Highest Savings Rates in Colorado
34 Colorado-specific accounts
Top Colorado Rate:4.15% APYFDIC or NCUA Insured
The Colorado market
Colorado accounts
34
Institutions
28
Top Colorado APY
4.15% APY
Nationally: 5.00% APY
FDIC national average
0.37%
As of Sep 2026
34 savings accounts are open only to Colorado residents, from 28 institutions. The highest advertised APY among them is 4.15%.
The highest nationally available rate is 5.00% APY, 85 basis points above the Colorado leader.
16 of the 34 Colorado savings accounts advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.
Colorado-Specific Savings Accounts
These savings accounts are specifically available to Colorado residents.
| # | Institution & Rate | Earned in a year at $10,000 | Requirements & Features | Minimum Deposit | Actions |
|---|---|---|---|---|---|
| #1 | Show Details | +$413per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #2 | Solera National Bank Money Market High Yield Savings 4.07%APY Min. balance: $1,000 Observed: Oct 13, 2026 Show Details | +$407per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | N/A | |
| #3 | Academy Bank, National Association Oloy High-Yield Savings Account Up to4.15%APY On balances of $25,000 to $2,999,999.99 · 3.85% below No min. balance for APY Observed: Oct 13, 2026 Show Details | +$385per yearEffective: 3.85% | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1,000 | |
| #4 | Show Details | +$300per year | Deposit Insurance FDIC InsuredFeatures No MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | $0 | |
| #5 | Yampa Valley Bank Prime Savings Up to2.50%APY Needs at least $3,000 No min. balance for APY Observed: Oct 3, 2026 Show Details | +$250per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #6 | Show Details | +$235per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1,000 | |
| #7 | Gunnison Savings and Loan Association Statement Savings 1.51%APY Min. balance: $1 Observed: Oct 13, 2026 Show Details | +$151per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 | |
| #8 | Show Details | +$60per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #9 | Grand Valley Bank Regular Savings Up to1.45%APY Needs at least $250,000 No min. balance for APY Observed: Oct 7, 2026 Show Details | +$55per yearEffective: 0.55% | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #10 | Show Details | +$50per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $200 | |
| #11 | Show Details | +$50per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #12 | Show Details | +$50per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #13 | High Plains Bank High Yield Savings Account Up to3.82%APY Needs at least $500,000 No min. balance for APY Observed: Oct 13, 2026 Show Details | +$45per yearEffective: 0.45% | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | $25 | |
| #14 | North Valley Bank Consumer/Business Statement Savings Up to0.60%APY Needs at least $250,000 No min. balance for APY Observed: Oct 7, 2026 Show Details | +$40per yearEffective: 0.40% | Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | $0.01 | |
| #15 | Show Details | +$30per yearEffective: 0.30% | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #16 | Show Details | +$30per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 | |
| #17 | Show Details | +$30per year | Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | $0 | |
| #18 | The First National Bank in Trinidad Savings Account 0.25%APY No min. balance for APY Observed: Oct 12, 2026 Show Details | +$25per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #19 | Show Details | +$20per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #20 | Show Details | +$20per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #21 | Show Details | +$17per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #22 | Equitable Savings and Loan Association Statement Savings 0.10%APY Min. balance: $50 Observed: Oct 7, 2026 Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #23 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #24 | Show Details | +$8per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #25 | Show Details | +$8per year | Deposit Insurance FDIC InsuredRequires Linked Account Features Low MinimumsIn-Person Access | $25 | |
| #26 | Show Details | +$4per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | $100 | |
| #27 | Academy Bank, National Association Savings Account 0.03%APY No min. balance for APY Observed: Oct 13, 2026 Show Details | +$3per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #28 | Show Details | +$3per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #29 | Show Details | +$3per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | $25 | |
| #30 | Show Details | +$2per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #31 | Show Details | +$2per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #32 | Bank of America Advantage Relationship Banking Up to0.02%APY Needs at least $50,000 Observed: Oct 13, 2026 Show Details | +$1per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | $100 | |
| #33 | Show Details | +$1per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 |
#1
Austin Capital Bank SSB
Fort Knox Savings
+$413
per year
4.13% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 58082) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#2
Solera National Bank
Money Market High Yield Savings
+$407
per year
4.07% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | $1,000 |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 58534) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#3
Academy Bank, National Association
Oloy High-Yield Savings Account
+$385
per year
4.15% APY
Oct 13, 2026
On balances of $25,000 to $2,999,999.99 · 3.85% below
APY Range: 0.25% – 4.15%
FDIC InsuredLow MinimumsIn-Person Access
What to Watch
The stated APY applies to balances up to $3,000,000. Balances above that cap earn a much lower rate. eStatements are required on this account.
Show Fine Print & Trends Hide Details
| Min. Deposit | $1,000 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 19600) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
#4
Citibank
Citi Accelerate Savings
+$300
per year
3.00% APY
Oct 13, 2026
FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported
What to Watch
Eligibility restricted to select states.
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $0.01 |
| Maintenance Fee | $4.50. Waived for average monthly balances > $500 |
| Compound Freq | Daily |
| Direct Deposit | Not required |
| Branches | U.S. branches are concentrated in six metropolitan areas, New York City, Chicago, Los Angeles, San Francisco, Washington, D.C., and Miami. |
| Deposit Insurance | FDIC Insured(Cert: 7213) |
| Eligibility | Alaska, Alabama, Arkansas, Arizona, Colorado, Delaware, Florida (select parts), Georgia, Hawaii, Iowa, Idaho, Illinois (select parts), Indiana, Kansas, Kentucky, Louisiana, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia (partial), Washington (partial), Wisconsin, West Virginia, Wyoming. |
| Zelle® | SupportedLimit: $2,500 /dayTiered limits based on account status (Citigold higher). |
| Mobile Ratings | |
| BBB Rating | D-(Not BBB Accredited) |
Rate Stability
Rate Increased
+0.20%
Since 30 days ago#5
Yampa Valley Bank
Prime Savings
+$250
per year
2.50% APY
Oct 3, 2026
Needs at least $3,000
APY Range: 2.31% – 2.50%
FDIC InsuredLow MinimumsIn-Person Access
What to Watch
After six pre-authorized withdrawals in a month, each additional withdrawal costs $2.
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 35407) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Rate Increased
+0.15%
Since 30 days ago#6
Gateway First Bank
Gateway High Yield Savings
+$235
per year
2.35% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $1,000 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 15118) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#7
Gunnison Savings and Loan Association
Statement Savings
+$151
per year
1.51% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $1 |
| Min. Balance | $1 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 30388) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#8
5Star Bank
Basic Savings
+$60
per year
0.60% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 91005) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#9
Grand Valley Bank
Regular Savings
+$55
per year
1.45% APY
Oct 7, 2026
Needs at least $250,000
APY Range: 0.55% – 1.45%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 24922) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
#10
Bank of Colorado
Personal Savings
+$50
per year
0.50% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
What to Watch
The published rate applies to an account opened online. The rate for an account opened at a branch can differ. A service charge applies when the balance falls below $200. Up to nine withdrawals per quarter are free.
Show Fine Print & Trends Hide Details
| Min. Deposit | $200 |
| Min. Balance | N/A |
| Maintenance Fee | As long as you maintain a balance of $200 or more, there is no service charge. |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 16980) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#11
Gateway First Bank
Personal Savings
+$50
per year
0.50% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 15118) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#12
Golden Belt Bank, FSA
Personal Savings
+$50
per year
0.50% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $0 |
| Maintenance Fee | $3 monthly service charge, waived with a $100 minimum daily balance. |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 28735) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#13
High Plains Bank
High Yield Savings Account
+$45
per year
3.82% APY
Oct 13, 2026
Needs at least $500,000
APY Range: 0.23% – 3.82%
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | unknown |
| Direct Deposit | Not required |
| Branches | 5 locations in Colorado |
| Deposit Insurance | FDIC Insured(Cert: 3017) |
| Eligibility | United States |
| Zelle® | SupportedAvailable via the HPBGo mobile app. |
| Mobile Ratings | |
| BBB Rating | Not Rated(Not BBB Accredited) |
Rate Stability
No movement is shown for an “Up to” rate.
#14
North Valley Bank
Consumer/Business Statement Savings
+$40
per year
0.60% APY
Oct 7, 2026
Needs at least $250,000
APY Range: 0.40% – 0.60%
FDIC InsuredNo MinimumsIn-Person Access
What to Watch
The $3 monthly service fee applies only when the balance falls below $100 during the month. Accounts for children under 18 have no monthly service charge.
Show Fine Print & Trends Hide Details
| Min. Deposit | $0.01 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 18710) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
#15
First FarmBank
Forever Account
+$30
per year
1.50% APY
Oct 7, 2026
Needs at least $1,000,000
APY Range: 0.25% – 1.50%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 58508) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
#16
San Luis Valley Federal Bank
Chipmunk Savings
+$30
per year
0.30% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
What to Watch
No minimum balance is required while the account holder is under 13 years old.
Show Fine Print & Trends Hide Details
| Min. Deposit | $1 |
| Min. Balance | $1 |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 28208) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#17
Union Bank and Trust Company
Simply Savings
+$30
per year
0.30% APY
Oct 13, 2026
FDIC InsuredNo MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 13421) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#18
The First National Bank in Trinidad
Savings Account
+$25
per year
0.25% APY
Oct 12, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 14584) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
#19
Nicolet National Bank
Personal Savings
+$20
per year
0.20% APY
Oct 13, 2026
Needs at least $5,000
APY Range: 0.15% – 0.20%
FDIC InsuredLow MinimumsIn-Person Access
What to Watch
A $5 monthly service charge applies if the available balance falls below $100.
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | N/A |
| Maintenance Fee | $5 monthly service charge if available balance falls below $100. |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 57038) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#20
The Dolores State Bank
Regular Savings
+$20
per year
0.20% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
What to Watch
A $1 service charge applies each quarter when the average quarterly balance falls below $5.
Show Fine Print & Trends Hide Details
| Min. Deposit | $50 |
| Min. Balance | N/A |
| Maintenance Fee | If average quarterly balance drops below $5, the account incurs a $1 service charge per quarter |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 17959) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#21
San Luis Valley Federal Bank
SLVFB Savings
+$17
per year
0.17% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
What to Watch
A monthly service charge applies when the balance is below $100. The bank does not publish the amount.
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $1 |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 28208) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#22
Equitable Savings and Loan Association
Statement Savings
+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $50 |
| Min. Balance | $50 |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 30707) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#23
Farmers State Bank of Calhan
Savings Account
+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
What to Watch
A $1.00 fee applies to each withdrawal over four presented in a calendar month.
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | $25 |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 1780) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#24
ANB Bank
Personal Savings
+$8
per year
0.08% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 19220) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#25
ANB Bank
Spare-Change Savings
+$8
per year
0.08% APY
Oct 7, 2026
FDIC InsuredLinked AccountLow MinimumsIn-Person Access
What to Watch
A debit card linked to an ANB checking account is required. Cancelling the automatic round-up turns this into a Personal Savings Account, under that product's balance rules and fees.
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 19220) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#26
Bank of America
Advantage Savings
+$4
per year
0.04% APY
Oct 13, 2026
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported
What to Watch
APY may vary by market. The monthly fee may be waived under some circumstances, such as if you maintain a minimum balance of $500, or are below the age of 25, etc.
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $0.01 |
| Maintenance Fee | $8 |
| Compound Freq | Monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 3510) |
| Eligibility | United States |
| Zelle® | SupportedLimit: $3,500 /dayFounding member; highest limits for established users. |
| Mobile Ratings | |
| BBB Rating | A+(BBB Accredited) |
Rate Stability
Very StableNo rate changes in last 90 days
#27
Academy Bank, National Association
Savings Account
+$3
per year
0.03% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 19600) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#28
Armed Forces Bank, National Association
Savings Account
+$3
per year
0.03% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 4666) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#29
PNC
Standard Savings
+$3
per year
0.03% APY
Oct 12, 2026
Needs at least $2,500
APY Range: 0.02% – 0.03%
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported
What to Watch
APY may improve with a linked PNC account. Terms and conditions apply.
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | $1 |
| Maintenance Fee | $0 / $5 (see bank for details) |
| Compound Freq | Monthly |
| Direct Deposit | Not required |
| Branches | Multiple branches in AL, AZ, CA, CO, DE, DC, FL, GA, IL, IN, KS, KY, MD, MA, MI, MO, NJ, NM, NY, NC, OH, PA, SC, TN, TX, VA, WV, WI |
| Deposit Insurance | FDIC Insured(Cert: 6384) |
| Eligibility | United States |
| Zelle® | SupportedLimit: $2,000 /dayCentral to Virtual Wallet suite. |
| Mobile Ratings | |
| BBB Rating | A+(Not BBB Accredited) |
Rate Stability
Very StableNo rate changes in last 90 days
#30
UMB Bank, National Association
UMB Savings
+$2
per year
0.02% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
What to Watch
The listed rate is for accounts opened online and may vary by region.
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 8273) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#31
Verus Bank of Commerce
Big Thompson Savings
+$2
per year
0.02% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
What to Watch
A minimum balance fee applies unless the daily balance stays at $100.00 or more. The bank does not publish the amount of the fee.
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| Min. Deposit | $100 |
| Min. Balance | N/A |
| Maintenance Fee | $100 daily minimum balance required to waive minimum balance fee (fee amount not published) |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 58025) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#32
Bank of America
Advantage Relationship Banking
+$1
per year
0.02% APY
Oct 13, 2026
Needs at least $50,000
APY Range: 0.01% – 0.02%
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported
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| Min. Deposit | $100 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | Monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 3510) |
| Eligibility | United States |
| Zelle® | SupportedLimit: $3,500 /dayFounding member; highest limits for established users. |
| Mobile Ratings | |
| BBB Rating | A+(BBB Accredited) |
Rate Stability
No movement is shown for an “Up to” rate.
#33
BMO Bank
Savings Builder
+$1
per year
0.01% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
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| Min. Deposit | $25 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 16571) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
Nationally Available Savings Accounts
The 8 highest-rate savings accounts available nationwide, including in Colorado.
| Institution | Product / Term | APY |
|---|---|---|
| Axos Bank | Axos ONE Savingsfirst $49,999.99 only · needs a linked account at the bank · promotional rate | Up to5.00% |
| GO2bank | High Yield Savingsfirst $5,000 only · needs a linked account at the bank | Up to4.50% |
| Elevault | High Yield Savings Account | 4.34% |
| Peak Bank | Envision High Yield Savingsup to $499,999.99 only | 4.27% |
| Betterment | Cash Reservepromotional rate | Up to4.25% |
| Neighbors Bank | Neighbors Savings Account | 4.25% |
| Pibank | Pibank Savings | 4.25% |
| EverBank | Performance Savings | 4.20% |