Vio Bank: Savings Account & Rates
Mission: Banksparency aims to make Vio Bank's savings account transparent and comparable to the market.
Savings Overview
Online Savings Account
| Min. Deposit | $100 |
| Min. Balance | $0 |
| 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 4.21% APY.
Bank Overview
- HQ LocationOklahoma City, Oklahoma
- Founded1911
- AffiliationVio Bank is a division of MidFirst Bank
- Ratings & Trust
- Zelle® SupportNo SupportStandard ACH or Wire transfers only.
- Deposit InsuranceFDIC Insured(Cert: 4063)
Our Take on Vio Bank
The Good
- Competitive 4.09% APY
- Highly rated iOS app (4.6 stars)
Considerations
- Monthly maintenance fee of $5
- No physical branch access (online only)
- Low-rated Android app (3.4 stars)
Vio Bank offers an Online Savings Account with a competitive APY of 4.09%. There are no promotional rates, tiered structures, or checking account requirements associated with this account. While the account has a highly rated iOS app (4.6 stars), it does come with a monthly maintenance fee of $5 and lacks physical branch access, as it operates online only. Additionally, the Android app has a lower rating of 3.4 stars.
Top Market Contenders
Savings Account: In-Depth View
Savings Account Offered by Vio Bank
| Feature | Online Savings Account |
|---|---|
APY | 4.09%Verified: 1/7/2026 |
APY Trend | Rate Adjusted -0.07% Since 7 days ago |
Min. Deposit | $100 |
Min. Balance | $0 |
Monthly Fee | $0, if electronic statements selected, otherwise $5 |
Direct Deposit | None |
Checking Bundle | No |
Branch Access | None |
Compounding | Daily |
FDIC Insured | Yes |
Eligibility | United States |
| Next Steps | - |
Calculate Savings for Vio Bank
Savings Breakdown
- Interest Earned+$1,605.20(10.3%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$15,605.20
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Vio Bank Savings Rates Over Time
Historical APY Insights
Last 2 Months| Metric | Online Savings Account |
|---|---|
Latest APY | 4.09% |
Trend | Sideways |
Slope (bps/mo) | -2.7 |
Rate Changes / Mo | 1.09 |
Days Since Last Change | 1 |
High (-2m) | 4.21% |
Low (-2m) | 4.09% |
Draw-down | -2.9% |
Volatility (CV) | 0.005 |
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 55-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 Vio Bank
| Feature | Current View Vio Bank | Empty Slot |
|---|---|---|
| Product | Online Savings Account | - |
APY | 4.09%Verified: 1/7/2026 | - |
APY Trend | Rate Adjusted -0.07% Since 7 days ago | - |
| Min. Deposit | $100 | - |
| Monthly Fee | $0, if electronic statements selected, otherwise $5 | - |
Direct Deposit | No | - |
Checking Bundle | No | - |
| Branch Access | None | - |
| Eligibility | United States | - |
Compounding | Daily | - |
FDIC Insured | Yes | - |
| Next Steps | - | - |
Bank-to-Bank Comparisons
Compare Vio Bank's APY of 4.09% with other banks
Alternatives to Vio Bank
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For a top list of the highest savings rates, see all HYSA top rates
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