Denver, Colorado

Best CD Rates in Denver

Top rate available to Denver-area residents right now

Top CD Rate

4.30%

APY · 12-Month · via Raisin

Rates verified July 2026. FDIC/NCUA insured. Updated regularly.

Top CD Available

4.30%

Raisin · 12-Month

Best Local CD

4.01%

Ent CU · 13-Month Special

National CD Avg

0.55%

FDIC National Average

⚠️

Denver savers: your bank may be shortchanging you

The national average CD rate is just 0.55%. Denver-area credit unions are paying up to 4.01% on short-term CDs — that’s more than 7x the average. One year on $50,000 at the average rate earns $275. At 4.30%, you’d earn $2,150. That $1,875 difference is real money.

Best CD Rates — Denver Metro Area

Institution	APY	Term	Min. Deposit	Insurance	Notes
Raisin Online · Nationwide	4.30%	12 Mo	$1	FDIC	⭐ Top Rate
Ent Credit Union Denver Metro · Colorado’s Largest CU	4.01%	13 Mo Special	$500	NCUA	🏆 Best Local
Bellco Credit Union Denver Metro · Promo thru Aug 31, 2026	4.00%	6 Mo Promo	$500	NCUA	Limited Time
Ent Credit Union Denver Metro	4.00%	36–42 Mo	$500	NCUA	Solid Long-Term
Marcus by Goldman Sachs Online · Nationwide	3.90%	12 Mo	$500	FDIC	Online Benchmark
Ent Credit Union Denver Metro	3.80%	24–29 Mo	$500	NCUA	Standard Rate
Ent Credit Union Denver Metro	3.75%	6–11 Mo	$500	NCUA	Standard Rate

💡 Colorado Tax Tip for Denver Savers

Colorado has a flat 4.4% state income tax on interest income — but don’t let that stop you from earning more. At 4.30% APY, you’re still clearing well over 4% net even after state taxes, compared to 0.55% at most big banks. And if you’re in a lower income bracket in retirement, your effective state rate may be even less. The math still strongly favors moving your money.

Best Money Market Rates — Denver

Institution	APY	Account Type	Min. Balance	Insurance	Notes
Raisin Online · Via Partner Banks	4.30%	High-Yield Savings	$1	FDIC	⭐ Top Rate
Marcus by Goldman Sachs Online · Nationwide	3.90%	High-Yield Savings	$0	FDIC	No Minimum
Bellco Credit Union Denver Metro	3.50%	Money Market	$2,500	NCUA	Local Access
Ent Credit Union Denver Metro · Colorado’s Largest CU	3.25%	Money Market	$2,500	NCUA	Local Branch Access

Featured Partner

Is your bank listed here?

The Rate Desk connects Denver-area savers with the best rates available. Reach out to learn about featuring your institution on this page.

Get Listed →

📬

Get Rate Alerts — Free

When Denver CD rates move, we’ll let you know. No spam. Just the rates that matter.

Disclaimer: Rates shown are for informational purposes only and are subject to change without notice. The Rate Desk compiles this information from publicly available sources including institution websites and rate aggregators. We are not a bank, credit union, or financial advisor. Always verify rates directly with the institution before opening an account. CD rates and terms may vary based on relationship status, branch location, or promotional availability. Bellco Credit Union 6-month promotional rate available through August 31, 2026. Ent Credit Union is rebranding to Wings Credit Union but currently operating as Ent Credit Union. FDIC/NCUA insurance limits apply. National average sourced from FDIC.gov.