Barclays vs. Colorado Federal Savings Bank
Comparing Barclays and Colorado Federal Savings Bank for high-yield savings: Barclays's Tiered Savings pays 3.85% APY while Colorado Federal Savings Bank's Premier Savings pays 4.05% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Barclays pays $370 more than Colorado Federal Savings Bank annually ($370 vs $0).
Choose Barclays if getting the best rate matters most, or you're an Android user (no Android app for Colorado Federal Savings Bank).
| Metric | BarclaysTiered Savings Feb 21, 2026 | Colorado Federal Savings BankPremier Savings Feb 21, 2026 |
|---|---|---|
| APY | 3.70% - 3.85% | 4.05% |
Est. Earnings | $5,000+$185 $10,000+$370 $25,000+$925 | $5,000+$0 $10,000+$0 $25,000+$0 |
Min Deposit | $0 | $50,000 |
Snapshot view. Rates subject to change. | ||
Terms | The 3.85% APY is only available for balances over $250,000. For lower balances, the APY is 3.70%. | - |
| Features | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often | FDIC InsuredHigh MinimumGreat iOS AppDaily CompoundingStable Rate |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.15% APY.
Comparison Analysis
Comparing Barclays vs. Colorado Federal Savings Bank
Executive Summary
Colorado Federal Savings Bank offers the highest APY of 4.00% on its High Yield Savings account, which is available with a minimum deposit of just $1 and no maintenance fees. In comparison, Barclays provides a Tiered Savings account that yields 3.85% APY, but this rate is only applicable for balances over $250,000; lower balances earn 3.70%. While both banks have online-only offerings and do not require direct deposit, Colorado Federal Savings Bank stands out for its simplicity and competitive rate.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Barclays?
- ✓Higher rated iOS app (4.9 vs 4.4)
- ✓Higher rated Android app (4.7 vs 0.0)
Why Colorado Federal Savings Bank?
- ✓Higher potential APY (4.00%-4.05% vs 3.50%-3.85%)
— Key Feature Differences —
Better Returns at $10,000
BarclaysBarclays's Tiered Savings earns more on smaller deposits (approx. $370 vs $0/yr).
Better Returns at $25,000
BarclaysBarclays's Tiered Savings pulls ahead with larger amounts (approx. $925 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. 4.4) and Android app rated 4.7 (vs. 0.0)
Shared Benefits
Over a 1-year period, Colorado Federal Savings Bank's Premier Savings pays $35 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.
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 $175 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+$1,850.00(3.6%)
- Total Contributions$0
- Initial Deposit$50,000
Projected Balance
$51,850.00
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 | 3.85% Range: 3.70% - 3.85% Verified: 2/21/2026 ↘︎ 0.15%90d Change | 4.05% Verified: 2/21/2026 Stable (90d) |
| Product Name | Tiered Savings | Premier Savings |
| Minimum Deposit | $0 | $50,000 |
| Min. Balance for APY | $250,000 | $50,000 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | None | None |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.4 Android- | |
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Important Notes | The 3.85% APY is only available for balances over $250,000. For lower balances, the APY is 3.70%. | - |
| 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 | 3.50% | 3.85% | 4.05% | 4.00% |
Trend | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | -2.5 | -3.5 | -2.4 | -2.4 |
Days Since Change | 1 | 1 | 134 | 134 |
12-Month High | 3.90% | 4.40% | 4.25% | 4.25% |
12-Month Low | 3.50% | 3.85% | 4.05% | 4.00% |
Adjustments / Mo | 0.49 | 0.58 | 0.16 | 0.33 |
Volatility Score | 0.026 | 0.033 | 0.022 | 0.023 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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