |
| 12-Month CD | 2.840% | $142.01 | $284.02 | $710.05 | $1,420.10 |
| 18-Month CD | 2.673% | $133.67 | $267.34 | $668.35 | $1,336.70 |
| 24-Month CD | 2.712% | $135.61 | $271.23 | $678.07 | $1,356.15 |
| 36-Month CD | 2.640% | $132.02 | $264.03 | $660.07 | $1,320.15 |
| 48-Month CD | 2.652% | $132.61 | $265.23 | $663.07 | $1,326.15 |
| 60-Month CD | 2.747% | $137.35 | $274.69 | $686.73 | $1,373.45 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 9, 2026. | |||||
Sample CD Ladder for Niwot, 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 | 1.993% | $99.65 |
| 2 | 6-Month CD | $5,000 | 2.669% | $133.45 |
| 3 | 12-Month CD | $5,000 | 2.840% | $142.01 |
| 4 | 24-Month CD | $5,000 | 2.712% | $135.61 |
| 5 | 36-Month CD | $5,000 | 2.640% | $132.02 |
| Total ($25,000 invested) | $25,000 | 2.571% blended | $642.74/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.
206
CD Rates
Tracked in Niwot, Colorado
Tracked in Niwot, Colorado
28 Banks
3 Credit Unions
About Our Niwot, Colorado CD Rate Database
MonitorBankRates tracks 206 CD rates from 28 banks and 3 credit unions with locations in Niwot, 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 4.48% APY with a minimum deposit of $250. Use the rate table above to compare all current offers in Niwot, Colorado.
How to Find the Best CD Rates in Niwot, Colorado
What to compare when shopping for a CD in Niwot, Colorado
To find the best APYs in Niwot, Colorado, start with credit unions and online-only banks: Niwot, Colorado has 3 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 Niwot, 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 Niwot, Colorado: 31 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Niwot, 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 Niwot, Colorado money market rates
Niwot, Colorado Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
28.1%
National avg: 17.3%
Median Individual Earnings
$58,326
National avg: $47,340
Poverty Rate
2.2%
National avg: 11.1%
Unemployment Rate
4.1%
National avg: 4.8%
CD Earnings on 10% of Salary
$166/yr
At CO 12-mo avg 2.840% APY
28.1% of residents are 65 or older, above the national average of 17.3%, making fixed-rate CDs a particularly relevant savings vehicle in this market. At today’s CO 12-month CD average of 2.840%, saving 10% of the local median salary ($5,832/year) and putting it in a CD would earn an additional $166 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 Niwot, Colorado
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Niwot, Colorado
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Niwot, 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 Niwot, Colorado as everywhere in the U.S.
Choosing a CD Term in Niwot, Colorado
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Niwot, Colorado savers easier access to their funds. For example, United Fidelity Bank is offering its 6-Month CD at 4.35% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, 5Star Bank is offering its 60 Month Variable IRA at 4.48% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Niwot, Colorado Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Niwot, Colorado saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Niwot, Colorado
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Niwot, Colorado CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Niwot, Colorado
Most CDs carry a fixed rate that is locked for the entire term, protecting a Niwot, 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 Niwot, Colorado
Are CD rates in Niwot, Colorado FDIC insured?
Yes, most established banks in Niwot, 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 Niwot, 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 Niwot, 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 Niwot, 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 Niwot, Colorado?
Here are recent top rates found for this area:
- 5Star Bank: 4.48% APY (60 Month Variable IRA)
- United Fidelity Bank: 4.40% APY (12-Month CD)
- Austin Capital Bank: 4.32% APY (3 Month CD)
- Bankers Bank of the West: 4.23% APY (12 Month Certificate)
- Colorado Federal Savings Bank: 4.10% APY (12 Month CD)
- Gunnison S&L: 4.09% APY (3 Year Certificate)
- The Dolores State Bank: 4.06% APY (6 Month Certificate)
- FirsTier Bank: 3.95% APY (12 Month CD)
- Union Bank and Trust Company: 3.90% APY (24 months)
- Adams Bank & Trust: 3.80% APY (6-MONTH CD)
Rates reflect recent verified offers available in Niwot, Colorado. Last Updated: September 9, 2026
Niwot, 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 Niwot, Colorado rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
—
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Niwot, Colorado
Niwot, Colorado CD Calculator
At today’s CO top rate of 4.48% APY, a $10,000 deposit earns $448 in the first year. Enter your amount to see your exact return.
Niwot, Colorado CD LadderCO CD rates currently range from 1.993% (3-month) to 2.640% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Niwot, Colorado CD at 4.48% 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 2.840% 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 Niwot, 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 Niwot, 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 Niwot, Colorado. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in CO.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: September 9, 2026
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