Colorado Federal Savings Bank vs. MutualOne 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 | MutualOne BankMo Premium Savings Jan 7, 2026 |
|---|---|---|
| APY | 4.05% | 4.07% |
Est. Earnings | $5,000+$0 $10,000+$0 $25,000+$0 | $5,000+$0 $10,000+$0 $25,000+$1,018 |
Min Deposit | $50,000 | $20,000 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredHigh MinimumGreat iOS App | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported |
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. MutualOne 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 MutualOne Bank's 4.07% APY for its Mo Premium Savings account, with a minimum balance of $20,000.
MutualOne Bank pays $2 more than Colorado Federal Savings Bank on a $10,000 balance after one year. Colorado Federal Savings Bank pays $405, while MutualOne Bank pays $407 - an APY advantage for MutualOne Bank.
In addition, Colorado Federal Savings Bank also offers 4.00% APY for the High Yield Savings account, with a minimum balance of $1, while MutualOne Bank offers 0.40% APY for the Online Savings account, with a minimum balance of 0.
Why Colorado Federal Savings Bank?
- ✓Offers 2 different high-yield savings options
Why MutualOne Bank?
- ✓Physical branch access (Full-service banking offices in Framingham, MA, and Natick, MA)
- ✓Higher rated iOS app (4.9 vs 4.3)
- ✓Higher rated Android app (4.4 vs 0.0)
- ✓Fast transfers via Zelle®
— Key Feature Differences —
Better Returns at $25,000
MutualOne BankMutualOne Bank's Mo Premium Savings pulls ahead with larger amounts (approx. $1018 vs $0/yr).
Best Mobile App Experience
MutualOne BankMutualOne Bank offers an iOS app rated 4.9 (vs. 4.3) and Android app rated 4.4 (vs. 0.0)
Shared Benefits
Over a 1-year period, MutualOne Bank's Mo Premium Savings pays $2 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
MutualOne Bank offers a competitive Mo Premium Savings account with an APY of 4.07%, making it the clear winner in this comparison. This account requires a minimum deposit of $20,000 and does not charge maintenance fees. In contrast, Colorado Federal Savings Bank's High Yield Savings account provides a slightly lower APY of 4.00%, with a minimal deposit requirement of just $1. Both banks do not require direct deposit for their savings accounts. While MutualOne Bank also features an Online Savings account with a significantly lower APY of 0.40%, the Mo Premium Savings stands out for higher returns, especially for larger balances.
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. MutualOne Bank Savings Calculator
You earn $10 more with MutualOne 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
MutualOne Bank
Mo Premium Savings
Savings Breakdown
- Interest Earned+$2,035.00(3.9%)
- Total Contributions$0
- Initial Deposit$50,000
Projected Balance
$52,035.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Colorado Federal Savings Bank | MutualOne Bank |
|---|---|---|
| APY | 4.05% Verified: 1/7/2026 ↘︎ 0.10%90d Change | 4.07% Verified: 1/7/2026 Stable (90d) |
| Product Name | Premier Savings | Mo Premium Savings |
| Minimum Deposit | $50,000 | $20,000 |
| Min. Balance for APY | $50,000 | $20,000 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.3 Android- | iOS4.9 Android4.4 |
| Zelle® Support | Not Supported | Available Verified via website and app descriptions. |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Colorado Federal Savings Bank Non-sponsored link to official site | Visit SiteVerify at MutualOne Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Colorado Federal Savings Bank | MutualOne Bank | ||
|---|---|---|---|---|
| Premier Savings | High Yield Savings | Online Savings | Mo Premium Savings | |
Current APY | 4.05% | 4.00% | 0.40% | 4.07% |
Trend | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | -2.5 | -2.5 | 0.0 | -0.0 |
Days Since Change | 89 | 89 | 114 | 114 |
4-Month High | 4.15% | 4.10% | 0.40% | 4.07% |
4-Month Low | 4.05% | 4.00% | 0.40% | 4.07% |
Adjustments / Mo | 0.26 | 0.26 | 0.00 | 0.00 |
Volatility Score | 0.009 | 0.009 | 0.000 | 0.000 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare Colorado Federal Savings Bank vs...
Comparing against Standard Savings
Compare MutualOne Bank vs...
Comparing against Standard Savings
High Rates (With Checking Bundle)
Looking for something different? Check out these top-rated alternatives.