Colorado Federal Savings Bank vs. FVCbank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Colorado Federal Savings BankPremier Savings Jan 7, 2026 | FVCbankAdvantage Direct Savings Jan 7, 2026 |
|---|---|---|
| APY | 4.05% | 3.85% |
Est. Earnings | $5,000+$0 $10,000+$0 $25,000+$0 | $5,000+$193 $10,000+$385 $25,000+$963 |
Min Deposit | $50,000 | $500 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredHigh MinimumGreat iOS App | FDIC InsuredLow MinimumsGreat iOS 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. FVCbank
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 FVCbank's 3.85% APY for its Advantage Direct Savings account, with a minimum balance of $500.
Colorado Federal Savings Bank pays $20 more than FVCbank on a $10,000 balance after one year. Colorado Federal Savings Bank pays $405, while FVCbank pays $385 - 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 3.85%)
- ✓Offers 2 different high-yield savings options
Why FVCbank?
- ✓Fast transfers via Zelle®
— Key Feature Differences —
Better Returns at $10,000
FVCbankFVCbank's Advantage Direct Savings earns more on smaller deposits (approx. $385 vs $0/yr).
Better Returns at $25,000
FVCbankFVCbank's Advantage Direct Savings pulls ahead with larger amounts (approx. $963 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.
Shared Benefits
Over a 1-year period, Colorado Federal Savings Bank's Premier Savings pays $20 more interest on a $10,000 balance than FVCbank's Advantage Direct 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 High Yield Savings account with a competitive APY of 4.00%, making it an attractive option for savers looking for simplicity, as it has no direct deposit requirement and a low minimum deposit of $1. In comparison, FVCbank's Advantage Direct Savings account provides a lower APY of 3.85% with a minimum deposit of $500. While FVCbank may offer better returns on larger deposits, the higher APY and lower entry barrier of Colorado Federal Savings Bank's product position it as the more favorable choice for those seeking higher interest rates.
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. FVCbank Savings Calculator
You earn $100 more with Colorado Federal Savings Bank than FVCbank 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
FVCbank
Advantage Direct Savings
Savings Breakdown
- Interest Earned+$1,925.00(3.7%)
- Total Contributions$0
- Initial Deposit$50,000
Projected Balance
$51,925.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Colorado Federal Savings Bank | FVCbank |
|---|---|---|
| APY | 4.05% Verified: 1/7/2026 ↘︎ 0.10%90d Change | 3.85% Verified: 1/7/2026 ↘︎ 0.25%90d Change |
| Product Name | Premier Savings | Advantage Direct Savings |
| Minimum Deposit | $50,000 | $500 |
| Min. Balance for APY | $50,000 | $500 |
| 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- | iOS4.4 Android3.6 |
| Zelle® Support | Not Supported | Available Integrated into mobile app. |
| BBB Rating | A+ | B- |
| Next Steps | Visit SiteVerify at Colorado Federal Savings Bank Non-sponsored link to official site | Visit SiteVerify at FVCbank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Colorado Federal Savings Bank | FVCbank | |
|---|---|---|---|
| Premier Savings | High Yield Savings | Advantage Direct Savings | |
Current APY | 4.05% | 4.00% | 3.85% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -2.8 | -2.9 | -8.5 |
Days Since Change | 89 | 89 | 67 |
10-Month High | 4.25% | 4.25% | 4.55% |
10-Month Low | 4.05% | 4.00% | 3.85% |
Adjustments / Mo | 0.20 | 0.41 | 0.81 |
Volatility Score | 0.022 | 0.022 | 0.063 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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