Certificates are the perfect choice for no-risk savings.

They're federally insured up to $250,000 by NCUA. And, because you make a commitment to keep your deposit in a Certificate for a specified term,* they earn higher dividends than savings or money market accounts.

To open a Certificate, please call us: 303.443.4672, 800.449.7626, or stop by a branch.

Compare Certificate Accounts

Account Type
Interest
Minimum Balance
Statements
Opening Deposit
Key Features
Account Type Standard Certificates
Interest Varies for type of Certificate
Minimum Balance $500
Statements Paperless
Opening Deposit $500
Key Features 3 to 60 Month Terms
Account Type Jumbo Certificates
Interest Varies for type of Certificate
Minimum Balance $100,000
Statements Paperless
Opening Deposit $100,000
Key Features 6 to 60 Month Terms
Account Type IRA/ESA Certificates
Interest Varies for type of Certificate
Minimum Balance Varies for type of Certificate
Statements Paperless
Opening Deposit Varies for type of Certificate
Key Features 3 to 60 Month Terms
Account Type Rags to Riches Children's Certificates
Interest Varies for type of Certificate
Minimum Balance $100
Statements Paperless
Opening Deposit $100
Key Features 12 to 24 Month Terms

For a strategy on investing with certificates, check out this article on Laddering Certificates.
* Penalties for early withdrawal apply.



Certificate Rates - With as little as $500

Product
Dividend Rate
APY*
Product 3 mo. Certificate
Dividend Rate 0.60%
APY* 0.60%
Product 6 mo. Certificate
Dividend Rate 0.70%
APY* 0.70%
Product 12 mo. Certificate
Dividend Rate 1.00%
APY* 1.00%
Product 18 mo. Certificate
Dividend Rate 1.14%
APY* 1.15%
Product 24 mo. Certificate
Dividend Rate 1.24%
APY* 1.25%
Product 36 mo. Certificate
Dividend Rate 1.49%
APY* 1.50%
Product 48 mo. Certificate
Dividend Rate 1.74%
APY* 1.75%
Product 60 mo. Certificate
Dividend Rate 1.98%
APY* 2.00%
  • Minimum Opening Balance: $500
  • Minimum Required Balance: $500
  • Dividend: Compounded Monthly; Credited Monthly
  • Additional Deposit: Not permitted
  • Dividend Withdrawal: Allowed
  • Early withdrawal penalties apply
  • * APY = Annual Percentage Yield

Jumbo Certificate Rates - Over $100,000

Product
Dividend Rate
APY*
Product 6 mo. Certificate
Dividend Rate 0.80%
APY* 0.80%
Product 12 mo. Certificate
Dividend Rate 1.09%
APY* 1.10%
Product 24 mo. Certificate
Dividend Rate 1.34%
APY* 1.35%
Product 60 mo. Certificate
Dividend Rate 2.08%
APY* 2.10%
  • Minimum Opening Balance: $100,000
  • Minimum Required Balance: $100,000
  • Dividend: Compounded Monthly; Credited Monthly
  • Additional Deposit: Not permitted
  • Dividend Withdrawal: Allowed
  • Early withdrawal penalties apply
  • * APY = Annual Percentage Yield

IRA/ESA Certificate Rates - With as little as $100

Product
Dividend Rate
APY*
Product 3 mo. Certificate
Dividend Rate 0.60%
APY* 0.60%
Product 6 mo. Certificate
Dividend Rate 0.70%
APY* 0.70%
Product 12 mo. Certificate
Dividend Rate 1.00%
APY* 1.00%
Product 18 mo. Certificate
Dividend Rate 1.14%
APY* 1.15%
Product 24 mo. Certificate
Dividend Rate 1.24%
APY* 1.25%
Product 36 mo. Certificate
Dividend Rate 1.49%
APY* 1.50%
Product 48 mo. Certificate
Dividend Rate 1.74%
APY* 1.75%
Product 60 mo. Certificate
Dividend Rate 1.98%
APY* 2.00%
  • Minimum Opening Balance: $100
  • Minimum Required Balance: $100
  • Dividend: Compounded monthly; credited monthly
  • Additional Deposit: Permitted for 6 and 12 month Certificates only
  • Dividend Withdrawal: Allowed
  • IRS contribution limits and penalties apply
  • Early withdrawal penalties apply
  • Fees may reduce earnings
  • * APY = Annual Percentage Yield

Rags Certificate Rates - Ages 12 and under

Product
Dividend Rate
APY*
Product 12 mo. Certificate
Dividend Rate 1.00%
APY* 1.00%
Product 24 mo. Certificate
Dividend Rate 1.24%
APY* 1.25%
  • Minimum Opening Balance: $100
  • Minimum Required Balance: $100
  • Dividend: Compounded Monthly; Credited Monthly
  • Additional Deposit: Permitted - $10 Minimum Per Add-on Deposit
  • Dividend Withdrawal: Allowed
  • Early Withdrawal Penalties Apply
  • Rates shown are subject to change
  • * APY = Annual Percentage Yield

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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency