Poppy Bank
Last Updated: 7/1/2025
Note: Interest rates below are reported as APY, or Annual Percentage YieldQuick Views
Poppy Premier Online Savings: 4.25% APY(Rank 27 out of 76 tracked HYSAs)
Poppy Premier Personal Savings: 0.50% APY(Rank 81 out of 88 savings accounts)
Poppy Personal Savings: 0.10% APY(Rank 83 out of 88 savings accounts)
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: Santa Rosa, California
Founded: 2005
Affiliation: Formerly First Community Bank.
Access to Branches: Branches in California
BBB Rating: B+ (Not BBB Accredited)
App Store Rating: 4.4/5
Google Play Rating: 3.6/5
Website: Visit Poppy Bank
Our Take on Poppy Bank
Highlights
- Highest APY of 4.25%, unchanged from 30 days ago.
- No maintenance fees with electronic statements.
- App Store rating of 4.4 indicates user satisfaction.
- Branches available in California for in-person service.
Considerations
- BBB rating of B+ and not accredited.
- Lower APY of 0.50% for Poppy Premier Personal Savings.
- Direct deposit not required, but may limit some account options.
- Google Play rating of 3.6 suggests potential issues.
Savings Accounts
Savings Accounts Offered by Poppy Bank
Feature | Poppy Premier Personal Savings | Poppy Personal Savings | Poppy Premier Online Savings |
---|---|---|---|
APY | 0.50% (as of 7/1/2025) | 0.10% (as of 7/1/2025) | 4.25% (as of 7/1/2025) |
APY Trend | Stable for the last month | Stable for the last month | Stable for the last month |
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 | No | No | Yes |
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 |
No deposit agreement summary available for this bank. |
Calculate Savings for Poppy Bank
Total savings breakdown:
- Interest earned: $43 (4.12%)
- Total contributions: $0 (0.00%)
- Initial deposit: $1,000 (95.88%)
Your total balance
$1,043.00
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 % | 4.25 % | 0.10 % |
Trend | Sideways | Falling | Sideways |
Slope (bps/mo) | 0.0 | -6.7 | 0.0 |
Rate Changes / Mo | 0.00 | 0.38 | 0.00 |
Days Since Last Change | 159 | 49 | 159 |
High (-5 m) | 0.50 % | 4.50 % | 0.10 % |
Low (-5 m) | 0.50 % | 4.25 % | 0.10 % |
Draw-down from High | 0.0 % | -5.6 % | 0.0 % |
Volatility (CV) | 0.000 | 0.025 | 0.000 |
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 Poppy Bank's Savings Accounts
- Affirm - 3.85% APY
- All America Bank - 1.50-3.25% APY
- Ally Bank - 3.50% APY
- Amalgamated Bank - 2.25% APY
- American Express - 3.60% APY
- Axos Bank - 4.66% APY
- Bank5 Connect - 4.05% APY
- Bank of America - 0.01% APY
- Barclays - 3.90-4.10% APY
- Bask Bank - 4.20% APY
- Betterment - 4.00% APY
- BMO Alto - 3.60% APY
- Bread Savings - 4.30% APY
- BrioDirect - 4.30% APY
- Capital One - 3.50% APY
- Carver Bank - 4.00% APY
- Charles Schwab Bank - 0.15% APY
- Chase Bank - 0.01% APY
- Chime - 1.25-3.75% APY
- CIBC Bank USA - 4.11% APY
- CIT Bank - 0.25-4.00% APY
- Citibank - 3.60% APY
- Citizens Access™ - 3.70% APY
- Colorado Federal Savings Bank - 4.25% APY
- ConnectOne Bank - 4.00% APY
- Customers Bank - 4.23% APY
- Discover Bank - 3.50% APY
- E*TRADE from Morgan Stanley - 4.00% APY
- EverBank - 4.30% APY
- Evergreen Bank Group - 4.25% APY
- First Foundation Bank - 4.25% APY
- Fitness Bank - 5.00% APY
- Flagstar Bank - 4.00% APY
- Forbright Bank - 4.25% APY
- FVCbank - 4.35% APY
- High Plains Bank - 0.23-3.82% APY
- Jenius Bank - 4.20% APY
- LendingClub - 3.40-4.40% APY
- Live Oak Bank - 4.10% APY
- Marcus by Goldman Sachs - 3.65% APY
- My Banking Direct - 4.30% APY
- MySavingsDirect - 3.75% APY
- Neighbors Bank - 4.60% APY
- Newtek Bank - 4.35% APY
- OMB Bank - 1.00% APY
- Openbank - 4.30% APY
- Peak Bank - 4.44% APY
- Pibank - 4.60% APY
- PNC - 3.95% APY
- Popular Direct - 4.05% APY
- Presidential Bank - 4.00-4.50% APY
- Prime Alliance Bank - 4.05% APY
- Primis Bank - 4.35% APY
- Quontic Bank - 3.75% APY
- RBMAX - 4.15% APY
- Rising Bank - 4.30% APY
- ROGER - 4.65% APY
- Salem Five Direct - 4.01% APY
- Sallie Mae Bank - 3.90% APY
- Santander Bank - 0.03% APY
- SoFi Bank - 3.80% APY
- Synchrony Bank - 3.80% APY
- TAB Bank - 4.15% APY
- TD Bank - 0.05-3.00% APY
- The State Exchange Bank - 1.90% APY
- TIMBR - 4.40% APY
- UFB Direct - 4.01-4.21% APY
- Upgrade - 4.02% APY
- Valley Direct - 4.20% APY
- Varo Bank - 2.50-5.00% APY
- Western Alliance Bank - 4.30% APY
- Zynlo Bank - 4.35% APY
Feature | Poppy Bank | Select a bank... |
---|---|---|
Product | N/A | |
APY | 4.25% (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 | $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 |