Earn a higher return on your money while investing in your community.

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Open a Certificate of Deposit with Bank of Colorado and earn higher returns on your money. Your dollars stay local and are invested in projects that strengthen your community, redefining what it means to get a return on your investment! That’s thinking outside the bank.

Make smart moves with your money.

Learn what a Certificate of deposit is and the benefits it offers!

 

 

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Get your money working for you.

Get the most out of your savings with Certificates of Deposits. With fixed rates, your money will work as hard as you do and help you reach your financial goals.

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Secure your financial goals.

Enjoy peace-of-mind knowing that your money is safe! Insured by the FDIC, you’ll be earning higher returns than you would with a traditional savings account!

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Substantial penalty for early withdrawal. Fees may reduce earnings.

Safe

Unlike the stock market, this investment is insured by the FDIC

Straightforward

Choose your investment amount and time period

Predictable

Lock in your interest rate and investment term

Easy

Just like opening any account with us, we'll make it simple

CD Ladder vs. Rollover Calculator

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Certificates of deposit are a low-risk way to earn higher returns, but you'll need to keep your funds in the CD for a specified term - and longer terms often have the best rates. How can you earn more without tying up all your savings for a long time? The answer is CD Laddering.

Here's how this savings strategy works: You start by opening several CDs with different terms. Each time a CD matures, you can access the funds if needed or keep saving them by renewing the CD. There are many ways to structure a CD ladder. See if your approach could help you earn more than you would by keeping your funds in a single CD that renews periodically.

CD #1
CD #2
With this laddering strategy, you can grow your savings to a value of $0, whereas keeping your funds in a single CD that renews automatically will result in savings of $0 over the same period. This is a difference of $0.

Certificates of Deposit and You

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Use CDs to Boost Your Long-Term Savings

CDs offer higher returns with the stability of a guaranteed investment, and when you ladder your CDs, they can offer flexibility of quick cash when you need it.
  • Put CD Laddering to Work for You

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  • How to Thrive in the 3 Phases of Financial Life

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  • FDIC - What it Stands for and How it Stands for You

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  • Community Banks Make a Big Difference

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