Jenius Bank
Last Updated: 7/1/2025
Note: Interest rates below are reported as APY, or Annual Percentage YieldQuick Views
Jenius Savings: 4.20% APY(Rank 32 out of 76 tracked HYSAs)
National Savings Interest Rate: 0.38% (as of 6/16/2025)
Note: The FDIC tracks savings and CD rates nationally, but it does not report APY, only the average interest rate.
(Source: FDIC)Bank Overview
Location: Los Angeles, California
Founded: 2023
Affiliation: Jenus Bank is the digital banking division of SMBC MANUBANK and a member of the Sumitomo Mitsui Banking Corporation, Inc., initialed SMBC Group (NYSE: SMFG).
Access to Branches: None
BBB Rating: A+ (Not BBB Accredited)
App Store Rating: 4.2/5
Google Play Rating: 3.8/5
Website: Visit Jenius Bank
Our Take on Jenius Bank
Highlights
- Current APY of 4.20% is competitive for savings accounts.
- No minimum deposit or balance requirements.
- No maintenance fees for the savings account.
- Strong BBB rating of A+.
Considerations
- No physical branches available for in-person banking.
- Not BBB Accredited, which may raise concerns.
- Requires direct deposit for listed APY, limiting accessibility.
- Google Play rating is lower at 3.8.
Savings Account
Savings Account Offered by Jenius Bank
Feature | Jenius Savings |
---|---|
APY | 4.20% (as of 7/1/2025) |
APY Trend | Stable for the last month |
Minimum Deposit | $0 |
Minimum Balance for APY | $0 |
FDIC-insured | Yes |
Online Only | Yes |
Bundled Account | No |
Direct Deposit Required | No |
Compound Frequency | Daily |
Maintenance Fee | $0 |
Eligibility | United States |
No deposit agreement summary available for this bank. |
Calculate Savings for Jenius Bank
Jenius Savings (APY: 4.20%)
Total savings breakdown:
- Interest earned: $4 (3.85%)
- Total contributions: $0 (0.00%)
- Initial deposit: $100 (96.15%)
Your total balance
$104.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Jenius Bank Savings Rates Over Time
Historical APY Insights
Metric | Jenius Savings |
---|---|
Latest APY | 4.20 % |
Trend | Falling |
Slope (bps/mo) | -7.0 |
Rate Changes / Mo | 0.19 |
Days Since Last Change | 111 |
High (-5 m) | 4.50 % |
Low (-5 m) | 4.20 % |
Draw-down from High | -6.7 % |
Volatility (CV) | 0.032 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 5 months (regression slope).
- Slope (bps/mo)
- Average monthly change; 10 bps = 0.10 pp.
- Rate Changes / Mo
- Typical number of APY moves per month.
- Days Since Last Change
- Recency of the latest APY adjustment.
- High (-5 m)
- Highest APY in the last 160 days.
- Low (-5 m)
- Lowest APY in the last 160 days.
- Draw-down from High
- How far today sits below the 5-month peak.
- Volatility (CV)
- Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
- See how quickly a bank reacts to Fed moves or competition.
- Gauge “twitchiness” - frequent moves can annoy savers.
- Spot if you're buying near a peak (draw-down) or riding a rise.
- Slope (bps/mo) shows speed of change.
- Volatility (CV) scales jumps by average level.
Compare Jenius Bank's Savings Account
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- SoFi Bank - 3.80% APY
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- TAB Bank - 4.15% APY
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- UFB Direct - 4.01-4.21% APY
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Feature | Jenius Bank | Select a bank... |
---|---|---|
Product | Jenius Savings | N/A |
APY | 4.20% (as of 7/1/2025) | N/A |
Bundled Account | No | N/A |
FDIC-insured | Yes | N/A |
Online Only | Yes | N/A |
Compound Frequency | Daily | N/A |
Minimum Deposit | $0 | N/A |
Minimum Balance for APY | $0 | N/A |
Maintenance Fee | $0 | N/A |
Direct Deposit Required | No | N/A |