Colorado Federal Savings Bank vs. Synchrony 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 | Synchrony BankHigh Yield Savings Jan 7, 2026 |
|---|---|---|
| APY | 4.05% | 3.65% |
Est. Earnings | $5,000+$0 $10,000+$0 $25,000+$0 | $5,000+$183 $10,000+$365 $25,000+$912 |
Min Deposit | $50,000 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredHigh MinimumGreat iOS App | FDIC InsuredNo 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. Synchrony 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 Synchrony Bank's 3.65% APY for its High Yield Savings account, with a minimum balance of $0.
Colorado Federal Savings Bank pays $40 more than Synchrony Bank on a $10,000 balance after one year. Colorado Federal Savings Bank pays $405, while Synchrony Bank pays $365 - 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 3.65%)
- ✓Offers 2 different high-yield savings options
Why Synchrony Bank?
- ✓Higher rated iOS app (4.8 vs 4.3)
- ✓Higher rated Android app (4.4 vs 0.0)
— Key Feature Differences —
Better Returns at $10,000
Synchrony BankSynchrony Bank's High Yield Savings earns more on smaller deposits (approx. $365 vs $0/yr).
Better Returns at $25,000
Synchrony BankSynchrony Bank's High Yield Savings pulls ahead with larger amounts (approx. $912 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
Synchrony BankSynchrony Bank offers an iOS app rated 4.8 (vs. 4.3) and Android app rated 4.4 (vs. 0.0)
Shared Benefits
Over a 1-year period, Colorado Federal Savings Bank's Premier Savings pays $40 more interest on a $10,000 balance than Synchrony 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 High Yield Savings account with an APY of 4.00%, making it a strong choice for savers, especially given its no minimum balance requirement and lack of maintenance fees. Additionally, their Premier Savings account yields 4.05% APY but requires a minimum deposit of $50,000. In comparison, Synchrony Bank's High Yield Savings account provides a lower APY of 3.65%, but it has no minimum deposit requirement and is also fee-free. While Colorado Federal Savings Bank has the higher APY, Synchrony Bank excels with better mobile app ratings and offers competitive returns for varying deposit 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
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Top Market Contenders
Colorado Federal Savings Bank vs. Synchrony Bank Savings Calculator
You earn $200 more with Colorado Federal Savings Bank than Synchrony 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
Synchrony Bank
High Yield Savings
Savings Breakdown
- Interest Earned+$1,825.00(3.5%)
- Total Contributions$0
- Initial Deposit$50,000
Projected Balance
$51,825.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Colorado Federal Savings Bank | Synchrony Bank |
|---|---|---|
| APY | 4.05% Verified: 1/7/2026 ↘︎ 0.10%90d Change | 3.65% Verified: 1/7/2026 ↘︎ 0.15%90d Change |
| Product Name | Premier Savings | High Yield Savings |
| Minimum Deposit | $50,000 | $0 |
| 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 Android4.4 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | Not Rated |
| Next Steps | Visit SiteVerify at Colorado Federal Savings Bank Non-sponsored link to official site | Visit SiteVerify at Synchrony Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Colorado Federal Savings Bank | Synchrony Bank | |
|---|---|---|---|
| Premier Savings | High Yield Savings | High Yield Savings | |
Current APY | 4.05% | 4.00% | 3.65% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -2.6 | -2.6 | -3.5 |
Days Since Change | 89 | 89 | 50 |
11-Month High | 4.25% | 4.25% | 4.00% |
11-Month Low | 4.05% | 4.00% | 3.65% |
Adjustments / Mo | 0.19 | 0.37 | 0.19 |
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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