Poppy Bank: Savings Account & Rates
Mission: Banksparency aims to make Poppy Bank's savings account transparent and comparable to the market.
Analysis of Poppy Bank
Our verdict
Poppy Bank offers Poppy Premier Personal Savings, a high-yield savings account paying 0.50% APY with a $1,000 minimum deposit.
At 0.50% APY, Poppy Bank is competitive with the national average of 0.38%. Ranks in the top tier of 97+ accounts tracked.
Ideal User Profile
- Best for: simple saving without extra requirements, quick transfers with Zelle, and having a branch nearby when you need one.
Key Differentiators
- Stands out with in-person banking available, Zelle for instant transfers.
Savings Overview
Poppy Premier Personal Savings
| Min. Deposit | $1,000 |
| Min. Balance | $1,000 |
| Maintenance Fee | $0, if electronic statements selected, otherwise $5 |
Market Reality Check
This bank offers rates below the current top tier. The best rates we track are currently above 4.10% APY.
Bank Overview
- HQ LocationSanta Rosa, California
- Founded2005
- AffiliationFormerly First Community Bank.
- Ratings & Trust
- Zelle® SupportAvailableOfficial Zelle partner bank.
- Deposit InsuranceFDIC Insured(Cert: 57903)
Savings Account: In-Depth View
Savings Account Offered by Poppy Bank
| Feature | Poppy Premier Personal Savings |
|---|---|
APY | 0.50%Verified: 7/7/2026 |
APY Trend | Very StableNo rate changes in last 90 days |
Min. Deposit | $1,000 |
Min. Balance | $1,000 |
Monthly Fee | $0, if electronic statements selected, otherwise $5 |
Direct Deposit | None |
Checking Bundle | No |
Branch Access | Yes |
Compounding | Daily |
FDIC Insured | Yes |
Eligibility | United States |
| Next Steps | - |
Calculate Savings for Poppy Bank
Savings Breakdown
- Interest Earned+$187.40(1.3%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,187.40
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Poppy Bank Savings Rates Over Time
Historical APY Insights
Last 12 Months| Metric | Poppy Premier Personal Savings | Poppy Premier Online Savings | Poppy Personal Savings |
|---|---|---|---|
Latest APY | 0.50% | 4.00% | 0.10% |
Trend | Sideways | Sideways | Sideways |
Slope (bps/mo) | 0.0 | -3.9 | 0.0 |
Rate Changes / Mo | 0.00 | 0.25 | 0.00 |
Days Since Last Change | 365 | 105 | 365 |
High (-12m) | 0.50% | 4.25% | 0.10% |
Low (-12m) | 0.50% | 3.75% | 0.10% |
Draw-down | 0.0% | -5.9% | 0.0% |
Volatility (CV) | 0.000 | 0.045 | 0.000 |
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 365-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 Poppy Bank
| Feature | Current View Poppy Bank | Empty Slot |
|---|---|---|
| Product | Poppy Premier Personal Savings | - |
APY | 0.50%Verified: 7/7/2026 | - |
APY Trend | Very StableNo rate changes in last 90 days | - |
| Min. Deposit | $1,000 | - |
| Monthly Fee | $0, if electronic statements selected, otherwise $5 | - |
Direct Deposit | No | - |
Checking Bundle | No | - |
| Branch Access | Yes | - |
| Eligibility | United States | - |
Compounding | Daily | - |
FDIC Insured | Yes | - |
| Next Steps | - | - |
Alternatives to Poppy Bank
Banks with Higher/Similar Savings APY
For a top list of the highest savings rates, see all HYSA top rates
Amalgamated Bank
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