Jenius Bank: Savings Account & Rates
Mission: Banksparency aims to make Jenius Bank's savings account transparent and comparable to the market.
Savings Overview
Jenius Savings
| Min. Deposit | $0 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
Market Reality Check
This bank offers rates below the current top tier. The best rates we track are currently above 4.15% APY.
Bank Overview
- HQ LocationLos Angeles, California
- Founded2023
- AffiliationJenus Bank is the digital banking division of SMBC MANUBANK and a member of the Sumitomo Mitsui Banking Corporation, Inc., initialed SMBC Group (NYSE: SMFG).
- Ratings & Trust
- Zelle® SupportNo SupportStandard ACH or Wire transfers only.
- Deposit InsuranceFDIC Insured(Cert: 18618)
Top Market Contenders
Savings Account: In-Depth View
Savings Account Offered by Jenius Bank
| Feature | Jenius Savings Inactive |
|---|---|
APY | 4.05%Verified: 1/9/2026 |
APY Trend | N/A |
Min. Deposit | $0 |
Min. Balance | $0 |
Monthly Fee | $0 |
Direct Deposit | None |
Checking Bundle | No |
Branch Access | None |
Compounding | Daily |
FDIC Insured | Yes |
Eligibility | United States |
Important | As of Jan 9, 2026, Jenius Bank is winding down its U.S. digital banking operations. As a result, no new applications for savings accounts or loans will be accepted. |
| Next Steps | - |
Calculate Savings for Jenius Bank
* This product is currently inactive
Savings Breakdown
- Interest Earned+$1,588.70(10.2%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$15,588.70
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
Last 12 Months| Metric | Jenius Savings |
|---|---|
Latest APY | 4.05% |
Trend | Sideways |
Slope (bps/mo) | -2.8 |
Rate Changes / Mo | 0.17 |
Days Since Last Change | 52 |
High (-12m) | 4.50% |
Low (-12m) | 4.05% |
Draw-down | -10.0% |
Volatility (CV) | 0.030 |
How to read these metrics▼
Trends & Velocity
- Trend
- The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
- Slope (bps/mo)
- Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
- Rate Changes / Mo
- "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.
Risk & Range
- High/Low
- The absolute ceiling and floor of the rate during the 352-day window.
- Volatility Score
- Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
- Days Since Change
- If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.
Why track this? Understanding volatility helps you avoid "bait-and-switch" rates. A steady, rising slope is ideal; high volatility often signals a temporary teaser rate.
Compare with Jenius Bank
| Feature | Current View Jenius Bank | Empty Slot |
|---|---|---|
| Product | Jenius SavingsInactive | - |
APY | 4.05%Verified: 1/9/2026 | - |
APY Trend | N/A | - |
| Min. Deposit | $0 | - |
| Monthly Fee | $0 | - |
Direct Deposit | No | - |
Checking Bundle | No | - |
| Branch Access | None | - |
| Eligibility | United States | - |
Compounding | Daily | - |
FDIC Insured | Yes | - |
| Note | As of Jan 9, 2026, Jenius Bank is winding down its U.S. digital banking operations. As a result, no new applications for savings accounts or loans will be accepted. | - |
| Next Steps | - | - |
Bank-to-Bank Comparisons
Compare Jenius Bank's APY of 4.05% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Jenius Bank vs Ally Bank | 3.20% | $0 |
| Jenius Bank vs American Express | 3.30% | $0 |
| Jenius Bank vs Axos Bank | 4.21% | $0 |
| Jenius Bank vs Bank of America | 0.01% | $100 |
| Jenius Bank vs Barclays | 3.85% | $0 |
| Jenius Bank vs Capital One | 3.30% | $0 |
| Jenius Bank vs Chase Bank | 0.01% | $0 |
| Jenius Bank vs Chime | 3.00% | $0 |
| Jenius Bank vs CIT Bank | 3.75% | $100 |
| Jenius Bank vs Citibank | 3.20% | $0 |
| Jenius Bank vs Discover Bank | 3.30% | $0 |
| Jenius Bank vs EverBank | 3.90% | $0 |
| Jenius Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Jenius Bank vs Newtek Bank | 4.20% | $0.01 |
| Jenius Bank vs Openbank | 4.09% | $500 |
| Jenius Bank vs Pibank | 4.60% | $0 |
| Jenius Bank vs SoFi Bank | 4.00% | $0 |
| Jenius Bank vs Synchrony Bank | 3.50% | $0 |
| Jenius Bank vs Varo Bank | 5.00% | $0 |
| Jenius Bank vs Wealthfront | 3.95% | $0 |
| Jenius Bank vs Wells Fargo | 0.05% | $25 |
Alternatives to Jenius Bank
Banks with Higher/Similar Savings APY
For a top list of the highest savings rates, see all HYSA top rates
Openbank
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Eligible States: Limited (see details)
SoFi Bank
SoFi Savings: 4.00% APY
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Minimum Deposit: $0
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Minimum Deposit: $0.01
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Pibank Savings: 4.60% APY
Minimum Deposit: $0
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Carver Bank
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Minimum Deposit: $5,000
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TIMBR
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Minimum Deposit: $1,000
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Peak Bank
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Minimum Deposit: $100
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Fitness Bank
Fitness Savings Account: 4.20% APY
Minimum Deposit: $100
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Fitness Elite Checking & Fitness Savings Combo: 4.50% APY
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