Colorado Federal Savings Bank vs. EverBank
Comparing Colorado Federal Savings Bank and EverBank for high-yield savings: Colorado Federal Savings Bank's Premier Savings pays 4.05% APY while EverBank's Performance Savings pays 3.90% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? EverBank pays $390 more than Colorado Federal Savings Bank annually ($390 vs $0).
Choose EverBank if getting the best rate matters most, you're an Android user (no Android app for Colorado Federal Savings Bank), or you want Zelle for quick transfers.
| Metric | Colorado Federal Savings BankPremier Savings Feb 21, 2026 | EverBankPerformance Savings Feb 21, 2026 |
|---|---|---|
| APY | 4.05% | 3.90% |
Est. Earnings | $5,000+$0 $10,000+$0 $25,000+$0 | $5,000+$195 $10,000+$390 $25,000+$975 |
Min Deposit | $50,000 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredHigh MinimumGreat iOS AppDaily CompoundingStable Rate | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® SupportedDaily CompoundingRate Changes Often |
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 Colorado Federal Savings Bank vs. EverBank
Executive Summary
Colorado Federal Savings Bank offers a High Yield Savings account with a competitive APY of 4.00%, requiring a minimum deposit of just $1 and no maintenance fees. Alternatively, their Premier Savings account provides a slightly higher APY of 4.05% but requires a minimum deposit of $50,000. In comparison, EverBank's Performance Savings account has an APY of 3.90% with no minimum deposit requirement, making it accessible for all. While EverBank's account is slightly lower in yield, it offers better returns for larger deposits and is noted for its superior mobile app experience. Both banks provide online-only services and do not require direct deposits.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Colorado Federal Savings Bank?
- ✓Higher potential APY (4.00%-4.05% vs 3.90%)
- ✓Offers 2 different high-yield savings options
Why EverBank?
- ✓Physical branch access (11 locations in Florida and California)
- ✓Higher rated Android app (4.7 vs 0.0)
- ✓Fast transfers via Zelle®
— Key Feature Differences —
Better Returns at $10,000
EverBankEverBank's Performance Savings earns more on smaller deposits (approx. $390 vs $0/yr).
Better Returns at $25,000
EverBankEverBank's Performance Savings pulls ahead with larger amounts (approx. $975 vs $0/yr).
Best Mobile App Experience
EverBankEverBank offers an iOS app rated 4.7 (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 $15 more interest on a $10,000 balance than EverBank's 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
Colorado Federal Savings Bank vs. EverBank Savings Calculator
You earn $75 more with Colorado Federal Savings Bank than EverBank 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
EverBank
Performance Savings
Savings Breakdown
- Interest Earned+$1,950.00(3.8%)
- Total Contributions$0
- Initial Deposit$50,000
Projected Balance
$51,950.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Colorado Federal Savings Bank | EverBank |
|---|---|---|
| APY | 4.05% Verified: 2/21/2026 Stable (90d) | 3.90% Verified: 2/21/2026 ↘︎ 0.15%90d Change |
| Product Name | Premier Savings | Performance Savings |
| Minimum Deposit | $50,000 | $0 |
| Min. Balance for APY | $50,000 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | None | 11 locations in Florida and California |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.4 Android- | |
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Available Native integration verified. |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Colorado Federal Savings Bank Non-sponsored link to official site | Visit SiteVerify at EverBank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Colorado Federal Savings Bank | EverBank | |
|---|---|---|---|
| Premier Savings | High Yield Savings | Performance Savings | |
Current APY | 4.05% | 4.00% | 3.90% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -2.4 | -2.4 | -4.2 |
Days Since Change | 134 | 134 | 64 |
12-Month High | 4.25% | 4.25% | 4.30% |
12-Month Low | 4.05% | 4.00% | 3.90% |
Adjustments / Mo | 0.16 | 0.33 | 0.16 |
Volatility Score | 0.022 | 0.023 | 0.040 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare Colorado Federal Savings Bank vs...
Comparing against Standard Savings
Compare EverBank vs...
Comparing against Standard Savings
High Rates (With Checking Bundle)
Looking for something different? Check out these top-rated alternatives.