Colorado Federal Savings Bank vs. Marcus by Goldman Sachs
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Colorado Federal Savings BankPremier Savings Jan 7, 2026 | Marcus by Goldman SachsMarcus Online Savings Account Jan 7, 2026 |
|---|---|---|
| APY | 4.05% | 3.65% |
Est. Earnings | $5,000+$0 $10,000+$0 $25,000+$0 | $5,000+$183 $10,000+$365 $25,000+$912 |
Min Deposit | $50,000 | $0 |
Snapshot view. Rates subject to change. | ||
| 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. Marcus by Goldman Sachs
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 Marcus by Goldman Sachs's 3.65% APY for its Marcus Online Savings Account, with a minimum balance of $0.
Colorado Federal Savings Bank pays $40 more than Marcus by Goldman Sachs on a $10,000 balance after one year. Colorado Federal Savings Bank pays $405, while Marcus by Goldman Sachs pays $365 - 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 3.65%)
- ✓Offers 2 different high-yield savings options
Why Marcus by Goldman Sachs?
- ✓Higher rated iOS app (4.9 vs 4.3)
- ✓Higher rated Android app (4.9 vs 0.0)
— Key Feature Differences —
Better Returns at $10,000
Marcus by Goldman SachsMarcus by Goldman Sachs's Marcus Online Savings Account earns more on smaller deposits (approx. $365 vs $0/yr).
Better Returns at $25,000
Marcus by Goldman SachsMarcus by Goldman Sachs's Marcus Online Savings Account pulls ahead with larger amounts (approx. $912 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
Marcus by Goldman SachsMarcus by Goldman Sachs offers an iOS app rated 4.9 (vs. 4.3) and Android app rated 4.9 (vs. 0.0)
Shared Benefits
Over a 1-year period, Colorado Federal Savings Bank's Premier Savings pays $40 more interest on a $10,000 balance than Marcus by Goldman Sachs's Marcus 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 High Yield Savings account with a competitive APY of 4.00%, making it the top choice for savers looking for simplicity. This account requires a minimum deposit of just $1 and has no maintenance fees. In comparison, Marcus by Goldman Sachs provides a Marcus Online Savings Account with a lower APY of 3.65%, which is also accessible with no minimum deposit or maintenance fees. Both accounts are online-only and do not require direct deposit, but Colorado Federal's higher yield positions it as the winner for those prioritizing 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. Marcus by Goldman Sachs Savings Calculator
You earn $200 more with Colorado Federal Savings Bank than Marcus by Goldman Sachs 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
Marcus by Goldman Sachs
Marcus Online Savings Account
Savings Breakdown
- Interest Earned+$1,825.00(3.5%)
- Total Contributions$0
- Initial Deposit$50,000
Projected Balance
$51,825.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Colorado Federal Savings Bank | Marcus by Goldman Sachs |
|---|---|---|
| APY | 4.05% Verified: 1/7/2026 ↘︎ 0.10%90d Change | 3.65% Verified: 1/7/2026 Stable (90d) |
| Product Name | Premier Savings | Marcus Online Savings Account |
| 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- | iOS4.9 Android4.9 |
| 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 Marcus by Goldman Sachs Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Colorado Federal Savings Bank | Marcus by Goldman Sachs | |
|---|---|---|---|
| Premier Savings | High Yield Savings | Marcus Online Savings Account | |
Current APY | 4.05% | 4.00% | 3.65% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -2.6 | -2.6 | -1.8 |
Days Since Change | 89 | 89 | 224 |
11-Month High | 4.25% | 4.25% | 3.90% |
11-Month Low | 4.05% | 4.00% | 3.65% |
Adjustments / Mo | 0.19 | 0.37 | 0.19 |
Volatility Score | 0.022 | 0.022 | 0.021 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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