Betterment vs. Colorado Federal Savings Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | BettermentCash Reserve Jan 7, 2026 | Colorado Federal Savings BankPremier Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.25% | 4.05% |
Est. Earnings | $5,000+$163 $10,000+$325 $25,000+$813 | $5,000+$0 $10,000+$0 $25,000+$0 |
Min Deposit | $10 | $50,000 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredLow MinimumsGreat 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 Betterment vs. Colorado Federal Savings Bank
As of Betterment offers an APY of 3.25% for its Cash Reserve account, with a minimum balance of $0, 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 $80 more than Betterment on a $10,000 balance after one year. Betterment pays $325, while Colorado Federal Savings Bank pays $405 - an APY advantage for Colorado Federal Savings Bank.
In addition, Colorado Federal Savings Bank also offers 4.00% APY for the High Yield Savings account, with a minimum balance of $1.
Why Betterment?
- ✓Higher rated iOS app (4.8 vs 4.3)
- ✓Higher rated Android app (4.7 vs 0.0)
Why Colorado Federal Savings Bank?
- ✓Higher potential APY (4.00%-4.05% vs 3.25%)
- ✓Offers 2 different high-yield savings options
— Key Feature Differences —
Better Returns at $10,000
BettermentBetterment's Cash Reserve earns more on smaller deposits (approx. $325 vs $0/yr).
Better Returns at $25,000
BettermentBetterment's Cash Reserve pulls ahead with larger amounts (approx. $813 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
BettermentBetterment offers an iOS app rated 4.8 (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 $80 more interest on a $10,000 balance than Betterment's Cash Reserve.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Colorado Federal Savings Bank offers a High Yield Savings account with a competitive APY of 4.00%, making it the winner in this comparison. This account requires a minimum deposit of just $1 and has no maintenance fees, providing an accessible option for savers. Alternatively, their Premier Savings account yields 4.05% APY but requires a higher minimum deposit of $50,000. In contrast, Betterment's Cash Reserve provides a lower APY of 3.25% with a minimum deposit of $10, also with no maintenance fees. Both banks operate online-only and do not require direct deposit for their savings products.
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
Betterment vs. Colorado Federal Savings Bank Savings Calculator
You earn $400 more with Colorado Federal Savings Bank than Betterment 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.
Betterment
Cash Reserve
Savings Breakdown
- Interest Earned+$1,625.00(3.1%)
- Total Contributions$0
- Initial Deposit$50,000
Projected Balance
$51,625.00
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 | Betterment | Colorado Federal Savings Bank |
|---|---|---|
| APY | 3.25% Verified: 1/7/2026 ↘︎ 0.50%90d Change | 4.05% Verified: 1/7/2026 ↘︎ 0.10%90d Change |
| Product Name | Cash Reserve | Premier Savings |
| Minimum Deposit | $10 | $50,000 |
| Min. Balance for APY | $0 | $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 | iOS4.8 Android4.7 | iOS4.3 Android- |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A- | A+ |
| Next Steps | Visit SiteVerify at Betterment 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 | Betterment | Colorado Federal Savings Bank | |
|---|---|---|---|
| Cash Reserve | Premier Savings | High Yield Savings | |
Current APY | 3.25% | 4.05% | 4.00% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -6.9 | -2.6 | -2.6 |
Days Since Change | 25 | 89 | 89 |
11-Month High | 4.00% | 4.25% | 4.25% |
11-Month Low | 3.25% | 4.05% | 4.00% |
Adjustments / Mo | 0.28 | 0.19 | 0.37 |
Volatility Score | 0.070 | 0.022 | 0.022 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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