Colorado Federal Savings Bank vs. FNBO Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Colorado Federal Savings BankPremier Savings Jan 7, 2026 | FNBO DirectHigh-Yield Online Savings Account Jan 7, 2026 |
|---|---|---|
| APY | 4.05% | 3.00% |
Est. Earnings | $5,000+$0 $10,000+$0 $25,000+$0 | $5,000+$150 $10,000+$300 $25,000+$750 |
Min Deposit | $50,000 | $1 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredHigh MinimumGreat iOS App | FDIC InsuredLow 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. FNBO Direct
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 FNBO Direct's 3.00% APY for its High-Yield Online Savings Account, with a minimum balance of $0.01.
Colorado Federal Savings Bank pays $105 more than FNBO Direct on a $10,000 balance after one year. Colorado Federal Savings Bank pays $405, while FNBO Direct pays $300 - 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 3.00%)
- ✓Offers 2 different high-yield savings options
Why FNBO Direct?
- ✓Higher rated Android app (4.8 vs 0.0)
- ✓Fast transfers via Zelle®
— Key Feature Differences —
Better Returns at $10,000
FNBO DirectFNBO Direct's High-Yield Online Savings Account earns more on smaller deposits (approx. $300 vs $0/yr).
Better Returns at $25,000
FNBO DirectFNBO Direct's High-Yield Online Savings Account pulls ahead with larger amounts (approx. $750 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
FNBO DirectFNBO Direct offers an iOS app rated 4.5 (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 $105 more interest on a $10,000 balance than FNBO Direct's High-Yield Online 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 competitive High Yield Savings account with an APY of 4.00%, making it a strong choice for savers. This account has no direct deposit requirement and is online-only, with a low minimum deposit of $1. Alternatively, its Premier Savings account provides a slightly higher APY of 4.05% but requires a minimum deposit of $50,000. In contrast, FNBO Direct's High-Yield Online Savings Account offers a lower APY of 3.00%, but it is accessible with a minimum balance of just $0.01 and also has no direct deposit requirement. Overall, Colorado Federal Savings Bank's offerings yield better returns, especially with the Premier Savings account.
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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Non-sponsored link to official site
Top Market Contenders
Colorado Federal Savings Bank vs. FNBO Direct Savings Calculator
You earn $525 more with Colorado Federal Savings Bank than FNBO Direct 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
FNBO Direct
High-Yield Online Savings Account
Savings Breakdown
- Interest Earned+$1,500.00(2.9%)
- Total Contributions$0
- Initial Deposit$50,000
Projected Balance
$51,500.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Colorado Federal Savings Bank | FNBO Direct |
|---|---|---|
| APY | 4.05% Verified: 1/7/2026 ↘︎ 0.10%90d Change | 3.00% Verified: 1/7/2026 Stable (90d) |
| Product Name | Premier Savings | High-Yield Online Savings Account |
| Minimum Deposit | $50,000 | $1 |
| Min. Balance for APY | $50,000 | $0.01 |
| 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- | iOS4.5 Android4.8 |
| Zelle® Support | Not Supported | Available Online division fully supports Zelle. |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Colorado Federal Savings Bank Non-sponsored link to official site | Visit SiteVerify at FNBO Direct Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Colorado Federal Savings Bank | FNBO Direct | |
|---|---|---|---|
| Premier Savings | High Yield Savings | High-Yield Online Savings Account | |
Current APY | 4.05% | 4.00% | 3.00% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -3.3 | -3.3 | -6.4 |
Days Since Change | 89 | 89 | 96 |
5-Month High | 4.25% | 4.20% | 3.25% |
5-Month Low | 4.05% | 4.00% | 3.00% |
Adjustments / Mo | 0.36 | 0.36 | 0.18 |
Volatility Score | 0.015 | 0.015 | 0.039 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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