Colorado Federal Savings Bank vs. Wealthfront
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Colorado Federal Savings BankPremier Savings Jan 7, 2026 | WealthfrontCash Account Jan 7, 2026 |
|---|---|---|
| APY | 4.05% | 3.25% - 3.90% |
Est. Earnings | $5,000+$0 $10,000+$0 $25,000+$0 | $5,000+$171 $10,000+$341 $25,000+$853 |
Min Deposit | $50,000 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get an APY of 3.90% for 3 months, after which the 3.25% APY applies. See terms at Wealthfront. |
| Features | FDIC InsuredHigh MinimumGreat iOS App | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App |
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. Wealthfront
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 Wealthfront's 3.90% APY for its Cash Account, with a minimum balance of $0.
Colorado Federal Savings Bank pays $64 more than Wealthfront on a $10,000 balance after one year. Colorado Federal Savings Bank pays $405, while Wealthfront pays $341 (with an effective APY of 3.41%) - 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 3.90%)
- ✓Offers 2 different high-yield savings options
Why Wealthfront?
- ✓Higher rated iOS app (4.8 vs 4.3)
- ✓Higher rated Android app (4.9 vs 0.0)
— Key Feature Differences —
Better Returns at $10,000
WealthfrontWealthfront's Cash Account earns more on smaller deposits (approx. $341 vs $0/yr).
Better Returns at $25,000
WealthfrontWealthfront's Cash Account pulls ahead with larger amounts (approx. $853 vs $0/yr).
Best Mobile App Experience
WealthfrontWealthfront offers an iOS app rated 4.8 (vs. 4.3) and Android app rated 4.9 (vs. 0.0)
Shared Benefits
Over a 1-year period, Colorado Federal Savings Bank's Premier Savings pays $64 more interest on a $10,000 balance than Wealthfront's Cash Account.
*This comparison accounts for Wealthfront'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 High Yield Savings account with a competitive APY of 4.00%, making it the top choice among its products. This account has no minimum balance requirement and is online-only, allowing easy access for savers. In comparison, Wealthfront's Cash Account provides an introductory APY of 3.90% for the first three months, which then drops to 3.25%. While Wealthfront's account is appealing for its lower minimum deposit and strong mobile app experience, Colorado Federal's higher APY positions it as the better option for savers looking for maximum returns.
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. Wealthfront Savings Calculator
You earn $312.7 more with Colorado Federal Savings Bank than Wealthfront 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
Wealthfront
Cash Account
Promo Rate: 3.90% for 3 months, then 3.25%.
Savings Breakdown
- Interest Earned+$1,712.30(3.3%)
- Total Contributions$0
- Initial Deposit$50,000
Projected Balance
$51,712.30
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Colorado Federal Savings Bank | Wealthfront |
|---|---|---|
| APY | 4.05% Verified: 1/7/2026 ↘︎ 0.10%90d Change | 3.90% Range: 3.25% - 3.90% Verified: 1/7/2026 - |
| Product Name | Premier Savings | Cash Account |
| Minimum Deposit | $50,000 | $0 |
| 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- | iOS4.8 Android4.9 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | F |
| Important Notes | - | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get an APY of 3.90% for 3 months, after which the 3.25% APY applies. See terms at Wealthfront. |
| Next Steps | Visit SiteVerify at Colorado Federal Savings Bank Non-sponsored link to official site | Visit SiteVerify at Wealthfront Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Colorado Federal Savings Bank | Wealthfront | |
|---|---|---|---|
| Premier Savings | High Yield Savings | Cash Account | |
Current APY | 4.05% | 4.00% | 3.90% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -0.0 | 0.0 | -18.8 |
Days Since Change | 55 | 55 | 19 |
2-Month High | 4.05% | 4.00% | 4.15% |
2-Month Low | 4.05% | 4.00% | 3.90% |
Adjustments / Mo | 0.00 | 0.00 | 0.54 |
Volatility Score | 0.000 | 0.000 | 0.030 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare Colorado Federal Savings Bank vs...
Comparing against Standard Savings
Compare Wealthfront vs...
Comparing against Standard Savings
High Rates (With Checking Bundle)
Looking for something different? Check out these top-rated alternatives.