Yampa Valley Bank is a Colorado bank that is devoted to giving back to its community. The members, bankers, and investors all volunteer throughout the community as well as providing financial contributions to local nonprofits.

Yampa Valley Bank has some of the best CD rates. A detailed description of these CD rates is explained below;

Yampa Valley Bank CD Rates Offers

The pondering CD offers by this Yampa Valley Bank are;

6-Month CD

  • Interest Rate: 4.40%
  • APY: 4.50%


  • A shorter term allows for quicker access to funds.
  • Lower risk exposure compared to longer-term CDs.

Pros & Cons

Short-term commitmentLower interest rate compared to longer terms

9-Month CD

  • Interest Rate: 4.64%
  • APY: 4.75%


  • Strikes a balance between short and long-term commitments.
  • Moderate increase compared to the 6-month CD.

Pros & Cons

Higher interest rate than 6-month CDStill limited compared to longer terms

12-Month CD

  • Interest Rate: 4.88%
  • APY: 5.00%


  • Provides a reasonable compromise between short and long-term stability.
  • Higher interest rates compared to shorter-term options.

Pros & Cons

Attractive interest rateLower liquidity compared to short-term

48-Month CD

  • Interest Rate: 3.87%
  • APY: 3.95%


  • Suited for those looking for a stable, long-term investment.
  • The longer-term exposes investors to potential interest rate fluctuations.

Pros & Cons

Potential for higher returnsLonger lock-in period

Are Yampa Valley Bank CD Rates Competitive?

Yampa Valley Bank’s Certificate of Deposit rates exhibit a competitive edge in the market.

The bank offers a range of terms to cater to varying investment preferences, with interest rates that compare favorably to industry standards.

Notably, the 6-month, 9-month, and 12-month CDs present attractive options for investors seeking short to mid-term commitments, featuring competitive interest rates ranging from 4.40% to 4.88% and corresponding Annual Percentage Yields from 4.50% to 5.00%.

The 48-month CD, while sporting a slightly lower interest rate at 3.87%, compensates with a higher APY of 3.95%, presenting a compelling option for those willing to commit to a more extended investment horizon.

With a minimum deposit requirement of $1,000 across all terms, Yampa Valley Bank’s CD offerings demonstrate a balance between competitive rates and accessible entry points, making them a noteworthy consideration for investors looking for a reliable and flexible savings strategy.

Overview Yampa Valley Bank

They have branches in several cities in Colorado including Steamboat Springs and Craig. This is a fairly new bank that was chartered in 2000. They have an experienced leadership team that includes a board of directors and a member advisory board.

First National Bank, Cortez is another great Colorado bank. They have great CD rates there. The only downside is that they only have one branch which is located in the city of Cortez.

This bank first opened for business in 1958 and has been serving the community of Cortez with comprehensive banking services ever since.

They have everything the community needs to continue to flourish financially like mortgages, personal accounts, investment accounts, and business banking for small and large businesses.

Another great option for CDs in Colorado is the Champion Bank located in Parker, Colorado. They have a full range of financial products including CDs with competitive rates and a variety of tiers. They provide comprehensive and affordable financial services including lending, personal and business accounts, and mortgages.


You must live, work, worship, or go to school in the state of Colorado to qualify to be a member at most local banks and credit unions. Visit a branch in person or give the bank a call to talk with a banker. Before you can purchase a CD, you will first need to start a new checking or savings account with the financial institution to be a member.

Locations Yampa Valley Bank

Banks in Colorado

The branches in Colorado are:

Yampa Valley Bank, First National Bank, Champion Bank, American Bank of Commerce, Century Savings and Loan Association, First Pioneer National Bank, Liberty Savings Bank

Frequently Asked Questions

What is the minimum deposit required to open a CD with Yampa Valley Bank?

The minimum deposit required to open a CD with Yampa Valley Bank is $1,000. This consistent requirement applies across various CD terms, providing accessibility for a range of investors.

How often is interest compounded on Yampa Valley Bank’s CDs?

Interest on Yampa Valley Bank’s CDs is typically compounded at regular intervals, depending on the specific terms.

How are the interest rates on Yampa Valley Bank CDs determined?

The interest rates on Yampa Valley Bank CDs are determined based on various factors, including market conditions, economic trends, and the specific terms of each CD.

Does Yampa Valley Bank offer any special promotions or additional benefits for CD account holders?

Yampa Valley Bank may periodically offer promotions or additional benefits for CD account holders.