Colorado Federal Savings Bank vs. Synchrony Bank
Comparing Colorado Federal Savings Bank and Synchrony Bank for high-yield savings: Colorado Federal Savings Bank's Premier Savings pays 4.05% APY while Synchrony Bank's High Yield Savings pays 3.50% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Synchrony Bank pays $350 more than Colorado Federal Savings Bank annually ($350 vs $0).
Choose Synchrony Bank if getting the best rate matters most, or you're an Android user (no Android app for Colorado Federal Savings Bank).
| Metric | Colorado Federal Savings BankPremier Savings Feb 21, 2026 | Synchrony BankHigh Yield Savings Feb 21, 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 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredHigh MinimumGreat iOS AppDaily CompoundingStable Rate | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.15% APY.
Comparison Analysis
Comparing Colorado Federal Savings Bank vs. Synchrony Bank
Executive Summary
Colorado Federal Savings Bank offers a Premier Savings account with a competitive APY of 4.05%, making it the top choice for savers seeking simplicity without any direct deposit requirements or maintenance fees. In contrast, Synchrony Bank's High Yield Savings account provides a lower APY of 3.50% but is notable for its accessibility, requiring no minimum deposit or balance. While Synchrony Bank excels in mobile app experience and offers better returns on larger deposits, Colorado Federal Savings Bank stands out for its higher yield on savings.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Colorado Federal Savings Bank?
- ✓Higher potential APY (4.00%-4.05% vs 3.50%)
- ✓Offers 2 different high-yield savings options
Why Synchrony Bank?
- ✓Higher rated iOS app (4.8 vs 4.4)
- ✓Higher rated Android app (4.5 vs 0.0)
— Key Feature Differences —
Better Returns at $10,000
Synchrony BankSynchrony Bank's High Yield Savings earns more on smaller deposits (approx. $350 vs $0/yr).
Better Returns at $25,000
Synchrony BankSynchrony 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
Synchrony BankSynchrony Bank offers an iOS app rated 4.8 (vs. 4.4) and Android app rated 4.5 (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 Synchrony Bank's High Yield Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Colorado Federal Savings Bank vs. Synchrony Bank Savings Calculator
You earn $275 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+$1,750.00(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 | Synchrony Bank |
|---|---|---|
| APY | 4.05% Verified: 2/21/2026 Stable (90d) | 3.50% Verified: 2/21/2026 ↘︎ 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 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | None | N/A |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.4 Android- | |
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| 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% | 3.50% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -2.4 | -2.4 | -3.9 |
Days Since Change | 134 | 134 | 25 |
12-Month High | 4.25% | 4.25% | 4.00% |
12-Month Low | 4.05% | 4.00% | 3.50% |
Adjustments / Mo | 0.16 | 0.33 | 0.25 |
Volatility Score | 0.022 | 0.023 | 0.040 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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