Certificates of Deposit

If you are looking for competitive certificate rates, Credit Union of the Rockies fits the bill. With a wide array of certificate options, including certificates that only require a minimum deposit of $500, Credit Union of the Rockies makes saving easy.

  • Competitive interest rates
  • Terms range from 3 months to 5 years
  • No risk - guaranteed earnings
  • *Early withdrawal penalty may apply

Baby Jumbo Certificates of Deposit

  • $50,000 minimum deposit
  • Terms range from 6 months to 5 years
  • Higher interest rates

To open a Certificate of Deposit, please visit your local Credit Union of the Rockies branch location, or call us at 303.273.5200 or 800.344.9385.

View Rates

Early Withdrawal Penalty: We may impose a penalty if you withdraw any of the principal before the maturity date. For all Share Certificates, the amount of an early withdrawal penalty is based on the term of your Share Certificate. The penalty schedule is as follows:

  • 3 months-6 months = 90 days interest
  • 12 months-60 months = 180 days of interest

How the Penalty Works: The penalty is calculated as a forfeiture of part or all of the interest that has been earned on the Share Certificate. If, in a situation, the penalty is more than the interest earned the principal will not be affected.

Exceptions to Early Withdrawal Penalties: At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:

  • When an account holder dies or
  • Is determined legally incompetent by a court or other body of competent jurisdiction or
  • When the Share Certificate is maintained in an IRA Plan and the member reaches 59 ½ or is disabled or
  • When the Share Certificate is maintained in an IRA Plan and the withdrawal is part of the required minimum distribution.

Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner, except obligations with the Credit Union.

*Penalties may apply for early withdrawal
**Annual Percentage Yield

• APY = Annual Percentage Yield

• Minimum opening deposit and to earn the advertised APY on promotional CD offering is $1,000
• Fees could reduce the earnings on the account
• A penalty will be imposed for early withdrawal
• Traditional and Roth IRA options available
• This credit union is federally insured by the National Credit Union Administration

First Tracks Certificate of Deposit

Introducing our new First Tracks CD - A certificate of deposit made for first-timers to Credit Union of the Rockies!

  • $250 minimum deposit
  • 12-month term
  • Competitive interest rate of 4.25% APY*

NOTE: Our First Tracks CD will always offer our highest rate available at the time it is opened.

Who is eligible to receive a First Tracks CD?

Those eligible to receive a First Tracks CD include new members or existing members who have not previously opened a certificate of deposit with Credit Union of the Rockies. 


*APY offered as of 03/01/2023 and is subject to change without notice. CD term is 12 months, after which your First Tracks CD will auto-renew at the traditional 12-month CD rate offered at that time. Minimum balance is $250.00.  Fees may reduce earnings.  Penalty for early withdrawal may apply.

**First-timers include new or existing members who have not opened a CD with Credit Union of the Rockies before.