Colorado Federal Savings Bank vs. Ivy Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Colorado Federal Savings BankPremier Savings Jan 7, 2026 | Ivy BankHigh-Yield Savings Account Jan 7, 2026 |
|---|---|---|
| APY | 4.05% | 0.05% - 4.10% |
Est. Earnings | $5,000+$0 $10,000+$0 $25,000+$0 | $5,000+$205 $10,000+$410 $25,000+$1,025 |
Min Deposit | $50,000 | $2,500 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredHigh MinimumGreat iOS App | FDIC InsuredMod. 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 Colorado Federal Savings Bank vs. Ivy Bank
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 Ivy Bank's 4.10% APY for its High-Yield Savings Account, with a minimum balance of $2,500.
Ivy Bank pays $5 more than Colorado Federal Savings Bank on a $10,000 balance after one year. Colorado Federal Savings Bank pays $405, while Ivy Bank pays $410 - an APY advantage for Ivy 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?
- ✓No checking account or direct deposit required
- ✓Offers 2 different high-yield savings options
- ✓Available Nationwide
Why Ivy Bank?
- ✓Higher rated iOS app (4.7 vs 4.3)
— Key Feature Differences —
Better Returns at $10,000
Ivy BankIvy Bank's High-Yield Savings Account earns more on smaller deposits (approx. $410 vs $0/yr).
Better Returns at $25,000
Ivy BankIvy Bank's High-Yield Savings Account pulls ahead with larger amounts (approx. $1025 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, Ivy Bank's High-Yield Savings Account pays $5 more interest on a $10,000 balance than Colorado Federal Savings Bank's Premier Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Ivy Bank's High-Yield Savings Account offers a competitive APY of 4.10%, making it the highest-yielding option between the two banks. This online-only account requires a minimum deposit and balance of $2,500, but does not mandate direct deposit. In comparison, Colorado Federal Savings Bank provides a slightly lower APY of 4.05% through its Premier Savings account, which also has no direct deposit requirement but necessitates a higher minimum deposit of $50,000. Both banks charge no maintenance fees, but Ivy Bank's offering is more accessible for smaller deposits.
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. Ivy Bank Savings Calculator
You earn $25 more with Ivy Bank than Colorado Federal Savings Bank 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
Ivy Bank
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$2,050.00(3.9%)
- Total Contributions$0
- Initial Deposit$50,000
Projected Balance
$52,050.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Colorado Federal Savings Bank | Ivy Bank |
|---|---|---|
| APY | 4.05% Verified: 1/7/2026 ↘︎ 0.10%90d Change | 4.10% Range: 0.05% - 4.10% Verified: 1/7/2026 - |
| Product Name | Premier Savings | High-Yield Savings Account |
| Minimum Deposit | $50,000 | $2,500 |
| Min. Balance for APY | $50,000 | $2,500 |
| 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- | iOS4.7 Android3.5 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A- |
| Next Steps | Visit SiteVerify at Colorado Federal Savings Bank Non-sponsored link to official site | Visit SiteVerify at Ivy Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Colorado Federal Savings Bank | Ivy Bank | |
|---|---|---|---|
| Premier Savings | High Yield Savings | High-Yield Savings Account | |
Current APY | 4.05% | 4.00% | 4.10% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | 0.0 | 0.0 | -11.9 |
Days Since Change | 54 | 54 | 22 |
2-Month High | 4.05% | 4.00% | 4.25% |
2-Month Low | 4.05% | 4.00% | 4.10% |
Adjustments / Mo | 0.00 | 0.00 | 0.55 |
Volatility Score | 0.000 | 0.000 | 0.018 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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