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Columbine Federal Credit Union Rates & Review September 2026

Columbine Federal Credit Union's Regular CDs - 6 month rates are at 3.80%, Jumbo IRA CDs - 1 Year rates are at 3.70%, 1 Year Jumbo CDs rates are at 3.70%, Regular IRA CDs - 1 Year rates are at 3.55%, Regular CDs - 1 Year rates are at 3.55%. Columbine Federal Credit Union's savings rates are at 0.05%. Columbine Federal Credit Union's money market rates are at 0.80%. Columbine Federal Credit Union's Personal Loan Rates are at 10.99%. 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 4.95%. Rates last updated and verified on 09/09/2026.

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.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
4.95%
Excellent Lower 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
Member NCUA

Columbine Federal Credit Union CD Rates

Product Rate APY Term View More
Regular Share Certificates - 6 month - 3.80% 6 Months
Min Balance $1,000
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Jumbo IRA Share Certificates - 1 Year - 3.70% 1 Year
Min Balance $100,000
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
1 Year Jumbo Share Certificates - 3.70% 1 Year
Min Balance $100,000
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Regular IRA Share Certificates - 1 Year - 3.55% 1 Year
Min Balance $1,000
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Regular Share Certificates - 1 Year - 3.55% 1 Year
Min Balance $1,000
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Jumbo IRA Share Certificates - 2 Years - 3.50% 2 Years
Min Balance $100,000
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Jumbo IRA Share Certificates - 3 Years - 3.50% 3 Years
Min Balance $100,000
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Jumbo IRA Share Certificates - 4 Years - 3.50% 4 Years
Min Balance $100,000
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Jumbo IRA Share Certificates - 5 Years - 3.50% 5 Years
Min Balance $100,000
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
2 Years Jumbo Share Certificates - 3.50% 2 Years
Min Balance $100,000
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Regular IRA Share Certificates - 2 Years - 3.40% 2 Years
Min Balance $1,000
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Regular Share Certificates - 2 Years - 3.40% 2 Years
Min Balance $1,000
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Regular IRA Share Certificates - 5 Years - 3.35% 5 Years
Min Balance $1,000
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Regular Share Certificates - 5 Years - 3.35% 5 Years
Min Balance $1,000
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Regular IRA Share Certificates - 3 Years - 3.30% 3 Years
Min Balance $1,000
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Regular IRA Share Certificates - 4 Years - 3.30% 4 Years
Min Balance $1,000
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Regular Share Certificates - 3 Years - 3.30% 3 Years
Min Balance $1,000
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Regular Share Certificates - 4 Years - 3.30% 4 Years
Min Balance $1,000
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%

Columbine Federal Credit Union Savings Rates

Product Rate APY View More
Holiday Club - 0.60%
Min Balance $5
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Share Savings - 0.05%
Min Balance $50
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%

Columbine Federal Credit Union Money Market Rates

Product Rate APY View More
Money Market - 1.15%
Min Balance $50,000
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Money Market - 1.00%
Min Balance $20,000
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Money Market - 0.80%
Min Balance $1,000
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%

Columbine Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Auto Loan - - 4.99% Up to 84 Mo.
No additional details.
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%
Used Auto Loan - - 4.99% Up to 84 Mo.
No additional details.
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%

Columbine Federal Credit Union Personal Loan Rates

Product APR Term View More
Personal Loan 10.99% Up to 72 Mo.
No additional details.
Last Updated 09/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.95%

Financial Health History

Columbine Federal Credit Union’s Texas Ratio fell from 16.59% in Q2 2023 to 4.95% in Q1 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 4.9 to 5.0 and its Health Grade from A- to A+. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 4.8% 2.0★ 9.5% 3.0★ 14.3% 4.0★ 19.1% 5.0★ 15% Verified Healthy line 16.59% A- Q2 2023 A- Q3 2023 A Q4 2023 A Q1 2024 A Q2 2024 A Q3 2024 A Q4 2024 A+ Q1 2025 A Q2 2025 A+ Q3 2025 A+ Q4 2025 4.95% A+ Q1 2026
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 threshold
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
March 31, 2026$79M4.95%5.0A+
December 31, 2025$78M5.46%5.0A+
September 30, 2025$78M5.71%5.0A+
June 30, 2025$77M7.27%5.0A
March 31, 2025$77M4.14%5.0A+
December 31, 2024$77M8.26%5.0A
September 30, 2024$76M7.29%5.0A
June 30, 2024$80M8.47%5.0A
March 31, 2024$80M9.66%5.0A
December 31, 2023$80M11.88%5.0A
September 30, 2023$63M15.25%5.0A-
June 30, 2023$64M16.59%4.9A-
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
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 16
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+ (98/100)
Texas Ratio
4.95%
Return on Assets (ROA)
-0.0408%
Return on Equity (ROE)
-0.3425%
Non-Performing Loans Ratio (NPL)
1.12%
Total Assets
78,512,051
Total Amount of Shares and Deposits
68,575,027
Total Shares and Deposits < 1 Year
63,995,397
Total Shares and Deposits 1 3 Years
3,816,499
Total Shares and Deposits > 3 Years
763,131
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,588,111
Total Uninsured Shares and Deposits > $250K (F+J)
2,588,111
Total Insured Shares and Deposits > $250K (item 17 less item K)
65,986,916
Total Interest Expense (Sum of items 6 8)
254,809
Share Certificates
474
Number of Accounts for Share Drafts
2,294
IRA KEOGH Accounts
84
Number of Accounts for Regular Shares
6,616
All other shares
468
Money Market Shares
308
Net Income (unless the amount is already included in Undivided Earnings)
-32,072
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)
5,147,667
Total Liabilities
69,112,183
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Columbine 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.

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 — no need to download or upload anything.

<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.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews
0
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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 CD3.55%
  • 24-Month CD3.40%
  • 60-Month CD3.35%
  • Savings0.05%
  • MMA0.80%
Retrieved from our database of financial products. Rates subject to change.