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 →

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Best CDTs in Colombia in 2026: yields and safety

Certificados de Depósito a Término (CDT) are Colombia's most popular savings product. They work like fixed-term deposits: you place a sum with a bank for a set period (30 days to 5 years) and receive a pre-agreed interest rate. With Banco de la República rates at elevated levels, CDTs have offered very attractive returns.

How do CDTs work?

When you open a CDT, the bank issues a physical or electronic certificate confirming your investment. At maturity, you receive your principal plus interest. Most CDTs do not allow early withdrawal without a penalty. The most common terms are 90, 180, and 360 days, though 6-month, 1, 2, and 3-year options also exist.

Yields and comparison across banks

Rates vary significantly between institutions. Digital banks and cooperatives typically offer higher rates than traditional banks to attract deposits. Differences of 1–2 percentage points between the best and worst offer for the same term are common.

Deposit guarantee in Colombia

In Colombia, deposits are protected by the Fondo de Garantías de Instituciones Financieras (Fogafín) up to 50 million Colombian pesos per depositor per institution (approximately $12,000 USD in 2026). This coverage applies to CDTs, savings accounts, and current accounts at entities supervised by the Superfinanciera.

Top banks for CDTs in 2026

Bancolombia — largest bank in the country, high security, moderate rates.
Davivienda — wide network, good variety of terms.
Lulo Bank — digital neobank, more competitive rates, 100% online.
Nequi / Daviplata — digital accounts with automatic return on balance.
Financial cooperatives — frequently offer the highest rates, covered by Fogacoop rather than Fogafín.

Tax treatment of CDTs in Colombia

CDT returns are subject to a 7% withholding tax at source on interest, applied directly by the bank. Additionally, interest is included in taxable net income for the annual tax return. Since 2023, financial returns exceeding 1,090 UVT annually must be declared.

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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.