Citibank vs. Colorado Federal Savings Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | CitibankCiti Accelerate Savings Jan 7, 2026 | Colorado Federal Savings BankPremier Savings Jan 7, 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. | ||
Terms | Eligibility restricted to select states. | - |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® 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 Citibank vs. Colorado Federal Savings Bank
As of Citibank offers an APY of 3.30% for its Citi Accelerate Savings account, with a minimum balance of $0.01, 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 $75 more than Citibank on a $10,000 balance after one year. Citibank pays $330, while Colorado Federal Savings Bank pays $405 - an APY advantage for Colorado Federal Savings Bank.
In addition, Citibank also offers 0.03% APY for the Citi® Savings Account account, with a minimum balance of $0.01, while Colorado Federal Savings Bank offers 4.00% APY for the High Yield Savings account, with a minimum balance of $1.
Why Citibank?
- ✓Physical branch access (U.S. branches are concentrated in six metropolitan areas, New York City, Chicago, Los Angeles, San Francisco, Washington, D.C., and Miami.)
- ✓Higher rated iOS app (4.9 vs 4.3)
- ✓Higher rated Android app (4.8 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
- ✓Available Nationwide
— Key Feature Differences —
Better Returns at $10,000
CitibankCitibank's Citi Accelerate Savings earns more on smaller deposits (approx. $330 vs $0/yr).
Better Returns at $25,000
CitibankCitibank's Citi Accelerate 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
CitibankCitibank offers an iOS app rated 4.9 (vs. 4.3) and Android app rated 4.8 (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 Citibank's Citi Accelerate 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 competitive High Yield Savings account with an APY of 4.00%, making it the highest-yielding option between the two banks. This account requires a minimum deposit and balance of $1, with no maintenance fees, and is available online only. In contrast, Citibank's Citi Accelerate Savings provides a lower APY of 3.30% but has no minimum deposit requirement and is also online only, with eligibility restricted to select states. For those looking for a higher yield, Colorado Federal Savings Bank is the clear winner.
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
Citibank vs. Colorado Federal Savings Bank Savings Calculator
You earn $375 more with Colorado Federal Savings Bank than Citibank 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.
Citibank
Citi Accelerate 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 | Citibank | Colorado Federal Savings Bank |
|---|---|---|
| APY | 3.30% Verified: 1/7/2026 ↘︎ 0.10%90d Change | 4.05% Verified: 1/7/2026 ↘︎ 0.10%90d Change |
| Product Name | Citi Accelerate Savings | Premier Savings |
| Minimum Deposit | $0 | $50,000 |
| Min. Balance for APY | $0.01 | $50,000 |
| Monthly Fee | $4.50. Waived for average monthly balances > $500 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.8 | iOS4.3 Android- |
| Zelle® Support | Available Limit: $2,500/dayTiered limits based on account status (Citigold higher). | Not Supported |
| BBB Rating | D- | A+ |
| Important Notes | Eligibility restricted to select states. | - |
| Next Steps | Visit SiteVerify at Citibank 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 | Citibank | Colorado Federal Savings Bank | ||
|---|---|---|---|---|
| Citi® Savings Account | Citi Accelerate Savings | Premier Savings | High Yield Savings | |
Current APY | 0.03% | 3.30% | 4.05% | 4.00% |
Trend | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | -0.0 | -4.8 | -2.6 | -2.6 |
Days Since Change | 322 | 50 | 89 | 89 |
11-Month High | 0.03% | 3.80% | 4.25% | 4.25% |
11-Month Low | 0.03% | 3.30% | 4.05% | 4.00% |
Adjustments / Mo | 0.00 | 0.56 | 0.19 | 0.37 |
Volatility Score | 0.000 | 0.045 | 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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