Colorado Federal Savings Bank vs. Peak 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 | Peak BankEnvision High Yield Savings Jan 7, 2026 |
|---|---|---|
| APY | 4.05% | 3.99% |
Est. Earnings | $5,000+$0 $10,000+$0 $25,000+$0 | $5,000+$200 $10,000+$399 $25,000+$998 |
Min Deposit | $50,000 | $100 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredHigh MinimumGreat iOS App | FDIC InsuredLow 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. Peak 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 Peak Bank's 3.99% APY for its Envision High Yield Savings account, with a minimum balance of .
Colorado Federal Savings Bank pays $6 more than Peak Bank on a $10,000 balance after one year. Colorado Federal Savings Bank pays $405, while Peak Bank pays $399 - 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?
- ✓Offers 2 different high-yield savings options
Why Peak Bank?
- ✓Higher rated iOS app (4.8 vs 4.3)
- ✓Higher rated Android app (4.6 vs 0.0)
— Key Feature Differences —
Better Returns at $10,000
Peak BankPeak Bank's Envision High Yield Savings earns more on smaller deposits (approx. $399 vs $0/yr).
Better Returns at $25,000
Peak BankPeak Bank's Envision High Yield Savings pulls ahead with larger amounts (approx. $998 vs $0/yr).
Best Mobile App Experience
Peak BankPeak Bank offers an iOS app rated 4.8 (vs. 4.3) and Android app rated 4.6 (vs. 0.0)
Shared Benefits
Over a 1-year period, Colorado Federal Savings Bank's Premier Savings pays $6 more interest on a $10,000 balance than Peak Bank's Envision High Yield 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 competitive High Yield Savings account with an APY of 4.00%, while its Premier Savings account provides a slightly higher APY of 4.05% but requires a minimum deposit of $50,000. In contrast, Peak Bank's Envision High Yield Savings account has an APY of 3.99% and requires a minimum deposit of $100. Although Peak Bank's product offers better returns at higher deposit levels, Colorado Federal Savings Bank's higher APY on the Premier Savings account makes it the winner in this comparison. Both banks operate online-only and do not require direct deposit.
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. Peak Bank Savings Calculator
You earn $30 more with Colorado Federal Savings Bank than Peak 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
Peak Bank
Envision High Yield Savings
Savings Breakdown
- Interest Earned+$1,995.00(3.8%)
- Total Contributions$0
- Initial Deposit$50,000
Projected Balance
$51,995.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Colorado Federal Savings Bank | Peak Bank |
|---|---|---|
| APY | 4.05% Verified: 1/7/2026 ↘︎ 0.10%90d Change | 3.99% Verified: 1/7/2026 ↘︎ 0.21%90d Change |
| Product Name | Premier Savings | Envision High Yield Savings |
| Minimum Deposit | $50,000 | $100 |
| Min. Balance for APY | $50,000 | N/A |
| 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 Android4.6 |
| 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 Peak Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Colorado Federal Savings Bank | Peak Bank | |
|---|---|---|---|
| Premier Savings | High Yield Savings | Envision High Yield Savings | |
Current APY | 4.05% | 4.00% | 3.99% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -2.6 | -2.6 | -4.0 |
Days Since Change | 89 | 89 | 6 |
11-Month High | 4.25% | 4.25% | 4.54% |
11-Month Low | 4.05% | 4.00% | 3.99% |
Adjustments / Mo | 0.19 | 0.37 | 0.65 |
Volatility Score | 0.022 | 0.022 | 0.033 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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