Colorado Federal Savings Bank CD Rates — October 2026
As of October 23, 2026, Colorado Federal Savings Bank's highest tracked CD rate is 4.35% APY on a 12-month CD ($5,000 minimum). That is 2.5 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 3.75% to 4.35% APY.
Tracking began .
Colorado Federal Savings Bank CD rates
Personal CDs and a no-penalty certificate, with a $5,000 minimum opening deposit. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | 3 Month CD | $5,000 | 3.75%Free rate alert | −0.51% | Top 16% of tracked 3-month CDs · Verified October 23, 2026 |
| 6 months | 6 Month CD | $5,000 | 4.15%Free rate alert | −0.19% | Top 8% of tracked 6-month CDs · Verified October 23, 2026 |
| 11 months | No Penalty Certificate of Deposit | $5,000 | 3.95%Free rate alert | −0.49% | Verified October 23, 2026 |
| 12 months | 12 Month CD | $5,000 | 4.35%Free rate alert | −0.11% | Top 8% of tracked 12-month CDs · Verified October 23, 2026 |
| 18 months | 18 Month CD | $5,000 | 4.30%Free rate alert | −0.28% | Top 11% of tracked 18-month CDs · Verified October 23, 2026 |
| 24 months | 24 Month CD | $5,000 | 4.20%Free rate alert | −0.50% | Top 15% of tracked 24-month CDs · Verified October 23, 2026 |
| 36 months | 36 Month CD | $5,000 | 4.15%Free rate alert | −0.63% | Top 12% of tracked 36-month CDs · Verified October 23, 2026 |
| 60 months | 60 Month CD | $5,000 | 4.05%Free rate alert | −0.79% | Top 16% of tracked 60-month CDs · Verified October 23, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-22 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What is the early withdrawal penalty at Colorado Federal Savings Bank?
Early Withdrawal Penalty for withdrawals prior to maturity date equals 1 month of interest on Certificate Term of less than six months, 3 months’ worth of interest on Certificate Term of six months and one year, and 6 months’ worth of interest for a certificate term over one year.
Quoted word for word from the rate page we read on October 23, 2026. Penalties can differ by product, and some are taken from principal when too little interest has been earned; confirm in the account disclosure before opening.
What are Colorado Federal Savings Bank's best CD rates by term?
Colorado Federal Savings Bank's best rate is 4.35% APY on 12 months, verified October 23, 2026.
- 3 mo3.75%
- 6 mo4.15%
- 11 mo3.95%
- 12 mo4.35%
- 18 mo4.30%
- 24 mo4.20%
- 36 mo4.15%
- 60 mo4.05%
How much interest could a Colorado Federal Savings 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.
$435.00 interest · $10,435.00 at maturity on $10,000.00.
4.35% APY · 12 months · 12 Month CD · Standard · verified October 23, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $46.103.75% APY · 3 Month CD · Standard | $92.213.75% APY · 3 Month CD · Standard | $230.513.75% APY · 3 Month CD · Standard | $461.033.75% APY · 3 Month CD · Standard |
| 6 months | $102.984.15% APY · 6 Month CD · Standard | $205.964.15% APY · 6 Month CD · Standard | $514.904.15% APY · 6 Month CD · Standard | $1,029.804.15% APY · 6 Month CD · Standard |
| 11 months | $180.983.95% APY · No Penalty Certificate of Deposit · Standard | $361.953.95% APY · No Penalty Certificate of Deposit · Standard | $904.883.95% APY · No Penalty Certificate of Deposit · Standard | $1,809.773.95% APY · No Penalty Certificate of Deposit · Standard |
| 12 months | $217.504.35% APY · 12 Month CD · Standard | $435.004.35% APY · 12 Month CD · Standard | $1,087.504.35% APY · 12 Month CD · Standard | $2,175.004.35% APY · 12 Month CD · Standard |
| 18 months | $326.254.30% APY · 18 Month CD · Standard | $652.504.30% APY · 18 Month CD · Standard | $1,631.254.30% APY · 18 Month CD · Standard | $3,262.504.30% APY · 18 Month CD · Standard |
| 24 months | $428.824.20% APY · 24 Month CD · Standard | $857.644.20% APY · 24 Month CD · Standard | $2,144.104.20% APY · 24 Month CD · Standard | $4,288.204.20% APY · 24 Month CD · Standard |
| 36 months | $648.694.15% APY · 36 Month CD · Standard | $1,297.384.15% APY · 36 Month CD · Standard | $3,243.464.15% APY · 36 Month CD · Standard | $6,486.914.15% APY · 36 Month CD · Standard |
| 60 months | $1,097.904.05% APY · 60 Month CD · Standard | $2,195.804.05% APY · 60 Month CD · Standard | $5,489.514.05% APY · 60 Month CD · Standard | $10,979.024.05% APY · 60 Month CD · Standard |
How Colorado Federal Savings Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 365-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 31 of 454 tracked institutions with fresh 365-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 | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Colorado Federal Savings Bank (this institution)12 Month CD · Standard | 12 months | $5,000 | Branches in CO | 4.35% | October 23, 2026 |
| Popular DirectCD · Standard | 12 months | $10,000 | Available nationwide | 4.60% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 12 months | Not stated | Available nationwide | 4.55% | October 22, 2026 |
| BarclaysOnline CD · Standard | 12 months | Not stated | Available nationwide | 4.50% | October 22, 2026 |
| Truliant Federal Credit Union (highest tracked APY for this term)Limited-Time 12 Month Term (new external funds required) · Promotional | 12 months | $5,000 | Membership required · branches in NC, SC, VA | 5.00% | October 22, 2026 |
| Treasury (APY-equivalent) | 12 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.46% | 2026-10-22 |
CD rate history
Tracking since October 2026. Each product, term, minimum deposit and location is tracked separately. Charts appear after 30 observed days per quote; missing days are not filled. Showing up to the latest year of observations.
Not enough daily observations yet. A chart will appear automatically once a quote has 30 observed days.
Rate changes
See changes across all tracked institutions
No changes since we started tracking Colorado Federal Savings Bank on October 23, 2026.
About Colorado Federal Savings Bank
- Legal name
- Colorado Federal Savings Bank
- Regulator ID
- FDIC 33111
- Headquarters
- Greenwood Village, CO
- Available in
- CO
- Total assets
- $2.3 billion
- Also known as
- Website
- www.coloradofederalbank.com
Source: rates read from https://www.coloradofederalbank.com/deposits. See the page text we read.
Frequently asked questions
What is the highest CD rate at Colorado Federal Savings Bank?
Among the rates we track, 4.35% APY on a 12-month CD, as of October 23, 2026.
What is the minimum deposit for a Colorado Federal Savings Bank CD?
The lowest minimum we found is $5,000.
How does Colorado Federal Savings Bank's best CD rate compare with Treasury yields?
4.35% APY is −0.11% versus the 12-month Treasury yield of 4.46% (APY-equivalent) on 2026-10-22. Treasury interest is also exempt from state income tax.
Is 4.35% a good CD rate?
It is 2.5 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 Colorado Federal Savings Bank CDs insured?
Colorado Federal Savings Bank is an FDIC-insured bank (FDIC 33111). Deposits are insured up to $250,000 per depositor, per ownership category.
What is the early withdrawal penalty for a Colorado Federal Savings Bank CD?
Colorado Federal Savings Bank's rate page states: “Early Withdrawal Penalty for withdrawals prior to maturity date equals 1 month of interest on Certificate Term of less than six months, 3 months’ worth of interest on Certificate Term of six months and one year, and 6 months’ worth of interest for a certificate term over one year.” Check the account disclosure for the product you open.
How often is this page updated?
We check Colorado Federal Savings Bank's rate page every day. The rates above were last verified on October 23, 2026.
More bank CD rates
Rates are copied from Colorado Federal Savings Bank's website and may change at any time. Confirm terms, minimums and eligibility with Colorado Federal Savings Bank before opening an account. This page is not financial advice.