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Best Banks & Credit Unions in Colorado

Compare the best banks and credit unions in Colorado: up to 4.07% APY, verified fees, minimums, and membership rules from 30+ local institutions.

Colorado's largest credit union, Ent, combined with Minnesota's Wings Credit Union on January 1, 2026; it now carries the Wings name but still does business as Ent in Colorado. Bellco Credit Union takes members from 19 Colorado counties, including Denver. FirstBank, the Lakewood-based bank, became part of PNC in January 2026. The Colorado Division of Banking supervises state-chartered banks and the Division of Financial Services supervises state-chartered credit unions; all carry FDIC or NCUA insurance to $250,000.

State regulator: Colorado Division of Banking. Every institution below is FDIC- or NCUA-insured to $250,000.

Best banks and credit unions in Colorado 2026

Every bank with a branch in Colorado

120 FDIC-insured banks run 1,333 full-service offices in Colorado. 82 of them are community banks, and 53 operate nowhere else. This is the federal record: every figure below is the regulator's own.

Deposits by office come from the FDIC Summary of Deposits, counted each 30 June; the leverage ratio is capital as a share of assets, from each bank's latest Call Report. Nothing here is blended into a score. Search by ZIP to see the offices nearest you.

Every bank we publish a page for in Colorado

44 of them, largest first. Each page carries the bank's own Call Report figures and every office it runs.

Branches by town in Colorado

Where a bank runs more than one office in a town, every one of them is listed on a page of its own.

Branch pages in Colorado

Every office we publish a page for in Colorado, by town. Each carries what that branch holds, when it opened and the other branches within five miles.

Denver

Colorado Springs

Fort Collins

Greeley

Longmont

Aurora

Boulder

Englewood

Grand Junction

Littleton

Loveland

Broomfield

Commerce City

Lakewood

Pueblo

Westminster

Every credit union with an office in Colorado

75 federally insured credit unions run 387 offices in Colorado, between them serving 21,649,529 members. 41 carry the NCUA's low-income designation. Figures are from each credit union's own NCUA Call Report.

A credit union is measured differently from a bank and the numbers are not interchangeable: the net worth ratio here is the NCUA's capital measure under 12 CFR 702, where 7% is well capitalised, and shares are the credit union equivalent of deposits. Membership usually turns on where you live or work, so a local credit union is often open to you even when its name suggests otherwise.

What makes a Colorado bank account worth opening

Look at four things in order: the APY (does it beat the FDIC national average of about 0.60%?), the monthly fee (anything above $0 should come with a clear waiver path), the minimum opening deposit, and the membership rule for credit unions. Colorado residents typically qualify for at least one large state-chartered credit union on residency alone, and that credit union is often the highest-APY option available locally.

Is my money safe at a Colorado bank or credit union?

Yes, if the institution is federally insured. FDIC covers banks up to $250,000 per depositor, per ownership category; NCUA covers credit unions at the same limits. Every institution in this directory carries one of those insurances. The FDIC or NCUA ID is listed on the full provider row.

Best banks in Colorado cities

Colorado banking FAQ: credit unions, rates & insurance

Who can join Bellco Credit Union in Colorado?

Not everyone in Colorado. Bellco takes people who live or work in 19 Colorado counties, including Denver, Boulder and El Paso, plus relatives of members and staff of partner employers. People outside Colorado can join by contributing to the Bellco Foundation.

Does Colorado tax bank-account interest?

Yes. Colorado taxes interest at its single flat income tax rate, the same rate it applies to wages, so a bigger balance never pushes your interest into a higher bracket. Because the rate is flat, the state's cut is easy to figure: multiply your interest by the rate on the Colorado Department of Revenue's forms for the year you file.

Why is Colorado's credit-union sector growing so fast?

Partly consolidation: Ent, Colorado's largest credit union, combined with Minnesota's Wings Credit Union on January 1, 2026, creating a credit union with nearly $20 billion in assets. Partly wider eligibility: Bellco takes anyone who lives or works in 19 Colorado counties, and out-of-state savers can join through the Bellco Foundation.

Are Colorado state-chartered deposits federally insured?

Yes. All Colorado state-chartered banks carry FDIC insurance and credit unions carry NCUA insurance, both up to $250,000 per depositor per ownership category. The Colorado Division of Banking supervises state-chartered institutions.

Related guides for Colorado savers

Rates and fees change frequently. Confirm current figures directly with each institution before applying, and see our editorial methodology for how this directory is built and maintained.