Colorado Federal Savings Bank vs. TIMBR
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Colorado Federal Savings BankPremier Savings Jan 7, 2026 | TIMBRPremium Savings Account Jan 7, 2026 |
|---|---|---|
| APY | 4.05% | 4.40% |
Est. Earnings | $5,000+$0 $10,000+$0 $25,000+$0 | $5,000+$220 $10,000+$440 $25,000+$1,100 |
Min Deposit | $50,000 | $1,000 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredHigh MinimumGreat iOS App | FDIC InsuredLow Minimums |
Prefer In-Person Banking?
Both of these banks are online-only. If you need physical branch access, check out our list of high-yield accounts with brick-and-mortar locations.
Comparison Analysis
Comparing Colorado Federal Savings Bank vs. TIMBR
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 TIMBR's 4.40% APY for its Premium Savings Account, with a minimum balance of $0.
TIMBR pays $35 more than Colorado Federal Savings Bank on a $10,000 balance after one year. Colorado Federal Savings Bank pays $405, while TIMBR pays $440 - an APY advantage for TIMBR.
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 rated iOS app (4.3 vs 0.0)
- ✓Offers 2 different high-yield savings options
Why TIMBR?
- ✓Higher potential APY (4.40% vs 4.00%-4.05%) on all balances
— Key Feature Differences —
Better Returns at $10,000
TIMBRTIMBR's Premium Savings Account earns more on smaller deposits (approx. $440 vs $0/yr).
Better Returns at $25,000
TIMBRTIMBR's Premium Savings Account pulls ahead with larger amounts (approx. $1100 vs $0/yr).
Best for Simplicity
TIMBRTIMBR's Premium Savings Account offers 4.40% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, TIMBR's Premium Savings Account pays $35 more interest on a $10,000 balance than Colorado Federal Savings Bank's Premier Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
TIMBR offers a competitive Premium Savings Account with an APY of 4.40%, making it the standout choice compared to Colorado Federal Savings Bank's High Yield Savings account, which has an APY of 4.00%. Both accounts are online-only and have no maintenance fees, but TIMBR's account provides better returns even on smaller deposits. Colorado Federal's Premier Savings account offers a slightly higher APY of 4.05% but requires a minimum deposit of $50,000, making it less accessible. Both banks do not require direct deposit, enhancing their flexibility.
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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Colorado Federal Savings Bank vs. TIMBR Savings Calculator
You earn $175 more with TIMBR than Colorado Federal Savings 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
TIMBR
Premium Savings Account
Savings Breakdown
- Interest Earned+$2,200.00(4.2%)
- Total Contributions$0
- Initial Deposit$50,000
Projected Balance
$52,200.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Colorado Federal Savings Bank | TIMBR |
|---|---|---|
| APY | 4.05% Verified: 1/7/2026 ↘︎ 0.10%90d Change | 4.40% Verified: 1/7/2026 Stable (90d) |
| Product Name | Premier Savings | Premium Savings Account |
| Minimum Deposit | $50,000 | $1,000 |
| 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- | iOS- Android- |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Colorado Federal Savings Bank Non-sponsored link to official site | Visit SiteVerify at TIMBR Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Colorado Federal Savings Bank | TIMBR | |
|---|---|---|---|
| Premier Savings | High Yield Savings | Premium Savings Account | |
Current APY | 4.05% | 4.00% | 4.40% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -2.6 | -2.6 | -1.1 |
Days Since Change | 89 | 89 | 268 |
11-Month High | 4.25% | 4.25% | 4.55% |
11-Month Low | 4.05% | 4.00% | 4.40% |
Adjustments / Mo | 0.19 | 0.37 | 0.09 |
Volatility Score | 0.022 | 0.022 | 0.012 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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