Colony Bank CD Rates — October 2026
As of October 22, 2026, Colony Bank's highest tracked CD rate is 4.05% APY on an 11-month promotional CD ($500 minimum). That is 2.3 times the FDIC national average for 12-month CDs (1.76%).
Tracking began .
Colony Bank CD rates
CD rate specials only (currently 5, 11 and 15 months), each with a $500 minimum to open; specials renew automatically into standard terms at maturity. Standard CD rates are not included.
| Term | Product | APY |
|---|---|---|
| 5 months | 5 Month CD Rate Special Promotional | 4.00%Verified October 22, 2026 |
| 11 months | 11 Month CD Rate Special Promotional | 4.05%Verified October 22, 2026 |
| 15 months | 15 Month CD Rate Special Promotional | 3.40%Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Colony Bank's best CD rates by term?
Colony Bank's best rate is 4.05% APY on 11 months, verified October 22, 2026.
- 5 mo4.00%
- 11 mo4.05%
- 15 mo3.40%
How much interest could a Colony Bank CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$371.10 interest · $10,371.10 at maturity on $10,000.00.
4.05% APY · 11 months · 11 Month CD Rate Special · Promotional · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 5 months | $82.344.00% APY · 5 Month CD Rate Special · Promotional | $164.674.00% APY · 5 Month CD Rate Special · Promotional | $411.684.00% APY · 5 Month CD Rate Special · Promotional | $823.364.00% APY · 5 Month CD Rate Special · Promotional |
| 11 months | $185.554.05% APY · 11 Month CD Rate Special · Promotional | $371.104.05% APY · 11 Month CD Rate Special · Promotional | $927.764.05% APY · 11 Month CD Rate Special · Promotional | $1,855.514.05% APY · 11 Month CD Rate Special · Promotional |
| 15 months | $213.283.40% APY · 15 Month CD Rate Special · Promotional | $426.553.40% APY · 15 Month CD Rate Special · Promotional | $1,066.383.40% APY · 15 Month CD Rate Special · Promotional | $2,132.763.40% APY · 15 Month CD Rate Special · Promotional |
How Colony Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 335-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 14 of 40 tracked institutions with fresh 335-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Colony Bank (this institution)11 Month CD Rate Special · Promotional | 11 months | $500 | Coverage: FL, GA | 4.05% | October 22, 2026 |
| Capital One360 CD · Promotional | 11 months | Not stated | Nationwide; check eligibility | 4.40% | October 22, 2026 |
| DFCU FinancialShare Certificate · Promotional | 11 months | $1,000 | Coverage: FL, MI | 4.25% | October 22, 2026 |
| Webster BankPrivate 11 Month · Promotional | 11 months | $500 | Coverage: CT, DE, FL, MA, NH, NJ, NY, PA, RI | 4.25% | October 22, 2026 |
| Happen Bank (highest tracked APY for this term)CD · Promotional | 11 months | $500 | Coverage: CA, UT | 4.65% | October 22, 2026 |
| Treasury (APY-equivalent) | 11 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.54% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Colony Bank on October 22, 2026.
About Colony Bank
- Legal name
- Colony Bank
- Regulator ID
- FDIC 22257
- Headquarters
- Fitzgerald, GA
- Available in
- FL, GA
- Total assets
- $3.6 billion
- Also known as
- Website
- colony.bank
Source: rates read from https://colony.bank/personal/savings/certificates-of-deposit/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Colony Bank?
Among the rates we track, 4.05% APY on an 11-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Colony Bank CD?
The lowest minimum we found is $500.
How does Colony Bank's best CD rate compare with Treasury yields?
4.05% APY is −0.49% versus the 11-month Treasury yield of 4.54% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.05% a good CD rate?
It is 2.3 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Colony Bank CDs insured?
Colony Bank is an FDIC-insured bank (FDIC 22257). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Colony Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Colony Bank's website and may change at any time. Confirm terms, minimums and eligibility with Colony Bank before opening an account. This page is not financial advice.