Vectra Bank CD Rates — October 2026
As of October 22, 2026, Vectra Bank's highest tracked CD rate is 3.90% APY on an 18-month CD ($1,000 minimum). That is 2.5 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 0.01% to 3.90% APY.
Tracking began .
Vectra Bank CD rates
Vectra Bank is a division of Zions Bancorporation, N.A. Standard CDs from 7 days to 60 months for balances from $1,000 up to $99,999. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 7 days | Standard Certificate of Deposit | $1,000 | 0.01% | −4.12% | Verified October 22, 2026 |
| 1 month | Standard Certificate of Deposit | $1,000 | 0.01% | −4.12% | Verified October 22, 2026 |
| 3 months | Standard Certificate of Deposit | $1,000 | 0.01% | −4.29% | Verified October 22, 2026 |
| 6 months | Standard Certificate of Deposit | $1,000 | 3.50% | −0.90% | Verified October 22, 2026 |
| 9 months | Standard Certificate of Deposit | $1,000 | 0.01% | −4.47% | Verified October 22, 2026 |
| 12 months | Standard Certificate of Deposit | $1,000 | 3.70% | −0.87% | Verified October 22, 2026 |
| 18 months | Standard Certificate of Deposit | $1,000 | 3.90% | −0.82% | Top 33% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | Standard Certificate of Deposit | $1,000 | 0.10% | −4.77% | Verified October 22, 2026 |
| 36 months | Standard Certificate of Deposit | $1,000 | 0.15% | −4.80% | Verified October 22, 2026 |
| 48 months | Standard Certificate of Deposit | $1,000 | 0.25% | −4.73% | Verified October 22, 2026 |
| 60 months | Standard Certificate of Deposit | $1,000 | 0.30% | −4.71% | Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Vectra Bank's best CD rates by term?
Vectra Bank's best rate is 3.90% APY on 18 months, verified October 22, 2026.
- 7 days0.01%
- 1 mo0.01%
- 3 mo0.01%
- 6 mo3.50%
- 9 mo0.01%
- 12 mo3.70%
- 18 mo3.90%
- 24 mo0.10%
- 36 mo0.15%
- 48 mo0.25%
- 60 mo0.30%
How much interest could a Vectra Bank CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$591.22 interest · $10,591.22 at maturity on $10,000.00.
3.90% APY · 18 months · Standard Certificate of Deposit · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 7 days | $0.010.01% APY · Standard Certificate of Deposit · Standard | $0.020.01% APY · Standard Certificate of Deposit · Standard | $0.050.01% APY · Standard Certificate of Deposit · Standard | $0.100.01% APY · Standard Certificate of Deposit · Standard |
| 1 month | $0.040.01% APY · Standard Certificate of Deposit · Standard | $0.080.01% APY · Standard Certificate of Deposit · Standard | $0.210.01% APY · Standard Certificate of Deposit · Standard | $0.410.01% APY · Standard Certificate of Deposit · Standard |
| 3 months | $0.120.01% APY · Standard Certificate of Deposit · Standard | $0.250.01% APY · Standard Certificate of Deposit · Standard | $0.620.01% APY · Standard Certificate of Deposit · Standard | $1.250.01% APY · Standard Certificate of Deposit · Standard |
| 6 months | $86.993.50% APY · Standard Certificate of Deposit · Standard | $173.973.50% APY · Standard Certificate of Deposit · Standard | $434.943.50% APY · Standard Certificate of Deposit · Standard | $869.873.50% APY · Standard Certificate of Deposit · Standard |
| 9 months | $0.380.01% APY · Standard Certificate of Deposit · Standard | $0.750.01% APY · Standard Certificate of Deposit · Standard | $1.880.01% APY · Standard Certificate of Deposit · Standard | $3.750.01% APY · Standard Certificate of Deposit · Standard |
| 12 months | $185.003.70% APY · Standard Certificate of Deposit · Standard | $370.003.70% APY · Standard Certificate of Deposit · Standard | $925.003.70% APY · Standard Certificate of Deposit · Standard | $1,850.003.70% APY · Standard Certificate of Deposit · Standard |
| 18 months | $295.613.90% APY · Standard Certificate of Deposit · Standard | $591.223.90% APY · Standard Certificate of Deposit · Standard | $1,478.063.90% APY · Standard Certificate of Deposit · Standard | $2,956.113.90% APY · Standard Certificate of Deposit · Standard |
| 24 months | $10.000.10% APY · Standard Certificate of Deposit · Standard | $20.010.10% APY · Standard Certificate of Deposit · Standard | $50.020.10% APY · Standard Certificate of Deposit · Standard | $100.050.10% APY · Standard Certificate of Deposit · Standard |
| 36 months | $22.530.15% APY · Standard Certificate of Deposit · Standard | $45.070.15% APY · Standard Certificate of Deposit · Standard | $112.670.15% APY · Standard Certificate of Deposit · Standard | $225.340.15% APY · Standard Certificate of Deposit · Standard |
| 48 months | $50.190.25% APY · Standard Certificate of Deposit · Standard | $100.380.25% APY · Standard Certificate of Deposit · Standard | $250.940.25% APY · Standard Certificate of Deposit · Standard | $501.880.25% APY · Standard Certificate of Deposit · Standard |
| 60 months | $75.450.30% APY · Standard Certificate of Deposit · Standard | $150.900.30% APY · Standard Certificate of Deposit · Standard | $377.260.30% APY · Standard Certificate of Deposit · Standard | $754.510.30% APY · Standard Certificate of Deposit · Standard |
How Vectra Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 548-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 111 of 331 tracked institutions with fresh 548-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Vectra Bank (this institution)Standard Certificate of Deposit · Standard | 18 months | $1,000 | Branches in CO, NM | 3.90% | October 22, 2026 |
| Kirtland Federal Credit Union (highest tracked APY for this term)18-Month Limited-Time Share Certificate · Promotional | 18 months | $500 | Membership required · branches in NM | 5.12% | October 22, 2026 |
| Bread SavingsBread Savings CD · Standard | 18 months | $1,500 | Available nationwide | 4.85% | October 22, 2026 |
| Popular DirectCD · Standard | 18 months | $10,000 | Available nationwide | 4.75% | October 22, 2026 |
| Treasury (APY-equivalent) | 18 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.72% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Vectra Bank on October 22, 2026.
About Vectra Bank
- Legal name
- Zions Bancorporation, N.A.
- Regulator ID
- FDIC 2270
- Headquarters
- Denver, CO
- Available in
- CO, NM
- Total assets
- $89.0 billion
- Also known as
- Vectra Bank Colorado
- Website
- www.vectrabank.com
Source: rates read from https://www.vectrabank.com/personal/deposit-rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Vectra Bank?
Among the rates we track, 3.90% APY on an 18-month CD, as of October 22, 2026.
What is the minimum deposit for a Vectra Bank CD?
The lowest minimum we found is $1,000.
How does Vectra Bank's best CD rate compare with Treasury yields?
3.90% APY is −0.82% versus the 18-month Treasury yield of 4.72% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.90% a good CD rate?
It is 2.5 times the FDIC national average for a similar term (1.55% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Vectra Bank CDs insured?
Vectra Bank is an FDIC-insured bank (FDIC 2270). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Vectra Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Vectra Bank's website and may change at any time. Confirm terms, minimums and eligibility with Vectra Bank before opening an account. This page is not financial advice.