Credit union · NCUA insured
Columbine FCU CD Rates
Top CarrotColumbine FCU’s best CD rate is 3.95% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Columbine FCU’s CD rates compare
Compared with banks and credit unions near Denver, CO, where Columbine FCU has the most branches. $10,000, best rate first.
This credit union’s best
Columbine FCU
3.95%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $196
Regular Share Certificates
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
Columbine FCU CD score
85
CD score
Higher than 68% of U.S. banks and credit unions
- 3–8 months3–8 mo3.95%
- 9–15 months9–15 mo3.70%
- 16–30 months16–30 mo3.60%
- 31–60 months31–60 mo3.60%
- QualifiedQualified3.95%
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 Columbine FCU ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Regular Share Certificates
Up to 3.95%APY · 6 terms
Early withdrawal penalty may apply: 90 days dividends for terms of 1 year or less, 180 days dividends for terms longer than 1 year. Membership eligibility required. Federally insured by NCUA.
| Term | APY · Any balance | APY · $1,000 and up | APY · $1,000 – $100,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | — | 3.90% | — | 3.90% | $193 |
| 6 monthsEarly withdrawal penalty: 90 days dividends | — | 3.95% | — | 3.95% | $196 |
| 12 months | — | — | 3.65% | 3.65% | $365 |
| 12 monthsEarly withdrawal penalty: 90 days dividends | — | — | 3.70% | 3.70% | $370 |
| 24 months | 3.50% | — | — | 3.50% | $712 |
| 24 monthsEarly withdrawal penalty: 180 days dividends | — | — | 3.55% | 3.55% | $723 |
| 36 months | 3.40% | — | — | 3.40% | $1,055 |
| 36 monthsEarly withdrawal penalty: 180 days dividends | — | — | 3.45% | 3.45% | $1,071 |
| 48 months | 3.40% | — | — | 3.40% | $1,431 |
| 48 monthsEarly withdrawal penalty: 180 days dividends | — | — | 3.45% | 3.45% | $1,453 |
| 60 months | 3.45% | — | — | 3.45% | $1,848 |
| 60 monthsEarly withdrawal penalty: 180 days dividends | — | — | 3.50% | 3.50% | $1,877 |
Sources (3)
- columbinefcu.org/rates-fees
- columbinefcu.org/accounts/money-markets-cds
- columbinefcu.org/wp-content/up…d-Fee-Sheet-2026.2.2.pdf
All captured Oct 15, 2026
Jumbo Share Certificates
3.60%APY · 5 terms
Exclusively for balances of $100,000.00 and greater. Early withdrawal penalties apply. Federally insured by NCUA.
| Term | APY · Any balance | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 months | — | 3.80% | —3.80% from $100k | — |
| 12 monthsEarly withdrawal penalty: 90 days dividends | — | 3.85% | —3.85% from $100k | — |
| 24 months | 3.60% | — | 3.60% | $733 |
| 24 monthsEarly withdrawal penalty: 180 days dividends | — | 3.65% | —3.65% from $100k | — |
| 36 months | 3.60% | — | 3.60% | $1,119 |
| 36 monthsEarly withdrawal penalty: 180 days dividends | — | 3.65% | —3.65% from $100k | — |
| 48 months | 3.60% | — | 3.60% | $1,520 |
| 48 monthsEarly withdrawal penalty: 180 days dividends | — | 3.65% | —3.65% from $100k | — |
| 60 months | 3.60% | — | 3.60% | $1,934 |
| 60 monthsEarly withdrawal penalty: 180 days dividends | — | 3.65% | —3.65% from $100k | — |
Sources (3)
- columbinefcu.org/rates-fees
- columbinefcu.org/accounts/money-markets-cds
- columbinefcu.org/wp-content/up…d-Fee-Sheet-2026.2.2.pdf
All captured Oct 15, 2026
Special-purpose accounts
Youth Prime Certificate
6.75%APY
Designed for members 17 and younger. Maximum balance $1,000. Funds deposited to member's Primary Share Savings. Earns dividends at WSJ Prime Rate. Matures December 31st of each year regardless of opening date.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Designed for members 17 and younger. Dividends paid on $1,000 maximum. Rate based on published Wall Street Journal Prime Rate on date of certificate opening. Matures December 31st annually.Up to $1,000 | 6.75% | — | Designed for members 17 and younger. Dividends paid on $1,000 maximum. Rate based on published Wall Street Journal Prime Rate on date of certificate opening. Matures December 31st annually. |
Sources (2)
All captured Sep 17, 2026
Jumbo IRA Share Certificates
3.60%APY · 5 terms
Roth and Traditional Jumbo IRA CDs available for balances of $100,000 and greater. IRA maintenance fee $15 per year. Early withdrawal penalties apply.
| Term | APY · Any balance | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 months$15 annual IRA fee | — | 3.80% | —3.80% from $100k | — |
| 12 months$15 annual IRA maintenance fee. Early withdrawal penalty: 90 days dividends. Shared section from Jumbo Share Certificates | — | 3.85% | —3.85% from $100k | — |
| 24 months$15 annual IRA fee | 3.60% | — | 3.60% | $733 |
| 24 months$15 annual IRA maintenance fee. Early withdrawal penalty: 180 days dividends. Shared section from Jumbo Share Certificates | — | 3.65% | —3.65% from $100k | — |
| 36 months$15 annual IRA fee | 3.60% | — | 3.60% | $1,119 |
| 36 months$15 annual IRA maintenance fee. Early withdrawal penalty: 180 days dividends. Shared section from Jumbo Share Certificates | — | 3.65% | —3.65% from $100k | — |
| 48 months$15 annual IRA fee | 3.60% | — | 3.60% | $1,520 |
| 48 months$15 annual IRA maintenance fee. Early withdrawal penalty: 180 days dividends. Shared section from Jumbo Share Certificates | — | 3.65% | —3.65% from $100k | — |
| 60 months$15 annual IRA fee | 3.60% | — | 3.60% | $1,934 |
| 60 months$15 annual IRA maintenance fee. Early withdrawal penalty: 180 days dividends. Shared section from Jumbo Share Certificates | — | 3.65% | —3.65% from $100k | — |
Sources (3)
- columbinefcu.org/rates-fees
- columbinefcu.org/accounts/money-markets-cds
- columbinefcu.org/wp-content/up…d-Fee-Sheet-2026.2.2.pdf
All captured Oct 15, 2026
Regular IRA Share Certificates
Up to 3.70%APY · 5 terms
Roth and Traditional IRA CDs available. IRA maintenance fee $15 per year. Early withdrawal penalties may apply. $1,000 minimum opening deposit for Regular IRA CDs.
| Term | APY · Any balance | APY · $1,000 – $100,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 months$15 annual IRA fee | — | 3.65% | 3.65% | $365 |
| 12 months$15 annual IRA maintenance fee. Early withdrawal penalty: 90 days dividends | — | 3.70% | 3.70% | $370 |
| 24 months$15 annual IRA fee | 3.50% | — | 3.50% | $712 |
| 24 months$15 annual IRA maintenance fee. Early withdrawal penalty: 180 days dividends | — | 3.55% | 3.55% | $723 |
| 36 months$15 annual IRA fee | 3.40% | — | 3.40% | $1,055 |
| 36 months$15 annual IRA maintenance fee. Early withdrawal penalty: 180 days dividends | — | 3.45% | 3.45% | $1,071 |
| 48 months$15 annual IRA fee | 3.40% | — | 3.40% | $1,431 |
| 48 months$15 annual IRA maintenance fee. Early withdrawal penalty: 180 days dividends | — | 3.45% | 3.45% | $1,453 |
| 60 months$15 annual IRA fee | 3.45% | — | 3.45% | $1,848 |
| 60 months$15 annual IRA maintenance fee. Early withdrawal penalty: 180 days dividends | — | 3.50% | 3.50% | $1,877 |
Sources (3)
- columbinefcu.org/rates-fees
- columbinefcu.org/accounts/money-markets-cds
- columbinefcu.org/wp-content/up…d-Fee-Sheet-2026.2.2.pdf
All captured Oct 15, 2026
Who can join Columbine FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- You are eligible for membership if you work for or are affiliated with one of Columbine FCU's Select Employee Groups (SEGs).
Family and household
- You are eligible for membership if you are an immediate family or household member of a current member.
Other ways
- You are eligible for membership through GoWest Friends of the Foundation.
Cost to join
- A $5 minimum membership share opening deposit is required to open an account.
Membership information collected October 4, 2026.