Colorado Federal Savings Bank vs. Jenius 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 | Jenius BankJenius Savings Jan 7, 2026 |
|---|---|---|
| APY | 4.05% | 4.05% |
Est. Earnings | $5,000+$0 $10,000+$0 $25,000+$0 | $5,000+$203 $10,000+$405 $25,000+$1,013 |
Min Deposit | $50,000 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredHigh MinimumGreat iOS App | FDIC InsuredNo Minimums |
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. Jenius Bank
As of both Colorado Federal Savings Bank (Premier Savings) and Jenius Bank (Jenius Savings) offer an APY of 4.05% .
Both banks yield $405 in interest on a $10,000 balance after one year. Neither has an APY advantage, so consider other features (fees, access, app ratings, etc.) when choosing.
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 rated iOS app (4.3 vs 4.0)
- ✓Offers 2 different high-yield savings options
Why Jenius Bank?
No distinct advantages found vs Colorado Federal Savings Bank.
— Key Feature Differences —
Better Returns at $10,000
Jenius BankJenius Bank's Jenius Savings earns more on smaller deposits (approx. $405 vs $0/yr).
Better Returns at $25,000
Jenius BankJenius Bank's Jenius Savings pulls ahead with larger amounts (approx. $1013 vs $0/yr).
Shared Benefits
Executive Summary as of
Colorado Federal Savings Bank offers a High Yield Savings account with an APY of 4.00%, making it a solid choice for savers. However, Jenius Bank's Jenius Savings account slightly edges out with a comparable APY of 4.05%. Both accounts are online-only and have no maintenance fees, with Jenius Bank requiring no minimum deposit, while Colorado Federal requires $1. For those looking for higher returns, Jenius Bank's account provides better returns on larger deposits, making it the more favorable option overall.
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. Jenius Bank Savings Calculator
Both accounts earn exactly the same amount.
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
Jenius Bank
Jenius Savings
Savings Breakdown
- Interest Earned+$2,025.00(3.9%)
- Total Contributions$0
- Initial Deposit$50,000
Projected Balance
$52,025.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Colorado Federal Savings Bank | Jenius Bank |
|---|---|---|
| APY | 4.05% Verified: 1/7/2026 ↘︎ 0.10%90d Change | 4.05% Verified: 1/7/2026 ↘︎ 0.15%90d Change |
| Product Name | Premier Savings | Jenius Savings |
| 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- | iOS4.0 Android3.6 |
| 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 Jenius Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Colorado Federal Savings Bank | Jenius Bank | |
|---|---|---|---|
| Premier Savings | High Yield Savings | Jenius Savings | |
Current APY | 4.05% | 4.00% | 4.05% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -2.6 | -2.6 | -2.2 |
Days Since Change | 89 | 89 | 50 |
11-Month High | 4.25% | 4.25% | 4.50% |
11-Month Low | 4.05% | 4.00% | 4.05% |
Adjustments / Mo | 0.19 | 0.37 | 0.19 |
Volatility Score | 0.022 | 0.022 | 0.024 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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