Colorado Federal Savings Bank vs. Neighbors 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 | Neighbors BankNeighbors Savings Account Jan 7, 2026 |
|---|---|---|
| APY | 4.05% | 4.30% |
Est. Earnings | $5,000+$0 $10,000+$0 $25,000+$0 | $5,000+$215 $10,000+$430 $25,000+$1,075 |
Min Deposit | $50,000 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | Balances up to $250,000 earn 4.30% APY. Anything above will earn 0.05% APY. |
| Features | FDIC InsuredHigh MinimumGreat iOS App | FDIC InsuredNo MinimumsGreat Android AppIn-Person Access |
Comparison Analysis
Comparing Colorado Federal Savings Bank vs. Neighbors 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 Neighbors Bank's 4.30% APY for its Neighbors Savings Account, with a minimum balance of $0.
Neighbors Bank pays $25 more than Colorado Federal Savings Bank on a $10,000 balance after one year. Colorado Federal Savings Bank pays $405, while Neighbors Bank pays $430 - an APY advantage for Neighbors 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
- ✓Higher rated iOS app (4.3 vs 3.3)
- ✓Offers 2 different high-yield savings options
- ✓Available Nationwide
Why Neighbors Bank?
- ✓Higher potential APY (4.30% vs 4.00%-4.05%) on all balances
- ✓Physical branch access (One location in Columbia, Missouri)
- ✓Higher rated Android app (4.4 vs 0.0)
— Key Feature Differences —
Better Returns at $10,000
Neighbors BankNeighbors Bank's Neighbors Savings Account earns more on smaller deposits (approx. $430 vs $0/yr).
Better Returns at $25,000
Neighbors BankNeighbors Bank's Neighbors Savings Account pulls ahead with larger amounts (approx. $1075 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.
Shared Benefits
Over a 1-year period, Neighbors Bank's Neighbors Savings Account pays $25 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
Neighbors Bank offers a competitive Neighbors Savings Account with a higher APY of 4.30%, making it the winner in this comparison. This account allows balances up to $250,000 to earn the top rate, while amounts above that earn 0.05%. In contrast, Colorado Federal Savings Bank's Premier Savings account provides a solid 4.05% APY, but requires a minimum deposit of $50,000. Both banks have no maintenance fees and do not require direct deposit, with Colorado Federal being an online-only option. Overall, for those seeking higher returns, Neighbors Bank is the preferable choice.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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Colorado Federal Savings Bank vs. Neighbors Bank Savings Calculator
You earn $125 more with Neighbors 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
Neighbors Bank
Neighbors Savings Account
4.30% on first $250,000 and 0.05% thereafter.
Savings Breakdown
- Interest Earned+$2,150.00(4.1%)
- Total Contributions$0
- Initial Deposit$50,000
Projected Balance
$52,150.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Colorado Federal Savings Bank | Neighbors Bank |
|---|---|---|
| APY | 4.05% Verified: 1/7/2026 ↘︎ 0.10%90d Change | 4.30% Verified: 1/7/2026 ↘︎ 0.30%90d Change |
| Product Name | Premier Savings | Neighbors Savings Account |
| Minimum Deposit | $50,000 | $0 |
| Min. Balance for APY | $50,000 | $0 |
| 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- | iOS3.3 Android4.4 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Important Notes | - | Balances up to $250,000 earn 4.30% APY. Anything above will earn 0.05% APY. |
| Next Steps | Visit SiteVerify at Colorado Federal Savings Bank Non-sponsored link to official site | Visit SiteVerify at Neighbors Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Colorado Federal Savings Bank | Neighbors Bank | |
|---|---|---|---|
| Premier Savings | High Yield Savings | Neighbors Savings Account | |
Current APY | 4.05% | 4.00% | 4.30% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -2.6 | -2.7 | -2.6 |
Days Since Change | 89 | 89 | 28 |
10-Month High | 4.25% | 4.25% | 4.75% |
10-Month Low | 4.05% | 4.00% | 4.30% |
Adjustments / Mo | 0.19 | 0.38 | 0.29 |
Volatility Score | 0.022 | 0.022 | 0.023 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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