# Colorado Federal Savings Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/colorado-federal-savings-bank
Institution: Colorado Federal Savings Bank (FDIC 33111)
Aliases: 
Status: live
Last verified: 2026-10-23T11:31:50.000Z (October 23, 2026)
Official source: https://www.coloradofederalbank.com/deposits
Coverage: Personal CDs and a no-penalty certificate, with a $5,000 minimum opening deposit. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-22. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 3 Month CD | standard | 3 months | $5,000 | 3.75% | Not ZIP-priced | −0.51% | 2026-10-23T11:31:50.000Z | [Snapshot 1001](https://apyledger.com/snapshots/1001) |
| 6 Month CD | standard | 6 months | $5,000 | 4.15% | Not ZIP-priced | −0.19% | 2026-10-23T11:31:50.000Z | [Snapshot 1001](https://apyledger.com/snapshots/1001) |
| No Penalty Certificate of Deposit | standard | 11 months | $5,000 | 3.95% | Not ZIP-priced | −0.49% | 2026-10-23T11:31:50.000Z | [Snapshot 1001](https://apyledger.com/snapshots/1001) |
| 12 Month CD | standard | 12 months | $5,000 | 4.35% | Not ZIP-priced | −0.11% | 2026-10-23T11:31:50.000Z | [Snapshot 1001](https://apyledger.com/snapshots/1001) |
| 18 Month CD | standard | 18 months | $5,000 | 4.30% | Not ZIP-priced | −0.28% | 2026-10-23T11:31:50.000Z | [Snapshot 1001](https://apyledger.com/snapshots/1001) |
| 24 Month CD | standard | 24 months | $5,000 | 4.20% | Not ZIP-priced | −0.50% | 2026-10-23T11:31:50.000Z | [Snapshot 1001](https://apyledger.com/snapshots/1001) |
| 36 Month CD | standard | 36 months | $5,000 | 4.15% | Not ZIP-priced | −0.63% | 2026-10-23T11:31:50.000Z | [Snapshot 1001](https://apyledger.com/snapshots/1001) |
| 60 Month CD | standard | 60 months | $5,000 | 4.05% | Not ZIP-priced | −0.79% | 2026-10-23T11:31:50.000Z | [Snapshot 1001](https://apyledger.com/snapshots/1001) |

Early withdrawal penalty, quoted from https://apyledger.com/snapshots/1001 (read 2026-10-23T11:31:50.000Z):

> 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.

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.