Best CDTs in Colombia 2026 2026

CDTs (Certificados de Depósito a Término) are the most popular fixed-term savings product in Colombia, equivalent to a time deposit. In March 2026, rates reach up to 12.9% E.A. at specialised financial institutions, with major banks offering between 9% and 10% E.A. Nu Colombia has democratised access to digital CDTs from just COP $50,000. APYData compares all available options so you can maximise the return on your money.

Products compared

9.70%

Best APY available

9.26%

Average APY

#	Entity	Product	APY	Score	Risk	Liquidity	View
1	Nu Colombia	CDT Nu 180 dias	9.70%	9.0	Low	—	View →
2	Nu Colombia	CDT Nu 90 dias	9.50%	8.9	Low	—	View →
3	Bancolombia	CDT Bancolombia	9.09%	8.8	Low	—	View →
4	Nu Colombia	Cajita Nu Colombia	8.75%	8.7	Low	—	View →

Want to filter by term, currency or guarantee?
Use the full comparator with all available filters.

Open comparator →

APY Radar — weekly yield alerts

Receive an email when a product exceeds your target APY. No ads, no spam — just data.

Frequently asked questions

What is a CDT in Colombia?

A CDT (Certificado de Depósito a Término) is an investment product where you deposit money for a fixed term (from 30 days to several years) in exchange for a fixed interest rate. At maturity you receive your capital plus interest. They are protected by Fogafín up to COP $50 million per institution.

Is a digital CDT with Nu Colombia worth it?

Yes. Nu Colombia offers 100% digital CDTs from COP $50,000 with competitive rates (9.40%–9.70% E.A. depending on term). The main advantage over traditional banks is ease of opening and low minimum amount. The same Fogafín protection applies.

Do longer terms offer better rates for CDTs?

Generally yes. 180-day CDTs tend to offer higher rates than 60-day ones. However, the difference is not always large: in March 2026, Nu Colombia offers 9.40% at 60 days and 9.70% at 180 days. Assess your liquidity needs before choosing the term.