Credit Union CD Rates Colorado 2023

Below are the best one year CD Rates from credit unions in Colorado. One year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and money market counterparts.

CO - February 7, 2023

1 Year CD National Average : 0.43% ^?

Credit Unions	APY	MIN	MILES ^?
Navy Federal Credit Union Restrictions	4.85%	$50	-	Learn More Reviews (18)
Navy Federal Credit Union Restrictions	4.45%	$100,000	-	Learn More Reviews (18)
Navy Federal Credit Union Restrictions	4.40%	$1,000	-	Learn More Reviews (18)
Navy Federal Credit Union Restrictions	4.35%	$50	-	Learn More Reviews (18)
Security Service Restrictions	2.25%	$100,000	-	Learn More Reviews
First Technology Restrictions	2.20%	$50,000	-	Learn More Reviews
Security Service Restrictions	2.15%	$500	-	Learn More Reviews
First Technology Restrictions	2.15%	$500	-	Learn More Reviews
American Airlines Restrictions	2.02%	$1,000	-	Learn More Reviews (1)
Ent Restrictions	1.62%	$500	-	Learn More Reviews
Guadalupe Parish Restrictions	0.96%	$100,000	-	Learn More Reviews
Denver Fire Department Restrictions	0.95%	$10,000	-	Learn More Reviews
Operating Engineers Local Union #3 Restrictions	0.95%	$10,000	-	Learn More Reviews
Farmers Insurance Group Restrictions	0.90%	$100,000	-	Learn More Reviews
Westminster Restrictions	0.90%	$10,000	-	Learn More Reviews
Aurora Schools Restrictions	0.85%	$100,000	-	Learn More Reviews
Blue Restrictions	0.85%	$50,000	-	Learn More Reviews
Space Age Restrictions	0.80%	$50,000	-	Learn More Reviews
Columbine Restrictions	0.80%	$100,000	-	Learn More Reviews
Colorado Restrictions	0.80%	$100,000	-	Learn More Reviews
Pikes Peak Restrictions	0.80%	$10,000	-	Learn More Reviews
Air Academy Restrictions	0.80%	$10,000	-	Learn More Reviews
Sooper Restrictions	0.80%	$100,000	-	Learn More Reviews
Blue Restrictions	0.80%	$1,000	-	Learn More Reviews
Fitzsimons Restrictions	0.75%	$500	-	Learn More Reviews
Rocky Mountain Law Enforcement Restrictions	0.75%	$10,000	-	Learn More Reviews
Credit Union Of Denver Restrictions	0.75%	$50,000	-	Learn More Reviews
Together Restrictions	0.75%	$10,000	-	Learn More Reviews
Chevron Restrictions	0.75%	$100,000	-	Learn More Reviews
Farmers Insurance Group Restrictions	0.75%	$10,000	-	Learn More Reviews
On Tap Restrictions	0.75%	$100,000	-	Learn More Reviews
Columbine Restrictions	0.70%	$10,000	-	Learn More Reviews
Sunwest Restrictions	0.70%	$10,000	-	Learn More Reviews
Aurora Restrictions	0.70%	$100,000	-	Learn More Reviews
White Crown Restrictions	0.70%	$100,000	-	Learn More Reviews
Chevron Restrictions	0.70%	$10,000	-	Learn More Reviews
On Tap Restrictions	0.70%	$10,000	-	Learn More Reviews
Coloramo Restrictions	0.70%	$10,000	-	Learn More Reviews
Minnequa Works	0.70%	$10,000	-	Learn More Reviews
Aurora Schools Restrictions	0.70%	$10,000	-	Learn More Reviews
Space Age Restrictions	0.70%	$10,000	-	Learn More Reviews
Sooper Restrictions	0.70%	$10,000	-	Learn More Reviews
Sterling Restrictions	0.65%	$10,000	-	Learn More Reviews
Grand Junction	0.65%	$10,000	-	Learn More Reviews
Foothills Restrictions	0.65%	$10,000	-	Learn More Reviews
Partner Colorado Restrictions	0.65%	$100,000	-	Learn More Reviews
Colorado Restrictions	0.65%	$10,000	-	Learn More Reviews
Holyoke Community Restrictions	0.65%	$100,000	-	Learn More Reviews
Aurora Restrictions	0.65%	$10,000	-	Learn More Reviews
Northern Colorado Restrictions	0.65%	$100,000	-	Learn More Reviews
Guadalupe Parish Restrictions	0.65%	$10,000	-	Learn More Reviews
White Crown Restrictions	0.60%	$10,000	-	Learn More Reviews
Mountain River	0.60%	$100,000	-	Learn More Reviews
Aventa Restrictions	0.60%	$10,000	-	Learn More Reviews
Westerra Restrictions	0.60%	$100,000	-	Learn More Reviews
Northern Colorado Restrictions	0.60%	$10,000	-	Learn More Reviews
Holyoke Community Restrictions	0.60%	$10,000	-	Learn More Reviews
Denver Community Restrictions	0.55%	$10,000	-	Learn More Reviews
Premier Members Restrictions	0.55%	$100,000	-	Learn More Reviews (1)
Power Restrictions	0.55%	$50,000	-	Learn More Reviews
Yuma County	0.55%	$100,000	-	Learn More Reviews
Partner Colorado Restrictions	0.55%	$10,000	-	Learn More Reviews
San Juan Mountains Restrictions	0.51%	$10,000	-	Learn More Reviews
Altra Restrictions	0.50%	$10,000	-	Learn More Reviews
Rio Grande Restrictions	0.50%	$10,000	-	Learn More Reviews
Credit Union Of Colorado, A Restrictions	0.50%	$100,000	-	Learn More Reviews
Unify Financial Restrictions	0.50%	$10,000	-	Learn More Reviews (1)
Metrum Community Restrictions	0.50%	$100,000	-	Learn More Reviews
Credit Union Of Denver Restrictions	0.50%	$10,000	-	Learn More Reviews
Pueblo Government Agencies Restrictions	0.50%	$10,000	-	Learn More Reviews
Canvas Restrictions	0.50%	$1,000	-	Learn More Reviews
Westerra Restrictions	0.50%	$10,000	-	Learn More Reviews
Mountain River	0.50%	$10,000	-	Learn More Reviews
Haxtun Community	0.50%	$100,000	-	Learn More Reviews
Metrum Community Restrictions	0.45%	$10,000	-	Learn More Reviews
Premier Members Restrictions	0.45%	$10,000	-	Learn More Reviews (1)
Credit Union Of The Rockies Restrictions	0.45%	$100,000	-	Learn More Reviews
Power Restrictions	0.45%	$500	-	Learn More Reviews
Yuma County	0.45%	$10,000	-	Learn More Reviews
Delta County Restrictions	0.40%	$10,000	-	Learn More Reviews
Credit Union Of Colorado, A Restrictions	0.40%	$25,000	-	Learn More Reviews
Credit Union Of The Rockies Restrictions	0.40%	$10,000	-	Learn More Reviews
Red Rocks Restrictions	0.35%	$10,000	-	Learn More Reviews
Harmony	0.35%	$10,000	-	Learn More Reviews
Bellco Restrictions	0.35%	$500	-	Learn More Reviews (3)
Haxtun Community	0.35%	$10,000	-	Learn More Reviews
Nuvista Restrictions	0.30%	$500	-	Learn More Reviews
Elevations Restrictions	0.25%	$100,000	-	Learn More Reviews
Arapahoe Restrictions	0.20%	$10,000	-	Learn More Reviews
Western Rockies Restrictions	0.20%	$10,000	-	Learn More Reviews
OHIO CATHOLIC FCU Restrictions	0.15%	$100,000	-	Learn More Reviews
Elevations Restrictions	0.15%	$10,000	-	Learn More Reviews
Edu Restrictions	0.10%	$500	-	Learn More Reviews
OHIO CATHOLIC FCU Restrictions	0.10%	$500	-	Learn More Reviews
Weld Community Restrictions	0.10%	$10,000	-	Learn More Reviews

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

See rates for Online Banks →

See rates for Local Banks →

BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Credit Union One-Year Certificates of Deposit 2023

Credit union certificates of deposit (“CDs”, also commonly called “time deposits” at credit unions) are contract-based and time-based savings vehicles that are offered by credit unions. In return for agreeing to keep your money tied up with the credit union for a given time period (in the case of 1-year CDs, the period is obviously 1-year), you earn a fixed rate or return that cannot change over the course of that period. Should you need your money before the expiration of the contractual period, the penalties for early withdrawal can be severe. Not all credit unions even offer early withdrawal, and many that do maintain the right to deny it in their terms and conditions. It therefore is important to fully understand the terms of any time-based deposit that you enter with a credit union.

Many Americans enjoy performing their banking transactions with credit unions citing better rates, non-profit status (owned by its depositors), more helpful employees, and a commitment to the community that is above the level offered by local banks. You will find a map with all credit unions that are close to you here. It is important to note that some credit unions have limited fields of membership, although others are more open ended. Under any circumstance, you must meet the membership requirements in order to become a member and open a CD or time deposit.

Those who are willing to tie up their money for one year will often get a slight premium over the best available savings rates. People who work with credit unions may find that they offer better rates on 1-year CDs or time deposits than local banks and online banks. You however should check the local bank rates where you live here and the online rates here.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

NCUA Insurance

Most, but not all, credit unions listed on BestCashCow are insured by the National Credit Union Administration (NCUA). You should confirm that the credit union that you are working with is NCUA-insured by visiting that institution’s BestCashCow page (NCUA coverage is detailed on the overview tab). The NCUA insures each named individual's deposits to $250,000 for all accounts at the credit union within ownership class. The rules are very similar, but not identical, to those for FDIC insurance. You should always stay within NCUA insurance limits.

BestCashCow strongly recommends that you deposit money only in NCUA insured credit unions and that you stay within insured limits. If you are considering depositing over $250,000 at a single NCUA-insured credit union across products (share certificates, time deposits, etc.) or across types of ownership (individual, joint, etc.) you should use the NCUA’s Share Insurance Toolkit in order to be sure that you are not exceeding coverage limits.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Is my money any less safe at a credit union?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Is there any difference between a time deposit offered by a credit union and a CD account offered by a bank?

The difference is mainly one of terminology. But, you should always completely understand the terms of a time deposit or CD before you enter it, paying careful attention to the early withdrawal penalties. A reasonable early withdrawal penalty for a 1-year time deposit is 3 months.

Does the small amount of interest gained on a time deposit make sense given the fact that I am losing access to my capital (liquidity)?

This is a decision that depends on your own specific circumstances, your needs for cash, and other investments that you may wish to pursue over the next 12 months (or the period of your time deposit or CD). The premium in a one-year CD is very small, however, a small difference in compounding interest can make a large difference over long period of time. You may wish to familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your money over time.