What are the current interest rates at Columbine Federal Credit Union?

Current rates for Columbine Federal Credit Union include: 12-Month CD: 3.70%, 24-Month CD: 3.55%, 60-Month CD: 3.50%, Savings: 0.05%, MMA: 1.35%

MonitorBankRates

☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

Home›
Credit Unions›
Columbine Federal Credit Union

iAdvertiser Disclosure

Columbine Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Columbine Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Columbine Federal Credit Union's top rates as of October 9, 2026 are 3.95% APY on its Regular CDs - 6 month CD, 0.05% APY on savings, 1.35% APY on money market accounts, and personal loans from 10.99% APR, according to rates verified by MonitorBankRates. Other Columbine Federal Credit Union CD rates include Jumbo IRA CD - 1 Year at 3.85%, Jumbo CDs - 1 Year at 3.85%, and 1 Year Regular IRA CD at 3.70%. MonitorBankRates evaluates the financial stability of Columbine Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.82%. Rates last updated and verified on 10/09/2026.

Columbine Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Columbine Federal Credit Union? Share your experience about Columbine Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Columbine Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.82%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Columbine Federal Credit Union
Main Office

4902 E Dry Creek Rd
Centennial, CO 80122

https://www.columbinefcu.org

Customer Reviews

Be the first to review

Write a Review

Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Columbine Federal Credit Union CD Rates

Product	Rate	APY	Term
Regular Share Certificates - 6 month	-	3.95%	6 Months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 + Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 3.95% ▲ 0.15 pts · high 3.95% / low 3.80% Sep 25, 20263.95%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%
Jumbo IRA Share Certificate - 1 Year	-	3.85%	1 Year
Min Balance $100,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.70% → 3.85% ▲ 0.15 pts · high 3.85% / low 3.70% Sep 25, 20263.85%▲ from 3.70% Sep 14, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%
Jumbo Share Certificates - 1 Year	-	3.85%	1 Year
Min Balance $100,000 Details Balance: $100,000.00 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%
1 Year Regular IRA Share Certificate	-	3.70%	1 Year
Min Balance $1,000 Details Balance: $1,000.00-$99,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55% Sep 25, 20263.70%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%
Regular Share Certificates - 1 Year	-	3.70%	1 Year
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00-$99,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%
Jumbo IRA Share Certificate - 2 Years	-	3.65%	2 Years
Min Balance $100,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50% Sep 25, 20263.65%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%
Jumbo IRA Share Certificate - 3 Years	-	3.65%	3 Years
Min Balance $100,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50% Sep 25, 20263.65%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%
Jumbo IRA Share Certificate - 4 Years	-	3.65%	4 Years
Min Balance $100,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50% Sep 25, 20263.65%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%
Jumbo IRA Share Certificate - 5 Years	-	3.65%	5 Years
Min Balance $100,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50% Sep 25, 20263.65%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%
Jumbo Share Certificates - 2 Years	-	3.65%	2 Years
Min Balance $100,000 Details Balance: $100,000.00 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%
Jumbo Share Certificates - 3 Years	-	3.65%	3 Years
Min Balance $100,000 Details Balance: $100,000.00 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%
Jumbo Share Certificates - 4 Years	-	3.65%	4 Years
Min Balance $100,000 Details Balance: $100,000.00 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%
Jumbo Share Certificates - 5 Years	-	3.65%	5 Years
Min Balance $100,000 Details Balance: $100,000.00 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%
2 Year Regular IRA Share Certificate	-	3.55%	2 Years
Min Balance $1,000 Details Balance: $1,000.00-$99,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.55% ▲ 0.15 pts · high 3.55% / low 3.40% Sep 25, 20263.55%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%
Regular Share Certificates - 2 Years	-	3.55%	2 Years
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00-$99,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%
5 Year Regular IRA Share Certificate	-	3.50%	5 Years
Min Balance $1,000 Details Balance: $1,000.00-$99,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.50% ▲ 0.15 pts · high 3.50% / low 3.35% Sep 25, 20263.50%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%
Regular Share Certificates - 5 Years	-	3.50%	5 Years
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00-$99,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%
3 Year Regular IRA Share Certificate	-	3.45%	3 Years
Min Balance $1,000 Details Balance: $1,000.00-$99,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.45% ▲ 0.15 pts · high 3.45% / low 3.30% Sep 25, 20263.45%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%
4 Year Regular IRA Share Certificate	-	3.45%	4 Years
Min Balance $1,000 Details Balance: $1,000.00-$99,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.45% ▲ 0.15 pts · high 3.45% / low 3.30% Sep 25, 20263.45%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%
Regular Share Certificates - 3 Years	-	3.45%	3 Years
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00-$99,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%
Regular Share Certificates - 4 Years	-	3.45%	4 Years
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00-$99,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%

Columbine Federal Credit Union Savings Rates

Product	Rate	APY
Holiday Club	-	0.60%
Min Balance $5 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%
Share Savings	-	0.05%
Min Balance $50 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%

Columbine Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	-	1.35%
Min Balance $50,000 Details Balance: $50,000.00 & Greater Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.15% → 1.35% ▲ 0.20 pts · high 1.35% / low 1.15% Sep 25, 20261.35%▲ from 1.15% Sep 14, 20261.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%
Money Market	-	1.20%
Min Balance $20,000 Details Balance: $20,000.00-$49,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.00% → 1.20% ▲ 0.20 pts · high 1.20% / low 1.00% Sep 25, 20261.20%▲ from 1.00% Sep 14, 20261.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%
Money Market	-	1.00%
Min Balance $1,000 Details Balance: $1,000.00-$19,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 0.80% → 1.00% ▲ 0.20 pts · high 1.00% / low 0.80% Sep 25, 20261.00%▲ from 0.80% Sep 14, 20260.80%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%

Columbine Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Variable Home Equity LOC	-	-	7.00%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 25, 2026 · 7.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%

Columbine Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	4.99%	Up to 84 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%
Used Auto Loan	-	-	4.99%	Up to 84 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%

Columbine Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loan	-	6.74%	Up to 84 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%
RV Loan	-	9.99%	Up to 84 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%

Columbine Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	10.99%	Up to 72 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%

Columbine Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Share IRA	-	-	0.10%
Min Balance $100 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Columbine Federal Credit Union’s Texas Ratio fell from 15.25% in Q3 2023 to 8.82% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A- to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$78M	8.82%	5.0	A
March 31, 2026	$79M	4.95%	5.0	A+
December 31, 2025	$78M	5.46%	5.0	A+
September 30, 2025	$78M	5.71%	5.0	A+
June 30, 2025	$77M	7.27%	5.0	A
March 31, 2025	$77M	4.14%	5.0	A+
December 31, 2024	$77M	8.26%	5.0	A
September 30, 2024	$76M	7.29%	5.0	A
June 30, 2024	$80M	8.47%	5.0	A
March 31, 2024	$80M	9.66%	5.0	A
December 31, 2023	$80M	11.88%	5.0	A
September 30, 2023	$63M	15.25%	5.0	A-

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Columbine Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Columbine Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Columbine Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Columbine Federal Credit Union

Website https://www.columbinefcu.org

Address 4902 E Dry Creek Rd, Centennial, CO 80122

Phone 720-283-2346

Fax 303-795-7751

President Chris Wiant

CEO Arick Williams

Full-Time Employees 15

Part-Time Employees 1

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

8.82%

Return on Assets (ROA)

-0.1472%

Return on Equity (ROE)

-1.2345%

Non-Performing Loans Ratio (NPL)

1.85%

Total Assets

77,857,459

Total Amount of Shares and Deposits

68,090,042

Total Shares and Deposits < 1 Year

65,825,994

Total Shares and Deposits 1 3 Years

1,494,101

Total Shares and Deposits > 3 Years

769,947

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

2,681,260

Total Uninsured Shares and Deposits > $250K (F+J)

2,681,260

Total Insured Shares and Deposits > $250K (item 17 less item K)

65,408,782

Total Interest Expense (Sum of items 6 8)

518,539

Share Certificates

480

Number of Accounts for Share Drafts

2,293

IRA KEOGH Accounts

Number of Accounts for Regular Shares

6,633

All other shares

464

Money Market Shares

313

Net Income (unless the amount is already included in Undivided Earnings)

-114,592

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

2,964,997

Total Liabilities

68,611,514

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Columbine Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/columbine-federal-credit-union-rates-review-11548">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Columbine Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Columbine Federal Credit Union

Frequently Asked Questions About Columbine Federal Credit Union

How many branches does Columbine Federal Credit Union operate?

Columbine Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Columbine Federal Credit Union?

Yes, to access services at Columbine Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Columbine Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Columbine Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Columbine Federal Credit Union offer online and mobile banking?

Most modern institutions like Columbine Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.columbinefcu.org.

Current Columbine Federal Credit Union Rates

12-Month CD3.70%
24-Month CD3.55%
60-Month CD3.50%
Savings0.05%
MMA1.35%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Columbine Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Columbine Federal Credit Union Texas Ratio

Columbine Federal Credit Union Health Trend

Columbine Federal Credit Union CD Rates

Columbine Federal Credit Union Savings Rates

Columbine Federal Credit Union Money Market Rates

Columbine Federal Credit Union Home Equity & HELOC

Columbine Federal Credit Union Auto Loan Rates

Columbine Federal Credit Union RV, Boat and Powersport Loan Rates

Columbine Federal Credit Union Personal Loan Rates

Columbine Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Columbine Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Columbine Federal Credit Union

How many branches does Columbine Federal Credit Union operate?

Is a member application needed to join Columbine Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Columbine Federal Credit Union offer online and mobile banking?

Current Columbine Federal Credit Union Rates

Compare to Other Credit Unions