Purchase a certificate of deposit Denver, CO. Bellco has high certificate of deposit interest rates, some of the best rates on cds credit unions, including 6 month cd rate.

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Looking to purchase a certificate of deposit?

Compare our CDs and choose which is best for you!

Rates current as of July 21, 2024.

New Calculator!

What could your CD be worth in the future? Try our new calculator to find out!

Crunch the Numbers

Traditional CD

Traditional CDs allow you to invest a specific amount for a predefined term with fixed interest rates throughout the life of your CD: 
  • Open with as little as $500.
  • Earn more with Bellco’s competitive interest rates.
  • Choose from a wide array of short- or long-term options.
3 Months2.75%* APYOpen now
6 Months4.75%* APYOpen now
12 Months 4.50%* APYOpen now
24 Months4.50%* APYOpen now
36 Months4.25%* APYOpen now
60 Months4.00%* APYOpen now

Smart Move CD

Smart Move CDs offer the same benefits as traditional certificates of deposit with additional advantages: 
  • Start with a minimum of $2,500.
  • Make a one-time “bump-up” to the next interest rate anytime during the term of your CD.
  • Ability to add a one-time additional deposit of $100 or more to your existing account.
  • Flexibility to make one withdrawal during the account term with no penalty—as long as a minimum balance of $1,000 is left in the account.
18 Months2.40%* APYOpen now
24 Months3.40%* APYOpen now
30 Months3.40%* APYOpen now
36 Months3.15%* APYOpen now

Jumbo CD

Consider our Jumbo CD for a significant investment:
  • A minimum deposit of $100,000.
  • Typically earns higher interest than traditional CDs with equivalent terms.
6 Months4.75%* APYOpen now
12 Months4.50%* APYOpen now

Youth CD

Help your youngster develop strong financial habits and goals with a youth certificate of deposit:
  • Start with as little as $50 to open.
  • Ability to add funds during the term of your CD.
  • Available for members 24 years old and younger.
12 Months4.50%* APY


Invest a portion of your HSA and earn income for your health savings with a fixed-rate CD:*
  • Start with a minimum deposit of $500
  • Contributions may be tax-deductible**
  • Tax-deferred dividend earnings with competitive interest rates
  • Tax-free withdrawals if you use funds for qualified expenses
  • Easy access to funds with HSA debit card and checks
12 Months4.50%* APY
24 Months4.50%* APY
36 Months4.25%* APY
60 Months4.00%* APY


Whether you’re an employee or a self-employed worker, you can increase your retirement savings with an IRA CD:
  • Invest a portion of your Traditional or Roth IRA
  • Defer tax payments on Traditional IRA earnings to future withdrawals**
  • Enjoy higher rates than a traditional savings account
IRA & Coverdell CDs – $500 Minimum Account Balance
3 Months2.75%* APY
6 Months4.75%* APY
12 Months4.50%* APY
24 Months4.50%* APY
36 Months4.25%* APY
60 Months4.00%* APY
IRA & Coverdell Jumbo CDs – $100,000 Minimum Account Balance
6 Months4.75%* APY
12 Months4.50%* APY

How would the value of your CD change over time?

This calculator is provided for general and educational purposes only. It is not intended to provide legal, tax, or investment advice. The accuracy of this online tool and its applicability to the information provided is an estimate and is not guaranteed. Your actual figures (i.e., deposit, term, etc.) could vary based on many factors.