Colorado

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Colorado Savings Rates

You are viewing savings rates from banks across Colorado

 

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 - July 3, 2025

Savings Account National Average Rate: 0.45% ?

Banks APY MIN

| Jul 6, 2021

If there were negative stars for customer service, I would have used it. They don't tell you that their "EPIC" money market also charges epic fees - $20.00 per month - negating the interest rate. Read More

| Feb 14, 2021

This is the worst bank I’ve ever had the displeasure of using. Horrible customer service after hours or on weekends and they just will not invest the capitol to ensure their customers can speak to a repr... Read More

Promotional rate for 3 months up to $11,000. Requires $25,000 in new deposits within 10 days of registration. After 3 month promotional period, rate reverts to between 0.03% and 0.12%.
Rate History: 5.00% → 4.75% → 5.00% → 4.50% → 4.35%

| Feb 25, 2022

I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More

Rate History: 4.50% → 4.40% → 4.25% → 4.00% → 4.25%

| Dec 27, 2022

They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More

Rate History: 4.90% → 4.75% → 4.55% → 4.20% → 4.10%

| Feb 15, 2024

I have always had great experiences with short-term CDs from this bank. No delays. Read More

Rate History: 1.35% → 5.25% → 4.75% → 4.50% → 4.00%

| Dec 27, 2022

They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More

Rate History: 4.25% → 3.75%

| Feb 9, 2021

The wonderful assistants at Beal Bank are wonderful. Rebeca took great care of me and made sure all my concerns were addressed. Read More

Rate History: 4.50% → 4.15% → 3.90% → 3.70%

| Mar 20, 2016

Good solid bank. Read More

Rate History: 4.00% → 3.70%

| May 19, 2018

Experience Read More

Rate History: 4.10% → 4.00% → 3.90% → 3.80% → 3.60%

| Jan 2, 2024

Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More

Rate History: 4.00% → 3.50%

| Feb 9, 2021

The wonderful assistants at Beal Bank are wonderful. Rebeca took great care of me and made sure all my concerns were addressed. Read More

Rate History: 4.10% → 3.50%

| Jun 12, 2023

US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More

| Oct 11, 2020

You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... Read More

| Dec 3, 2019

Have done business with "Hope's" San Diego branch for a few years. Always courteous and helpful. Looking forward to doing business with them in the future. Read More

Rate History: 1.00% → 3.00%

| Mar 20, 2016

Good solid bank. Read More

2.60%

$250

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| Jan 2, 2024

Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More

Rate History: 3.56% → 2.78% → 2.27%

| Feb 7, 2020

I contacted the massage bank and they are not offering 2.02 it’s 1.10 Read More

| Jul 1, 2022

Very easy opening process and wonderful staff. Read More

Rate History: 2.50% → 2.40% → 2.00% → 1.85% → 1.65%

| Aug 5, 2022

The worst customer service during covid. I lost my wallet they were nit understanding when things were shutting down. I knew covid was going to be bad and did not want to be around people. They did nit eve... Read More

| Oct 11, 2020

You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... Read More

Rate History: 2.02% → 1.46%

Rate History: 1.00% → 1.50% → 1.25%

| May 29, 2020

Dua Read More

Rate History: 1.50% → 1.45% → 1.10%

| Nov 28, 2022

While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More

Rate History: 1.01% → 1.02% → 1.01%

| Feb 6, 2023

after over 100k in transactions through this bank in the course of a year not only did i suffer from fraud but this bank closed my accounts and i have been lliable for all the losses and to top it off with... Read More

Rate History: 1.51% → 1.00% → 0.75%

| Feb 7, 2020

I contacted the massage bank and they are not offering 2.02 it’s 1.10 Read More

Rate History: 0.55% → 0.50%

| May 29, 2020

Dua Read More

0.40%

$10,000

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0.40%

$2,500

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| Nov 4, 2021

Not a very helpful bank. Find another ! Read More

0.35%

$25,000

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0.35%

$2,500

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0.33%

$10,000

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0.30%

$2,500

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0.30%

$25,000

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0.30%

$2,500

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0.30%

$25,000

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0.25%

$2,500

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0.25%

$2,500

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0.25%

$2,500

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0.25%

$25,000

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0.25%

$2,500

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Rate History: 1.00% → 0.60% → 0.45% → 0.25%

| Aug 5, 2022

The worst customer service during covid. I lost my wallet they were nit understanding when things were shutting down. I knew covid was going to be bad and did not want to be around people. They did nit eve... Read More

0.25%

$10,000

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0.25%

$2,500

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| Nov 4, 2021

Not a very helpful bank. Find another ! Read More

0.25%

$25,000

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| Mar 28, 2023

On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More

Rate History: 4.25% → 4.16% → 4.25% → 3.75% → 0.25%

| Jun 12, 2023

US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More

0.20%

$2,500

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0.20%

$10,000

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0.20%

$2,500

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0.20%

$2,500

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0.20%

$2,500

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0.20%

$25,000

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0.20%

$2,500

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0.20%

$25,000

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| Jun 17, 2022

Midfirst doesn't seem to encourage any accounts other than checking. I have two. I've tried opening others, but they talk me out of it every single time. Read More

0.20%

$25,000

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0.20%

$25,000

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0.20%

$2,500

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0.20%

$25,000

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0.20%

$0

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0.19%

$25,000

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0.19%

$2,500

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0.18%

$2,500

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0.17%

$2,500

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0.16%

$2,500

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0.15%

$2,500

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0.15%

$25,000

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0.15%

$25,000

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0.15%

$100

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0.15%

$10,000

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0.15%

$25,000

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0.15%

$25,000

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| Dec 11, 2023

only series EE currently. I have I series and have to mail them in Read More

0.15%

$10,000

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| Mar 25, 2015

OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More

0.15%

$25,000

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0.15%

$10,000

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| Nov 4, 2021

Not a very helpful bank. Find another ! Read More

0.15%

$10,000

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0.15%

$2,500

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0.15%

$10,000

Learn More

| Feb 7, 2022

I have found that if you live in the San Luis Valley, you must have accounts at two banks as at least one of them's website is inaccessible at an average of once per months or has their debit cards not fu... Read More

0.15%

$10,000

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0.15%

$25,000

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| Jun 17, 2022

Midfirst doesn't seem to encourage any accounts other than checking. I have two. I've tried opening others, but they talk me out of it every single time. Read More

| Jun 1, 2020

UMB does not honor the rate posted here! Read More

0.15%

$2,500

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0.15%

$2,500

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0.15%

$25,000

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| Sep 10, 2019

215,000.00 Read More

0.15%

$10,000

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0.15%

$25,000

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| Feb 4, 2020

Academy was great helping me open a new account Read More

0.15%

$25,000

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0.12%

$2,500

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0.11%

$2,500

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0.10%

$2,500

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Rate History: 0.15% → 0.10%

| Jun 30, 2019

agree....finally did get thru though Read More

0.10%

$2,500

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| Jul 1, 2021

What day of the month do you report to the credit bureaus Read More

0.10%

$2,500

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0.10%

$2,500

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0.10%

$2,500

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0.10%

$2,500

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0.10%

$2,500

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| Feb 25, 2023

I have been working for this company more than 5 years. I would not recommend any investment with First Citizens Bank. They are the worst performer on the market based on the customer and employee reviews... Read More

0.10%

$2,500

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0.10%

$2,500

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0.10%

$2,500

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0.10%

$2,500

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| Apr 9, 2020

I would stay away from this bank. It was much better run when it was Valley Community Bank, but went into the toilet when it was bought by Bay Commercial Bank. Their online banking terms and conditions cha... Read More

0.10%

$2,500

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0.10%

$2,500

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0.10%

$25,000

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0.10%

$25

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0.10%

$2,500

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| Jun 17, 2022

Midfirst doesn't seem to encourage any accounts other than checking. I have two. I've tried opening others, but they talk me out of it every single time. Read More

Rate History: 0.20% → 0.10%

| May 29, 2020

Dua Read More

| Dec 11, 2023

only series EE currently. I have I series and have to mail them in Read More

0.10%

$2,500

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0.10%

$2,500

Learn More

| Mar 25, 2015

OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More

0.10%

$2,500

Learn More

| Nov 4, 2021

Not a very helpful bank. Find another ! Read More

0.10%

$2,500

Learn More

| Feb 7, 2022

I have found that if you live in the San Luis Valley, you must have accounts at two banks as at least one of them's website is inaccessible at an average of once per months or has their debit cards not fu... Read More

0.10%

$2,500

Learn More

| Jun 1, 2020

UMB does not honor the rate posted here! Read More

0.10%

$2,500

Learn More

0.10%

$2,500

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0.10%

$10,000

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0.10%

$2,500

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0.10%

$2,500

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0.10%

$2,500

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0.10%

$2,500

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| Sep 10, 2019

215,000.00 Read More

| Feb 4, 2020

Academy was great helping me open a new account Read More

0.10%

$2,500

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0.10%

$2,500

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0.10%

$2,500

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0.10%

$25,000

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0.10%

$2,500

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| Jun 1, 2020

UMB does not honor the rate posted here! Read More

0.07%

$2,500

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0.07%

$2,500

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0.07%

$25,000

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0.07%

$2,500

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0.06%

$2,500

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0.05%

$25,000

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| Nov 9, 2023

Unhappy with ATM on Southside. I.bank with wafd they closed. Told wsfd customers can get cash with card. Employees are very nosy with slanderous gossip. I'm treated like a criminal. That why I don't use i... Read More

0.05%

$2,500

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0.05%

$2,500

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0.05%

$100

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0.05%

$2,500

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0.05%

$1

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0.05%

$2,500

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0.05%

$25,000

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0.05%

$0

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| Apr 9, 2020

I would stay away from this bank. It was much better run when it was Valley Community Bank, but went into the toilet when it was bought by Bay Commercial Bank. Their online banking terms and conditions cha... Read More

0.05%

$2,500

Learn More

Rate History: 1.00% → 0.10% → 0.05%

| Jun 30, 2019

agree....finally did get thru though Read More

| Dec 11, 2023

only series EE currently. I have I series and have to mail them in Read More

0.05%

$25,000

Learn More

| Sep 21, 2020

I am fed up with how poorly this bank is run. I have made deposit and given a receipt with the wrong amount more than once. I have received other customer's cancelled checks. The online bank site is a mess... Read More

| Mar 25, 2015

OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More

0.05%

$2,500

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0.05%

$25,000

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

| Jun 1, 2020

UMB does not honor the rate posted here! Read More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$25,000

Learn More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

| Sep 10, 2019

215,000.00 Read More

0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

0.05%

$10,000

Learn More

| Feb 4, 2020

Academy was great helping me open a new account Read More

0.05%

$2,500

Learn More

| Jul 24, 2023

BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More

0.03%

$2,500

Learn More

| Dec 11, 2023

only series EE currently. I have I series and have to mail them in Read More

0.03%

$2,500

Learn More

0.02%

$2,500

Learn More

0.02%

$2,500

Learn More

0.02%

$0

Learn More

| Dec 11, 2023

only series EE currently. I have I series and have to mail them in Read More

Rate History: 1.00% → 0.05% → 0.02%

| May 18, 2019

Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More

| Nov 9, 2023

Unhappy with ATM on Southside. I.bank with wafd they closed. Told wsfd customers can get cash with card. Employees are very nosy with slanderous gossip. I'm treated like a criminal. That why I don't use i... Read More

0.02%

$10,000

Learn More

0.02%

$2,500

Learn More

0.02%

$2,500

Learn More

| Jan 2, 2023

Terrible customer service by investment side. Fees too high , too full of themselves Read More

0.01%

$2,500

Learn More

Rate History: 0.03% → 0.01%

| May 18, 2019

Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More

0.01%

$100

Learn More

| Mar 28, 2023

On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More

0.01%

$2,500

Learn More

0.01%

$2,500

Learn More

0.01%

$1,000

Learn More

0.01%

$2,500

Learn More

0.01%

$2,500

Learn More

0.01%

$2,500

Learn More
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.


Branches Info across Colorado


Branch Street City State
Sunflower Bank, National Association
Canon City Royal Gorge Branch
831 Royal Gorge Boulevard Canon City CO
Alpine Bank
Ouray Branch
917 Main Street Ouray CO
Alpine Bank
Ouray Branch
917 Main Street Ouray CO
Sunflower Bank, National Association
Canon City Royal Gorge Branch
831 Royal Gorge Boulevard Canon City CO
Beal Bank USA
Denver Branch
154 Steele Street Denver CO
Beal Bank USA
Denver Branch
154 Steele Street Denver CO
U.S. Bank National Association
Denver Federal Center Branch
One Denver Federal Center Building 41 Lobby Denver CO
Alpine Bank
Ouray Branch
917 Main Street Ouray CO
Bank of Colorado
Surfacecreekbank Branch
945 S. Grand Mesa Drive Cedaredge CO
Zions Bank
Durango Downtown Branch
890 Camino Del Rio Durango CO
Bank of Colorado
Surfacecreekbank Branch
945 S. Grand Mesa Drive Cedaredge CO
Zions Bank
Durango Downtown Branch
890 Camino Del Rio Durango CO
FirstBank
Frisco Branch
960 N.Ten Mile Drive Frisco CO
Zions Bank
Durango Downtown Branch
890 Camino Del Rio Durango CO
Zions Bank
Durango Downtown Branch
890 Camino Del Rio Durango CO
BOKF, National Association
Highlands Ranch Branch
9561 S. University Blvd Highlands Ranch CO
Wells Fargo Bank, National Association
Aurora - City Center Branch
999 South Sable Boulevard Aurora CO
BOKF, National Association
Highlands Ranch Branch
9561 S. University Blvd Highlands Ranch CO
Bank of Colorado
Surfacecreekbank Branch
945 S. Grand Mesa Drive Cedaredge CO
BOKF, National Association
Highlands Ranch Branch
9561 S. University Blvd Highlands Ranch CO
Zions Bank
Durango Downtown Branch
890 Camino Del Rio Durango CO
Bank of Colorado
Surfacecreekbank Branch
945 S. Grand Mesa Drive Cedaredge CO
BOKF, National Association
Highlands Ranch Branch
9561 S. University Blvd Highlands Ranch CO
Zions Bank
Durango Downtown Branch
890 Camino Del Rio Durango CO
FirstBank
Frisco Branch
960 N.Ten Mile Drive Frisco CO
BOKF, National Association
Highlands Ranch Branch
9561 S. University Blvd Highlands Ranch CO
Champion Bank
Champion Bank Branch
16790 Centre Court Parker CO
American Bank of Commerce
Colorado Springs Branch
434 S. Tejon Colorado Springs CO
Farmers State Bank of Calhan
Falcon Branch
Meridian Road & Sthy 24 Peyton CO
The State Bank
Falcon Branch
7495 Mclaughlin Road Peyton CO
5Star Bank
5star Bank Branch
Peterson Air Force Base, 455 W. Paine St., Bldg. 1485 Colorado Springs CO
First National Bank Colorado
Monument Branch
581 Highway 105 Monument CO
GNBank, National Association
Valley State Bank Branch
204 South Fourth St Lamar CO
The First National Bank in Trinidad
Wal-Mart Branch
2921 Toupal Drive Trinidad CO
Champion Bank
Champion Bank Branch
16790 Centre Court Parker CO
FlatIrons Bank
Longmont Branch
522 4th Avenue Longmont CO
Century Savings and Loan Association
Century Savings And Loan Association Branch
233 East Main St Trinidad CO
Frontier Bank
Springfield Branch
808 Main Street Springfield CO
Gunnison Savings and Loan Association
Crested Butte Branch
501 Elk Ave Crested Butte CO
Rocky Mountain Bank & Trust
Cheyenne Meadows Branch
755 Cheyenne Meadows Colorado Springs CO
Home Loan State Bank
Home Loan State Bank Branch
205 N. 4th Street Grand Junction CO
FirstBank
Frisco Branch
960 N.Ten Mile Drive Frisco CO
The Eastern Colorado Bank
Limon Branch
580 V Avenue Limon CO
The First National Bank in Trinidad
Wal-Mart Branch
2921 Toupal Drive Trinidad CO
Farmers State Bank of Calhan
Falcon Branch
Meridian Road & Sthy 24 Peyton CO
CoreFirst Bank & Trust
Corefirst - Vallagio Branch
10130 E. Dry Creek Road Englewood CO
KeyBank National Association
Governor's Plaza Branch
9900 West Belleview Avenue Littleton CO
U.S. Bank National Association
Denver Federal Center Branch
One Denver Federal Center Building 41 Lobby Denver CO
Frontier Bank
Springfield Branch
808 Main Street Springfield CO
American Bank of Commerce
Colorado Springs Branch
434 S. Tejon Colorado Springs CO
GNBank, National Association
Valley State Bank Branch
204 South Fourth St Lamar CO
Yampa Valley Bank
Yampa Valley Bank Branch
600 South Lincoln Avenue Steamboat Springs CO
The Eastern Colorado Bank
Limon Branch
580 V Avenue Limon CO
Grand Valley Bank
925 N. 7th Street Branch
925 North 7th Street Grand Junction CO
Century Savings and Loan Association
Century Savings And Loan Association Branch
233 East Main St Trinidad CO
Del Norte Bank
Del Norte Bank Branch
705 Grand Avenue Del Norte CO
MidFirst Bank
Kent Denver Br Branch
4000 E. Quincy Ave Englewood CO
Mountain Valley Bank
Mountain Valley Bank Branch
461 Main Walden CO
Points West Community Bank
Good Samaritan Branch
805 Compassion Drive Windsor CO
FlatIrons Bank
Longmont Branch
522 4th Avenue Longmont CO
RNB STATE BANK
Rawlins National Bank - Longmont Bra Branch
2001 North Main Street Longmont CO
NBH Bank
Nbh Bank Branch
Wapiti Ave Rifle CO
Home Loan State Bank
Home Loan State Bank Branch
205 N. 4th Street Grand Junction CO
Zions Bank
Durango Downtown Branch
890 Camino Del Rio Durango CO
Yampa Valley Bank
Yampa Valley Bank Branch
600 South Lincoln Avenue Steamboat Springs CO
First National Bank Colorado
Monument Branch
581 Highway 105 Monument CO
Zions Bank
Durango Downtown Branch
890 Camino Del Rio Durango CO
The First National Bank of Hugo
Limon Branch
981 2nd Street Limon CO
RNB STATE BANK
Rawlins National Bank - Longmont Bra Branch
2001 North Main Street Longmont CO
Fortis Bank
Alton Way Branch
7006 South Alton Way, Building B Centennial CO
High Plains Bank
Longmont Branch
600 Kimbark Street Longmont CO
Park State Bank & Trust
Park State Bank & Trust Branch
710 W Hwy 24 Woodland Park CO
The State Bank
Falcon Branch
7495 Mclaughlin Road Peyton CO
The First National Bank of Hugo
Limon Branch
981 2nd Street Limon CO
MNB BANK
Burlington Colorado Branch
17999 Us Highway 385 Burlington CO
Glacier Bank
Hot Springs Boulevard Branch
305 Hot Springs Boulevard Pagosa Springs CO
CoreFirst Bank & Trust
Corefirst - Vallagio Branch
10130 E. Dry Creek Road Englewood CO
Armed Forces Bank, National Association
Fort Carson Facility Branch
6384 Wetzel Avenue, Building 1512 Fort Carson CO
Integrity Bank & Trust
Powers Center Point Branch
5550 Powers Center Point Colorado Springs CO
Grand Valley Bank
925 N. 7th Street Branch
925 North 7th Street Grand Junction CO
Farmers State Bank of Calhan
Falcon Branch
Meridian Road & Sthy 24 Peyton CO
The First National Bank in Trinidad
Wal-Mart Branch
2921 Toupal Drive Trinidad CO
American Bank of Commerce
Colorado Springs Branch
434 S. Tejon Colorado Springs CO
5Star Bank
5star Bank Branch
Peterson Air Force Base, 455 W. Paine St., Bldg. 1485 Colorado Springs CO
Alamosa State Bank
Alamosa Main Street Branch
601 Main Street Alamosa CO
Redstone Bank
Redstone Bank Branch
15765 East Arapahoe Road Centennial CO
Stockmens Bank
Stockmens Bank Branch
25 N. Cascade Avenue Colorado Springs CO
MidFirst Bank
Kent Denver Br Branch
4000 E. Quincy Ave Englewood CO
UMB Bank, National Association
Highlands Banking Center Branch
8190 South University Boulevard Littleton CO
Mountain Valley Bank
Mountain Valley Bank Branch
461 Main Walden CO
Points West Community Bank
Good Samaritan Branch
805 Compassion Drive Windsor CO
FMS Bank
Fms Bank Branch
520 Sherman Street Fort Morgan CO
Farmers Bank
Farmers Bank Branch
119 First Street Ault CO
AMG National Trust Bank
Greenwood Village Branch
6295 Greenwood Plaza Blvd Greenwood Village CO
The Gunnison Bank and Trust Company
Crested Butte Branch
6th And Gothic Crested Butte CO
Academy Bank, National Association
Downtown Colo Sprs Main Branch
One South Tejon Street Colorado Springs CO
First National Bank
Arapahoe Bank And Trust Branch
7777 East Arapahoe Road Englewood CO
San Luis Valley Federal Bank
San Luis Valley Federal Bank Branch
401 Edison Avenue Alamosa CO
San Luis Valley Federal Bank
San Luis Valley Federal Bank Branch
401 Edison Avenue Alamosa CO
The Eastern Colorado Bank
Limon Branch
580 V Avenue Limon CO
TBK BANK, SSB
6171 North Washington Branch
6171 North Washington Denver CO
FMS Bank
Fms Bank Branch
520 Sherman Street Fort Morgan CO
Herring Bank
Colorado National Bank Branch
3110 North Nevada Avenue Colorado Springs CO
Equitable Savings and Loan Association
Limon Branch
888 Main Street Limon CO
MNB BANK
Burlington Colorado Branch
17999 Us Highway 385 Burlington CO
First FarmBank
Yuma Colorado Branch
501 E. 8th Avenue Yuma CO
Redstone Bank
Redstone Bank Branch
15765 East Arapahoe Road Centennial CO
First National Bank, Cortez
First National Bank, Cortez Branch
2258 E. Main Street Cortez CO
First-Citizens Bank & Trust Company
Fort Collins Branch
2420 E Harmony Rd Fort Collins CO
Native American Bank, National Association
Native American Bank, National Association Branch
999 18th Street Denver CO
The Gunnison Bank and Trust Company
Crested Butte Branch
6th And Gothic Crested Butte CO
High Plains Bank
Longmont Branch
600 Kimbark Street Longmont CO
First Southwest Bank
First Southwest Bank Branch
720 Main Street Alamosa CO
Stockmens Bank
Stockmens Bank Branch
25 N. Cascade Avenue Colorado Springs CO
Del Norte Bank
Del Norte Bank Branch
705 Grand Avenue Del Norte CO
First National Bank
Arapahoe Bank And Trust Branch
7777 East Arapahoe Road Englewood CO
RG Bank, A Savings and Loan Association
Rio Grande Savings And Loan Associat Branch
901 1st Avenue Monte Vista CO
Champion Bank
Champion Bank Branch
16790 Centre Court Parker CO
MidFirst Bank
Kent Denver Br Branch
4000 E. Quincy Ave Englewood CO
BOKF, National Association
Highlands Ranch Branch
9561 S. University Blvd Highlands Ranch CO
Glacier Bank
Hot Springs Boulevard Branch
305 Hot Springs Boulevard Pagosa Springs CO
Integrity Bank & Trust
Powers Center Point Branch
5550 Powers Center Point Colorado Springs CO
CoreFirst Bank & Trust
Corefirst - Vallagio Branch
10130 E. Dry Creek Road Englewood CO
Armed Forces Bank, National Association
Fort Carson Facility Branch
6384 Wetzel Avenue, Building 1512 Fort Carson CO
Grand Valley Bank
925 N. 7th Street Branch
925 North 7th Street Grand Junction CO
Farmers State Bank of Calhan
Falcon Branch
Meridian Road & Sthy 24 Peyton CO
The First National Bank in Trinidad
Wal-Mart Branch
2921 Toupal Drive Trinidad CO
Alamosa State Bank
Alamosa Main Street Branch
601 Main Street Alamosa CO
5Star Bank
5star Bank Branch
Peterson Air Force Base, 455 W. Paine St., Bldg. 1485 Colorado Springs CO
UMB Bank, National Association
Highlands Banking Center Branch
8190 South University Boulevard Littleton CO
FlatIrons Bank
Longmont Branch
522 4th Avenue Longmont CO
Fortis Bank
Alton Way Branch
7006 South Alton Way, Building B Centennial CO
Mountain Valley Bank
Mountain Valley Bank Branch
461 Main Walden CO
Rocky Mountain Bank & Trust
Cheyenne Meadows Branch
755 Cheyenne Meadows Colorado Springs CO
First Pioneer National Bank
Holyoke Branch
150 South Interocean Street Holyoke CO
The Farmers State Bank of Brush
Drive-In Facility Branch
205 Carson Street Brush CO
Farmers Bank
Farmers Bank Branch
119 First Street Ault CO
Academy Bank, National Association
Downtown Colo Sprs Main Branch
One South Tejon Street Colorado Springs CO
Points West Community Bank
Good Samaritan Branch
805 Compassion Drive Windsor CO
North Valley Bank
North Valley Bank Branch
9001 North Washington Street Thornton CO
The Dolores State Bank
Mancos Valley Bank - Cortez Location Branch
27780 Hwy 160 Cortez CO
Waypoint Bank
Mountain View Branch
24 South Weber Street Suite 151 Colorado Springs CO
Adams Bank & Trust
Firestone Branch
8308 Colorado Blvd Firestone CO
UMB Bank, National Association
Highlands Banking Center Branch
8190 South University Boulevard Littleton CO
First-Citizens Bank & Trust Company
Fort Collins Branch
2420 E Harmony Rd Fort Collins CO
The Pueblo Bank and Trust Company
Drive-In Facility Branch
Sixth Street And Grand Avenue Pueblo CO
NBH Bank
Nbh Bank Branch
Wapiti Ave Rifle CO
ANB Bank
Fort Collins Branch
2108 Milestone Drive Fort Collins CO
Points West Community Bank
Good Samaritan Branch
805 Compassion Drive Windsor CO
RG Bank, A Savings and Loan Association
Rio Grande Savings And Loan Associat Branch
901 1st Avenue Monte Vista CO
Equitable Savings and Loan Association
Limon Branch
888 Main Street Limon CO
InBank
North Convent Branch
320 North Convent St Trinidad CO
Rocky Mountain Bank & Trust
Cheyenne Meadows Branch
755 Cheyenne Meadows Colorado Springs CO
NBH Bank
Nbh Bank Branch
Wapiti Ave Rifle CO
First National Bank, Cortez
First National Bank, Cortez Branch
2258 E. Main Street Cortez CO
The State Bank
Falcon Branch
7495 Mclaughlin Road Peyton CO
First National Bank
Arapahoe Bank And Trust Branch
7777 East Arapahoe Road Englewood CO
Integrity Bank & Trust
Powers Center Point Branch
5550 Powers Center Point Colorado Springs CO
Timberline Bank
Montrose Branch
Oxbow Drive Montrose CO
First National Bank of Omaha
Csu Branch
1101 Central Avenue Mall Fort Collins CO
The Colorado Bank and Trust Company of La Junta
The Colorado Bank And Trust Company Branch
301 Colorado Avenue La Junta CO
TBK BANK, SSB
6171 North Washington Branch
6171 North Washington Denver CO
Glacier Bank
Hot Springs Boulevard Branch
305 Hot Springs Boulevard Pagosa Springs CO
The Farmers State Bank of Brush
Drive-In Facility Branch
205 Carson Street Brush CO
Four Corners Community Bank
Cortez Branch
343 E. Main St. Cortez CO
Armed Forces Bank, National Association
Fort Carson Facility Branch
6384 Wetzel Avenue, Building 1512 Fort Carson CO
ANB Bank
Fort Collins Branch
2108 Milestone Drive Fort Collins CO
FirstOak Bank
Firstoak Bank-Pueblo Branch
1419 W Us Highway 50 Pueblo CO
Mountain Valley Bank
Mountain Valley Bank Branch
461 Main Walden CO
Del Norte Bank
Del Norte Bank Branch
705 Grand Avenue Del Norte CO
UMB Bank, National Association
Highlands Banking Center Branch
8190 South University Boulevard Littleton CO
Fortis Bank
Alton Way Branch
7006 South Alton Way, Building B Centennial CO
Stockmens Bank
Stockmens Bank Branch
25 N. Cascade Avenue Colorado Springs CO
The Pueblo Bank and Trust Company
Drive-In Facility Branch
Sixth Street And Grand Avenue Pueblo CO
First Pioneer National Bank
Holyoke Branch
150 South Interocean Street Holyoke CO
FNB Bank
Kirk Branch
2988 County Road M Kirk CO
Golden Belt Bank, FSA
Fort Morgan Br Branch
321 Ensign Street Fort Morgan CO
Farmers Bank
Farmers Bank Branch
119 First Street Ault CO
AMG National Trust Bank
Greenwood Village Branch
6295 Greenwood Plaza Blvd Greenwood Village CO
The Dolores State Bank
Mancos Valley Bank - Cortez Location Branch
27780 Hwy 160 Cortez CO
Waypoint Bank
Mountain View Branch
24 South Weber Street Suite 151 Colorado Springs CO
Academy Bank, National Association
Downtown Colo Sprs Main Branch
One South Tejon Street Colorado Springs CO
Adams Bank & Trust
Firestone Branch
8308 Colorado Blvd Firestone CO
U.S. Bank National Association
Denver Federal Center Branch
One Denver Federal Center Building 41 Lobby Denver CO
Bank of America, National Association
Cherry Creek Branch
100 Filmore Street, Suite 100 Denver CO
FirstOak Bank
Firstoak Bank-Pueblo Branch
1419 W Us Highway 50 Pueblo CO
Glacier Bank
Hot Springs Boulevard Branch
305 Hot Springs Boulevard Pagosa Springs CO
Waypoint Bank
Mountain View Branch
24 South Weber Street Suite 151 Colorado Springs CO
First Pioneer National Bank
Holyoke Branch
150 South Interocean Street Holyoke CO
Equitable Savings and Loan Association
Limon Branch
888 Main Street Limon CO
FirstBank
Frisco Branch
960 N.Ten Mile Drive Frisco CO
First National Bank of Omaha
Csu Branch
1101 Central Avenue Mall Fort Collins CO
Glacier Bank
Hot Springs Boulevard Branch
305 Hot Springs Boulevard Pagosa Springs CO
InBank
North Convent Branch
320 North Convent St Trinidad CO
High Country Bank
High Country Bank Branch
7360 West Us Highway 50 Salida CO
Waypoint Bank
Mountain View Branch
24 South Weber Street Suite 151 Colorado Springs CO
The Farmers State Bank of Brush
Drive-In Facility Branch
205 Carson Street Brush CO
JPMorgan Chase Bank, National Association
Coal Mine & Kipling Banking Center B Branch
9859 West Coal Mine Avenue Littleton CO
Wells Fargo Bank, National Association
Aurora - City Center Branch
999 South Sable Boulevard Aurora CO
Evergreen National Bank
Georgetown Branch
502 Sixth Street Georgetown CO
TBK BANK, SSB
6171 North Washington Branch
6171 North Washington Denver CO
Bank of Estes Park
Niwot Branch
7980 Niwot Road Niwot CO
KeyBank National Association
Governor's Plaza Branch
9900 West Belleview Avenue Littleton CO
First Western Trust Bank
Dtc Cherry Hills Branch
6501 East Belleview Avenue, Suite 200 Englewood CO
The Colorado Bank and Trust Company of La Junta
The Colorado Bank And Trust Company Branch
301 Colorado Avenue La Junta CO
Timberline Bank
Montrose Branch
Oxbow Drive Montrose CO
Liberty Savings Bank, F.S.B.
Granby Branch
91 E. Agate Granby CO
High Country Bank
High Country Bank Branch
7360 West Us Highway 50 Salida CO
Golden Belt Bank, FSA
Fort Morgan Br Branch
321 Ensign Street Fort Morgan CO


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

COLORADO SAVINGS ACCOUNT ENVIRONMENT


The banking system in Colorado operates similarly to that of other states in the United States. There are various banks, credit unions, and financial institutions that provide a wide range of banking services to individuals, businesses, and organizations.

1. Commercial Banks: Colorado has a mix of large national banks, regional banks, and smaller community banks. Major national banks like Wells Fargo, JPMorgan Chase, and Bank of America have a significant presence in the state. These banks offer a comprehensive range of banking services, including checking and savings accounts, loans, credit cards, mortgages, and investment options.

2. Regional and Community Banks: Colorado is also home to several regional and community banks. These banks typically have a smaller footprint and focus on serving local communities. They offer similar banking services as national banks but tend to have more personalized customer service.

3. Credit Unions: Credit unions are nonprofit financial cooperatives that are owned and operated by their members. Colorado has a number of credit unions that offer various banking services, often with a focus on providing favorable interest rates, lower fees, and community involvement. Credit unions are known for their emphasis on member satisfaction and typically offer services such as checking and savings accounts, loans, and credit cards.

3. Online and Mobile Banking: Like in other parts of the country, online and mobile banking have become increasingly popular in Colorado. Most banks offer online banking platforms and mobile apps that allow customers to manage their accounts, make transactions, and access banking services at their convenience. This technology has made banking more accessible and efficient for Coloradans.

4. Regulatory Framework: The Colorado Division of Banking regulates and supervises the state-chartered banks, trust companies, and credit unions. It ensures that these institutions adhere to state and federal banking laws and regulations, maintain financial stability, protect consumers, and foster a competitive banking environment.

Overall, the banking system in Colorado provides a wide range of options and services to meet the diverse financial needs of individuals, businesses, and organizations in the state.

FREQUENTLY ASKED QUESTIONS ABOUT LOCAL SAVINGS RATES


Why do savings rates vary so much?

Even though rates are at levels that are historically very low, there is competition for your money. Like any active marketplace, there are buyers and sellers of goods and services at different prices. Banks have different cost structures and they also have different needs for capital. This leads to different rates.

BestCashCow’s surveys show that online banks offer higher savings and CD rates because they have lower expenses from not having to maintain brick-and-mortar locations. Therefore, we strongly recommend that all depositors consider the rates at online banks as savings and money market accounts online can easy be set up to enable quick transfers to your favorite local bank.

What is the difference between a savings account and a money market account?

The differences between a savings account and a money market account are largely arcane. Some money market accounts offer more ways access deposits by issuing checks and debit cards, but prudent consumers will compare the two interchangeably, focusing primarily on rates and service among FDIC-insured banks (or NCUA-insured, for credit unions). Most savvy consumers who plan their expenses and financial needs ahead find the additional functionality offered by money markets to be of little value and will choose whichever account (savings or money market) has the higher rate.

What does annual percentage yield (APY) mean?

Savings rates are displayed in terms of APY to indicate the effective annual-interest return, including the compounding of interest, of the course of a single year. $100,000 deposited in a savings or CD account with a 1.20% APY will earn $1,200 in the course of the year, but monthly interest in the first few months may be less than $100 a month (this also depends on the number of days in the month). Hence, the APY rate is ordinarily a couple of basis points above the real interest rates. Unlike with a Certificate of Deposit, your actual APY in a savings may vary if the rate changes.

How do I choose the right savings account and should I consider CDs?

Begin your search with the table here on BestCashCow.com that you have found. In addition to checking online savings rates, you should also check local bank rates and local credit union rates. If you are unlikely to require access to your cash for some time, you may also consider certificates of deposit (CDs). While CDs have penalties for early withdrawal that may even eat into your principal, the rates on 2, 3, 4 and 5 year CDs are ordinarily significantly higher than savings rates. Several other sections and articles on BestCashCow can also help you to identify your proper cash allocation between savings and CDs. Access these below. You should also familiarize yourself with our Savings & CD Calculator in order to understand the importance of compounding interest at higher rates on your savings over time.

8 POINT CHECKLIST FOR A GREAT BANKING RELATIONSHIP WITH YOUR LOCAL BANK

  • Find a bank with a location convenient to you. Location counts.
  • Choose a bank with good rates. Rates are important to get continued growth of your capital.
  • Choose a bank with an extensive network of fee-free ATM machines or which reimburses out-of-network ATM fees, if you still need to regularly access cash.
  • Avoid fees. Choose a bank which doesn’t have service fees provided you maintain a certain balance, which doesn’t charge for ACH inbound and outbound transfers, and which has low fees for things like international wire transfers and bounced checks.
  • Choose a healthy bank. If you click on a bank above, you’ll be taken to the bank’s financial detail. A healthy bank has happy employees and provides loyal service to its customers. No matter how healthy your bank is, stay within FDIC insurance limits.
  • Find something of value to offset what may be slightly lower rates than online accounts offer. Develop personal relationship with your bankers. Personal relationships can help you to get appropriate financial advice, and to navigate financial challenges and needs in the future. (Be careful with the financial advice you receive. Inappropriate financial advice is worth a lot less than no financial advice.) They can also put you in touch with others in your community who could be valuable personally and professionally to know. If you don't use your local savings account as an opportunity to build these relationships, you may find that you are better of banking online.
  • Choose a bank that is going to let you access your cash when you need. The great benefit of savings accounts over any other financial product (including CDs) is that you have absolute liquidity. If your bank in creating impediments to accessing your cash (paperwork, fees, etc.), then you need another bank.
  • Be aware that you can have more than one account. Having a great local savings account at a large or small bank near you can be great, but it doesn't need to stop you from opening one or more online savings accounts, or even developing a relationship with another local bank or credit union.

SAVINGS & CD CALCULATOR

Find out how much extra money you can earn by moving your bank money into an account that pays more.