Bank · FDIC insured
Colonial CD Rates
Colonial’s best CD rate is 4.03% APY on a 6-month CD. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Colonial’s CD rates compare
Compared with banks and credit unions near Dallas, TX, where Colonial has the most branches. $10,000, best rate first.
This bank’s best
Colonial
4.03%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $200
Certificate of Deposit
Top rate
National Police FCU
4.71%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,481
2nd-highest rate
Advancial Federal Credit Union
4.66%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,558
Colonial CD score
79
CD score
Higher than 48% of U.S. banks and credit unions
- 3–8 months3–8 mo4.03%
- 9–15 months9–15 mo3.69%
- 31–60 months31–60 mo1.38%
- QualifiedQualified4.03%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Colonial ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 4.03%APY · 7 terms
Substantial penalty for early withdrawal of principal. Promotional Certificate of Deposit products do not qualify for rate bump.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| UnknownTerm is 32 - 89 days | 0.62% | $0 |
| UnknownTerm is 90 - 179 days | 2.53% | $0 |
| 6 months | 4.03% | $200 |
| 11 monthsMinimum CD deposit of $10,000. New CD deposits only; existing Colonial Savings deposits or accounts cannot be transferred to the Colonial Advantage CD offer | 3.69% | $338 |
| 12 months | 3.30% | $330 |
| 13 months | 3.66% | $397 |
| 36 months | 1.38% | $420 |
| 60 months | 1.13% | $578 |
Sources (2)
All captured Sep 17, 2026
Jumbo Certificate of Deposit
Up to 4.03%APY · 7 terms
New Jumbo deposits only; existing Colonial Savings deposits or accounts cannot be transferred to the Colonial Advantage Jumbo offer.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| UnknownTerm is 32 - 89 days | 0.62% | $0 |
| UnknownTerm is 90 - 179 days | 2.53% | $0 |
| 6 months | 4.03% | $200 |
| 11 monthsMinimum Jumbo deposit of $100,000. New Jumbo deposits only; existing Colonial Savings deposits or accounts cannot be transferred to the Colonial Advantage Jumbo offer | 3.69% | $338 |
| 12 months | 3.30% | $330 |
| 13 months | 3.66% | $397 |
| 36 months | 1.38% | $420 |
| 60 months | 1.13% | $578 |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Individual Retirement Account (IRA) Certificate of Deposit - Fixed Rate
Up to 4.00%APY · 6 terms
Can be traditional or Roth IRA. IRAs automatically renew at rate in effect at maturity. No annual fee. Not currently accepting out of state IRA Deposits. Substantial penalty for early withdrawal of principal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.00% | $198 |
| 11 months11-month IRA requires minimum deposit of $10,000. New deposits only; existing Colonial Savings deposits or accounts cannot be transferred to the 11-month IRA | 3.63% | $332 |
| 12 months | 3.25% | $325 |
| 13 months | 3.60% | $391 |
| 36 months | 1.37% | $417 |
| 60 months | 1.12% | $573 |
Sources (2)
All captured Sep 17, 2026
Individual Retirement Account (IRA) Certificate of Deposit - Variable Rate
Up to 4.00%APY · 2 terms
Can be traditional or Roth IRA. Allows additions. The interest rate and APY may change after account opening. IRAs automatically renew at rate in effect at maturity. No annual fee. Not currently accepting out of state IRA Deposits. Substantial penalty for early withdrawal of principal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsVariable rate; interest rate and APY may change after account opening | 4.00% | $198 |
| 12 monthsVariable rate; interest rate and APY may change after account opening | 3.25% | $325 |
Sources (2)
All captured Sep 17, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.