Best 2-Year CD Rates in Colorado, CO

You are viewing rates from banks across Colorado

Below are two-year Certificates of Deposit (CD) rates from banks in Colorado. Two-year CDs generally offer a higher rate than 1-year CDs but require a longer commitment. Depending on the economy, longer term CDs may or may not offer more premium as the term increases. If you expect rates on bank products to drop, can afford to lock the money away, and feel you are receiving enough premium for the time commitment, then longer-term CDs may be appropriate.

CO - November 30, 2024

2 Year CD National Average : 0.66% ^?

Banks	APY	MIN	MILES ^?
Beal Bank USA	4.15%	$1,000	-	Learn More
Rate History: 4.30% → 4.20% → 4.15%
george \| 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 Reviews (3)
Independent Bank	4.15%	$1,000	-	Learn More Add Review
Seattle Bank	4.05%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.75% → 4.75% → 4.40% → 4.30% → 4.05%
Rob H. \| Nov 21, 2023 A real pain in the *** process to try and get approved! They were unable to match my drivers license photo with my live image after several times trying! Went to limelight bank instead and got approved in ... Read More Reviews (2)
Bank of Whittier, National Association	3.87%	$1,000	-	Learn More Add Review
Banesco USA	3.75%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 0.55% → 0.50% → 3.80% → 3.75%
Dkplan \| 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 Reviews (8)
Citizens	3.75%	$5,000	-	Learn More
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
Capital One, National Association	3.60%	$0	-	Learn More
Rate History: 4.30% → 4.20% → 4.00% → 3.70% → 3.60%
highstream \| 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 Reviews (14)
Bank of Hope	3.60% 0.30%	$250,000 $1,000	-	Learn More
Rate History: 3.95% → 3.70% → 3.90% → 3.60%
NORTY FLATZ \| 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 Reviews (1)
Gateway First Bank	3.35%	$500	-	Learn More
JohnC \| 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 Reviews (3)
Blue Foundry Bank	3.25%	$1,000	-	Learn More Add Review
Rate History: 3.50% → 3.25%
FirstBank	2.95%	$10,000	-	Learn More
Rate History: 3.56% → 3.50% → 2.95%
Carrandrewb \| 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 Reviews (1)
USAA Federal Savings Bank	2.60%	$1,000	-	Learn More
Rate History: 5.00% → 4.40% → 4.00% → 3.85% → 2.60%
RYAN S \| 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 Reviews (2)
Zions Bank	2.53%	$1,000	-	Learn More Add Review
Rate History: 3.05% → 2.53%
Citibank, National Association	2.00%	$0	-	Learn More
Azoic \| 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 Reviews (11)
JPMorgan Chase Bank, National Association	2.00%	$10,000	-	Learn More
Rate History: 3.00% → 2.50% → 2.00%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
Hingham Institution for Savings	1.75%	$1,000	-	Learn More Add Review
BOKF, National Association	1.55%	$100,000	-	Learn More
Rate History: 3.05% → 1.55%
Aku \| May 29, 2020 Dua Read More Reviews (1)
Four Corners Community Bank	1.25%	$10,000	-	Learn More
Unhappy customer definitely NOT THE BANK FOR ME! \| 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 Reviews (1)
First National Bank, Cortez	1.08%	$100,000	-	Learn More Add Review
Century Savings and Loan Association	1.06%	$100,000	-	Learn More Add Review
Champion Bank	1.06%	$10,000	-	Learn More Add Review
Yampa Valley Bank	1.01%	$10,000	-	Learn More Add Review
American Bank of Commerce	1.00%	$10,000	-	Learn More Add Review
High Country Bank	1.00%	$100,000	-	Learn More Add Review
First FarmBank	1.00%	$10,000	-	Learn More Add Review
TD Bank, National Association	1.00%	$10,000	-	Learn More
Rate History: 4.00% → 1.00% → 4.00% → 1.00%
Turonemckinney17@gmail.com \| May 19, 2018 Experience Read More Reviews (1)
The First National Bank in Trinidad	0.99%	$10,000	-	Learn More Add Review
First Southwest Bank	0.95%	$10,000	-	Learn More Add Review
Equitable Savings and Loan Association	0.95%	$10,000	-	Learn More Add Review
First Pioneer National Bank	0.95%	$100,000	-	Learn More Add Review
First National Bank	0.95%	$10,000	-	Learn More Add Review
First National Bank, Cortez	0.90%	$10,000	-	Learn More Add Review
First Western Trust Bank	0.90%	$10,000	-	Learn More Add Review
Century Savings and Loan Association	0.90%	$10,000	-	Learn More Add Review
The First National Bank of Hugo	0.85%	$10,000	-	Learn More Add Review
Farmers State Bank of Calhan	0.85%	$10,000	-	Learn More
John \| Nov 4, 2021 Not a very helpful bank. Find another ! Read More Reviews (1)
The State Bank	0.85%	$10,000	-	Learn More Add Review
Golden Belt Bank, FSA	0.80%	$10,000	-	Learn More Add Review
Park State Bank & Trust	0.80%	$500	-	Learn More Add Review
Rio Grande Savings and Loan Association	0.76%	$500	-	Learn More Add Review
Points West Community Bank	0.75%	$10,000	-	Learn More Add Review
Mountain View Bank of Commerce	0.75%	$10,000	-	Learn More Add Review
High Plains Bank	0.75%	$10,000	-	Learn More Add Review
FirsTier Bank	0.70%	$10,000	-	Learn More Add Review
Glacier Bank	0.70%	$10,000	-	Learn More
CatAnn \| Dec 11, 2023 only series EE currently. I have I series and have to mail them in Read More Reviews (1)
CoreFirst Bank & Trust	0.70%	$10,000	-	Learn More Add Review
Academy Bank, National Association	0.70%	$10,000	-	Learn More
Fran1 \| Feb 4, 2020 Academy was great helping me open a new account Read More Reviews (5)
NBH Bank	0.70%	$10,000	-	Learn More Add Review
Mountain Valley Bank	0.70%	$10,000	-	Learn More Add Review
First Pioneer National Bank	0.70%	$10,000	-	Learn More Add Review
Points West Community Bank	0.70%	$10,000	-	Learn More Add Review
North Valley Bank	0.70%	$10,000	-	Learn More Add Review
RNB STATE BANK	0.70%	$100,000	-	Learn More Add Review
San Luis Valley Federal Bank	0.69%	$100,000	-	Learn More Add Review
GNBank, National Association	0.65%	$10,000	-	Learn More Add Review
The Farmers State Bank of Brush	0.65%	$10,000	-	Learn More Add Review
MNB BANK	0.65%	$10,000	-	Learn More Add Review
Farmers Bank	0.65%	$10,000	-	Learn More
eberhard1111 \| Sep 10, 2019 215,000.00 Read More Reviews (1)
Adams Bank & Trust	0.60%	$10,000	-	Learn More Add Review
Integrity Bank & Trust	0.60%	$10,000	-	Learn More Add Review
Del Norte Bank	0.60%	$100,000	-	Learn More Add Review
The First National Bank of Las Animas	0.60%	$10,000	-	Learn More Add Review
High Country Bank	0.60%	$10,000	-	Learn More Add Review
RNB STATE BANK	0.60%	$10,000	-	Learn More Add Review
San Luis Valley Federal Bank	0.59%	$10,000	-	Learn More Add Review
Rocky Mountain Bank & Trust	0.55%	$100,000	-	Learn More Add Review
Frontier Bank	0.55%	$100,000	-	Learn More Add Review
The Eastern Colorado Bank	0.55%	$10,000	-	Learn More Add Review
Stockmens Bank	0.52%	$10,000	-	Learn More Add Review
Frontier Bank	0.50%	$10,000	-	Learn More Add Review
Del Norte Bank	0.50%	$10,000	-	Learn More Add Review
Rocky Mountain Bank & Trust	0.50%	$10,000	-	Learn More Add Review
Fortis Private Bank	0.50%	$10,000	-	Learn More Add Review
FMS Bank	0.50%	$100,000	-	Learn More Add Review
FlatIrons Bank	0.50%	$10,000	-	Learn More Add Review
The Gunnison Bank and Trust Company	0.45%	$10,000	-	Learn More Add Review
Grand Valley Bank	0.45%	$10,000	-	Learn More Add Review
Armed Forces Bank, National Association	0.45%	$10,000	-	Learn More
BENNIE BROOKS \| Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More Reviews (2)
Herring Bank	0.45%	$10,000	-	Learn More
wello50 \| Jul 1, 2021 What day of the month do you report to the credit bureaus Read More Reviews (1)
The Pueblo Bank and Trust Company	0.45%	$10,000	-	Learn More Add Review
Waypoint Bank	0.45%	$10,000	-	Learn More Add Review
Redstone Bank	0.40%	$10,000	-	Learn More Add Review
FirstOak Bank	0.40%	$10,000	-	Learn More Add Review
The Dolores State Bank	0.40%	$100,000	-	Learn More Add Review
Home Loan State Bank	0.40%	$10,000	-	Learn More Add Review
FNB Bank	0.40%	$100,000	-	Learn More Add Review
5Star Bank	0.40%	$10,000	-	Learn More Add Review
First National Bank	0.40%	$10,000	-	Learn More Add Review
United Business Bank	0.40%	$10,000	-	Learn More
Small Company \| 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 Reviews (1)
FMS Bank	0.40%	$10,000	-	Learn More Add Review
Timberline Bank	0.35%	$1,000	-	Learn More Add Review
Native American Bank, National Association	0.35%	$100,000	-	Learn More Add Review
InBank	0.35%	$100,000	-	Learn More
Trujillo \| 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 Reviews (1)
The Dolores State Bank	0.35%	$10,000	-	Learn More Add Review
The Colorado Bank and Trust Company of La Junta	0.30%	$10,000	-	Learn More Add Review
Gunnison Savings and Loan Association	0.30%	$10,000	-	Learn More Add Review
ANB Bank	0.30%	$10,000	-	Learn More Add Review
Liberty Savings Bank, F.S.B.	0.30%	$10,000	-	Learn More Add Review
Native American Bank, National Association	0.30%	$10,000	-	Learn More Add Review
InBank	0.30%	$10,000	-	Learn More
Trujillo \| 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 Reviews (1)
UMB Bank, National Association	0.25%	$10,000	-	Learn More
RS \| Jun 1, 2020 UMB does not honor the rate posted here! Read More Reviews (2)
MidFirst Bank	0.25%	$1,000	-	Learn More
sharzns \| 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 Reviews (3)
Glacier Bank	0.25%	$10,000	-	Learn More
CatAnn \| Dec 11, 2023 only series EE currently. I have I series and have to mail them in Read More Reviews (1)
Bank of Estes Park	0.15%	$1,000	-	Learn More Add Review
First National Bank of Omaha	0.08%	$500	-	Learn More Add Review
KeyBank National Association	0.05%	$2,500	-	Learn More
Rate History: 0.01% → 0.05%
Seeko \| 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 Reviews (2)
FNB Bank	0.05%	$10,000	-	Learn More Add Review
First-Citizens Bank & Trust Company	0.05%	$500	-	Learn More
MrBond \| 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 Reviews (3)
U.S. Bank National Association	0.05%	$500	-	Learn More
Ugg \| 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 Reviews (2)
PNC Bank, National Association	0.03%	$25,000	-	Learn More
GAM \| 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 Reviews (1)
Bank of America, National Association	0.03%	$100,000	-	Learn More
Treasure \| 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 Reviews (7)
Evergreen National Bank	0.01%	$10,000	-	Learn More Add Review
Citywide Banks	0.01%	$10,000	-	Learn More Add Review

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

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PRODUCT INFORMATION

Two Year CDs - Branch Banks 2024

Two year CDs, also know as 24 month CDs are an intermediate term product that commits a depositor to keeping their money in the bank for 24 months in return for a fixed rate of return during that period. All two year CDs shown on BestCashCow are FDIC insured.

While two year CDs commit a person to locking their money in for double the time of a 12 month CD, the rate is not double. As a result, a depositor should think about whether the extra rate is worth the extra time commitment.

In general, if rates are rising, it makes sense not to lock up money for an extended period of time.

If rates are falling, then it makes sense to put money into a longer-term instrument to lock-in a higher rate.

Many find opening CDs at local bank is often easier than online. In a branch, a depositor can sign CD documents and initiate a CD in person, and can often get it done faster than mailing a check or initiating a wire transfer in order to get their money to an online bank. Many also appreciate the opportunity to interact face to face with a real human being as opposed to by phone or instant messaging.

The advantages of a two year branch CD are:

A higher rate than 12 month CDs in return for leaving the money in the bank longer.
A fixed rate during the 24 month period.
A generally higher rate for the same term than what can be found in a branch-based bank.
FDIC insurance.
Convenience of opening and managing the CD online.

The disadvantages of a two year branch CDs are:

Rates are generally lower than on the top online savings and CD accounts.
Money is tied up for two years. Removing it early results in significant penalties.
Opening online can often take several days. Problems must be handled online or via the phone as there is no branch.

All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

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Colorado CD Rates – 2-Year

PRODUCT INFORMATION

Two Year CDs - Branch Banks 2024

The advantages of a two year branch CD are:

The disadvantages of a two year branch CDs are:

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