Chase Bank vs. Colorado Federal Savings Bank
Colorado Federal Savings Bank edges out Chase Bank slightly at 4.05% vs 0.01% APY. On a $10,000 balance, the difference is just $1 per year—so other factors may matter more.
The Bottom Line
The Chase Bank and Colorado Federal Savings Bank savings accounts are very similar. Choose Chase Bank if 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 | Chase BankChase Savings℠ Feb 21, 2026 | Colorado Federal Savings BankPremier Savings Feb 21, 2026 |
|---|---|---|
| APY | 0.01% | 4.05% |
Est. Earnings | $5,000+$1 $10,000+$1 $25,000+$3 | $5,000+$0 $10,000+$0 $25,000+$0 |
Min Deposit | $0 | $50,000 |
Snapshot view. Rates subject to change. | ||
Terms | APY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc. | - |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedStable Rate | 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 Chase Bank vs. Colorado Federal Savings Bank
Executive Summary
Colorado Federal Savings Bank offers a competitive High Yield Savings account with an impressive APY of 4.00%, significantly higher than Chase Bank's Chase Savings℠, which provides a mere 0.01% APY. The High Yield Savings account requires a minimum deposit of $1 and has no maintenance fees, while the Chase account has a $5 maintenance fee that can be waived under certain conditions. Additionally, Colorado Federal Savings Bank's Premier Savings account yields 4.05% APY but requires a higher minimum deposit of $50,000. Both banks do not require direct deposit, but Colorado Federal Savings Bank operates online only.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Chase Bank?
- ✓Physical branch access (Chase has more than 5,000 branches in nearly all of the United States, but not in Alaska and Hawaii.)
- ✓Higher rated iOS app (4.8 vs 4.4)
- ✓Higher rated Android app (4.7 vs 0.0)
- ✓Fast transfers via Zelle® (up to $2,000 a day)
Why Colorado Federal Savings Bank?
- ✓Higher potential APY (4.00%-4.05% vs 0.01%)
- ✓No checking account or direct deposit required
- ✓Offers 2 different high-yield savings options
— Key Feature Differences —
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
Chase BankChase Bank offers an iOS app rated 4.8 (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 $404 more interest on a $10,000 balance than Chase Bank's Chase 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
Chase Bank vs. Colorado Federal Savings Bank Savings Calculator
You earn $2,020 more with Colorado Federal Savings Bank than Chase Bank 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.
Chase Bank
Chase Savings℠
Savings Breakdown
- Interest Earned+$5.00(0.0%)
- Total Contributions$0
- Initial Deposit$50,000
Projected Balance
$50,005.00
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 | Chase Bank | Colorado Federal Savings Bank |
|---|---|---|
| APY | 0.01% Verified: 2/21/2026 Stable (90d) | 4.05% Verified: 2/21/2026 Stable (90d) |
| Product Name | Chase Savings℠ | Premier Savings |
| Minimum Deposit | $0 | $50,000 |
| Min. Balance for APY | $0 | $50,000 |
| Monthly Fee | $5 | $0 |
| Compound Frequency | Monthly | Daily |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Physical Branches | Chase has more than 5,000 branches in nearly all of the United States, but not in Alaska and Hawaii. | 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: $2,000/dayBranded as Chase QuickPay; dynamic limits up to $10k. | Not Supported |
| BBB Rating | A- | A+ |
| Important Notes | APY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc. | - |
| Next Steps | Visit SiteVerify at Chase Bank 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 | Chase Bank | Colorado Federal Savings Bank | |
|---|---|---|---|
| Chase Savings℠ | Premier Savings | High Yield Savings | |
Current APY | 0.01% | 4.05% | 4.00% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | 0.0 | -2.4 | -2.4 |
Days Since Change | 365 | 134 | 134 |
12-Month High | 0.01% | 4.25% | 4.25% |
12-Month Low | 0.01% | 4.05% | 4.00% |
Adjustments / Mo | 0.00 | 0.16 | 0.33 |
Volatility Score | 0.000 | 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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