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The District Federal Credit Union

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The District Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at The District Federal Credit Union?

Current rates for The District Federal Credit Union include: 12-Month CD: 2.00%, 18-Month CD: 2.05%, 24-Month CD: 2.00%, 60-Month CD: 2.35%, Savings: 0.50%, MMA: 0.85%

Q: What CD terms does The District Federal Credit Union offer?

The District Federal Credit Union CD rates are 4.10% APY for a 6 month CD, 2.00% APY for a 12 month CD, 2.05% APY for an 18 month CD, 2.00% APY for a 2 year CD, 2.10% APY for a 3 year CD, 2.20% APY for a 4 year CD and 2.35% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with The District Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

The District Federal Credit Union's 6 Month CD rates are at 4.10%, 60 Month CD rates are at 2.35%, 48 Month CD rates are at 2.20%, 36 Month CD rates are at 2.10%, 18 Month CD rates are at 2.05%. The District Federal Credit Union's savings rates are at 0.50%. The District Federal Credit Union's money market rates are at 0.85%. The District Federal Credit Union's checking rates are as high as 0.50%. The District Federal Credit Union's Conventional Fixed Rate rates are at 5.88%. The District Federal Credit Union's Personal Loan Rates are as low as 10.74%. The District Federal Credit Union's Credit Card Rates are at 8.90%. The District Federal Credit Union's CD rates are 26% lower than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of The District Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.52%. Rates last updated and verified on 10/29/2026.

The District 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 The District Federal Credit Union? Share your experience about The District Federal Credit Union by leaving a review below, or read customer reviews before you decide to use The District Federal Credit Union.

Verified Healthy 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

7.52%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

The District Federal Credit Union
Main

751 Chambers Rd
Aurora, CO 80011-7151

https://www.districtcreditunion.com

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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.

The District Federal Credit Union CD Rates

Product	Rate	APY	Term
6 Month Certificate	4.024%	4.10%	6 Months
Min Deposit $500 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 1.95% → 4.10% ▲ 2.15 pts · high 4.10% / low 1.95% Oct 29, 20264.10%▲ from 1.95% Sep 14, 20261.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Jumbo Term Certificates - 60 Month Certificate	2.57%	2.60%	60 months
Min Deposit $50,000 Min Balance $50,000 Details Jumbo Term Certificate; Minimum Amount $50000.00; Early withdrawal penalty: terms less than 6 months - 90 days dividends; 12 to less than 24 months - 180 days dividends; 24 to less than 48 months - 360 days dividends; 48 months or greater - 720 days dividends Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 2.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Jumbo Term Certificates - 48 Month Certificate	2.423%	2.45%	48 months
Min Deposit $50,000 Min Balance $50,000 Details Jumbo Term Certificate; Minimum Amount $50000.00; Early withdrawal penalty: terms less than 6 months - 90 days dividends; 12 to less than 24 months - 180 days dividends; 24 to less than 48 months - 360 days dividends; 48 months or greater - 720 days dividends Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 2.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Traditional IRA and ROTH IRA 60 Month Certificate	2.423%	2.45%	60 months
Min Deposit $500 Details Dividend Rate 2.423%; early withdrawal penalty: 540 days dividends for 48 months or greater Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 2.45% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
60 Month Certificate	2.325%	2.35%	60 Months
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.35% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Jumbo Term Certificates - 36 Month Certificate	2.335%	2.35%	36 months
Min Deposit $50,000 Min Balance $50,000 Details Jumbo Term Certificate; Minimum Amount $50000.00; Early withdrawal penalty: terms less than 6 months - 90 days dividends; 12 to less than 24 months - 180 days dividends; 24 to less than 48 months - 360 days dividends; 48 months or greater - 720 days dividends Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 2.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Traditional IRA and ROTH IRA 48 Month Certificate	2.276%	2.30%	48 months
Min Deposit $500 Details Dividend Rate 2.276%; early withdrawal penalty: 540 days dividends for 48 months or greater Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 2.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Jumbo Term Certificates - 24 Month Certificate	2.227%	2.25%	24 months
Min Deposit $50,000 Min Balance $50,000 Details Jumbo Term Certificate; Minimum Amount $50000.00; Early withdrawal penalty: terms less than 6 months - 90 days dividends; 12 to less than 24 months - 180 days dividends; 24 to less than 48 months - 360 days dividends; 48 months or greater - 720 days dividends Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 2.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
48 Month Certificate	2.178%	2.20%	48 Months
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.20% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Traditional IRA and ROTH IRA 36 Month Certificate	2.178%	2.20%	36 months
Min Deposit $500 Details Dividend Rate 2.178%; early withdrawal penalty: 360 days dividends for 24 to less than 48 months Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 2.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Jumbo Term Certificates - 12 Month Certificate	2.129%	2.15%	12 months
Min Deposit $50,000 Min Balance $50,000 Details Jumbo Term Certificate; Minimum Amount $50000.00; Early withdrawal penalty: terms less than 6 months - 90 days dividends; 12 to less than 24 months - 180 days dividends; 24 to less than 48 months - 360 days dividends; 48 months or greater - 720 days dividends Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 2.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
36 Month Certificate	2.08%	2.10%	36 Months
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.10% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Jumbo Term Certificates - 6 Month Certificate	2.08%	2.10%	6 months
Min Deposit $50,000 Min Balance $50,000 Details Jumbo Term Certificate; Minimum Amount $50000.00; Early withdrawal penalty: terms less than 6 months - 90 days dividends; 12 to less than 24 months - 180 days dividends; 24 to less than 48 months - 360 days dividends; 48 months or greater - 720 days dividends Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 2.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Traditional IRA and ROTH IRA 24 Month Certificate	2.08%	2.10%	24 months
Min Deposit $500 Details Dividend Rate 2.080%; early withdrawal penalty: 360 days dividends for 24 to less than 48 months Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 2.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
18 Month Certificate	2.031%	2.05%	18 Months
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.05% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
30 Month Certificate	2.031%	2.05%	30 Months
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.05% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
12 Month Certificate	1.982%	2.00%	12 Months
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
24 Month Add-on Certificate	1.982%	2.00%	24 Months
Min Deposit $100 Details Add-on certificate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
24 Month Certificate	1.982%	2.00%	24 Months
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Traditional IRA and ROTH IRA 12 Month Certificate	1.982%	2.00%	12 months
Min Deposit $500 Details Dividend Rate 1.982%; early withdrawal penalty for terms under 24 months: 180 days dividends (under 12 months: 90 days) Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 2.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
6-Month Add-on Certificate	1.933%	1.95%	6 Months
Min Deposit $100 Details Add-on certificate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.95% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
3 Month Certificate	0.10%	0.10%	3 Months
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%

The District Federal Credit Union Savings Rates

Product	Rate	APY
Money Market Shares IV	0.85%	0.85%
Min Balance $50,000 Details Balance: $50,000+ Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Money Market Shares III	0.70%	0.70%
Min Balance $25,000 Details Balance: $25,000-40,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.70% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Money Market Shares I	0.60%	0.60%
Min Balance $1,000 Details Balance: $1,000.00-9,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.60% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
SMARTY Savings	0.50%	0.50%
Min Deposit $5 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Holiday Club Account	-	0.05%
Details Holiday shares may be withdrawn October 1 through March 31 of the following year Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 13 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Holiday Club Shares	0.05%	0.05%
Min Deposit $25 Details Holiday Shares may be withdrawn starting October 1st until January 31st of the following year. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
IRA Shares	0.05%	0.05%
Min Deposit $25 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Regular Shares	0.05%	0.05%
Min Deposit $25 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Share Savings Account	-	0.05%
Min Deposit $25 Details One-time $10 membership fee; primary savings account Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 13 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%

The District Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Shares IV	0.85%	0.85%
Min Balance $50,000 Details Balance: $50,000+ Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Money Market Shares III	0.70%	0.70%
Min Balance $25,000 Details Balance: $25,000-40,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.70% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Money Market Shares I	0.60%	0.60%
Min Balance $1,000 Details Balance: $1,000.00-9,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.60% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%

The District Federal Credit Union Checking Rates

Product	Rate	APY
Teen Checking	0.50%	0.50%
Min Balance $0 Details Balance: $0.00 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Prosperity Checking	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000+ Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Success Checking	0.05%	0.05%
Min Balance $500 Details Balance: $500+ Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%

The District Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Conventional Fixed Rate	5.875%	-	5.933%	15 years
Details Payment example:; owner-occupied, standard closing costs Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.93% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Conventional Fixed Rate	6.375%	-	6.422%	20 years
Details Payment example:; owner-occupied, standard closing costs Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.42% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Conventional Fixed Rate	6.50%	-	6.536%	30 years
Details Payment example:; owner-occupied, standard closing costs Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.54% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%

The District Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	-	-	7.00%
Details Prime Rate; Ask about our Bonus offer Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 23, 20267.00%▲ from 6.75% Sep 18, 20266.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%

The District Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
New and Used Automobile Paper	-	-	5.74%
Details Paper: A+ 53; Credit Score: 800 & Higher; APR*=Annual Percentage Rate Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
New and Used Automobile Paper	-	-	5.84%
Details Paper: A+ 51; Credit Score: 760 - 779; APR*=Annual Percentage Rate Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 5.84% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
New and Used Automobile Paper	-	-	5.94%
Details Paper: A+; Credit Score: 740 - 759; APR*=Annual Percentage Rate Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 5.94% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
New and Used Automobile Paper	-	-	6.80%
Details Paper: A; Credit Score: 720 - 739; APR*=Annual Percentage Rate Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 6.80% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
New and Used Automobile Paper	-	-	7.59%
Details Paper: B+; Credit Score: 700 - 779; APR*=Annual Percentage Rate Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 7.59% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
New and Used Automobile Paper	-	-	7.85%
Details Paper: B; Credit Score: 680 - 699; APR*=Annual Percentage Rate Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 7.85% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Classic and Exotic Automobile - A+ Paper	7.99%	-	7.99%
Details Paper A+; Maximum LTV: 100%; Paper B or higher will finance 100% of Retail Value Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Classic and Exotic Automobile - B Paper	7.99%	-	7.99%
Details Paper B; Maximum LTV: 100%; Paper B or higher will finance 100% of Retail Value Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Classic and Exotic Automobile - C Paper	7.99%	-	7.99%
Details Paper C; Maximum LTV: 85%; Paper C maximum of 85% of Retail Value Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
New and Used Automobile Paper	-	-	9.39%
Details Paper: C+; Credit Score: 660 - 679; APR*=Annual Percentage Rate Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 9.39% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
New and Used Automobile Paper	-	-	12.14%
Details Paper: C; Credit Score: 640 - 659; APR*=Annual Percentage Rate Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 12.14% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
New and Used Automobile Paper	-	-	14.64%
Details Paper: D+; Credit Score: 600 - 639; APR*=Annual Percentage Rate Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 14.64% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
New and Used Automobile Paper	-	-	18.00%
Details Paper: E; Credit Score: < 600; APR*=Annual Percentage Rate Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 18.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%

The District Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Motorcycle Loan	8.24%	8.24%	Up to 60 Months
Details Paper: A+; Finance 90% NADA Loan Value. 10% trade or cash down payment required. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
New/Used Recreational Vehicles	8.49%	8.49%	Up to 120 Months
Details Credit Grade: A+; Finance 90% of NADA Loan Value; 10% trade or cash down payment required; Recreational Vehicles ten (10) years and older, the maximum term is 72 months Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 15 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
New Motorcycle Loan	8.74%	8.74%	Up to 60 Months
Details Paper: A; Finance 90% NADA Loan Value. 10% trade or cash down payment required. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.74% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
New/Used Recreational Vehicles	8.75%	8.75%	Up to 120 Months
Details Credit Grade: A; Finance 90% of NADA Loan Value; 10% trade or cash down payment required; Recreational Vehicles ten (10) years and older, the maximum term is 72 months Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.75% APR · checked 15 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Used Motorcycle Loan	8.99%	8.99%	Up to 48 Months
Details Paper: A+; Maximum LTV: 90% Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
New/Used Recreational Vehicles	9.69%	9.69%	Up to 120 Months
Details Credit Grade: B; Finance 90% of NADA Loan Value; 10% trade or cash down payment required; Recreational Vehicles ten (10) years and older, the maximum term is 72 months Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.69% APR · checked 15 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Used Motorcycle Loan	9.99%	9.99%	Up to 48 Months
Details Paper: A; Maximum LTV: 85% Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 9.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
New Motorcycle Loan	10.24%	10.24%	Up to 60 Months
Details Paper: B; Finance 90% NADA Loan Value. 10% trade or cash down payment required. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.24% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Used Motorcycle Loan	10.99%	10.99%	Up to 48 Months
Details Paper: B; Maximum LTV: 80% Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 10.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
New/Used Recreational Vehicles	12.49%	12.49%	Up to 120 Months
Details Credit Grade: C; Finance 90% of NADA Loan Value; 10% trade or cash down payment required; Recreational Vehicles ten (10) years and older, the maximum term is 72 months Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 12.49% APR · checked 15 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
New Motorcycle Loan	13.74%	13.74%	Up to 60 Months
Details Paper: C; Finance 90% NADA Loan Value. 10% trade or cash down payment required. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 13.74% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Used Motorcycle Loan	14.74%	14.74%	Up to 48 Months
Details Paper: C; Maximum LTV: 75% Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 14.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%

The District Federal Credit Union Credit Card Rates

Product	Rate	APR
Mastercard Platinum	-	8.90%
Details APR* Rate column; Miscellaneous Loans Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.90% APR · checked 15 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Mastercard Classic	-	14.90%
Details APR* Rate column; Miscellaneous Loans Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 14.90% APR · checked 15 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%

The District Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Advance Paper Loan	10.74%
Details As Low As; Paper: A+ Rate; Borrow up to $20,000; Membership required Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 10.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Personal Advance Paper Loan	11.24%
Details As Low As; Paper: A Rate; Borrow up to $20,000; Membership required Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 11.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Personal Advance Paper Loan	12.74%
Details As Low As; Paper: B Rate; Borrow up to $20,000; Membership required Last Updated 10/29/2026 Rate History 1 change since Oct 15, 2026 · 11.24% → 12.74% ▲ 1.50 pts · high 12.74% / low 11.24% Oct 29, 202612.74%▲ from 11.24% Oct 15, 202611.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Personal Advance Paper Loan	14.74%
Details As Low As; Paper: C Rate; Borrow up to $20,000; Membership required Last Updated 10/29/2026 Rate History 1 change since Oct 15, 2026 · 11.24% → 14.74% ▲ 3.50 pts · high 14.74% / low 11.24% Oct 29, 202614.74%▲ from 11.24% Oct 15, 202611.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Personal Advance Paper Loan	17.99%
Details As Low As; Paper: D Rate; Borrow up to $20,000; Membership required Last Updated 10/29/2026 Rate History 1 change since Oct 15, 2026 · 11.24% → 17.99% ▲ 6.75 pts · high 17.99% / low 11.24% Oct 29, 202617.99%▲ from 11.24% Oct 15, 202611.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%

The District Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Fixed Rate Second Mortgage	6.75%	-	6.98%	20 years
Details Published APR range: 6.98% - 9.05%; Published rate range: 6.75% - 8.75%. Payment example:; owner-occupied, standard closing costs Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.98% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Success Checking	-	-	0.05%
Min Balance $500 Details Monthly dividends on balances higher than your $500.00 minimum balance; monthly fee of $10 for balances below $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%

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Financial Health History

The District Federal Credit Union’s Texas Ratio fell from 8.18% in Q3 2023 to 7.52% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. 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	$148M	7.52%	5.0	A
March 31, 2026	$151M	7.87%	5.0	A
December 31, 2025	$153M	6.90%	5.0	A
September 30, 2025	$153M	8.63%	5.0	A
June 30, 2025	$158M	9.49%	5.0	A
March 31, 2025	$152M	5.61%	5.0	A+
December 31, 2024	$143M	8.65%	5.0	A
September 30, 2024	$147M	13.58%	5.0	A
June 30, 2024	$149M	12.71%	5.0	A
March 31, 2024	$152M	9.38%	5.0	A
December 31, 2023	$151M	11.60%	5.0	A
September 30, 2023	$148M	8.18%	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 The District 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 The District 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 The District Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name The District Federal Credit Union

Website https://www.districtcreditunion.com

Address 751 Chambers Rd, Aurora, CO 80011-7151

Phone 303-360-0987

Fax 303-360-0511

President Jennifer Komondy

CEO Steve Bouras

Full-Time Employees 24

Part-Time Employees 1

Branch Locations 4

ATM Locations 2

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

7.52%

Return on Assets (ROA)

-0.0266%

Return on Equity (ROE)

-0.3500%

Non-Performing Loans Ratio (NPL)

0.95%

Total Assets

148,327,901

Total Amount of Shares and Deposits

138,427,570

Total Shares and Deposits < 1 Year

111,712,247

Total Shares and Deposits 1 3 Years

25,894,944

Total Shares and Deposits > 3 Years

820,379

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

5,662,329

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

5,662,504

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

132,765,066

Total Interest Expense (Sum of items 6 8)

1,217,152

Share Certificates

567

Number of Accounts for Share Drafts

3,460

IRA KEOGH Accounts

307

Number of Accounts for Regular Shares

6,981

Non Member Deposits

Money Market Shares

510

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)

7,279,486

Total Liabilities

138,894,232

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

The District Federal Credit Union earned the Verified Healthy badge

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

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       width="160" height="160">
</a>

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

Customer Reviews

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Frequently Asked Questions About The District Federal Credit Union

Does The District Federal Credit Union offer CDs?

Yes. The District Federal Credit Union current CD rates include its 6 Month CD at 4.10% APY, its 60 Month CD at 2.35% APY and its 48 Month CD at 2.20% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from The District Federal Credit Union NCUA insured?

Yes. The District Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at The District Federal Credit Union?

The highest The District Federal Credit Union CD rate is its 6 Month CD at 4.10% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does The District Federal Credit Union offer?

The District Federal Credit Union CD rates are 4.10% APY for a 6 month CD, 2.00% APY for a 12 month CD, 2.05% APY for an 18 month CD, 2.00% APY for a 2 year CD, 2.10% APY for a 3 year CD, 2.20% APY for a 4 year CD and 2.35% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with The District Federal Credit Union for its full lineup.

What is the highest savings rate at The District Federal Credit Union?

The highest The District Federal Credit Union savings rate is its SMARTY Savings at 0.50% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at The District Federal Credit Union?

The highest The District Federal Credit Union money market rate is its Money Market Shares IV at 0.85% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at The District Federal Credit Union?

The highest The District Federal Credit Union checking rate is its Teen Checking at 0.50% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest mortgage rate at The District Federal Credit Union?

The lowest The District Federal Credit Union mortgage rate is its Conventional Fixed Rate at 5.875%, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at The District Federal Credit Union?

The lowest The District Federal Credit Union auto loan rate is its New/Used Recreational Vehicles at 8.49%, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at The District Federal Credit Union?

The lowest The District Federal Credit Union personal loan rate is its Personal Advance Paper Loan at 10.74% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at The District Federal Credit Union?

The lowest The District Federal Credit Union credit card APR is its Mastercard Platinum Credit Card at 8.90% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does The District Federal Credit Union operate?

The District 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 The District Federal Credit Union?

Yes, to access services at The District 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, The District 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, The District Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does The District Federal Credit Union offer online and mobile banking?

Most modern institutions like The District 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.districtcreditunion.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do The District Federal Credit Union rates compare?

The District Federal Credit Union's CD rates are 26% lower than the MonitorBankRates national average, and it has an A health rating. The District Federal Credit Union's top rates are its 6 Month CD at 4.10% APY, its SMARTY Savings at 0.50% APY, its Money Market Shares IV at 0.85% APY, its Teen Checking at 0.50% APY, its Conventional Fixed Rate at 5.875%, its Personal Advance Paper Loan at 10.74% APR and its Mastercard Platinum Credit Card at 8.90% APR, verified by MonitorBankRates on October 29, 2026.

Current The District Federal Credit Union Rates

12-Month CD2.00%
18-Month CD2.05%
24-Month CD2.00%
60-Month CD2.35%
Savings0.50%
MMA0.85%

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

Compare to Other Credit Unions

The District Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

The District Federal Credit Union Texas Ratio

The District Federal Credit Union Health Trend

The District Federal Credit Union CD Rates

The District Federal Credit Union Savings Rates

The District Federal Credit Union Money Market Rates

The District Federal Credit Union Checking Rates

The District Federal Credit Union Mortgage Rates

The District Federal Credit Union Home Equity & HELOC

The District Federal Credit Union Auto Loan Rates

The District Federal Credit Union RV, Boat and Powersport Loan Rates

The District Federal Credit Union Credit Card Rates

The District Federal Credit Union Personal Loan Rates

The District Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

The District Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About The District Federal Credit Union

Does The District Federal Credit Union offer CDs?

Are CDs from The District Federal Credit Union NCUA insured?

What is the highest CD rate at The District Federal Credit Union?

What CD terms does The District Federal Credit Union offer?

What is the highest savings rate at The District Federal Credit Union?

What is the highest money market rate at The District Federal Credit Union?

What is the highest checking rate at The District Federal Credit Union?

What is the lowest mortgage rate at The District Federal Credit Union?

What is the lowest auto loan rate at The District Federal Credit Union?

What is the lowest personal loan rate at The District Federal Credit Union?

What is the lowest credit card APR at The District Federal Credit Union?

How many branches does The District Federal Credit Union operate?

Is a member application needed to join The District Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does The District Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do The District Federal Credit Union rates compare?

Current The District Federal Credit Union Rates

Compare to Other Credit Unions