Lock in up to a 3.90%APY fixed rate CD
Get a great rate, a local bank in your corner, and a commitment to helping you reach your financial goals.
We’re building Colorado’s best banking relationships with CD rates like this
Earn 3.50% fixed APY on a 6-month CD, 3.70% on a 12-month CD, or 3.90% on an 18-month CD.
- No deposit maximum, low deposit minimum of $1,000
- Fixed Interest rate that compounds daily
- Available for personal, business, public funds, and CD IRA accounts
- FDIC Insured up to $250,000, so you can bank with confidence
- A Colorado bank that’s big enough to count, yet small enough to care
Personal Standard CD up to $99,999
Reap the benefits of a competitive interest rate for a fixed term. For Personal CDs up to and including $99,999.
Business Standard CD up to $99,999
Reap the benefits of a competitive interest rate for a fixed term. For Business CDs up to and including $99,999.
Personal or Business Jumbo CDs of $100,000 and more
Benefit from a competitive rate on larger investment amounts of $100,000 and greater. See a banker for details.
Let’s make the most of your money
A CD that delivers increased returns
Get higher returns than a traditional savings account with a fixed rate that compounds daily.
Committed to building relationships
Any bank can facilitate a transaction; but at Vectra Bank, we’re committed to building strong banking relationships with the people of Colorado.
Don’t let your savings sit inactive
Take advantage of this high interest environment and lock in your rate today. Markets may fluctuate, but your rate won’t during the CD term.
CDs are insured up to $250k
You can bank with confidence at Vectra Bank because CDs are FDIC-insured to the maximum amount of $250,000.
Frequently Asked Questions (FAQs)
What is a Certificate of Deposit?
Also known as a CD, this deposit instrument earns interest at a fixed CD interest rate for a fixed term period. This interest is compounded daily.
How does a Certificate of Deposit work?
The amount deposited into your CD account must stay untouched for the agreed-upon term period to ensure that the full interest can accrue and there are no early withdrawal fees. This makes CDs a natural choice for funds that can be set aside for investing since your interest rate will not fluctuate during the term period.
What does a deposit minimum mean?
A deposit minimum is the amount that must be put into your CD account for the rate to apply to your funds.
What is APY?
APY stands for Annual Percentage Yield and is the actual amount of return you will achieve according to compounding interest on your CD.
What does "compounded daily" mean?
Daily compounding means that your interest is calculated and added to your balance each day. This means your savings will grow each day. Though the amount of growth may be small at first, it will increase over time.
What does "FDIC insured mean"?
FDIC insurance means that your deposit is backed by the federal government. The maximum amount covered by FDIC insurances is $250,000. More complete information can be found on the FDIC website, including the FDIC’s Electronic Insurance Deposit Estimator (EDIE).
Can I add money to my CD after making the initial deposit?
Speak with your banker for more details.
What if I want to withdraw my funds early?
An early withdrawal penalty will be assessed. Visit our CD disclosure in the Agreement Center for more details.
Personal Standard CD up to $99,999
Reap the benefits of a competitive interest rate for a fixed term. For Personal CDs up to and including $99,999.
Business Standard CD up to $99,999
Reap the benefits of a competitive interest rate for a fixed term. For Business CDs up to and including $99,999.
Personal or Business Jumbo CDs of $100,000 and more
Benefit from a competitive rate on larger investment amounts of $100,000 and greater. See a banker for details.