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Colorado Credit Union IRA CD Rates 2019

If you have your savings dollars in a big bank or a bank with low savings rates, then you are losing money. We've found FDIC insured banks that will pay you more. Take a few minutes to explore the options below and see how you can boost your savings by more than 6X the national average rate. There is competition for your money. Take advantage of it!

CO - November 21, 2019

Advertiser Disclosure
Credit UnionS APY Months MIN Miles?
Blue
Restrictions
2.75% 17 $100,000 -
2.70% 60 $1,000 -
Blue
Restrictions
2.63% 17 $75,000 -
2.60% 48 $1,000 -
Blue
Restrictions
2.50% 17 $50,000 -
2.50% 36 $1,000 -
Melrose
Restrictions
2.42% - $5,000 -
Aurora
Restrictions
2.40% - $500 -
Blue
Restrictions
2.38% 17 $25,000 -
Blue
Restrictions
2.30% 17 $10,000 -
Blue
Restrictions
2.25% 17 $2,000 -
2.25% - $1,000 -
Bellco
Restrictions
2.15% - $500 -
Denver Community
Restrictions
2.15% 8 $100 -
2.10% - $1,000 -
First Technology
Restrictions
2.10% - $500 -
Aventa
Restrictions
2.07% - $500 -
Denver Community
Restrictions
2.06% - $100 -
Partner Colorado
Restrictions
2.05% - $500 -
Pikes Peak
Restrictions
2.05% - $500 -
2.02% - $500 -
2.02% - $1,000 -
Coloramo
Restrictions
2.00% - $1,000 -
Chevron
Restrictions
2.00% - $500 -
On Tap
Restrictions
2.00% - $500 -
Ent
Restrictions
2.00% - $500 -
Peoples
Restrictions
1.97% - $50 -
Foothills
Restrictions
1.96% - $1,000 -
Security Service
Restrictions
1.90% 15 $50,000 -
1.90% - $500 -
Aurora Schools
Restrictions
1.86% - $500 -
Security Service
Restrictions
1.85% 15 $25,000 -
Columbine
Restrictions
1.85% - $1,000 -
1.85% - $1,000 -
Arapahoe
Restrictions
1.85% - $1 -
Colorado
Restrictions
1.85% - $500 -
Northern Colorado
Restrictions
1.82% - $1,000 -
1.80% - $100 -
Security Service
Restrictions
1.80% 15 $500 -
Fitzsimons
Restrictions
1.75% - $500 -
Unify Financial
Restrictions
1.75% - $1,000 -
Metrum Community
Restrictions
1.75% - $1,000 -
Sooper
Restrictions
1.75% - $500 -
Power
Restrictions
1.71% - $500 -
Altra
Restrictions
1.70% 31 $1,000 -
Pueblo Horizons
Restrictions
1.60% - $500 -
Westminster
Restrictions
1.60% - $500 -
Premier Members
Restrictions
1.60% - $500 -
Sterling
Restrictions
1.56% - $1,000 -
Rio Grande
Restrictions
1.56% - $10,000 -
White Crown
Restrictions
1.56% - $1,000 -
1.55% - $500 -
1.55% - $500 -
Canvas
Restrictions
1.50% - $2,500 -
Westerra
Restrictions
1.50% - $500 -
Delta County
Restrictions
1.46% - $2,500 -
Air Academy
Restrictions
1.45% - $500 -
Altra
Restrictions
1.45% 13 $1,000 -
Blue
Restrictions
1.35% - $2,000 -
1.26% - $2,500 -
1.26% - $500 -
1.21% - $1,000 -
Guadalupe Parish
Restrictions
1.11% - $500 -
Elevations
Restrictions
1.00% - $500 -
Altra
Restrictions
0.95% - $1,000 -
Space Age
Restrictions
0.75% - $500 -
Nuvista
Restrictions
0.75% - $2,000 -
0.70% - $1,000 -
0.65% - $500 -
Western Rockies
Restrictions
0.60% - $1,000 -
0.40% - $500 -
0.40% - $500 -
Weld Community
Restrictions
0.10% - $500 -
All rates listed are Annual Percentage Yield (APY). The APY rate in a savings account or money market account is a variable rate that is subject to change at any point. The Min listed is the minimum deposit account balance required to obtain the rate listed.


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PRODUCT INFORMATION


Fixed Rate IRA CDs

Fixed Rate IRA CDs are CDs that are held within an Individual Retirement Account (IRA) or a Roth Retirement Account. In an IRA, the funds are deposited pre-tax and allowed to accumulate tax free. When the individual retires, they are withdrawn and all earnings are taxed at the prevailing tax rate. Because individuals generally have lower incomes upon retirement, the tax rate is lower than what it would have been during their working years.

With a Roth IRA, post-tax funds are deposited into the account and the money is allowed to accumulate and be withdrawn tax free.

If the funds are withdrawn before retirement age 59 1/2, the individual will be required to pay a 10% penalty on top of any taxes owed. There are some exceptions to this rule. Fund can be withdrawn penalty free if they are used to pay for education at an IRA qualifying institution or in the purchase of a house.

Advantages to a FIRA

  • Money grows in a tax-advantaged way.
  • Funds are FDIC insured, just like a regular CD.
  • Interest rates on FIRAs are often higher than the same terms for a CD.
  • Some flexibility in withdrawing the money early for first time homebuyers and education expenses.

Disadvantages to a FIRA

  • Returns may not be as high as stocks, bonds, mutual funds.
  • Funds cannot be withdrawn until 59 1/2 without penalty (except for IRS approved expenses).
  • If interest rates rise during the term of the FIRA, money will be stuck in lower yielding account.

Please click here for more information on fixed rate IRA CDs.

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