Fort Morgan, Colorado Savings Rates for October 2026
Brian McKay
Brian McKay
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Fort Morgan, Colorado savings account rates range from 0.01% to 6.50% APY, verified by MonitorBankRates as of October 31, 2026. The best savings rates for Fort Morgan, Colorado and the surrounding area include Wells FargoWells Fargo123 E Kiowa Ave, Fort Morgan, CO 80701A+5.0 ★Texas Ratio: 5.36%Real return: -0.45%APY minus 3.7% CPIRate verified Oct 31, 2026 Platinum Savings - New Savings Customers at 3.25% APY, Sterling Federal Credit UnionSterling Federal Credit Union709 E Railroad Ave, Fort Morgan, CO 80701A+5.0 ★Texas Ratio: 0.01%Real return: -2.19%APY minus 3.7% CPIRate verified Oct 28, 2026 Regular Shares at 1.51% APY, Golden Belt Bank, FSAGolden Belt Bank, FSA321 Ensign St, Fort Morgan, CO 80701A+5.0 ★Texas Ratio: 4.37%Real return: -3.55%APY minus 3.7% CPIRate verified Oct 31, 2026 Business Statement Savings at 0.15% APY, Equitable Savings and Loan AssociationEquitable Savings and Loan Association331 Main St, Fort Morgan, CO 80701A+5.0 ★Texas Ratio: 2.08%Real return: -3.60%APY minus 3.7% CPIRate verified Oct 26, 2026 MMA-NONPERSONAL at 0.10% APY, and Air Academy Federal Credit UnionAir Academy Federal Credit UnionA+5.0 ★Texas Ratio: 3.50%Real return: +2.80%APY minus 3.7% CPIRate verified Oct 29, 2026 Reverse Tier Savings Account at 6.50% APY.
Fort Morgan has 17 local institutions in our database, with savings rates as high as 3.25% APY from Wells Fargo at 123 E Kiowa Ave, Fort Morgan, CO 80701. Use the table below to compare all available offers, including options from institutions serving the broader Colorado area. Rates are continually updated, so we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Fort Morgan, Colorado and the surrounding area. Last Updated and Verified: October 31, 2026
Compare the Best Savings Rates in Fort Morgan, Colorado & Surrounding Communities
California counties only; Balance: $25,000 or more; Rate is variable; requires deposit and maintenance of $25,000 or more in new Platinum Savings within 30 days; new savings customers only
Minimum balance to earn stated APY: $100; Dividends paid quarterly, compounded quarterly
Balance: No minimum; Minimum daily balance to earn stated APY
Balance: 50,000.00 and over
Balance: 50,000.00 and over
Variable rate - Annual Percentage Yield may change after account is opened.
California counties only; Balance: $0 or more; When linked to Premier Checking or Checking
CA Bay Area counties only; Balance: $0 or more
Balance: 25,000.00 and over
Balance: 25,000.00 and over
California counties only; Balance: $0 or more; When linked to Prime Checking or Checking
Balance: 2,500.00 and over
Balance: 2,500.00 and over
California counties only; Balance: $0 or more; Avoid $12 monthly service fee with $3,500 minimum daily balance
- Sep 27, 20260.01%▼ from 0.02%
- Sep 18, 20260.02%first recorded
California counties only; Balance: $0 or more; $25 minimum opening deposit
Balance: Less Than 2,500.00
Balance: Less Than 2,500.00
Balance: $0.00 - $2,000.00
Balance: $0-$2,000
Balance: $0-1,000
Balance: $0.00 - $1,000.00; Tier 1
Balance: $100.00 - $5,000.99; APY dividend of 5.00% earned on balances $100.00 to $5,000.99; balances $5,001.00 and above earn 0.20% APY; requires open checking account under the same membership number; must be 22 years or older; one per Social Security or Taxpayer Identification Number; rates subject to change without notice after account opening
Balance: $0-$2,000; limit of one per member
Balance: $0.01 - $2,000.00; Compounded/Credited Monthly; Limit 1 per Member
Balance: $100 to $10,000; Available only to new members during the first thirty (30) days from the date of opening a membership; Variable rate account
Balance: $1,000+; Interest compounded daily and paid monthly; APY is variable and subject to change; Minimum balance to earn the advertised APY is $1,000
Balance: All Balances; Interest compounded daily; Open online; $5 monthly fee if paper statements received; rates effective as of 10/23/2026
Qualifying balance up to $999.99
Online Savings Account; Eligibility Restrictions Apply: new customer only (has not maintained a savings account with the bank in the prior 60 days); Qualifications: New Customer
Online Savings Account; Qualifications:
APY range printed as 3.85% APY to 3.90% APY; ACH-only access, six withdrawals per monthly statement cycle; Accounts available for individuals only
Balance: $500,000 and up; Minimum balance to earn APY: $0.01
Minimum deposit of $500 to open; minimum balance of $0.01 required to earn the advertised APY; no account fees; FDIC insured up to $250,000 per account owner
Balance: $5,000 and over
- Oct 14, 20263.75%▲ from 0.25%
- Sep 24, 20260.25%first recorded
Effective 12/19/2025; Maximum deposit $3,000,000
Effective 12/19/2025; Maximum deposit $3,000,000
Earn up to 3.50% APY when you are an account owner of a Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card and have a Combined Qualifying Balance (CQB) of at least $25,000; APYs may vary by location; Monthly maintenance fee $5, waivable
Requires an open Premium Perks Checking Account; $5,000.00 minimum balance to open and to earn the advertised APY
Balance: $5MM and over
- Oct 20, 20263.40%▲ from 3.25%
- Oct 14, 20263.25%first recorded
Effective 12/19/2025; Maximum deposit $3,000,000
Balance: All Balances; Interest compounded daily; Only $100 minimum to open; No monthly fee; $5 monthly fee if you receive paper statements; Online account opening
Effective 12/19/2025; Maximum deposit $3,000,000
Effective 12/19/2025; Maximum deposit $3,000,000
Effective 12/19/2025; Maximum deposit $3,000,000
Effective 12/19/2025; Maximum deposit $3,000,000
Dividends Credited: Monthly
(rate applies to savings account only); Dividends Credited: Monthly
Effective 12/19/2025; Maximum deposit $3,000,000
Balance: $5,000.00 to $2,000,000.99; Requires open Huntington Perks Checking account; Rates effective as of Monday, October 19, 2026
Balance: $5,000.00 to $2,000,000.99; Requires open Huntington Platinum Perks Checking account; Rates effective as of Monday, October 19, 2026
Balance: $0.01-$1,000; APY and interest rate may change after account opening
Balance: $15,000 and over
- Oct 9, 20263.04%▲ from 2.78%
- Sep 14, 20262.78%first recorded
Evolution Savings Rates effective Monday, August 1, 2022; Balance: $0.00 minimum; Accounts for ages 0-26
Balance tier: $25,000.01; Compounded: Monthly; Limit 1 per Member; If balance is below $25,000, rate earns 0.00% dividend; If minimum balance of $25,000 is met, funds up to $100,000 earn 3% APY
Balance: All Balances
Balance: $5.00 - $2,500.00; available to members up through age 18; APY dividend of 2.96% earned on balances $5.00-$2,500.00; balances over $2,500.00 earn 0.20% APY; Minimum Balance/Average Daily Balance: $5/$5
Balance: $5.00 - $1,000.00; Earn 3.0% APY on first $1,000; Available to members age 0-21
- Oct 5, 20263.00%▼ from 3.00%
- Sep 14, 20263.00%first recorded
Only one Peak Savings Account per SSN; requires an open Peak Checking account, otherwise changed to a personal savings account at the prevailing rate; three withdrawals allowed per month, $10 fee for each additional withdrawal
Only one Peak Savings Account per SSN; requires an open Peak Checking account to qualify; three withdrawals allowed per month, $10 excess withdrawal fee per additional withdrawal
Requires a Cash Custodial Agreement with DFDFCU
- Oct 28, 20262.75%▲ from 2.70%
- Oct 8, 20262.70%▲ from 2.60%
- Sep 25, 20262.60%first recorded
Balance: $0 - $2,000
Balance: $250,000+; Tiered variable rate account; $5 fee per withdrawal for 4 or more withdrawals per month; Membership required
Balance: $50,000-$249,999; Tiered variable rate account; $5 fee per withdrawal for 4 or more withdrawals per month; Membership required
Balance: $1,000,000 and over; Savings & IRA
Balance: $250,000.00 & Up; Compounded/Credited: Monthly
- Oct 10, 20262.10%▲ from 1.85%
- Sep 14, 20261.85%first recorded
Ages: 0-17; Balance: $5 up to $1,000; Compounds Monthly; Youth Account has a $5.00 minimum balance to open
Balance: $25,000-$49,999; Tiered variable rate account; $5 fee per withdrawal for 4 or more withdrawals per month; Membership required
Balance: $100,000 and up
Balance: $500,000 - $999,999; Savings & IRA
Balance: $75,000 - $249,999.99; Compounded/Credited: Monthly
- Oct 10, 20261.90%▲ from 1.65%
- Sep 14, 20261.65%first recorded
Balance: $250,000 - $499,999; Savings & IRA
Balance: $10,000 and above
- Oct 28, 20261.75%▲ from 1.66%
- Sep 25, 20261.66%first recorded
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Fort Morgan, CO Savings Rate Trends
Compare local Fort Morgan, CO savings rate quotes against the statewide average
Daily savings rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Colorado high-yield savings rates fell 0.136 points over the past 7 days to 2.172% APY, down from 2.308%.
Colorado standard savings rates fell 0.017 points over the past 7 days to 0.513% APY, down from 0.530%.
Fort Morgan, Colorado Savings Rate Forecast, Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current CO high-yield average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Savings account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current CO high-yield savings average of 2.172% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60 to 90 days. High-yield online savings rates tend to adjust faster than standard branch-based savings rates.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Fort Morgan, Colorado.
Savings Account Earnings in Fort Morgan, Colorado
Annual interest earnings at current CO average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (2.172% APY) | Monthly Earnings | Standard Savings (0.513% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $108.59 / year | $9.05 | $25.65 / year | $2.14 |
| $10,000 | $217.17 / year | $18.10 | $51.30 / year | $4.27 |
| $25,000 | $542.93 / year | $45.24 | $128.25 / year | $10.69 |
| $50,000 | $1,085.85 / year | $90.49 | $256.50 / year | $21.38 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, and daily balance maintained. Rates are variable and subject to change. Source: Fort Morgan, Colorado savings rate averages as of October 31, 2026. | ||||
About Our Fort Morgan, Colorado Savings Rate Database
MonitorBankRates found 4 institutions with branches in Fort Morgan (3 banks, 1 credit union), plus 31 additional state-chartered and national online institutions available to Fort Morgan residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Wells Fargo offers a savings account at 3.25% APY with a minimum deposit of $25. Use the rate table above to compare all current offers in Fort Morgan, Colorado.
How to Find the Best Savings Rates in Fort Morgan, Colorado
What to compare when shopping for a savings account in Fort Morgan, Colorado
To find the best savings APYs in Fort Morgan, Colorado, start with credit unions and online-only banks: Fort Morgan, Colorado has 22 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate. APY reflects compounding and is the true measure of what you’ll earn. Savings accounts that compound daily earn slightly more than those compounding monthly at the same stated rate. The current CO high-yield savings average is 2.172% but top local institutions are offering as high as 3.25%, so shopping around pays off.
Unlike a CD, savings account rates are variable. Your rate can change at any time with Federal Reserve policy. Many institutions offer elevated introductory rates that reset after a promotional period. Review your account periodically to ensure your APY remains competitive.
When a High-Yield Savings Account Makes Sense
- Emergency fund: Financial experts recommend 3 to 6 months of expenses in a liquid, FDIC-insured account. Fort Morgan, Colorado high-yield savings rates currently average 2.172% APY, far above a typical checking account.
- Short-term savings goals (6 to 24 months): If you may need the money soon, a savings account gives you immediate access without early withdrawal penalties.
- Parking cash between investments: A high-yield savings account at Fort Morgan, Colorado institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 35 institutions in Fort Morgan, Colorado report savings rates to our database.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return Fort Morgan, Colorado CD rates
- You want check-writing flexibility Fort Morgan, Colorado money market rates
- You need daily transaction access Fort Morgan, Colorado checking rates
Fort Morgan, Colorado Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau
15.3% of residents are 65 or older, below the national average of 17.3%; an unemployment rate of 6.4% (vs. 4.8% nationally) underscores the value of keeping liquid emergency savings. At today’s CO high-yield savings average of 2.172%, saving 10% of the local median salary ($3,927/year) would earn an additional $85 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Fort Morgan, Colorado Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Fort Morgan, Colorado.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current CO Avg APY | 2.172% | 0.513% | View MMA Rates | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✗ No | ✗ No | ✓ Often yes | ✗ No |
| Debit / ATM Card | Some institutions | ✗ Rarely | ✓ Often yes | ✗ No |
| Typical Min Deposit | $0 to $100 | $25 to $100 | $0 to $2,500 | $500 to $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Active savers wanting flexibility + check writing | Locking in a rate for a defined period |
APY data reflects Fort Morgan, Colorado averages tracked in our database as of October 31, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Fort Morgan, Colorado
At CO’s top rate of 3.25% from Wells Fargo, a $10,000 deposit earns $325 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Fort Morgan, Colorado earner is roughly $9,800. At 2.172% APY, saving $820/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsColorado’s high-yield savings average is 2.172% APY, variable and always accessible. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Fort Morgan, Colorado earner makes $39,270/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 2.172% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 2.172% APY grows to roughly $38,420 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Fort Morgan, Colorado savings 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 Savings Rate Data: We aggregate savings account rates for Fort Morgan, Colorado directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every savings rate displayed 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 Fort Morgan, Colorado. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to large national institutions available to savers in CO.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Fort Morgan, Colorado
What are savings account rates in Fort Morgan, Colorado today?
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Fort Morgan, Colorado safe?
How often do savings rates change in Fort Morgan, Colorado?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Fort Morgan, Colorado?
How do I open a savings account in Fort Morgan, Colorado?
Best Savings Rates in Fort Morgan, Colorado
- Wells Fargo
Platinum Savings - New Savings Customers: 3.25% APY - Sterling Federal Credit Union
Regular Shares: 1.51% APY - Golden Belt Bank, FSA
Business Statement Savings: 0.15% APY - Equitable Savings and Loan Association
MMA-NONPERSONAL: 0.10% APY - Air Academy Federal Credit Union
Reverse Tier Savings Account: 6.50% APY
Fort Morgan, Colorado Rates & Resources
