Colorado Federal Savings Bank


8400 E Prentice Ave
Greenwood Village, CO 80111
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Notable Rates APY Vs.Others
Savings N.A. 5.55% →
1-Year CD N.A. 5.41% →
2-Year CD N.A. 4.95% →
5-Year CD N.A. 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Bank Information

Colorado Federal Savings Bank is an FDIC insured institution located in Greenwood Village, CO. It was founded in 1990 and has approximately $2.33 billion in assets.

FDIC Insured Yes
FDIC Certificate # 33111
Date Established 1990
Assets $ 2.33 billion
Loans $ 1,544.60 million
Deposits $ 1,129.60 million
Capital $ 241.91 million

For a more detailed analysis of Colorado Federal Savings Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - June 14, 2024

Your Current Location: Virginia, VA 20146

Online Only Savings Rates of Colorado Federal Savings Bank

Online Savings Rates APY MIN MAX
High Yield Savings
4.40% $1 - Learn More
Premier Savings
4.45% $50,000 - Learn More

Online Only CD Rates of Colorado Federal Savings Bank

Online CD Rates APY MIN MAX
1 Month CD
1.00% $5,000 - Learn More
2 Month CD
0.75% $5,000 - Learn More
3 Month CD
3.50% $5,000 - Learn More
6 Month CD
5.25% $5,000 - Learn More
11 Month No Penalty CD
3.50% $5,000 - Learn More
12 Month CD
5.30% $5,000 - Learn More
18 Month CD
4.95% $5,000 - Learn More
24 Month CD
4.80% $5,000 - Learn More
36 Month CD
4.40% $5,000 - Learn More
60 Month CD
4.35% $5,000 - Learn More

Bank Online Offers

Colorado Federal Savings Bank Raises CD Rates
Mar 15, 2019

Colorado Federal Savings Bank has raised its CD rates so that it is now offering extremely competitive rates on 1-year CDs, 3-year CDs and 5-Year CDs.   Those who follow the space will note that Colorado Federal Savings had been competitive previously.   Their early withdrawal penalties are attractive (3 months' interest on a 1-year CD and 6 months' on terms longer than 1 year) and well displayed on their site. 

Colorado Federal Savings Bank Lowers CD Rates
Apr 17, 2019

Colorado Federal Savings Bank raised their CD rates to some of the highest available online rates last month, but has now lowered them.   They are still competitive, but not as attractive as they were recently.  Their 1-year CD now yields 2.80% APY and has a 3-month early withdrawal penalty.

Colorado Federal Savings Bank Adds 2.35% No Penalty CD
Jun 17, 2019

Colorado Federal Savings Bank has begun offering an 11-Month No Penalty CD at 2.35%.   BestCashCow has recommended that investors look at No Penalty CDs as an effective way to lock in current interests rates for the remainder of 2019 and much of 2020 without losing liquidity.   Ally, Marcus and Purepoint have attractive offerings in this space, and Colorado is now a 4th interesting offer.   The rate, however, is lower than Purepoint's and the term is 2 months shorter than Marcus's.

Colorado Federal Savings Bank Lowers 12-Month CD to 5.30% APY
Feb 26, 2024

Colorado Federal Savings Bank had a top yielding 12-month CD but they have lowered their rate today to 5.30% APY.

Loan Rates - June 14, 2024

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Colorado Federal Savings Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Monthly
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PenFed Credit Union
NMLS ID: 401822
6.312% 6.125%
1.00 points
$6,400 fees
$1,945 Learn More
Tomo Mortgage, LLC.
NMLS ID: 2059741
6.493% 6.375%
0.63 points
$3,952 fees
$1,997 Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.717% 6.625%
0.75 points
$3,039 fees
$2,049 Learn More
Rocket Mortgage
NMLS ID: 3030
7.064% 6.990%
0.75 points
$2,400 fees
$2,127 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
7.490 %
$0 Learn More
More Info

Note to Colorado Federal Savings Bank
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Climate Policy and Initiatives

Colorado Federal Savings Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

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Financial Details

Colorado Federal Savings Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Colorado Federal Savings Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Colorado Federal Savings Bank U.S. Bank Average
0.22% 3.96%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2024, Colorado Federal Savings Bank had $570,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $241,908,000 in equity and $13,701,000 in loans loss reserves. That gives it a Texas Ratio of 0.22%.

Return on Equity
Colorado Federal Savings Bank U.S. Bank Average
8.44% 12.20%

Colorado Federal Savings Bank has a Return on Equity of 8.44% versus the BestCashCow average of 12.20%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Colorado Federal Savings Bank U.S. Bank Average
10.38% 10.76%

Colorado Federal Savings Bank has a Capitalization of 10.38% versus the BestCashCow average of 10.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Colorado Federal Savings Bank Balance Sheet Analysis

As of December 31, 2023, Colorado Federal Savings Bank had assets of $2,331,251,000, loans of $1,544,596,000, and deposits of $1,129,598,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2024
Cash & Balances due from depository institutions $ 65.96 million
Interest-bearing balances $ 60.83 million
Total securities $ 239.92 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 1,544.60 million
Loan loss allowance $ 13.70 million
Trading account assets $ 299.65 million
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 77.84 million
All other assets $ 82.97 million
     Total Assets $ 2.09 billion
Total deposits $ 1,129.60 million
      Interest-bearing deposits $ 897.86 million
      Deposits held in domestic offices $ 1,129.60 million
      % insured (estimated) 79.28%
Federal funds purchased and repurchase agreements $ 180.35 million
Trading liabilities $ 1.89 million
Other borrowed funds $ 650.00 million
Subordinated debt N.A.
All other liabilities $ 12.60 million
      Total Liabilities $ 2.09 billion
      Shareholders’ Equity $ 241.91 million

Summary Income Statement

December 31, 2024
Total Interest Income $ 84.20 million
Total Interest Expense $ 51.49 million
Net interest income $ 32.71 million
Provision for loan and lease losses $ 0.03 million
Total non interest income $ 11.89 million
Total non interest expense $ 16.29 million
Pre-tax Net Operating Income $ 42.28 million

Bank Loan Profile?

The top three loan types in Colorado Federal Savings Bank’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Construction and Development Loans.

Compared to other banks in Colorado, Colorado Federal Savings Bank has a significantly higher percent of 1-4 Family Residential Loans, Multifamily Mortgages on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 82.14
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 6.83
Commercial Real Estate 2.30
Commercial and Industrial Loans 0.86
Farm Loans 0.00

Customer Reviews for Colorado Federal Savings Bank

  • June 21, 2021 |

    Bad experiences with this bank and maturing CD's. I wanted the funds returned to my external bank and not rolled over into another CD. After several phone calls, and messages sent through their secure message center giving them instructions, they still rolled over the CD's! And at a terrible rate! It took 5 days to finally get my funds returned, costing me a week of investment income! I requested they wire the funds to my external bank to cover their mistake and they refused, saying a (three day) ACH was the best they would do. Why was I paying for their mistake? Or, is the shell-game one in which they look for the retiree to forget about a CD, allowing them to roll over at terrible rates? As a retiree, I live on these investments, and the loss of a weeks income is meaningful.

  • July 1, 2019

    wherever this comptroller thing is in your state kick them out on the street after you take the comptroller thing and take them somewhere on the east coast where there are sharks in north Carolina water and the sharks will eat them if they don't stop ok and you will say see those sharks you will go in if you don't stop and trump said to do that to everybody

  • June 4, 2016

    Can I open a cd on line? Thank you

  • December 7, 2015

    How do I invest with your bank? I am interested in 18 mo. cd

  • May 26, 2015

    You advertised a l year CD rate of 1.35 but I can not find any information to invest. Warren N. Billings

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