Vectra Bank Colorado

Certificates of Deposit

Certificates of Deposit

Diversify your portfolio with a Certificate of Deposit. Vectra Bank Colorado offers a guaranteed interest rate and the flexibility to choose a term that fits your investment needs.

Certificates of Deposit

If you have at least $1,000 to deposit and don't need access to it right away, a fixed rate Certificate of Deposit is a great choice. You can choose a term between 1 month to 5 years.

Personal CD
Term Interest Rate Annual Percentage Yield (APY)*
3 months 0.05% 0.05%
6 months 0.05% 0.05%
12 months 0.10% 0.10%
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Personal Jumbo CD
Term Interest Rate Annual Percentage Yield (APY)*
3 months 0.05% 0.05%
6 months 0.05% 0.05%
12 months 0.20% 0.20%
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Your Vectra Bank Relationship Banker is always available to answer your questions and help with all of your financial needs. For additional terms or questions please give us a call at 844–210–3604, visit a branch near you or complete the form below.

Complete the form below and we’ll contact you about Certificates of Deposit from Vectra Bank.

**Important Details**
* Balance requirements: Minimum balance to open and earn APY on Personal Certificate of Deposit (CD) is $1,000 and Jumbo Certificate of Deposit (CD) is $100,000.

Interest: Interest rates and annual percentage yields (APY) are current as of . Interest begins to accrue on the business day you deposit non–cash items (for example, checks). The stated APY assumes interest on deposit until maturity and a withdrawal of interest will reduce earnings. We use the daily balance method to calculate interest. This method applies a periodic rate to the principal in the account each day.

Renewal: CDs renew at maturity for a similar period unless we send notice of nonrenewal. Grace period is ten (10) calendar days beginning on the date of maturity or three (3) calendar days beginning on the date of maturity if the term of your certificate is 31 days or less.

Withdrawal penalty: Early withdrawal/closure penalties may be assessed when principal is withdrawn from a CD prior to the maturity date. The early withdrawal penalty is calculated based on the interest rate paid on your CD at the time of withdrawal and the length of your CD term. The penalty applies regardless of the length of time the funds have remained on deposit. The early withdrawal/closure penalties may affect the principal of the CD. For CD terms 31-days or less penalty assessed equals all interest the principal withdrawn would have earned for the entire term of the CD; for CD terms 32-days to 1-year penalty assessed is equivalent to 90 days interest earned on the amount of principal withdrawn; for CD terms over 1-year penalty assessed is equivalent to 180 days interest earned on the amount of principal withdrawn.

See Personal Account Terms and Deposit Agreement for additional information about fees, terms and conditions.