¿Cuáles son los mejores CDT para invertir en febrero de 2026?
Los Certificados de Depósito a Término (CDT) vuelven a ocupar un lugar central en el radar de los ahorradores colombianos en febrero de 2026, impulsados por el reciente movimiento del Banco de la República, que elevó su tasa de interés en 100 puntos básicos, hasta 10,25 %.
TL;DR
- Colombian savers are increasingly interested in Certificates of Deposit (CDTs) in February 2026.
- The Banco de la República raised its interest rate to 10.25%, impacting CDT yields positively.
- CDT yields are now reaching up to 12% effective annual interest, a level not seen in years.
- CDTs offer low risk, stable returns, and protection against market volatility, appealing to conservative investors.
- With inflation at 5.1% at the end of 2025, CDTs provide real returns above the cost of living.
- Financial institutions, particularly digital banks and finance companies, are offering competitive rates to attract investors.
- Some entities offering competitive rates include Koa, Credefamilia, Ban100, and Ban11, with rates varying by term and investment amount.
- Financial specialists recommend comparing offers based on individual liquidity, investment horizon, and access needs.
- February 2026 is identified as a favorable month to invest in or renew CDTs in Colombia due to rising rates and controlled inflation.