Colorado Federal Savings Bank vs. LendingClub
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Colorado Federal Savings BankPremier Savings Jan 7, 2026 | LendingClubLevelUp Savings Jan 7, 2026 |
|---|---|---|
| APY | 4.05% | 3.00% - 4.00% |
Est. Earnings | $5,000+$0 $10,000+$0 $25,000+$0 | $5,000+$200 $10,000+$400 $25,000+$1,000 |
Min Deposit | $50,000 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | The advertised "LevelUp Rate" APY of 4.00% is only available if you deposit $250+ into the account each month. Otherwise the "Standard Rate" of 3.00% applies. |
| Features | FDIC InsuredHigh MinimumGreat iOS App | FDIC InsuredNo MinimumsGreat iOS AppGreat Android 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. LendingClub
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 LendingClub's 4.00% APY for its LevelUp Savings account, with a minimum balance of $0.
Colorado Federal Savings Bank pays $5 more than LendingClub on a $10,000 balance after one year. Colorado Federal Savings Bank pays $405, while LendingClub pays $400 - 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?
- ✓No checking account or direct deposit required
- ✓Offers 2 different high-yield savings options
Why LendingClub?
- ✓Higher rated iOS app (4.8 vs 4.3)
- ✓Higher rated Android app (4.7 vs 0.0)
— Key Feature Differences —
Better Returns at $10,000
LendingClubLendingClub's LevelUp Savings earns more on smaller deposits (approx. $400 vs $0/yr).
Better Returns at $25,000
LendingClubLendingClub's LevelUp Savings pulls ahead with larger amounts (approx. $1000 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
LendingClubLendingClub offers an iOS app rated 4.8 (vs. 4.3) and Android app rated 4.7 (vs. 0.0)
Shared Benefits
Over a 1-year period, Colorado Federal Savings Bank's Premier Savings pays $5 more interest on a $10,000 balance than LendingClub's LevelUp 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%, alongside a Premier Savings account yielding 4.05% APY, which is ideal for those with a minimum deposit of $50,000. Both accounts are online-only and require no direct deposit. In comparison, LendingClub's LevelUp Savings account also features a 4.00% APY, but this rate is contingent on a monthly deposit of $250; otherwise, the rate drops to 3.00%. LendingClub excels with its mobile app experience and provides better returns on larger deposits. Overall, Colorado Federal Savings Bank's Premier Savings account stands out with a higher APY without deposit conditions.
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. LendingClub Savings Calculator
You earn $25 more with Colorado Federal Savings Bank than LendingClub 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
LendingClub
LevelUp Savings
Savings Breakdown
- Interest Earned+$2,000.00(3.8%)
- Total Contributions$0
- Initial Deposit$50,000
Projected Balance
$52,000.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Colorado Federal Savings Bank | LendingClub |
|---|---|---|
| APY | 4.05% Verified: 1/7/2026 ↘︎ 0.10%90d Change | 4.00% Range: 3.00% - 4.00% Verified: 1/7/2026 ↘︎ 0.20%90d Change |
| Product Name | Premier Savings | LevelUp 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- | iOS4.8 Android4.7 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Important Notes | - | The advertised "LevelUp Rate" APY of 4.00% is only available if you deposit $250+ into the account each month. Otherwise the "Standard Rate" of 3.00% applies. |
| Next Steps | Visit SiteVerify at Colorado Federal Savings Bank Non-sponsored link to official site | Visit SiteVerify at LendingClub Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Colorado Federal Savings Bank | LendingClub | |
|---|---|---|---|
| Premier Savings | High Yield Savings | LevelUp Savings | |
Current APY | 4.05% | 4.00% | 4.00% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -2.6 | -2.6 | -4.1 |
Days Since Change | 89 | 89 | 26 |
11-Month High | 4.25% | 4.25% | 4.50% |
11-Month Low | 4.05% | 4.00% | 4.00% |
Adjustments / Mo | 0.19 | 0.37 | 0.28 |
Volatility Score | 0.022 | 0.022 | 0.034 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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