Bread Savings vs. Colorado Federal Savings Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Bread SavingsHigh-Yield Savings Account Jan 7, 2026 | Colorado Federal Savings BankPremier Savings Jan 7, 2026 |
|---|---|---|
| APY | 4.05% | 4.05% |
Est. Earnings | $5,000+$203 $10,000+$405 $25,000+$1,013 | $5,000+$0 $10,000+$0 $25,000+$0 |
Min Deposit | $100 | $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 Bread Savings vs. Colorado Federal Savings Bank
As of both Bread Savings (High-Yield Savings Account) and Colorado Federal Savings Bank (Premier Savings) offer an APY of 4.05% .
Both banks yield $405 in interest on a $10,000 balance after one year. Neither has an APY advantage, so consider other features (fees, access, app ratings, etc.) when choosing.
In addition, Colorado Federal Savings Bank also offers 4.00% APY for the High Yield Savings account, with a minimum balance of $1.
Why Bread Savings?
- ✓Higher rated iOS app (4.7 vs 4.3)
- ✓Higher rated Android app (4.6 vs 0.0)
Why Colorado Federal Savings Bank?
- ✓Offers 2 different high-yield savings options
— Key Feature Differences —
Better Returns at $10,000
Bread SavingsBread Savings's High-Yield Savings Account earns more on smaller deposits (approx. $405 vs $0/yr).
Better Returns at $25,000
Bread SavingsBread Savings's High-Yield Savings Account pulls ahead with larger amounts (approx. $1013 vs $0/yr).
Best Mobile App Experience
Bread SavingsBread Savings offers an iOS app rated 4.7 (vs. 4.3) and Android app rated 4.6 (vs. 0.0)
Shared Benefits
Executive Summary as of
Bread Savings offers a High-Yield Savings Account with a competitive APY of 4.05%, which is slightly higher than Colorado Federal Savings Bank's High Yield Savings account at 4.00%. Both accounts are online-only and do not require direct deposit, making them accessible for users looking to earn interest on their savings without additional conditions. Bread Savings stands out with better returns at various deposit levels, particularly at $10,000 and $25,000, while Colorado Federal also provides a Premier Savings option yielding 4.05% but requires a minimum deposit of $50,000. Both banks have no maintenance fees and offer FDIC insurance.
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
Bread Savings vs. Colorado Federal Savings Bank Savings Calculator
Both accounts earn exactly the same amount.
Bread Savings
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$2,025.00(3.9%)
- Total Contributions$0
- Initial Deposit$50,000
Projected Balance
$52,025.00
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 | Bread Savings | Colorado Federal Savings Bank |
|---|---|---|
| APY | 4.05% Verified: 1/7/2026 ↘︎ 0.20%90d Change | 4.05% Verified: 1/7/2026 ↘︎ 0.10%90d Change |
| Product Name | High-Yield Savings Account | Premier Savings |
| Minimum Deposit | $100 | $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 | iOS4.7 Android4.6 | iOS4.3 Android- |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Bread Savings 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 | Bread Savings | Colorado Federal Savings Bank | |
|---|---|---|---|
| High-Yield Savings Account | Premier Savings | High Yield Savings | |
Current APY | 4.05% | 4.05% | 4.00% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -3.1 | -2.6 | -2.6 |
Days Since Change | 19 | 89 | 89 |
11-Month High | 4.40% | 4.25% | 4.25% |
11-Month Low | 4.05% | 4.05% | 4.00% |
Adjustments / Mo | 0.65 | 0.19 | 0.37 |
Volatility Score | 0.024 | 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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