Credit Union of Denver Offers 13-Month CD Special


Deal Summary: 13-month Certificate Special, 2.75% APY, $5k minimum deposit.

Availability: Easy membership requirement

Credit Union of Denver (CUD) has a 13-month Certificate Special, which earns 2.75% APY. The minimum opening deposit is $5k, with no stated balance cap. Like several of the CDs I’ve written about in the last couple of weeks, the 13-month Certificate Special’s current rate has been in place for a few months, but has only become blog worthy as comparable rates have begun to fall.

1.15%$5k-Credit Union Of Denver13 Month Certificate Special
Rates as of September 20, 2020.

As stated in the Truth-in-Savings disclosure, the Early Withdrawal Penalty reads as follows:

If certificate funds other than interest are withdrawn before maturity date, there will be a forfeiture of interest based on the original term of the certificate:

Over one year but less than 5 years - 90 days interest or $20.00, whichever is greater.

Funding and Accessing Maturing Funds

According to CSR, transferring funds already in your share savings account is the easiest way to fund a Certificate. Funds can be placed into a share savings account by ACH, wire, or check. CUD participates in the CO-OP Shared Branch network, providing members with “access to over 3,500 credit unions with more than 5,600 branches, nearly 30,000 surcharge-free ATMs nationwide.”

As a non-renewable certificate, the 13-month Certificate funds “will be transferred to Prime Savings Accounts automatically at maturity.”


Headquartered in Lakewood, Colorado, Credit Union of Denver’s field of membership (FOM) has a way for almost any US citizen or resident alien to join.

Easy Membership: Anyone who joins Consumer United Association (CUA) is eligible to join CUDenver.

Residency: Individuals who live or work in the Colorado counties of Adams, Araphoe, Boulder, Denver, Douglas, or Jefferson are eligible to join.

Employment: Employees of more than 180 Select Employee Groups (including many federal government agencies and colleges/universities) are eligible to join.

Relationship: Immediate family members or household members of existing Credit Union of Denver are membership-eligible. Immediate family includes spouse, children, sibling, parent, grandparent, grandchildren, including step and adoptive relations.

Joining CUD and/or opening a Certificate Specal can be done online, or at any of three Colorado branches located in Denver and Lakewood (2).

A minimum deposit of $5 is required to open a Credit Union
of Denver Savings Account and to establish your membership.

Credit Union Overview

Credit Union of Denver has an overall health grade of "A+" at, with a Texas Ratio of 3.38% (excellent) based on March 31, 2019 data. In the past year, CUD increased its total non-brokered deposits by $43.03 million, an excellent annual growth rate of 6.32%. Please refer to our financial overview of Credit Union of Denver (NCUA Charter # 64342) for more details.

Founded in 1931 as the Denver Federal Credit Union (DFCU), the original field of membership was exclusive to federal employees. DFCU changed its name to Denver Interior Employees Credit Union (DIECU) in 1950, the same time as the FOM expanded to include the residents of Denver and the surrounding areas. The last rebrand occurred in 1987, when DIECU became Credit Union of Denver as the FOM expanded even further. As the eighth largest credit union in Colorado, Credit Union of Denver has nearly 62,000 members and assets in excess of $824 million.

How the Certificate Special Compares

When compared to 205 similar length-of-term CDs tracked by that require a similar minimum deposit ($5k or less) and are nationally available, Credit Union of Denver's 13-month Certificate Special APY currently ranks second.

The above rates are accurate as of 7/30/2019.

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, 1-year CD rates, nationwide deals


  |     |   Comment #2
Sad. We got a brief taste of higher rates, not even historically normal rates mind you but better than they've been for many years. And then it went poof just like that. Maybe that accounts for the recent lack of comments. It's too depressing to contemplate.
  |     |   Comment #3
Do they have any sort of guarantee before rates (most likely) fall tomorrow?
  |     |   Comment #4
To open cd, does CUofDenver do a hard or soft pull? Thanks.
  |     |   Comment #5
Most Credit unions do a hard pull for whatever reason still not sure why. I guess you can email them or call.
  |     |   Comment #6
called CUofDenver--they do a hard credit check to open a cd

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