Lakewood, Colorado Savings Rates for November 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Lakewood, Colorado savings account rates range from 0.01% to 5.00% APY, verified by MonitorBankRates as of November 12, 2026. The best savings rates for Lakewood, Colorado and the surrounding area include Canvas Credit UnionCanvas Credit Union7575 W 5th Ave, Lakewood, CO 80226A5.0 ★Texas Ratio: 9.20%Real return: +1.30%APY minus 3.7% CPIRate verified Nov 8, 2026 Reverse Tier Savings Account at 5.00% APY, Wells FargoWells Fargo317 Main St, Lakewood, NJ 08701A+5.0 ★Texas Ratio: 5.36%Real return: -0.20%APY minus 3.7% CPIRate verified Nov 11, 2026 Platinum Savings at 3.50% APY, US BankUS Bank1415 Carr St, Lakewood, CO 80214A+5.0 ★Texas Ratio: 2.85%Real return: -0.20%APY minus 3.7% CPIRate verified Nov 11, 2026 Bank Smartly Savings Account at 3.50% APY, Credit Union Of ColoradoCredit Union Of Colorado9140 W 6th Ave, Lakewood, CO 80215A+5.0 ★Texas Ratio: 4.37%Real return: -0.40%APY minus 3.7% CPIRate verified Nov 8, 2026 Everyday Account w/High-Yield Savings at 3.30% APY, and The Huntington National BankThe Huntington National Bank15111 Detroit Ave, Lakewood, OH 44107A+5.0 ★Texas Ratio: 3.66%Real return: -0.45%APY minus 3.7% CPIRate verified Nov 11, 2026 Relationship Savings Account at 3.25% APY.
Lakewood has 60 local institutions in our database, with savings rates as high as 5.00% APY from Canvas Credit Union at 7575 W 5th Ave, 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: November 12, 2026
Compare the Best Savings Rates in Lakewood, Colorado & Surrounding Communities
Balance: $0-$2,000; No min to open. No min balance. No service fees. Limit of one Reverse Tier Savings Account per member.
Balance: $25,000 or more; CA Bay Area counties only; New Wells Fargo savings customers only; requires $25,000 within 30 days of opening; balance $0-$24,999.99 earns standard or relationship rates; avoid $12 monthly service fee with $3,500 minimum daily balance
- Nov 11, 20263.50%▲ from 3.25%
- Oct 14, 20263.25%first recorded
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
Dividends Credited: Monthly
(rate applies to savings account only); Dividends Credited: Monthly
Requires an open Huntington Perks Checking; Balance: $5,000.00 to $2,000,000.99; Requires open Huntington Perks Checking account; Rates effective as of Monday, October 19, 2026
- Nov 11, 20263.25%▲ from 0.01%
- Sep 14, 20260.01%first recorded
Balance: $0.01-$1,000; APY and interest rate may change after account opening
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
Balance: $5,000.00 - $2,000,000.99; APY range 2.40%-4.00% and rate range 2.38%-3.94% based on zip code; variable rate, subject to change; minimum $5,000 new money not currently deposited at Huntington; Relationship Savings Account; $10 monthly fee if average daily balance below $2,500 and no qualifying checking account
Balance: $1,000,000 and over; Savings & IRA
Ages: 0-17; Balance: $5 up to $1,000; Compounds Monthly; Youth Account has a $5.00 minimum balance to open
Balance: $500,000 - $999,999; Savings & IRA
Balance: $250,000 - $499,999; Savings & IRA
Balance: $100,000 - $249,999; Savings & IRA
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 rose 0.034 points over the past 7 days to 2.234% APY, up from 2.200%.
Colorado standard savings rates fell 0.017 points over the past 7 days to 0.545% APY, down from 0.562%.
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 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 2.234% 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 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 (2.234% APY) | Monthly Earnings | Standard Savings (0.545% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $111.71 / year | $9.31 | $27.26 / year | $2.27 |
| $10,000 | $223.42 / year | $18.62 | $54.51 / year | $4.54 |
| $25,000 | $558.55 / year | $46.55 | $136.28 / year | $11.36 |
| $50,000 | $1,117.10 / year | $93.09 | $272.55 / year | $22.71 |
| 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 November 12, 2026. | ||||
About Our Lakewood, Colorado Savings Rate Database
MonitorBankRates found 16 institutions with branches in Lakewood (9 banks, 7 credit unions), plus 7 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 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: Canvas Credit Union offers a savings account at 5.00% 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 7 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 2.234% but top local institutions are offering as high as 5.00%, 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. Lakewood, Colorado high-yield savings rates currently average 2.234% 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 Lakewood, Colorado institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 23 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 2.234%, saving 10% of the local median salary ($5,171/year) would earn an additional $116 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 | 2.234% | 0.545% | 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 Lakewood, Colorado averages tracked in our database as of November 12, 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 5.00% from Canvas Credit Union, a $10,000 deposit earns $500 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 2.234% 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 2.234% 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 2.234% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 2.234% APY grows to roughly $38,892 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 are savings account rates in Lakewood, Colorado today?
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
- Canvas Credit Union
Reverse Tier Savings Account: 5.00% APY - Wells Fargo
Platinum Savings: 3.50% APY - US Bank
Bank Smartly Savings Account: 3.50% APY - Credit Union Of Colorado
Everyday Account w/High-Yield Savings: 3.30% APY - The Huntington National Bank
Relationship Savings Account: 3.25% APY
Lakewood, Colorado Rates & Resources
