Colorado Federal Savings Bank vs. UFB Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Colorado Federal Savings BankPremier Savings Jan 7, 2026 | UFB DirectUFB Checking and Savings Bundle Jan 7, 2026 |
|---|---|---|
| APY | 4.05% | 3.26% - 3.46% |
Est. Earnings | $5,000+$0 $10,000+$0 $25,000+$0 | $5,000+$163 $10,000+$346 $25,000+$865 |
Min Deposit | $50,000 | $5000 |
Snapshot view. Rates subject to change. | ||
Terms | - | The regular savings or money market APY may be boosted up to 3.46% by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. The checking account earns 2% APY. See bank for full details. |
| Features | FDIC InsuredHigh MinimumGreat iOS App | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppDirect Deposit ReqChecking 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. UFB Direct
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 UFB Direct's 3.46% APY for its UFB Checking and Savings Bundle account, with a minimum balance of $10,000.
Colorado Federal Savings Bank pays $59 more than UFB Direct on a $10,000 balance after one year. Colorado Federal Savings Bank pays $405, while UFB Direct pays $346 - 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, while UFB Direct offers 3.26% APY for the UFB Portfolio Savings account, with a minimum balance of $0.
Why Colorado Federal Savings Bank?
- ✓Higher potential APY (4.00%-4.05% vs 3.26%-3.46%)
Why UFB Direct?
- ✓Offers 2.00% APY on Checking Account in addition to the savings APY
- ✓Access to over 90,000 fee-free ATMs
- ✓Higher rated iOS app (4.8 vs 4.3)
- ✓Higher rated Android app (4.3 vs 0.0)
— Key Feature Differences —
Better Returns at $10,000
UFB DirectUFB Direct's UFB Checking and Savings Bundle earns more on smaller deposits (approx. $346 vs $0/yr).
Better Returns at $25,000
UFB DirectUFB Direct's UFB Checking and Savings Bundle pulls ahead with larger amounts (approx. $865 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 for All-in-One Banking
UFB DirectUFB Direct's UFB Checking and Savings Bundle pays a superior APY for customers who also open a checking account.
Best Mobile App Experience
UFB DirectUFB Direct offers an iOS app rated 4.8 (vs. 4.3) and Android app rated 4.3 (vs. 0.0)
Shared Benefits
Over a 1-year period, Colorado Federal Savings Bank's Premier Savings pays $59 more interest on a $10,000 balance than UFB Direct's UFB Checking and Savings Bundle.
*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 a competitive APY of 4.00%, making it a strong choice for savers looking for simplicity and no direct deposit requirement. Alternatively, their Premier Savings account provides a slightly higher APY of 4.05% but requires a minimum deposit of $50,000. In comparison, UFB Direct's UFB Portfolio Savings account has a lower APY of 3.26% and is designed for online-only access with no minimum deposit or balance required. UFB Direct also has a checking and savings bundle that can yield up to 3.46% APY with specific conditions, including a checking account and direct deposits. Overall, Colorado Federal Savings Bank stands out with its higher APY offerings.
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. UFB Direct Savings Calculator
You earn $295 more with Colorado Federal Savings Bank than UFB Direct 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
UFB Direct
UFB Checking and Savings Bundle
Savings Breakdown
- Interest Earned+$1,730.00(3.3%)
- Total Contributions$0
- Initial Deposit$50,000
Projected Balance
$51,730.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Colorado Federal Savings Bank | UFB Direct |
|---|---|---|
| APY | 4.05% Verified: 1/7/2026 ↘︎ 0.10%90d Change | 3.46% Range: 3.26% - 3.46% Verified: 1/7/2026 ↘︎ 0.50%90d Change |
| Product Name | Premier Savings | UFB Checking and Savings Bundle |
| Minimum Deposit | $50,000 | $5000 |
| Min. Balance for APY | $50,000 | $10,000 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | Required |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS4.3 Android- | iOS4.8 Android4.3 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Important Notes | - | The regular savings or money market APY may be boosted up to 3.46% by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. The checking account earns 2% APY. See bank for full details. |
| Next Steps | Visit SiteVerify at Colorado Federal Savings Bank Non-sponsored link to official site | Visit SiteGo to UFB Direct * Secure link to our partner |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Colorado Federal Savings Bank | UFB Direct | ||
|---|---|---|---|---|
| Premier Savings | High Yield Savings | UFB Checking and Savings Bundle | UFB Portfolio Savings | |
Current APY | 4.05% | 4.00% | 3.46% | 3.26% |
Trend | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | -2.6 | -2.6 | -6.4 | -6.4 |
Days Since Change | 89 | 89 | 1 | 1 |
11-Month High | 4.25% | 4.25% | 4.21% | 4.01% |
11-Month Low | 4.05% | 4.00% | 3.46% | 3.26% |
Adjustments / Mo | 0.19 | 0.37 | 0.46 | 0.46 |
Volatility Score | 0.022 | 0.022 | 0.060 | 0.064 |
How to read these metrics(Click to expand)
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