Guaranteed Rates.
Guaranteed Peace of Mind.

CDs from Colorado State Bank and Trust

Promotional Rates on Select CD Terms

Annual Percentage Yield (APY)
Under $100,000
1.10% APY* 1.50% APY*
Term 18 Months 36 Months
Minimum Deposit $1,000 $1,000
APY Over $100,000 1.15% APY 1.55% APY
 
Schedule Appointment

Or call us at (866) 205-1710

Schedule Appointment

Or call us at (866) 205-1710
1.10% APY*
Under $100,000
1.50% APY*
Under $100,000
18 Month Term 36 Month Term
$1,000
Minimum Opening Deposit
$1,000
Minimum Opening Deposit
1.15% APY
Over $100,000
1.55% APY
Over $100,000

Schedule Appointment

Or call us at (866) 205-1710

Why choose a CD from Colorado State Bank and Trust?

  • Extra Perks

    Earn an extra 0.10% on all new CDs with a qualifying Colorado State Bank and Trust personal checking account.

  • Flexible Terms

    Our terms run from 7 days to 7 years with lots of options in between, so you can choose what works best for you.

  • No Monthly Fees

    There are no monthly fees for our CD accounts, so you can trust that your money will continue to grow.

Certificate of Deposit FAQs

Here's what others have asked about our CDs.

There is an early withdrawal penalty when you take money out of your CD before its maturity date, based upon the Maturity Period and/or balance of your CD.

i. Maturity Period is not more than one year
- If the Maturity Period for the Time Deposit is less than 365 days, you shall forfeit and pay a penalty in a sum equal to $25 plus 1% of the amount withdrawn.

ii. Maturity Period is equal to or greater than one year
- If the Maturity Period for the Time Deposit is 365 days or more, you shall forfeit and pay a penalty in a sum equal to $25 plus 3% of the amount withdrawn.

iii. The amount of your penalty may be deducted from principal.

For more information on early withdrawal penalties, please download our Agreements and Disclosures below.

Download Agreements & Disclosures
CD laddering is an investment strategy that takes advantage of the higher interest rates that CDs offer while still offering a bit of liquidity for your investment. To do it, you divide the amount of money you want to have in CDs, and invest smaller amounts into different CDs with varied maturity dates. You might put money into a one-year, two-year and three-year policy, and when the first CD expires, if you don't have an urgent need for it, you can put that money into another three-year CD. This way, eventually you'll have a rotating portfolio of the highest interest rates, while still having the option to take out your money every year.
Your great rate will be locked in from the day you put your money in, so you never have to wonder how much you're earning. Plus, our CDs are FDIC insured up to $250,000. This makes CDs a safe investment strategy.
CDs can be opened in person at your nearest banking center. Schedule an appointment to skip the line and save time. You can also open a CD over the phone by calling ExpressBank at (877) 205-1710.

Let's Talk

Schedule an appointment to open a CD today!