Simplicity in Saving

Open to All of Colorado

Enjoy an effective way to invest in your future with Certificates of Deposits (CDs). CDs offer higher returns than regular savings without the risk of the stock market. More importantly, ACU provides flexible terms and options along with staff guidance to assist with your needs.

  • 3-60 Month Terms
  • Progressively Higher Rates.
  • Fully Insured
  • Locked Rates

Arapahoe Credit Union can help you customize a CD into an investment plan to maximize every dollar you save, without hindering your lifestyle. For example, with only a $100 minimum opening balance, we can stagger and ladder your money to always provide some access with the most possible return. Take advantage of ACU's progressively high and locked rates.

CD and IRA Rates

CDs and IRA CDs

Product Min Deposit Rate (APY)
$100 2.05%
$100 2.00%
$100 1.95%
$100 1.90%
$100 1.90%
$100 1.85%
$100 1.85%
$100 1.80%
$100 1.75%

As of 09/01/19

It's also fantastically simple to get started. Members can log in and open a new CD. You can even move money from other institutions through AcUtransfer. New members can begin a membership below with ACU’s account tools. Just tap or click one of the options below and get started.


APY= Annual Percentage Yield. Certificates of deposit are guaranteed, safe and secure. All savings are insured by the NCUA to $250,000. Your rate is locked in from the day you open or renew a certificate and cannot go lower during that term. However, rates may change between renewal periods and you want to verify the prevailing rate at renewal or opening. All rates are subject to change at any time without notice until the date of opening. Restrictions may apply. Offer subject to change or cancellation at any time. Early withdrawal fees may apply if CD is redeemed prior to full-term. For the rate comparison, we took ten other, leading credit unions' 60 month rates as of August 13th, 2018. We averaged them against our two month CD average leaving ACU a full 45% above the competition. While this may not be representative of every credit union, it is indicative of the current market. More details are available by emailing

Live Your Lifestyle

We all want to live our own way.  It's important that we do it the right way.  Arapahoe CU looks to help.