Aventa Credit Union (CO) Boosts 24-Month CD Rate


Deal Summary: 24-month CD, 1.26% APY, $500 minimum deposit.

Availability: Residents of nine south central Colorado counties.

Aventa Credit Union (Aventa CU) began the month by adding 56 bps to its 24-month CD. The current 1.26% APY is the highest rate for the 24-month CD in the past twelve months. The minimum opening deposit is $500, with no stated balance cap. There is a 24-month Jumbo CD requiring a $50k minimum deposit, but the rate is the same 1.26% APY.

The 24-month CD and Jumbo CD are available as IRA CDs (Traditional, Roth, CESA), earning the same APY with the same deposit requirements.

In a September 2019 blog post, I chronicled my frustrating experience with Aventa CU’s customer service; my phone calls to Aventa CU’s call center yesterday were no less exasperating. There is no Truth-in-Savings disclosure detailing the Early Withdrawal Penalty (EWP) listed on Aventa CU’s website, and after three phone calls, I’m still uncertain as to exactly what the EWP is. Here’s what I was told:

CSR #1 – the EWP is all the dividends that would have been earned.

CSR #2 – the EWP is all the dividends that have been earned.

While both CSR #1 and #2 stated that partial withdrawal are permitted, they couldn’t tell me if the EWP applies to the amount being withdrawn or to the total balance.

I had difficulty understanding CSR #3. When I asked her to clarify if she had said “dividends that WOULD have been earned, or dividends that HAVE been earned,” she replied, “Yes.” I then asked if she could give me an example. “If you withdrew $5,000 after one year, you would lose dividends.” Bottom line, I don’t know what the EWP is. (FYI – it was impossible to speak to a branch location: all phone calls go to the call center and you will not be transferred to a branch, no matter how nicely you ask.)


Headquartered in Colorado Springs, Aventa Credit Union’s field of membership (FOM) includes individuals who live or work in the Colorado counties of Alamosa, Chaffee, Custer, El Paso, Fremont, Huerfano, Pueblo, Saguache, or Teller.

Employees and volunteers of more than 50 Employer Groups and members (current and past) of seven Partner Associations also qualify for membership.

Household members and relatives (parent, spouse, or child) of current Aventa CU members are welcome to apply.

Joining Aventa CU can be done online. The lobbies of the Center, Colorado Springs, Crestone, and Pueblo branches re-opened to walk-in traffic on March 1, 2021, with appointments available. The Saguache branch remains temporarily closed.

Opening a CD can be done at any of the above-mentioned branches, by phone (800.555.6665), or by email ([email protected]).

A Share Savings ($5 min) is required to establish your membership at Aventa Credit Union.

Aventa CU joined the CO-OP Share Branch and ATM Network about eight years ago.

With shared branching, credit unions from all over the country share facilities to give members thousands of convenient locations to perform transactions just as if they were in their home credit union.

Credit Union Overview

Aventa Credit Union has an overall health grade of "A" at DepositAccounts.com, with a Texas Ratio of 3.21% (excellent) based on December 31, 2021 data. In the past year, Aventa CU has increased its total non-brokered deposits by $30.46 million, an excellent annual growth rate of 16.62%. Please refer to our financial overview of Aventa Credit Union (NCUA Charter # 62755) for more details.

Established in 1957 as the Colorado Springs Employees Credit Union, Aventa Credit Union is currently Colorado’s 17th largest credit union with more than 31,000 members and assets in excess of $244 million. The 2010 merger with Pueblo City Employees Federal Credit Union and the 2012 acquisition of Saguache County Credit Union helped the Credit Union maintain “a focus on the needs of municipal workers while seeing significant growth outside the city." It also prompted the Aventa rebrand.

According to a Credit Union Times article concerning the Saguache County CU acquisition,

In its weekend announcement, Aventa said it “has again absorbed a struggling financial institution in its continuing effort to keep credit union options alive in smaller Colorado communities.”

How the CD Compares

When compared to 227 similar length-of-term CDs tracked by DepositAccounts.com that require a similar minimum deposit and are available within the FOM, Aventa Credit Union's 24-month CD APY currently ranks first.

The above information and rates are accurate as of 3/11/2021.

To look for the best CD rates, either nationwide or state-specific, please refer to our CD Rates Table page.

Related Pages: Denver CD rates, Colorado Springs CD rates, 5-year CD rates

Aventa Credit Union (CO) Offers 18-Month Add-On CD (3.04% APY)
Deal Summary: 18-month Ascent CD Special, 3.04% APY, $500 minimum deposit of new money, unlimited additional deposits.

Availability: Residents of nine south central Colorado counties.

The latest addition to the Aventa Credit Union (Aventa CU) product line is the 18-month Ascent CD Special (3.04% APY). This limited-time offer requires a minimum opening deposit of $500 of new money. Unlimited additional deposits are allowed throughout the term.

While the Ascent CD Special APY and add-on features are really good, I can’t say the same for Aventa CU’s...

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Aventa Credit Union Adds 30-Month CD Special
Deal Summary: 30-month Certificate Special, 3.04% APY, $5k minimum deposit, new money.

Availability: Residents of nine south central Colorado counties.

Over the weekend, Aventa Credit Union (Aventa CU) added a 30-month Certificate Special (3.04% APY). This limited-time offer requires a minimum deposit of $5k of new money, with no stated balance cap.

There is one statement in the fine print on the Rates page that caused me some concern:

CSR stated that the “rates may change” sentence is included in the fine print for all Aventa CU Certificates, indicating...

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Top Long-Term CD and IRA CD Rates at Aventa Credit Union in Colorado

Aventa Credit Union is offering some competitive long-term CD and IRA CD rates. They have Jumbo CDs with a $50K minimum which have the best rates. These include a 2.93% APY 5-year CD, a 2.27% APY 3-year CD and a 1.76% APY 2-year CD. The rates are 0.10% lower for a $10K minimum and 0.20% lower for a $500 minimum. These rates are listed in the credit union's CD rates page as of 2/21/2011.

According to the credit union's disclosure, CDs with terms over 1 year have a penaltly of either...

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6.00% 24-Month / 5.80% 18-Month CD at a Colorado CU (Colorado Springs).
Colorado Springs Credit Union is offering two high yield certificates: 6.00% APY 24-month and a 5.80% APY 18-month. The minimum deposit is $10,000. New money is required, and this does not apply to IRA's. This special doesn't seem to be listed at the credit union's website. It was advertised in the Colorado Springs Gazette. The ad is available online here.

You can be eligibility to join the credit union by being a member of Pikes Peak Arts Council, the Police Athletic League, Business of Arts Center, or the Asset Advisors Management...

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