Peak Bank
Last Updated: 5/15/2025
Note: Interest rates below are reported as APY, or Annual Percentage YieldQuick Views
Envision High Yield Savings: 4.44% APY(Rank 11 out of 75 HYSAs)
National Savings Interest Rate: 0.41% (as of 4/21/2025)
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: McCall, Idaho
Founded: 2005
Affiliation: Peak Bank is a division of Idaho First Bank
Access to Branches: None
BBB Rating: A+ (Not BBB Accredited)
App Store Rating: 4.8/5
Google Play Rating: 4.8/5
Website: Visit Peak Bank
Savings Account
Savings Account Offered by Peak Bank
| Feature | Envision High Yield Savings |
|---|---|
| APY | 4.44% (as of 5/15/2025) |
| APY Trend | -0.10% MoM |
| Minimum Deposit | $100 |
| Minimum Balance for APY | N/A |
| 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 Peak Bank
Envision High Yield Savings (APY: 4.44%)
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.
Peak Bank Savings Rates Over Time
Historical APY Insights
| Metric | Envision High Yield Savings |
|---|---|
| Latest APY | 4.44 % |
| Trend | Sideways |
| Slope (bps/mo) | 2.2 |
| Rate Changes / Mo | 0.16 |
| Days Since Last Change | 15 |
| 12-M High | 4.54 % |
| 12-M Low | 4.35 % |
| Draw-down from High | -2.2 % |
| Volatility (CV) | 0.016 |
Compare Peak Bank's Savings Account
- Affirm - 3.85% APY
- All America Bank - 1.50-3.49% APY
- Ally Bank - 3.60% APY
- Amalgamated Bank - 2.25% APY
- American Express - 3.60% APY
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- Citibank - 0.03% APY
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| Feature | Peak Bank | Select a bank... |
|---|---|---|
| Product | Envision High Yield Savings | N/A |
| APY | 4.44% (as of 5/15/2025) | N/A |
| Bundled Account | No | N/A |
| FDIC-insured | Yes | N/A |
| Online Only | Yes | N/A |
| Compound Frequency | Daily | N/A |
| Minimum Deposit | $100 | N/A |
| Minimum Balance for APY | N/A | N/A |
| Maintenance Fee | $0 | N/A |
| Direct Deposit Required | No | N/A |
Peak Bank vs. Major Banks: Savings Accounts
Click on the items below to view the comparisons
| Feature | Peak Bank | Bank of America |
|---|---|---|
| Envision High Yield Savings | Advantage Savings | |
| APY | 4.44% APY) (as of 5/15/2025) | 0.01% APY (as of 5/15/2025) |
| Bundled Account | No | No |
| FDIC-insured | Yes | Yes |
| Online Only | Yes | No |
| Compound Frequency | Daily | Monthly |
| Minimum Deposit | $100 | $100 |
| Minimum Balance for APY | N/A | N/A |
| Maintenance Fee | $0 | $8 |
| Direct Deposit Required | No | No |
| Eligibility | United States | United States |
| Note | N/A | 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. |
| Feature | Peak Bank | Citibank |
|---|---|---|
| Envision High Yield Savings | Citi® Savings Account | |
| APY | 4.44% APY) (as of 5/15/2025) | 0.03% APY (as of 5/15/2025) |
| Bundled Account | No | No |
| FDIC-insured | Yes | Yes |
| Online Only | Yes | No |
| Compound Frequency | Daily | Daily |
| Minimum Deposit | $100 | $0 |
| Minimum Balance for APY | N/A | $0.01 |
| Maintenance Fee | $0 | $4.50. Waived for average monthly balances > $500 |
| Direct Deposit Required | No | No |
| Eligibility | United States | California, Connecticut, Maryland, Nevada, New Jersey, New York, Virginia (partial), Washington D.C., and select parts of Florida and Illinois. In addition, promotional rates may be available if requirements are met. |
| Note | N/A | N/A |
| Feature | Peak Bank | Chase Bank |
|---|---|---|
| Envision High Yield Savings | Chase Savings℠ | |
| APY | 4.44% APY) (as of 5/15/2025) | 0.01% APY (as of 5/14/2025) |
| Bundled Account | No | No |
| FDIC-insured | Yes | Yes |
| Online Only | Yes | No |
| Compound Frequency | Daily | Monthly |
| Minimum Deposit | $100 | $0 |
| Minimum Balance for APY | N/A | $0 |
| Maintenance Fee | $0 | $5 |
| Direct Deposit Required | No | No |
| Eligibility | United States | United States |
| Note | N/A | APY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc. |
| Feature | Peak Bank | Capital One |
|---|---|---|
| Envision High Yield Savings | 360 Performance Savings | |
| APY | 4.44% APY) (as of 5/15/2025) | 3.60% APY (as of 5/15/2025) |
| Bundled Account | No | No |
| FDIC-insured | Yes | Yes |
| Online Only | Yes | No |
| Compound Frequency | Daily | Monthly |
| Minimum Deposit | $100 | $0 |
| Minimum Balance for APY | N/A | $0 |
| Maintenance Fee | $0 | $0 |
| Direct Deposit Required | No | No |
| Eligibility | United States | United States |
| Note | N/A | N/A |
Alternatives to Peak Bank
Banks with Higher/Similar Savings APY
For a top list of the highest savings rates, see all HYSA top rates
FVCbank
Advantage Direct Savings: 4.45% APY
Minimum Deposit: $500
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Neighbors Bank
Neighbors Savings Account: 4.60% APY
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High-Yield Savings Account: 5.00% APY
Minimum Deposit: $0
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Minimum Deposit: $1,000
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Minimum Deposit: $0
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Savings Accounts with Lower Minimum Deposit
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Affirm
Affirm Money Account: 3.85% APY
Minimum Deposit: $0
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Ally Bank
Savings Account: 3.60% APY
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High Yield Savings Account: 3.60% APY
Minimum Deposit: $0
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Tiered Savings: 4.20% APY
Minimum Deposit: $0
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Online Savings: 3.80% APY
Minimum Deposit: $0
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Bask Bank
Interest Savings Account: 4.20% APY
Minimum Deposit: $0
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BMO Alto
Savings Account: 3.60% APY
Minimum Deposit: $0
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Banks Offering Bundled Savings & Checking
For a top list, see Bundled High-Yield Savings & Checking Accounts
Axos Bank
Axos ONE: 4.66% APY
Bundled Savings & Checking Account
Minimum Deposit: $0
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Chime
Chime Savings Account: 3.75% APY
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Minimum Deposit: $0
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Direct Deposit: You need to receive a qualifying direct deposit of $200 or more within the preceding 34 days
Fitness Bank
Fitness Savings Account: 4.55% APY
Minimum Deposit: $100
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Fitness Elite Checking & Fitness Savings Combo: 5.00% APY
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Minimum Deposit: $100
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OMB Bank
High Interest Online Savings Account: 4.56% APY
Minimum Deposit: $5,000
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High Interest Savings Account: 1.00% APY
Bundled Savings & Checking Account
Minimum Deposit: $25
Presidential Bank
Advantage Savings: 4.50% APY
Bundled Savings & Checking Account
Minimum Deposit: $5,000
Direct Deposit: To earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500.
ROGER
ROGER Savings: 4.65% APY
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Minimum Deposit: $0
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Banks with Branch Access
For a top list, see High-Yield Savings Accounts with In-Person Access
All America Bank
Regular Savings: 1.50% APY
Minimum Deposit: $50
Super Savers MMDA: 3.49% APY
Minimum Deposit: $2,500
Amalgamated Bank
Online Savings: 2.25% APY
Minimum Deposit: $100
Bank of America
Advantage Savings: 0.01% APY
Minimum Deposit: $100
Capital One
360 Performance Savings: 3.60% APY
Minimum Deposit: $0
Charles Schwab Bank
Schwab Bank Investor Savings™: 0.15% APY
Minimum Deposit: $0
Chase Bank
Chase Savings℠: 0.01% APY
Minimum Deposit: $0