Credit union · NCUA insured
Denver Fire Department Federal Credit Union CD Rates
Denver Fire Department Federal Credit Union’s best CD rate is 4.00% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Denver Fire Department Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Denver, CO, where Denver Fire Department Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Denver Fire Department Federal Credit Union
4.00%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,167
Share Certificate
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
Denver Fire Department Federal Credit Union CD score
87
CD score
Higher than 76% of U.S. banks and credit unions
- 3–8 months3–8 mo3.80%
- 9–15 months9–15 mo3.80%
- 16–30 months16–30 mo3.82%
- 31–60 months31–60 mo4.00%
- QualifiedQualified4.00%
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 Denver Fire Department Federal Credit Union 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.
Share Certificate
Up to 4.00%APY · 5 terms
Requires DFDFCU membership (purchase and maintain 1 share, par value $25.00). Fixed rate; dividends paid and compounded monthly. All Certificates of Deposit have a $500 minimum balance requirement. Share certificates auto-renew upon opening with a 5-day grace period. Early withdrawal penalty is 90 days' dividends.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.80% | $188 |
| 12 months | 3.80% | $380 |
| 24 months | 3.82% | $779 |
| 36 months | 3.90% | $1,216 |
| 60 months | 4.00% | $2,167 |
Sources (3)
- dfdfcu.com/deposits/personal/savings
- dfdfcu.com/Deposit-Rates
- dfdfcu.com/uploads/userfiles/f…ew-Disclosure-3-2021.pdf
All captured Oct 15, 2026
Special-purpose accounts
Health Savings Certificate of Deposit (HSA CD)
Up to 4.00%APY · 5 terms
A High Deductible Health Plan (HDHP) is required to have an HSA account or HSA CD. Requires DFDFCU membership (purchase and maintain 1 share, par value $25.00). Fixed rate; dividends paid and compounded monthly. All Certificates of Deposit have a $500 minimum balance requirement. Auto-renews upon opening with a 5-day grace period. Early withdrawal penalties may apply (90 days' dividends). Tax-deductible contributions and tax-free withdrawals for qualified medical expenses.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.80% | $188 |
| 12 months | 3.80% | $380 |
| 24 months | 3.82% | $779 |
| 36 months | 3.90% | $1,216 |
| 60 months | 4.00% | $2,167 |
Sources (3)
- dfdfcu.com/deposits/personal/savings
- dfdfcu.com/Deposit-Rates
- dfdfcu.com/uploads/userfiles/f…ew-Disclosure-3-2021.pdf
All captured Oct 15, 2026
IRA Certificate
Up to 4.00%APY · 5 terms
Requires DFDFCU membership (purchase and maintain 1 share, par value $25.00). Fixed rate; dividends paid and compounded monthly. All Certificates of Deposit have a $500 minimum balance requirement. Auto-renews upon opening with a 5-day grace period. Early withdrawal penalty is 90 days' dividends; exceptions apply if IRA owner attains age 59 1/2 or becomes disabled, or if paid within 7 days of establishment.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.80% | $188 |
| 12 months | 3.80% | $380 |
| 24 months | 3.82% | $779 |
| 36 months | 3.90% | $1,216 |
| 60 months | 4.00% | $2,167 |
Sources (2)
All captured Oct 15, 2026
Who can join Denver Fire Department Federal Credit Union
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