Colorado Federal Savings Bank vs. Quontic 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 | Quontic BankHigh Yield Savings Jan 7, 2026 |
|---|---|---|
| APY | 4.05% | 3.50% |
Est. Earnings | $5,000+$0 $10,000+$0 $25,000+$0 | $5,000+$175 $10,000+$350 $25,000+$875 |
Min Deposit | $50,000 | $100 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredHigh MinimumGreat iOS App | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppZelle® 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. Quontic 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 Quontic Bank's 3.50% APY for its High Yield Savings account, with a minimum balance of $0.
Colorado Federal Savings Bank pays $55 more than Quontic Bank on a $10,000 balance after one year. Colorado Federal Savings Bank pays $405, while Quontic Bank pays $350 - 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 3.50%)
- ✓Offers 2 different high-yield savings options
Why Quontic Bank?
- ✓Higher rated iOS app (4.8 vs 4.3)
- ✓Higher rated Android app (4.9 vs 0.0)
- ✓Fast transfers via Zelle® (up to $1,000 a day)
— Key Feature Differences —
Better Returns at $10,000
Quontic BankQuontic Bank's High Yield Savings earns more on smaller deposits (approx. $350 vs $0/yr).
Better Returns at $25,000
Quontic BankQuontic Bank's High Yield Savings pulls ahead with larger amounts (approx. $875 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
Quontic BankQuontic Bank offers an iOS app rated 4.8 (vs. 4.3) and Android app rated 4.9 (vs. 0.0)
Shared Benefits
Over a 1-year period, Colorado Federal Savings Bank's Premier Savings pays $55 more interest on a $10,000 balance than Quontic Bank's 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 a strong choice for savers. Additionally, their Premier Savings account provides a slightly higher APY of 4.05%, but requires a minimum deposit of $50,000. In contrast, Quontic Bank's High Yield Savings account yields a lower APY of 3.50% with a minimum deposit of $100. While Quontic Bank excels in mobile app experience and offers better returns at larger deposit amounts, Colorado Federal's higher APY and no minimum balance requirement for its High Yield Savings account position it as the more attractive option for general savings.
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. Quontic Bank Savings Calculator
You earn $275 more with Colorado Federal Savings Bank than Quontic 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
Quontic Bank
High Yield Savings
Savings Breakdown
- Interest Earned+$1,750.00(3.4%)
- Total Contributions$0
- Initial Deposit$50,000
Projected Balance
$51,750.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Colorado Federal Savings Bank | Quontic Bank |
|---|---|---|
| APY | 4.05% Verified: 1/7/2026 ↘︎ 0.10%90d Change | 3.50% Verified: 1/7/2026 ↘︎ 0.25%90d Change |
| Product Name | Premier Savings | High Yield Savings |
| Minimum Deposit | $50,000 | $100 |
| Min. Balance for APY | $50,000 | $0 |
| 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 Android4.9 |
| Zelle® Support | Not Supported | Available Limit: $1,000/dayDigital-first bank with full native support. |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Colorado Federal Savings Bank Non-sponsored link to official site | Visit SiteGo to Quontic Bank * Secure link to our partner |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Colorado Federal Savings Bank | Quontic Bank | |
|---|---|---|---|
| Premier Savings | High Yield Savings | High Yield Savings | |
Current APY | 4.05% | 4.00% | 3.50% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -2.6 | -2.6 | -1.7 |
Days Since Change | 89 | 89 | 8 |
11-Month High | 4.25% | 4.25% | 3.85% |
11-Month Low | 4.05% | 4.00% | 3.50% |
Adjustments / Mo | 0.19 | 0.37 | 0.19 |
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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