Poppy Bank: Savings Accounts & Rates

Savings rates updated: 11/15/2025

Mission statement: Banksparency aims to make Poppy Bank's savings accounts transparent and comparable to those of other banks. .

Note: Interest rates below are reported as APY, or Annual Percentage Yield

We earn a commission if you open an account through some links on this page.

Savings Overview

Poppy Premier Online Savings: 4.00% APY(Rank 36 out of 86 tracked HYSAs)

Minimum Deposit: $1,000 | Online Only

Poppy Premier Personal Savings: 0.50% APY(Rank 91 out of 102 savings accounts)

Minimum Deposit: $1,000

Poppy Personal Savings: 0.10% APY(Rank 94 out of 102 savings accounts)

Minimum Deposit: $1,000

National Savings Interest Rate: 0.4% (as of 10/20/2025)

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: Santa Rosa, California

Founded: 2005

Affiliation: Formerly First Community Bank.

Access to Branches: Branches in California

Deposit Insurance: FDIC Cert # 57903

BBB Rating: A- (Not BBB Accredited)

App Store Rating: 4.4/5

Google Play Rating: 3.8/5

Website: Visit Poppy Bank

Our Take on Poppy Bank

Highlights

Poppy Premier Online Savings offers a competitive APY of 4.00%.
No maintenance fees with electronic statements on all accounts.
BBB rating of A- indicates good trustworthiness.
App Store rating of 4.4 reflects positive user experiences.

Considerations

Current APY of 4.00% is down from 4.25% 30 days ago.
Minimum deposit and balance requirement of $1,000 for all accounts.
Limited to branches in California for in-person services.
Not BBB Accredited, which may raise concerns for some.

Summary: Poppy Bank offers several savings accounts, with the Poppy Premier Online Savings providing the highest APY at 4.00%. However, this is a decrease from 4.25% a month ago. All accounts require a minimum deposit and balance of $1,000, and maintenance fees can apply without electronic statements. The bank has branches only in California and holds a BBB rating of A-, but is not BBB Accredited, which could be a consideration for potential customers.

Savings Accounts: In-Depth View

Savings Accounts Offered by Poppy Bank

Feature	Poppy Premier Online Savings	Poppy Personal Savings	Poppy Premier Personal Savings
APY	4.00% (as of 11/15/2025)	0.10% (as of 11/15/2025)	0.50% (as of 11/15/2025)
APY Trend	-0.25% MoM	Stable for the last quarter	Stable for the last quarter
Minimum Deposit	$1,000	$1,000	$1,000
Minimum Balance for APY	$1,000	$1,000	$1,000
FDIC-insured	Yes	Yes	Yes
Online Only	Yes	No	No
Bundled Account	No	No	No
Direct Deposit Required	No	No	No
Compound Frequency	Daily	Daily	Daily
Maintenance Fee	$0, if electronic statements selected, otherwise $5	$0, if electronic statements selected, otherwise $5	$0, if electronic statements selected, otherwise $5
Eligibility	United States	United States	United States
Sponsored Link
No deposit agreement summary available for this bank.

Calculate Savings for Poppy Bank

All calculations are based on APY.

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Initial Deposit:

Recurring Deposit Amount:

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Duration:

Total savings breakdown:

Interest earned: $1,568.1 (10.07%)
Total contributions: $13,000 (83.50%)
Initial deposit: $1,000 (6.42%)

Your total balance

$15,568.10

Effective APY: 4.00% (based on your deposit and contributions)

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

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	-4.0	-0.0
Rate Changes / Mo	0.00	0.30	0.00
Days Since Last Change	296	11	296
High (-10 m)	0.50 %	4.50 %	0.10 %
Low (-10 m)	0.50 %	4.00 %	0.10 %
Draw-down from High	0.0 %	-11.1 %	0.0 %
Volatility (CV)	0.000	0.031	0.000

APY Insights Glossary

Latest APY: Most recent advertised annual-percentage yield.
Trend: Direction over the last 10 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 (-10 m): Highest APY in the last 297 days.
Low (-10 m): Lowest APY in the last 297 days.
Draw-down from High: How far today sits below the 10-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 Poppy Bank's Savings Accounts

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Citibank - 3.35% APY
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GO2bank - 4.50% APY
High Plains Bank - 0.23-3.82% APY
Ivy Bank - 0.05-4.25% APY
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Presidential Bank - 3.75-4.25% APY
Prime Alliance Bank - 3.90% APY
Primis Bank - 3.85% APY
Quontic Bank - 3.75% APY
RBMAX - 3.90% APY
Rising Bank - 3.95% APY
ROGER - 3.87% APY
Salem Five Direct - 3.71% APY
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SmartyPig - 3.90% APY
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Synchrony Bank - 3.80% APY
TAB Bank - 3.80% APY
TD Bank - 0.05-2.75% APY
The State Exchange Bank - 3.96% APY
TIMBR - 4.40% APY
UFB Direct - 3.51-3.71% APY
Upgrade - 3.05% APY
Valley Direct - 4.10% APY
Varo Bank - 2.50-5.00% APY
Vio Bank - 4.21% APY
Wealthfront - 3.50-4.15% APY
Wells Fargo - 0.05-0.05% APY
Western Alliance Bank - 4.05% APY
Zynlo Bank - 4.20% APY

Feature	Poppy Bank	Select a bank...
Product		N/A
APY	4.00% (as of 11/15/2025)	N/A
Bundled Account	No	N/A
FDIC-insured	Yes	N/A
Online Only	Yes	N/A
Compound Frequency	Daily	N/A
Minimum Deposit	$1,000	N/A
Minimum Balance for APY	$1,000	N/A
Maintenance Fee	$0, if electronic statements selected, otherwise $5	N/A
Direct Deposit Required	No	N/A

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