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• Money Market Account
• 4.07% APY*
• Introductory rate floor 3.33% on new money through June 30, 2024
• $50,000 minimum deposit

*Annual percentage yield (APY) showing is accurate as of April 1, 2024. Minimum opening deposit $50,000. Promotional rate is a floor until June 30, 2024 fora new money market account. For existing money market accounts to receive rate, a minimum additional deposit of $50,000 is required that cannot be transferred from an existing account. Average collected balances below $50,000 may earn a lower rate of interest. Maximum deposit eligible for promotional rate is $3 million. Rate may change after account is opened. Fees charged to account could reduce earnings on account.


2023 Humanitarian Award Recipients Charlie and Judy McNeil

2023 Humanitarian Award Recipients Charlie and Judy McNeil

Charlie and Judy McNeil will receive well-deserved recognition for their charitable and humanitarian efforts over decades of community work.  They will be honored at the Volunteers of America gala “Western Fantasy” on October 23, 2023.

This is a great honor bestowed on those rare individuals who give tirelessly to their communities.  Please join me in congratulating Charlie and Judy.  It’s an honor to call you friend.  The community is better because of you.

Vice President at First American State Bank Honored at Volunteers of America

Vice President at First American State Bank Honored at Volunteers of America

Michelle Gruber receives VOA Colorado’s 2023 Special Friend Award

Here at Colorado Expression we have so many advertisers and friends that are involved in making this community great and this is no exception.

Michelle Gruber VP at First American State Bank in Greenwood Village was honored recently at Volunteers of America for her 10th year anniversary of the Village Toy Drive this December. Michelle has selflessly dedicated herself to making sure the Toy Drive works seamlessly and is the recipient of this years VOA Colorado’s 2023 Special Friend.

Congratulations Michelle!

Biometrics – Security Made Simple

Biometrics – Security Made Simple


Do you hate passwords? Are you tired of constantly logging into new websites or can’t remember all of your complex passwords? Frustrated by having to generate new passwords for new accounts or having to change old passwords for existing accounts? We have good news for you. There is a solution called biometrics that helps make cybersecurity easier for you. Below we explain what biometrics are, how they make your life simpler and why you will start seeing more of them.

First, Why Password?

Passwords are part of something called authentication, the process of proving who you are. There have typically been two things you can provide to prove your identity: something you know (like your passwords) and something you have (like an ATM card or your mobile device). Traditionally authentication has been done with passwords. Passwords were first adopted as it was one of the easiest authentication solutions to deploy. However, over the years our lives have become far more complicated with far more accounts than anyone ever expected. It is quite common for a person to have over 100 passwords in their work and personal life.

In addition, cyber attackers have become quite good at guessing, stealing or cracking passwords.

This is why you see so many rules about passwords, such as making them long (so they are hard to guess) and using a unique password for every account (so if one of your accounts is hacked, your other accounts are still safe). The problem with all of the password requirements is they make being cybersecure more difficult. Password managers dramatically help as they securely remember all of your passwords and log you into websites for you, but is there a better way? This is where biometrics can help by providing a third thing to prove your identity – something you are.


Like passwords, biometrics are another way to prove who you are. The difference is instead of having to remember something (like your passwords) you use an element of who you are to prove your identity, such as using your fingerprint to gain access to your phone. Biometrics are much simpler as you don’t have to remember or type anything, you just authenticate using who you are. There are many different types of biometric such as your voice, how you walk, or your iris prints. However, fingerprints and facial recognition are the two most common, especially for mobile devices. While biometrics have a tremendous number of advantages, they also have some disadvantages, one of the biggest being if your fingerprint or face is copied by cyber attackers, you cannot change them.


Over the coming months and years, you should start seeing biometrics replacing passwords with a new technology called Passkeys. This technology is being adopted by Microsoft, Apple and Google and you should soon see it being adopted at more and more websites over time. Passkeys replace passwords by allowing you to prove who you are by simply using biometrics combined with your mobile device. When you create an account at a website (such as Google or Apple) instead of creating a password you register your mobile device. Moving forward you log into that website by authenticating with your mobile device using biometrics, such as your fingerprint or facial recognition. The website trusts your mobile device, and your mobile device confirms it’s you using biometrics. In addition, your biometric data (fingerprint or face) is not sent to any website. Instead, your biometrics is securely stored locally on your device. It’s just used to unlock the “Passkey”, a unique key, created for each site, which your device sends to the site while protecting your biometric data. While no solution is perfect, biometrics and solutions like Passkeys can help keep you secure while simplifying security.