# Colony Bank CD rates

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%).

Canonical page: https://apyledger.com/cd-rates/colony-bank
Institution: Colony Bank (FDIC 22257)
Aliases: 
Status: live
Last verified: 2026-10-22T16:21:27.000Z (October 22, 2026)
Official source: https://colony.bank/personal/savings/certificates-of-deposit/
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 5 Month CD Rate Special | promotional | 5 months | $500 | 4.00% | Not ZIP-priced | −0.39% | 2026-10-22T16:21:27.000Z | [Snapshot 326](https://apyledger.com/snapshots/326) |
| 11 Month CD Rate Special | promotional | 11 months | $500 | 4.05% | Not ZIP-priced | −0.49% | 2026-10-22T16:21:27.000Z | [Snapshot 326](https://apyledger.com/snapshots/326) |
| 15 Month CD Rate Special | promotional | 15 months | $500 | 3.40% | Not ZIP-priced | −1.25% | 2026-10-22T16:21:27.000Z | [Snapshot 326](https://apyledger.com/snapshots/326) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.