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The District Federal Credit Union Rates & Review April 2026

The District Federal Credit Union's Jumbo Term CDs 60 Month CD rates are at 2.60%, Jumbo Term CDs 48 Month CD rates are at 2.45%, Traditional IRA and ROTH IRA 60 Month CD rates are at 2.45%, Jumbo Term CDs 36 Month CD rates are at 2.35%, Regular Term CDs 60 Month CD rates are at 2.35%. The District Federal Credit Union's savings rates are at 0.05%. The District Federal Credit Union's money market rates are at 0.60%. The District Federal Credit Union's Conventional Fixed Rate rates are at 5.88%, Conventional Fixed Rate rates are at 6.38%, Conventional Fixed Rate rates are at 6.50%. The District Federal Credit Union's Personal Loan Rates are at 10.74%. 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 8.85%. Rates were last updated on 04/18/2026.

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.

Overall Health & Safety Grade ?
A
Excellent Health Score: 96/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
8.85%
Excellent Higher than avg
The District Federal Credit Union
Main
751 Chambers Rd
Aurora, CO 80011 7151
https://www.districtcreditunion.com
Member NCUA

The District Federal Credit Union CD Rates

Product Rate APY Term View More
Jumbo Term Certificates 60 Month Certificate 2.57% 2.60% 60
Min Deposit $50,000
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%
Jumbo Term Certificates 48 Month Certificate 2.42% 2.45% 48
Min Deposit $50,000
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%
Traditional IRA and ROTH IRA 60 Month Certificate 2.42% 2.45% 60 Month
Min Deposit $500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%
Jumbo Term Certificates 36 Month Certificate 2.34% 2.35% 36
Min Deposit $50,000
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%
Regular Term Certificates 60 Month Certificate 2.33% 2.35% 60
Min Deposit $500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%
Traditional IRA and ROTH IRA 48 Month Certificate 2.28% 2.30% 48 Month
Min Deposit $500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%
Jumbo Term Certificates 24 Month Certificate 2.23% 2.25% 24
Min Deposit $50,000
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%
Regular Term Certificates 48 Month Certificate 2.18% 2.20% 48
Min Deposit $500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%
Traditional IRA and ROTH IRA 36 Month Certificate 2.18% 2.20% 36 Month
Min Deposit $500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%
Jumbo Term Certificates 12 Month Certificate 2.13% 2.15% 12
Min Deposit $50,000
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%
Jumbo Term Certificates 6 Month Certificate 2.08% 2.10% 6
Min Deposit $50,000
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%
Regular Term Certificates 36 Month Certificate 2.08% 2.10% 36
Min Deposit $500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%
Traditional IRA and ROTH IRA 24 Month Certificate 2.08% 2.10% 24 Month
Min Deposit $500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%
Regular Term Certificates 18 Month Certificate 2.03% 2.05% 18
Min Deposit $500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%
Regular Term Certificates 30 Month Certificate 2.03% 2.05% 30
Min Deposit $500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%
Regular Term Certificates 12 Month Certificate 1.98% 2.00% 12
Min Deposit $500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%
Regular Term Certificates 24 Month Add-on Certificate 1.98% 2.00% 24
Min Deposit $100
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%
Regular Term Certificates 24 Month Certificate 1.98% 2.00% 24
Min Deposit $500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%
Traditional IRA and ROTH IRA 12 Month Certificate 1.98% 2.00% 12 Month
Min Deposit $500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%
Regular Term Certificates 6 Month Certificate 1.93% 1.95% 6
Min Deposit $500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%
Regular Term Certificates 6-Month Add-on Certificate 1.93% 1.95% 6
Min Deposit $100
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%
Regular Term Certificates 3 Month Certificate 0.10% 0.10% 3
Min Deposit $500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%

The District Federal Credit Union Savings Rates

Product Rate APY View More
Smarty Savings - 0.50%
No additional details.
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%
Holiday Club Account - 0.05%
Details Eliminate post-holiday financial stress by saving throughout the year. Our Holiday Club Account helps you plan for seasonal expenses by gaining interest while setting aside funds in advance. This smart savings strategy ensures you have cash ready when the holiday season arrives, so you can focus on giving without worrying about high-interest credit card debt. Holiday shares may be withdrawn starting October 1st through March 31st of the following year.
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%
Holiday Club Shares 0.05% 0.05%
Min Balance $25
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%
Share Savings Account - 0.05%
Min Deposit $25
Details Opening a Share Savings Account at District Credit Union means more than just saving-it means becoming part of a member-owned financial institution. With a low $25 minimum deposit and a one-time $10 membership fee, this account gives you access to higher savings rates, lower fees, and personalized service tailored to your financial goals.
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%

The District Federal Credit Union Money Market Rates

Product Rate APY View More
Money Market Shares IV 0.85% 0.85%
Min Balance $50,000
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%
Money Market Shares III 0.70% 0.70%
Min Balance $25,000
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%
Money Market Shares I 0.60% 0.60%
Min Balance $1,000
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%
Money Market Shares II 0.60% 0.60%
Min Balance $10,000
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%

The District Federal Credit Union Checking Rates

Product Rate APY View More
Teen Checking 0.50% 0.50%
Min Balance $0
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%
Prosperity Checking 0.10% 0.10%
Min Balance $10,000
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%
Success Checking 0.05% 0.05%
Min Balance $500
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%

The District Federal Credit Union Mortgage Rates

Product Rate Points APR Term View More
Conventional Fixed Rate 5.88% - 5.93% 15 years
No additional details.
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%
Conventional Fixed Rate 6.38% - 6.42% 20 years
No additional details.
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%
Conventional Fixed Rate 6.50% - 6.54% 30 years
No additional details.
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%

The District Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit - - 6.75%
Details Ask about our Bonus offer
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%
Real Estate and Home Equity Closed End Loans Up To 20 Years - - 6.75%
Details Paper Grade A+; Credit Score 760 & above; LTV Up to 95%
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%
Real Estate and Home Equity Closed End Loans Up To 20 Years - - 7.25%
Details Paper Grade A; Credit Score 740-759; LTV Up to 95%
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%
Real Estate and Home Equity Closed End Loans Up To 20 Years - - 7.50%
Details Paper Grade B+; Credit Score 720-739; LTV Up to 95%
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%
Real Estate and Home Equity Closed End Loans Up To 20 Years - - 8.00%
Details Paper Grade B; Credit Score 700-719; LTV Up to 95%
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%
Real Estate and Home Equity Closed End Loans Up To 20 Years - - 8.25%
Details Paper Grade C+; Credit Score 679-699; LTV Up to 95%
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%
Real Estate and Home Equity Closed End Loans Up To 20 Years - - 8.50%
Details Paper Grade C; Credit Score 660-678; LTV Up to 85%
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%
Real Estate and Home Equity Closed End Loans Up To 20 Years - - 8.75%
Details Paper Grade D; Credit Score 659 & below; LTV Up to 75%
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%

The District Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loans - - 5.74%
Details Flexible Terms Available
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%

The District Federal Credit Union Credit Card Rates

Product Rate APR View More
Mastercard Platinum - 8.90%
No additional details.
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%
Mastercard Classic - 14.90%
No additional details.
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%

The District Federal Credit Union Personal Loan Rates

Product Rate APR View More
Personal Advance - 10.74%
Details As Low As; A+ Rate
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%
Personal Advance - 11.24%
Details As Low As; A Rate
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%
Personal Advance - 12.74%
Details As Low As; B Rate
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%
Personal Advance - 14.74%
Details As Low As; C Rate
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%
Personal Advance - 17.99%
Details As Low As; D Rate
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.85%

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
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 23
Part-Time Employees 3
Branch Locations 4
ATM Locations 3
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
8.85%
Return on Assets (ROA)
-0.0614%
Return on Equity (ROE)
-0.8117%
Non-Performing Loans Ratio (NPL)
1.05%
Total Assets
152,607,242
Total Amount of Shares and Deposits
142,705,983
Total Shares and Deposits < 1 Year
108,559,042
Total Shares and Deposits 1 3 Years
29,146,545
Total Shares and Deposits > 3 Years
5,000,398
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
5,304,152
Total Uninsured Shares and Deposits > $250K (F+J)
5,304,327
Total Insured Shares and Deposits > $250K (item 17 less item K)
137,401,656
Total Interest Expense (Sum of items 6 8)
2,099,391
Share Certificates
755
Number of Accounts for Share Drafts
3,522
IRA KEOGH Accounts
325
Number of Accounts for Regular Shares
7,180
Non Member Deposits
12
Money Market Shares
509
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
5,399,622
Total Liabilities
143,068,217
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About The District Federal Credit Union

Is The District Federal Credit Union a safe place to deposit money?

Yes, The District Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 8.8513135244472%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

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.

Current The District Federal Credit Union Rates

  • 12-Month CD2.00%
  • 18-Month CD2.05%
  • 24-Month CD2.00%
  • 60-Month CD2.35%
  • Savings0.05%
  • MMA0.60%
Retrieved from our database of financial products. Rates subject to change.