Capital One vs. Colorado Federal Savings Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Capital One360 Performance Savings Jan 7, 2026 | Colorado Federal Savings BankPremier Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.40% | 4.05% |
Est. Earnings | $5,000+$170 $10,000+$340 $25,000+$850 | $5,000+$0 $10,000+$0 $25,000+$0 |
Min Deposit | $0 | $50,000 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | 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 Capital One vs. Colorado Federal Savings Bank
As of Capital One offers an APY of 3.40% for its 360 Performance Savings 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 $65 more than Capital One on a $10,000 balance after one year. Capital One pays $340, 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 Capital One?
- ✓Physical branch access (Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C.)
- ✓Higher rated iOS app (4.9 vs 4.3)
- ✓Higher rated Android app (4.5 vs 0.0)
- ✓Fast transfers via Zelle® (up to $2,500 a day)
Why Colorado Federal Savings Bank?
- ✓Higher potential APY (4.00%-4.05% vs 3.40%)
- ✓Offers 2 different high-yield savings options
— Key Feature Differences —
Better Returns at $10,000
Capital OneCapital One's 360 Performance Savings earns more on smaller deposits (approx. $340 vs $0/yr).
Better Returns at $25,000
Capital OneCapital One's 360 Performance Savings pulls ahead with larger amounts (approx. $850 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
Capital OneCapital One offers an iOS app rated 4.9 (vs. 4.3) and Android app rated 4.5 (vs. 0.0)
Shared Benefits
Over a 1-year period, Colorado Federal Savings Bank's Premier Savings pays $65 more interest on a $10,000 balance than Capital One's 360 Performance Savings.
*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 the highest APY with its High Yield Savings account at 4.00%, making it the winner for those seeking better returns. This account requires a minimum deposit of $1 and is online-only. Alternatively, their Premier Savings account provides a slightly higher APY of 4.05%, but requires a minimum balance of $50,000. In contrast, Capital One's 360 Performance Savings account yields 3.40% APY with no minimum deposit or balance requirements, and is not restricted to online access. Both banks have no maintenance fees and do not require direct deposits.
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
Capital One vs. Colorado Federal Savings Bank Savings Calculator
You earn $325 more with Colorado Federal Savings Bank than Capital One 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.
Capital One
360 Performance Savings
Savings Breakdown
- Interest Earned+$1,700.00(3.3%)
- Total Contributions$0
- Initial Deposit$50,000
Projected Balance
$51,700.00
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 | Capital One | Colorado Federal Savings Bank |
|---|---|---|
| APY | 3.40% Verified: 1/7/2026 Stable (90d) | 4.05% Verified: 1/7/2026 ↘︎ 0.10%90d Change |
| Product Name | 360 Performance Savings | Premier Savings |
| Minimum Deposit | $0 | $50,000 |
| Min. Balance for APY | $0 | $50,000 |
| Monthly Fee | $0 | $0 |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.5 | iOS4.3 Android- |
| Zelle® Support | Available Limit: $2,500/dayAvailable for 360 Checking accounts. | Not Supported |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Capital One 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 | Capital One | Colorado Federal Savings Bank | |
|---|---|---|---|
| 360 Performance Savings | Premier Savings | High Yield Savings | |
Current APY | 3.40% | 4.05% | 4.00% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -3.2 | -2.6 | -2.6 |
Days Since Change | 98 | 89 | 89 |
11-Month High | 3.70% | 4.25% | 4.25% |
11-Month Low | 3.40% | 4.05% | 4.00% |
Adjustments / Mo | 0.28 | 0.19 | 0.37 |
Volatility Score | 0.030 | 0.022 | 0.022 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare Capital One 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.