Barclays vs. Colorado Federal Savings Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | BarclaysTiered Savings Jan 7, 2026 | Colorado Federal Savings BankPremier Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.85% - 4.00% | 4.05% |
Est. Earnings | $5,000+$193 $10,000+$385 $25,000+$963 | $5,000+$0 $10,000+$0 $25,000+$0 |
Min Deposit | $0 | $50,000 |
Snapshot view. Rates subject to change. | ||
Terms | The 4.00% APY is only available for balances over $250,000. For lower balances, the APY is 3.85%. | - |
| Features | FDIC InsuredHigh MinimumGreat iOS AppGreat Android App | FDIC InsuredHigh MinimumGreat iOS App |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.21% APY.
Comparison Analysis
Comparing Barclays vs. Colorado Federal Savings Bank
As of Barclays offers an APY of 4.00% for its Tiered Savings account, with a minimum balance of $250,000, compared to Colorado Federal Savings Bank's 4.05% APY for its Premier Savings account, with a minimum balance of $50,000.
Colorado Federal Savings Bank pays $20 more than Barclays on a $10,000 balance after one year. Barclays pays $385 (with an effective APY of 3.85%), while Colorado Federal Savings Bank pays $405 - an APY advantage for Colorado Federal Savings Bank.
In addition, Barclays also offers 3.60% APY for the Online Savings account, with a minimum balance of Enough to earn $0.01 in interest, while Colorado Federal Savings Bank offers 4.00% APY for the High Yield Savings account, with a minimum balance of $1.
Why Barclays?
- ✓Higher rated iOS app (4.9 vs 4.3)
- ✓Higher rated Android app (4.7 vs 0.0)
Why Colorado Federal Savings Bank?
No distinct advantages found vs Barclays.
— Key Feature Differences —
Better Returns at $10,000
BarclaysBarclays's Tiered Savings earns more on smaller deposits (approx. $385 vs $0/yr).
Better Returns at $25,000
BarclaysBarclays's Tiered Savings pulls ahead with larger amounts (approx. $963 vs $0/yr).
Best for Simplicity
Colorado Federal Savings BankColorado Federal Savings Bank's Premier Savings offers 4.05% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
BarclaysBarclays offers an iOS app rated 4.9 (vs. 4.3) and Android app rated 4.7 (vs. 0.0)
Shared Benefits
Over a 1-year period, Colorado Federal Savings Bank's Premier Savings pays $20 more interest on a $10,000 balance than Barclays's Tiered Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Barclays offers a Tiered Savings account with a competitive APY of 4.00% for balances over $250,000, while lower balances earn 3.85%. In comparison, Colorado Federal Savings Bank provides a High Yield Savings account with a similar APY of 4.00%, but with a much lower minimum deposit requirement of just $1. Both banks do not require direct deposit and charge no maintenance fees. However, Colorado Federal's Premier Savings account yields 4.05% APY, making it slightly more attractive than Barclays' Tiered Savings for those with higher balances. Both banks operate online-only, ensuring ease of access.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Barclays vs. Colorado Federal Savings Bank Savings Calculator
You earn $100 more with Colorado Federal Savings Bank than Barclays on a $50,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
Barclays
Tiered Savings
Higher APY requires $250,000
Savings Breakdown
- Interest Earned+$1,925.00(3.7%)
- Total Contributions$0
- Initial Deposit$50,000
Projected Balance
$51,925.00
Colorado Federal Savings Bank
Premier Savings
Savings Breakdown
- Interest Earned+$2,025.00(3.9%)
- Total Contributions$0
- Initial Deposit$50,000
Projected Balance
$52,025.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Barclays | Colorado Federal Savings Bank |
|---|---|---|
| APY | 4.00% Range: 3.85% - 4.00% Verified: 1/7/2026 ↘︎ 0.10%90d Change | 4.05% Verified: 1/7/2026 ↘︎ 0.10%90d Change |
| Product Name | Tiered Savings | Premier Savings |
| Minimum Deposit | $0 | $50,000 |
| Min. Balance for APY | $250,000 | $50,000 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.7 | iOS4.3 Android- |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Important Notes | The 4.00% APY is only available for balances over $250,000. For lower balances, the APY is 3.85%. | - |
| Next Steps | Visit SiteVerify at Barclays Non-sponsored link to official site | Visit SiteVerify at Colorado Federal Savings Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Barclays | Colorado Federal Savings Bank | ||
|---|---|---|---|---|
| Online Savings | Tiered Savings | Premier Savings | High Yield Savings | |
Current APY | 3.60% | 4.00% | 4.05% | 4.00% |
Trend | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | -2.6 | -3.8 | -2.6 | -2.6 |
Days Since Change | 42 | 49 | 89 | 89 |
11-Month High | 3.90% | 4.40% | 4.25% | 4.25% |
11-Month Low | 3.60% | 4.00% | 4.05% | 4.00% |
Adjustments / Mo | 0.47 | 0.56 | 0.19 | 0.37 |
Volatility Score | 0.025 | 0.032 | 0.022 | 0.022 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare Barclays vs...
Comparing against Standard Savings
Compare Colorado Federal Savings Bank vs...
Comparing against Standard Savings
High Rates (With Checking Bundle)
Looking for something different? Check out these top-rated alternatives.