Colorado Federal Savings Bank vs. Presidential 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 | Presidential BankAdvantage Savings Jan 7, 2026 |
|---|---|---|
| APY | 4.05% | 3.25% - 3.75% |
Est. Earnings | $5,000+$0 $10,000+$0 $25,000+$0 | $5,000+$188 $10,000+$375 $25,000+$938 |
Min Deposit | $50,000 | $5,000 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredHigh MinimumGreat iOS App | FDIC InsuredMod. MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedDirect Deposit ReqChecking Bundle |
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. Presidential 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 Presidential Bank's 3.75% APY for its Advantage Savings account, with a minimum balance of N/A.
Colorado Federal Savings Bank pays $30 more than Presidential Bank on a $10,000 balance after one year. Colorado Federal Savings Bank pays $405, while Presidential Bank pays $375 - 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 3.75%)
- ✓No checking account or direct deposit required
- ✓Offers 2 different high-yield savings options
Why Presidential Bank?
- ✓Physical branch access (10 locations in Maryland, Virginia and Washington D.C.)
- ✓Higher rated iOS app (4.8 vs 4.3)
- ✓Higher rated Android app (4.2 vs 0.0)
- ✓Fast transfers via Zelle®
— Key Feature Differences —
Better Returns at $10,000
Presidential BankPresidential Bank's Advantage Savings earns more on smaller deposits (approx. $375 vs $0/yr).
Better Returns at $25,000
Presidential BankPresidential Bank's Advantage Savings pulls ahead with larger amounts (approx. $938 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 for All-in-One Banking
Presidential BankPresidential Bank's Advantage Savings pays a superior APY for customers who also open a checking account.
Best Mobile App Experience
Presidential BankPresidential Bank offers an iOS app rated 4.8 (vs. 4.3) and Android app rated 4.2 (vs. 0.0)
Shared Benefits
Over a 1-year period, Colorado Federal Savings Bank's Premier Savings pays $30 more interest on a $10,000 balance than Presidential Bank's Advantage 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%, making it a strong choice for savers looking for simplicity, as it does not require direct deposit or a minimum balance. In contrast, Presidential Bank's Advantage Savings account provides a lower APY of 3.75%, but it requires a monthly direct deposit into an Advantage Checking Account to earn the higher rates. While Presidential Bank has a better mobile app experience, Colorado Federal's straightforward terms and higher APY make it the preferable option for those prioritizing yield without additional conditions.
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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Top Market Contenders
Colorado Federal Savings Bank vs. Presidential Bank Savings Calculator
You earn $150 more with Colorado Federal Savings Bank than Presidential 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
Presidential Bank
Advantage Savings
Savings Breakdown
- Interest Earned+$1,875.00(3.6%)
- Total Contributions$0
- Initial Deposit$50,000
Projected Balance
$51,875.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Colorado Federal Savings Bank | Presidential Bank |
|---|---|---|
| APY | 4.05% Verified: 1/7/2026 ↘︎ 0.10%90d Change | 3.75% Range: 3.25% - 3.75% Verified: 1/7/2026 ↘︎ 0.75%90d Change |
| Product Name | Premier Savings | Advantage Savings |
| Minimum Deposit | $50,000 | $5,000 |
| Min. Balance for APY | $50,000 | N/A |
| Monthly Fee | $0 | $0 |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | RequiredTo earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500. |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS4.3 Android- | iOS4.8 Android4.2 |
| Zelle® Support | Not Supported | Available Native integration; Advantage Savings supports Zelle. |
| BBB Rating | A+ | A- |
| Next Steps | Visit SiteVerify at Colorado Federal Savings Bank Non-sponsored link to official site | Visit SiteVerify at Presidential Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Colorado Federal Savings Bank | Presidential Bank | |
|---|---|---|---|
| Premier Savings | High Yield Savings | Advantage Savings | |
Current APY | 4.05% | 4.00% | 3.75% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -2.6 | -2.6 | -5.4 |
Days Since Change | 89 | 89 | 21 |
11-Month High | 4.25% | 4.25% | 4.50% |
11-Month Low | 4.05% | 4.00% | 3.75% |
Adjustments / Mo | 0.19 | 0.37 | 0.28 |
Volatility Score | 0.022 | 0.022 | 0.057 |
How to read these metrics(Click to expand)
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