Colorado Federal Savings Bank vs. Popular Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Colorado Federal Savings BankPremier Savings Jan 7, 2026 | Popular DirectPopular Direct Select Savings Jan 7, 2026 |
|---|---|---|
| APY | 4.05% | 3.90% |
Est. Earnings | $5,000+$0 $10,000+$0 $25,000+$0 | $5,000+$195 $10,000+$390 $25,000+$975 |
Min Deposit | $50,000 | $100 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredHigh MinimumGreat iOS App | FDIC InsuredLow Minimums |
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. Popular Direct
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 Popular Direct's 3.90% APY for its Popular Direct Select Savings account, with a minimum balance of $0.01.
Colorado Federal Savings Bank pays $15 more than Popular Direct on a $10,000 balance after one year. Colorado Federal Savings Bank pays $405, while Popular Direct pays $390 - 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?
- ✓Higher potential APY (4.00%-4.05% vs 3.90%)
- ✓Higher rated iOS app (4.3 vs 1.3)
- ✓Offers 2 different high-yield savings options
Why Popular Direct?
No distinct advantages found vs Colorado Federal Savings Bank.
— Key Feature Differences —
Better Returns at $10,000
Popular DirectPopular Direct's Popular Direct Select Savings earns more on smaller deposits (approx. $390 vs $0/yr).
Better Returns at $25,000
Popular DirectPopular Direct's Popular Direct Select Savings pulls ahead with larger amounts (approx. $975 vs $0/yr).
Shared Benefits
Over a 1-year period, Colorado Federal Savings Bank's Premier Savings pays $15 more interest on a $10,000 balance than Popular Direct's Popular Direct Select 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 High Yield Savings account with a competitive APY of 4.00%, which is slightly higher than its Premier Savings account at 4.05% for deposits of $50,000 or more. Both accounts are online-only and require no direct deposit, with a minimum deposit of $1 for the High Yield Savings account. In comparison, Popular Direct features the Popular Direct Select Savings account with an APY of 3.90%, which is lower than Colorado Federal's offerings. Although Popular Direct provides better returns at higher deposit levels, Colorado Federal's highest APY remains superior for smaller amounts.
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. Popular Direct Savings Calculator
You earn $75 more with Colorado Federal Savings Bank than Popular Direct 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
Popular Direct
Popular Direct Select Savings
Savings Breakdown
- Interest Earned+$1,950.00(3.8%)
- Total Contributions$0
- Initial Deposit$50,000
Projected Balance
$51,950.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Colorado Federal Savings Bank | Popular Direct |
|---|---|---|
| APY | 4.05% Verified: 1/7/2026 ↘︎ 0.10%90d Change | 3.90% Verified: 1/7/2026 ↘︎ 0.15%90d Change |
| Product Name | Premier Savings | Popular Direct Select Savings |
| Minimum Deposit | $50,000 | $100 |
| Min. Balance for APY | $50,000 | $0.01 |
| 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- | iOS1.3 Android1.3 |
| 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 Popular Direct Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Colorado Federal Savings Bank | Popular Direct | |
|---|---|---|---|
| Premier Savings | High Yield Savings | Popular Direct Select Savings | |
Current APY | 4.05% | 4.00% | 3.90% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -2.6 | -2.6 | -1.7 |
Days Since Change | 89 | 89 | 23 |
11-Month High | 4.25% | 4.25% | 4.30% |
11-Month Low | 4.05% | 4.00% | 3.90% |
Adjustments / Mo | 0.19 | 0.37 | 0.65 |
Volatility Score | 0.022 | 0.022 | 0.019 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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