Colorado Federal Savings Bank vs. Valley 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 | Valley DirectHigh-Yield Savings Account Jan 7, 2026 |
|---|---|---|
| APY | 4.05% | 3.40% - 4.00% |
Est. Earnings | $5,000+$0 $10,000+$0 $25,000+$0 | $5,000+$200 $10,000+$400 $25,000+$1,000 |
Min Deposit | $50,000 | $1,000 |
Snapshot view. Rates subject to change. | ||
Terms | - | Promo rate for new customers. 3.40% APY applies to existing customers. |
| Features | FDIC InsuredHigh MinimumGreat iOS App | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported |
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. Valley 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 Valley Direct's 4.00% APY for its High-Yield Savings Account, with a minimum balance of $0.01.
Colorado Federal Savings Bank pays $5 more than Valley Direct on a $10,000 balance after one year. Colorado Federal Savings Bank pays $405, while Valley Direct pays $400 - 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?
- ✓Offers 2 different high-yield savings options
- ✓Available to New & Existing Customers
Why Valley Direct?
- ✓Higher rated iOS app (4.8 vs 4.3)
- ✓Higher rated Android app (4.6 vs 0.0)
- ✓Fast transfers via Zelle®
— Key Feature Differences —
Better Returns at $10,000
Valley DirectValley Direct's High-Yield Savings Account earns more on smaller deposits (approx. $400 vs $0/yr).
Better Returns at $25,000
Valley DirectValley Direct's High-Yield Savings Account pulls ahead with larger amounts (approx. $1000 vs $0/yr).
Best Mobile App Experience
Valley DirectValley Direct offers an iOS app rated 4.8 (vs. 4.3) and Android app rated 4.6 (vs. 0.0)
Shared Benefits
Over a 1-year period, Colorado Federal Savings Bank's Premier Savings pays $5 more interest on a $10,000 balance than Valley Direct's High-Yield Savings Account.
*This comparison accounts for Valley Direct's introductory promotional rate, yet Colorado Federal Savings Bank's standard rate still yields a higher 1-year return.
Executive Summary as of
Colorado Federal Savings Bank offers a competitive High Yield Savings account with an APY of 4.00%, requiring a minimum deposit of just $1 and no maintenance fees, making it accessible for all customers. In contrast, Valley Direct's High-Yield Savings Account also boasts an APY of 4.00%, but it requires a minimum deposit of $1,000 and is available to new customers only; existing customers receive a lower rate of 3.40%. Both accounts are online-only, and while Colorado Federal's account is straightforward, Valley Direct provides a better mobile app experience. Overall, both banks present comparable rates, but Colorado Federal's lower minimum deposit may appeal more to new 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
Non-sponsored link to official site
Top Market Contenders
Colorado Federal Savings Bank vs. Valley Direct Savings Calculator
You earn $25 more with Colorado Federal Savings Bank than Valley 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
Valley Direct
High-Yield Savings Account
Promo Rate: 4.00% for 12 months, then 3.40%.
Savings Breakdown
- Interest Earned+$2,000.00(3.8%)
- Total Contributions$0
- Initial Deposit$50,000
Projected Balance
$52,000.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Colorado Federal Savings Bank | Valley Direct |
|---|---|---|
| APY | 4.05% Verified: 1/7/2026 ↘︎ 0.10%90d Change | 4.00% Range: 3.40% - 4.00% Verified: 1/7/2026 ↘︎ 0.10%90d Change |
| Product Name | Premier Savings | High-Yield Savings Account |
| Minimum Deposit | $50,000 | $1,000 |
| Min. Balance for APY | $50,000 | $0.01 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.3 Android- | iOS4.8 Android4.6 |
| Zelle® Support | Not Supported | Available Allows Zelle directly on HYSA. |
| BBB Rating | A+ | A+ |
| Important Notes | - | Promo rate for new customers. 3.40% APY applies to existing customers. |
| Next Steps | Visit SiteVerify at Colorado Federal Savings Bank Non-sponsored link to official site | Visit SiteVerify at Valley Direct Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Colorado Federal Savings Bank | Valley Direct | |
|---|---|---|---|
| Premier Savings | High Yield Savings | High-Yield Savings Account | |
Current APY | 4.05% | 4.00% | 4.00% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -2.6 | -2.6 | -1.8 |
Days Since Change | 89 | 89 | 26 |
11-Month High | 4.25% | 4.25% | 4.40% |
11-Month Low | 4.05% | 4.00% | 3.75% |
Adjustments / Mo | 0.19 | 0.37 | 0.75 |
Volatility Score | 0.022 | 0.022 | 0.035 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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