Colorado Federal Savings Bank vs. Wealthfront
Comparing Colorado Federal Savings Bank and Wealthfront for high-yield savings: Colorado Federal Savings Bank's Premier Savings pays 4.05% APY while Wealthfront's Cash Account pays 3.95% APY (including a 3-month 0.65% promo boost).
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Wealthfront pays $346 more than Colorado Federal Savings Bank annually ($346 vs $0).
Choose Colorado Federal Savings Bank if you want a no-strings-attached account, you want to avoid a promo rate with a scheduled drop, or BBB rating matters to you. Choose Wealthfront if getting the best rate matters most, or you're an Android user (no Android app for Colorado Federal Savings Bank).
Important Considerations
The key difference? Wealthfront's 3.95% rate includes a promotional bonus for the first 3 months, after which it reverts to the standard rate (currently 3.30%). Colorado Federal Savings Bank's 4.05% rate has no scheduled drop, though all rates are subject to change.
| Metric | Colorado Federal Savings BankPremier Savings Feb 21, 2026 | WealthfrontCash Account Feb 21, 2026 |
|---|---|---|
| APY | 4.05% | 3.30% - 3.95% |
Est. Earnings | $5,000+$0 $10,000+$0 $25,000+$0 | $5,000+$173 $10,000+$346 $25,000+$866 |
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 3.95% for 3 months, after which the 3.30% APY applies. See terms at Wealthfront. |
| Features | FDIC InsuredHigh MinimumGreat iOS AppDaily CompoundingStable Rate | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.15% APY.
Comparison Analysis
Comparing Colorado Federal Savings Bank vs. Wealthfront
Executive Summary
Colorado Federal Savings Bank offers a High Yield Savings account with a competitive APY of 4.00%, alongside a Premier Savings account yielding 4.05% but requiring a minimum deposit of $50,000. In contrast, Wealthfront's Cash Account provides an initial APY of 3.95% for new clients, which drops to 3.30% after three months, with no minimum deposit required. Both banks operate online only and have no maintenance fees. While Wealthfront's account is more accessible for smaller deposits, Colorado Federal's Premier Savings offers a higher yield for larger balances, making it the winner based on the highest APY available.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Colorado Federal Savings Bank?
- ✓Offers 2 different high-yield savings options
Why Wealthfront?
- ✓Higher rated iOS app (4.8 vs 4.4)
- ✓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. $346 vs $0/yr).
Better Returns at $25,000
WealthfrontWealthfront's Cash Account pulls ahead with larger amounts (approx. $866 vs $0/yr).
Best Mobile App Experience
WealthfrontWealthfront offers an iOS app rated 4.8 (vs. 4.4) and Android app rated 4.9 (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 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.
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 $287.7 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: 3.95% for 3 months, then 3.30%.
Savings Breakdown
- Interest Earned+$1,737.30(3.4%)
- Total Contributions$0
- Initial Deposit$50,000
Projected Balance
$51,737.30
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: 2/21/2026 Stable (90d) | 3.95% Range: 3.30% - 3.95% Verified: 2/21/2026 ↘︎ 0.20%90d Change |
| Product Name | Premier Savings | Cash Account |
| Minimum Deposit | $50,000 | $0 |
| Min. Balance for APY | $50,000 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | None | None |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.4 Android- | |
| FDIC Insured | YesVerify FDIC | Yes |
| 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 3.95% for 3 months, after which the 3.30% 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% | 3.95% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | 0.0 | 0.0 | -8.6 |
Days Since Change | 100 | 100 | 22 |
3-Month High | 4.05% | 4.00% | 4.15% |
3-Month Low | 4.05% | 4.00% | 3.90% |
Adjustments / Mo | 0.00 | 0.00 | 0.60 |
Volatility Score | 0.000 | 0.000 | 0.028 |
How to read these metrics(Click to expand)
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