Paonia, Colorado Best CD Rates August 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 Paonia, Colorado CD rates include NuVista Federal Credit UnionNuVista Federal Credit UnionA+5.0 ★Texas Ratio: 0.66%Real return: +2.32%APY minus CPI (February 2026) offering 12 Month DREAM Certificate at 5.12% APY, United Fidelity BankUnited Fidelity BankA+5.0 ★Texas Ratio: 0.81%Real return: +1.70%APY minus CPI (February 2026) offering 18-Month CD at 4.50% APY, 5Star Bank5Star BankA+5.0 ★Texas Ratio: 0.13%Real return: +1.68%APY minus CPI (February 2026) offering 60 Month Variable IRA at 4.48% APY, The Dolores State BankThe Dolores State BankA+5.0 ★Texas Ratio: 3.67%Real return: +1.52%APY minus CPI (February 2026) offering Jumbo Certificates of Deposit & Greater - 6 Month at 4.32% APY, and On Tap Credit UnionOn Tap Credit UnionA5.0 ★Texas Ratio: 8.39%Real return: +1.45%APY minus CPI (February 2026) offering JUMBO certificates 48 Months at 4.25% APY. CD rates as of August 29, 2026 according to verified data from MonitorBankRates.
Paonia is a smaller community with no bank or credit union branches currently in our database. 678 institutions serving the Colorado area are available to Paonia residents, with CD rates as high as 5.12% APY from NuVista Federal Credit Union. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: August 29, 2026
Compare Best CD Rates in Paonia, Colorado & the Surrounding Area
Paonia 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85%
▲ 2.37% above Colorado avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 2.37% above avgNationally 1.96%
Details
Special Offer. balances under $100k
High Plains Bank Flagler, CO
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
3 Month CD
$250
3.70%
▲ 2.22% above Colorado avg
▼
Rate3.63%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 2.22% above avgNationally 1.96%
Details
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
3 Month CD
$5,000
3.65%
▲ 2.17% above Colorado avg
▼
Rate3.58%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 2.17% above avgNationally 1.96%
Details
Early Withdrawal Penalty: 1 Month of Interest
Ent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
3 Month Standard CD
$500
3.64%
▲ 2.16% above Colorado avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 2.16% above avgNationally 1.96%
Details
Lock in a great rate. Access your money sooner with a short term. Choose the term that fits your savings goals.
FirsTier Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
3 Month CD
$0
3.60%
▲ 2.12% above Colorado avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 2.12% above avgNationally 1.96%
Details
A penalty may be imposed for early withdrawal. Certificate will automatically renew to a fixed rate CD of the equivalent term with the current rate at renewal. The Annual Percentage Yield is current as of August 24, 2026, and is subject to change at any time without notice.
Westminster Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.90%
3-Month Share Certificate
$0
3.50%
▲ 2.02% above Colorado avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 2.02% above avgNationally 1.96%
Details
Credit Union of The Rockies
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
3 Month
$500
3.40%
▲ 1.92% above Colorado avg
▼
Rate3.36%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 1.92% above avgNationally 1.96%
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
3 Months
$0
3.30%
▲ 1.82% above Colorado avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 1.82% above avgNationally 1.96%
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Certificates of Deposit (CD) 3 Months
$100
3.30%
▲ 1.82% above Colorado avg
▼
Rate3.25%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 1.82% above avgNationally 1.96%
Details
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
3 Month
$500
3.29%
▲ 1.81% above Colorado avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 1.81% above avgNationally 1.96%
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
3-Month Certificate
$0
3.25%
▲ 1.77% above Colorado avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 1.77% above avgNationally 1.96%
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
3-Month IRA Certificate
$0
3.25%
▲ 1.77% above Colorado avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 1.77% above avgNationally 1.96%
Details
North Valley Bank Thornton, CO
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month CD
$1,000
3.24%
▲ 1.76% above Colorado avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 24, 2026
Colorado Average1.48%▲ 1.76% above avgNationally 1.96%
Details
Grand Valley Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
3 Months
$500
3.10%
▲ 1.62% above Colorado avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 1.62% above avgNationally 1.96%
Details
.25% bonus for Star and Senior Accounts!
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
Business 90 Day Certificate
$0
3.00%
▲ 1.52% above Colorado avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 1.52% above avgNationally 1.96%
Details
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
Share Certificates to 3 Month
$0
2.75%
▲ 1.27% above Colorado avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 1.27% above avgNationally 1.96%
Details
$9,999.99; $500
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
IRA CD 3 Months
$500
2.75%
▲ 1.27% above Colorado avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 1.27% above avgNationally 1.96%
Details
Invest a portion of your Traditional or Roth IRA Defer tax payments on Traditional IRA earnings to future withdrawals** Enjoy higher rates than a traditional savings account
Integrity Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 8.24%
3 Month
$0
2.52%
▲ 1.04% above Colorado avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 1.04% above avgNationally 1.96%
Details
First FarmBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
3 Month CD
$0
2.50%
▲ 1.02% above Colorado avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 1.02% above avgNationally 1.96%
Details
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
3 Month Certificate
$500
2.50%
▲ 1.02% above Colorado avg
▼
Rate2.47%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 1.02% above avgNationally 1.96%
Details
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
HSA 3 Month Certificate
$0
2.50%
▲ 1.02% above Colorado avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 1.02% above avgNationally 1.96%
Details
Certificates (IRA, HSA)
San Luis Valley Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
3 Months
$0
2.29%
▲ 0.81% above Colorado avg
▼
Rate2.27%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 0.81% above avgNationally 1.96%
Details
Foothills Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.24%
3 Month
$0
2.25%
▲ 0.77% above Colorado avg
▼
Rate2.23%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 0.77% above avgNationally 1.96%
Details
Delta County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
3 Month
$250
2.02%
▲ 0.54% above Colorado avg
▼
Rate2.00%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 0.54% above avgNationally 1.96%
Details
youth members only
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
90 Day
$0
2.00%
▲ 0.52% above Colorado avg
▼
Rate1.99%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 0.52% above avgNationally 1.96%
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
90 Day
$0
1.90%
▲ 0.42% above Colorado avg
▼
Rate1.89%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 0.42% above avgNationally 1.96%
Details
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
Individual Retirement Account (IRA) CDs - 3 Month
$0
1.85%
▲ 0.37% above Colorado avg
▼
Rate1.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 0.37% above avgNationally 1.96%
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
90 Day
$0
1.80%
▲ 0.32% above Colorado avg
▼
Rate1.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 0.32% above avgNationally 1.96%
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
90 Day
$0
1.70%
▲ 0.22% above Colorado avg
▼
Rate1.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 0.22% above avgNationally 1.96%
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
90 Day Add-on Certificate
$0
1.70%
▲ 0.22% above Colorado avg
▼
Rate1.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 0.22% above avgNationally 1.96%
Details
San Luis Valley Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
3 Months
$0
1.69%
▲ 0.21% above Colorado avg
▼
Rate1.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▲ 0.21% above avgNationally 1.96%
Details
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
3 Month
$0
1.35%
▼ 0.13% below Colorado avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▼ 0.13% below avgNationally 1.96%
Details
CoreFirst Bank & Trust
Institution Rating:
A-5.0 ★Texas Ratio: 14.24%
3 months CD
$1,000
0.70%
▼ 0.78% below Colorado avg
▼
Rate0.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▼ 0.78% below avgNationally 1.96%
Details
Native American Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
3 Months
$0
0.60%
▼ 0.88% below Colorado avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▼ 0.88% below avgNationally 1.96%
Details
Native American Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
Business 3 Months
$0
0.60%
▼ 0.88% below Colorado avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▼ 0.88% below avgNationally 1.96%
Details
Native American Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
Business 3 Months
$0
0.55%
▼ 0.93% below Colorado avg
▼
Rate0.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▼ 0.93% below avgNationally 1.96%
Details
FirstOak Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Months
$0
0.55%
▼ 0.93% below Colorado avg
▼
Rate0.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▼ 0.93% below avgNationally 1.96%
Details
Native American Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
Business 3 Months
$0
0.50%
▼ 0.98% below Colorado avg
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▼ 0.98% below avgNationally 1.96%
Details
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
3 Month CD
$10,000
0.25%
▼ 1.23% below Colorado avg
▼
Rate0.25%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▼ 1.23% below avgNationally 1.96%
Details
Annual Percentage Yield calculation based on quarterly compounding. Dividends paid quarterly, early withdrawal penalties apply to all certificates. Rates are subject to change without notice.
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
3 Month CD
$500
0.20%
▼ 1.28% below Colorado avg
▼
Rate0.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▼ 1.28% below avgNationally 1.96%
Details
Dividends paid quarterly, early withdrawal penalties apply to all certificates. Minimum deposit to open and to maintain to earn interest is $500.00. Rates are subject to change without notice.
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
90 Days
$0
0.11%
▼ 1.37% below Colorado avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▼ 1.37% below avgNationally 1.96%
Details
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
3 months
$0
0.10%
▼ 1.38% below Colorado avg
▼
Rate0.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▼ 1.38% below avgNationally 1.96%
Details
The District Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
3 Month Certificate
$500
0.10%
▼ 1.38% below Colorado avg
▼
Rate0.10%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▼ 1.38% below avgNationally 1.96%
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.06%
▼ 1.42% below Colorado avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▼ 1.42% below avgNationally 1.96%
Details
Early withdrawal penalties may apply. Additional terms are available at a branch. Relationship Interest Rate 0.06%.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Interest Rate
$2,500
0.06%
▼ 1.42% below Colorado avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▼ 1.42% below avgNationally 1.96%
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 1.43% below Colorado avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▼ 1.43% below avgNationally 1.96%
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Interest Rate
$2,500
0.05%
▼ 1.43% below Colorado avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.48%▼ 1.43% below avgNationally 1.96%
Details
Relationship Interest Rate 0.06%
Paonia 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: 0.81%
6-Month CD
$1,000
4.35%
▲ 2.62% above Colorado avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 2.62% above avgNationally 2.67%
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
Jumbo Certificates of Deposit & Greater - 6 Month
$0
4.32%
▲ 2.59% above Colorado avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 2.59% above avgNationally 2.67%
Details
$100,000
Bankers Bank of the West
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 months
$50,000
4.18%
▲ 2.45% above Colorado avg
▼
Rate4.18%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 2.45% above avgNationally 2.67%
Details
Interest paid quarterly via ACH to any account designated by the customer institution; Withdrawal before maturity is not permitted; BBW can arrange for the safekeeping of the instrument upon request
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
6 Month CD
$1,000
4.06%
▲ 2.33% above Colorado avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 2.33% above avgNationally 2.67%
Details
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
6 Month CD
$5,000
4.00%
▲ 2.27% above Colorado avg
▼
Rate3.92%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 2.27% above avgNationally 2.67%
Details
Early Withdrawal Penalty: 3 Months of Interest
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
6 Month CD
$0
3.91%
▲ 2.18% above Colorado avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 2.18% above avgNationally 2.67%
Details
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
6 Month Youth CD
$0
3.91%
▲ 2.18% above Colorado avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 2.18% above avgNationally 2.67%
Details
FirsTier Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
6 Month CD
$0
3.90%
▲ 2.17% above Colorado avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 2.17% above avgNationally 2.67%
Details
A penalty may be imposed for early withdrawal. Certificate will automatically renew to a fixed rate CD of the equivalent term with the current rate at renewal. The Annual Percentage Yield is current as of August 24, 2026, and is subject to change at any time without notice.
Westminster Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.90%
6-Month Share Certificate
$0
3.85%
▲ 2.12% above Colorado avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 2.12% above avgNationally 2.67%
Details
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
6 months
$1,000
3.80%
▲ 2.07% above Colorado avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 2.07% above avgNationally 2.67%
Details
Adams Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
6-MONTH CD
$500
3.80%
▲ 2.07% above Colorado avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 2.07% above avgNationally 2.67%
Details
Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
Share/IRA/HSA Certificates 6 months
$0
3.80%
▲ 2.07% above Colorado avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 2.07% above avgNationally 2.67%
Details
NuVista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
6 Month Certificate
$50,000
3.80%
▲ 2.07% above Colorado avg
▼
Rate3.74%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 2.07% above avgNationally 2.67%
Details
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
6 Month
$0
3.80%
▲ 2.07% above Colorado avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 2.07% above avgNationally 2.67%
Details
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
6 Month CD
$0
3.80%
▲ 2.07% above Colorado avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 2.07% above avgNationally 2.67%
Details
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
6 Month Youth CD
$50
3.80%
▲ 2.07% above Colorado avg
▼
Rate3.75%
Min Deposit$50
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 2.07% above avgNationally 2.67%
Details
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
6 month CD
$0
3.80%
▲ 2.07% above Colorado avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 2.07% above avgNationally 2.67%
Details
North Valley Bank Thornton, CO
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$1,000
3.78%
▲ 2.05% above Colorado avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 24, 2026
Colorado Average1.73%▲ 2.05% above avgNationally 2.67%
Details
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
6-Month CD
$0
3.76%
▲ 2.03% above Colorado avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 2.03% above avgNationally 2.67%
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
6-Month Certificate
$0
3.75%
▲ 2.02% above Colorado avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 2.02% above avgNationally 2.67%
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
6-Month IRA Certificate
$0
3.75%
▲ 2.02% above Colorado avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 2.02% above avgNationally 2.67%
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
6 Month Term
$0
3.72%
▲ 1.99% above Colorado avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.99% above avgNationally 2.67%
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
6-Months Certificate
$1,000
3.72%
▲ 1.99% above Colorado avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.99% above avgNationally 2.67%
Details
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
6 month CD
$0
3.70%
▲ 1.97% above Colorado avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.97% above avgNationally 2.67%
Details
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
6-Month CD
$0
3.66%
▲ 1.93% above Colorado avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.93% above avgNationally 2.67%
Details
First FarmBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
6 Month CD
$0
3.65%
▲ 1.92% above Colorado avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.92% above avgNationally 2.67%
Details
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
6 Month
$0
3.65%
▲ 1.92% above Colorado avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.92% above avgNationally 2.67%
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
6 Month CD
$0
3.65%
▲ 1.92% above Colorado avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.92% above avgNationally 2.67%
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
JUMBO certificates 6 Months
$0
3.65%
▲ 1.92% above Colorado avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.92% above avgNationally 2.67%
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
Jumbo IRA CD 6 Months
$0
3.65%
▲ 1.92% above Colorado avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.92% above avgNationally 2.67%
Details
Foothills Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.24%
6 Month
$0
3.65%
▲ 1.92% above Colorado avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.92% above avgNationally 2.67%
Details
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
Share Certificates to 6 Month
$0
3.65%
▲ 1.92% above Colorado avg
▼
Rate3.58%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.92% above avgNationally 2.67%
Details
$9,999.99; $500
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
6 Month
$0
3.60%
▲ 1.87% above Colorado avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.87% above avgNationally 2.67%
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
6 Month
$0
3.60%
▲ 1.87% above Colorado avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.87% above avgNationally 2.67%
Details
Red Rocks Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
6-Months
$0
3.60%
▲ 1.87% above Colorado avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.87% above avgNationally 2.67%
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
6 Months
$0
3.60%
▲ 1.87% above Colorado avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.87% above avgNationally 2.67%
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Certificates of Deposit (CD) 6 Months
$100
3.60%
▲ 1.87% above Colorado avg
▼
Rate3.54%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.87% above avgNationally 2.67%
Details
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
6-Month CD
$0
3.56%
▲ 1.83% above Colorado avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.83% above avgNationally 2.67%
Details
NuVista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
6 Month Certificate
$500
3.55%
▲ 1.82% above Colorado avg
▼
Rate3.49%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.82% above avgNationally 2.67%
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
Super Jumbo Certificates 6 Month
$0
3.55%
▲ 1.82% above Colorado avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.82% above avgNationally 2.67%
Details
$50,000
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
6 Month Certificate
$0
3.55%
▲ 1.82% above Colorado avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.82% above avgNationally 2.67%
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
6 Month CD
$0
3.55%
▲ 1.82% above Colorado avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.82% above avgNationally 2.67%
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
6 Month
$0
3.51%
▲ 1.78% above Colorado avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.78% above avgNationally 2.67%
Details
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
6 Month CD
$500
3.50%
▲ 1.77% above Colorado avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.77% above avgNationally 2.67%
Details
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
6 months
$0
3.50%
▲ 1.77% above Colorado avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.77% above avgNationally 2.67%
Details
High Plains Bank Flagler, CO
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
6 Month CD
$250
3.50%
▲ 1.77% above Colorado avg
▼
Rate3.44%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.77% above avgNationally 2.67%
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
Jumbo Certificates 6 Month
$0
3.50%
▲ 1.77% above Colorado avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.77% above avgNationally 2.67%
Details
$10,000
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
6 Month
$0
3.50%
▲ 1.77% above Colorado avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.77% above avgNationally 2.67%
Details
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
6 MONTHS
$500
3.50%
▲ 1.77% above Colorado avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.77% above avgNationally 2.67%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
6 Month Certificate
$0
3.50%
▲ 1.77% above Colorado avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average1.73%▲ 1.77% above avgNationally 2.67%
Details
Paonia 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
NuVista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
12 Month DREAM Certificate
$100
5.12%
▲ 2.63% above Colorado avg
▼
Rate5.00%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 2.63% above avgNationally 2.83%
Details
DREAM Certificate****; Rate: 5.00%****; APY: 5.12%****
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
12-Month CD
$1,000
4.40%
▲ 1.91% above Colorado avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.91% above avgNationally 2.83%
Details
Bankers Bank of the West
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 months
$50,000
4.22%
▲ 1.73% above Colorado avg
▼
Rate4.22%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.73% above avgNationally 2.83%
Details
Interest paid quarterly via ACH to any account designated by the customer institution; Withdrawal before maturity is not permitted; BBW can arrange for the safekeeping of the instrument upon request
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
12 Month CD
$5,000
4.10%
▲ 1.61% above Colorado avg
▼
Rate4.02%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.61% above avgNationally 2.83%
Details
Early Withdrawal Penalty: 3 Months of Interest
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
Jumbo Certificates of Deposit & Greater - 1 Year
$0
4.06%
▲ 1.57% above Colorado avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.57% above avgNationally 2.83%
Details
$100,000
FirsTier Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
12 Month CD
$0
3.95%
▲ 1.46% above Colorado avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.46% above avgNationally 2.83%
Details
A penalty may be imposed for early withdrawal. Certificate will automatically renew to a fixed rate CD of the equivalent term with the current rate at renewal. The Annual Percentage Yield is current as of August 24, 2026, and is subject to change at any time without notice.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 12 Month
$0
3.89%
▲ 1.40% above Colorado avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.40% above avgNationally 2.83%
Details
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1 year CD
$0
3.87%
▲ 1.38% above Colorado avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.38% above avgNationally 2.83%
Details
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
1 Year CD
$0
3.86%
▲ 1.37% above Colorado avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.37% above avgNationally 2.83%
Details
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
1 Year Youth CD
$0
3.86%
▲ 1.37% above Colorado avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.37% above avgNationally 2.83%
Details
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
12 months
$1,000
3.85%
▲ 1.36% above Colorado avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.36% above avgNationally 2.83%
Details
Yuma County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
12 Months
$50,000
3.82%
▲ 1.33% above Colorado avg
▼
Rate3.75%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.33% above avgNationally 2.83%
Details
Dividends will be compounded and credited semi-yearly. The Annual Percentage Yield (APY) disclosed assumes that dividends remain in the account until maturity. Any withdrawal will reduce earnings. A penalty may be imposed for early withdrawals.
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
1 Year CD
$1,000
3.80%
▲ 1.31% above Colorado avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.31% above avgNationally 2.83%
Details
Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
Share/IRA/HSA Certificates 12 months
$0
3.80%
▲ 1.31% above Colorado avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.31% above avgNationally 2.83%
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1 Year
$0
3.80%
▲ 1.31% above Colorado avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.31% above avgNationally 2.83%
Details
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
12 Month
$1,000
3.80%
▲ 1.31% above Colorado avg
▼
Rate3.41%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.31% above avgNationally 2.83%
Details
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1 year CD
$0
3.76%
▲ 1.27% above Colorado avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.27% above avgNationally 2.83%
Details
North Valley Bank Thornton, CO
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 Year CD
$1,000
3.75%
▲ 1.26% above Colorado avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 24, 2026
Colorado Average2.49%▲ 1.26% above avgNationally 2.83%
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.90%
12-Month Jumbo Share Certificate
$0
3.75%
▲ 1.26% above Colorado avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.26% above avgNationally 2.83%
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.90%
12-Month Share Certificate
$0
3.75%
▲ 1.26% above Colorado avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.26% above avgNationally 2.83%
Details
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
1 Year
$0
3.75%
▲ 1.26% above Colorado avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.26% above avgNationally 2.83%
Details
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
1 Year CD
$0
3.75%
▲ 1.26% above Colorado avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.26% above avgNationally 2.83%
Details
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
1 Year Youth CD
$50
3.75%
▲ 1.26% above Colorado avg
▼
Rate3.70%
Min Deposit$50
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.26% above avgNationally 2.83%
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
12 Month CD
$0
3.75%
▲ 1.26% above Colorado avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.26% above avgNationally 2.83%
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
JUMBO certificates 12 Months
$0
3.75%
▲ 1.26% above Colorado avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.26% above avgNationally 2.83%
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
Jumbo IRA CD 12 Months
$0
3.75%
▲ 1.26% above Colorado avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.26% above avgNationally 2.83%
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
12-Month Certificate
$0
3.75%
▲ 1.26% above Colorado avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.26% above avgNationally 2.83%
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
12-Month IRA Certificate
$0
3.75%
▲ 1.26% above Colorado avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.26% above avgNationally 2.83%
Details
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
12 month CD
$0
3.75%
▲ 1.26% above Colorado avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.26% above avgNationally 2.83%
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
12 Months
$0
3.75%
▲ 1.26% above Colorado avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.26% above avgNationally 2.83%
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Certificates of Deposit (CD) 12 Months
$100
3.75%
▲ 1.26% above Colorado avg
▼
Rate3.69%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.26% above avgNationally 2.83%
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
12 Month
$0
3.74%
▲ 1.25% above Colorado avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.25% above avgNationally 2.83%
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
YOUth Boost 12-Month
$0
3.74%
▲ 1.25% above Colorado avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.25% above avgNationally 2.83%
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1 Year
$0
3.70%
▲ 1.21% above Colorado avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.21% above avgNationally 2.83%
Details
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
12 MONTHS
$100,000
3.70%
▲ 1.21% above Colorado avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.21% above avgNationally 2.83%
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
HSA CD 12 Months
$0
3.70%
▲ 1.21% above Colorado avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.21% above avgNationally 2.83%
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
IRA CD 12 Months
$500
3.70%
▲ 1.21% above Colorado avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.21% above avgNationally 2.83%
Details
Invest a portion of your Traditional or Roth IRA Defer tax payments on Traditional IRA earnings to future withdrawals** Enjoy higher rates than a traditional savings account
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
IRA Jumbo CDs 12 Months
$100,000
3.70%
▲ 1.21% above Colorado avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.21% above avgNationally 2.83%
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Jumbo CD 12 Months
$100,000
3.70%
▲ 1.21% above Colorado avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.21% above avgNationally 2.83%
Details
Typically earns higher interest than traditional CDs with equivalent terms.
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Youth CD 12 Months
$50
3.70%
▲ 1.21% above Colorado avg
▼
Rate—
Min Deposit$50
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.21% above avgNationally 2.83%
Details
Ability to make additional deposits of $25 or more during the term of your CD. Available for members 24 years old and younger-persons under the age of 18 require an adult owner on the account.
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1 year CD
$0
3.66%
▲ 1.17% above Colorado avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.17% above avgNationally 2.83%
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
12 Month CD
$0
3.65%
▲ 1.16% above Colorado avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.16% above avgNationally 2.83%
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
Youth 12 Month certificates
$0
3.65%
▲ 1.16% above Colorado avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.16% above avgNationally 2.83%
Details
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
12 month CD
$0
3.65%
▲ 1.16% above Colorado avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.16% above avgNationally 2.83%
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
12 Month Term
$0
3.61%
▲ 1.12% above Colorado avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.12% above avgNationally 2.83%
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
12-Months Certificate
$1,000
3.61%
▲ 1.12% above Colorado avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.12% above avgNationally 2.83%
Details
NuVista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
12 Month Certificate
$50,000
3.60%
▲ 1.11% above Colorado avg
▼
Rate3.54%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.11% above avgNationally 2.83%
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1 Year
$0
3.60%
▲ 1.11% above Colorado avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.11% above avgNationally 2.83%
Details
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
12 MONTHS
$500
3.60%
▲ 1.11% above Colorado avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.11% above avgNationally 2.83%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
12 Month Certificate
$0
3.60%
▲ 1.11% above Colorado avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.49%▲ 1.11% above avgNationally 2.83%
Details
Paonia 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: 0.81%
18-Month CD
$1,000
4.50%
▲ 1.86% above Colorado avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 1.86% above avgNationally 2.67%
Details
Bankers Bank of the West
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 months
$50,000
4.20%
▲ 1.56% above Colorado avg
▼
Rate4.20%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 1.56% above avgNationally 2.67%
Details
Interest paid quarterly via ACH to any account designated by the customer institution; Withdrawal before maturity is not permitted; BBW can arrange for the safekeeping of the instrument upon request
Yuma County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
18 Months
$50,000
4.08%
▲ 1.44% above Colorado avg
▼
Rate4.00%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 1.44% above avgNationally 2.67%
Details
Dividends will be compounded and credited semi-yearly. The Annual Percentage Yield (APY) disclosed assumes that dividends remain in the account until maturity. Any withdrawal will reduce earnings. A penalty may be imposed for early withdrawals.
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
18 Month CD
$5,000
4.05%
▲ 1.41% above Colorado avg
▼
Rate3.97%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 1.41% above avgNationally 2.67%
Details
Early Withdrawal Penalty: 6 Months of Interest
Yuma County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
18 Months
$10,000
3.82%
▲ 1.18% above Colorado avg
▼
Rate3.75%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 1.18% above avgNationally 2.67%
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
Jumbo Certificates of Deposit & Greater - 18 Month
$0
3.80%
▲ 1.16% above Colorado avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 1.16% above avgNationally 2.67%
Details
$100,000
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
18 month CD
$0
3.65%
▲ 1.01% above Colorado avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 1.01% above avgNationally 2.67%
Details
FirsTier Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.87%
18 Month CD
$0
3.60%
▲ 0.96% above Colorado avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.96% above avgNationally 2.67%
Details
A penalty may be imposed for early withdrawal. Certificate will automatically renew to a fixed rate CD of the equivalent term with the current rate at renewal. The Annual Percentage Yield is current as of August 24, 2026, and is subject to change at any time without notice.
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
18 Month (Variable Rate) IRA Certificate
$500
3.56%
▲ 0.92% above Colorado avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.92% above avgNationally 2.67%
Details
Variable Rate
Yuma County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
18 Months
$500
3.56%
▲ 0.92% above Colorado avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.92% above avgNationally 2.67%
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
18 Month CD
$1,000
3.55%
▲ 0.91% above Colorado avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.91% above avgNationally 2.67%
Details
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
18 month CD
$0
3.55%
▲ 0.91% above Colorado avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.91% above avgNationally 2.67%
Details
Foothills Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.24%
18 Month
$0
3.50%
▲ 0.86% above Colorado avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.86% above avgNationally 2.67%
Details
Credit Union of The Rockies
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
18 Month
$500
3.50%
▲ 0.86% above Colorado avg
▼
Rate3.46%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.86% above avgNationally 2.67%
Details
Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
18 Months
$0
3.40%
▲ 0.76% above Colorado avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.76% above avgNationally 2.67%
Details
Penalty: 180 days interest
Sterling Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
18 month Share Certificate
$1,000
3.35%
▲ 0.71% above Colorado avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.71% above avgNationally 2.67%
Details
Sterling Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Share Certificate / CD 18 month
$1,000
3.35%
▲ 0.71% above Colorado avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.71% above avgNationally 2.67%
Details
Northern Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
18 MONTH IRA CERT
$1,000
3.35%
▲ 0.71% above Colorado avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.71% above avgNationally 2.67%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
18 Month Certificate
$0
3.30%
▲ 0.66% above Colorado avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.66% above avgNationally 2.67%
Details
Equitable Savings and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
IRA 18 MONTH CD
$100
3.25%
▲ 0.61% above Colorado avg
▼
Rate3.20%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.61% above avgNationally 2.67%
Details
Penalty: 6 MO
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
18 Month Certificate
$0
3.25%
▲ 0.61% above Colorado avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.61% above avgNationally 2.67%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Business 18 Month Certificate
$0
3.25%
▲ 0.61% above Colorado avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.61% above avgNationally 2.67%
Details
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
IRA Share Certificate 18 Month
$0
3.25%
▲ 0.61% above Colorado avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.61% above avgNationally 2.67%
Details
Horizons North Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
IRA Share Certificates 18 Month
$0
3.25%
▲ 0.61% above Colorado avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.61% above avgNationally 2.67%
Details
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
18 Month
$500
3.24%
▲ 0.60% above Colorado avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.60% above avgNationally 2.67%
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
Super Jumbo Certificates 18 Month
$0
3.20%
▲ 0.56% above Colorado avg
▼
Rate3.16%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.56% above avgNationally 2.67%
Details
$50,000
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
18 Month Certificate
$500
3.20%
▲ 0.56% above Colorado avg
▼
Rate3.15%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 29, 2026
Colorado Average2.64%▲ 0.56% above avgNationally 2.67%
Details
Integrity Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 8.24%
18 Month
$0
3.19%
▲ 0.55% above Colorado avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.55% above avgNationally 2.67%
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
Jumbo Certificates 18 Month
$0
3.15%
▲ 0.51% above Colorado avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.51% above avgNationally 2.67%
Details
$10,000
Sunwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.67%
18 Month
$0
3.15%
▲ 0.51% above Colorado avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.51% above avgNationally 2.67%
Details
Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
18 Months
$0
3.15%
▲ 0.51% above Colorado avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.51% above avgNationally 2.67%
Details
Penalty: 180 days interest
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
18 Month Term Certificate
$0
3.10%
▲ 0.46% above Colorado avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.46% above avgNationally 2.67%
Details
Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
18 months
$0
3.05%
▲ 0.41% above Colorado avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.41% above avgNationally 2.67%
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
18 Month
$0
3.00%
▲ 0.36% above Colorado avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.36% above avgNationally 2.67%
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
18 Month
$0
2.90%
▲ 0.26% above Colorado avg
▼
Rate2.87%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.26% above avgNationally 2.67%
Details
Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
18 Months
$0
2.90%
▲ 0.26% above Colorado avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.26% above avgNationally 2.67%
Details
Penalty: 180 days interest
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
18 Month
$0
2.80%
▲ 0.16% above Colorado avg
▼
Rate2.77%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.16% above avgNationally 2.67%
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
18 Month
$0
2.70%
▲ 0.06% above Colorado avg
▼
Rate2.67%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▲ 0.06% above avgNationally 2.67%
Details
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
18 Months
$0
2.63%
▼ 0.01% below Colorado avg
▼
Rate2.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▼ 0.01% below avgNationally 2.67%
Details
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
18 Month Certificate
$500
2.50%
▼ 0.14% below Colorado avg
▼
Rate2.47%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▼ 0.14% below avgNationally 2.67%
Details
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
HSA 18 Month Certificate
$0
2.50%
▼ 0.14% below Colorado avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▼ 0.14% below avgNationally 2.67%
Details
Certificates (IRA, HSA)
5Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
18 Month CD/IRA
$1,000
2.45%
▼ 0.19% below Colorado avg
▼
Rate2.42%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▼ 0.19% below avgNationally 2.67%
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Smart Move 18 Month CD
$0
2.40%
▼ 0.24% below Colorado avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▼ 0.24% below avgNationally 2.67%
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Smart Move CD 18 Months
$2,500
2.40%
▼ 0.24% below Colorado avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▼ 0.24% below avgNationally 2.67%
Details
Make a one-time "bump-up" to the interest rate currently offered for the same type certificate account anytime during the original term of your CD. Ability to add a one-time additional deposit of $100 or more to your existing account. Flexibility to make one withdrawal during the account term with no penalty-as long as a minimum balance of $1,000 is left in the account.
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
18 Months
$0
2.05%
▼ 0.59% below Colorado avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▼ 0.59% below avgNationally 2.67%
Details
The District Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
18 Month Certificate
$500
2.05%
▼ 0.59% below Colorado avg
▼
Rate2.03%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▼ 0.59% below avgNationally 2.67%
Details
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
18 month Variable
$0
1.97%
▼ 0.67% below Colorado avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▼ 0.67% below avgNationally 2.67%
Details
Variable Rate Individual Retirement Accounts
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
18 months
$1,000
1.86%
▼ 0.78% below Colorado avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▼ 0.78% below avgNationally 2.67%
Details
Delta County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
18 Month
$2,500
1.76%
▼ 0.88% below Colorado avg
▼
Rate1.75%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▼ 0.88% below avgNationally 2.67%
Details
Native American Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
18 Months
$0
1.56%
▼ 1.08% below Colorado avg
▼
Rate1.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.64%▼ 1.08% below avgNationally 2.67%
Details
Paonia 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: 0.13%
24 Month Variable IRA
$250
4.31%
▲ 1.36% above Colorado avg
▼
Rate4.22%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 1.36% above avgNationally 2.71%
Details
Variable Rate
Bankers Bank of the West
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 months
$50,000
4.21%
▲ 1.26% above Colorado avg
▼
Rate4.21%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 1.26% above avgNationally 2.71%
Details
Interest paid quarterly via ACH to any account designated by the customer institution; Withdrawal before maturity is not permitted; BBW can arrange for the safekeeping of the instrument upon request
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
24-Month CD
$1,000
4.20%
▲ 1.25% above Colorado avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 1.25% above avgNationally 2.71%
Details
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
24 Month CD
$5,000
4.00%
▲ 1.05% above Colorado avg
▼
Rate3.92%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 1.05% above avgNationally 2.71%
Details
Early Withdrawal Penalty: 6 Months of Interest
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
24 months
$1,000
3.90%
▲ 0.95% above Colorado avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.95% above avgNationally 2.71%
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 24 Month
$0
3.90%
▲ 0.95% above Colorado avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.95% above avgNationally 2.71%
Details
Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
24 Months
$0
3.90%
▲ 0.95% above Colorado avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.95% above avgNationally 2.71%
Details
Penalty: 180 days interest
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
JUMBO certificates 24 Months
$0
3.85%
▲ 0.90% above Colorado avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.90% above avgNationally 2.71%
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
Jumbo IRA CD 24 Months
$0
3.85%
▲ 0.90% above Colorado avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.90% above avgNationally 2.71%
Details
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
2 years CD
$0
3.82%
▲ 0.87% above Colorado avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.87% above avgNationally 2.71%
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
Jumbo Certificates of Deposit & Greater - 2 Year
$0
3.80%
▲ 0.85% above Colorado avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.85% above avgNationally 2.71%
Details
$100,000
Ent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
24 Month Standard CD
$500
3.80%
▲ 0.85% above Colorado avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.85% above avgNationally 2.71%
Details
Save with a guaranteed rate that won't sweat if the market dips. Choose the term that fits your long-term savings goals. Rest easy without the hassles of playing the market.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
24 Month
$0
3.75%
▲ 0.80% above Colorado avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.80% above avgNationally 2.71%
Details
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
2 years CD
$0
3.71%
▲ 0.76% above Colorado avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.76% above avgNationally 2.71%
Details
Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
Share/IRA/HSA Certificates 24 months
$0
3.65%
▲ 0.70% above Colorado avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.70% above avgNationally 2.71%
Details
Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
24 Months
$0
3.65%
▲ 0.70% above Colorado avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.70% above avgNationally 2.71%
Details
Penalty: 180 days interest
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
24 month CD
$0
3.65%
▲ 0.70% above Colorado avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.70% above avgNationally 2.71%
Details
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
2 years CD
$0
3.61%
▲ 0.66% above Colorado avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.66% above avgNationally 2.71%
Details
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
24 MONTHS
$100,000
3.60%
▲ 0.65% above Colorado avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.65% above avgNationally 2.71%
Details
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
2 Years CD
$0
3.60%
▲ 0.65% above Colorado avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.65% above avgNationally 2.71%
Details
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
24 Month
$500
3.60%
▲ 0.65% above Colorado avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.65% above avgNationally 2.71%
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
HSA CD 24 Months
$0
3.60%
▲ 0.65% above Colorado avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.65% above avgNationally 2.71%
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
IRA CD 24 Months
$500
3.60%
▲ 0.65% above Colorado avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.65% above avgNationally 2.71%
Details
Invest a portion of your Traditional or Roth IRA Defer tax payments on Traditional IRA earnings to future withdrawals** Enjoy higher rates than a traditional savings account
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
2 Years IRA Certificate
$500
3.57%
▲ 0.62% above Colorado avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.62% above avgNationally 2.71%
Details
Yuma County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
24 Months
$50,000
3.56%
▲ 0.61% above Colorado avg
▼
Rate3.50%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.61% above avgNationally 2.71%
Details
Dividends will be compounded and credited semi-yearly. The Annual Percentage Yield (APY) disclosed assumes that dividends remain in the account until maturity. Any withdrawal will reduce earnings. A penalty may be imposed for early withdrawals.
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
2 Year CD
$1,000
3.55%
▲ 0.60% above Colorado avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.60% above avgNationally 2.71%
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.90%
24-Month Share Certificate
$0
3.55%
▲ 0.60% above Colorado avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.60% above avgNationally 2.71%
Details
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
24 month CD
$0
3.55%
▲ 0.60% above Colorado avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.60% above avgNationally 2.71%
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
24 Month Term
$0
3.51%
▲ 0.56% above Colorado avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.56% above avgNationally 2.71%
Details
North Valley Bank Thornton, CO
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Year CD
$1,000
3.50%
▲ 0.55% above Colorado avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 24, 2026
Colorado Average2.95%▲ 0.55% above avgNationally 2.71%
Details
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
24 MONTHS
$500
3.50%
▲ 0.55% above Colorado avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.55% above avgNationally 2.71%
Details
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
2 Years
$0
3.50%
▲ 0.55% above Colorado avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.55% above avgNationally 2.71%
Details
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
2 Years CD
$0
3.50%
▲ 0.55% above Colorado avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.55% above avgNationally 2.71%
Details
Credit Union of The Rockies
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
24 Month
$500
3.50%
▲ 0.55% above Colorado avg
▼
Rate3.46%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.55% above avgNationally 2.71%
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
24-Month Certificate
$0
3.50%
▲ 0.55% above Colorado avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.55% above avgNationally 2.71%
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
24-Month IRA Certificate
$0
3.50%
▲ 0.55% above Colorado avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.55% above avgNationally 2.71%
Details
Foothills Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.24%
24 Month
$0
3.45%
▲ 0.50% above Colorado avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.50% above avgNationally 2.71%
Details
Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
24 Months
$0
3.40%
▲ 0.45% above Colorado avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.45% above avgNationally 2.71%
Details
Penalty: 180 days interest
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Smart Move 24 Month CD
$0
3.40%
▲ 0.45% above Colorado avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.45% above avgNationally 2.71%
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Smart Move CD 24 Months
$2,500
3.40%
▲ 0.45% above Colorado avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.45% above avgNationally 2.71%
Details
Make a one-time "bump-up" to the interest rate currently offered for the same type certificate account anytime during the original term of your CD. Ability to add a one-time additional deposit of $100 or more to your existing account. Flexibility to make one withdrawal during the account term with no penalty-as long as a minimum balance of $1,000 is left in the account.
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
24 Months
$0
3.40%
▲ 0.45% above Colorado avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.45% above avgNationally 2.71%
Details
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%
▲ 0.45% above Colorado avg
▼
Rate3.35%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.45% above avgNationally 2.71%
Details
Coloramo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.23%
24-Month
$0
3.40%
▲ 0.45% above Colorado avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.45% above avgNationally 2.71%
Details
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
Business 24 Month Certificate
$0
3.35%
▲ 0.40% above Colorado avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.40% above avgNationally 2.71%
Details
Equitable Savings and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
24 MONTH IRA
$2,000
3.35%
▲ 0.40% above Colorado avg
▼
Rate3.30%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.40% above avgNationally 2.71%
Details
Penalty: 9 MO
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
24 Month
$0
3.35%
▲ 0.40% above Colorado avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.40% above avgNationally 2.71%
Details
Northern Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
24 MO EVOLUTION CERT
$100
3.35%
▲ 0.40% above Colorado avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.40% above avgNationally 2.71%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
24 Month Certificate
$0
3.30%
▲ 0.35% above Colorado avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.35% above avgNationally 2.71%
Details
Northern Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
24 MONTH IRA CERT
$1,000
3.26%
▲ 0.31% above Colorado avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.31% above avgNationally 2.71%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
24 Month Certificate
$0
3.25%
▲ 0.30% above Colorado avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.95%▲ 0.30% above avgNationally 2.71%
Details
Paonia 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: 0.13%
36 Month Variable IRA
$250
4.36%
▲ 1.29% above Colorado avg
▼
Rate4.27%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 1.29% above avgNationally 2.66%
Details
Variable Rate
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
36-Month CD
$1,000
4.20%
▲ 1.13% above Colorado avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 1.13% above avgNationally 2.66%
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
JUMBO certificates 36 Months
$0
4.10%
▲ 1.03% above Colorado avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 1.03% above avgNationally 2.66%
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
Jumbo IRA CD 36 Months
$0
4.10%
▲ 1.03% above Colorado avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 1.03% above avgNationally 2.66%
Details
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
3 Years
$500
4.09%
▲ 1.02% above Colorado avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 1.02% above avgNationally 2.66%
Details
Bankers Bank of the West
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 months
$50,000
4.05%
▲ 0.98% above Colorado avg
▼
Rate4.05%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.98% above avgNationally 2.66%
Details
Interest paid quarterly via ACH to any account designated by the customer institution; Withdrawal before maturity is not permitted; BBW can arrange for the safekeeping of the instrument upon request
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
36 Month CD
$5,000
3.95%
▲ 0.88% above Colorado avg
▼
Rate3.87%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.88% above avgNationally 2.66%
Details
Early Withdrawal Penalty: 6 Months of Interest
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 36 Month
$0
3.86%
▲ 0.79% above Colorado avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.79% above avgNationally 2.66%
Details
Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
36 Months
$0
3.85%
▲ 0.78% above Colorado avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.78% above avgNationally 2.66%
Details
Penalty: 180 days interest
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
Jumbo Certificates of Deposit & Greater - 3 Year
$0
3.80%
▲ 0.73% above Colorado avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.73% above avgNationally 2.66%
Details
$100,000
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
36 month CD
$0
3.75%
▲ 0.68% above Colorado avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.68% above avgNationally 2.66%
Details
Ent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
36 Month Flex Certificate
$0
3.75%
▲ 0.68% above Colorado avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.68% above avgNationally 2.66%
Details
Ent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
36-Month Flex Certificate
$0
3.75%
▲ 0.68% above Colorado avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.68% above avgNationally 2.66%
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
36 Month
$0
3.71%
▲ 0.64% above Colorado avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.64% above avgNationally 2.66%
Details
Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
Share/IRA/HSA Certificates 36 months
$0
3.65%
▲ 0.58% above Colorado avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.58% above avgNationally 2.66%
Details
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
36 month CD
$0
3.65%
▲ 0.58% above Colorado avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.58% above avgNationally 2.66%
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
36 Months
$0
3.65%
▲ 0.58% above Colorado avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.58% above avgNationally 2.66%
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Certificates of Deposit (CD) 36 Months
$0
3.65%
▲ 0.58% above Colorado avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.58% above avgNationally 2.66%
Details
Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
36 Months
$0
3.60%
▲ 0.53% above Colorado avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.53% above avgNationally 2.66%
Details
Penalty: 180 days interest
Credit Union of The Rockies
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
36 Month
$500
3.60%
▲ 0.53% above Colorado avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.53% above avgNationally 2.66%
Details
Yuma County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
36 Months
$50,000
3.56%
▲ 0.49% above Colorado avg
▼
Rate3.50%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.49% above avgNationally 2.66%
Details
Dividends will be compounded and credited semi-yearly. The Annual Percentage Yield (APY) disclosed assumes that dividends remain in the account until maturity. Any withdrawal will reduce earnings. A penalty may be imposed for early withdrawals.
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
36 Month Term
$0
3.56%
▲ 0.49% above Colorado avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.49% above avgNationally 2.66%
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
3 Year CD
$1,000
3.55%
▲ 0.48% above Colorado avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.48% above avgNationally 2.66%
Details
Equitable Savings and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
36 MONTH IRA
$2,000
3.46%
▲ 0.39% above Colorado avg
▼
Rate3.40%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.39% above avgNationally 2.66%
Details
Penalty: 12 MO
Westminster Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.90%
36-Month Jumbo Share Certificate
$0
3.45%
▲ 0.38% above Colorado avg
▼
Rate3.39%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.38% above avgNationally 2.66%
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.90%
36-Month Share Certificate
$0
3.45%
▲ 0.38% above Colorado avg
▼
Rate3.39%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.38% above avgNationally 2.66%
Details
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
Business 36 Month Certificate
$0
3.40%
▲ 0.33% above Colorado avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.33% above avgNationally 2.66%
Details
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
36 MONTHS
$100,000
3.40%
▲ 0.33% above Colorado avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.33% above avgNationally 2.66%
Details
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
36 Month
$0
3.40%
▲ 0.33% above Colorado avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.33% above avgNationally 2.66%
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
36-Month Certificate
$0
3.40%
▲ 0.33% above Colorado avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.33% above avgNationally 2.66%
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
36-Month IRA Certificate
$0
3.40%
▲ 0.33% above Colorado avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.33% above avgNationally 2.66%
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
HSA CD 36 Months
$0
3.40%
▲ 0.33% above Colorado avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.33% above avgNationally 2.66%
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
IRA CD 36 Months
$500
3.40%
▲ 0.33% above Colorado avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.33% above avgNationally 2.66%
Details
Invest a portion of your Traditional or Roth IRA Defer tax payments on Traditional IRA earnings to future withdrawals** Enjoy higher rates than a traditional savings account
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
36 Months
$0
3.40%
▲ 0.33% above Colorado avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.33% above avgNationally 2.66%
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Certificates of Deposit (CD) 36 Months
$100
3.40%
▲ 0.33% above Colorado avg
▼
Rate3.35%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.33% above avgNationally 2.66%
Details
Coloramo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.23%
36-Month
$0
3.40%
▲ 0.33% above Colorado avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.33% above avgNationally 2.66%
Details
Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
36 Months
$0
3.35%
▲ 0.28% above Colorado avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.28% above avgNationally 2.66%
Details
Penalty: 180 days interest
Foothills Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.24%
36 Month
$0
3.35%
▲ 0.28% above Colorado avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.28% above avgNationally 2.66%
Details
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3 years CD
$0
3.30%
▲ 0.23% above Colorado avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.23% above avgNationally 2.66%
Details
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
36 MONTHS
$500
3.30%
▲ 0.23% above Colorado avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.23% above avgNationally 2.66%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
36 Month Certificate
$0
3.30%
▲ 0.23% above Colorado avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.23% above avgNationally 2.66%
Details
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
3 Years CD
$0
3.30%
▲ 0.23% above Colorado avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.23% above avgNationally 2.66%
Details
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
36 Month Certificate
$500
3.30%
▲ 0.23% above Colorado avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 29, 2026
Colorado Average3.07%▲ 0.23% above avgNationally 2.66%
Details
North Valley Bank Thornton, CO
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Year CD
$1,000
3.25%
▲ 0.18% above Colorado avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 24, 2026
Colorado Average3.07%▲ 0.18% above avgNationally 2.66%
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
3 Year
$0
3.25%
▲ 0.18% above Colorado avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.18% above avgNationally 2.66%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
36 Month Certificate
$0
3.25%
▲ 0.18% above Colorado avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.18% above avgNationally 2.66%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Business 36 Month Certificate
$0
3.25%
▲ 0.18% above Colorado avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.18% above avgNationally 2.66%
Details
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
36 Month
$500
3.23%
▲ 0.16% above Colorado avg
▼
Rate3.19%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.16% above avgNationally 2.66%
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
IRA 36 Month CD
$0
3.20%
▲ 0.13% above Colorado avg
▼
Rate3.16%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.13% above avgNationally 2.66%
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
Super Jumbo Certificates 36 Month
$0
3.20%
▲ 0.13% above Colorado avg
▼
Rate3.16%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.07%▲ 0.13% above avgNationally 2.66%
Details
$50,000
Paonia 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%
JUMBO certificates 48 Months
$0
4.25%
▲ 1.50% above Colorado avg
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 1.50% above avgNationally 2.65%
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
Jumbo IRA CD 48 Months
$0
4.25%
▲ 1.50% above Colorado avg
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 1.50% above avgNationally 2.65%
Details
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
48-Month CD
$1,000
4.20%
▲ 1.45% above Colorado avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 1.45% above avgNationally 2.65%
Details
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
4 Years
$500
4.09%
▲ 1.34% above Colorado avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 1.34% above avgNationally 2.65%
Details
Bankers Bank of the West
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 months
$50,000
3.98%
▲ 1.23% above Colorado avg
▼
Rate3.98%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 1.23% above avgNationally 2.65%
Details
Interest paid quarterly via ACH to any account designated by the customer institution; Withdrawal before maturity is not permitted; BBW can arrange for the safekeeping of the instrument upon request
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 48 Month
$0
3.86%
▲ 1.11% above Colorado avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 1.11% above avgNationally 2.65%
Details
Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
48 Months
$0
3.85%
▲ 1.10% above Colorado avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 1.10% above avgNationally 2.65%
Details
Penalty: 180 days interest
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
48 month CD
$0
3.85%
▲ 1.10% above Colorado avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 1.10% above avgNationally 2.65%
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
Jumbo Certificates of Deposit & Greater - 4 Year
$0
3.80%
▲ 1.05% above Colorado avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 1.05% above avgNationally 2.65%
Details
$100,000
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
48 month CD
$0
3.75%
▲ 1.00% above Colorado avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 1.00% above avgNationally 2.65%
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
48 Month
$0
3.71%
▲ 0.96% above Colorado avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.96% above avgNationally 2.65%
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
48 Months
$0
3.70%
▲ 0.95% above Colorado avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.95% above avgNationally 2.65%
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Certificates of Deposit (CD) 48 Months
$0
3.70%
▲ 0.95% above Colorado avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.95% above avgNationally 2.65%
Details
Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
48 Months
$0
3.60%
▲ 0.85% above Colorado avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.85% above avgNationally 2.65%
Details
Penalty: 180 days interest
Credit Union of The Rockies
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
48 Month
$500
3.60%
▲ 0.85% above Colorado avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.85% above avgNationally 2.65%
Details
Equitable Savings and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
48 MONTH IRA
$2,000
3.56%
▲ 0.81% above Colorado avg
▼
Rate3.50%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.81% above avgNationally 2.65%
Details
Penalty: 3 MO+
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
48 Month Term
$0
3.56%
▲ 0.81% above Colorado avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.81% above avgNationally 2.65%
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
4 Year CD
$1,000
3.55%
▲ 0.80% above Colorado avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.80% above avgNationally 2.65%
Details
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
Business 48 Month Certificate
$0
3.45%
▲ 0.70% above Colorado avg
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.70% above avgNationally 2.65%
Details
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
48 Month
$0
3.45%
▲ 0.70% above Colorado avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.70% above avgNationally 2.65%
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
48 Months
$0
3.45%
▲ 0.70% above Colorado avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.70% above avgNationally 2.65%
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Certificates of Deposit (CD) 48 Months
$100
3.45%
▲ 0.70% above Colorado avg
▼
Rate3.40%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.70% above avgNationally 2.65%
Details
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
48 MONTHS
$100,000
3.40%
▲ 0.65% above Colorado avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.65% above avgNationally 2.65%
Details
Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
48 Months
$0
3.35%
▲ 0.60% above Colorado avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.60% above avgNationally 2.65%
Details
Penalty: 180 days interest
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
48 Month Certificate
$500
3.35%
▲ 0.60% above Colorado avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 29, 2026
Colorado Average2.75%▲ 0.60% above avgNationally 2.65%
Details
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
48 MONTHS
$500
3.30%
▲ 0.55% above Colorado avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.55% above avgNationally 2.65%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
48 Month Certificate
$0
3.30%
▲ 0.55% above Colorado avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.55% above avgNationally 2.65%
Details
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
4 Years CD
$0
3.30%
▲ 0.55% above Colorado avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.55% above avgNationally 2.65%
Details
Foothills Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.24%
48 Month
$0
3.30%
▲ 0.55% above Colorado avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.55% above avgNationally 2.65%
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
48-Month Certificate
$0
3.30%
▲ 0.55% above Colorado avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.55% above avgNationally 2.65%
Details
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
48-Month IRA Certificate
$0
3.30%
▲ 0.55% above Colorado avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.55% above avgNationally 2.65%
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
4 Year
$0
3.25%
▲ 0.50% above Colorado avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.50% above avgNationally 2.65%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
48 Month Certificate
$0
3.25%
▲ 0.50% above Colorado avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.50% above avgNationally 2.65%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Business 48 Month Certificate
$0
3.25%
▲ 0.50% above Colorado avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.50% above avgNationally 2.65%
Details
Weld Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
Regular and IRA Certificates of Deposit - 48 Month Term
$500
3.25%
▲ 0.50% above Colorado avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.50% above avgNationally 2.65%
Details
Weld Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
Youth Certificates of Deposit - 48 Month Term
$100
3.25%
▲ 0.50% above Colorado avg
▼
Rate3.20%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.50% above avgNationally 2.65%
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
IRA 48 Month CD
$0
3.20%
▲ 0.45% above Colorado avg
▼
Rate3.16%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.45% above avgNationally 2.65%
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
Super Jumbo Certificates 48 Month
$0
3.20%
▲ 0.45% above Colorado avg
▼
Rate3.16%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.45% above avgNationally 2.65%
Details
$50,000
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
4 Years
$0
3.20%
▲ 0.45% above Colorado avg
▼
Rate3.16%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.45% above avgNationally 2.65%
Details
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
4 Years CD
$0
3.20%
▲ 0.45% above Colorado avg
▼
Rate3.16%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.45% above avgNationally 2.65%
Details
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
48 Month
$2,500
3.19%
▲ 0.44% above Colorado avg
▼
Rate3.15%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.44% above avgNationally 2.65%
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
Jumbo Certificates 48 Month
$0
3.15%
▲ 0.40% above Colorado avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.40% above avgNationally 2.65%
Details
$10,000
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
4 Year
$0
3.15%
▲ 0.40% above Colorado avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.40% above avgNationally 2.65%
Details
Grand Valley Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
48 Months
$500
3.10%
▲ 0.35% above Colorado avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.35% above avgNationally 2.65%
Details
.25% bonus for Star and Senior Accounts!
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
48 Month Term Certificate
$0
3.10%
▲ 0.35% above Colorado avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.35% above avgNationally 2.65%
Details
Northern Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
48 MONTH IRA CERT
$1,000
3.10%
▲ 0.35% above Colorado avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.35% above avgNationally 2.65%
Details
Red Rocks Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
48-Months
$0
3.10%
▲ 0.35% above Colorado avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.35% above avgNationally 2.65%
Details
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
48 Months
$0
3.09%
▲ 0.34% above Colorado avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.34% above avgNationally 2.65%
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
4 Year
$0
3.05%
▲ 0.30% above Colorado avg
▼
Rate3.02%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.30% above avgNationally 2.65%
Details
Sunwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.67%
48 Month
$0
3.05%
▲ 0.30% above Colorado avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average2.75%▲ 0.30% above avgNationally 2.65%
Details
Paonia 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: 0.13%
60 Month Variable IRA
$250
4.48%
▲ 1.43% above Colorado avg
▼
Rate4.39%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 1.43% above avgNationally 2.76%
Details
Variable Rate
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
60-Month CD
$1,000
4.20%
▲ 1.15% above Colorado avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 1.15% above avgNationally 2.76%
Details
Ent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
60 Month Certificate
$0
4.15%
▲ 1.10% above Colorado avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 1.10% above avgNationally 2.76%
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
JUMBO certificates 60 Months
$0
4.10%
▲ 1.05% above Colorado avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 1.05% above avgNationally 2.76%
Details
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
Jumbo IRA CD 60 Months
$0
4.10%
▲ 1.05% above Colorado avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 1.05% above avgNationally 2.76%
Details
Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
60 Months
$0
4.10%
▲ 1.05% above Colorado avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 1.05% above avgNationally 2.76%
Details
Penalty: 180 days interest
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
5 Years IRA Certificate
$500
4.09%
▲ 1.04% above Colorado avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 1.04% above avgNationally 2.76%
Details
Bankers Bank of the West
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 months
$50,000
3.99%
▲ 0.94% above Colorado avg
▼
Rate3.99%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.94% above avgNationally 2.76%
Details
Interest paid quarterly via ACH to any account designated by the customer institution; Withdrawal before maturity is not permitted; BBW can arrange for the safekeeping of the instrument upon request
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 60 Month
$0
3.97%
▲ 0.92% above Colorado avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.92% above avgNationally 2.76%
Details
Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
60 Months
$0
3.85%
▲ 0.80% above Colorado avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.80% above avgNationally 2.76%
Details
Penalty: 180 days interest
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
60 month CD
$0
3.85%
▲ 0.80% above Colorado avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.80% above avgNationally 2.76%
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
60 Month
$0
3.81%
▲ 0.76% above Colorado avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.76% above avgNationally 2.76%
Details
Colorado Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
60 Month CD
$5,000
3.80%
▲ 0.75% above Colorado avg
▼
Rate3.73%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.75% above avgNationally 2.76%
Details
Early Withdrawal Penalty: 6 Months of Interest
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
Jumbo Certificates of Deposit & Greater - 5 Year
$0
3.80%
▲ 0.75% above Colorado avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.75% above avgNationally 2.76%
Details
$100,000
Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
Share/IRA/HSA Certificates 60 month
$0
3.75%
▲ 0.70% above Colorado avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.70% above avgNationally 2.76%
Details
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
60 month CD
$0
3.75%
▲ 0.70% above Colorado avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.70% above avgNationally 2.76%
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
60 Months
$0
3.70%
▲ 0.65% above Colorado avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.65% above avgNationally 2.76%
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Certificates of Deposit (CD) 60 Months
$0
3.70%
▲ 0.65% above Colorado avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.65% above avgNationally 2.76%
Details
Equitable Savings and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
60 MONTH IRA
$2,000
3.67%
▲ 0.62% above Colorado avg
▼
Rate3.60%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.62% above avgNationally 2.76%
Details
Penalty: 3 MO+
Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
60 Months
$0
3.60%
▲ 0.55% above Colorado avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.55% above avgNationally 2.76%
Details
Penalty: 180 days interest
Credit Union of The Rockies
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
60 Month
$500
3.60%
▲ 0.55% above Colorado avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.55% above avgNationally 2.76%
Details
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
5 Year CD
$1,000
3.55%
▲ 0.50% above Colorado avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.50% above avgNationally 2.76%
Details
ANB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
Business 60 Month Certificate
$0
3.51%
▲ 0.46% above Colorado avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.46% above avgNationally 2.76%
Details
Credit Union Of Denver
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
60 Month
$0
3.50%
▲ 0.45% above Colorado avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.45% above avgNationally 2.76%
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.90%
IRA Certificate (Traditional & Roth) 5 Year
$1,000
3.45%
▲ 0.40% above Colorado avg
▼
Rate3.39%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.40% above avgNationally 2.76%
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.90%
IRA Certificates (Traditional & Roth) 5 Year
$1,000
3.45%
▲ 0.40% above Colorado avg
▼
Rate3.39%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.40% above avgNationally 2.76%
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
60 Months
$0
3.45%
▲ 0.40% above Colorado avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.40% above avgNationally 2.76%
Details
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Certificates of Deposit (CD) 60 Months
$100
3.45%
▲ 0.40% above Colorado avg
▼
Rate3.40%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.40% above avgNationally 2.76%
Details
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
60 MONTHS
$100,000
3.40%
▲ 0.35% above Colorado avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.35% above avgNationally 2.76%
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
HSA CD 60 Months
$0
3.40%
▲ 0.35% above Colorado avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.35% above avgNationally 2.76%
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
IRA CD 60 Months
$500
3.40%
▲ 0.35% above Colorado avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.35% above avgNationally 2.76%
Details
Invest a portion of your Traditional or Roth IRA Defer tax payments on Traditional IRA earnings to future withdrawals** Enjoy higher rates than a traditional savings account
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
60 Month Certificate
$500
3.40%
▲ 0.35% above Colorado avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 29, 2026
Colorado Average3.05%▲ 0.35% above avgNationally 2.76%
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
5 Year
$0
3.30%
▲ 0.25% above Colorado avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.25% above avgNationally 2.76%
Details
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
60 MONTHS
$500
3.30%
▲ 0.25% above Colorado avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.25% above avgNationally 2.76%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
60 Month Certificate
$0
3.30%
▲ 0.25% above Colorado avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.25% above avgNationally 2.76%
Details
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
5 Years CD
$0
3.30%
▲ 0.25% above Colorado avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.25% above avgNationally 2.76%
Details
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
60 Month
$2,500
3.29%
▲ 0.24% above Colorado avg
▼
Rate3.25%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.24% above avgNationally 2.76%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
60 Month Certificate
$0
3.25%
▲ 0.20% above Colorado avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.20% above avgNationally 2.76%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Business 60 Month Certificate
$0
3.25%
▲ 0.20% above Colorado avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.20% above avgNationally 2.76%
Details
Weld Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
Regular and IRA Certificates of Deposit - 60 Month Term
$500
3.25%
▲ 0.20% above Colorado avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.20% above avgNationally 2.76%
Details
Weld Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
Youth Certificates of Deposit - 60 Month Term
$100
3.25%
▲ 0.20% above Colorado avg
▼
Rate3.20%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.20% above avgNationally 2.76%
Details
Foothills Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.24%
60 Month
$0
3.25%
▲ 0.20% above Colorado avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.20% above avgNationally 2.76%
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
IRA 60 Month CD
$0
3.20%
▲ 0.15% above Colorado avg
▼
Rate3.16%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.15% above avgNationally 2.76%
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
Super Jumbo Certificates 60 Month
$0
3.20%
▲ 0.15% above Colorado avg
▼
Rate3.16%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.15% above avgNationally 2.76%
Details
$50,000
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
5 Year
$0
3.20%
▲ 0.15% above Colorado avg
▼
Rate3.16%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.15% above avgNationally 2.76%
Details
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
60 Months
$0
3.20%
▲ 0.15% above Colorado avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.15% above avgNationally 2.76%
Details
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
5 Years
$0
3.20%
▲ 0.15% above Colorado avg
▼
Rate3.16%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.15% above avgNationally 2.76%
Details
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
5 Years CD
$0
3.20%
▲ 0.15% above Colorado avg
▼
Rate3.16%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.15% above avgNationally 2.76%
Details
Northern Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
60 MONTH IRA CERT
$1,000
3.20%
▲ 0.15% above Colorado avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.15% above avgNationally 2.76%
Details
Aurora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
Jumbo Certificates 60 Month
$0
3.15%
▲ 0.10% above Colorado avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Colorado Average3.05%▲ 0.10% above avgNationally 2.76%
Details
$10,000
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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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Paonia, CO CD Rate Trends
Compare local Paonia, 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
2.488%
▼ 0.528 vs 7 days ago
Colorado 12-month CD rates fell 0.528 points over the past 7 days to 2.488% APY.
6-Month CD — CO Avg
1.733%
▼ 1.221 vs 7 days ago
Colorado 6-month CD rates fell 1.221 points over the past 7 days to 1.733% APY.
As of Aug 30, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
CO CD Rate Forecast — Next 12 Months
Where are Colorado CD rates headed through August 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
CO 12-Month Avg APY
2.488%
6-Month Forecast
2.488%
Range: 2.29% – 2.64%
12-Month Forecast
2.238%
Range: 2.04% – 2.39%
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What Your Savings Earn at CO CD Rates Today
Annual interest earnings at today’s Colorado average APYs. State average used where available; national average as fallback.
| CD Term | CO Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.475% | $73.77 | $147.54 | $368.85 | $737.70 |
| 6-Month CD | 1.733% | $86.67 | $173.34 | $433.35 | $866.70 |
| 12-Month CD | 2.488% | $124.40 | $248.79 | $621.97 | $1,243.95 |
| 18-Month CD | 2.643% | $132.14 | $264.27 | $660.68 | $1,321.35 |
| 24-Month CD | 2.950% | $147.52 | $295.03 | $737.57 | $1,475.15 |
| 36-Month CD | 3.068% | $153.41 | $306.82 | $767.05 | $1,534.10 |
| 48-Month CD | 2.753% | $137.66 | $275.32 | $688.30 | $1,376.60 |
| 60-Month CD | 3.051% | $152.53 | $305.05 | $762.63 | $1,525.25 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of August 29, 2026. | |||||
Sample CD Ladder for Paonia, 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 | 1.475% | $73.77 |
| 2 | 6-Month CD | $5,000 | 1.733% | $86.67 |
| 3 | 12-Month CD | $5,000 | 2.488% | $124.40 |
| 4 | 24-Month CD | $5,000 | 2.950% | $147.52 |
| 5 | 36-Month CD | $5,000 | 3.068% | $153.41 |
| Total ($25,000 invested) | $25,000 | 2.343% blended | $585.77/yr | |
Ladder example uses equal $5,000 rungs and Colorado average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
577
CD Rates
Tracked in Paonia, Colorado
Tracked in Paonia, Colorado
28 Banks
39 Credit Unions
About Our Paonia, Colorado CD Rate Database
MonitorBankRates tracks 577 CD rates from 28 banks and 39 credit unions with locations in Paonia, 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: NuVista Federal Credit Union offers a CD at 5.12% APY with a minimum deposit of $100. Use the rate table above to compare all current offers in Paonia, Colorado.
How to Find the Best CD Rates in Paonia, Colorado
What to compare when shopping for a CD in Paonia, Colorado
To find the best APYs in Paonia, Colorado, start with credit unions and online-only banks — Paonia, Colorado has 39 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Paonia, 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 Paonia, Colorado — 67 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days — compare Paonia, 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 Paonia, Colorado money market rates
Paonia, Colorado Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
26.6%
National avg: 17.3%
Median Individual Earnings
$52,813
National avg: $47,340
Poverty Rate
17.1%
National avg: 11.1%
Unemployment Rate
5.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$131/yr
At CO 12-mo avg 2.488% APY
26.6% of residents are 65 or older — above the national average of 17.3% — making fixed-rate CDs a particularly relevant savings vehicle in this market. At today’s CO 12-month CD average of 2.488%, saving 10% of the local median salary ($5,281/year) and putting it in a CD would earn an additional $131 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 Paonia, 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 Paonia, 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 Paonia, 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 Paonia, Colorado as everywhere in the U.S.
Choosing a CD Term in Paonia, 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 Paonia, 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 Paonia, 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 Paonia, 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 Paonia, 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 Paonia, 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 Paonia, Colorado
Most CDs carry a fixed rate that is locked for the entire term, protecting a Paonia, 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 Paonia, Colorado
Are CD rates in Paonia, Colorado FDIC insured?
Yes, most established banks in Paonia, 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 Paonia, 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 Paonia, 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 Paonia, 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 Paonia, Colorado?
Here are recent top rates found for this area:
- NuVista Federal Credit Union: 5.12% APY (12 Month DREAM Certificate)
- United Fidelity Bank: 4.50% APY (18-Month CD)
- 5Star Bank: 4.48% APY (60 Month Variable IRA)
- The Dolores State Bank: 4.32% APY (Jumbo Certificates of Deposit & Greater - 6 Month)
- On Tap Credit Union: 4.25% APY (JUMBO certificates 48 Months)
- Bankers Bank of the West: 4.22% APY (12 months)
- Ent Credit Union: 4.15% APY (60 Month Certificate)
- Colorado Federal Savings Bank: 4.10% APY (12 Month CD)
- Options Credit Union: 4.10% APY (60 Months)
- Gunnison S&L: 4.09% APY (3 Years)
Rates reflect recent verified offers available in Paonia, Colorado. Last Updated: August 29, 2026
Paonia, 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 Paonia, 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 Paonia, Colorado
Paonia, Colorado CD Calculator
At today’s CO top rate of 5.12% APY, a $10,000 deposit earns $512 in the first year. Enter your amount to see your exact return.
Paonia, Colorado CD LadderCO CD rates currently range from 1.475% (3-month) to 3.068% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Paonia, Colorado CD at 5.12% 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 2.488% 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 Paonia, 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 Paonia, 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 Paonia, Colorado. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in CO.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: August 29, 2026
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