Best 6-Month CD Rates in Colorado
Vikram Singh

Bank or Credit Union Name: CommunityWide FCU
Minimum Amount: $1000.00
APY / Rate: 3.50% APY
Pros:
- NCUA Insured to at least $250,000
- Dividends can be compounded in certificates / deposited to another share/ transferred to another institution
- Option to renew on the maturity
Rules:
- Any withdrawal before maturity is charged with a penalty
- Penalty= amount of the withdrawal x the remaining term (days) of the certificate at the rate of 2x the current APR (divided by 365)
- Dividends are paid at the end of the month

Bank or Credit Union Name: Quontic Bank
Minimum Amount: $500.00
APY / Rate: 3.25 % APY
Pros:
- Instant account opening
- Low minimum balance
- FDIC insured
Rules:
- Interest is compounded daily and credited to the account at the end of every month
- A periodic rate is applied to the balance (principal + interest) in the account
- CD can be withdrawn upon maturity within 10 days after which, it is automatically renewed on the same terms.

Bank or Credit Union Name: PenFed Credit Union
Minimum Amount: $1,000.00
APY / Rate: 3.50% APY
Pros:
- Easy renewal without any conditions
- Can be accessed at the branch, mobile or online
- Insured by NCUA insurance
Rules:
- Dividends are calculated on a simple interest basis
- Monthly dividends are paid on CD maturity

Bank or Credit Union Name: Synchrony Bank
Minimum Amount: $0.1
APY Rate: 3.50% APY
Pros:
- No monthly fees on savings account
- Competitive rates on savings and CDs
- Access your account 24/7 from desktop or mobile.
- All deposits are FDIC-insured.
Rules:
- The penalty is 730 days of simple interest
- Interest earned may vary
- fees may reduce the aggregate balance on the account.
- minimum deposit of $10,000 is required for all CDs.

Bank or Credit Union Name: Popular Direct
Minimum Amount: $10000
APY / Rate: 4.25%
Pros:
- Highly competitive rates for 6-month CDs
- 24/7 access to the bank account
- No hidden fees or charges
- Customer support for all sorts of queries and concerns
- FDIC-insured bank up to maximum
Rules:
- APY can be earned assuming the interest and the principal remains on deposit until maturity.
- Interest is compounded monthly and added to the account at the end of the month.
- Early withdrawal fetches a penalty and there is a grace period after maturity to add additional funds to the CD
Best 12-Month CD Rates in Colorado

Bank or Credit Union Name: CommunityWide FCU
Minimum Amount: $1000.00
APY / Rate: 4.00% APY
Pros:
- NCUA Insured to at least $250,000
- Dividends can be compounded in certificates / deposited to another share/ transferred to another institution
- Option to renew on the maturity
Rules:
- Any withdrawal before maturity is charged with a penalty
- Penalty= amount of the withdrawal x the remaining term (days) of the certificate at the rate of 2x the current APR (divided by 365)
- Dividends are paid at the end of the month

Bank or Credit Union Name: Bread Savings
Minimum Amount: $1500
APY / Rate: 4.50% APY
Pros:
- Excellent for earning a competitive interest rate on a savings account or CD.
- Without monthly services.
- Free domestic incoming wire transfers on savings account
Rules:
- APYs are subject to change at any time without notice
- The penalty will be applied for early withdrawals on CDs
- At maturity, your CD will automatically renew and earn the base interest rate

Bank or Credit Union Name: First National Bank of America
Minimum Amount: $1000
APY Rate: 4.40% APY
Pros:
- Competitive APY on online CDs and high-yield savings accounts
- Fee-free access to 55,000 all ATM networks.
- Digital banking access online and via an app
Rules:
- Interest rates and APYs are subject to change without notice.
- Early withdrawal will reduce earnings and impose the penalty
- APY on all services will remain deposited until maturity.

Bank or Credit Union Name: PenFed Credit Union
Minimum Amount: $1000.00
APY / Rate: 4.25 % APY
Pros:
- High-yield checking account with easy-to-waive monthly fees
- Opening checking and savings accounts require a low minimum deposit.
- Online savings account with a competitive dividend rate
Rules:
- On early withdrawal, account earnings will be reduced.
- Require a written notice of up to 60 days of the intention to withdraw funds

Bank or Credit Union Name: Marcus by Goldman Sachs
Minimum Amount: $500.00
APY Rate: 4.00% APY
Pros:
- Hasslefree and Instant account opening
- Customer support avail all seven days of a week
Rules:
- CD rate can change at any time and hence customers are required to check the prevailing rates
- Interest is added to the principal at every month’s end
- It can be withdrawn without any penalty
Best 2 Years CD Rates in Colorado

Bank or Credit Union Name: Sallie Mae Bank
Minimum Amount: $1
APY / Rate: 5.00%
Pros:
- Range of periods and guaranteed CD interest rate
- Automatic renewal option
- FDIC insured banking
- No monthly maintenance fees
Rules:
- CD is opened with a minimum amount of $2500.
- The investor can request interest disbursement monthly, quarterly, yearly, or at maturity.
- There is an early termination penalty: 90 days of interest for CDs with a term less than 12 months and 180 days of interest for CDs with terms more than 12 months
- More amounts can be added to the CD during the grace period.

Bank or Credit Union Name: Bread Savings
Minimum Amount: $1500
APY / Rate: 4.50% APY
Pros:
- Excellent for earning a competitive interest rate on a savings account or CD.
- Without monthly services.
- Free domestic incoming wire transfers on savings account
Rules:
- APYs are subject to change at any time without notice
- The penalty will be applied for early withdrawals on CDs
- At maturity, your CD will automatically renew and earn the base interest rate

Bank or Credit Union Name: Synchrony Bank
Minimum Amount: $0.00
APY / Rate: 4.30% APY
Pros:
- Best APY rate
- No minimum balance required
- High-yield savings options
- No penalty on premature interest withdrawal
- 10 days grace period after maturity to add more funds to the CD
Rules:
- The interest is compounded monthly and added to the account at the end of the month.
- There is no minimum balance required to earn interest.
- Also no penalty on premature withdrawals.

Bank or Credit Union Name: First National Bank of America
Minimum Amount: $1000
APY Rate: 4.40% APY
Pros:
- Competitive APY on online CDs and high-yield savings accounts
- Fee-free access to 55,000 all ATM networks.
- Digital banking access online and via an app
Rules:
- Interest rates and APYs are subject to change without notice.
- Early withdrawal will reduce earnings and impose the penalty
- APY on all services will remain deposited until maturity.

Bank or Credit Union Name: Pentagon Federal Credit Union
Minimum Amount: $1000.00
APY / Rate: 4.35 % APY
Pros:
- Easy online and mobile access.
- Checking account dividends are compounded daily and paid monthly
- 85,000 free ATM network access nationwide.
- Competitive APY rates.
Rules:
- NCUA insured.
- Rates are the same and are subject to change.
- Penalties applied for early withdrawal.
- The penalty will be 30% of the gross amount of dividends after 365 days of the open date.

Bank or Credit Union Name: Marcus by Goldman Sachs
Minimum Amount: $500.00
APY Rate: 4.00% APY
Pros:
- Hasslefree and Instant account opening
- Customer support avail all seven days of a week
Rules:
- CD rate can change at any time and hence customers are required to check the prevailing rates
- Interest is added to the principal at every month’s end
- It can be withdrawn without any penalty
Best 3 Years CD Rates in Colorado

Bank or Credit Union Name: Bread Savings
Minimum Amount: $1500
APY / Rate: 4.50% APY
Pros:
- Excellent for earning a competitive interest rate on a savings account or CD.
- Without monthly services.
- Free domestic incoming wire transfers on savings account
Rules:
- APYs are subject to change at any time without notice
- The penalty will be applied for early withdrawals on CDs
- At maturity, your CD will automatically renew and earn the base interest rate

Bank or Credit Union Name: Pentagon Federal Credit Union
Minimum Amount: $1000.00
APY / Rate: 4.05% APY
Pros:
- Easy online and mobile access.
- Checking account dividends are compounded daily and paid monthly
- 85,000 free ATM network access nationwide.
- Competitive APY rates.
Rules:
- NCUA insured.
- Rates are the same and are subject to change.
- Penalties applied for early withdrawal.
- The penalty will be 30% of the gross amount of dividends after 365 days of the open date.

Bank or Credit Union Name: Synchrony Bank
Minimum Amount: $0.00
APY / Rate: 4.30% APY
Pros:
- Best APY rate
- No minimum balance required
- High-yield savings options
- No penalty for premature interest withdrawal
- 10 days grace period after maturity to add more funds to the CD
Rules:
- The interest is compounded monthly and added to the account at the end of the month.
- There is no minimum balance required to earn inter

Bank or Credit Union Name: First National Bank of America
Minimum Amount: $1000.00
APY Rate: 4.40% APY
Pros:
- Competitive APY on online CDs and high-yield savings accounts
- Fee-free access to 55,000 all ATM networks.
- Digital banking access online and via an app
Rules:
- Interest rates and APYs are subject to change without notice.
- Early withdrawal will reduce earnings and impose the penalty
- APY on all services will remain deposited until maturity.

Bank or Credit Union Name: Marcus by Goldman Sachs
Minimum Amount: $500.00
APY Rate: 4.00% APY
Pros:
- Hasslefree and Instant account opening
- Customer support avail all seven days of a week
Rules:
- CD rate can change at any time and hence customers are required to check the prevailing rates
- Interest is added to the principal at every month’s end
- It can be withdrawn without any penalty
Best 5 Years CD Rates in Colorado

Bank or Credit Union Name: Bread Savings
Minimum Amount: $1500
APY / Rate: 4.75% APY
Pros:
- $1,500 minimum opening deposit
- FDIC insured
- Zero service charges
- Interest Accrued and compounded daily & Credited and posted monthly
Rules:
- APYs are subject to change at any time without notice
- The penalty will be applied for early withdrawals on CDs
- The penalty is calculated based on 365 days of simple interest.
- $25 per outgoing wire transfer
- Auto-renew at maturity or cash out without penalty within the 10-day grace period

Bank or Credit Union Name: Popular Direct
Minimum Amount: $10000
APY / Rate: 4.50%
Pros:
- Highly competitive rates for 6-month CDs
- 24/7 access to the bank account
- No hidden fees or charges
- Customer support for all sorts of queries and concerns
- FDIC-insured bank up to maximum
Rules:
- APY can be earned assuming the interest and the principal remains on deposit until maturity.
- Interest is compounded monthly and added to the account at the end of the month.
- Early withdrawal fetches a penalty and there is a grace period after maturity to add additional funds to the CD

Bank or Credit Union Name: Synchrony Bank
Minimum Amount: $0.00
APY / Rate: 4.30% APY
Pros:
- Best APY rate
- No minimum balance required
- High-yield savings options
- No penalty for premature interest withdrawal
- 10 days grace period after maturity to add more funds to the CD
Rules:
- The interest is compounded monthly and added to the account at the end of the month.
- There is no minimum balance required to earn interest.
- Also no penalty on premature withdrawals.

Bank or Credit Union Name: PenFed Credit Union
Minimum Amount: $1000.00
APY / Rate: 3.90 % APY
Pros:
- High-yield checking account with easy-to-waive monthly fees
- Opening checking and savings accounts require a low minimum deposit.
- Online savings account with a competitive dividend rate
Rules:
- On early withdrawal, account earnings will be reduced.
- Require a written notice of up to 60 days of the intention to withdraw funds

Bank or Credit Union Name: First National Bank of America
Minimum Amount: $1000.00
APY Rate: 4.35% APY
Pros:
- Competitive APY on online CDs and high-yield savings accounts
- Fee-free access to 55,000 all ATM networks.
- Digital banking access online and via an app
Rules:
- Interest rates and APYs are subject to change without notice.
- Early withdrawal will reduce earnings and impose the penalty
- APY on all services will remain deposited until maturity.