Considering Colorado Federal Savings Bank for 12-month CD at 2.86% APY ($5,000 minimum) with an early withdrawal penalty of 3 months of interest. The Financial Health is rated A, however deposit growth is a D "In the past year, Colorado Federal Savings Bank has decreased its total non-brokered deposits by -$104.01 million, resulting in -9.5% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet."
I do not know how to judge if the deposit growth of D should be red flag to not purchase a CD at this bank?
Texas Ratio - A+ - Texas Ratio Trend - A and Capitalization A+