Chase Bank vs. Colorado Federal Savings Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Chase BankChase Savings℠ Jan 7, 2026 | Colorado Federal Savings BankPremier Savings Jan 7, 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® 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 Chase Bank vs. Colorado Federal Savings Bank
As of Chase Bank offers an APY of 0.01% for its Chase 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 $404 more than Chase Bank on a $10,000 balance after one year. Chase Bank pays $1, 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 Chase Bank?
- ✓Higher rated iOS app (4.8 vs 4.3)
- ✓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. 4.3) and Android app rated 4.7 (vs. 0.0)
Shared Benefits
Over a 1-year period, Colorado Federal Savings Bank's Premier Savings pays $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.
Executive Summary as of
Colorado Federal Savings Bank offers a standout High Yield Savings account with a competitive APY of 4.00%, significantly higher than Chase Bank's Chase Savings℠, which has an APY of just 0.01%. Colorado Federal's account requires a minimum deposit and balance of $1, with no maintenance fees, and is available online only. In contrast, Chase Bank's product has a $5 monthly maintenance fee that can be waived under certain conditions. While Chase excels in mobile app experience, Colorado Federal Savings Bank is noted for its simplicity and higher yield, making it the more attractive option for savers.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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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: 1/7/2026 Stable (90d) | 4.05% Verified: 1/7/2026 ↘︎ 0.10%90d Change |
| Product Name | Chase Savings℠ | Premier Savings |
| Minimum Deposit | $0 | $50,000 |
| Min. Balance for APY | $0 | $50,000 |
| Monthly Fee | $5 | $0 |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.8 Android4.7 | iOS4.3 Android- |
| 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 | -2.6 | -2.6 |
Days Since Change | 322 | 89 | 89 |
11-Month High | 0.01% | 4.25% | 4.25% |
11-Month Low | 0.01% | 4.05% | 4.00% |
Adjustments / Mo | 0.00 | 0.19 | 0.37 |
Volatility Score | 0.000 | 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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