Quontic Bank: Savings Accounts & Rates

Savings rates updated: 11/15/2025

Mission statement: Banksparency aims to make Quontic 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

High Yield Savings: 3.75% APY(Rank 58 out of 86 tracked HYSAs)

Minimum Deposit: $100 | Online Only

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: Astoria, New York City

Founded: 2009

Access to Branches: None for banking. Loan offices only.

Deposit Insurance: FDIC Cert # 57807

BBB Rating: A+ (Not BBB Accredited)

App Store Rating: 4.8/5

Google Play Rating: 4.8/5

Website: Visit Quontic Bank

Our Take on Quontic Bank

Highlights

Current APY is 3.75%, same as 30 days ago.
No maintenance fees or minimum balance requirements.
High customer ratings: 4.8 on both App Store and Google Play.
A+ BBB rating indicates strong trustworthiness.

Considerations

No physical branches; online-only banking.
Direct deposit is not required, but may limit options.
Only one high-yield savings account available.
Not BBB Accredited despite high rating.

Summary: Quontic Bank offers a competitive high-yield savings account with a 3.75% APY, no fees, and no minimum balance. However, it operates online only, lacking physical branches, which may deter some savers. While the bank enjoys high customer ratings and an A+ BBB rating, it is not BBB Accredited. The absence of multiple savings account options may limit flexibility for savers seeking variety.

Savings Account: In-Depth View

Savings Account Offered by Quontic Bank

Feature	High Yield Savings
APY	3.75% (as of 11/15/2025)
APY Trend	Stable for the last quarter
Minimum Deposit	$100
Minimum Balance for APY	$0
FDIC-insured	Yes
Online Only	Yes
Bundled Account	No
Direct Deposit Required	No
Compound Frequency	Daily
Maintenance Fee	$0
Eligibility	United States
Sponsored Link
No deposit agreement summary available for this bank.

Calculate Savings for Quontic Bank

All calculations are based on APY.

Savings Product:

High Yield Savings (APY: 3.75%)

Initial Deposit:

Recurring Deposit Amount:

Deposit Frequency:

Duration:

Total savings breakdown:

Interest earned: $1,465.4 (9.48%)
Total contributions: $13,000 (84.06%)
Initial deposit: $1,000 (6.47%)

Your total balance

$15,465.40

Effective APY: 3.75% (based on your deposit and contributions)

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

Quontic Bank Savings Rates Over Time

Historical APY Insights

Metric	High Yield Savings
Latest APY	3.75 %
Trend	Sideways
Slope (bps/mo)	-1.5
Rate Changes / Mo	0.10
Days Since Last Change	141
High (-10 m)	3.85 %
Low (-10 m)	3.75 %
Draw-down from High	-2.6 %
Volatility (CV)	0.013

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 Quontic Bank's Savings Account

Affirm - 3.60% APY
All America Bank - 1.50-3.25% APY
Ally Bank - 3.30% APY
Amalgamated Bank - 2.25% APY
American Express - 3.50% APY
Ameriprise Bank - 3.15-3.15% APY
Axos Bank - 4.51% APY
Bank5 Connect - 3.85% APY
Bank of America - 0.01% APY
Barclays - 3.90-4.10% APY
Bask Bank - 3.90% APY
Betterment - 3.50% APY
BMO Alto - 3.25% APY
Bread Savings - 4.20% APY
BrioDirect - 4.00% APY
Capital One - 3.40% APY
Carver Bank - 4.00% APY
Charles Schwab Bank - 0.15% APY
Chase Bank - 0.01% APY
Chime - 1.00-3.50% APY
CIBC Bank USA - 3.92% APY
CIT Bank - 0.25-3.85% APY
Citibank - 3.35% APY
Citizens Access™ - 3.35% APY
Colorado Federal Savings Bank - 4.05% APY
ConnectOne Bank - 3.60% APY
Customers Bank - 3.73% APY
Discover Bank - 3.40% APY
Elevault - 4.08% APY
E*TRADE from Morgan Stanley - 3.75% APY
EverBank - 4.05% APY
Evergreen Bank Group - 4.25% APY
First Foundation Bank - 4.00% APY
Fitness Bank - 4.75% APY
Flagstar Bank - 3.65% APY
FNBO Direct - 3.00% APY
Forbright Bank - 4.00% APY
FVCbank - 3.85% APY
GO2bank - 4.50% APY
High Plains Bank - 0.23-3.82% APY
Ivy Bank - 0.05-4.25% APY
Jenius Bank - 4.20% APY
LendingClub - 3.20-4.20% APY
Live Oak Bank - 3.90% APY
Marcus by Goldman Sachs - 3.65% APY
MutualOne Bank - 4.07% APY
My Banking Direct - 4.02% APY
MySavingsDirect - 3.75% APY
Neighbors Bank - 4.50% APY
Newtek Bank - 4.35% APY
Northeast Bank - 2.50-3.00% APY
OMB Bank - 1.00% APY
Openbank - 4.20% APY
Peak Bank - 4.20% APY
Pibank - 4.60% APY
PNC - 3.53% APY
Poppy Bank - 4.00% APY
Popular Direct - 4.00% APY
Presidential Bank - 3.75-4.25% APY
Prime Alliance Bank - 3.90% APY
Primis Bank - 3.85% APY
RBMAX - 3.90% APY
Rising Bank - 3.95% APY
ROGER - 3.87% APY
Salem Five Direct - 3.71% APY
Sallie Mae Bank - 3.90% APY
Santander Bank - 0.01% APY
SmartyPig - 3.90% APY
SoFi Bank - 4.30% APY
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	Quontic Bank	Select a bank...
Product	High Yield Savings	N/A
APY	3.75% (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	$100	N/A
Minimum Balance for APY	$0	N/A
Maintenance Fee	$0	N/A
Direct Deposit Required	No	N/A

Bank-to-Bank Comparisons

Compare Quontic Bank's APY of 3.75% with other banks

Bank Pair	Competitor APY	Min Deposit
Quontic Bank vs Ally Bank	3.30%	$0
Quontic Bank vs American Express	3.50%	$0
Quontic Bank vs Axos Bank	4.51%	$0
Quontic Bank vs Bank of America	0.01%	$100
Quontic Bank vs Barclays	4.10%	$0
Quontic Bank vs Bask Bank	3.90%	$0
Quontic Bank vs BMO Alto	3.25%	$0
Quontic Bank vs BrioDirect	4.00%	$5,000
Quontic Bank vs Capital One	3.40%	$0
Quontic Bank vs Chase Bank	0.01%	$0
Quontic Bank vs Chime	3.50%	$0
Quontic Bank vs CIT Bank	3.85%	$100
Quontic Bank vs Citibank	3.35%	$0
Quontic Bank vs Citizens Access™	3.35%	$0.01
Quontic Bank vs Discover Bank	3.40%	$0
Quontic Bank vs Elevault	4.08%	$0
Quontic Bank vs EverBank	4.05%	$0
Quontic Bank vs Fitness Bank	4.75%	$100
Quontic Bank vs FNBO Direct	3.00%	$1
Quontic Bank vs Forbright Bank	4.00%	$0
Quontic Bank vs FVCbank	3.85%	$500
Quontic Bank vs GO2bank	4.50%	$0
Quontic Bank vs Ivy Bank	4.25%	$2,500
Quontic Bank vs LendingClub	4.20%	$0
Quontic Bank vs Marcus by Goldman Sachs	3.65%	$0
Quontic Bank vs Neighbors Bank	4.50%	$0
Quontic Bank vs Newtek Bank	4.35%	$0.01
Quontic Bank vs Openbank	4.20%	$500
Quontic Bank vs Peak Bank	4.20%	$100
Quontic Bank vs Pibank	4.60%	$0
Quontic Bank vs PNC	3.53%	$0
Quontic Bank vs Presidential Bank	4.25%	$5,000
Quontic Bank vs Salem Five Direct	3.71%	$10
Quontic Bank vs Santander Bank	0.01%	$25
Quontic Bank vs SoFi Bank	4.30%	$0
Quontic Bank vs Synchrony Bank	3.80%	$0
Quontic Bank vs TIMBR	4.40%	$1,000
Quontic Bank vs UFB Direct	3.71%	$5000
Quontic Bank vs Valley Direct	4.10%	$1,000
Quontic Bank vs Varo Bank	5.00%	$0
Quontic Bank vs Vio Bank	4.21%	$100
Quontic Bank vs Wealthfront	4.15%	$0
Quontic Bank vs Wells Fargo	0.05%	$25
Quontic Bank vs Zynlo Bank	4.20%	$10

Alternatives to Quontic Bank

Banks with Higher/Similar Savings APY

For a top list of the highest savings rates, see all HYSA top rates

Bank5 Connect

Connect Savings: 1.50% APY

Minimum Deposit: $10

Online Only

Jumbo Savings: 3.85% APY

Minimum Deposit: $25,000

Online Only

Betterment

Cash Reserve: 3.50% APY

Minimum Deposit: $10

Online Only

Peak Bank

Envision High Yield Savings: 4.20% APY

Minimum Deposit: $100

Online Only

Sallie Mae Bank

High-Yield Savings Account: 3.90% APY

Minimum Deposit: $0

Online Only

Zynlo Bank

Tomorrow Savings Account: 4.20% APY

Minimum Deposit: $10

Online Only

E*TRADE from Morgan Stanley

Premium Savings Account: 3.75% APY

Minimum Deposit: $0

Online Only

CIT Bank

Platinum Savings: 3.85% APY

Minimum Deposit: $100

Online Only

Savings Connect: 3.75% APY

Minimum Deposit: $100

Online Only

Popular Direct

Popular Direct Select Savings: 4.00% APY

Minimum Deposit: $100

Online Only

Valley Direct

High-Yield Savings Account: 4.10% APY

Minimum Deposit: $1,000

Online Only

Eligible States: Limited (see details)

Colorado Federal Savings Bank

Premier Savings: 4.05% APY

Minimum Deposit: $50,000

Online Only

High Yield Savings: 4.00% APY

Minimum Deposit: $1

Online Only

My Banking Direct

High Yield Savings Account: 4.02% APY

Minimum Deposit: $500

Online Only

High Plains Bank

High Yield Savings Account: 3.82% APY

Minimum Deposit: $25