Colorado

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Credit Union CD Rates Colorado

You are viewing rates from credit unions across Colorado





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 - July 30, 2025

1 Year CD National Average : 0.55% ?

Credit Unions APY MIN MILES ?

Rate History: 5.20% → 5.30%

Rate History: 5.10% → 4.85%

Rate History: 3.75% → 4.80%

Rate History: 4.85% → 4.59% → 4.64% → 4.54% → 4.26%

Rate History: 4.85% → 4.75% → 4.35% → 4.15% → 4.05%

| Feb 25, 2023

HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More

Rate History: 4.65% → 4.40% → 4.35% → 4.10% → 4.00%

Rate History: 3.10% → 4.10% → 4.11% → 3.85%

| Jun 19, 2022

Does PMFCU share with Bellco, Law Enforcement in Aurora. Read More

Rate History: 5.15% → 5.00% → 4.50% → 4.00% → 3.85%

| Oct 11, 2019

Long, long wait to see a banker. No one at the front desk. Very Poor service Read More

Rate History: 4.30% → 3.80% → 3.75%

Rate History: 4.50% → 4.00% → 3.75%

Rate History: 3.00% → 4.75% → 4.00% → 3.70%

Rate History: 4.15% → 2.50% → 3.50% → 4.00% → 3.50%

Rate History: 4.75% → 4.50% → 4.25% → 4.00% → 3.50%

Rate History: 0.80% → 3.40%

Rate History: 4.45% → 4.05% → 3.60% → 3.50% → 3.35%

Rate History: 5.20% → 4.33% → 3.84% → 3.74% → 3.24%

| Nov 5, 2023

I am a 30 year customer at this institution. Recently applied for a CD funded by money already in the system different account. 10 days later has still not been processed. Multiple calls no solution, at t... Read More

Rate History: 4.76% → 4.24% → 3.98% → 3.52% → 2.18%

| Dec 14, 2022

Agree with Jaben to stay away from docfcu. They don't appreciate loyal members and easily turn down any requests after a delayed response. I have closed my accounts and moved my funds to better institutio... Read More

Rate History: 2.35% → 2.30% → 2.40% → 2.25% → 2.15%

0.96%

$100,000

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0.95%

$10,000

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0.95%

$10,000

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0.90%

$10,000

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0.85%

$100,000

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0.80%

$50,000

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0.80%

$100,000

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0.80%

$10,000

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0.75%

$500

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0.75%

$10,000

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0.75%

$10,000

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0.70%

$10,000

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0.70%

$10,000

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0.70%

$100,000

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0.70%

$100,000

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0.70%

$10,000

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0.70%

$10,000

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0.70%

$10,000

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0.65%

$10,000

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0.65%

$10,000

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0.65%

$10,000

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0.65%

$100,000

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0.65%

$10,000

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0.65%

$100,000

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0.65%

$10,000

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0.60%

$10,000

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0.60%

$100,000

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0.60%

$10,000

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0.60%

$10,000

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0.60%

$10,000

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0.55%

$50,000

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0.55%

$100,000

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0.51%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$100,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$100,000

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0.45%

$10,000

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0.45%

$100,000

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0.45%

$500

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0.45%

$10,000

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0.40%

$10,000

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0.40%

$10,000

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0.35%

$10,000

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0.35%

$10,000

-

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0.35%

$10,000

-

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0.30%

$500

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| Nov 11, 2022

It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More

0.20%

$10,000

-

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0.20%

$10,000

-

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Edu


Restrictions

0.10%

$500

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0.10%

$10,000

-

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

Branches Info around zip 10116


Branch Street City State
MINNEQUA WORKS
Rocky Mountain Branch Rocky Mountain Branch
701 W 8th St Pueblo CO
SOOPER CU DBA CLIMB CU
Sooper Sooper Branch
5005 W. 60TH AVE ARVADA CO
CREDIT UNION OF COLORADO, A
Denver Denver Branch
1390 N Logan St Denver CO
SOOPER CU DBA CLIMB CU
Sooper Sooper Branch
5005 W. 60TH AVE ARVADA CO
CREDIT UNION OF COLORADO, A
Denver Denver Branch
1390 N Logan St Denver CO
CREDIT UNION OF COLORADO, A
Denver Denver Branch
1390 N Logan St Denver CO
CREDIT UNION OF COLORADO, A
Denver Denver Branch
1390 N Logan St Denver CO
COLORADO
Colorado Colorado Branch
8331 Continental Divide Road Littleton CO
COLORADO
Colorado Colorado Branch
8331 Continental Divide Road Littleton CO
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
1125 South Tower Road Aurora CO
ON TAP
Coors Coors Branch
816 WASHINGTON AVE. GOLDEN CO
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
1125 South Tower Road Aurora CO
ON TAP
Coors Coors Branch
816 WASHINGTON AVE. GOLDEN CO
PREMIER MEMBERS
Boulder Valley Boulder Valley Branch
5505 ARAPAHOE AVE BOULDER CO
BELLCO
Sloan's Lake Sloan's Lake Branch
1931 Sheridan Blvd Unit G1 Edgewater CO
DENVER COMMUNITY CU D.B.A. ZING CU
Mineral Mineral Branch
101 W Mineral Ave Ste 100 Littleton CO
PREMIER MEMBERS
Boulder Valley Boulder Valley Branch
5505 ARAPAHOE AVE BOULDER CO
CANVAS
Aurora Aurora Branch
16900 E Quincy Ave Aurora CO
CREDIT UNION OF DENVER
Credit Union Of Denv Credit Union Of Denv Branch
9305 W ALAMEDA AVE LAKEWOOD CO
PARTNER COLORADO
Eagle Legacy Eagle Legacy Branch
6221 Sheridan Blvd Arvada CO
AIR ACADEMY
Air Academy Air Academy Branch
9810 N. UNION BLVD. COLORADO SPRING CO
BLUE
Warren Warren Branch
7670 5th St. Wellington CO
FIRST TECHNOLOGY
Addison Avenue Addison Avenue Branch
1900 Garden of the Gods Blvd. A Lobby Colorado Springs CO
CREDIT UNION OF DENVER
Credit Union Of Denv Credit Union Of Denv Branch
9305 W ALAMEDA AVE LAKEWOOD CO
ENT
Spaulding Spaulding Branch
3583 E Spaulding Ave Pueblo CO
SECURITY SERVICE
Security Service Security Service Branch
1910 North Academy Blvd. Colorado Springs CO
SECURITY SERVICE
Security Service Security Service Branch
1910 North Academy Blvd. Colorado Springs CO
WESTERRA
Westerra Westerra Branch
3700 EAST ALAMEDA AVE. DENVER CO
SECURITY SERVICE
Security Service Security Service Branch
1910 North Academy Blvd. Colorado Springs CO
WESTERRA
Westerra Westerra Branch
3700 EAST ALAMEDA AVE. DENVER CO
ELEVATIONS
Elevations Elevations Branch
2300 55TH STREET BOULDER CO
ELEVATIONS
Elevations Elevations Branch
2300 55TH STREET BOULDER CO
GUADALUPE PARISH
Guadalupe Parish Guadalupe Parish Branch
217 West 3rd Avenue Antonito CO
DENVER FIRE DEPARTMENT
Denver Fire Departme Denver Fire Departme Branch
2201 FEDERAL BLVD DENVER CO
WESTMINSTER
Westminster Westminster Branch
9053 HARLAN STREET, SUITE 10 WESTMINSTER CO
THE DISTRICT
Aurora Schools Aurora Schools Branch
751 CHAMBERS ROAD AURORA CO
SPACE AGE
Space Age Space Age Branch
2495 S. HAVANA ST., F-18 AURORA CO
COLUMBINE
Columbine Columbine Branch
2305 E Arapahoe Rd Ste 234 Centennial CO
PIKES PEAK
Pikes Peak Pikes Peak Branch
1616 NORTH CIRCLE DR COLORADO SPRING CO
FITZSIMONS
Fitzsimons Fitzsimons Branch
2201 N Fitzsimons Parkway AURORA CO
AFFIDIAN
Rocky Mountain Law E Rocky Mountain Law E Branch
700 W. 39TH AVE. DENVER CO
TOGETHER
Anheuser-busch Emplo Anheuser-busch Emplo Branch
1520 E Mulberry St, STE 100 Fort Collins CO
COLUMBINE
Columbine Columbine Branch
2305 E Arapahoe Rd Ste 234 Centennial CO
SUNWEST
Sunwest Educational Sunwest Educational Branch
4141 Sovereign Circle Pueblo CO
AURORA
Members Members Branch
6 ABILENE ST AURORA CO
WHITE CROWN
White Crown White Crown Branch
1515 CLEVELAND PLACE, SUITE 100 DENVER CO
COLORAMO
Coloramo Coloramo Branch
516 28 ROAD GRAND JUNCTION CO
THE DISTRICT
Aurora Schools Aurora Schools Branch
751 CHAMBERS ROAD AURORA CO
SPACE AGE
Space Age Space Age Branch
2495 S. HAVANA ST., F-18 AURORA CO
STERLING
Sterling Sterling Branch
822 W MAIN ST STERLING CO
GRAND JUNCTION
Grand Junction Grand Junction Branch
910 MAIN ST GRAND JUNCTION CO
FOOTHILLS
Foothills Foothills Branch
7990 W ALAMEDA AVE LAKEWOOD CO
HOLYOKE COMMUNITY
Holyoke Community Holyoke Community Branch
101 WEST DENVER HOLYOKE CO
AURORA
Members Members Branch
6 ABILENE ST AURORA CO
NORTHERN COLORADO
College Credit Union College Credit Union Branch
2901 S 27TH AVE GREELEY CO
GUADALUPE PARISH
Guadalupe Parish Guadalupe Parish Branch
217 West 3rd Avenue Antonito CO
WHITE CROWN
White Crown White Crown Branch
1515 CLEVELAND PLACE, SUITE 100 DENVER CO
MOUNTAIN RIVER
Mountain River Mountain River Branch
205 E 3RD STREET SALIDA CO
AVENTA
Aventa Aventa Branch
2735 Dublin Blvd. Colorado Spring CO
NORTHERN COLORADO
College Credit Union College Credit Union Branch
2901 S 27TH AVE GREELEY CO
HOLYOKE COMMUNITY
Holyoke Community Holyoke Community Branch
101 WEST DENVER HOLYOKE CO
POWER
Power Power Branch
1615 EAST EVANS PUEBLO CO
YUMA COUNTY
Yuma County Yuma County Branch
419 W 8TH AVE YUMA CO
SAN JUAN MOUNTAINS
San Juan Mountains San Juan Mountains Branch
1102 SOUTH CASCADE AVE MONTROSE CO
ALTRA
Altra Altra Branch
101 William White Blve Pueblo CO
RIO GRANDE
Rio Grande Rio Grande Branch
760 ROOD AVENUE GRAND JUNCTION CO
METRUM COMMUNITY
Metrum Community Metrum Community Branch
6980 S. Holly Circle Centennial CO
PUEBLO GOVERNMENT AGENCIES
Pueblo Government Ag Pueblo Government Ag Branch
720 N GREENWOOD AVE PUEBLO CO
MOUNTAIN RIVER
Mountain River Mountain River Branch
205 E 3RD STREET SALIDA CO
HAXTUN COMMUNITY
Haxtun Community Haxtun Community Branch
229 S COLO AVE HAXTUN CO
METRUM COMMUNITY
Metrum Community Metrum Community Branch
6980 S. Holly Circle Centennial CO
CREDIT UNION OF THE ROCKIES
Credit Union Of The Credit Union Of The Branch
607 19th St Golden CO
POWER
Power Power Branch
1615 EAST EVANS PUEBLO CO
YUMA COUNTY
Yuma County Yuma County Branch
419 W 8TH AVE YUMA CO
DELTA COUNTY
Delta County Delta County Branch
1340 HIGHWAY 92 DELTA CO
CREDIT UNION OF THE ROCKIES
Credit Union Of The Credit Union Of The Branch
607 19th St Golden CO
RED ROCKS
Red Rocks Red Rocks Branch
9325 DORCHESTER ST, SUITE 200 HIGHLANDS RANCH CO
HARMONY
Junction Bell Junction Bell Branch
504 COURT ROAD GRAND JUNCTION CO
HAXTUN COMMUNITY
Haxtun Community Haxtun Community Branch
229 S COLO AVE HAXTUN CO
NUVISTA
Nuvista Nuvista Branch
2711 Commercial Way Montrose CO
ARAPAHOE
Arapahoe Arapahoe Branch
3999 E Arapahoe Road Centennial CO
WESTERN ROCKIES
North Avenue North Avenue Branch
2302 North Ave Grand Junction CO
WELD COMMUNITY
Weld Schools Weld Schools Branch
2555 47TH AVENUE GREELEY CO


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 2025

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.

SAVINGS & CD CALCULATOR

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