Colorado Federal Savings Bank vs. E*TRADE from Morgan Stanley
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Colorado Federal Savings BankPremier Savings Jan 7, 2026 | E*TRADE from Morgan StanleyPremium Savings Account Jan 7, 2026 |
|---|---|---|
| APY | 4.05% | 3.50% |
Est. Earnings | $5,000+$0 $10,000+$0 $25,000+$0 | $5,000+$175 $10,000+$350 $25,000+$875 |
Min Deposit | $50,000 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredHigh MinimumGreat iOS App | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® Supported |
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 Colorado Federal Savings Bank vs. E*TRADE from Morgan Stanley
As of Colorado Federal Savings Bank offers an APY of 4.05% for its Premier Savings account, with a minimum balance of $50,000, compared to E*TRADE from Morgan Stanley's 3.50% APY for its Premium Savings Account, with a minimum balance of $0+.
Colorado Federal Savings Bank pays $55 more than E*TRADE from Morgan Stanley on a $10,000 balance after one year. Colorado Federal Savings Bank pays $405, while E*TRADE from Morgan Stanley pays $350 - 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 Colorado Federal Savings Bank?
- ✓Higher potential APY (4.00%-4.05% vs 3.50%)
- ✓Offers 2 different high-yield savings options
Why E*TRADE from Morgan Stanley?
- ✓Higher rated iOS app (4.7 vs 4.3)
- ✓Higher rated Android app (4.7 vs 0.0)
- ✓Fast transfers via Zelle®
— Key Feature Differences —
Better Returns at $10,000
E*TRADE from Morgan StanleyE*TRADE from Morgan Stanley's Premium Savings Account earns more on smaller deposits (approx. $350 vs $0/yr).
Better Returns at $25,000
E*TRADE from Morgan StanleyE*TRADE from Morgan Stanley's Premium Savings Account pulls ahead with larger amounts (approx. $875 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
E*TRADE from Morgan StanleyE*TRADE from Morgan Stanley offers an iOS app rated 4.7 (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 $55 more interest on a $10,000 balance than E*TRADE from Morgan Stanley's Premium Savings Account.
*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 High Yield Savings account with a competitive APY of 4.00%, making it a strong choice for savers. Additionally, their Premier Savings account provides a slightly higher APY of 4.05%, but requires a minimum deposit of $50,000. In contrast, E*TRADE from Morgan Stanley's Premium Savings Account yields 3.50% APY, which is lower than Colorado's offerings. However, E*TRADE's account has no minimum deposit requirement, making it accessible for all savers. Both banks feature online-only accounts with no maintenance fees, but Colorado Federal Savings Bank stands out with its higher APY options.
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
Colorado Federal Savings Bank vs. E*TRADE from Morgan Stanley Savings Calculator
You earn $275 more with Colorado Federal Savings Bank than E*TRADE from Morgan Stanley 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.
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
E*TRADE from Morgan Stanley
Premium Savings Account
Savings Breakdown
- Interest Earned+$1,750.00(3.4%)
- Total Contributions$0
- Initial Deposit$50,000
Projected Balance
$51,750.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Colorado Federal Savings Bank | E*TRADE from Morgan Stanley |
|---|---|---|
| APY | 4.05% Verified: 1/7/2026 ↘︎ 0.10%90d Change | 3.50% Verified: 1/7/2026 ↘︎ 0.25%90d Change |
| Product Name | Premier Savings | Premium Savings Account |
| Minimum Deposit | $50,000 | $0 |
| Min. Balance for APY | $50,000 | $0+ |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.3 Android- | iOS4.7 Android4.7 |
| Zelle® Support | Not Supported | Available Available for Premium Savings and Checking. |
| BBB Rating | A+ | D- |
| Next Steps | Visit SiteVerify at Colorado Federal Savings Bank Non-sponsored link to official site | Visit SiteVerify at E*TRADE from Morgan Stanley Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Colorado Federal Savings Bank | E*TRADE from Morgan Stanley | |
|---|---|---|---|
| Premier Savings | High Yield Savings | Premium Savings Account | |
Current APY | 4.05% | 4.00% | 3.50% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -2.6 | -2.6 | -4.2 |
Days Since Change | 89 | 89 | 22 |
11-Month High | 4.25% | 4.25% | 4.00% |
11-Month Low | 4.05% | 4.00% | 3.50% |
Adjustments / Mo | 0.19 | 0.37 | 0.19 |
Volatility Score | 0.022 | 0.022 | 0.043 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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