Bank · FDIC insured
Colorado Federal Bank CD Rates
Top CarrotColorado Federal Bank’s best CD rate is 4.35% APY on a 1-year CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Colorado Federal Bank’s CD rates compare
Compared with banks and credit unions near Denver, CO, where Colorado Federal Bank has the most branches. $10,000, best rate first.
This bank’s best
Colorado Federal Bank
4.35%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $435
Certificates of Deposit
Top rate
Northern New Mexico School Employees Federal Credit Union
5.12%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,050
Northern New Mexico School Employees Federal Credit Union rates
2nd-highest rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
Colorado Federal Bank CD score
95
CD score
Higher than 98% of U.S. banks and credit unions
- 3–8 months3–8 mo4.15%
- 9–15 months9–15 mo4.35%
- 16–30 months16–30 mo4.30%
- 31–60 months31–60 mo4.15%
- QualifiedQualified4.35%
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 Colorado Federal Bank 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.
Certificates of Deposit
Up to 4.35%APY · 7 terms
Accounts available for individuals only. Online CD. No monthly maintenance fee, ACH fee or online Account fee.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly withdrawal penalty equals 1 month of interest | 3.75% | $92 |
| 6 monthsEarly withdrawal penalty equals 3 months' worth of interest | 4.15% | $205 |
| 12 monthsEarly withdrawal penalty equals 3 months' worth of interest | 4.35% | $435 |
| 18 monthsEarly withdrawal penalty equals 6 months' worth of interest | 4.30% | $652 |
| 24 monthsEarly withdrawal penalty equals 6 months' worth of interest | 4.20% | $858 |
| 36 monthsEarly withdrawal penalty equals 6 months' worth of interest | 4.15% | $1,297 |
| 60 monthsEarly withdrawal penalty equals 6 months' worth of interest | 4.05% | $2,196 |
Sources (1)
- coloradofederalbank.com/deposits · captured Oct 22, 2026
No Penalty Certificate of Deposit
3.95%APY · 1 term
Withdrawals are permitted penalty-free starting 7 days after funding. No withdrawals of principal permitted during the first 7 days. Accounts available for individuals only. No monthly maintenance fee, ACH fee or online account fee.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 11 monthsNo early withdrawal penalty after a 7-day period starting on the day of funding. Maximum deposit is none | 3.95% | $361 |
Sources (1)
- coloradofederalbank.com/deposits · captured Oct 22, 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.