Colorado Federal Savings Bank vs. TD 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 | TD BankTD Signature Savings Jan 7, 2026 |
|---|---|---|
| APY | 4.05% | 0.05% - 2.60% |
Est. Earnings | $5,000+$0 $10,000+$0 $25,000+$0 | $5,000+$3 $10,000+$5 $25,000+$13 |
Min Deposit | $50,000 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | This is a tiered savings account where rates may vary on location and whether you're eligible for the Bump Rate. 2.60% is available when you link an eligible TD account and have a minimum balance of $100,000. Otherwise 0.05% is the maximum APY. |
| Features | FDIC InsuredHigh MinimumGreat iOS App | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedChecking 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. TD 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 TD Bank's 2.60% APY for its TD Signature Savings account, with a minimum balance of $100,000.
Colorado Federal Savings Bank pays $400 more than TD Bank on a $10,000 balance after one year. Colorado Federal Savings Bank pays $405, while TD Bank pays $5 (with an effective APY of 0.05%) - 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 2.60%)
- ✓No checking account or direct deposit required
- ✓Offers 2 different high-yield savings options
Why TD Bank?
- ✓Physical branch access (Multiple branches in CT, DE, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA, DC)
- ✓Higher rated iOS app (4.8 vs 4.3)
- ✓Higher rated Android app (4.1 vs 0.0)
- ✓Fast transfers via Zelle® (up to $1,000 a day)
— Key Feature Differences —
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
TD BankTD Bank offers an iOS app rated 4.8 (vs. 4.3) and Android app rated 4.1 (vs. 0.0)
Shared Benefits
Over a 1-year period, Colorado Federal Savings Bank's Premier Savings pays $400 more interest on a $10,000 balance than TD Bank's TD Signature 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 the standout choice between the two banks. This online-only account requires a minimum deposit of just $1 and has no maintenance fees or direct deposit requirements. In contrast, TD Bank's TD Signature Savings account provides a lower APY of 2.60%, available only with a minimum balance of $100,000 and linking to an eligible TD account. While TD Bank excels in mobile app experience, Colorado Federal Savings Bank's higher yield and straightforward terms make it the preferable option for savers.
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. TD Bank Savings Calculator
You earn $2,000 more with Colorado Federal Savings Bank than TD 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
TD Bank
TD Signature Savings
Higher APY requires $100,000
Savings Breakdown
- Interest Earned+$25.00(0.0%)
- Total Contributions$0
- Initial Deposit$50,000
Projected Balance
$50,025.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Colorado Federal Savings Bank | TD Bank |
|---|---|---|
| APY | 4.05% Verified: 1/7/2026 ↘︎ 0.10%90d Change | 2.60% Range: 0.05% - 2.60% Verified: 1/7/2026 ↘︎ 0.15%90d Change |
| Product Name | Premier Savings | TD Signature Savings |
| Minimum Deposit | $50,000 | $0 |
| Min. Balance for APY | $50,000 | $100,000 |
| Monthly Fee | $0 | $10. Waived under some circumstances. |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS4.3 Android- | iOS4.8 Android4.1 |
| Zelle® Support | Not Supported | Available Limit: $1,000/dayLimits increase for established or Private Client accounts. |
| BBB Rating | A+ | Not Rated |
| Important Notes | - | This is a tiered savings account where rates may vary on location and whether you're eligible for the Bump Rate. 2.60% is available when you link an eligible TD account and have a minimum balance of $100,000. Otherwise 0.05% is the maximum APY. |
| Next Steps | Visit SiteVerify at Colorado Federal Savings Bank Non-sponsored link to official site | Visit SiteVerify at TD Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Colorado Federal Savings Bank | TD Bank | |
|---|---|---|---|
| Premier Savings | High Yield Savings | TD Signature Savings | |
Current APY | 4.05% | 4.00% | 2.60% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -2.6 | -2.6 | -8.1 |
Days Since Change | 89 | 89 | 19 |
11-Month High | 4.25% | 4.25% | 3.51% |
11-Month Low | 4.05% | 4.00% | 2.60% |
Adjustments / Mo | 0.19 | 0.37 | 0.37 |
Volatility Score | 0.022 | 0.022 | 0.088 |
How to read these metrics(Click to expand)
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