CDTs (Certificates of Deposit) are the most popular fixed-term savings instrument in Colombia. In 2026, Colombians have the option of choosing between traditional banks like Bancolombia or new digital fintechs like Nu Colombia. Which offers higher returns and less friction?
CDT Rate Comparison (March 2026)
| Institution | 60 days | 90 days | 180 days | Minimum |
|---|---|---|---|---|
| Nu Colombia | 9.40% | 9.50% | 9.70% | $50,000 COP |
| Bancolombia | 9.09% | ~9.20% | ~9.40% | Variable |
Nu Colombia: digital, accessible, and competitive
Nu Colombia is here to democratize access to savings. Its CDTs can be opened in minutes via the app, with a minimum deposit of just $50,000 COP (~$12 USD). Rates are higher than Bancolombia’s across all available terms (60 to 1,080 days).
La Cajita Nu is the alternative for those who don’t want a fixed-term deposit: 8.75% APR with immediate availability and no minimum. It is the most flexible product on the Colombian market in 2026.
Bancolombia: backed by Colombia’s largest bank
Bancolombia offers rates slightly lower than Nu but has advantages that matter to certain profiles: a network of 1,100 branches, integration with existing checking accounts, and a longer track record. For large amounts, Bancolombia’s rates may improve through direct negotiation with the bank.
Both institutions are protected by Fogafín up to COP 50 million per account holder and institution.
What else is out there besides Nu and Bancolombia?
The Colombian market has institutions with even higher rates. According to data from March 2026, La Hipotecaria offers up to 12.90% APR over 180 days, and MiBanco S.A. reaches 11.41% APR over 90 days. These are smaller institutions but are equally supervised by the Financial Supervision Authority and protected by Fogafín.
Which one should you choose?
- First-time CDT user or small amount: Nu Colombia (starting at $50,000 COP, 100% digital)
- Want full liquidity: Cajita Nu 8.75% without a fixed term
- Already a Bancolombia customer: Bancolombia CDT for integration with your account
- Maximize returns: explore institutions like La Hipotecaria or MiBanco (always verify Fogafín coverage)
Check out the updated comparison of CDTs in Colombia to see all options sorted by rate.