Lakewood, Colorado Savings Rates - September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current savings account rates for Lakewood, Colorado and the surrounding area range from 2.01% to 4.07% APY across the five banks and credit unions featured below, verified by MonitorBankRates as of September 28, 2026. The best savings rates for Lakewood, Colorado and the surrounding area include Solera National BankSolera National Bank319 S Sheridan Blvd, Lakewood, CO 80226A5.0 ★Texas Ratio: 11.66%Real return: +1.27%APY minus 2.8% CPI (February 2026) Money Market High Yield Savings at 4.07% APY, Credit Union Of ColoradoCredit Union Of Colorado9140 W 6th Ave, Lakewood, CO 80215A+5.0 ★Texas Ratio: 4.37%Real return: +0.50%APY minus 2.8% CPI (February 2026) Everyday Account w/High-Yield Savings at 3.30% APY, Bellco Credit UnionBellco Credit Union570 S Wadsworth Blvd, Lakewood, CO 80226A5.0 ★Texas Ratio: 9.71%Real return: +0.45%APY minus 2.8% CPI (February 2026) Youth Savings at 3.25% APY, The Huntington National BankThe Huntington National Bank15111 Detroit Ave, Lakewood, OH 44107A5.0 ★Texas Ratio: 6.08%Real return: -0.40%APY minus 2.8% CPI (February 2026) High-Yield Savings at 2.40% APY, and Credit Union Of DenverCredit Union Of Denver9305 W ALAMEDA AVE, LAKEWOOD, CO 80226A+5.0 ★Texas Ratio: 2.33%Real return: -0.79%APY minus 2.8% CPI (February 2026) Youth Share Accounts (Age 0-17) at 2.01% APY.
Lakewood has 40 local institutions in our database, with savings rates as high as 4.07% APY from Solera National Bank at 319 S Sheridan Blvd, Lakewood, CO 80226. 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 Lakewood, Colorado and the surrounding area. Last Updated and Verified: September 28, 2026
Compare the Best Savings Rates in Lakewood, Colorado & Surrounding Communities
APY is variable and subject to change. Interest rate is 4.00%. Minimum balance to earn the advertised APY is $1,000. Interest compounds daily and is paid monthly.
(rate applies to savings account only)
Balance: $0.01 - $1,000
Balance: $10,000.01-$25,000
Published APY range: 2.40%-4.00%; Published rate range: 2.38%-3.94%. Rates based on zip code and with a minimum of $5,000 not currently deposited at Huntington. Get your variable rate after opening a Huntington Relationship Savings Account when you maintain deposits of $5,000.00 - $2,000,000.99. Balances $2,000,001.00 and above will earn 0.01% (0.01% APY). Balances below $5,000.00 will earn 0.01% (0.01% APY). Fees may reduce earnings. When your balance falls into a specific rate tier, your entire balance will earn the applicable rate in effect for that tier. Offer is limited to one per household. We also reserve the right to limit acceptance of deposits greater than $2,000,000.00. Not valid with any other offer. Initial minimum opening deposit to earn the higher interest rate on the HRSA is $5,000.00 and must be "New Money" which is defined as money that is not currently on deposit in any Huntington account (except maturing CDs).
Balance: $0-$10,000
Balance: $5 up to $1,000
Balance: $10,000+
Balance: $5,000 - $9,999
Balance: $2,500 - $4,999
opening deposit required
Balance: $0 - $2,499
Dividends Credited: Quarterly
opening deposit required
Balance: $25.01+
When linked to Premier Checking. Balance: $0 or more. Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
Balance: $0 or more
Balance: $1,000.01 and above
Balance: $100 +
Balance: $100 or more+
Balance: $100 - or more
Balance: All balances
When linked to Prime Checking. Balance: $0 or more. Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
Balance: $0.01 to $4,999.99; With Huntington Perks Checking**
Balance: $0 or more. Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
- Sep 27, 20260.01%▼ from 0.02%
- Sep 18, 20260.02%first recorded
Balance: $0 or more
Balance: $0.01 to $4,999.99; Non-Relationship Rate
Balance: $100 to $999.99*
Balance: $100 to $999.99*
Balance: $0.00 - $2,000.00
Balance: $0-$2,000
Balance: $0-1,000
Earn 5.00% APY on balances up to $1,000.00. Dividends compounded daily and paid monthly. Limit one Accelerated Savings Account type per social security number.
Accelerate It Savings2: APY dividend of 5.00% is earned on balances $100.00 to $5,000.99. Balances $5,001.00 and above will receive APY of 0.20%. One Accelerate It Savings per Social Security or Taxpayer Identification Number. You must have an open checking account located under the same membership number as the Accelerate It Savings account. If your checking account is closed for any reason, your Accelerate It Savings account will convert to a Regular Savings account. You must be 22 years or older to open an Accelerate It Savings account. Rate offers accurate as of 06/01/2025. APY is accurate as of the last dividend declaration date. Other rates and terms available. Fees may reduce earnings on the account. Membership eligibility required.
- Sep 18, 20265.00%▼ from 5.00%
- Sep 14, 20265.00%first recorded
Balance: $0.01 - $2,000.00
Balance: $100 to $10,000
All Balances. Fees may reduce earnings on the account. No monthly fee. Vio Bank is a division of MidFirst Bank, and Vio Bank deposits are considered MidFirst Bank deposits for purposes of FDIC coverage. There is a $5 monthly fee if you receive paper statements.
New Customer***
Published APY range: 3.85% to 3.90%. Annual Percentage Yield as of July 16, 2026. Rate is variable and may change after the account is open.
Balance: 60 Month
Balance: 12 Month
- Sep 25, 20263.81%▲ from 3.79%
- Sep 21, 20263.79%first recorded
$5,000
Maximum Deposit $3,000,000; The interest rates and Annual Percentage Yield (APY) are effective 12/19/2025
Maximum Deposit $3,000,000; The interest rates and Annual Percentage Yield (APY) are effective 12/19/2025
Maximum Deposit $3,000,000; The interest rates and Annual Percentage Yield (APY) are effective 12/19/2025
All Balances
Maximum Deposit $3,000,000; The interest rates and Annual Percentage Yield (APY) are effective 12/19/2025
Maximum Deposit $3,000,000; The interest rates and Annual Percentage Yield (APY) are effective 12/19/2025
Maximum Deposit $3,000,000; The interest rates and Annual Percentage Yield (APY) are effective 12/19/2025
Maximum Deposit $3,000,000; The interest rates and Annual Percentage Yield (APY) are effective 12/19/2025
Maximum Deposit $3,000,000; The interest rates and Annual Percentage Yield (APY) are effective 12/19/2025
Balance: $5MM and over
Balance: $0.00 - $500.00
Compounded/Credited: Monthly
Balance: $25,000 - $99,999.99
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.
Lakewood, CO Savings Rate Trends
Compare local Lakewood, 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 0.003 points over the past 7 days to 1.965% APY, down from 1.968%.
Colorado standard savings rates fell 0.002 points over the past 7 days to 0.812% APY, down from 0.814%.
Lakewood, 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 2026–2027.
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 1.965% 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 60–90 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 Lakewood, Colorado.
Savings Account Earnings in Lakewood, 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 (1.965% APY) | Monthly Earnings | Standard Savings (0.812% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $98.26 / year | $8.19 | $40.60 / year | $3.38 |
| $10,000 | $196.52 / year | $16.38 | $81.20 / year | $6.77 |
| $25,000 | $491.30 / year | $40.94 | $203.00 / year | $16.92 |
| $50,000 | $982.60 / year | $81.88 | $406.00 / year | $33.83 |
| 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: Lakewood, Colorado savings rate averages as of September 28, 2026. | ||||
About Our Lakewood, Colorado Savings Rate Database
MonitorBankRates found 12 institutions with branches in Lakewood (7 banks, 5 credit unions), plus 16 additional state-chartered and national online institutions available to Lakewood 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: Solera National Bank offers a savings account at 4.07% APY. Use the rate table above to compare all current offers in Lakewood, Colorado.
How to Find the Best Savings Rates in Lakewood, Colorado
What to compare when shopping for a savings account in Lakewood, Colorado
To find the best savings APYs in Lakewood, Colorado, start with credit unions and online-only banks: Lakewood, Colorado has 15 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 1.965% but top local institutions are offering as high as 4.07%, 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 3–6 months of expenses in a liquid, FDIC-insured account. Lakewood, Colorado high-yield savings rates currently average 1.965% APY, far above a typical checking account.
- Short-term savings goals (6–24 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 Lakewood, Colorado institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 28 institutions in Lakewood, 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 → Lakewood, Colorado CD rates
- You want check-writing flexibility → Lakewood, Colorado money market rates
- You need daily transaction access → Lakewood, Colorado checking rates
Lakewood, Colorado Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau
17.9% of residents are 65 or older, in line with the national average of 17.3%. At today’s CO high-yield savings average of 1.965%, saving 10% of the local median salary ($5,171/year) would earn an additional $102 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Lakewood, Colorado Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Lakewood, Colorado.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current CO Avg APY | 1.965% | 0.812% | 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 – $100 | $25 – $100 | $0 – $2,500 | $500 – $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 Lakewood, Colorado averages tracked in our database as of September 28, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Lakewood, Colorado
At CO’s top rate of 4.07% from Solera National Bank, a $10,000 deposit earns $407 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Lakewood, Colorado earner is roughly $12,900. At 1.965% APY, saving $1,080/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 1.965% 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 Lakewood, Colorado earner makes $51,713/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 1.965% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 1.965% APY grows to roughly $36,896 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 Lakewood, 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 Lakewood, Colorado directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. 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 Lakewood, 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 Lakewood, Colorado
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Lakewood, Colorado safe?
How often do savings rates change in Lakewood, 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 Lakewood, Colorado?
How do I open a savings account in Lakewood, Colorado?
Best Savings Rates in Lakewood, Colorado
- Solera National Bank
Money Market High Yield Savings: 4.07% APY - Credit Union Of Colorado
Everyday Account w/High-Yield Savings: 3.30% APY - Bellco Credit Union
Youth Savings: 3.25% APY - The Huntington National Bank
High-Yield Savings: 2.40% APY - Credit Union Of Denver
Youth Share Accounts (Age 0-17): 2.01% APY
Lakewood, Colorado Rates & Resources
