Colorado Federal Savings Bank vs. Marcus by Goldman Sachs
Comparing Colorado Federal Savings Bank and Marcus by Goldman Sachs for high-yield savings: Colorado Federal Savings Bank's Premier Savings pays 4.05% APY while Marcus by Goldman Sachs's Marcus Online Savings Account pays 3.65% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Marcus by Goldman Sachs pays $365 more than Colorado Federal Savings Bank annually ($365 vs $0).
Choose Marcus by Goldman Sachs if getting the best rate matters most, or you're an Android user (no Android app for Colorado Federal Savings Bank).
| Metric | Colorado Federal Savings BankPremier Savings Feb 21, 2026 | Marcus by Goldman SachsMarcus Online Savings Account Feb 21, 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 AppDaily CompoundingStable Rate | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingStable Rate |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.15% APY.
Comparison Analysis
Comparing Colorado Federal Savings Bank vs. Marcus by Goldman Sachs
Executive Summary
Colorado Federal Savings Bank offers a Premier Savings account with a competitive APY of 4.05%, making it the top choice among the two banks. This account does not require direct deposit and has no maintenance fees, with a minimum deposit of $50,000. In comparison, Marcus by Goldman Sachs provides a Marcus Online Savings Account with a lower APY of 3.65%, which is accessible with no minimum deposit requirement. While Marcus is noted for its mobile app experience and better returns at various deposit levels, Colorado Federal's higher yield positions it as the preferred option for those meeting the deposit threshold.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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 4.4)
- ✓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. 4.4) 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.
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: 2/21/2026 Stable (90d) | 3.65% Verified: 2/21/2026 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 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | None | N/A |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.4 Android- | |
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| 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) | -2.4 | -2.4 | -1.5 |
Days Since Change | 134 | 134 | 269 |
12-Month High | 4.25% | 4.25% | 3.90% |
12-Month Low | 4.05% | 4.00% | 3.65% |
Adjustments / Mo | 0.16 | 0.33 | 0.16 |
Volatility Score | 0.022 | 0.023 | 0.019 |
How to read these metrics(Click to expand)
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