Best Credit Union 3 Month CD Rates in Glenwood Springs, Colorado, CO

You are viewing rates from credit unions across Glenwood Springs

Below are the best three month CD Rates in Glenwood Springs, Colorado, CO from hundreds of credit unions. Three month CD rates are generally the shortest term offered by credit unions and come with the lowest interest rates. You may want to consider opening a 3 month CD if the rates are comparable to a savings and money market account, you don’t need the money for the timeperiod, and you feel that savings rates will drop.

Glenwood Springs, CO - December 2, 2024

CD National Average : 2.23% ^?

Credit Unions	APY	MIN	MILES ^?
Truliant Restrictions	5.55% 1.21% 1.16% 1.11%	$250 $100,000 $25,000 $5,000	-	Learn More Add Review
Rate History: 4.50% → 5.55%
Jersey Central Restrictions	5.25%	$500	-	Learn More Add Review
America First Restrictions	5.25%	$500	-	Learn More
Rate History: 4.50% → 5.00% → 5.50% → 5.25%
jkihl \| Feb 27, 2020 Always enjoy competitive CD rates, easy convenient loan processing, and staff is always Ben friendly a knowledgeable Read More Reviews (4)
Pen Air Restrictions	5.00%	$500	-	Learn More
Mark Long \| Apr 13, 2021 Please don't use Pen Air Federal Credit Union for a variety of reasons. The security system isn't set up with fraud in mind. The IRS deposited money into my child's account that wasn't intended for the mem... Read More Reviews (1)
Lake Michigan Restrictions	5.00%	$500	-	Learn More Add Review
Digital Restrictions	4.75% 4.50%	$25,000 $500	-	Learn More
Rate History: 5.13% → 5.00% → 4.75%
Julie \| May 4, 2016 Refi, no cash out, no second Read More Reviews (2)
Financial Resources Restrictions	4.70%	$500	-	Learn More Add Review
Rate History: 4.91% → 5.43% → 5.33% → 4.70%
Del Norte Restrictions	4.65% 4.55%	$100,000 $1,000	-	Learn More Add Review
Dow Restrictions	4.65%	$500	-	Learn More Add Review
Rate History: 5.20% → 5.10% → 5.00% → 4.75% → 4.65%
Signature Restrictions	4.60%	$500	-	Learn More Add Review
Rate History: 5.55% → 4.25% → 3.00% → 4.80% → 4.60%
Dakota Plains Restrictions	4.57%	$250	-	Learn More Add Review
Metro Restrictions	4.50%	$0	-	Learn More Add Review
Texas People Restrictions	4.30%	$10,000	-	Learn More Add Review
Alliant Restrictions	4.25%	$1,000	-	Learn More
Gaius Gracchus \| Mar 22, 2024 Their CD rates are reasonable and their Visa rewards is very good at 2.5% on all purchases up to 10K/month. Their customer service is polite and helpful. However, their IT department must need some serio... Read More Reviews (5)
Nusenda Restrictions	4.25%	$1,000	-	Learn More
Rate History: 4.85% → 4.25%
Jessica \| Dec 16, 2020 Nusenda Credit Union are unprofessional and a big waste of time. Read More Reviews (3)
Communityamerica Restrictions	4.25%	$500	-	Learn More Add Review
Rate History: 5.25% → 3.45% → 4.50% → 4.25%
Blupeak Restrictions	4.25%	$1,000	-	Learn More Add Review
Teachers Restrictions	4.25%	$1,000	-	Learn More Add Review
Rate History: 1.00% → 4.25%
All In Restrictions	4.13% 3.92%	$1,000 $100,000	-	Learn More
Rate History: 4.59% → 4.39% → 4.07% → 4.18% → 4.13%
douglasmcrainey@gmail.com \| Feb 6, 2023 Everyone was very friendly and helpful. Read More Reviews (1)
Pen Air	4.05%	$500	-	Learn More Add Review
Rate History: 3.75% → 4.50% → 5.15% → 4.50% → 4.05%
Inova Restrictions	4.00%	$200	-	Learn More Add Review
Rate History: 5.25% → 1.50% → 4.00%
Premier America Restrictions	4.00%	$1,000	-	Learn More Add Review
Rate History: 2.00% → 4.00%
Chevron Restrictions	4.00%	$500	-	Learn More Add Review
Denver Community Cu D.b.a. Zing Cu Restrictions	4.00%	$100	-	Learn More Add Review
Rate History: 4.85% → 4.50% → 4.00%
Rev Restrictions	4.00%	$250	-	Learn More Add Review
Schoolsfirst Restrictions	4.00% 3.95% 3.90% 3.85%	$100,000 $50,000 $20,000 $500	-	Learn More Add Review
University Restrictions	4.00%	$1,000	-	Learn More
Rate History: 3.00% → 4.50% → 4.00%
SK.ATX \| Jan 1, 2022 Great Customer Service. Good Interest Rates and a Great Local Bank. - SK Read More Reviews (1)
Bayer Heritage Restrictions	3.93%	$100	-	Learn More Add Review
Rate History: 5.65% → 4.86% → 4.34% → 4.08% → 3.93%
Hiway	3.85% 3.75% 3.65%	$25,000 $10,000 $500	-	Learn More Add Review
Sun East Restrictions	3.85% 3.75%	$99,000 $500	-	Learn More
Rate History: 3.85% → 3.00% → 3.85%
David Gibson \| Aug 10, 2021 There does not seem to be anywhere that I can locate info as to what my membership rights are in relation to decision making for the Credit Union. This seems to be a problem for any institution that is sup... Read More Reviews (2)
Mtc Restrictions	3.75% 3.55%	$10,000 $250	-	Learn More Add Review
Broadview Restrictions	3.75%	$500	-	Learn More
Rate History: 3.50% → 4.00% → 3.75%
clifton handyman \| Nov 22, 2024 Your Lost Bitcoins Are Not Gone Forever? Enquire From iBolt Cyber Hacker iBolt Cyber Hacker is a cybersecurity service that specializes in Bitcoin and cryptocurrency recovery. Even if your Bitcoin is lo... Read More Reviews (1)
American Heritage Restrictions	3.65%	$1,000	-	Learn More
Rate History: 4.00% → 3.75% → 3.65%
Jobe0822@gmail.com \| Dec 22, 2020 Where is the 4.00/% rate? It doesn’t seem to exist? Read More Reviews (2)
Citizens Equity First Restrictions	3.56% 3.51%	$100,000 $1,000	-	Learn More Add Review
Rate History: 3.30% → 4.05% → 3.56%
Citadel Restrictions	3.55% 3.50%	$75,000 $500	-	Learn More Add Review
Credit Human Restrictions	3.51%	$500	-	Learn More
Anavile23 \| Jul 10, 2019 Does credit human use ChexSystems Read More Reviews (1)
Air Academy Restrictions	3.50%	$500	-	Learn More Add Review
Rate History: 4.00% → 3.75% → 3.50%
Park Community Credit Union, Inc. Restrictions	3.50%	$500	-	Learn More Add Review
General Electric Restrictions	3.50%	$0	-	Learn More Add Review
Gardiner Restrictions	3.30%	$500	-	Learn More Add Review
Rate History: 2.78% → 3.04% → 3.30%
California Restrictions	3.25%	$1,000	-	Learn More Add Review
Tinker Restrictions	3.15% 3.05% 2.95% 2.85% 2.69%	$99,000 $50,000 $25,000 $10,000 $1,000	-	Learn More Add Review
Financial Partners Restrictions	3.15% 3.00%	$100,000 $1,000	-	Learn More Add Review
Redwood Restrictions	3.10%	$1,000	-	Learn More Add Review
The Golden 1 Restrictions	3.10% 3.00%	$100,000 $500	-	Learn More Add Review
Safe Restrictions	3.04%	$500	-	Learn More Add Review
Envision Restrictions	3.04%	$1,000	-	Learn More Add Review
Rate History: 2.12% → 3.04%
Library Of Congress Restrictions	3.03%	$500	-	Learn More Add Review
Farmers Insurance Group Restrictions	3.00%	$1,000	-	Learn More Add Review
Rate History: 3.15% → 3.00%
Boeing Employees Restrictions	3.00%	$500	-	Learn More Add Review
U.s. Eagle Restrictions	3.00%	$1,000	-	Learn More Add Review
Vystar Restrictions	3.00% 2.90%	$50,000 $500	-	Learn More
Sharon \| Aug 8, 2023 The mobile banking issues happened during a planned conversion to a new platform. VyStar said all funds are secure. The bank is using local banking tech firm Nymbus to launch the new platform electing it a... Read More Reviews (2)
United States Senate Restrictions	2.89% 2.84% 2.79%	$200,000 $100,000 $1,000	-	Learn More Add Review
Rate History: 2.38% → 2.89%
Educational Employees Restrictions	2.78% 2.73% 2.68% 2.63%	$100,000 $50,000 $10,000 $500	-	Learn More Add Review
Gecu	2.78%	$2,500	-	Learn More Add Review
Westerra Restrictions	2.60%	$500	-	Learn More Add Review
Rate History: 0.60% → 2.30% → 3.10% → 2.60%
Wescom Central Restrictions	2.50%	$500	-	Learn More Add Review
Rate History: 4.75% → 3.50% → 4.75% → 3.00% → 2.50%
Allegacy Restrictions	2.50%	$500	-	Learn More Add Review
Rate History: 4.00% → 2.85% → 3.15% → 2.75% → 2.50%
Navy Federal Credit Union Restrictions	2.20% 2.15%	$100,000 $1,000	-	Learn More
Rate History: 4.05% → 2.80% → 2.50% → 2.20%
Amanda Frank \| Feb 25, 2023 HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More Reviews (19)
Magnifi Financial Restrictions	2.05% 1.95% 1.90% 1.85% 1.80%	$150,000 $100,000 $50,000 $25,000 $500	-	Learn More Add Review
Nextmark Restrictions	2.00%	$100,000	-	Learn More Add Review
Elevations Restrictions	2.00%	$500	-	Learn More Add Review
Three Rivers Restrictions	2.00%	$500	-	Learn More Add Review
Jovia Financial Restrictions	2.00%	$100	-	Learn More
H \| Apr 25, 2021 It has some of the most inept, cold workers. They do not return calls. You have trouble using payments or transactions by phone as they charge you. For months during COVID no hand sanitizer was present ... Read More Reviews (2)
Stanford Restrictions	1.92%	$1,000	-	Learn More Add Review
Nuvision Restrictions	1.85% 1.80% 1.75% 1.70%	$100,000 $50,000 $25,000 $1,000	-	Learn More Add Review
Onpoint Community Restrictions	1.75% 1.50%	$1,001 $1,000	-	Learn More
Bradley, Elizabeth \| May 31, 2021 Joshua from your security service deserves a great review. He helped cancel my card after it was stolen. Read More Reviews (1)
Financial Builders Restrictions	1.63%	$500	-	Learn More Add Review
True Sky	1.55%	$1,000	-	Learn More Add Review
Trustone Financial	1.50%	$500	-	Learn More Add Review
Credit Union Of Denver Restrictions	1.40% 1.35% 1.00%	$50,000 $10,000 $500	-	Learn More Add Review
Tower Restrictions	1.35%	$5,000	-	Learn More Add Review
Rate History: 1.35% → 1.40% → 1.35%
Safeamerica Restrictions	1.25%	$1,000	-	Learn More Add Review
Wings Financial Restrictions	1.11% 1.05% 1.00% 0.95%	$250,000 $100,000 $10,000 $500	-	Learn More Add Review
Afena Restrictions	1.11% 1.00% 0.95%	$100,000 $10,000 $250	-	Learn More Add Review
Royal Restrictions	1.10%	$0	-	Learn More Add Review
Rate History: 5.25% → 1.10%
Mission Restrictions	1.04% 1.00% 0.95%	$100,000 $10,000 $2,000	-	Learn More Add Review
Safe 1 Restrictions	1.00%	$1,000	-	Learn More Add Review
Abound Restrictions	1.00%	$500	-	Learn More Add Review
Rate History: 2.00% → 2.50% → 1.00%
Fort Liberty Restrictions	1.00%	$500	-	Learn More Add Review
Star Of Texas Restrictions	1.00% 0.90% 0.80%	$100,000 $50,000 $1,000	-	Learn More
Max Bartlett \| Sep 8, 2022 Great place to bank. Love credit unions and the staff here. Best rates in Austin at Star of Texas! Read More Reviews (1)
Sikorsky Financial Restrictions	0.90%	$500	-	Learn More Add Review
Safe Restrictions	0.90% 0.80% 0.75%	$100,000 $50,000 $1,000	-	Learn More Add Review
Partners Restrictions	0.75%	$1,000	-	Learn More Add Review
Affinity Restrictions	0.63%	$500	-	Learn More Add Review
Altura Restrictions	0.60% 0.50%	$100,000 $1,000	-	Learn More Add Review
Rate History: 0.50% → 0.60%
United Restrictions	0.60%	$500	-	Learn More Add Review
Spirit Financial Restrictions	0.50%	$500	-	Learn More Add Review
Xcel Restrictions	0.50%	$500	-	Learn More Add Review
Greenwood Restrictions	0.50%	$1,000	-	Learn More
Rate History: 3.50% → 0.50%
OrionMan \| Nov 19, 2022 Ratio of loans vs deposits appears Greenwood is overlevereged when compared to similar credit unions in the USA. Read More Reviews (1)
Americu Restrictions	0.40%	$1,000	-	Learn More Add Review
Securityplus Restrictions	0.40%	$1,000	-	Learn More Add Review
Idaho Central Restrictions	0.30%	$500	-	Learn More Add Review
Rate History: 4.50% → 0.30%
Homefield Restrictions	0.25%	$1,000	-	Learn More Add Review
Rate History: 0.10% → 0.25%
Green Country Restrictions	0.20%	$1,000	-	Learn More Add Review
Northwest Restrictions	0.05%	$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.

See rates for Online Banks →

See rates for Local Banks →

BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Credit Union Certificates of Deposit 2024

Credit union certificates of deposit (“CDs”, also commonly called “time deposits” at credit unions) are contract-based and time-based savings vehicles that are offered by credit unions. In return for agreeing to keep your money tied up with the credit union for a given time period, you earn a fixed rate or return that cannot change over the course of that period. Should you need your money before the expiration of the contractual period, the penalties for early withdrawal can be severe. Not all credit unions even offer early withdrawal from CDs; many that do offer it maintain the right to deny it in their fine print. It therefore is important to fully understand the terms of any time-based deposit that you enter with a credit union. Read this article for further detail on early withdrawal penalties.

Many Americans enjoy performing their banking transactions with credit unions, citing better rates, non-profit status (owned by its depositors), more helpful employees, and a commitment to the community that is above the level offered by local banks. You will find a map with all credit unions that are close to you here. It is important to note that some credit unions have limited fields of membership, although others are more open ended. Under any circumstance, you must meet the membership requirements in order to become a member and open a CD or time deposit.

Those who are willing to tie up their money for one year will often get a slight premium over the best available savings rates. People who work with credit unions may find that they offer better rates on CDs or time deposits than local banks and online banks. You however should check the local bank rates where you live here and the online rates here.

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

NCUA Insurance

Most, but not all, credit unions listed on BestCashCow are insured by the National Credit Union Administration (NCUA). You should confirm that the credit union that you are working with is NCUA-insured by visiting that institution’s BestCashCow page (NCUA coverage is detailed on the overview tab). The NCUA insures each named individual's deposits to $250,000 for all accounts at the credit union within ownership class. The rules are very similar, but not identical, to those for FDIC insurance. You should always stay within NCUA insurance limits.

BestCashCow strongly recommends that you deposit money only in NCUA insured credit unions and that you stay within insured limits. If you are considering depositing over $250,000 at a single NCUA-insured credit union across products (share certificates, time deposits, etc.) or across types of ownership (individual, joint, etc.) you should use the NCUA’s Share Insurance Toolkit in order to be sure that you are not exceeding coverage limits.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Is my money any less safe at a credit union?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Is there any difference between a time deposit offered by a credit union and a CD account offered by a bank?

The difference is mainly one of terminology. But, you should always completely understand the terms of a time deposit or CD before you enter it, paying careful attention to the early withdrawal penalties. A reasonable early withdrawal penalty for a 1-year CD or time deposit is 3 months, and a reasonable early withdrawal penalty for a longer term CD is 6 months.

Does the small amount of interest gained on a time deposit make sense given the fact that I am losing access to my capital (liquidity)?

This is a decision that depends on your own specific circumstances, your needs for cash, and other investments that you may wish to pursue over the period of your time deposit or CD. The premium in a one-year CD is very small, with the premium of longer-term CDs being a little wider. A small difference in compounding interest can make a large difference over long period of time. You may wish to familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your money over time.