Colorado Federal Savings Bank vs. PNC
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Colorado Federal Savings BankPremier Savings Jan 7, 2026 | PNCPNC High Yield Savings Jan 7, 2026 |
|---|---|---|
| APY | 4.05% | 3.30% |
Est. Earnings | $5,000+$0 $10,000+$0 $25,000+$0 | $5,000+$165 $10,000+$330 $25,000+$825 |
Min Deposit | $50,000 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | Eligibility restricted to select states. |
| Features | FDIC InsuredHigh MinimumGreat iOS App | FDIC InsuredNo MinimumsGreat 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. PNC
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 PNC's 3.30% APY for its PNC High Yield Savings account, with a minimum balance of $0.
Colorado Federal Savings Bank pays $75 more than PNC on a $10,000 balance after one year. Colorado Federal Savings Bank pays $405, while PNC pays $330 - 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, while PNC offers 0.03% APY for the Standard Savings account, with a minimum balance of $1.
Why Colorado Federal Savings Bank?
- ✓Higher potential APY (4.00%-4.05% vs 3.30%)
- ✓Offers 2 different high-yield savings options
- ✓Available Nationwide
Why PNC?
- ✓Physical branch access (Multiple branches in AL, AZ, CA, CO, DE, DC, FL, GA, IL, IN, KS, KY, MD, MA, MI, MO, NJ, NM, NY, NC, OH, PA, SC, TN, TX, VA, WV, WI)
- ✓Higher rated iOS app (4.9 vs 4.3)
- ✓Higher rated Android app (4.6 vs 0.0)
- ✓Fast transfers via Zelle® (up to $2,000 a day)
— Key Feature Differences —
Better Returns at $10,000
PNCPNC's PNC High Yield Savings earns more on smaller deposits (approx. $330 vs $0/yr).
Better Returns at $25,000
PNCPNC's PNC High Yield Savings pulls ahead with larger amounts (approx. $825 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
PNCPNC offers an iOS app rated 4.9 (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 $75 more interest on a $10,000 balance than PNC's PNC 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%, making it an attractive option for savers. Its Premier Savings account provides a slightly lower APY of 4.05% but requires a minimum deposit of $50,000. In contrast, PNC's highest yielding product, the PNC High Yield Savings, offers a significantly lower APY of 3.30%, with eligibility restricted to select states. While PNC does provide a Standard Savings account with an APY of 0.03%, it pales in comparison to Colorado Federal's offerings. Both banks have no maintenance fees and do not require direct deposit, but Colorado Federal's products are exclusively online.
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. PNC Savings Calculator
You earn $375 more with Colorado Federal Savings Bank than PNC 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
PNC
PNC High Yield Savings
Savings Breakdown
- Interest Earned+$1,650.00(3.2%)
- Total Contributions$0
- Initial Deposit$50,000
Projected Balance
$51,650.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Colorado Federal Savings Bank | PNC |
|---|---|---|
| APY | 4.05% Verified: 1/7/2026 ↘︎ 0.10%90d Change | 3.30% Verified: 1/7/2026 ↘︎ 0.55%90d Change |
| Product Name | Premier Savings | PNC High Yield Savings |
| 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- | iOS4.9 Android4.6 |
| Zelle® Support | Not Supported | Available Limit: $2,000/dayCentral to Virtual Wallet suite. |
| BBB Rating | A+ | A+ |
| Important Notes | - | Eligibility restricted to select states. |
| Next Steps | Visit SiteVerify at Colorado Federal Savings Bank Non-sponsored link to official site | Visit SiteVerify at PNC Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Colorado Federal Savings Bank | PNC | ||
|---|---|---|---|---|
| Premier Savings | High Yield Savings | PNC High Yield Savings | Standard Savings | |
Current APY | 4.05% | 4.00% | 3.30% | 0.03% |
Trend | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | -2.7 | -2.7 | -5.6 | 0.2 |
Days Since Change | 89 | 89 | 21 | 251 |
10-Month High | 4.25% | 4.25% | 3.95% | 0.03% |
10-Month Low | 4.05% | 4.00% | 3.30% | 0.01% |
Adjustments / Mo | 0.19 | 0.39 | 0.39 | 0.10 |
Volatility Score | 0.022 | 0.022 | 0.057 | 0.289 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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