New Frontier Bank has some high rates on its certificates of deposit. The best is an 18-month CD with a yield of 5.70% APY. The 12-month CD has a yield of 5.60% APY. The minimum deposit is $1,000. These also have an Add-On feature that allows additional deposits of at least $1K to be made during the term. The maximum that can be added is $100K per term. The 12-month CD also has a step-up feature with a minimum deposit of $25K. This gives you the option to bump up the rate to the current rate being offered up to two times during the term.

Only in-state funds are accepted. Branches are located in the Colorado cities of Greeley, Windsor and Longmont which are located north of Denver. The bank has been FDIC insured since 1998.