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Compare Savings Rates in Colorado – March 2026

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Current Colorado Savings Rates and MMA Rates

Current rates from Meridian Trust Federal Credit Union include a Momentum Money Market at 6.00% APY. For those in Colorado, Red Rocks Credit Union lists a Reverse Tier Savings at 5.75%. Together Credit Union is offering a Accelerate It Savings in Colorado with an APY of 5.00%. Current rates from Blue Federal Credit Union include a Accelerated Savings at 5.00% APY.

Find the best savings and money market rates in Colorado today. Our real-time rate table below compares offers from top lenders to help you grow your savings. Whether you are looking for a traditional savings account or a high-yield option in CO, comparing APYs is the best way to maximize your interest earnings.

The following rates reflect recent market quotes and representative offers available to Colorado depositors. Actual savings rates may vary by financial institution and market conditions.

Last Updated and Verified: March 7, 2026

Savings Rates in Colorado and Area

  • Momentum Money Market:
    6.00%
  • Reverse Tier Savings:
    5.75%
  • Accelerate It Savings:
    5.00%
  • Accelerated Savings:
    5.00%
  • Premier Savings:
    4.50%

Rates shown are recent market averages and representative quotes. Actual rates may vary.

Last Updated and Verified: March 7, 2026

Best Colorado and Area Savings Rates & Money Market Rates

Bank / Credit Union
Product
APY
Min Deposit
Meridian Trust Federal Credit Union Wellington, CO
Momentum Money Market
6.00%
$0
Rate 6.00%
Min Deposit $0
Last Updated 03/07/2026
Details Earn More With Less; Open a Momentum Money Market account and get 6.00% APY* on your first $2,000.

Red Rocks Credit Union Littleton, CO
Reverse Tier Savings
5.75%
$0
Rate 5.75%
Min Deposit $0
Last Updated 03/07/2026
Details

Together Credit Union Fort Collins, CO
Accelerate It Savings
5.00%
$0
Rate 5.00%
Min Deposit $0
Last Updated 03/07/2026
Details Earns 5.00% APY on balances $100.00 to $5,000.99. Balances $5,001.00 and above will receive APY of 0.20%. One Accelerate It Savings per Social Security or Taxpayer Identification Number.

Blue Federal Credit Union Wellington, CO
Accelerated Savings
5.00%
$0
Rate 5.00%
Min Deposit $0
Last Updated 03/07/2026
Details Earn 5.00% APY* on a balance up to $1,000

Meriwest Credit Union Denver, CO
Premier Savings
4.50%
$0
Rate 4.50%
Min Deposit $0
Last Updated 03/07/2026
Details Earns 4.50% APY on balances $100 to $10,000; 4.50%-2.90% APY on $10,001 - $50,000.99; 2.90%-2.20% APY on $50,001+

Solera National Bank Lakewood, CO
Personal and Business Money Market High Yield Savings
4.07%
$0
Rate 4.07%
Min Deposit $0
Last Updated 03/07/2026
Details

Colorado Federal Savings Bank Greenwood Village, CO
Premier Savings
4.05%
$50,000
Rate 4.05%
Min Deposit $50,000
Last Updated 03/07/2026
Details New Customer***

Colorado Federal Savings Bank Greenwood Village, CO
High Yield Savings
4.00%
$1
Rate 4.00%
Min Deposit $1
Last Updated 03/07/2026
Details

On Tap Credit Union Golden, CO
Share Savings Account
4.00%
$0
Rate 4.00%
Min Deposit $0
Last Updated 03/07/2026
Details

Meridian Trust Federal Credit Union Wellington, CO
Momentum Money Market
3.90%
$0
Rate 3.90%
Min Deposit $0
Last Updated 03/07/2026
Details Earns 3.90-5.99% APY on balances $2,000.01 - $5,000.00

Westminster Federal Credit Union Westminster, CO
IRA Savings 6-Month
3.85%
$0
Rate 3.85%
Min Deposit $0
Last Updated 03/07/2026
Details

FNB of Hugo Limon, CO
High Yield Savings
3.82%
$25
Rate 3.82%
Min Deposit $25
Last Updated 03/07/2026
Details $500,000.00 and up

Northrop Grumman Federal Credit Union Aurora, CO
IRA Savings 12 Month
3.79%
$0
Rate 3.79%
Min Deposit $0
Last Updated 03/07/2026
Details

FNB of Hugo Limon, CO
High Yield Savings
3.75%
$25
Rate 3.75%
Min Deposit $25
Last Updated 03/07/2026
Details $500,000.00 and up

Westminster Federal Credit Union Westminster, CO
IRA Savings 12-Month
3.75%
$0
Rate 3.75%
Min Deposit $0
Last Updated 03/07/2026
Details

Westminster Federal Credit Union Westminster, CO
IRA Savings 12-Month Jumbo
3.75%
$0
Rate 3.75%
Min Deposit $0
Last Updated 03/07/2026
Details

Together Credit Union Fort Collins, CO
Money Market
3.75%
$0
Rate 3.75%
Min Deposit $0
Last Updated 03/07/2026
Details New money only

Together Credit Union Fort Collins, CO
Money Market (IRA)
3.75%
$0
Rate 3.75%
Min Deposit $0
Last Updated 03/07/2026
Details New money only

Golden Belt Bank, FSA Fort Morgan, CO
Youth Savings
3.75%
$0
Rate 3.75%
Min Deposit $0
Last Updated 03/07/2026
Details

Bankers Bank of the West Denver, CO
Money Market
3.72%
$1,000,000
Rate 3.72%
Min Deposit $1,000,000
Last Updated 03/07/2026
Details Minimum balance to open of $1,000,000; Maintain a minimum DDA balance of $500,000; Must be new funds to BBW or shifted from average Federal Funds Sold; Interest paid monthly, posted to the account

UMB Bank Westminster, CO
UMB Retail Money Market
3.71%
$0
Rate 3.71%
Min Deposit $0
Last Updated 03/07/2026
Details Tier II $10,000 - 24,999.99

MidWestOne Bank Denver, CO
Business High-Yield Savings
3.60%
$0
Rate 3.60%
Min Deposit $0
Last Updated 03/07/2026
Details Earn up to 3.60% APY*. Contact your local banker for more details!

MidWestOne Bank Denver, CO
High-Yield Savings
3.60%
$0
Rate 3.60%
Min Deposit $0
Last Updated 03/07/2026
Details Introductory APY

Northrop Grumman Federal Credit Union Aurora, CO
IRA Savings 48 Month
3.60%
$0
Rate 3.60%
Min Deposit $0
Last Updated 03/07/2026
Details

Northrop Grumman Federal Credit Union Aurora, CO
IRA Savings 60 Month
3.60%
$0
Rate 3.60%
Min Deposit $0
Last Updated 03/07/2026
Details

Northrop Grumman Federal Credit Union Aurora, CO
IRA Savings 24 Month
3.59%
$0
Rate 3.59%
Min Deposit $0
Last Updated 03/07/2026
Details

Westminster Federal Credit Union Westminster, CO
IRA Savings 24-Month
3.55%
$0
Rate 3.55%
Min Deposit $0
Last Updated 03/07/2026
Details

Northrop Grumman Federal Credit Union Aurora, CO
IRA Savings 36 Month
3.55%
$0
Rate 3.55%
Min Deposit $0
Last Updated 03/07/2026
Details

Golden Belt Bank, FSA Fort Morgan, CO
Youth Savings
3.55%
$0
Rate 3.55%
Min Deposit $0
Last Updated 03/07/2026
Details

Horizons North Credit Union Westminster, CO
Best in Show Money Market
3.50%
$0
Rate 3.50%
Min Deposit $0
Last Updated 03/07/2026
Details

Westminster Federal Credit Union Westminster, CO
IRA Savings 3-Month
3.50%
$0
Rate 3.50%
Min Deposit $0
Last Updated 03/07/2026
Details

Westminster Federal Credit Union Westminster, CO
IRA Savings 36-Month
3.45%
$0
Rate 3.45%
Min Deposit $0
Last Updated 03/07/2026
Details

Westminster Federal Credit Union Westminster, CO
IRA Savings 36-Month Jumbo
3.45%
$0
Rate 3.45%
Min Deposit $0
Last Updated 03/07/2026
Details

Sunflower Bank Wichita, WA
Thrive Money Market & Above
3.45%
$0
Rate 3.45%
Min Deposit $0
Last Updated 03/07/2026
Details $24,999.01

Union Bank and Trust Company Fort Collins, CO
Value Edge Money Market Account
3.45%
$10,000
Rate 3.45%
Min Deposit $10,000
Last Updated 03/07/2026
Details $10,000 to $49,999.99; Promo APY*

FirstBank (Colorado) Windsor, CO
Bloom Savings Account
3.35%
$0
Rate 3.35%
Min Deposit $0
Last Updated 03/07/2026
Details Daily Balance $1,000,000.00 and above

MidWestOne Bank Denver, CO
High-Yield Savings
3.35%
$0
Rate 3.35%
Min Deposit $0
Last Updated 03/07/2026
Details Introductory APY

Northrop Grumman Federal Credit Union Aurora, CO
IRA Savings 84 Month
3.35%
$0
Rate 3.35%
Min Deposit $0
Last Updated 03/07/2026
Details

PNC Bank Wheat Ridge, CO
PNC High Yield Savings®
3.30%
$1
Rate 3.30%
Min Deposit $1
Last Updated 03/07/2026
Details

Bellco Credit Union Wheat Ridge, CO
Business Money Market Account
3.25%
$0
Rate 3.25%
Min Deposit $0
Last Updated 03/07/2026
Details

Bellco Credit Union Wheat Ridge, CO
Business Premier Money Market Account
3.25%
$0
Rate 3.25%
Min Deposit $0
Last Updated 03/07/2026
Details

Bellco Credit Union Wheat Ridge, CO
Premier Money Market Account
3.25%
$10,000
Rate 3.25%
Min Deposit $10,000
Last Updated 03/07/2026
Details

Bellco Credit Union Wheat Ridge, CO
Savings Account
3.25%
$0
Rate 3.25%
Min Deposit $0
Last Updated 03/07/2026
Details

Bellco Credit Union Wheat Ridge, CO
Youth Savings
3.25%
$0
Rate 3.25%
Min Deposit $0
Last Updated 03/07/2026
Details

Golden Belt Bank, FSA Fort Morgan, CO
Youth Savings
3.25%
$0
Rate 3.25%
Min Deposit $0
Last Updated 03/07/2026
Details

The Huntington National Bank Westminster, CO
High-Yield Money Market
3.20%
$25,000
Rate 3.20%
Min Deposit $25,000
Last Updated 03/07/2026
Details Minimum of $25,000 not currently deposited at Huntington. Get your variable rate after opening a Huntington Relationship Money Market Account when you maintain deposits of $25,000.00 - $2,000,000.99.

The Huntington National Bank Westminster, CO
Huntington Relationship Money Market Account
3.20%
$25,000
Rate 3.20%
Min Deposit $25,000
Last Updated 03/07/2026
Details The special interest rate for the Huntington Relationship Money Market Account (HRMMA) with balances between $25,000.00 to $2,000,000.99 is between 3.15%-3.75% with an APY of 3.20% APY-3.82% based on your zip code. The interest rate is variable and subject to change at any time.

Credit Union Of Colorado Thornton, CO
Everyday Account w/High-Yield Savings
3.10%
$0
Rate 3.10%
Min Deposit $0
Last Updated 03/07/2026
Details rate applies to savings account only

MidWestOne Bank Denver, CO
High-Yield Savings
3.10%
$0
Rate 3.10%
Min Deposit $0
Last Updated 03/07/2026
Details Introductory APY

Armed Forces Bank U S A F Academy, CO
Premier Money Market
3.05%
$0
Rate 3.05%
Min Deposit $0
Last Updated 03/07/2026
Details APY for 6 months

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Colorado directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions' own digital properties and manually verifying the yields daily, we ensure that every savings rate displayed on savingsaccount.monitorbankrates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Colorado. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized savings rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield savings accounts from large national institutions available to savers in CO.

Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly based on market conditions, every single savings product listed on our platform features its own specific "last updated" date. This gives you absolute transparency into exactly when that specific yield was confirmed.

Disclaimer: Savings rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions in Colorado. It is always advisable to check with the specific financial institution's official website for the most current offers and terms. Last Updated and Verified: March 7, 2026

How to Find the Best Savings Account in Colorado

  1. Compare APY (Annual Percentage Yield) The APY determines how much interest you will earn in a year. Unlike simple interest, APY includes compound interest. Always look for the highest APY to maximize your earnings.
  2. Check Minimum Deposit Requirements Some high-yield savings accounts require a large initial deposit (e.g., $5,000 or $10,000) to earn the advertised rate. Ensure you can meet these minimums before applying.
  3. Review Monthly Fees Avoid accounts that charge monthly maintenance fees, as these can eat into your interest earnings. Many online banks and credit unions offer no-fee savings accounts.
  4. Verify FDIC or NCUA Insurance Ensure your money is safe. Banks should be FDIC insured, and Credit Unions should be NCUA insured. This protects your deposits up to $250,000 per depositor.

Frequently Asked Questions for Colorado

What are the current savings rates in Colorado and the surrounding area
Below is a list of current savings and money market rates available for Colorado. We track lenders daily to provide the most up-to-date APY and term information.

Lender / Product
APY
Min Dep
Meridian Trust Federal Credit Union
Momentum Money Market
6.00%
$0
Red Rocks Credit Union
Reverse Tier Savings
5.75%
$0
Together Credit Union
Accelerate It Savings
5.00%
$0
Blue Federal Credit Union
Accelerated Savings
5.00%
$0
Meriwest Credit Union
Premier Savings
4.50%
$0
Lender / Product
APY
Min Dep
Solera National Bank
Personal and Business Money Market High Yield Savings
4.07%
$0
Colorado Federal Savings Bank
Premier Savings
4.05%
$50,000
Colorado Federal Savings Bank
High Yield Savings
4.00%
$1
On Tap Credit Union
Share Savings Account
4.00%
$0
Meridian Trust Federal Credit Union
Momentum Money Market
3.90%
$0
Last Updated and Verified: March 7, 2026
What is a High-Yield Savings Account?
A high-yield savings account is a type of savings account that pays a significantly higher interest rate (APY) than standard savings accounts. These are often offered by online banks that have lower overhead costs than traditional brick-and-mortar banks.
Are online savings accounts safe?
Yes, as long as the online bank is FDIC insured. This provides the same level of protection (up to $250,000 per depositor) as a traditional bank. Always check for the FDIC logo on the bank's website.
Can I withdraw money from a savings account anytime?
Yes, but there are limits. Federal Regulation D used to limit certain withdrawals to 6 per month, though this has been suspended. However, individual banks may still enforce transaction limits or charge fees for excessive withdrawals.
Do savings rates change?
Yes, savings rates are variable and can change at any time based on the Federal Reserve's benchmark interest rates and market conditions. Unlike a CD (Certificate of Deposit), your savings rate is not locked in.

Cities in Colorado

Agate
Aguilar
Akron
Alamosa
Allenspark
Alma
Almont
Amherst
Anton
Antonito
Arapahoe
Arboles
Arlington
Arriba
Arvada
Aspen
Atwood
Ault
Aurora
Austin
Avon
Avondale
Bailey
Basalt
Battlement Mesa
Bayfield
Bedrock
Bellvue
Bennett
Berthoud
Bethune
Beulah
Black Hawk
Blanca
Boncarbo
Bond
Boone
Boulder
Branson
Breckenridge
Briggsdale
Brighton
Broomfield
Brush
Buena Vista
Buffalo Creek
Burlington
Burns
Byers
Cahone
Calhan
Campo
Canon City
Capulin
Carbondale
Carr
Cascade
Castle Rock
Cedaredge
Center
Central City
Chama
Cheraw
Cheyenne Wells
Chimney Rock
Chromo
Cimarron
Clark
Clifton
Climax
Coal Creek
Coaldale
Coalmont
Collbran
Colorado City
Colorado Springs
Commerce City
Como
Conejos
Conifer
Cope
Cortez
Cory
Cotopaxi
Cowdrey
Craig
Crawford
Creede
Crested Butte
Crestone
Cripple Creek
Crook
Crowley
Dacono
De Beque
Deer Trail
Del Norte
Delta
Denver
Dillon
Dinosaur
Divide
Dolores
Dove Creek
Drake
Dumont
Dupont
Durango
Eads
Eagle
Eastlake
Eaton
Eckert
Eckley
Edwards
Egnar
El Jebel
Elbert
Eldorado Springs
Elizabeth
Empire
Englewood
Erie
Estes Park
Evans
Evergreen
Fairplay
Firestone
Flagler
Fleming
Florence
Florissant
Fort Collins
Fort Garland
Fort Lupton
Fort Lyon
Fort Morgan
Fountain
Fowler
Franktown
Fraser
Frederick
Frisco
Fruita
Galeton
Garcia
Gardner
Gateway
Genoa
Georgetown
Gilcrest
Gill
Glade Park
Glen Haven
Glenwood Springs
Golden
Granada
Granby
Grand Junction
Grand Lake
Granite
Grant
Greeley
Green Mountain Falls
Grover
Guffey
Gulnare
Gunnison
Gypsum
Hamilton
Hartman
Hartsel
Hasty
Haswell
Haxtun
Hayden
Henderson
Hereford
Hesperus
Hillrose
Hillside
Hoehne
Holly
Holyoke
Homelake
Hooper
Hot Sulphur Springs
Hotchkiss
Howard
Hudson
Hugo
Hygiene
Idaho Springs
Idalia
Idledale
Ignacio
Iliff
Indian Hills
Jamestown
Jaroso
Jefferson
Jelm
Joes
Johnstown
Julesburg
Karval
Keenesburg
Kersey
Kim
Kiowa
Kirk
Kit Carson
Kittredge
Kremmling
La Jara
La Junta
La Salle
La Veta
Lafayette
Lake City
Lake George
Lamar
Laporte
Larkspur
Las Animas
Lazear
Leadville
Lewis
Limon
Lindon
Littleton
Livermore
Lochbuie
Log Lane Village
Loma
Lone Tree
Longmont
Louisville
Louviers
Loveland
Lucerne
Lyons
Mack
Maher
Manassa
Mancos
Manitou Springs
Manzanola
Marvel
Masonville
Matheson
Maybell
McClave
McCoy
Mead
Meeker
Meredith
Merino
Mesa
Milliken
Minturn
Model
Moffat
Molina
Monarch
Monte Vista
Montrose
Monument
Morrison
Mosca
Nathrop
Naturita
Nederland
New Castle
New Raymer
Niwot
Norwood
Nucla
Nunn
Oak Creek
Ohio City
Olathe
Olney Springs
Ophir
Orchard
Ordway
Otis
Ouray
Ovid
Padroni
Pagosa Springs
Palisade
Palmer Lake
Paoli
Paonia
Parachute
Paradox
Parker
Parlin
Parshall
Peetz
Penrose
Peyton
Phippsburg
Pierce
Pine
Pinecliffe
Pitkin
Placerville
Platteville
Pleasant View
Poncha Springs
Powderhorn
Pritchett
Pueblo
Ramah
Rand
Rangely
Red Cliff
Red Feather Lakes
Red Wing
Redvale
Rico
Ridgway
Rifle
Rockvale
Rocky Ford
Roggen
Rollinsville
Romeo
Rush
Rye
Saguache
Salida
San Luis
San Pablo
Sanford
Sargents
Sedalia
Sedgwick
Seibert
Severance
Shawnee
Sheridan Lake
Sherrelwood
Silt
Silver Plume
Silverthorne
Silverton
Simla
Slater
Snowmass
Snowmass Village
Snyder
Somerset
South Fork
Springfield
Starkville
Steamboat Springs
Sterling
Stoneham
Strasburg
Stratton
Sugar City
Swink
Tabernash
Telluride
Thornton
Timnath
Toponas
Towaoc
Trinchera
Trinidad
Twin Lakes
Two Buttes
U S A F Academy
Vail
Vernon
Victor
Vilas
Villa Grove
Vona
Walden
Walsenburg
Walsh
Ward
Watkins
Weldona
Wellington
Westcliffe
Westminster
Weston
Wetmore
Wheat Ridge
Whitewater
Wiggins
Wild Horse
Wiley
Windsor
Winter Park
Wolcott
Woodland Park
Woodrow
Woody Creek
Wray
Yampa
Yellow Jacket
Yoder
Yuma