Colorado Federal Savings Bank has raised its CD rates so that it is now offering extremely competitive rates on 1-year CDs, 3-year CDs and 5-Year CDs. Those who follow the space will note that Colorado Federal Savings had been competitive previously. Their early withdrawal penalties are attractive (3 months' interest on a 1-year CD and 6 months' on terms longer than 1 year) and well displayed on their site.