Best 6-Month CD Rates in Colorado, CO

You are viewing rates from banks across Colorado

Below are the best six-month CD Rates from banks with branches in Colorado. Six-month CDs are considered short-term cds and the yield is comparable to savings and money market rates. You may want to consider opening a 6 month CD if you are concerned about savings rates dropping and don’t mind locking up your money for six months.

CO - October 17, 2024

6 Month CD National Average : 0.41% ^?

Banks	APY	MIN	MILES ^?
TD Bank, National Association	5.00% 1.00%	$10,001 $10,000	-	Learn More
Turonemckinney17@gmail.com \| May 19, 2018 Experience Read More Reviews (1)
Banesco USA	5.00%	$1,500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 5.25% → 5.10% → 5.25% → 5.20% → 5.00%
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)
Beal Bank USA	4.75%	$1,000	-	Learn More
Rate History: 4.45% → 5.15% → 5.25% → 5.15% → 4.75%
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)
Bask Bank, a division of Texas Capital Bank	4.70%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 90 days interest. Rate History: 5.30% → 5.10% → 5.00% → 4.80% → 4.70%
smithy1968 \| Apr 20, 2024 Save your tears for another day. Very frustrating. 1-star. Read More
Bank of Hope	4.60% 0.20%	$250,000 $1,000	-	Learn More
Rate History: 4.70% → 4.80% → 4.65% → 4.85% → 4.60%
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)
USAA Federal Savings Bank	4.55%	$1,000	-	Learn More
Rate History: 5.25% → 4.65% → 4.55%
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)
My e-Banc, a division of Bradesco BAC Florida Bank	4.50%	$5,000	-	Learn More Add Review
Rate History: 5.30% → 5.40% → 5.20% → 5.05% → 4.50%
Matty H \| Sep 22, 2023 Terrible bank. Terrible service. Not equipped to service customers outside Florida. Plays games with your taxes by issuing 1090s whenever. Really shouldn't be on this list or your radar. Avoid. Read More
Hingham Institution for Savings	4.30%	$1,000	-	Learn More Add Review
Rate History: 4.85% → 4.80% → 4.50% → 4.39% → 4.30%
Capital One, National Association	4.25%	$0	-	Learn More
Rate History: 4.30% → 4.35% → 4.25%
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)
FirstBank	4.00%	$10,000	-	Learn More
Rate History: 5.13% → 5.00% → 4.75% → 4.25% → 4.00%
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)
Bank of America, National Association	4.00%	$10,000	-	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)
Citibank, National Association	3.50%	$0	-	Learn More
Rate History: 0.05% → 4.75% → 4.65% → 3.75% → 3.50%
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)
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)
Bank of Whittier, National Association	3.33%	$1,000	-	Learn More Add Review
Zions Bank	3.05%	$1,000	-	Learn More Add Review
Rate History: 4.86% → 3.05%
BOKF, National Association	2.45%	$100,000	-	Learn More
Rate History: 0.15% → 2.55% → 2.45%
Aku \| May 29, 2020 Dua Read More Reviews (1)
Wells Fargo Bank, National Association	2.01% 2.00%	$100,000 $25,000	-	Learn More
Rate History: 2.50% → 2.51% → 2.01%
Thy King \| 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 Reviews (7)
JPMorgan Chase Bank, National Association	1.50%	$10,000	-	Learn More
Rate History: 3.00% → 2.00% → 1.50%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
Yampa Valley Bank	0.70%	$10,000	-	Learn More Add Review
Rio Grande Savings and Loan Association	0.66%	$500	-	Learn More Add Review
Independent Bank	0.65%	$1,000	-	Learn More Add Review
Rate History: 5.50% → 0.65%
Century Savings and Loan Association	0.60%	$100,000	-	Learn More Add Review
American Bank of Commerce	0.60%	$10,000	-	Learn More Add Review
Alamosa State Bank	0.60%	$100,000	-	Learn More
cabin30355 \| 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 Reviews (1)
Farmers State Bank of Calhan	0.55%	$10,000	-	Learn More
John \| Nov 4, 2021 Not a very helpful bank. Find another ! Read More Reviews (1)
Adams Bank & Trust	0.50%	$10,000	-	Learn More Add Review
Liberty Savings Bank, F.S.B.	0.50%	$10,000	-	Learn More Add Review
FlatIrons Bank	0.50%	$10,000	-	Learn More Add Review
RNB STATE BANK	0.50%	$100,000	-	Learn More Add Review
San Luis Valley Federal Bank	0.49%	$100,000	-	Learn More Add Review
Century Savings and Loan Association	0.45%	$10,000	-	Learn More Add Review
Stockmens Bank	0.45%	$10,000	-	Learn More Add Review
Del Norte Bank	0.45%	$100,000	-	Learn More Add Review
First Pioneer National Bank	0.45%	$100,000	-	Learn More Add Review
The First National Bank of Hugo	0.41%	$10,000	-	Learn More Add Review
Fortis Private Bank	0.40%	$10,000	-	Learn More Add Review
The First National Bank in Trinidad	0.40%	$10,000	-	Learn More Add Review
Champion Bank	0.40%	$10,000	-	Learn More Add Review
Frontier Bank	0.40%	$100,000	-	Learn More Add Review
First FarmBank	0.40%	$10,000	-	Learn More Add Review
RNB STATE BANK	0.40%	$10,000	-	Learn More Add Review
San Luis Valley Federal Bank	0.39%	$10,000	-	Learn More Add Review
GNBank, National Association	0.35%	$10,000	-	Learn More Add Review
Del Norte Bank	0.35%	$10,000	-	Learn More Add Review
The State Bank	0.35%	$10,000	-	Learn More Add Review
First Southwest Bank	0.35%	$10,000	-	Learn More Add Review
The First National Bank of Las Animas	0.35%	$10,000	-	Learn More Add Review
Frontier Bank	0.35%	$10,000	-	Learn More Add Review
Mountain View Bank of Commerce	0.35%	$10,000	-	Learn More Add Review
CoreFirst Bank & Trust	0.30%	$10,000	-	Learn More Add Review
Glacier Bank	0.30%	$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)
Equitable Savings and Loan Association	0.30%	$10,000	-	Learn More Add Review
High Country Bank	0.30%	$100,000	-	Learn More Add Review
Alamosa State Bank	0.30%	$10,000	-	Learn More
cabin30355 \| 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 Reviews (1)
Grand Valley Bank	0.30%	$10,000	-	Learn More Add Review
NBH Bank	0.30%	$10,000	-	Learn More Add Review
Mountain Valley Bank	0.30%	$10,000	-	Learn More Add Review
First Pioneer National Bank	0.30%	$10,000	-	Learn More Add Review
Points West Community Bank	0.30%	$10,000	-	Learn More Add Review
The Eastern Colorado Bank	0.30%	$10,000	-	Learn More Add Review
North Valley Bank	0.30%	$10,000	-	Learn More Add Review
First National Bank, Cortez	0.28%	$100,000	-	Learn More Add Review
FMS Bank	0.27%	$100,000	-	Learn More Add Review
Park State Bank & Trust	0.25%	$500	-	Learn More Add Review
Rocky Mountain Bank & Trust	0.25%	$100,000	-	Learn More Add Review
FirsTier Bank	0.25%	$10,000	-	Learn More Add Review
InBank	0.25%	$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)
High Plains Bank	0.25%	$10,000	-	Learn More Add Review
Farmers Bank	0.25%	$10,000	-	Learn More
eberhard1111 \| Sep 10, 2019 215,000.00 Read More Reviews (1)
Academy Bank, National Association	0.25%	$10,000	-	Learn More
Fran1 \| Feb 4, 2020 Academy was great helping me open a new account Read More Reviews (5)
Herring Bank	0.20%	$10,000	-	Learn More
wello50 \| Jul 1, 2021 What day of the month do you report to the credit bureaus Read More Reviews (1)
Rocky Mountain Bank & Trust	0.20%	$10,000	-	Learn More Add Review
Armed Forces Bank, National Association	0.20%	$10,000	-	Learn More
BENNIE BROOKS \| Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More Reviews (2)
MNB BANK	0.20%	$10,000	-	Learn More Add Review
Integrity Bank & Trust	0.20%	$10,000	-	Learn More Add Review
UMB Bank, National Association	0.20%	$10,000	-	Learn More
RS \| Jun 1, 2020 UMB does not honor the rate posted here! Read More Reviews (2)
The Dolores State Bank	0.20%	$100,000	-	Learn More Add Review
FirstOak Bank	0.20%	$10,000	-	Learn More Add Review
Native American Bank, National Association	0.20%	$100,000	-	Learn More Add Review
InBank	0.20%	$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)
First National Bank	0.20%	$1,000	-	Learn More Add Review
High Country Bank	0.20%	$10,000	-	Learn More Add Review
Golden Belt Bank, FSA	0.20%	$10,000	-	Learn More Add Review
The Farmers State Bank of Brush	0.20%	$10,000	-	Learn More Add Review
Points West Community Bank	0.20%	$10,000	-	Learn More Add Review
Waypoint Bank	0.20%	$10,000	-	Learn More Add Review
FMS Bank	0.17%	$10,000	-	Learn More Add Review
The Gunnison Bank and Trust Company	0.15%	$10,000	-	Learn More Add Review
The Colorado Bank and Trust Company of La Junta	0.15%	$10,000	-	Learn More Add Review
ANB Bank	0.15%	$10,000	-	Learn More Add Review
Home Loan State Bank	0.15%	$10,000	-	Learn More Add Review
The Dolores State Bank	0.15%	$10,000	-	Learn More Add Review
5Star Bank	0.15%	$10,000	-	Learn More Add Review
MidFirst Bank	0.15%	$10,000	-	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)
Native American Bank, National Association	0.15%	$10,000	-	Learn More Add Review
United Business Bank	0.15%	$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)
FNB Bank	0.15%	$100,000	-	Learn More Add Review
Timberline Bank	0.14%	$1,000	-	Learn More Add Review
First Western Trust Bank	0.13%	$10,000	-	Learn More Add Review
First National Bank	0.12%	$10,000	-	Learn More Add Review
Four Corners Community Bank	0.10%	$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)
Redstone Bank	0.10%	$10,000	-	Learn More Add Review
The Pueblo Bank and Trust Company	0.10%	$10,000	-	Learn More Add Review
First National Bank, Cortez	0.10%	$10,000	-	Learn More Add Review
Glacier Bank	0.08%	$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)
KeyBank National Association	0.05%	$2,500	-	Learn More
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
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)
First National Bank of Omaha	0.04%	$500	-	Learn More Add Review
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)
Evergreen National Bank	0.01%	$10,000	-	Learn More Add Review
First-Citizens Bank & Trust Company	0.01%	$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)
Citywide Banks	0.01%	$10,000	-	Learn More Add Review
Bank of Estes Park	0.01%	$1,000	-	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

6 Month Branch Certificates of Deposit 2024

Six month certificates of deposit (CDs) provide depositors with a short term vehicle for keeping money safe and earning interest. With a six month CD, depositors agree to leave their money in the account for six months in return for a fixed rate of interest over this period. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.

In general, almost all brick-and-mortar banks provide CDs to their consumers. Opening one involves taking a trip to the branch although some banks allow CDs to be opened via the phone or online. In general, local banks discourage depositors from out-of-state to open accounts, although this is not a hard rule and if you see an attractive rate from a bank in another state, it is worth investigating the account opening policy. Online banks generally offer better rates on six month CDs but the accounts must be opened online. View online bank rates.

The advantages of six month CDs opened via a traditional bank are:

Funds deposited in FDIC banks and within insurance limits are protected by the full faith and credit of the United States government.
CDs provide a predictable, set rate of return.
Depositors can walk into a local branch and open the CD and fund it that day. Question and inquiries can also be handles in-person.

The disadvantages of six month CDs are:

Six month CDs currently pay interest rates significantly below many online and branch-based savings and money market accounts.
The deposited money is committed for six months.
Six month CDs from traditional banks often pay less interest than from online banks.

When interest rates are falling, it is often preferable to lock in high rates for an extended period of time with a longer-term CD. When interest rates are rising, depositors should avoid committing their money for long periods of time. To see interest rate trends, visit the BestCashCow rate analysis page.

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 – 6-Month

PRODUCT INFORMATION

6 Month Branch Certificates of Deposit 2024

The advantages of six month CDs opened via a traditional bank are:

The disadvantages of six month CDs are:

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