Capital One vs. Colorado Federal Savings Bank
Comparing Capital One and Colorado Federal Savings Bank for high-yield savings: Capital One's 360 Performance Savings pays 3.30% 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? Capital One pays $330 more than Colorado Federal Savings Bank annually ($330 vs $0).
Choose Capital One if getting the best rate matters most, you value in-person banking, you're an Android user (no Android app for Colorado Federal Savings Bank), or you want Zelle for quick transfers.
| Metric | Capital One360 Performance Savings Feb 21, 2026 | Colorado Federal Savings BankPremier Savings Feb 21, 2026 |
|---|---|---|
| APY | 3.30% | 4.05% |
Est. Earnings | $5,000+$165 $10,000+$330 $25,000+$825 | $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® SupportedRate 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 Capital One vs. Colorado Federal Savings Bank
Executive Summary
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 is online-only and requires a minimum deposit of $1. Additionally, they provide a Premier Savings account with a slightly higher APY of 4.05%, but it requires a minimum deposit of $50,000. In contrast, Capital One's 360 Performance Savings account yields 3.30% APY with no minimum deposit or maintenance fees, and it is accessible through both online and mobile platforms. While Capital One excels in user experience with its highly rated mobile app, Colorado Federal Savings Bank stands out with higher APY offerings.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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 4.4)
- ✓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 3.30%)
- ✓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. $330 vs $0/yr).
Better Returns at $25,000
Capital OneCapital One's 360 Performance Savings pulls ahead with larger amounts (approx. $825 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. 4.4) and Android app rated 4.5 (vs. 0.0)
Shared Benefits
Over a 1-year period, Colorado Federal Savings Bank's Premier Savings pays $75 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.
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 $375 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+$1,650.00(3.2%)
- Total Contributions$0
- Initial Deposit$50,000
Projected Balance
$51,650.00
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 | 3.30% Verified: 2/21/2026 ↘︎ 0.10%90d Change | 4.05% Verified: 2/21/2026 Stable (90d) |
| Product Name | 360 Performance Savings | Premier Savings |
| Minimum Deposit | $0 | $50,000 |
| Min. Balance for APY | $0 | $50,000 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Monthly | Daily |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Physical Branches | Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C. | None |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.4 Android- | |
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| 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 | 3.30% | 4.05% | 4.00% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -3.3 | -2.4 | -2.4 |
Days Since Change | 44 | 134 | 134 |
12-Month High | 3.70% | 4.25% | 4.25% |
12-Month Low | 3.30% | 4.05% | 4.00% |
Adjustments / Mo | 0.33 | 0.16 | 0.33 |
Volatility Score | 0.035 | 0.022 | 0.023 |
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.